Chapter 1148: Not gold, but silver

"Boss Xiao! To tell the truth, I really didn't expect you to be so rich as a country so young!" Governor Zhang exclaimed.
Chen Jing has been taken away by the Commissioner for Discipline Inspection. Xiao Peng and President Zhang have gotten closer together ------ the two breathed out a sigh of cooperation. Can you be unhappy?
Xiao Peng shrugged: "What kind of a rich and adversary country am I? There are so many rich people than I am."
He only now knows how much money he has. It turned out to be less than 40 billion. How much is this money? Bloomberg is still a thousand miles away. His wealth is more than 400 billion yuan when converted into RMB, which is not even his invisible influence. Compared with those capital tycoons, he now earns so much money in pediatrics.
Just like Bezos, the richest man in the world, his wealth is 116.9 billion yuan converted into RMB! Xiao Peng compares with him? One kid!
But this is also related to Xiao Peng making money as he pleases-he donated one billion US dollars to charity when he didn't have much money. In his eyes, this amount of money is really a number.
But these words in the ears of Bank Chang Zhang meant that Xiao Peng was refusing to keep the money in ABC: "Boss Xiao, you are too modest. I never thought anyone could make so much money at such a young age."
"Zuckerberg!" Xiao Peng directly replied without even thinking: "He was born in 1984, what about now? It is also worth more than 400 billion yuan. If Facebook's stock price rises again, the net worth will come to the fore at any time."
President Zhang feels that there is no way to talk this day. Your mouth is from among the richest people in the world. He would better change the subject: "Boss Xiao, why don't you go public?"
Xiao Peng blinked: "I'm just a small fish farm, and I'm still on the market? Are you kidding me?"
President Zhang laughed and said: "How many companies have fewer than 50 employees in the Shanghai and Shenzhen stock markets? Those are basically shell companies for money. I have paid attention to the sales and market size of Sihai Fishery, and there is no problem with listing."
Xiao Peng shook his head: "Why should I go public? I don't need money, and I don't want popularity. I'm a fish farmer. How much money do I do? Besides, if a company wants to be listed, it must operate regularly. Data. If there is an economic recession, the pressure of the capital market will ensue. I have to take various things that I didn’t want to do in order to cater to the market. Is that my fishing company or someone else’s? Don’t do it! I’m not Bad money, it’s not a turn to go to the market to collect money."
President Zhang heard Xiao Peng's words, "It's not bad for money," he rolled his eyes and started to go straight to the subject: "Boss Xiao, you are not bad for money, but after all, our country is a big agricultural country. Although the economic development is very good now, our country The agriculture, rural areas and farmers are still very serious. This is a problem that our agricultural bank has always been paying attention to. How to increase farmers’ income? How to develop agriculture to stabilize rural areas, but our bank has always been facing it. These years We have been continuing to deepen financial services for the "three rural", support urbanization, adopt a service model of "new rural communities plus agricultural industrial parks", and strengthen services to leading enterprises in agricultural industrialization. We are now establishing business relationships There are only 53 leading agricultural industrialization enterprises! The credit balance is 5.06 billion, and the loan balance is 2.64 billion. The coverage rate of agricultural industrialization leading enterprises above the municipal level is as high as 96%!"
Hearing this, Xiao Peng stunned: "96%?"
President Zhang nodded with a wry smile: "Yes, the only thing that is not covered is the Four Seas Fisheries..."
Xiao Peng scratched his head: "This, I don't seem to need it."
His four-sea fishery is really the most trouble-free. Why is his account belonging to Paixiu only in and out? It is true that he does not need any capital flow at all: the feed is produced by himself; the fish is raised by himself; the fry are reproduced by himself, and the production and marketing is absolutely right.
President Zhang complained: "Boss Xiao, you are doing a good job there, but what about others? Although I have seen you for the first time, I still know about Sihai Fisheries. Our national agricultural department even held meetings to study Sihai Fisheries. You can see the model. Last year, our country successively approved 42 national marine ranch demonstration zones. It is just to imagine that you will do this to promote the industrial upgrading of marine fisheries through the conservation of regional fishery resources, ecological environment protection and comprehensive fishery development. The country predicts that by 2025, 120 national marine ranch demonstration areas will be built along the coast of our country! There are three marine ranch demonstration areas just along the ocean in our city."
Xiao Peng gave a thumbs up: "This is a good thing! Benefiting the country and the people can make the ocean develop for a long time."
Mr. Zhang said with a sad face: "Almost all the marine ranch demonstration areas now use the slogan "Catch up with Qianliyan", but it was not until the time of operation that there were really too many problems: what kind of disease breeding method should be selected? Everyone crosses the river by feeling the stones. Moreover, the establishment of ocean ranch, the large investment and the slow recovery of costs, puts too much pressure on the Agricultural Bank of China. It is said that clever women can hardly cook food. We feel that way now. Excluding the other leading enterprises in agricultural industrialization, these three marine ranches alone account for a large amount of our bank’s loan lines."
