Gold Investor

Chapter 19: Shanghai Wind and Cloud (3)
Su Jin said: "I think your argument can be more precise. In my opinion, the Ming Empire is not short of silver, but the court is short of silver."

"How?" Fang Yubin became interested.

Su Jin said: "Silver production in China is limited, but this does not prevent the Ming Empire from using trade means to continuously import silver produced in the American continent. According to statistics, the two countries that accumulated the most silver at that time were the maritime hegemons. Spain, the other is the Ming Empire, the two are comparable. Therefore, even though the silver import channel was cut off during the Chongzhen period, the wealth accumulated before was enough to squander for a while. But unfortunately, because of the special political structure, it is difficult to enter China The silver is not in the hands of the court, but in the hands of officials and merchants."

"That's right." Fang Yubin nodded and said, "At that time, the imperial government couldn't pay the bandits, and there was only 10,000+ taels of silver in the treasury, but Li Zicheng went to Beijing, and through torture to extract confessions, he actually stole 7000 million taels of silver from officials and wealthy businessmen. "

"It was good to hide wealth among the people, but under the social conditions at that time, things turned to the opposite." Su Jin said, "The imperial court had no silver, so it was unable to prepare for war. What's more frightening is that the official and business class who hold a large amount of silver , can’t find a suitable investment channel, which is often said to have money but no place to spend it.”

Su Jin also said: "Europe was on the eve of the industrial revolution at that time, and the domestic markets of various countries were beginning to take shape. A large amount of silver poured in, which immediately stimulated the development of various industries. China was in a traditional farming society and did not have a vibrant domestic market. Officials and wealthy businessmen have so much money that they don’t know how to spend it, and the only way to invest is to buy fields and land.”

Su Jin went on to say: "According to research, in the late Ming Dynasty, housing prices in the capital had been skyrocketed. At that time, the annual income of a handicraft worker in Beijing was only 12 taels of silver, while a set of official residences was worth 7000 taels of silver. Even more terrifying All over the country, the most serious land annexation phenomenon in Chinese history occurred. While large landlords bought a large amount of land, a large number of peasants who lost their land became refugees. In the end, the Ming Dynasty died at the hands of Li Zicheng and Zhang Xianzhong who were born in the family. inside."

The two chatted freely around topics of interest.Unknowingly, a few hours passed, and the sky darkened.Su Jin looked at his watch, and said with some reluctance: "I have to rush back to Jiangzhou tonight, the company has an event tomorrow morning."

Fang Yubin said: "Mr. Su, we should meet again in Jiangzhou soon."

"Okay, but I have a request. Don't say 'Teacher Su'. Women are most afraid of being called old. You can call me by my name." When he said this, Su Jin's face flushed slightly.

After returning home, Fang Yubin remembered that there was still an unprocessed document, so he sat down at the computer desk.While typing on the keyboard, he unpacked a pack of high-end cigarettes that Chu Man had given him and smoked them.

Seeing Fang Yubin swallowing his clouds, Qi Yu, who was playing with his mobile phone on the sofa, teased, "What's the matter, you made a fortune outside, and changed your shotgun to a cannon, and switched to smoking better cigarettes?"

"What kind of money are you making?" Fang Yubin said, "This cigarette is a gift from a friend."

On weekdays, Fang Yubin smoked foreign cigarettes.In his words, this is called compulsion into a habit, and habit into nature.There are roughly two types of cigarettes, one is the flue-cured type, and the other is the mixed type, also called the raw tobacco type.Flue-cured cigarettes are characterized by a single raw material, almost all of which use one kind of tobacco, and have a relatively high tar content.Most of today's domestic cigarettes are flue-cured tobacco.Blended cigarettes are concentrated different types of shredded tobacco mixed in proportion, and the general foreign cigarettes are blended cigarettes.Generally speaking, Chinese people who are used to smoking flue-cured tobacco find it difficult to accept the taste of foreign tobacco.

Fang Yubin didn't like foreign cigarettes at first.But because of the work relationship, all the people in contact with are successful people, and they often sell sky-high prices for cigarettes.I want to be on par with others, but I don't have the strength; I feel ashamed of having a 20 yuan domestic cigarette on my body.In the end, I had no choice but to decorate the facade with cheap but seemingly tasteful foreign cigarettes.

