Hanjin Bai Restaurant on Kunming Road, Jinhai City, is a relatively high-end consumer restaurant, and the three words of Hanjin Bai are taken from the meaning of the vast and boundless, the golden stone is open, and the hundred rivers are accommodated. It can be regarded as a little bit of Yanhuang's elegant spirit that has been passed down since ancient times. Wang Fan went there once, because he had just graduated, the leader of his college classmates, the class president got married, and held a banquet there. The scene is very grand, luxurious, complicated, although the bride and groom are dressed in Western-style suits and wedding dresses, but the whole wedding process is completely arranged in accordance with the traditional customs of Yan and Huang. In the next two years, I participated in the weddings of several other college or middle school friends, and I felt that they were all carved out of a process and a mold, and the interest faded after changing the soup without changing the medicine.

The most commendable first impression of Hanjin Bai Restaurant is the spacious parking lot in front of the restaurant, and it is extremely difficult to have a parking lot for more than 100 cars in the pressing area of the Central Ring Road of Jinhai City (equivalent to the second ring road of the Yanhuang capital). The parking lot has a security guard arranged by the restaurant, different from the miscellaneous army of high and low fat and thin hired by many property communities, the security guard of the parking lot is more than 175cm tall, well-proportioned, and wears a handsome dark black security uniform, similar to the beveled hat of foreign special forces, two yellow decorative belts on the left chest, with black leather shoes, I have to say that it is very stylish! The whole Hanjin Hundred Restaurant is an orange-red building, only three stories high, but each floor is more than 5 meters high, the second and third floors are rising gradually, and each window is decorated with a square shape of golden yellow coiled dragon shaped metal castings, giving people an elegant beauty.

At 11:15, Wang Fan turned off the engine, took the key, locked the car door in a corner of the Volvo S80 parking lot, and then walked into the restaurant. In the large private room on the third floor, I found familiar college classmates.

"Wang Fan, here, here!" The squad leader was the first to find Wang Fan and greeted loudly.

"Squad leader, hehe, I haven't seen you for a while, I'm rich! It seems that your sister-in-law has raised you well, hey, what about your sister-in-law? ”

"She was pregnant, and I didn't let her come, for fear that it would not be good for the child."

"Fanzi, this way!!" Gao Tao shouted from another table.

"Oh~~, okay, squad leader, then I'll go first."

"Okay, let's talk about it later!"

"Fanzi, you came early enough" Gao Tao saw Wang Fan walk in and said.

"Why, you're ahead of me, huh? Just you, what about your future sister-in-law? ”

"you, you haven't skimmed the eight characters yet, it's not easy for women to chase these days."

"It seems that there is a goal, and it is recruited from the truth!"

"Don't, don't, if there is news, I will definitely inform my brother," Seeing that Wang Fan wanted to confess and be lenient and sit in prison, Gao Tao immediately changed the topic: "Liu Jie estimates that he will almost get married this year, I heard that he and Zhang Jing are busy decorating now!" ”

"Well, I've heard that they've been dating since their sophomore year, and it's been almost five years now, which is not short." Liu Jie is Wang Fan's third roommate, and the last one is called Huo Zhuo.

"How's Huo Zhuo?"

"He can be moisturized, the unit is relatively leisurely, there is not much work, and the treatment is good!"

"Yes, you're not bad, in a real estate company, you earn a lot!"

"Generally speaking, a few years ago, the entire real estate industry was in a good year, but now it is worse, there is less overtime, and there is not much overtime pay. Hey, by the way, yesterday you said you quit, what's the matter, where did you go to change jobs? ”

"I, I changed a unit a while ago, and it turned out that the family earned too little, you know, how expensive the house price is now, I have to earn a little more to save enough for my wife."

"You've sent chun, this spring has passed, haha!! What is the name of the new owner? ”

"It's not a big company, an African boss, but a good person, the company is called Kang Zeen, and it is mainly engaged in import and export trade with Africa."

"Oh~~" Gao Tao still wanted to talk more, but after everyone arrived, it became more and more noisy, and there were more and more greetings, and later Huo Table and Liu Jie also arrived, so they put aside the idea of chatting with Wang Fanshen.

After a while, with the gradual arrival of male and female classmates, everyone opened the liquor, beer, and red wine, and prepared to push the glass and change the lamp. The dormitory was very surprised that he bought a car, but Wang Fan said that it was the company's car and he borrowed it, so everyone didn't dig deep and revealed it.

