Gold Investor

Chapter 160
"Huang Wencan still has the nerve to talk about me." Wu Juntong also felt aggrieved, "The progress is a bit delayed, but the main reason is that he is timid. He has clearly become the chairman of the board, but he can't even make the decision to simplify the loan process. The loan application is in his hands, and it has been delayed for a long time. If the bank doesn't release the loan, what can I use to buy the equity?"

Wu Juntong seemed to want to continue talking, but Yan Fei turned around and said, "Anyway, I'm going to see Mr. Huang in a while, and we'll talk when we meet for something."

Wu Juntong also realized that he shouldn't talk too much in the taxi. He folded his hands on his chest, angrily, and stopped talking.

More than ten minutes later, the taxi stopped in front of the Hong Kong Peninsula Hotel, and the three got off and walked in.When Fei Yunpeng came to Hong Kong this time, he said he was visiting relatives and friends, but in fact he had a secret meeting with Huang Wencan.In order to avoid people's eyes and ears, the two have had very little contact recently. Even if they met this time, they deliberately chose to come to Hong Kong.Fei Yunpeng flew from Beijing last night, and Huang Wencan, who was on a business trip in Shenzhen, slipped over early this morning.Fei Yunpeng didn't inform his friends about this trip, and he didn't dare to disturb the people of Rongding Hong Kong Company, so he had to take a taxi to travel.

Huang Wencan is already waiting in the room. He is very familiar with Fei Yunpeng and Wu Juntong, but this is the first time he has met Yan Fei.When shaking hands, Huang Wencan praised: "I've been hearing about you from Lao Fei all the time, but when I saw you today, you are indeed a dragon among men. That Fang Yubin, you will be defeated in this battle."

Yan Fei said: "Mr. Huang used thunderous means to dismiss Su Hao's official position. That would be a wonderful event. Fang Yubin hurried back to Shanghai from Wenzhou just after hearing the news, but he was caught on the way."

Huang Wencan laughed loudly: "Compared to Fang Yubin, Su Hao is nothing more than a piece of cake. After you succeeded, I deliberately let Su Hao go. First, he is no longer the president, so he can't interfere with the bank's affairs; second, he spends all day I am so busy rescuing Fang Yubin that I have no time to clone, and I am too lazy to fix him."

Yan Fei complimented: "Tighten and loosen, relax in a proper way, Mr. Huang's fighting art can be said to be perfect."

Wu Juntong was suffocating at first, but seeing Huang Wencan and Yan Fei complimenting each other now, he became even more furious.He sat on the sofa, crossed his legs and said, "You all won the game, and I am the only one who is holding back."

Huang Wencan smiled slightly and said: "It seems that Lao Fei has told you what I said. It's not a delay. Originally, the work you did was the most difficult. However, no matter how difficult it is, you have to speed up the progress. Time waits for no one. .Now with the equity in our hands, it is far from being able to control Haifeng Bank.”

Wu Juntong made a helpless expression: "It's hard for a smart woman to cook without rice. According to our plan, I will be in charge of controlling several companies, and will continue to increase the equity of Haifeng Bank in the name of some of them. However, the acquisition funds have to come from Haifeng. The reason why the increase in holdings is progressing slowly is because I lack funds. Several loan applications have been suppressed by you. What should I use to buy them?" After a pause, Wu Juntong continued: "These things , The cousin you sent to the company is also very clear. But not only me, even he sometimes complains, saying that my cousin is too cautious. "

"What does he know?" Huang Wencan lit a cigarette and said, "Those loan applications are not so much suppressed by me as they are kept by me. These loan projects don't even meet the minimum conditions, so the bank How to make a loan? If I hadn’t deducted it and followed the procedure, I’m afraid I’d have been ruined by now.”

"How fresh!" Wu Juntong retorted, "If everything is legal and compliant, why do you, the chairman, do anything? What we are playing this time is that the wool comes from the sheep? To put it bluntly, it is a loan from the bank controlled by your brother , In turn, buy this bank. What you have to do is to make these non-compliant loans compliant, and then they will continue to flow into my hands.”

