I'm in the county town, and you say I'm a big shot?

Chapter 70: This guy seems to be right about everything he says?

But in Xia He's opinion, this prediction seemed absurd no matter how you looked at it.

Too conservative!

Especially regarding the reserve requirement ratio, if the five major state-owned banks remain unchanged and only the small and medium-sized banks are affected? That would be much smaller than market expectations.

But why did he make such a prediction?

Xia He had no idea that in order to avoid causing unnecessary trouble, Fang Qingye had deliberately increased the reduction in the loan reserve ratio slightly compared to the data to be announced by the central bank in the future.

Historically, the reserve requirement ratio was lowered by 0.27 percentage points, but he changed it to 0.28 percentage points.

Intellectually, Xia He strongly opposed Fang Qingye's idea.

But emotionally, she has an inexplicable trust in Fang Qingye. It seems that everything this guy says is right!

"Senior, are you looking at your phone? Did your husband send you a message?" Yu Yang asked again at this time.

"No, a friend." Xia He replied, put down her phone, sorted out her thoughts, and said with a smile: "Then I'll make a bold guess. If I guess wrong, don't laugh at me in the future."

"The one-year benchmark lending rate should drop by 0.28 percentage points, and as for the reserve requirement ratio, it's probably one percentage point."

"Junior Ha Xia, you are as conservative as me." Lei Ming joked.

"Don't worry, I haven't finished yet." Xia He continued, "Lowering the reserve requirement ratio by one percentage point will only affect small and medium-sized banks. The Big Five banks will probably not move forward and maintain their original interest rates."

After Xia He finished speaking, everyone present was shocked.

"Xia Xuemei, I was wrong just now. You are more conservative than me!" Lei Ming laughed.

"That's right, senior sister, what makes you think the interest rates of the five major banks will not change?" Yu Yang also asked.

"I think the central bank is testing the waters for the first time and waiting to see how the market reacts."

Xia He's thoughts suddenly became active.

Since you have chosen to believe Fang Qingye, you have to think from his perspective about why he made such a prediction.

"So you mean there will be a second and third time?"

"Yes!" Xia He's eyes became firm: "The central bank will take new actions based on market reactions."

Everyone exchanged glances at Xia He's answer, which made some sense.

Since Xia He gave her answer, the only person left who has not expressed his opinion is Fang Qingye.

Everyone's eyes turned to him.

Fang Qingye smiled and said, "I just graduated from school a year ago. I haven't seen or heard as much as you have. I really don't know how to guess. But if you really want to say, I agree with your prediction."

"Haha, they are indeed President Xia's soldiers." Yang Kehua couldn't help laughing.

Everyone started laughing too.

"Xiao Fang, you listen too much to your senior, don't you? This is not good. People should have their own opinions." Yu Yang said in a lecturing tone like an elder brother.

"This has nothing to do with whether you have your own opinion or not." Fang Qingye looked at him and smiled slightly: "I think your prediction is more accurate. If you predicted this data, I would agree with you!"

"Well, let's just wait for the central bank to announce the final result!" Yu Yang sneered.

"Xiao Yu, this is just a topic to add some entertainment after dinner. Why are you so competitive?" Qin Zhiqing said, raising his glass in time.

"Thank you all for coming today. Let me suggest we raise a toast!"

"Come on, cheers!"

After the party, President Yang specially arranged a car to take Director Qin and Yu Yang back to the hotel. The rest of the people took taxis back, and Fang Qingye and Xia He took a taxi back to the hotel.

In the car, both of them sat in the back seat. Xia He looked at Fang Qingye, whose face was flushed from drinking, and said with a smile, "Xiao Fang, you can't drink much." "You are wronging me. I drank the most today." Fang Qingye defended.

"There are six of us, and we only drank two bottles of wine. How much more can you drink?!"

forget it. I'm done here.

I can't compete with you, a heroine, in drinking. I admit defeat.

Fang Qingye turned his head and looked out the window.

Seeing Fang Qingye like this, Xia He pursed her lips and smiled, and didn't mention the matter. Then she thought of the QQ message he had sent at the table just now, and asked again: "Hey, Xiao Fang, I still find the content you just sent me a little unbelievable. The data is too conservative."

It was a bit conservative. When Fang Qingye saw the central bank's announcement, he had the same feeling as Xia He: such a small reduction?!

But he didn't want to talk about it right now, so he just replied, "I just sent that randomly, don't believe it."

Fang Qingye's gaze was still looking out the window.

Ah?
Is this young man losing his temper?

Xia He wanted to say something to comfort him, but some things were difficult to say in the taxi.

In fact, she had no idea that Fang Qingye felt nauseous and wanted to vomit after coming out of the hotel and feeling a bit of cool wind.
Fang Qingye returned to the room and took a shower, and the nausea in his stomach slowly disappeared. Thinking that he would not go back home at night, he lay in bed and called his mother to briefly explain the situation.

"Ah, you're in Jinghai, with President Xia?"

"Yes, attend the alumni association. Didn't I just tell you?"

"Aren't you coming back to stay tonight?"

"I can't go back. I've been drinking and can't drive."

"Then you better be careful at night, son."

"Mom, please stop thinking about it, okay? How about I leave my car in Jinghai and take a taxi back by myself?" Fang Qingye replied unhappily.

"It's so unsafe to take a taxi back so late! Okay, let's not talk about this. How much alcohol did you drink today?" Zhang Meili asked again on the phone.

"Less than half a pound. I'm drunk."

"No way, you're already drunk after drinking less than half a pound? Not even as good as your dad."

I@#￥%%
I was despised again.

After a good night's sleep, Fang Qingye woke up early the next morning feeling refreshed, all the drunkenness from last night gone.

It’s better to be young
Before my rebirth, I got drunk once and it took me several days to recover.

After checking out, I had breakfast at the restaurant with Xia He and drove back to Nanxin.

Time quickly came to early September. With the reports of various official media, news of a major shift in the country's monetary policy and the reduction of the benchmark lending rate and the deposit reserve ratio spread in the market. Many institutions, including foreign investment banks such as Citigroup and Morgan Stanley, also gave their own forecasts.

Of course, there are many different options. Some institutions have speculated that the benchmark lending rate will be lowered from 0.1% to 0.4%, and the reserve requirement ratio will be lowered from 1% to 3%.

Xia He also often reads news about this, and sometimes asks Fang Qingye a few questions on QQ.

Fang Qingye knew that she was waiting for the final result to be announced by the central bank to see if it was consistent with the prediction he had left in the QQ message at that time?
But Fang Qingye was not interested in this matter.

That was a topic of conversation after dinner. At that time, he just wanted to help Xia He.

Also, Yu Yang is so annoying, Fang Qingye doesn't like him.

In fact, what does the central bank’s results have to do with him?

(End of this chapter)