After three rounds of wine, five flavors of food, each table began to string tables, and those who had good friendships in college and were engaged in the same industry after graduation sat together to exchange feelings and information. In the past, because of his average work, Wang Fan basically couldn't get into the topics that his classmates who worked in banks, trusts, and securities, and of course he couldn't understand it. Now that the economic foundation is strong and the mentality has changed, I seem to have a little more understanding of the ridicule of the banking business from the students.

"Zhao Jing, your four major banks have been doing well recently, but our small bank is miserable!"

"Cui Peng, what nonsense, your benefits are better than ours!" Zhao Jing returned.

"I'm not talking nonsense, recently the central bank stopped injecting liquidity, requiring good use of the stock, our joint-stock bank is miserable, most of the funds have been invested in fixed asset investment, and now desperately to collect deposits!"

"I also took a look at the online news, and I heard that the bank stocks in the stock market have also fallen sharply recently, why is this happening?" A female classmate sitting around Wang Fan asked.

"In fact, it is relatively simple to say, the bank will absorb the deposit into a large infrastructure project with a high rate of return, and charge high interest to the lender, generally more than 12%, and then, because depositors sometimes concentrate on the use of money, at this time, the bank will generally launch about 5% of the short-term financial products, such as 52 days of wealth management, to cope with the concentration of funds, think about it, 7% of the spread income is more attractive!! However, there are always holes where the absorbed deposits are not enough to fill the loans, so it is necessary to borrow from other banks, that is, the overnight lending rate between banks, which is generally fine, because the small banks borrow from the four major banks, and if the four major banks do not lend enough to the People's Bank of China, they can always be solved. But this time, the People's Bank of China no longer lent money to the four major banks, the reason is that all the banks use the newly obtained money to speculate on the virtual economy, play with paper wealth, and do not invest in industry, the central bank has said several times, but all the banks still go their own way, the leaders do not listen to what they say, of course they are annoyed, and if they do not invest in industry, the economy will not improve, the economy will not improve, the economy will not be good, the employment market will be even worse, the employment situation will be bad, and the social antagonism and social contradictions will become greater, so the central bank will be ruthless and no longer borrow money from the four major banks. As soon as the four major banks saw that the money was tight, they did not borrow money from small banks, and the small banks could not borrow money, and the enterprises that originally existed in his bank used money to pay, and he did not have enough funds, so he had to borrow with a high overnight lending rate of 30%, otherwise once the capital chain was broken and depositors panicked and run, then the bank would fail. Although the bank has now borrowed money at high interest rates and does not have to go bankrupt, it is its own profits that are being damaged, and the stock market is of course bearish on bank stocks, and its stock price has fallen sharply. Of course, the most important thing is that the bank has solved this crisis, but his large loans are long-term and cannot be recovered if they want to, so for a period of time in the future, the bank will have to continue to borrow money with high-interest financial management and high-interest lending rates, and continue to discount their profits for the year, until the central bank feels that the financial bank is obedient, and will continue to lend to the bank, and then the bank will not dare to continue to disobey the yin and yang, and obediently inject money into the industrial economy. ”

"That is, the real economy of Yanhuang is not very good, and the state needs to be stimulated." A discussion about the economy began.

Wang Fan didn't care much about it because he couldn't change anything before, but now that he has a relatively large amount of money, he listens and thinks very carefully, and from time to time puts forward a sentence or two that he doesn't understand.

At half past two in the afternoon, when the party ended, when Wang Fan drove out of the Volvo S80 from the parking lot, he surprised his college classmates, in their words, he could use the African boss's grade car, and he really walked the shit luck (Gao Tao)!

After dealing with the curiosity of the classmates, after sending Gao Tao back to his residence (Liu Jie also has a car, he sent Huo Zhuo home), Wang Fan returned to his villa, looked at the economic news of the second set of the central government, and thought about his previous "ant clan" life, his thoughts couldn't help but be a little flustered, and they all said that the greater the ability, the greater the responsibility, if he only has hundreds of millions or even hundreds of millions, then he only needs to enjoy it with peace of mind, and now he has hundreds of billions of Yanhuang coins every year, and has the advantage of being a plane businessman, Do you do something for your relatives and friends, buddies and brothers, and even the society of the main plane, the Yanhuang Republic, and can you do something.

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