Chapter 26

After leaving the warehouse, the people around Su Tianrui immediately said: "Brother Rui, how about we finalize the contract today? What if the other party's father comes over and refuses to accept the debt?"

He didn't say anything. After that, I was hit on the head.

Su Tianrui rolled up the contract and said angrily: "You boss, why am I lying to a child here?"

"But who in the right mind would spend 30,000 yuan to buy such a pile of scrap metal?"

This was not deliberately used by the young master to humiliate the third young master. ? Who would have thought it could actually be sold?

"Others call it rags, but you really call this pile of things rags?" Su Tianrui patted the contract, "Can a child write such a contract?"

Su Tianrui spread the contract out again, couldn't help but smile, and said: " These little guys are a bit interesting."

...

After successfully signing the contract, Lin Wei added another item to her daily life.

She got up at seven in the morning, had dinner, and the two younger ones went to school. She went to the warehouse to repair electrical appliances. She was not the only one. She also interviewed two electricians and two apprentices, and spent a few thousand yuan to buy some professional equipment. repair tools.

She stayed in the warehouse all day, and had lunch nearby. In the evening, when her sister was about to finish school, she went to school to pick her up and take her home with her.

When Professor Sun comes back from get off work, he will give her and Song Ye tutoring lessons.

The same goes for Song Ye. He leaves early and comes home late, not knowing what he is busy with.

It was definitely not enough to study in the evening. She worked with two electricians for a few days and taught them how to deal with some common problems. She did not do it herself much. On the contrary, Sun Muyin was very interested in these. Once I stay in the warehouse, I don’t want to leave.

Seeing that she liked it, Lin Wei asked Sun Boran if he could borrow some mechanical engineering books from the library of the University of Hong Kong. As a result, Sun Boran brought a huge mechanical reference book. It was scary, but Sun Muyin liked it very much and kept it in his hand every day. .

Lin Wei didn't understand things about other people's geniuses. Normal people would find it outrageous anyway.

Lin Wei moved a place in the warehouse to review middle school textbooks, do papers and so on. Only when the maintenance electrician couldn't solve the problem, she would leave in person, and the electrician and apprentices would study by the way.

Lin Wei gave her a lot of money and didn't hide anything, so the two electricians worked very hard.

If they hadn't seen it with their own eyes, it would have been hard for them to imagine that such a little girl had such a high level of electrical repair skills and solid skills. Although she was not very skilled in techniques, she had a flexible mind and often came up with words they didn't understand.

Sometimes, when they were taking a break from working, they would look up and see Lin Wei in the corner, holding a pen and thinking hard, and then they would feel that she was just a little girl.

With a certain amount of repaired electrical appliances, Lin Wei asked for the Hengsheng manager's phone number from Sun Boran and made an appointment with him.

Yang Bingrong set the location at Hang Seng Building, which is the headquarters base. It is a 22-story building in Central. In a way, this building also reflects Hang Seng's wealth. Hang Seng's business volume is not to mention in the Hong Kong city. It is unparalleled and leaves all banks except HSBC far behind.

Compared with foreign banks that shut out small and medium-sized enterprises and ordinary people, Hang Seng has a wider business coverage and more warm and considerate services, which directly shakes HSBC's monopoly position in Hong Kong. Compared with Hang Seng, HSBC has the right to issue banknotes and perform the functions of the central bank. Lin Wei could imagine HSBC's fear of Hang Seng as it was a large bank with the right time and place.

"I'm sorry, Manager Yang suddenly has an important meeting. Can you two wait here for a while?" The staff brought two cups of tea and snacks to her and Song Ye.

They are now in the VIP hall on the fifth floor. The environment is very good. There is light music playing in the hall. There are not so many people downstairs, so it is very quiet.

Lin Wei smiled back: "It's okay, we'll wait here for a while, and you can go and do your work."

Her voice was clear and her smile was sweet, which made the staff feel warm in their hearts, and they brought her many candies and snacks.

When Lin Wei turned around, she found that Song Ye had already started eating snacks.

Speaking of which, Song Ye has always had a good appetite, but he looks thin and not very tall. If he could be 1.8 meters tall, celebrities would not be as good-looking as him, but his temperament is earthy and naive, and he is obviously quite smart. But it always feels like the response is a little slow.

Lin Wei pushed the dessert plate in front of him.

The diary kept saying that Song Ye's stomach was not good, and he often suffered from pain and sweating. She didn't know the final cause of Song Ye's death, but she guessed it might be gastric cancer. It

was probably her previous life that dragged him down, the one who only knew how to complain and cry. , it’s a burden wherever you put it.

Why do people who are obviously good now have stomachaches all the time?

Let's take everyone for a physical examination when we have time. The little fat guy looks like he's not sick either.