Qi Yu once laughed at Fang Yubin, poor carpool, rich watch watch, silly x fight mobile phone, funny x fight computer, you even have to decorate the cigarette you smoke, I don’t know what kind of person you are!

"Your friend is quite generous." Qi Yu walked to Fang Yubin's side, "My phone is running out of battery, let me use yours."

Qi Yu took the phone, and while swiping on the screen, he casually asked: "Who did you meet today and chat for so long?"

Fang Yubin said: "Didn't I tell you yesterday that I had lunch with Chu Man of Jinsheng Group at noon and went to see the vice president of Jianghua Group in the afternoon."

"Isn't this boss surnamed Su?" Qi Yu asked again.

Fang Yubin's hand left the keyboard: "How do you know?"

Qi Yu said: "There are call records on your mobile phone. Look at the name, he is an old man, right?"

Fang Yubin stared back at the computer screen: "Oh, yes."

"Fang Yubin," Qi Yu suddenly raised his voice, "How long are you going to lie to me?"

Fang Yubin was startled, then turned his head and said, "What's wrong? When did I lie to you?"

Qi Yu stood up from the sofa: "The story of you helping a woman in Jiangzhou to hold back alcohol, and getting drunk, spread throughout the company. I was ashamed of you when I heard it! That woman, isn't she Su? Jin? Today you went out on a date behind my back, didn't you lie to me?"

Fang Yubin complained endlessly in his heart. It seemed that office romance was not only intolerable to the company, but also harmful to himself.The news about drinking in Jiangzhou even reached Qi Yu's ears!

"How do you call lying to you!" Fang Yubin hurriedly explained, "I'm talking about the vice president of Jianghua Group. This is the truth. Su Jin was originally the deputy general manager. Drinking at the wine table that day was also necessary for entertainment."

Qi Yu refused to let go: "I asked you if Su Jin is an old man, why did you say yes, why are you guilty?"

Fang Yubin said: "I was working on the computer just now, and I didn't hear what you said clearly, so I nodded in confusion."

"Nonsense, I think you are becoming more and more dishonest." Qi Yu's tone was aggressive.

"It's really a misunderstanding." Fang Yubin said, "I didn't mean to lie to you, but I lost my focus for a while, and I was sloppy. I promise, I won't be an example!"

Qi Yu sat back on the sofa again: "Anyway, we are neither married, nor have we announced our relationship to the public, so you can do whatever you like, and this girl is too lazy to worry about it."

Fang Yubin said: "What can I do? It's not that I don't change my mind and follow you and listen to you in everything."

Qi Yu finally had a smile on his face, but his mouth was still unforgiving: "If you don't want to say it early. There is a saying that is good, the sea is dry and the stone is rotten, it is better to get together and get away."

Seeing that Qi Yu's attitude began to soften, Fang Yubin struck while the iron was hot, and hugged Qi Yu on the sofa: "I don't dare to have that kind of thought."

Qi Yu pushed him away and said, "I'll keep this in mind for you. There is one more serious thing to tell you."

"What's the matter?" Fang Yubin asked.

Qi Yu said, "Does anyone in the company know about our relationship?"

"No way." Fang Yubin said vigilantly, "How did you notice it?"

Qi Yu went on to say: "Meng Wei, the head of our finance department, has always mentioned you intentionally or unintentionally when chatting with me recently. Although she pretended to be careless, I think it was testing. Also, Meng Wei recently Leading a group of people to investigate Yuan Ruilang's account, but they don't let me intervene, as if they intend to drive me away."

"Are you too sensitive?" Fang Yubin's words were not only to persuade Qi Yu, but also to comfort himself.In fact, he was full of doubts in his heart. Yuan Ruilang has already dismissed get out of class, so why bother with old debts?
"I hope so." Qi Yu said.

"Even if they know, it's no big deal." Fang Yubin said loudly, "It's not a big deal after all. If it doesn't work, we will take the initiative to announce it. Then you will resign and work in another company." .”

"You put it lightly." Qi Yu said, "I said before that I have been used to it in Rongding for these years, and I don't want to change jobs until everything is ready."

