Qi Tongwei at the start: Not relying on Liang Lu, but winning by a single move against Heaven.

In the office of the branch manager of the county branch of China Construction Bank.

Bank President Sun Yuanqing shrugged at Zhao Haiyan, whose face was gloomy, and said with a wry smile.

"Director Zhao, it really isn't my fault. I submitted the materials, but the city branch refused to approve them."

"You saw and heard the phone call I just had with the city branch..."

Zhao Haiyan kept a cold face and refused to listen to Sun Yuanqing's explanation.

Loan policies, income and expenditure statements, collateral documents...

Zhao Haiyan pointed at Sun Yuanqing's nose and argued with him point by point, breaking down and dissecting each point.

Her words were clear, logical, and well-founded, leaving Sun Yuanqing with no fault to find.

It's not that Sun Yuanqing is weak, it's just that Zhao Haiyan is too formidable.

Come to think of it, as a woman, how could she be a kind person to be able to hold a firm position in the county finance bureau in the male-dominated political arena of Bianxi?

Besides having strong business skills.

Zhao Haiyan's background, abilities, and skills are all top-notch, without a doubt.

Sun Yuanqing blushed deeply as she berated him, completely unable to defend himself.

He looked distressed, clasped his hands together, and begged for mercy repeatedly.

"My dear sister, please stop talking. You're making things difficult for me. I'm really useless... I really can't do anything about it."

Zhao Haiyan was also tired of nagging, so he snorted and picked up his teacup to refill his water.

Seeing that she was silent, Sun Yuanqing finally found an opportunity to speak and quickly said something.

"Putting everything else aside, my son and your daughter go to the same school, right?"

"Are you two still deskmates? With our relationship... I should have stamped your application long ago..."

Zhao Haiyan took a sip of tea, and his expression softened.

She knew in her heart that Sun Yuanqing was telling the truth.

The two usually have a good personal relationship, and their families also visit each other. This is a public matter, so Sun Yuanqing has no reason to obstruct her.

Seeing that she had finally stopped scolding, Sun Yuanqing immediately got up and closed the office door.

Back in his office, he lowered his voice and revealed the truth to Zhao Haiyan.

"Closed to the door, I'm also from Leishan. I'll be frank with you..."

"I did the initial review of the materials, and there were no problems; they all met the procedures, but it was completely useless."

"There's a rule in the city that for pre-loan loans, you have to keep 10% of the interest."

Zhao Haiyan understood instantly. She frowned slightly, glanced at Sun Yuanqing, and asked a question.

"So you're saying, if I borrow three million, they'll only lend me 270?"

Sun Yuanqing sighed and said with a wry smile.

"Good sister, you're overthinking it. You haven't even calculated the rebate yet..."

Zhao Haiyan was taken aback, then lowered his voice and asked, "How much is the rebate?"

Sun Yuanqing didn't say anything, but grinned, stretched out his hand, and gave an OK sign.

Zhao Haiyan kept a calm face and quickly made a mental calculation.

3 points, 300 million is 9 yuan.

The amount of money wasn't much, but it was enough for the county to pay two months' worth of teachers' salaries.

She dared not agree to this condition; she had to ask her superiors first.

......

After leaving the county bank, Zhao Haiyan walked back to the county government with his head down, lost in thought.

She stood at the front door, pondered for a long time, and then steeled herself and walked into Qi Tongwei's office.

The scene of Li Sulin being scolded a few days ago is still vivid in her mind; she really didn't want to come.

There's nothing I can do; if the loan isn't approved, it's bound to happen sooner or later, there's no escaping it.

Qi Tongwei was in a good mood after receiving two pieces of good news in a row.

When he saw Zhao Haiyan arrive, he quickly smiled and invited her to sit down.

Even the way she addressed him changed from "Director Zhao" to "Sister Zhao".

"Sister Zhao, please have a seat. I just got some tea from Secretary Qin, please try it."

After saying that, he poured Zhao Haiyan a cup of tea and placed it in front of her.

The more affectionate Qi Tongwei acted, the more uneasy Zhao Haiyan felt.

It wasn't entirely because she was afraid of being scolded; she felt she hadn't done her job well and was ashamed to receive such treatment.

Qi Tongwei noticed Zhao Haiyan's embarrassment and asked with a smile:

"Is there a problem with your bank loan?"

Zhao Haiyan was taken aback, then nodded with a wry smile:

"County Chief Qi, it's my fault. I didn't handle things well...and it delayed the county's unified plan."