Calculating it this way, she was the only one who died in glory and wealth in her previous life.

Forget it if she didn't know before, now she won't let anyone make the same mistake again.

Today Lin Wei wants to try to see if she can rewrite history.

"Do you want to eat?" Seeing that she kept looking at him, Song Ye gave her a biscuit.

"I won't eat it, so don't eat too much. It's all carbohydrates and has no nutrition. I'll make meatloaf tonight, so you can save some for your stomach."

After hearing what Lin Wei said, Song Ye looked at the remaining snacks hesitantly. , I couldn’t make up my mind for a moment, I was very reluctant to let go, I felt a bit like a child.

Lin Wei smiled when she saw this, her beautiful smiling eyes blooming like apricot blossoms: "You can pack it back and make snacks. Just don't spoil it. If you can't eat it, give it to your sister and the little fat man."

The mainland is too bitter, and I often feel hungry. After a full meal, Song Ye probably couldn't adapt to the sudden change in life.

How do poor people know what carbs are and what is not? The goal is to be full.

Song Ye raised his head and met Lin Wei's smile. The girl's eyes were very bright and crystal clear, washed away by the gentleness of water. He was stunned, put down the biscuit, and suddenly changed the topic: "Hang Seng's current loan business is actually It's stopped."

Lin Wei said "Hmm" and then said, "You don't have confidence in me?"

She glanced at the people sitting in twos and threes around the hall, took a deep breath, and suddenly felt proud. Yundi said: "Not only can I get a loan today, but I can also get other people to successfully get a loan."

She didn't believe it!

"Little girl, can I sit here?"

Lin Wei was bragging when a voice interrupted her.

ah?

Lin Wei looked at the old man parked next to her, then glanced at the empty seats around her. She was stunned for two seconds, and finally moved the chair to make more space for the old man: "Grandpa, please sit down."

The old man leaned on Cane sat down: "I'm sorry, girl, I just heard that you can get a loan, so I wanted to inquire. I heard that Hang Seng is very strict in loan approval now. Do you have any internal connections?"

Lin Wei blinked. : "Grandpa, you also want a loan?"

The old man waved his hand: "I don't want a loan. I want to withdraw money, but the children at home won't let me. I feel a little panicked, so I can't help but come over. I understand the reason, but What if the money you have saved all your life is really discounted? The children did not listen to the advice and said that the interest rate offered by Hang Seng was high. "

Lin Wei nodded: "You are right to think so. Sooner or later, Hang Seng will explode. You have to. Take out the money quickly, otherwise at your age, you will be frightened no matter how long you wait in line. Money is a trivial matter, what should you do if you are sick? "

Ah?

The old man's mouth was half open, and it took him a long time to say: "Is it that serious?"

Lin Wei nodded affirmatively: "As far as I know, many depositors of Mingde and Guangdong Trust have not yet received their money. This is a situation that may happen at any time." If you believe me, Hang Seng will explode whenever a large number of customers come to the Hong Kong Government to petition."

The old man was shocked: "That means, if I don't withdraw the money now, I will. Lost all your money?"

"That's not true," Lin Wei crossed her legs and put one hand on her knees, saying seriously, "I'm afraid that you will be scared when the time comes. Heng Sheng will be dead. , isn’t there an HSBC waiting to eat the cake? When HSBC annexes Hang Seng, the money will still be yours, so your children are right, don’t worry, the boat will go straight to the bridge.”

The old man looked at Lin Wei . , did not feel relieved because of her words, and after a while, she asked again: "But given the current situation of Hang Seng, can you successfully get the loan?"

Lin Wei lowered his head and coughed, suppressing the urge to With a smile on her face, she raised her head and said solemnly: "This is a secret, I can't tell you."

She was always serious, but as she spoke, her feet swayed, and she was extremely shy.

He Xin looked at the girl in front of him and didn't know what to say for a moment. Is this really Aying's granddaughter?

The person at the bank just pointed out this beautiful girl to him and said that this is the person he is looking for.

The little girl was dressed very conspicuously. She wore a white suit jacket with the cuffs rolled up to her arms. She was dressed in a smart outfit. Her long hair was half tied up, revealing her beautiful face. Her glasses covered her large, clear and bright eyes. She was smiling. Be confident and flamboyant.

The long-lasting memory was suddenly brought out. He Xin smiled, but his eyes felt a little warm for no reason. In fact, it was not like that. The eldest lady would not laugh like this, but it might be a psychological effect. Knowing that the other party was the descendant of the eldest lady, there were some uncontrollable emotions. It came to my heart.

But when they met, the emotion was completely extinguished by the other person's exaggerated expressions and movements.

No matter how you look at her, she is a girl who likes to talk big, and is neither humble nor low-key.

