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

Chapter 266 "A sudden breeze stirs, rippling the surface of a spring pond"

The news that Jiangsu Province's first rural bank would be established in Nanxin was like "a sudden gust of wind rippling a pool of spring water," stirring up excitement among Nanxin's wealthy residents.

Just after dinner, Song Dacheng rushed to his father's villa to discuss this matter.

"Dad, this is such a good thing, what are you still hesitating about?"

Song Dacheng said to Song Qingdong, who was sitting on the sofa drinking tea.

"Li Renyi, Shi Jingsheng, and Qian Weimin are all planning to invest. I heard the investment ranges from 3000 million to 5000 million yuan. You know banks make money from interest rate spreads, and more importantly..."

"What is it?"

Song Qingdong put down his teacup and slightly raised his head to look at Song Dacheng.

“Think about it,” Song Dacheng said. “If we become shareholders, wouldn’t it be much easier for our Kerry Group to get loans in the future? It’s our own company, why wouldn’t they lend to us? We won’t have to beg and plead with other banks to get loans.”

Song Qingdong frowned slightly upon hearing this: "If we follow your logic, and everyone borrows money haphazardly without any rules, what happens when they can't pay it back? Wouldn't that become bad debts and dead debts? How long can a bank stay open?"

"Of course there are rules and regulations, I just said it's for our convenience," Song Dacheng argued. "Dad, why are you thinking so much? If we don't invest, Qian Weimin and the others will, and we'll definitely suffer losses in the future!"

Song Qingdong did not answer Song Dacheng's question, but instead looked at his youngest son, Song Dahai, who was sitting next to him chatting on QQ on his phone.

"Da Hai, what do you think about this?"

Song Dahai looked up at his father: "I don't understand these things. Dad, I wonder what Ye Zi is thinking?"

Song Dacheng was immediately displeased: "What business is it of Fang Qingye when our Song family is discussing matters?"

"That's not entirely true," Song Qingdong said. "Fang Qingye has remained silent about this matter; I've never heard him discuss it. Dahai, you're close to him, why don't you ask him about his attitude?"

"Okay, I'll give him a call." With that, Song Dahai walked out of the room.

Fang Qingye had just finished eating and was enjoying the cool air in the nursery. Her mother didn't cook dinner, so she usually ate at her grandparents' house.

There's another girl today, Bai Ou.

Bai Ou has passed the exam for the Municipal Court, but she hasn't officially graduated yet and will start working in late July.

However, she had already finished her graduation defense, so she didn't have much to do at school. She had been staying at Nanxin's house for the past few days. Today she came to the nursery to help out, and of course, to visit Fang Qingye.

Let's have dinner together tonight.

Now her grandparents treat her like their future granddaughter-in-law, cooking all sorts of delicious food for her, like sweet and sour yellow croaker today.

After dinner, Bai Ou accompanied Fang Qingye for a stroll in the nursery to help her digest. Just then, Fang Qingye's phone rang. She saw that it was Song Dahai calling and answered it.

Song Dahai didn't waste any time and immediately asked Fang Qingye for her opinion on the matter of investing in rural banks.

Fang Qingye paused for a moment and then asked, "Dahai, did your father tell you to ask this?"

"Yes, my dad and my brother are discussing it. My brother wants to invest," Song Dahai told the truth.

"Dahai, I'm not in a position to comment on what your family is discussing, but personally, I'm not interested in this matter."

"So that means you don't want to invest?"

"Yes." Fang Qingye answered decisively.

Before Song Dahai could finish speaking, Fang Qingye interrupted him, saying, "Don't ask me why. This is my personal decision, Dahai. I'll just tell you."

"Okay." Song Dahai hung up the phone, turned around and went into the house. He said to Song Qingdong, "Dad, Ye Zi said he doesn't want to invest. As for the reason, he doesn't want to say."

"You're just making things complicated!" Song Dacheng said.

"Alright, I'll think about this some more, Dacheng, you can go back now." Song Dacheng wanted to say something, but seeing his father like this, he could only leave dejectedly.

On his drive home, Song Dacheng took out his phone to call his wife, Tang Lina: "Are you home?"

"No, I'm playing mahjong at Liyun's place," Tang Lina said.

Song Dacheng certainly knew Liyun, his sister-in-law.

So he said, "Dad hasn't agreed yet."

"So, your dream of becoming a director of the rural bank might fall through?" Tang Lina asked.

"Oh, it's all that Fang Qingye's fault!" Song Dacheng sighed.

Why are you blaming them?

"You don't know, Dahai just made a phone call to that kid." Song Dacheng briefly recounted what had just happened.

"Tell me, isn't it his fault?!"

There was a moment of silence on the other end of the phone before Tang Lina's voice came through: "Dacheng, Fang Qingye is nothing, she's just expressing her own thoughts. What you need to pay attention to is Dahai. I've noticed that your dad likes to ask Dahai to discuss company matters lately."

Song Dacheng's heart tightened; he understood his wife's reminder.

I am the next leader of the Kerry Group, don't let anyone else take this position!
Even brothers won't do!

However, he said nonchalantly, "Wife, you're overthinking it. Dahai isn't cut out for business, and he's not interested in it either."

"I'm just reminding you, that's between you and your son/brothers. I'm going to play mahjong now." He then hung up the phone.

After Song Dacheng left, Song Qingdong was still discussing this topic with Song Dahai.

"Dahai, your brother is gone. Tell me your thoughts."

"Dad, I really don't understand all these intricacies," Song Dahai said helplessly. "However, I think listening to Ye Zi is the right thing to do."

Why do you trust him so much?

"Dad, haven't you noticed that Fang Qingye has made mistakes, especially in making money?" Song Dahai looked at his father.

"He speculates in stocks and futures, and he's involved in the development of Nanxin Lake. Look how much land prices have risen near Nanxin Lake! I admire him, and I trust his foresight!"

"You rascal... But it's good that you have a friend like this. He'll be a great help to you in your future business dealings. Alright, then we won't participate." Song Qingdong made the decision.

Fang Qingye was unaware that her words had influenced Song Qingdong's decision, and he and Bai Ou were now discussing the topic while taking a walk.

"Ye Zi, don't you have a college classmate who works at the Shanghai Banking Regulatory Bureau? That's what they're in charge of. What's his opinion on this?" Bai Ou asked.

"You mean Liu Shuai, right? I discussed this with him on QQ a couple of days ago," Fang Qingye replied.

He said that the purpose of establishing rural banks is to "provide financial services for farmers, agriculture and rural economic development." However, agriculture is a vulnerable industry, farmers are scattered individuals and a vulnerable group, and rural areas are underdeveloped regions, making the risks of loans to agriculture, rural areas and farmers far greater than those of industrial and commercial loans and loans to urban areas. Rural banks also rely on the main initiating bank to realize cross-bank fund transfers, which also lays the groundwork for future risks. He personally advised me not to participate.

“Your classmate seems to share your thoughts,” Bai Ou said with a smile.

"Not entirely. Actually, if it hadn't been initiated by Baoshang Bank, I would have been quite interested," Fang Qingye said leisurely.

"Huh?" Bai Ou looked at him in surprise.

"Let's not talk about this anymore. I'll take you for a drive; it's too hot."

"OK."

(End of this chapter)