Chapter 003: Ubiquitous Difficulties

Moreover, although he claimed to have a substantial sum of 150,000 at his disposal, his savings card had already been confiscated by his cousin, Fu Mingting. Therefore, he could only transfer the funds from the savings card to the securities account by means of a third-party fund custody arrangement.

At 8:30, the main gate of the bank was opened on time

Upon seeing someone enter, the staff at the counter did not even lift their heads. When Zhengyi completed the account opening application form and approached for processing, the female clerk in charge of account opening casually explained that it now takes three working days to receive the transaction card for trading.

It is not feasible; staying here in distress is not a solution. Ultimately, one must first go to the securities company to open an account before proceeding.

However, the stock market has been declining for eighteen consecutive months. The female clerk responsible for account opening has actually long since wanted to leave this job. In a rational discussion, she could not compete with Fu Zhengyi, who had previously worked at a securities company for a period of time. Therefore, in the end, unable to argue any further, she simply stood up and declared that she was quitting, picked up her bag, and left the counter, leaving him standing outside the window.

It is nearly 10 o'clock, and the temperature has risen to the point where the asphalt road has become soft

Regarding the new type of sales company, I know very little, but Fu Mingting is aware that her third uncle and aunt borrowed money in preparation for a career change. Therefore, upon hearing Fu Zhengyi's well-reasoned arguments, she found herself somewhat perplexed

The plan he devised last night was, first and foremost, to transfer this sum of money out of the account to avoid being swallowed up by that fraudulent company in Yun Province

Since it was not a withdrawal, the initial teller did not notice anything unusual

After listening to Fu Zhengyi explain the circumstances, the young man named Yin Chengjun repeatedly apologized. He accompanied Fu Zhengyi downstairs and completed all the procedures for opening the account. However, he also mentioned that it was indeed impossible to obtain the trading card immediately, as the stock market was not performing well and there had been no new account openings during this period. Therefore, the company was out of stock on trading cards and would have to wait for some to be transferred from the headquarters in Jinling before they could be used

This cousin from the second uncle's family had a fairly good relationship with Fu Zhengyi in his previous life, and she was quite easy to talk to. Therefore, Fu Zhengyi explained the situation briefly. In response to why he knew that this sum of money would be completely lost once it entered the company, he used the excuse that a similar incident had occurred in a classmate's family to deflect the question.

He really forgot that his cousin from his second uncle's family works here

Do not explain it to me any further; if you can have me sign the agreement immediately, then we can proceed; if not, then everything is off the table

I wanted to discuss with the female clerk inside whether it could be completed in one day, but the response I received was a big roll of the eyes, along with being immediately handed back the account opening application form.

Upon seeing Fu Mingting, who was dressed in the lobby manager's uniform and appeared at the counter, Fu Zhengyi's expression completely fell.

Three working days? That means the time will extend to next Tuesday, which will cause a delay!

Uncle San has a bad temper, and Aunt San also retired due to health issues and is staying at home. If what Fu Zhengyi said is true, then it could indeed recover the losses. However, if he is wrong, Uncle San and Aunt San, who have already arrived in Yun Province, will be in trouble

No matter how bitterly one speaks or how emotionally one expresses oneself, Fu Zhengyi, who lies without batting an eye, ultimately persuaded the hesitant Fu Mingting to relent. Although there were notes in the bank's backend regarding this account, Fu Mingting, utilizing her authority as the lobby manager, proceeded with the transaction. However, she still felt a bit uneasy about this cousin, so she kept a watchful eye and confiscated the savings card that had transferred a substantial sum of 150,000. As a result, Fu Zhengyi would be unable to withdraw this money. In the event that their uncle and aunt became furious later on, at least her cousin had not used a single cent from it, making the situation easier to negotiate. Nevertheless, Fu Mingting, utilizing her authority as the lobby manager, proceeded with the transaction. However, she still felt a bit uneasy about this cousin, so she kept a watchful eye and confiscated the savings card that had transferred a substantial sum of 150,000. As a result, Fu Zhengyi would be unable to withdraw this money. In the event that their uncle and aunt became furious later on, at least her cousin had not used a single cent from it, making the situation easier to negotiate.

