Xi Yufei knew what Lin Jiayan was thinking, so she said:

"What's so good, just be an errand runner, that's comparable to Yan Tao, I heard that they are all in the development line now?"

Doesn't he just want to show off that the boyfriend he is looking for is better than Nian Xinmin, Qingcai Luo Bu has his own love, if Nian Xinmin really pretends to be like this Yan Tao, he is not happy, as for what Yan Tao is, it is estimated that he has water, at best, he is just a reserve training object for middle-level cadres.

Since Lin Jiayan wants to show off, she can simply wear it directly, so that she can find a way to use her and Nian Xinmin as a foreshadowing.

"Look at what you said, he is also in the general manager's office of the development bank, the leaders of their bank see that he is young and old, he is out all day long, so busy that no one can see him, it is not easy to see him, either to this club, or to that dinner, I am really worried about whether he can afford to eat."

Lin Jiayan looked very indifferent on his face, but even if he was stupid, he could hear the smugness in his words, and many classmates were faintly aware of the secret war between Xi Yufei and Lin Jiayan.

However, Lin Jiayan also has the capital to show off, and now when the banking system is hot, how many people just squeeze their heads into it for an ordinary position, not to mention working in the office next to the leader, which is even more popular.

"Jiayan, what you said is not right, busy is the attention of the leader, like us don't know what to do all the days, this day is free, but where the prospect is, I can't see it at all......"

All of you here have worked hard in the workplace for several years, and they all know that it is difficult to find a good unit now, and it is even more difficult to improve and be promoted. The better units are either related households to get together. Either a handful of graduates from prestigious universities. If you want to struggle out of it, it is difficult; The small unit is easier to get ahead, but it is also fiercely competitive, not to mention, the waves are big and the boat is small, and there is a possibility of capsizing at any time, and the people on the boat will fall into the water if they don't do it well.

Looking at Yan Tao's quite familiar introduction to the vintage of wine, how to identify it, etc., Nian Xinmin knew very well that it was difficult for him to come out of the countryside in this regard, and Yan Tao knew much about it, and even if he accompanied Lu Zhengdong to participate in activities such as cocktail parties. He didn't think of using such a way to show himself, in fact, in a certain way, Yan Tao did this just to show his shallowness.

Nian Xinmin didn't feel very comfortable in his heart, and he could only comfort himself with such a reason.

And Xi Yufei's heart is even more unpleasant, women are obviously more careful than men, and they definitely don't want their boyfriends to let other people compare with them on their birthdays, but Nian Xinmin is obviously not very good at this, and she can't stop Yan Tao from showing off in front of a lot of her classmates and colleagues......

――――――――――

Lu Zhengdong, Xue Dingzhong, and Zeng Xuanlin slowly got out of the car and talked while walking.

"Zhengdong, you have to tell my brother about this! You are an old firefighter with experience. ”

Liu Anping's tone was humorous. But his face was a little dignified, and Xue Dingzhong was the president of the development bank. Lu Zhengdong and he met at the economic seminar for young and middle-aged people who had a far-reaching influence in the country, although the focus of the work of the two was different in the future, Lu Zhengdong developed smoothly in the local area, and Xue Dingzhong also made a difference in the financial system, and he led a series of reforms during his tenure as president of the Development Bank.

Although the two don't have much contact, they both pay attention to each other, and they both have a kind of heart-to-heart pity.

Schetürth's reform in the Development Bank has not only attracted the attention of the international financial market. Moreover, the reform has been fully affirmed by the high-level, and he is about to take up the post of vice governor of New Dong Province, specializing in finance, and this transfer is due to the big problems of the New Dong Development and Investment Company in New Dong Province.

Founded at the end of the 80s, Xinfa Investment is a wholly-owned financial enterprise owned by the Xindong Provincial Government, and its scale is also among the best among more than 200 trust and investment companies in the country. It has been approved by the People's Bank of China as a non-bank financial enterprise, and at the same time has the right to operate foreign exchange business.