Qi Tongwei smiled, didn't respond, and continued to ask:

"Is it stuck in the city? Is there a problem with our paperwork, or with the implementation of the policy?"

Zhao Haiyan sighed, glanced at Qi Tongwei, and said in a deep voice:

"The procedures and policies are all fine, but the city branch is just holding back the approval, saying there are not enough funds."

Qi Tongwei nodded; he had anticipated that the city branch might hold him back.

He was considering whether he should personally go to the city to invite the bank president to dinner to strengthen their relationship, but Zhao Haiyan spoke up again.

"County Chief Qi, I've actually already found out the details. Sun Yuanqing told me the whole story..."

She started speaking, but then hesitated and didn't continue.

The city branch had clearly crossed the line and violated regulations, and she was considering whether to confront Qi Tongwei about it.

Qi Tongwei was incredibly clever.

Seeing Zhao Haiyan's evasive expression and hesitant manner, he instantly guessed what was going on.

In his past life, he had handled numerous loans for the Shanshui Group, and he knew the ins and outs of the business inside and out.

He paused for a moment, put down his teacup, and slowly began to speak.

"Just tell me directly. What are their conditions? As long as they're not too unreasonable, we can discuss it."

When Zhao Haiyan heard Qi Tongwei say this, he gritted his teeth and decided to speak his mind.

"The city bank is deliberately holding back; they actually want benefits from it."

"First, we need to do predatory lending; out of three million, we only lend two hundred and seventy, leaving three hundred thousand to pay interest."

"The second one is even worse; they want a 3% commission... It's utterly lawless."

Zhao Haiyan felt much better after saying all that in one breath.

With a resolute expression, she looked up at Qi Tongwei, bracing herself for the storm to break.

But as soon as she looked up, she froze.

She saw that Qi Tongwei was smiling, and his smile was somewhat wicked.

That smile held a complex mix of wickedness, amusement, and disdain... in short, it was very complicated.

Qi Tongwei originally wanted to make some arrangements and take care of things.

But after hearing Zhao Haiyan's words, he completely gave up the idea.

The reason is simple: he got caught in the rain in his past life and knows what he absolutely shouldn't do.

Just like giving gifts, he would give Wang Quanyou local specialties and political achievements, but he would never give him money!

In the 90s, the credit business was extremely unregulated, and predatory lending was basically the norm.

The interest generated from the 300,000 yuan loan, plus the 3% rebate.

Ultimately, it all flows into the banks' slush funds; it's no exaggeration to say that the banks are rolling in money.

There was a saying back then: "Gold for banks, silver for taxation, bronze for industry and commerce, and iron for education."

This jingle gives us a glimpse into the situation.

Thinking of this, Qi Tongwei couldn't help but sneer.

He couldn't help but silently complain to himself.

Playing this game with me? In my past life, I was the ancestor of this game!

He smiled, took a sip of tea, and waved to Zhao Haiyan.

"Sister Zhao, come here. I have an idea for you..."

Zhao Haiyan, not understanding what was going on, moved closer to Qi Tongwei.

Qi Tongwei then leaned down and whispered something in her ear.

After Qi Tongwei finished speaking, Zhao Haiyan stood there with his mouth agape, unable to come to his senses for a long time.

She looked at Qi Tongwei's face and asked in a low voice, "This...can it work?"

Qi Tongwei answered with a straight face and a serious expression.

"Why not? Just do it my way! The county has approved a thousand yuan, find a young man."

"We need cadres, preferably from ethnic minorities... They need to be quick-witted and able to swallow their pride."

"Oh, and make sure he brings his work ID!"

Zhao Haiyan's expression was somewhat strange, his lips twitching slightly, as if he was suppressing a laugh.

She gave Qi Tongwei a deep look, nodded, and replied.

"Okay! We'll do as you say. I'll go arrange it right away..."

As Zhao Haiyan's figure gradually shrank, Qi Tongwei's lips curled into a cold smile.

He narrowed his eyes slightly and murmured aloud.

"If you do dirty things, don't blame me for being disgusting..."

In fact, Qi Tongwei had many ways to solve this problem.

He could complain to Wang Quanyou, or ask Baimaiti for help...

The worst-case scenario is that he could report the problem to the disciplinary inspection department.

But he didn't choose any of them; he just wanted to disgust Chen Yanfei, the president of the city bank!

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