Although the market conditions are poor and he has just entered, the trading volume indicators are not set too high. However, by the end of the year, there is still a task volume of nearly 20 million.

After all, it is the bank personnel who are aware of these methods to prevent the loss of funds

After being lectured by Fu Mingting, Fu Zhengyi was ultimately escorted out of the bank by Fu Mingting

As long as you can assist me in finalizing the tripartite custody and transaction of funds before the market closes tomorrow afternoon, I can not only rent the large trading room here until the end of the year, but I also guarantee that my trading volume alone will be sufficient for you to fulfill the trading volume task assigned to you. What do you think?

What should I do

Fu Zhengyi's attitude instilled confidence in Yin Chengjun. After noting down Fu Zhengyi's home phone number, he patted his chest and promised, "Alright! I will immediately take the documents and run to the headquarters in Jinling to process them. I will definitely return today with the stamped documents!"

Taihua Securities, at this time, has not yet been acquired by a large joint-stock securities company. Furthermore, most of the staff here were drawn from the municipal finance department in the past two years to form this team. Therefore, this place not only exhibits the efficiency characteristic of state-owned enterprises but also displays a rare negative attitude found in the financial industry.

He had observed that during the account opening process just now, the middle-aged woman knitting nearby was indifferent to Yin Chengjun. Moreover, Yin Chengjun had a badge reading "Trainee Client Manager" pinned to his chest, clearly indicating that he was a newcomer who had just started and had not yet fully integrated into Taihua Securities as an intern

Yesterday, I went to the headquarters of the Hanzhou Commercial Bank, but I ran into my cousin Fu Zhengming and was unable to complete my business. Therefore, today he specifically chose a different location, fearing that he would be seen by Fu Zhengming again. Given Fu Zhengming's temperament, if he were to find out that he was thinking about making a transfer again, not only would he immediately confiscate the passbook, but he might even send him to the police station.

Fu Zhengyi, who entered with the person handling the matter, did not appear overly anxious. He waited for a moment in the third position and, before 9 o'clock, submitted his passbook, household registration book, and savings card at the counter

Even if he goes to a different branch to report the loss of his savings card, he will definitely not be able to access this money without going through two or three days of hassle

When he arrived at the securities company, Fu Zhengyi was delighted

Fu Zhengyi, who had previously worked as an order clerk at a securities company, immediately realized he had guessed correctly when he saw Yin Chengjun hesitating. He promptly expressed his willingness to sign a formal volume guarantee agreement with Yin Chengjun, stating that if the trading volume did not reach 20 million by the end of the year, he would willingly compensate the securities company for its losses

Last night, Fu Zhengyi meticulously recorded some significant events from his memory. With dark circles under his eyes, he arrived early at the Hehua Pond branch of the Hanzhou Commercial Bank, waiting for the bank to open.

The more I think about it, the more troubled I become; without money, even if the stock market soars to the heavens, it has nothing to do with me at all

Sister, if this matter cannot be resolved quickly, our family cannot bear the loss of 150,000 yuan. Just trust me this time! If you help me with this, the worst that will happen is that my parents will have made a trip for nothing, and when they return, they will just scold me a bit. But if what I say is true, you will have essentially saved our entire family...

Riding away from the bank, Fu Zhengyi bought a bottle of ice water and hid in the shade of a tree, feeling troubled

For his cousin's caution and good intentions, Fu Zhengyi can only express admiration

Holding the documents just signed by Fu Zhengyi, Yin Chengjun rushed out the door like a dog being chased, filling Fu Zhengyi with hope for tomorrow

Since the money has already been transferred to his account, the possibility of realizing his plan for wealth has now emerged

Moreover, since the headquarters of Taihua Securities is located in Jinling, even telephone orders require two working days to be processed. Ting Fuzhengyi is preparing to invest 150,000 in the market, and Yin Chengjun, who has recently entered the industry, is somewhat excited. He quickly mentions that the large account room is basically unused, and he can apply for a trial use for Ting Fuzhengyi. If he still wishes to use it after a week, only then will he need to pay the usage fee for the large account room.

