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

Chapter 316 So-called rules and regulations are nothing but trash in their eyes, how can you expect them to play this game?

Seeing that Shi Yong seemed to be telling the truth, Li Le scolded him, "Shi Yong, don't do anything reckless. Banks have their own rules and regulations. You can't just lend money to anyone. Wouldn't that create chaos?"

“That’s what I thought too.” Unexpectedly, Shi Yong complained, “But that old bastard Qian Weimin doesn’t follow the rules! If he wants to take advantage, why shouldn’t we? It’s a fool not to take advantage when there’s a chance!”

"Alright, that's enough. I'll find out the details. Let's drink!" Li Le raised his glass, and Shi Yong quickly picked it up.

Fang Qingye remained silent. Qian Weimin, Shi Yong's father Shi Jingsheng, and Li Le were all directors of Nanxin Rural Bank. This was essentially their internal affair, and he didn't need to inquire about it in detail.

After that, everyone drank and sang, and no one mentioned the incident again.

Around 10 PM, Bai Ou wanted to go home, so Fang Qingye said goodbye to everyone and took Bai Ou out of the nightclub.

The two walked hand in hand down the street.

"Ye Zi, I don't quite understand why Qian Weimin would borrow 200 million yuan from a rural bank? After transferring the shares to you, where did the 4000 million yuan go? Is there a problem with his company's cash flow?"

Bai Ou suddenly asked.

While Shi Yong and the others were talking, Bai Ou remained silent, but she was very curious.

"And I didn't hear Qian Xiaoli mention this either."

"Strange," Fang Qingye blurted out.

Fang Qingye knew that Qian Xiaoli and Bai Ou had a good relationship, but he found it a bit unbelievable when he heard what Bai Ou said.

"What's strange?" Bai Ou turned to look at him.

"Doesn't Qian Xiaoli never care about her family's company?" Fang Qingye asked.

"Yes, I don't know why they've started paying attention to this lately, and they even asked me questions about economics and law on QQ," Bai Ou replied.

"Oh"

Fang Qingye stopped asking questions and instead answered Bai Ou's question.

“I don’t know the specifics. I only know that when we invested in the renovation of Nanxinhu, each household invested about 2700 million yuan the first time. He got this part of the funds by pledging his own shares in Yuxiang Natural Gas Company to get a bank loan.”

“I heard from Wu Zeyuan, the vice president in charge of finance at Yuxiang, that Qian Weimin transferred his shares from the bank to his own name a couple of days ago. That means he has paid off the loan, and I guess he used the 4700 million yuan.”

"There's still nearly 2000 million left, right? Surely you don't have to go and borrow 200 million from Zhao Wenjun?" Bai Ou asked again.

"Towards the end of the year, we have to pay off debts to building material suppliers, as well as wages for construction workers, etc., so the expenses are indeed quite large," Fang Qingye explained.

"Of course, Qian Weimin is someone who has always valued money highly, so it's possible that he wants to reduce the company's financial burden in this way."

“But if things continue like this, things will get chaotic. Look at Shi Yong’s attitude today; he’s treating the village bank like his own backyard,” Bai Ou said.

"Don't look at these small banks with the same eyes you would look at large state-owned banks. Although these large banks also have many problems, their management in this regard is relatively strict. But these small banks... Bai Ou, let me tell you something else."

Fang Qingye then recounted to Bai Ou how Zhang Rong had approached him a few days earlier to solicit deposits, mentioning the illegal loans taken out by two companies in Nanxin.

Bai Ou was very surprised to hear this: "Huh? This rural bank has only been established for half a year, and so many problems have already appeared?! Isn't Zhao Wenjun very capable and ruthless? He couldn't stop it?"

"He's capable and ruthless, but that's only for his subordinates! To the directors and major shareholders, he's just an employee! Can he really fight city hall?!" Fang Qingye said calmly.

