Chapter 227: Harsh Conditions

Fang Mingyuan seemed to have caught a clue......

"Mingyuan!Wensheng!" Bai Ping pushed open the door and said with a dissatisfied face, "Look at what time it is, Xiaoya and Jiayi have been waiting for you for more than an hour!" Fang Mingyuan noticed the watch on the wall, and the hour hand was already pointing to eleven o'clock.

"Ouch!" Fang Mingyuan hurriedly jumped up and said to Shi Wensheng, "Brother-in-law, let's talk about this today! Make an appointment with Uncle Su in the afternoon, if you don't leave, you'll be late!"

"Go, go!" When Shi Wensheng heard that he had an appointment with Su Aijun, he stood up and said, "Be careful on the road, have fun, and come back at night?"

"I shouldn't be coming back, we plan to go to Grandpa's for one night, and we'll decide tomorrow depending on the situation. Fang Mingyuan said as he walked out.

Fang Mingyuan and the others rushed all the way to Fengyuan, but even so, it was already past twelve o'clock when they arrived in Fengyuan City. Su Aijun, Yang Junyi, Ma Yongfu, Li Dongxing, Gu Yucheng and others had been waiting for them in the Fangjia Restaurant for a quarter of an hour.

"I'm sorry, I'm sorry, Uncle Su, we're late!" Fang Mingyuan said as soon as he entered the door.

"It's okay, we just arrived, and it's rare for everyone to get together and just chat!" Su Aijun said with a smile, "This one is the pearl of the old man Zheng Yudong, right?"

On the way here, Zheng Jiayi also roughly heard Zhao Ya and the others say what kind of people are these people who are here today. So he stepped forward obediently and said, "Hello Uncle Su, I'm Zheng Jiayi!"

Under Fang Mingyuan's introduction, Zheng Jiayi met with others one by one. Everyone led by Su Aijun was polite with Zheng Jiayi, and they secretly looked at each other, and there was an ambiguous smile on the corner of their mouths. Seeing that Fang Mingyuan was both helpless and funny! These guys seem to think that they have abducted the princess of the Zheng family again!

Due to Zheng Jiayi's presence, the conversation did not involve political affairs, but instead talked about some local customs in Qinxi Province.

"Fang Shao, what are your arrangements for the afternoon?" Yang Junyi asked casually.

"Go to Lishan, let her see the Terracotta Warriors and Horses and Huaqing Pond, come to Fengyuan, you can't pass through the door and not enter. Fang Mingyuan said with a smile.

Yang Junyi nodded, reminding himself in his heart that he would remember to say hello to his subordinates for a while and send someone to accompany him secretly to protect him. The economy has developed and the people have become relatively richer, but the public order is a red light every year, and various cases have risen sharply every year. Especially in these tourist areas, people from all over Shijie are mixed, and there is nothing wrong with it. Otherwise, it's a big problem.

"Fang Shao, I heard that Mr. Zheng Yutong also attended the shareholders' meeting of Jimin Bank in Shanghai this time, didn't he?" After three rounds of drinking, Gu Yucheng asked Fang Mingyuan softly.

Fang Mingyuan nodded and said, "Uncle Gu, Old Man Zheng is also one of the official shareholders of Jimin Bank, accounting for 5.72% of the shares. On behalf of Mr. Guo, Sister Qiu Xuan also officially invested in Jimin Bank, also holding 5.72 percent of the shares. Our family's shares are six percent!" Gu Yucheng's question was not at all unexpected by Fang Mingyuan. The establishment of Jimin Bank will obviously make Bank of Communications, which has been cooperating smoothly with the Fang family, feel a sense of crisis.

Fangjia can now be said to be the top private enterprise customers of Bank of Communications, both in terms of deposits and loans, and Fangjia has never had a record of loan arrears since cooperating with Bank of Communications. Such an excellent large customer is naturally a key customer that Bank of Communications always pays attention to. Now that the Fang family has invested in Jimin Bank, these leaders of the Bank of Communications will naturally worry about whether they will lose the big customer of the Fang family!

Gu Yucheng opened his mouth, but he didn't say anything. Fang Mingyuan said so happily that he didn't know how to interface for a while.

"Uncle Gu, I know what you want to ask, and I also know what the leaders of your bank are worried about. Fang Mingyuan filled the wine glass in front of Gu Yucheng with wine, and said with a smile, "Uncle Gu, in fact, you don't have to worry like this, although Jimin Bank is now officially established in law, its official business may not be until the second half of this year." And after opening, for a long time, its business outlets could not be spread in Qinxi Province. A private joint-stock bank with a registered capital of only a few billion yuan, compared with your Bank of Communications, it is just a squirrel in front of an elephant!"

"Lao Gu is not worried about Jimin Bank, what he is worried about is the attitude of you and the Fang family!" Su Aijun said with a smile on the side.