Fang Yubin remained silent. He knew that what Qi Yu said was all ready, he meant buying a house and a car in Shanghai.A marriage certificate is just a piece of paper, as thin as gauze; cars and houses, the pressure is as heavy as a mountain!Thinking of the 20 cash he just rejected today, Fang Yubin didn't even know whether he should regret it.

There was silence in the room for a long time before Fang Yubin spoke again: "You also know that it is impossible for me to buy a house or a car in a short time!"

"It's an honor not to be able to do it, isn't it? Why are you so fierce?" Qi Yu roared loudly.

Fang Yubin said: "Where am I being fierce? I was just stating a fact."

"You are fierce!" Because of the tone of the sentence, the two fell into a long quarrel again.

That night, the two still slept in the same bed, but there was no communication.Fang Yubin's mind was in a mess and he couldn't fall asleep.Later, he simply turned over and sat on the bed leaning on the pillow.He glanced at Qi Yu who had already fallen asleep. The sleeping position of the other party was very strange, and he always liked to lie on the bed.

Fang Yubin read in a book that one can peek into a woman's character from her sleeping position.Women who like to sleep on their backs are generally gentle and refined, broad-minded, and not narrow-minded.Women who like to sleep curled up are often insecure or have been deeply hurt.And women who like to sleep on their stomachs usually have a strong personality and don't want to be inferior to others.Sleeping on your stomach, subconsciously control everything you can control in your own hands and put it under your body.

3 Pies falling from the sky often make a trap on the ground

At around 8 o'clock in the evening, Fang Yubin hurried back to the office.On the way home just now, I received a call from Yan Fei, saying that there was something important and asked him to go back to the company immediately.

Back at the company, I saw that the lights in Yanfei's office were on, but Yanfei's secretary and the administrative assistants of the general manager's office had already left work.Fang Yubin wondered, according to the company's rules, as long as the general manager worked overtime, the secretary and administrative assistant would accompany him.What happened today, this group of people dared to leave the boss in the office alone?
After seeing Fang Yubin, Yan Fei crossed his legs, with a serious expression on his face: "I am in a hurry to call you over, because I want to chat with you about Yuan Ruilang."

Fang Yubin was puzzled by Monk Zhang Er for a moment. For the Shanghai company, Yuan Ruilang was already a figure in history, so what else could he do?

Yan Fei continued: "After I took office, I heard many people report Yuan Ruilang's problems, and found some clues during the financial audit process. I have reason to suspect that Yuan Ruilang used the co-investment mechanism to make a lot of money in the Jinsheng Group project. .This project is now a mess, and Rong Ding's large sum of money is trapped in it, while he himself makes a lot of money."

There was a buzzing sound in Fang Yubin's head, as if there was a short circuit.It took a few seconds before he forced himself to calm down.Fang Yubin realized that something big was coming, and he had no time to be in a daze, so he had to concentrate.

The so-called co-investment mechanism is a term within the investment company, which means that when the company invests money in a certain project, the investment manager and the executives in charge of the project will also take out the money to follow along with the investment.The original intention of this system is to make project operators more responsible.After all, the success or failure of the project is also related to one's own pocket.However, with a little use, this system will be alienated into a means for the insiders of investment companies to make profits.For those projects with higher risks, internal personnel will try to control the proportion of follow-up investment as much as possible.For those projects that are sure to make a profit without losing money, insiders not only follow the investment themselves, but also borrow other people's names to invest in the shares, and then cash out and leave the market after they are successfully listed.

Taking advantage of the co-investment mechanism is an extremely severe accusation for an investment company executive!If it is confirmed, Yuan Ruilang will not only have no career prospects at all, but may even face prison.How much evidence does Yan Fei have?What kind of role does he want Fang Yubin to play?

Fang Yubin kept rubbing his hands, and slowly said, "I don't know much about these things."

Yan Fei looked directly at Fang Yubin: "What is unclear? Did you forget, or did you not have these things at all?"

After pondering for a while, Fang Yubin said, "As far as I know, there shouldn't be such things."