Since the end of 800, Xinfa Investment has signed loan agreements with dozens of banks in Japan, the United States, the United Kingdom, France, and other countries, with a credit line of more than 200 million US dollars. In the international bond market, Xinfa Investment has also made frequent attacks, and in the mid-to-late 80s, it issued large bonds to Hong Kong and Europe every year. In the entire 80s, there was only one sovereign bond issued by the Ministry of Finance, so it was also called a "window company".

Guangxin, which enjoyed the policy opportunity, successively obtained the credit ratings of Moody's and Standard & Poor's in the United States, and it was equivalent to the rating of sovereign bonds at that time. Xinfa Investment continued to stand at the forefront of overseas financing, and for a time it was in the limelight, and its business scale continued to expand, gradually developing from a single trust business to an enterprise group focusing on financial and industrial investment.

By the time of 2,000 years, it had developed into a large enterprise group with assets of tens of billions of yuan, and participated in more than 3,000 projects, involving finance, securities, trade, hotel and tourism, investment consulting, as well as dozens of fields such as transportation, energy, communications, raw materials, chemicals, textiles, electronics, medical care, and high technology.

However, due to the blind investment of Xinfa Investment, the indiscriminate paving, and the failure of investment in a number of projects, its non-performing assets are gradually accumulating, and in terms of internal management, due to the rapid development, it has not kept up in time, and the management is very chaotic, and the policy environment faced by the trust industry is also changing. The country's foreign investment strategy has been adjusted, and more sovereign bonds have been issued; At the same time, the policy restrictions on external financing of state-owned commercial banks and policy banks should be relaxed.

Later, the state made it more clear that local governments could not borrow foreign debts on their own, and the government could no longer provide guarantees for window companies, and decided to implement all-round management of foreign debts. In this way, window companies such as Xinfa Investment no longer have the original special status.

However, the long-term excessive borrowing, the lack of effective management and supervision, coupled with a large number of high-interest deposits, off-the-books operations, indiscriminate lending, indiscriminate investment and other illegal business activities, have buried huge payment risks for Xinfa Investment, and the company's financial balance has gradually become unbalanced.

When the new investment gradually entered the peak period of debt repayment, the new development investment had to adopt the methods of "borrowing new to repay the old", "borrowing short to repay long", and "borrowing high to repay low" to cope. However, the general manager of one of its subsidiaries was arrested on suspicion of economic crimes. The company's huge debt was exposed. Facing a huge payment crisis.

It was against this background that Xue Dingzhong became the vice governor of Xindong Province. In fact, he specialized in dealing with financial issues, which was similar to the challenges he faced when he first became An Xin, all of them belonged to the role of firefighters, and Xue Dingzhong had no experience in local politics before, so he was invited to sit down.

"The big principle is that the top management has definitely decided, and the debts of Xinfa Investment are too big, even if there are some burdens in Xindong Province, they are powerless to repay the money. Only to ask for money from the central government. ”

Xue Dingzhong said with some distress:

"If the central government is willing to give money, then I don't need to go, the central government gives me the principle that the central government will never pay a penny for such illegal operations, and it must be dealt with well, but those creditors are very well-known financial enterprises at home and abroad, and if one is not handled well, that is, diplomatic incidents and even international disputes, this matter is really a bit tricky."

Lu Zhengdong smiled and said:

"Governor Dingzhong, I'm afraid these are not the focus of your worries. You were told a lie in front of real people, and you were loyal to the governor of the province, and you participated in the management of the triangular debt. Knowing that the one who owes the debt is the uncle, in fact, you already have some spectrum in your heart about how to deal with those people, but it is just a combination of soft and hard, and finally come up with an acceptable plan......"

