I called her, mainly because of the worry in my heart. Maybe she should have a relatively comprehensive understanding of such things.
"President Chang, are you free recently? I would like to treat you to a meal." I said to her after the phone call was put through. My words were more natural and there was no trace of nervousness. I found that when I faced her now,
The mentality is really completely different from before.
She asked me with a smile: "You want to wish me a New Year? Didn't you already wish me a New Year a year ago? I like the scarf you gave me very much."
I couldn't help but smile bitterly in my heart: Yes, last time I came back from Australia, I gave scarves to everyone I met. It would be funny if the people I gave scarves to gathered together. Of course, that is almost impossible.
I smiled and said, "I just want to treat you to a meal because I have something I want to ask you about."
She asked me: "Financially?"
I said: "That's right. I don't understand much, so I want to ask you. I couldn't explain a sentence or two on the phone..."
She smiled and said: "Then let's do it tonight. Tonight my man and his friends will have a party, and they are not allowed to bring their family members. Now why do you men like this?"
I said: "Obviously, they want to let go of drinking and entertainment today. If you bring your wife with you, you won't be able to drink and have fun, and you won't be able to have fun."
She immediately asked me: "Well, they won't do anything excessive, right?"
I smiled and said, "How could it be? Men get together just to be happy. During the Chinese New Year, friends get together to drink and have fun, such as singing, playing cards, etc., only a few times a year. So, you
Don't worry about it. Since your man told you that he wants to stay away from his wife, it means that he has nothing wrong with him."
She smiled and said, "That's true. Then I'll make him some hangover soup and keep it at home."
I immediately felt that she was really different from before, and now she seems to care about her man very much. To be honest, I am still very happy for her. Although the two marriages I have had were short-lived
, but one thing I know: many people have been confused in the process of marriage. Some people are so confused that they break up, while some people can finally come back to their senses. Obviously, Chang Bailing belongs to the latter
.
We made an appointment to meet at a western restaurant in a hotel in the provincial capital in the evening. After all, it was the Spring Festival period, so I could put some things on hold for a while. After five o'clock in the afternoon, I started to rush towards the provincial capital.
I got out of the car at the door of the hotel. I said to Xiao Sui: "Don't come to pick me up for a while. Go home and spend time with your parents. I will go back by myself after talking to the president of China Construction Bank. You will be on time tomorrow."
Just come pick me up."
He said: "Mayor Feng, I will pick you up after I go back and have dinner. It's okay."
I smiled at him and said, "No need. You can have a few drinks with your parents at home today and don't get out of the car."
He looked at me gratefully, I smiled at him, and then entered the hotel.
Chang Bailing hadn't arrived yet. I chose to sit down by the window in the lobby of the hotel's western restaurant.
I found that my heart is very calm. In fact, people are like this. Only when they have unhealthy thoughts in their hearts will they worry so much and be afraid of many things.
I ordered a drink and waited for Chang Bailing to arrive while drinking. At the same time, I took out a book from my bag and read it quietly. To be honest, I like this kind of environment, and I prefer to be in this kind of environment.
In this environment, a person sits and reads quietly.
A cup of drink, a book, and beautiful soft music floating in the ears. Such a day will really make people feel very comfortable.
It's a pity that I don't have that much free time on weekdays, let alone such a state of mind.
She came about half an hour later. Her thin body was wrapped in a slightly oversized down jacket. If you looked at it from a distance, she looked like a child.
I hurriedly stood up to greet her, "The air conditioner here is on full blast. Take off your coat, otherwise you may catch a cold if you go out later."
She looked at me and smiled, "As a leader who has been a doctor, you are different." As she said that, she took off her coat and put it on the stool next to her.
Originally, I wanted to help her, but I found that she had no intention of asking me to help her, so I left it alone. She put the clothes aside and said to me: "I'm sorry, I'm making him hangover soup at home, so it took me a while."
It’s been a while. I’ve kept you waiting for so long.”
I smiled and said, "It's okay." At this time, I couldn't help but said to her, "Sister Chang, I think you have changed a lot. Oh, I don't mean anything else, I just think you are different from before.
Already."
Her expression suddenly calmed down, and then she shook her head and sighed: "Yes. I have changed a lot in the past year, and I suddenly understood a lot of things. This change of mine is very simple, because I suffer from the disease
A serious illness. At that time, the doctor diagnosed that I might have lung cancer... Feng Xiao, you don't know, I was so desperate at that time, as if my world had completely collapsed in an instant.
During that time, my family stayed with me every day. My husband took a leave of absence and stayed with me every day, talking to me. They also looked up information everywhere to see if there were any remedies. Later, the final diagnosis said that I did not have cancer.