“If this continues, it won’t be long before the village and township banks are ruined!” Bai Ou said. “The depositors will be the ones who suffer the most!”

"Yes," Fang Qingye sighed.

Because the Deposit Insurance Ordinance has not yet been promulgated! It will not be implemented until January 1, 2015.

There are still four years left.

I wonder if Nanxin Rural Bank can sustain this approach for four years?

"Ye Zi, do you hope the rural bank will run into problems or even close down so you can take it over?" The girl suddenly tilted her head and looked at him. "You understand me best, Bai Ou." Fang Qingye didn't need to pretend in front of the girl he loved; he was very honest.

"However, as you said, this would mean bad luck for depositors. Their savings would definitely suffer losses, and most of these depositors are ordinary people. So, from this perspective, I don't want it to close down or go bankrupt."

Fang Qingye said.

"Ye Zi, you still have a conscience. You haven't been blinded by capitalism!" Bai Ou said, half-jokingly and half-seriously.

"Judge Bai Ou, don't stigmatize capital. Capital is neutral; the problem lies with those who control it! Isn't state-owned capital capital?!" Fang Qingye feigned a serious expression.

"Alright, alright, I can't argue with you. Comrade capitalist, how about you treat me to a late-night snack?" Bai Ou said, her eyes crinkling into crescent moons with laughter.

"OK! I'm happy to serve the people."

Fang Qingye spent most of the three days of New Year's Day with Bai Ou, going shopping, watching movies, and playing badminton in the evenings. Of course, the girl also braved the freezing cold to go fishing with him at Baimao Port for most of the day.

After the festival, Bai Ou went to work in Jinghai, and Fang Qingye also went to work at the nursery on time, and of course, she also went to the lakeside to take a look.

The water quality cleanup for the Nanxin Lake renovation project is now complete, and the two artificial hills have been basically built. The next step is to carry out various construction and landscaping projects along the lake and on the artificial hills.

Wearing a safety helmet, Fang Qingye was accompanied by the project management team as they strolled around the lake with the blueprints, explaining as they went. Seeing his plans gradually become a reality, Fang Qingye felt an indescribable sense of pride.

This feeling is even better than making tens or hundreds of millions in the futures market.

Just then, a white BMW drove by on the lakeside road and slowly stopped at the side of the road. A young man got out of the car.

"Aoba!"

Fang Qingye turned around and saw Li Le, so she walked over.

"I was on my way to the county government to take care of some business, and I saw your car parked on the side of the road. I guessed you were here, so I stopped," Li Le said as he walked. "Are you here to inspect the project?"

"I just stopped by for a look around," Fang Qingye replied.

"You know what, after all this renovation, it really does look much better than before," Li Le said, looking at the shimmering lake in the distance.

"That's right. Once all the supporting facilities are built, and then we do the landscaping, it will definitely be a beautiful sight!" Fang Qingye said with a rather proud tone.

Li Le glanced at him and said, "So, I really admire you."

"Hehe. You mean the Nanxin Lake renovation project?" Fang Qingye replied.

"Not only that, but also the decision not to invest in rural banks in the first place."

Li Le suddenly said this, and Fang Qingye was taken aback: "What? What happened again?"

"It's nothing serious, I'm planning to withdraw my investment," Li Le said casually.

"Is it because of what Shi Yong said that night?" Fang Qingye pressed.

"Yes, but it's not just about this. It's a very complicated matter, and I don't want to play with them anymore."

Li Le's answer was vague, and Fang Qingye didn't want to ask for details. Instead, she said:

"But I heard that you have to hold shares for at least two years before you can withdraw them?"

“Yes, when I declared that I was giving up my share of the dividends the bank was going to give me this year, they agreed,” Li Le said with a smile.

"Look, these so-called rules and regulations are nothing but bullshit in their eyes. How are we supposed to get along with this?"

Fang Qingye smiled without saying a word after hearing this.

(End of this chapter)