(In this small plot, all the banks are replaced by money banks, please forgive me)

But in Lu Qian's opinion, the whole money village may be about to have a problem now, if you don't take advantage of this time to withdraw quickly, there will be no eggs under the nest when the time comes.

Zhang Lan looked at Qin Yongjun's expression beside him, and after thinking about it, he understood.

This money is not a small amount of money, if Qin Yongjun wants to take it back, Lu Qian doesn't have to say this to him.

But there is a high probability that the money will not be recovered, in case something goes wrong with the real money bank in the future, the money will not be recovered. The situation was completely different from what we are talking about now.

Zhang Lan doesn't know how other people do, but for Zhang Lan, knowing before something happens and knowing after it happens are completely two different concepts.

Zhang Lan pondered for a while and said to Lu Qian: "Now in addition to this 20 million large certificate of deposit, are there any other similar businesses?" ”

Lu Qian took out a piece of paper from the folder in her hand and handed it to Zhang Lan, and said: "There are two similar businesses, and some of the others are short-term time deposits. Although the nature of the two similar businesses is similar, they are undertaken by the local money bank at the beginning of the national character, and as long as the lender does not have problems, this is basically no problem. Everything else is wealth management and demand deposits, and that's nothing. ”

Zhang Lan sighed in her heart, watched Lu Qian point out the deposit slips one by one, picked up the deposit slips on the other side and looked at them.

After a while, he raised his head and said: "Let's put this 20 million deposit first, and change the ratio of other similar businesses and fixed deposits, including wealth management." In addition to setting aside a certain amount of liquidity, the others were gradually merged into fixed deposits in the state-owned money banks in Kyoto, and after wealth management, they were transferred to treasury bond investment, and the 20 million yuan should be regarded as venture capital for the time being. ”

After that, Zhang Lan asked Qin Yongjun on the side: "Do you have any other opinions about what I said?" ”

Qin Yongjun shook his head: "The certificate of deposit business in my hand is all handled by Ruyi, and the 20 million yuan will not be moved, and the rest can be said to her." ”

Zhang Lan nodded, and said to Lu Qian next to her: "Then Sister Qian, just follow what I just said, you have worked hard for this period." ”

Lu Qian shook her head and said, "It's nothing, most of them are to inquire about the news." Are Zhang Lanling sure that the deposit of 20 million will not move? ”

Zhang Lan nodded: "The deposit is not moving, and then Sister Qian, you see who Feng Ruyi is guaranteeing over there, if there is nothing wrong with the guarantor, the money will be ignored first." After all, it's a money bank, and the amount of money is not small, so it can't be left at that time. ”

Qin Yongjun on the side interjected: "This will definitely not be, Ruyi has made a guarantee with me." ”

Zhang Lan smiled and didn't say anything, you can't test people in terms of money, Zhang Lan only hopes that Feng Ruyi's blood is thick enough, and she can't bear to have so many years of connections, and she can solve this matter in advance before the accident.

After eating at noon, Qin Yongjun took a nap, and Zhang Lan got up and went to the acupuncture hall next to him.

Sitting on the sofa, Zhang Lan thought about what Lu Qian said in the morning, pondered for a while, took the mobile phone and started to call.

Zhang Lan called Wen Ran first, Qin Yongjun must have discussed such a big matter with Wen Ran. After Zhang Lan called, Wen Ran had just eaten, and he would be idle.

mentioned the matter of large certificates of deposit, Wen Ran said directly: "Yongjun told me, I advised her to take back the money, I heard that Feng Ruyi is now too busy to take care of herself, but Yongjun feels that she has been friends for many years, and Feng Ruyi's family and Yongjun's family are still perennial old relationships, she feels that it is not worth tearing her face because of this." ”

Zhang Lan was speechless, and Wen Ran continued: "Zhang Lan, I think you still come forward in this matter, twenty million is not a small amount, if one or two million things are compensated for you now." However, the liquidity of 20 million is still a large deposit, even if you don't want to withdraw it, you have to take advantage of the current time to quickly make up for the non-compliant procedures, and then there will be a real problem, which can also recover the loss. ”

"Okay, I see. By the way, do you know what the problem is with that bank? Zhang Lan just wanted to hang up the phone, but suddenly asked again.

"I don't know, now all sides are covering the lid, it's not that it's difficult for the parties to know what's going on. By the way, you can ask Li Yuan about it, Qianzhuang is the village and town Qianzhuang in your mountain province, isn't her relationship in mountain province? And Zhang Lan, aren't you also from Mountain Province? You should be able to find someone to inquire about. Wen Ran said.

Zhang Lan explained: "The place in Mountain Province is big, this is just a prefecture-level city Qianzhuang, my house is more than 300 kilometers away from the location of Qianzhuang, and it will be difficult to inquire about it for a while and a half when it is so far away. But what you said is also right, there should already be someone in the province who knows about this now, I'll call Li Yuan and ask. ”

After hanging up the phone, Zhang Lan immediately called Li Yuan, and as soon as Zhang Lan mentioned the matter of Qianzhuang on the phone, Li Yuan interjected: "Zhang Lan, do you have any deposits in which stores?" Hurry up and withdraw money now, now there is a problem with the investment of the group behind them, the economic situation has not been good in the past two years, and it is estimated that it will be a thunderstorm. ”

Zhang Lan opened his mouth and said: "It was Yongjun who had a third-party deposit pledge agreement in that village and town bank, and now the assistant told me that the money is likely to not be cashed out, but the money has only been deposited for less than two months, and the person who handled it on Yongjun's side is a friend for many years, and his father is also a friend." I don't want to tear my face rashly now, so I'm going to inquire first to see what's going on? ”

Li Yuan seemed to be digesting the meaning of Zhang Lan's words, and after a while, he said on the phone: "The matter you said is more complicated, if the deposit is pledged, it means that the money will be directly loaned away." Your money is used as a security deposit, which means that if the lender repays the loan, you can get the deposit back. If you find someone, you can sit directly with the lenders of the bank, which should still be easy to solve. But this is a case where there is no problem with the bank, once there is a problem on the bank's side, this large amount of cash must be solved for small and medium-sized depositors first, and your money may have to wait until the final negotiation, and there must be no problems in the procedures. ”

As he spoke, Li Yuan said: "This is not easy to say on the phone, why don't I go to you, you ask the assistant to come over, let's sit together and explain this matter first, and then I will call you again and ask who to solve." ”

Zhang Lan hurriedly said: "Isn't there no problem now, and I just told Yongjun in the morning, I won't ask for this money for the time being, just ask what the problem is......

Li Yuan directly interrupted Zhang Lan: "I know what you mean, even if you don't want it, you have to quickly sort out this deposit agreement." In the event of a thunderstorm in the future, many hidden things must be thoroughly investigated, and it will not be a question of whether the money will be returned or not. ”

(End of chapter)