Yan Fei seemed rather displeased: "If you can't remember clearly for a while, you can recall it slowly. If you insist that these allegations are false, you will have to bear the responsibility in the future."

Fang Yubin suddenly felt that Yan Fei in front of him was so strange.In the past few months, Yan Fei has always been kind to him, not only has no pretensions, but also calls him a brother from time to time.Today, however, Yan Fei is like a high-ranking judge, with a posture of never giving up until he achieves his goal.

Seeing that Fang Yubin was silent, Yan Fei took out another stack of documents from the drawer: "Look at this, you can't explain clearly anymore!"

Fang Yubin lowered his head and flipped through them. These were all reimbursement receipts from the past few years.Yan Fei lit a cigarette and said slowly: "Yuan Ruilang borrowed millions from the company, and finally wrote off all the loan in the name of official receptions. Judging from these reimbursement documents, you have participated in many official receptions." Accompanied, many times, after Yuan Ruilang signed, you got reimbursement from the finance department."

"Of course I know these things, what's the problem?" Fang Yubin asked.

Yan Fei said: "After review by the finance department, it was found that there were many invoices that did not meet the regulations."

Fang Yubin felt his scalp go numb, it seemed that Yan Fei had made it clear this time that he was wrong with the person.In order to rectify Yuan Ruilang, almost everything is used.At Yuan Ruilang's level, there are hundreds of thousands of official reception fees every year.As long as it is within the quota, the invoice will be used for reimbursement. This has obviously become a benefit for the company's executives.Yuan Ruilang usually spends a lot of money, and when money is tight, he will inevitably find some invoices from outside to offset it.Unexpectedly, Yan Fei would not let this go!
Fang Yubin couldn't figure it out even more, Yuan Ruilang had resigned from the stage in despair, and Yan Fei had also recovered smoothly.Why do you want to kill Yuan Ruilang who has no threat at all?
Yan Fei continued: "Yuan Ruilang is the general manager. He signed and asked you to go to the finance department for reimbursement. Of course, you can't refuse. But now that the problem has been exposed, you'd better take the initiative to explain it clearly. In this way, you can also Get rid of the responsibility."

Fang Yubin put the materials on the coffee table, raised his head and smiled wryly: "These receipts span several years and involve hundreds of purchases. I can't remember clearly for a while."

Yan Fei sat on the boss chair, smiled and said, "It doesn't matter if you can't figure it out for a while. Today is Friday, and I hope you can give me a clear answer when I go to work on Monday next week."

When I got home, it was already past 11 o'clock at night.Fang Yubin sat on the sofa weakly, his head was in a mess.Just then, his cell phone rang.Looking at the caller ID, it was Wu Juntong, Director of the President Office of Rongding Capital Corporation.

Wu Juntong was the first to inform Fang Yubin of the news of Yuan Ruilang's dismissal from get out of class and Yan Fei's rectification. He also patted his chest and promised that he would speak well for Fang Yubin in front of the new leader.Today, as soon as Wu Juntong came out of Yan Fei's office, Fang Yubin had an ominous premonition.

Picking up the phone, Fang Yubin said very politely: "Director Wu, hello!"

"Brother Fang, hello!" Wu Juntong said with a smile.

Fang Yubin said: "It's so late, you haven't rested yet?"

Wu Juntong said: "I accompanied my boss on a business trip in Dalian, and I just returned to my room. I had a phone call with Yan Fei just now, and he complained to me."

The premonition had come true, Fang Yubin simply pretended to be deaf and dumb: "What is Mr. Yan complaining about?"

Wu Juntong said: "Yan Fei said that he recognized your ability very much, and he has been using you all the time since he took office. But today, when I assigned you a job, you pushed back and forth." After a pause, Wu Juntong said: "I will tell Yan Fei immediately Yubin is not only my good brother, but also a talent that Mr. Fei appreciates. You can doubt me, but don’t you still trust Mr. Fei’s vision?" When he said this, Wu Juntong did not follow his previous conversation habits, calling Fei Instead of "boss", Yunpeng said "Boss Fei", and whenever these two words were mentioned, his tone was particularly emphasized.

Then, Wu Juntong asked with concern: "Is there any misunderstanding here?"

(End of this chapter)