It was inflammation of the lungs, but it felt like I had lived again. Only then did I start to look at my past life again and think about my past life and thoughts. I found that the things I had discarded were too
There are many, but the thing that is discarded the most is family affection. In short, I learned a lot and figured out a lot because of that disease."
My heart was immediately touched by her words, "Sister Chang, congratulations to you."
She smiled brightly at me and said, "Thank you. I also feel that I am very lucky, not because of misdiagnosis, but because I understood it relatively early. It seems that God is very fair to each of us. In fact, it is unfair to us.
It’s just us. Haha! Don’t tell me... have you ordered anything?"
I smiled and shook my head and said, "Not yet. We'll talk about it when you get here."
She smiled and said: "I eat relatively lightly now, so let's order separately and order what we like."
After we ordered our own dishes, she asked me: "Tell me, what's the matter?"
So I briefly told her about the fact that many people in Shangjiang City participated in the fund-raising. Finally, I said: "What I am most worried about now is what if the capital chain of this company is broken, like this
company, do you know their situation?”
She said: "This issue is more complicated. There are many situations like this across the country, but I will definitely not make such an investment. With such high interest, unless the company is selling drugs or doing arms business
Otherwise, how could we afford such a huge return on capital? Anyway, I, the bank president, don’t believe it.”
I smiled bitterly and said: "I don't believe it either. Then, investing in securities, futures, etc., as well as real estate, etc., should be possible to get such a big return."
She nodded and said: "That's why I said this matter is more complicated. It is true that some companies now absorb private funds and then invest in futures, gold, real estate, etc. Because of this, there is no capital chain for the time being.
Fracture situation. But you should know that any investment has risks. The greater the return, the greater the risk. This is the law of economics."
I asked her: "Then you mean that it is inevitable that the capital chain will break in the future, causing people to lose all their investment?"
She nodded and said: "Our state-owned banks still have a lot of policy support. If we didn't have so many mortgage users as our main source of income, it would be very difficult for us to operate. These fund-raising companies have such high returns, and there is no state
Policy support will inevitably cause problems in the future. In fact, there have been many incidents of absorbing private funds in this way and eventually collapsing. This has happened in many countries around the world. This method is also very simple and easy to use.
It uses high interest and high returns to absorb private funds, and it can be cashed out in the early stage. This is also the fundamental reason why more and more people are involved in it."
Although I didn't know much about the situation she was talking about, I could imagine it completely. I nodded and immediately asked her: "So, how can we control the risks involved here? Or, what if?
How can we minimize the losses suffered by ordinary people in the future?"
She smiled bitterly and shook her head: "There is no way. Unless we arrest those who engage in fund-raising now. But it is difficult to define such a thing as a crime, unless our country can formulate corresponding legal provisions in the future."
I asked her again: "Then you mean that this method is legal?"
She immediately shook her head and said: "No, it must be illegal. Illegal fund-raising crimes like this are process crimes. They are crimes that gradually appear during the operation process. For example, the crime of illegally absorbing public deposits needs to reach a certain amount.
It constitutes a crime. The characteristics of this kind of process crime make it highly concealed and difficult for the public security organs to detect. In fact, any financial products you plan to develop are similar to this, and they are all taking advantage of policy loopholes."
I disagreed, "How can these two situations be the same? We are acting as a government. No matter where our government is, although some people say that if the capital chain is really broken, the government will shirk its responsibility, but I don't think so.
I believe that the government will definitely not shirk its responsibilities and will definitely find a way to prevent the people from suffering losses. Maybe they cannot get the promised interest, but the principal will definitely be safe. But the fund-raising of private enterprises like this is different.
, they will probably donate money and run away after problems arise. Do you think so?"
She smiled and said: "Yes, the government has to pay attention to its image after all. In fact, these people who engage in illegal fund-raising know the gaps in the law very well, and it is often easy to avoid actual legal risks in the early stages of the project. Once the government becomes aware of it, it will
They have already obtained what they got, and the main person in charge has already escaped. Another relatively hidden feature of illegal fund-raising is the planning of the return cycle. Generally speaking, they have carefully designed the return cycle, and the average return is
From a few months to three years. The reason for doing this is to create idols. Create a few examples that have already made a fortune, and then publicize them to deceive more people."
My head was spinning, "What should we do? Should we just sit back and do nothing?"
She said with a wry smile: "There are too many legal gaps in our country. Only after a few big events happen, we will think of improving the relevant legal provisions. As I said before, this situation occurs all over the world.
This has happened once, and although many scams have been exposed, there are still endless people who have been fooled later, and the methods of deceiving people are similar..." (To be continued)