Lu Zhengdong pondered for a moment before saying:

"Governor Dingzhong wants to directly let Xinfa go through the bankruptcy procedure, right? The purpose of this is to separate the government from the enterprise, and to change the past practice of the government repaying the debts of state-owned financial institutions, and to end the era of moral hazard in which the credit of the government and the credit of enterprises are not separated. It's just that I'm worried that going through such a procedure can't help but cause an uproar among creditors, and I'm even more worried that there will be very big opposition from within, right? ”

Xue Dingzhong couldn't help but say when he heard it:

"Those who know me, Zhengdong, others think that I am most worried about those international financial predators, and I also think that although bankruptcy is legal, reasonable, and reasonable, you can't go bankrupt casually, don't break the sweetness, and everyone can't go bankrupt. If you sit down and talk in accordance with international practice and adopt some measures, this problem can be solved. ”

Lu Zhengdong nodded and said:

"The amount of foreign debt owed by Xinfa Investment is huge, the creditors are involved in a wide range, and there are many controversial points involved in the process of handling, and the issue of Xinfa Investment is destined to cause an uproar in the international financial community.

After the bankruptcy of Xinfa Investment, a financial institution with a large number of debts at home and abroad, it will have a certain impact on the rating of the country's sovereign debt and the international reputation of domestic enterprises, so that for a long period of time, the government and domestic enterprises will have negative effects such as increased financing difficulties and higher costs in overseas financing. ”

Lu Zhengdong knows very well that for Xindong Province, the negative impact must be even greater, so Xindong Province must be very opposed to the bankruptcy of Xinfa Investment, and it is estimated that Xue Dingzhong, who is equivalent to the role of the minister, will be rejected.

"In the past, local governments have indeed intervened in the financial industry in terms of behavior, but the central government has unswervingly implemented the separation of government from enterprises, and the implementation of restructuring of insolvent enterprises, and the implementation of bankruptcy for those that are ineffective in restructuring is obviously a heavy reform. If bankruptcy is broken, then this kind of thing will definitely emerge one after another, and foreign investors still hold the idea that the state will bear full responsibility for the debts of financial institutions and state-owned enterprises. At the same time, some Chinese companies have also used this form to mislead foreign investors. However, if the new investment goes bankrupt, it will herald the collapse of a window corporate credit that has been confused in the past and has actually become a kind of credit bubble, which will prompt the borrower and the borrower to truly act in accordance with market rules and international practices. This is a milestone in the country's move towards a market economy. It sends a message to the world that the government will not repay a financial enterprise if it is not guaranteed by various levels of government. That is to say, foreign banks and financial institutions must conduct risk analysis and prudently conduct loans to these financial enterprises, which adheres to the principles of financial reform and conforms to international practice. In the future, foreign investors will need to re-evaluate the risks of investing or lending to China, and if they continue to do so, how much will the country pay? The central government is determined to deal with problematic financial institutions and is committed to financial reform. In the long run, this will help protect against financial risks that originate domestically. So follow the prevailing rules. That's the big picture. This is the principle ......"

Xue Dingzhong nodded:

"Zhengdong really sees it too thoroughly, if other people also understand it to Zhengdong, things will be much easier."

Xue Dingzhong also understood what Lu Zhengdong meant, since he had the Shang Fang Sword in his hand, and if he used the Shang Fang Sword well, things would be much easier, as long as he could open up the situation first, the next things would be easier to handle......

Zeng Xuanlin also took this opportunity to say:

"Two leaders. Let's go in and talk about it. ”

Lu Zhengdong and Xue Dingzhong were both stunned, and then couldn't help laughing, the two of them talked too much, they actually stopped and talked in the parking area for a while, and then slowly walked into the Xinhe Club when they heard Zeng Xuanlin say hello.

Shinho Club was opened by the children of an old cadre pushed down by the banking system, and like this old leader, his children also adhered to the low-key style of the old cadre, making a fortune in a muffled voice, and not making any publicity, and even the name was not very loud.

This veteran cadre has worked in a number of banks in the banking system, although he has never held a high-profile position. But low-key and pragmatic, tolerant of people, so the popularity is very good, but also a lot of incense, children run this small scale of private club, the main source of customers is the banking system of guests, looking at the face of the old leaders, the relevant banks have been blessed people will consider arranging some meetings and receptions here, so it is also nicknamed the bankers club by outsiders.