"Of course, my family and I still support Uncle Gu as always!" Fang Mingyuan pretended to be surprised, "This, Uncle Gu, what do you have to worry about! To be honest, if it weren't for Jimin Bank, now that it was in the early days of its establishment, the temple would not be able to accommodate a big Bodhisattva, I would like to recommend Uncle Gu to you to become the president of Jimin Bank!"

"Ahem......" Ma Yongfu almost squirted out a sip of wine, but fortunately he turned his head quickly, but he choked like this. You must know that Gu Yucheng is now the vice president of the Bank of Communications, in charge of the entire northwest region. Moreover, it is recognized as the most powerful contender for the next president of the Bank of Communications. If Fang Mingyuan poached him, the top level of the Bank of Communications would not vomit blood!

"Fang Shao, you really think highly of me!" Gu Yucheng said with a wry smile. Fang Mingyuan's words can be described as half-truths, of course Gu Yucheng knows that with the relationship between the Fang family and the Guo family, as well as the attitude of the Zheng family now, if Fang Mingyuan really recommends himself, he will first get nearly 17% of the shares in the board of directors. Seventeen percent may not seem like much, but Jimin Bank has more than 60 shareholders, and on average, each of them has only a few percent of the shares, and there are many people, so it is naturally difficult to unify this opinion, and it is naturally not as good as Fang, Guo, and Zheng joining forces.

"I'm very serious!" Fang Mingyuan said solemnly, "It's just considering that in the first few years, the scale of Jimin Bank was just a regional branch of several large state-owned banks, and it was really overkill to let Uncle Gu take charge!"

Fang Mingyuan's words have reached Gu Yucheng's heart, to be honest, is becoming the first president of Jimin Bank attractive to Gu Yucheng?

Having worked in a state-owned bank for so many years, Gu Yucheng is very clear about these twists and turns in a state-owned bank. How much of the loans that the state-owned banks in China have ever lent out each year have actually been recovered? If it had not relied on the monopoly position given by the state, and those policies that could almost be called plunder, they would have gone bankrupt long ago!

In other words, in these state-owned banks in China, as long as the leader is not a pig, and as long as the government does not force the banks to give loans to those enterprises that are certainly unable to repay their loans, it will be a hell of a matter if they do not make a profit! Although Gu Yucheng is said to be an executive of a bank, Gu Yucheng feels that there is no essential difference between being an official and thinking all day long about how to increase the bank's rate of return, but how to deal with these greedy officials.

If you say...... Even if Jimin Bank can have one-tenth of the scale of Bank of Communications, Gu Yucheng is willing to give up his current position in Bank of Communications and jump ship...... The current scale of Jimin Bank is too small, and with China's financial system, it will take a long time for Jimin Bank to develop rapidly, even one-tenth of the size of a smaller bank among state-owned banks, such as the Bank of Communications.

He Gu Yucheng really can't afford to wait!

Fang Mingyuan looked at Yan Guan and saw that Gu Yucheng was obviously a little moved, and he couldn't help laughing in his heart. Counting Jimin Bank, Fang Mingyuan has more than five banks with shares, in addition to the banks in the United Arab Emirates that cooperate with Prince Abdullah, there are also Russia's Menajet Private Bank and two local Xìng banks. It's just that the shares of each one are not very large, and they are far from being able to control them.

Fang Mingyuan is confident that in ten years, he will gradually integrate these financial resources in his hands, so as to create a core financial institution for Fangjia industry. And Gu Yucheng is the future head he has chosen so far.

Before this, Fang Mingyuan was not sure whether Gu Yucheng was willing to give up the administrative level of a state-owned bank executive, but now it seems that this is obviously not an insurmountable barrier!

"Uncle Gu, at the shareholders' meeting of Jimin Bank, I only promised that wherever Jimin Bank's business outlets went, if there were local branches of Carrefour Group, then Jimin Bank would be chosen. As for the areas where Jimin Bank's business outlets have not yet opened, they are naturally maintained as they are!" Fang Mingyuan said with a smile.

Gu Yucheng relaxed a little in his heart, if this is the case, the impact on the Bank of Communications is indeed not big, and for himself, it will be even more minimal.

"Moreover, Sister Qiuxuan and Mr. Zheng and I put forward a proposal at the shareholders' meeting, and after everyone's debate, it was finally approved. Fang Mingyuan said, "After the establishment of Jimin Bank, within 15 years, all shareholders, including their affiliated enterprises and companies, must obtain the consent of the shareholders who account for 85 percent of the shares if they want to take out loans from Jimin Bank, and the total amount of the loan must not exceed the value of the shares held by the shareholders! If someone deliberately conceals the relationship with the lending company or company, once it is discovered, not only must he be held responsible, but also the shares of the Jimin Bank held by him must also be transferred to other shareholders!"

"Huh?" At this moment, not only Gu Yucheng, but even Su Aijun, Yang Junyi, Ma Yongfu, and Li Dongxing couldn't help but be taken aback!

How can such harsh conditions be aimed at the shareholders of the banks? RO@.