Huang Wencan was also a little angry: "It's not that I don't know what you said, but please be serious even if you fake it! Those loan applications are full of loopholes, and I really can't explain it. If it's just one or two, or the amount is not big , I, the chairman of the board, can still bravely approve it, but it involves a lot of loans, the amount is billions of dollars."

Wu Juntong said: "My subordinates are all top financial talents. If their level of fraud cannot catch your eyes, I'm afraid there will be nothing wrong."

Seeing that the two were arguing, Fei Yunpeng said: "Old Huang is right. You must be more cautious at this time and never force yourself. However, Juntong also has his difficulties. The real one can't be fake, and the fake one can't be faked." It’s not true. Those newly established shell companies, the so-called projects are mostly fictitious, and they can’t be exactly the same as the real ones.”

Fei Yunpeng emphasized his tone: "At this time, don't complain to each other, but sit together and try to solve the problem."

"That's right," Huang Wencan puffed on his cigarette, "This is also the purpose of our meeting in Hong Kong this time."

Fei Yunpeng said: "Old Huang, Juntong, Yanfei, I and I are all investment companies. We are very good at investment, but we are not familiar with banks. What do you think? You might as well say it."

Huang Wencan said: "Strictly speaking, using a shell company to apply for a loan and extract funds is a fraudulent loan, and the risk is not small. Moreover, once the truth is revealed, it will endanger the entire plan. Even if I am the chairman of the bank now, this trick cannot be unscrupulous. Playing on. Therefore, I want to solve the funding gap in other ways.”

Huang Wencan went on to say: "The first way is to let the funds circulate outside the body and use them repeatedly. For the shareholders of the bank, there will be a corresponding credit line according to the shareholding ratio. We can make a fuss from this. For example, there are A, The two companies B are both under our control, and they are already shareholders of Haifeng Bank. With the equity and credit line in his hand, A first borrows money from the bank, and then hands over the money to B. B has Money, you can buy bank equity, further increase the shareholding ratio, and its credit line can also increase. Next, B can loan more money from the bank, and then hand over the money to A, and A continues to increase its holdings. Stakeholders in Bank of Hong Kong."

"This method is not bad." Wu Juntong nodded and said, "Through the extracorporeal circulation of funds, we can greatly increase the shareholding ratio without spending a lot of money."

Yan Fei asked: "Can't the money in A's hand be directly handed over to B's hand?"

"Of course." Huang Wencan said, "You have to sing the fake show, otherwise you don't take the regulator too seriously. A's money must be laundered several times outside before it can flow into B's account."

Fei Yunpeng thought for a while, and said: "It is feasible to establish extracorporeal circulation of funds, but can it really make up for the shortage of funds? Holding Haifeng Bank requires a lot of funds, and it is estimated that it is not enough to rely on a few companies to pour money over and over again." .”

"It can't be completely compensated, it can only be regarded as a supplement." Huang Wencan said, "So I have a second method, which is to use Haifeng Bank's financial management funds from other banks. Simply put, it is the financial management funds of other banks. Funds, based on the credit of Haifeng Bank, short-term lending for 3 to 6 months, using fund companies as channels, setting up multiple one-to-one asset management plans, and increasing the capital of companies under our control."

Huang Wencan said: "Using this method, at least billions of funds can be mobilized. Besides, although the interbank wealth management funds are provided by Haifeng Bank, it is not a direct loan after all, and it is easier for me, the chairman, to operate it."

Fei Yunpeng asked: "With Haifeng Bank's credit, can we get out other banks' wealth management funds?"

"This has to be discussed on a case-by-case basis." Huang Wencan said, "These big banks of Zhongnong Gongjian definitely don't have time to play with you. The strong national commercial banks are probably not enough. But those weaker city commercial banks, if we Given a high enough rate of return on capital, they should take it."

Huang Wencan added: "These city commercial banks operate flexibly, but their shortcoming is limited financial strength. To complete our plan, we must find at least five or six city commercial banks to participate together. Now, I have already negotiated two, and there are still a few Home, trying to figure out a way."

