Wanshui Qianchao

Wanchuan County is a small southern city embedded at the junction of hills and plains. Wanshui River turns a corner from the west of the city, gently separating the old county seat from the new development zone. The largest financial institution by the river is Wanshui Rural Commercial Bank - it serves more than 70% of farmers, small businesses and individual industrial and commercial households in the county, and also handles most of the accounts of local finance and urban investment. The protagonist of this book, Lu Yuanzhou, graduated from the School of Finance in 2009 and entered Wanshui Rural Commercial Bank. He started at the counter at the lowest level, worked in remote branches and urban branches, and became the head of the branch. In 2025, due to unfinished loan tasks and non-performing control, he was sent back to the county bank to work as a clerk. In the autumn of 2026, the new core system was launched, and an interest difference that was made out of thin air dragged this "former branch president in trouble" back into the deep waters of numbers. This is a novel about "account". There are numbers in the account, but behind the numbers are people, and behind the people are decades of county relationships and wrinkles of the times. It writes about the struggles of a rural credit institution in the era of declining interest rates.