Zeng Xuanlin used to work in the Poverty Alleviation Division of the Department of Agriculture of the Ministry of Finance, but when the Ministry of Finance re-established the Department of Finance in '98, he was transferred to the Department of Finance as deputy director.

The Department of Finance is mainly responsible for the coordination of monetary policy and fiscal policy, and its status in the Ministry of Finance can be seen as the intersection of the two policies. However, Zeng Xuanlin and his director have differences on many issues, and they do not get along very well, and the director is very valued by the leaders of the Ministry of Finance, and the opportunity to move forward is relatively slim, so he took this opportunity to leave the Financial Department and finally entered the ranks of the department level.

The three of them walked through the corridor, Zeng Xuanlin's eyes swept away, and he was slightly stunned, "Director Zhengdong, it seems that your secretary is over there." ”

"Oh? New people? ”

Lu Zhengdong was a little surprised, his eyes turned over, and sure enough, Nian Xinmin's face didn't seem to be very good, and he had seen the girl sitting with him from afar, it should be his girlfriend, and several other people were probably friends who came to celebrate her girlfriend's birthday.

"Well, I was going to call him, but it turned out that his girlfriend had a birthday, and I didn't come, but I didn't expect to meet him here."

Lu Zhengdong's face did not change, but his heart was stagnant, such a place is not something that Nian Xinmin can afford, and Nian Xinmin wants to get married soon, how did he come here, but seeing Nian Xinmin's face, and a high-spirited young man on the side, Lu Zhengdong, who has been mixed up in such a place for many years in his past life and this life, can generally guess that he should have been brought here.

The manager on duty who led the way in front obviously noticed this, turned his head to ask for the opinions of the three people, Lu Zhengdong smiled, since he met Nian Xinmin, he was afraid that Nian Xinmin would always be uneasy, so he nodded and asked the other party to call Nian Xinmin over.

Yan Tao's expression was as petrified as a freezer, and he didn't even notice that Lin Jiayan pushed him, and his attention was completely attracted by the three people who had just passed

The three of them looked at each other, but they only stopped for a moment, smiled and said something, and then said something to the waiter who led the way in front of them, and went in.

He knew two of the three, except for the man who was light and in the middle this year, he didn't know, and the one on the left was the president of the National Development Bank, who was the biggest leader of their unit, a character who spoke in the development bank.

He has also met the one on the right, the deputy director of the financial department of the Ministry of Finance, who is also an influential figure in the financial system, and it is said that this person will also be transferred to the development bank.

It wasn't until Lin Jiayan touched Yan Tao with his leg that Yan Tao came out of his stunned state, he really didn't expect to meet two bigwigs here, he actually didn't come alone, he came to have a reception task, and he knew that many of the guests who came here had something to do with the banking system, but he didn't expect that he could meet it for the first time he came alone.

He knew them, and he was just a middle-level member of the organization below, of course they didn't know themselves, but they seemed to look at this side again, and seemed to say something, which made Yan Tao very curious in his heart, could it be that they had a little impression of themselves? Knowing that this possibility was very small, Yan Tao still couldn't help but think about it, and his heart couldn't help but jump violently......

Nian Xinmin didn't notice Lu Zhengdong and his entourage coming in, not because of the location, but because he didn't feel very comfortable.

This Yan Tao really made him tired of it, not only showing off the scenery of his work at any time in his speech and demeanor, but also teasing him and Xi Yufei, asking himself what he was doing all day in the Western Office, which seemed to be concerned, but Nian Xinmin could hear the contempt in the other party's tone.

Of course, Nian Xinmin wanted to relieve such a dilemma, and directly revealed to Yan Tao and the others that he was the secretary of the deputy director of the Western Office, he believed that Yan Tao would definitely not be so arrogant, but when he took office, someone gave him a thousand instructions, Lu Zhengdong has always disliked the people around him to swagger in his name, he did not dare to forget this at all, and repeatedly told Xi Yufei.

Xi Yufei was also sulking, Yan Tao and Lin Jiayan's limelight completely overshadowed her, today's protagonist, and Nian Xinmin's usual cleverness didn't know where to go, so he sat there sulking...... (To be continued......)