In 1994, there was only one securities company named Taihua in Hanzhou City

However, now that the savings card has been confiscated, it has become difficult to withdraw this amount of money from the bank again

Hearing this, Yin Chengjun was stunned; once the agreement was signed, it would be a done deal. If the transaction volume was insufficient, the other party could forcibly deduct funds as long as there was money in their account. Such an agreement was established by Taihua Securities Company at the beginning of the year, but I have yet to hear of any client agreeing to it!

Although he believes that it is not difficult to make money with his eighteen years of reborn memories, if his parents were to be harmed because of this deception, Fu Zhengyi would feel that he could never be forgiven

Although Fu Zhengming's previous statement that "theft" is illegal was meant to intimidate, and even if he were indeed taken to the police station, Fu Zhengyi would not be afraid, the loss of time is something Fu Zhengyi truly cannot afford to bear

However, he had not yet found anyone, and instead was stopped at the entrance of the General Manager's Office by a young man wearing a uniform of Thai Hua Securities Company

She peered through the peephole in the inner room and saw her cousin Fu Zhengyi standing at the counter, which made her smile. Following the clerk, she walked into the counter area, tapped on the glass of the counter to get Fu Taiwen's attention, pointed to one side of the hall, and with a stern expression, circled out from behind the counter

Mr. Fu, generally speaking, a third-party authorization requires two working days. It is already approaching noon now, and even if you were to immediately go to the bank to activate it and return, it would still be unlikely for you to be able to trade by tomorrow

Although Yin Chengjun has made such a statement, Fu Zhengyi believes that there must be an unusual way of handling this matter

A monthly fee of one thousand yuan for a large apartment is indeed of little concern to Justice, but time is something he cannot afford to wait for

Fu Zhengyi, filled with indignation, immediately lost his temper

The stock market has been declining since February 1993, and now all investors have lost their temper. As a result, the trading hall of Taihua Securities Company is empty, with the stock trading machines not in operation. The phones used for placing orders are neatly arranged on a table against the wall. Although the large screen is on, it displays a dismal green. At the counter directly facing the entrance, apart from a few clerks handling transactions, there is not a single investor in sight.

What? Why is it so chaotic? After the confused Fu Mingtian asked the teller to repeat it, she finally understood the order of things

A trading volume of twenty million in six months; not to mention a capital of one hundred fifty thousand, even those who once had a capital strength of over one million would not dare to claim that it can be achieved under the current market conditions

As Fu Mingting sat down on one side of the lobby, he quickly seized the opportunity to speak. "Sister, let me first congratulate you on your promotion. But when will you be transferred here to be the lobby manager?"

However, while this eliminates the possibility of this sum being defrauded by a scam company, it also undermines the scheme for wealth that Zhengyi conceived last night

Manager Fu, a person named Fu Zhengyi came with his father Fu Taiwen's passbook and the household registration book, requesting to transfer the funds from his father's passbook to his card. However, this account has a note from your cousin Fu Zhengming at the head office, stating that if the funds in this account are requested to be transferred to Fu Zhengyi's name, he should be notified immediately

However, tomorrow is Friday, July 29. If he cannot transfer the funds into the stock market before 3 PM tomorrow, converting cash into stocks, then he will miss out on the most lucrative opportunity of the stock market surge that occurred in 1994.

On the morning of the 29th, the money in the passbook will become the absolute profit of that fraudulent company in Yunsheng. Therefore, for Fu Zhengyi, if he cannot transfer the money from the passbook today, everything will be ruined.

Yin Chengjun was taken aback upon hearing these words

July 28, Thursday

However, when the Thai account was opened, the bank clerk who saw the note immediately became alert. The female clerk who was handling the business for Fu Zhengyi did not show any signs of suspicion; she calmly stood up, said she needed to retrieve something, and went directly into the back room to find the person in charge of the business.

In the spacious yet extremely desolate lobby, only one-fifth of the lights were turned on, leaving just a middle-aged woman sitting inside, knitting a sweater, who was responsible for handling financial transactions. Remembering that Hu Yatong's father, Fu Zhengyi, worked here, she rushed upstairs in a fit of anger

Seeing that Fu Zhengyi was calm and unhurried, and still thinking about asking this question, Fu Mingting let out a sigh of relief. "Go ahead, what is the matter?"