I'm in the county town, and you say I'm a big shot?

Chapter 188 Xia He Helps
Since we're not sure, it's not the best course of action to rush to Zhang Qunying's side. Not only will we fail to obtain the materials, but if this gets back to Yao Gang, all our hopes will be dashed.

Fang Qingye pondered for a while but couldn't figure it out, so she stopped thinking about it for the time being and slowly returned to her workplace.

Just before leaving get off work in the afternoon, Fang Qingye suddenly received a call from Zhang Qunying.

"Assistant Fang, I heard that your grandfather runs a nursery and grows many orchids, is that right?"

"Yes what's the matter?"

"Can I come and have a look?" Zhang Qunying asked on the other end of the phone.

Visiting the nursery?

Fang Qingye had never heard that Zhang Qunying was interested in orchids. My grandfather's nursery has been open for ten years, and I've never heard you mention it.

what is it today?
He suddenly remembered something and immediately agreed, "Sure, what time will you be there?"

"Seven o'clock, I guess."

"Okay, I'll go too."

After having lunch at home in the afternoon, Fang Qingye rode her little scooter to her grandfather's nursery. Not long after, she received a call from Zhang Qunying.

"Assistant Fang, I've arrived at the nursery. How about you?"

"I'm inside, I'll be out soon."

When Fang Qingye arrived at the entrance of the nursery, she saw Zhang Qunying standing nearby, pushing her bicycle.

"Section Chief Zhang, welcome to visit," Fang Qingye greeted warmly.

"No need, I have a lot of things to do at home," Zhang Qunying said, handing a file folder from the bicycle basket to Fang Qingye.

"for you."

"What are you doing?"

"Is what Chen Meimei told you today about Dingli Nonferrous Metals Co., Ltd. applying for a 2000 million yuan loan? Here are all the materials for the loan application, but they are all photocopies. I can't give you the originals."

"Did Chen Meimei tell you everything?" Fang Qingye asked in return.

“I asked her, but she didn’t say. That girl keeps her mouth shut,” Zhang Qunying said with a smile. “But I think you must be concerned about this.”

"Hehe, thank you." Fang Qingye took the file folder and asked, "Section Chief Zhang, do you think there's anything wrong with this document?"

“At least on the surface there are no problems. Although the credit limit for this company was increased somewhat suddenly, the procedures were legal and it was reviewed by the city branch. We can’t go to the Pingdong branch to investigate the entire credit granting process, right?”

That is indeed the problem.

Fang Qingye nodded: "Okay, I'll take a look first."

"Don't make a fuss about this at work. After all, what I did violated work discipline." Zhang Qunying instructed before riding away on her bicycle. Suddenly, she added, "Assistant Fang, today Bank Manager Yao told me that Chen Meimei will no longer be in charge of this company's loan application."

"Why not let Chen Meimei take responsibility?" Fang Qingye pressed.

He said that Chen Meimei was too young and that the loan amount was too large, so it needed to be reviewed by an experienced person. Then I left.

After saying that, Zhang Qunying hurriedly rode her bicycle away from the nursery.

Fang Qingye held the file folder and fell into deep thought once again.

The reason given—not letting Chen Meimei review the application, but instead having someone more experienced—seems plausible on the surface.

Since Zhang Qunying can make Chen Meimei take responsibility, why should Yao Gang not believe her?

The timing of this event is also quite suspicious.

Let's not worry about that for now, let's go back and look at the materials first.

Fang Qingye went back to the nursery to say goodbye to her grandparents, then rode her scooter home. In her bedroom, she took out the documents and carefully examined them one by one. Indeed, all the procedures were complete and legal; she couldn't see any problems.

Finally, Fang Qingye focused his attention on the contract signed between Dingli Company and Xinda Industry. After studying it carefully for a while, he logged into QQ and sent a message to Xia He.

"What are you doing?"

The other party replied instantly: "At work."

"You're working overtime tonight?" Fang Qingye asked, somewhat surprised.

"I had nothing to do anyway, and I was bored at home, so I came to the office to sit for a while," Xia He typed.

"Oh, that's perfect. Let's analyze a loan application together."

"Didn't you say you weren't responsible for approving loans anymore?"

"Don't worry about all that right now, just listen to my voice message."

"No, video, I want to see you."

"it is good"

Fang Qingye opened QQ video and, sure enough, saw Xia He wearing a bank uniform in the office.

"What's the matter? Tell me."

Fang Qingye then recounted the entire incident in detail.

Xia He frowned slightly upon hearing this: "There is indeed something strange about it. You seem to have some other purpose in caring so much about Qingye."

"Whatever the purpose, it's always good to get to the bottom of things; it's being responsible to the company," Fang Qingye said with a smile.

"Alright, alright. Stop spouting such official jargon in front of me." Xia He said reproachfully, "I'm asking you, are you trying to use this to cause trouble for Yao Gang?"

“Why would I bother him? If everything is in accordance with the rules and regulations, I wouldn’t be able to find anything even if I wanted to,” Fang Qingye said leisurely.

"Look at what you're saying. No matter what you do, I'll support you! As for what you just said, I haven't seen the detailed information, but the key point of this document is whether the supply and sales contract signed by Dingli Company is genuine."

“If the contract is fake, then it is a forged contract to defraud the loan. If the contract is real, there are two possibilities. One is that Dingli Company is indeed well-managed and profitable, then there is no problem with this loan contract.”

"Another possibility is that Dingli Company and Xinda Industrial colluded to sign fake purchase and sale contracts and then used them as collateral to fraudulently obtain loans. Moreover, they completed the process in a week, which usually takes one or two months. This in itself is a problem. It shows that once there is a problem, it is a big problem. It is possible that people inside our bank were also involved!"

“That’s right! Minister Xia’s analysis is indeed reasonable!” Fang Qingye said with a smile.

"Huh? You're actually making fun of me! You're asking for it!" Xia He waved her fist, but her eyes were darting around.

Fang Qingye had a strange feeling about it.

However, he knew this was not the time to indulge in wild thoughts, so he said, "There's another point of suspicion: why did the Pingdong branch significantly increase Dingli Company's credit line in such a short period of time? There's probably something fishy going on here!"

“You’re right, Qingye. Let’s divide the work. I’ll help you check Xinda Industrial; I’ll think of a way to find out about it in Huijing. And you, see if you can find out the details of the Pingdong branch increasing Dingli Company’s credit line,” Xia He said.

“Okay, but you should check on Xinda Company first. We’ll talk about the Pingdong branch’s matter after you have the results,” Fang Qingye said.

"why?"

“If there’s nothing wrong on your end, there’s no need for me to investigate. I don’t care how the Pingdong branch grants credit,” Fang Qingye said with a smile.

"Okay, try to fax me the contract they signed. I'll give you the fax number," Xia He said finally.

"Okay, I'll go back to my office and send you a fax now. Thank you, Xia He."

"Why are you being so polite with me, Aoba? Your business is my business!"

(End of this chapter)