"Now that the bank is restructuring, the current development of our Agricultural Bank is to become a first-class modern commercial bank. We are also accelerating transformation and upgrading, and promoting the high-quality and efficient development of various businesses. Now we must not only control the direction and focus of credit structure adjustment, but also It is necessary to actively meet the needs of the real economy, and at the same time strengthen the differentiated financial services for agriculture, rural areas and farmers, and combine support for urbanization with services for agriculture, rural areas and farmers..."
Xiao Peng really couldn't stand it anymore, and interrupted President Zhang's words: "President Zhang, shall we say something I can understand? I don't know anything about finance."
After hearing this, President Zhang said concisely: "Lack of money!"
Xiao Peng was speechless: "Agricultural Bank is short of money? Are you kidding me?"
President Zhang nodded and said: "The time when the mother of the Yangtze River releases water has long passed. Now the capital is continuously tightened, the whole people are in debt, the enterprise is short of money, and the bank is also short of money! Let me tell you, more than two years ago, our banking business Everyone can't sleep for finding funds overnight."
"What is overnight funding?" Xiao Peng asked curiously.
"I borrow the money that I will pay back tomorrow, so I can't borrow it for one night," said President Zhang.
Xiao Peng puzzled: "Why is the bank short of money?"
President Zhang sighed: "Oh, the CBRC's assessment, the inspection of the central bank, and the monetary fund have new regulations; even the interbank deposit certificates must be included in the CBRC's inspection project. Now many banks can only sell deposits and sell wealth management. But It’s not easy to sell wealth management now. Yu'E Bao P2P has robbed the bank of the market. So it’s most practical to get deposits, but it’s also difficult for ordinary people to make deposits! Your deposits really help our bank. Very busy."
Xiao Peng shrugged: "I can't blame the common people. Look at how many banks have recently experienced negative-face-new-news? Either the deposits of the depositors have disappeared, or the deposits have been pledged for no reason, or else it is the bills of various financial products. The bank does not admit the account... If the lawsuit is filed, the responsibility will be transferred to the criminal employee, and then the bank will not bear the responsibility. For example, the tiger king opened a bathhouse for the fox, the fox. I hired a few more mice to scrub the customer. One day the customer fell into the bathhouse and drowned. King Tiger was very angry. After sending the police to investigate the situation, he scolded the fox and caught the mouse. The customer could only admit that he was unlucky. Now there are so many financial methods. Alipay, Epay, and Duniang wallet have their own advantages. It’s not surprising that people don’t believe in banks."
After hearing this, President Zhang didn’t know how to answer, because what Xiao Peng said was the fact: "Boss Xiao, you are our super customer, and the safety of your property is our top priority. In any case, our Agricultural Bank has already done it for you. The service has been for so long. You transferred the money because of such a misunderstanding. This has hit our bank too much. Look..."
Xiao Peng smiled bitterly: "I just transferred the money to Yang's mother, and you want me to transfer it back? President Zhang, we have a good conversation now, but I really can't do this. You know, it's so big. The transfer of funds must be done by asking someone for help. It is easy for me to transfer the money to Yang Ma, but it is difficult to transfer the money from Yang Ma."
Bank Manager Zhang looked pleading: "Boss Xiao, I know what you said, but I really want Boss Xiao to do me this favor, so let's, Boss Xiao, you are our super customer. I will give you a policy. No matter what the interest rate was at that time, we will give you 0.2% more than the standard interest rate. For example, if the interest rate is now 1.75, we will give you 1.95!"
Xiao Peng shook his head: "I just transferred the money to Yang Ma, and it is not appropriate to take the money back."
Bank President Zhang frowned slightly and thought about it: "Then Boss Xiao, how about this? At that time, we analyzed your capital flow, and how many large sums of money will enter your Agricultural Bank account every month. From now on, this money flow will continue to go to our Agricultural Bank account. Huh?"
Xiao Peng nodded after hearing this: "Well, President Zhang, this request can completely satisfy you. It happens that many customers only know my account, and it would be troublesome to change it."
President Zhang widened his eyes after hearing this: "Boss Xiao, do you know how much your monthly flow is?"
Xiao Peng shook his head: "I'm not sensitive to numbers. I don't know much. Now money is numbers to me."
President Zhang took a deep breath, OK, you will pretend to be forced: "Boss Xiao, do you know? Your account is tens of millions a month when it is small, and hundreds of millions when it is large. This is all earned by selling fish? Do you sell millions of tons of fish a month?"
"Ah? A few million tons? I just sell dozens of tons of fish a month for fun." Xiao Peng said lightly: "I value quality more than output."
"What? I'm going, boss Xiao, is your fish made of gold?"
Xiao Peng said lightly: "Gold is not considered to be, it is almost made of silver."
"..."