Fei Yunpeng took a sip of his tea and said, "Thank you for your hard work. I will also try my best to find a way to get in touch with the City Commercial Bank."

"I think of my family." Yan Fei said suddenly.

Everyone's gazes were cast, and Yan Fei went on to say: "Although Yijia Financial Services is an Internet financial company, in terms of financial strength, it is no weaker than ordinary city commercial banks. It has a capital pool, and it has always been We are working on financial management funds. With Haifeng Bank’s credit backing and the rate of return on funds in line with market conditions, coupled with our special relationship with Yuan Ruilang, I think he will not refuse.”

Huang Wencan thought for a while and said, "I think it will work. If Yijia can afford part of the funds, our pressure will be less."

Wu Juntong interjected: "I didn't expect Yuan Ruilang to be useful! Not only did we get rid of Fang Yubin, but he also helped raise a sum of money."

Yan Fei smiled and said: "I remember telling Mr. Wu before that we should be more generous with our partners. Helping Yuan Ruilang return to Yijia, this cheap family will not be in vain. And Yuan Ruilang's usefulness is far more than this."

Yan Fei added: "Mr. Huang said just now that the premise of extracorporeal circulation of funds is to launder the money. When it comes to money laundering, even the most powerful underground banks cannot compare with formal financial institutions. Yijia is not an ordinary company, but A well-known Internet financial company. They have a serious fund pool, a wealth management platform, and can also lend money to the outside world. When funds are circulating outside the body, A company’s money may as well be invested in the name of wealth management. Apply for a loan and take out the money in a legitimate way. Compared with letting the money go around the world to barely wash it off, the way of Yijia is undoubtedly the most convenient, safest, and cheapest."

After Yan Fei finished speaking, Fei Yunpeng and Huang Wencan looked at each other with a smile and nodded in approval.Wu Juntong was happy to solve the problem, but when he thought of the dispute with Yan Fei that day, he couldn't hold back his face.In the end, he had no choice but to find a way out by himself: "You just like to show off. These words should have been said in the first place."

"This trip is really worthwhile." Fei Yunpeng slapped his thigh, "It seems that the problem of funds has been solved."

"If you have a method, you have to implement it quickly." Huang Wencan said, "The bank's employee stock ownership plan is being implemented, and the shareholding system reform before listing is also advancing. Taking advantage of the drastic changes in the shareholding structure, it is the best way for us to start. Timing. Once these tasks are over and everything is on the right track, I’m afraid we won’t be able to hide it if we make such a big fuss.”

"Yeah! Time doesn't wait, we must hurry up." Fei Yunpeng said, "Fang Yubin is still locked in the detention center. Once this kid is released, I don't know what trouble it will cause us."

Fei Yunpeng continued: "Recently, I have been communicating with the lawyer. He said that based on the analysis of the case, the police took Fang Yubin away for investigation. In the end, Fang Yubin was convicted, and his execution is likely to be suspended. That means, Fang Yubin will come out sooner or later, and the golden time left for us will not be too long."

"Old Fei, you think too much of that kid." Huang Wencan said, "Is he really that capable? I haven't dealt with him before, but judging from the recent incidents, I didn't realize how powerful he is. Let's After a set of combined punches, Fang Yubin will obediently go to the detention center?"

"You have never dealt with him, but I have dealt with him for many years." Fei Yunpeng shook his head and said, "This person should not be taken lightly at any time. This time, he succeeded because he was in the open and we were in the dark. .It's cheap, and you can't expect to get it twice."

3 Fang Yubin was arrested suddenly, but today's release is even more sudden
The rain is getting bigger and bigger, like pouring, like pouring.The heavy rain fell into the pond, and there were small dimples in the pond; the heavy rain hit the leaves, washing the leaves girl's clothes spotlessly.

The heavy iron door opened, and Fang Yubin appeared at the door, followed by two policemen. "Can we really go?" Fang Yubin turned around and asked.

"Why, I'm used to living in it and don't want to leave?" a policeman taunted.

"Go, of course I want to go." Fang Yubin said.

Another policeman looked up at the sky and said, "It's raining heavily at the moment, why don't you go back and hide from the rain, and go out when the rain stops?"

"No need, my body is strong, and I'll be fine if I get a little rain." Fang Yubin would rather be drowned than stay here for a moment longer.

"Forget it, you're usually honest, so I'll give you my umbrella." The policeman handed the umbrella in his hand to Fang Yubin.

Fang Yubin thanked repeatedly and strode out.

The rain was so heavy that even with the umbrella up, the raindrops kept hitting me.The detention center is located in the outskirts, surrounded by continuous fish ponds, and there is not even a place to hide from the rain.Fang Yubin walked for more than ten minutes, and finally saw a canteen by the side of the road, and he hurried in with his clothes already wet.

The mobile phone was just returned to me by the police, and it had already run out of power.There was still some change in the wallet, Fang Yubin bought a pack of cigarettes, and quickly plugged the charger into the socket.He took out his cigarette and took a few big puffs. Then, he moved the stool from the canteen and sat down on it.Just hide from the rain for a while at the canteen, and charge your phone by the way.

During the time inside, Fang Yubin always wanted to leave, but he never imagined that he would finally walk out of the gate of the detention center in this way.

If his arrest happened suddenly, then today's release was even more sudden!Yesterday, the lawyer came to meet him at the detention center and said that the case will soon go to trial.The lawyer also said that Su Jin also came and is outside the detention center right now.Because he was involved in a criminal offense, only a lawyer could meet with the client before the verdict, and family members could not enter the detention center.The lawyer once advised Su Jin that since he couldn't see anyone, he didn't have to come all the way from Shanghai.But Su Jin insisted on coming, saying that even though he couldn't see Fang Yubin's appearance, it would make him feel better to be closer to him.

Fang Yubin asked the lawyer to tell Su Jin, reassuring her that everything is fine and she is full of confidence in the future trial.Knowing that Su Jin and his lawyer will rush back to Shanghai overnight, Fang Yubin also told them to pay attention to safety on the road.

However, just a few hours after the lawyer left, the detention center suddenly notified Fang Yubin that the case was closed and he could leave tomorrow.Fang Yubin walked out of the gate of the detention center, but there was no one to greet him.He immediately thought that not only was he caught off guard, Su Jin and the others probably got the news very late.

After charging for more than ten minutes, the phone finally worked.Fang Yubin pressed the power switch, and as soon as it was turned on, the bell rang.Seeing that it was Su Jin calling, Fang Yubin answered the phone: "Su Jin, it's me."

"Yubin, where are you?" Su Jin looked excited and anxious.

Fang Yubin said: "I just came out of the detention center and was resting at a canteen by the side of the road before charging my phone."

"It's good to come out, it's good to come out." Su Jin said, "We all went back to Shanghai last night before we received the news that you will be released. There is no flight this morning, and we were anxious but couldn't make it. We just booked The flight in the afternoon will fly over to pick you up."

"You don't need to come here." Fang Yubin said, "I don't want to stay in this ghostly place for a moment. Help me book a ticket back to Shanghai. Let's meet in Shanghai tonight."

Su Jin thought for a while and said, "That's fine. But you are alone, can you do it?"

Fang Yubin smiled and said, "What's wrong! People who have eaten in prison, are you afraid that I will get lost?"

After 7 o'clock in the evening, Fang Yubin's flight arrived in Shanghai.When he walked out of the pick-up gate, he saw that Su Jin, Yang Yun, Wu Buda and others were already waiting here, and Su Jin was still holding a bouquet of flowers in his hand.

Fang Yubin walked out quickly, Su Jin stepped forward and handed flowers, and the two embraced tightly.

"Welcome home!" Yang Yun then walked up and held Fang Yubin's hand, "Actually, I want to hug you too, but I don't have the guts to do so in front of Teacher Su."

Fang Yubin laughed: "You are quite courageous. I heard that in order to save me, you made a big fuss about Yijia Company, making Yuan Ruilang and Jiang Ruobing unable to step down."

(End of this chapter)