But you can't say that what she said is unreasonable. Every point she made is correct, and her thinking and logic are correct.

Except for the middle-aged people who were talking about drinking water at the wine table, he rarely saw anyone predicting the future with such confidence.

"You're right. It's rare to have such insight at such a young age. I wonder if any of the elders in the family are engaged in business? Is it a matter of family education?" After a while, He Xin asked again.

Lin Wei shook his head: "That's not true. The elders in my family are all scholars. I am considered a deviant. If they knew, they would definitely scold me for not doing my job properly."

He Xin sighed lightly.

Yang Bingrong was late at the moment. He said to Lin Wei and Song Ye: "I'm sorry, please come with me to the reception room."

He glanced at Mr. He from the corner of his eye and didn't understand why we chatted for so long. Why don't you just say it?

Could it be that there was a mistake with the wrong person? This person is not a descendant of Lin Heying?

"Ah, Manager Yang, I'll be fine if I wait for a while. Can you get the money for this old man first? You can't make an old man frightened."

Yang Bingrong & He Xin: "..."

He Xinfu Holding a cane, he smiled: "It's okay, I'm not in a hurry, you guys can chat."

He looked at Yang Bingrong, and I went to the next door for a walk: "It's a big deal for a girl to get a loan. Listen carefully, talk carefully, and tighten the loan." The business treats the symptoms but not the root cause. As a result, the ability to absorb savings is lost, and the lending business is lost, which makes people panic. That is the big problem. "

Yang Bingrong bowed: "You are right."

Lin Wei has already accepted it. He looked at the other party thoughtfully and followed Yang Bingrong to the reception room.

When she left, she met Song Ye's eyes, and she winked. The other party looked at her and nodded gently.

The boss, He Xin, is extremely low-key and rarely appears in newspapers, but if you are willing, you can find photos. Many people came to look for this run on Chinese banks. Lin Wei was naturally curious about such a person with the function of "Warren Buffett". She also showed the photo to Song Ye, because she felt that the other person's nose looked very similar to Song Ye's, with a nice nose bridge, and she also said that this man must have been a handsome guy when he was young.

She was a little surprised just now, so she tested the old man's purpose. Under normal circumstances, the less scheming a person is, the more clichéd they are, and the easier it is to close the distance. Who knows, halfway through, the other person will suddenly stop talking, and they are not curious about her "secret", so they don't ask any questions.

In fact, it wasn't that He Xin wasn't curious, he was too curious, so he asked Yang Bingrong to come over quickly.

Lin Wei and Yang Bingrong were talking there, and he was listening in the guest room next door.

If you are talking big words, you will know after hearing it.

No one can scare him yet. If this girl really has the ability to convince Yang Bingrong and get a loan, then it won't be that important whether she is a descendant of the eldest lady.

But he didn't know that Lin Wei was trying to do more today.

Lin Wei gave the information to Yang Bingrong, "There are already some repaired freezers. We will repaint and renovate them later. If they are sold again, the price will be more than 1,000 yuan, and we will be responsible for the after-sales service within six months." She said that she handed over some of the information To the other two bank staff, "There are 324 freezers, 212 TVs, 34 air conditioners, and 79 radios. The condition, production date, and electrical brand are all clearly marked."

"Ms. Lin can confirm that these electrical appliances are Can they all be repaired?" The bank staff across the street asked first.

"More than eighty percent," Lin Wei adjusted her flat glasses. She specially wore glasses today just to make herself more mature. She smiled and said, "There are also things that cannot be repaired. You can disassemble the parts and use them for repair." As you know about other electrical appliances, there are only one brand of electrical appliances now, so some parts are universal. The key is the experience and technology of the master, how to troubleshoot faults. "

"Can I ask how much Miss Lin paid for these appliances?" Yang Bingrong asked.

Lin Wei raised her eyebrows slightly, "Well..." She smiled warmly, "The key is not how much I spend, but whether Hang Seng can make money in cooperation with me. The so-called win-win cooperation, we need Get what you want from each other, and I am proving this to you at this moment."

Yang Bingrong looked at the clear mortgage information in his hand, with photos attached.

It is indeed an impeccable mortgage loan project, and it was indeed no problem in the past.

Yang Bingrong put down the information, sighed, and said: "Ms. Lin, let me be blunt. Now the loan business is tightening. Today's Hang Seng's main business is focused on absorbing deposits, so this loan may have to be put on hold for a while. It will have to wait until Only when the policy improves will we have the opportunity to cooperate. You can try to go to foreign banks."

That's what he said, but he also knew that foreign banks are not easy to deal with. They have many requirements and restrictions. They usually deal with enterprises, and they usually don't. Apply for a personal loan.

Lin Wei nodded slightly, without showing too much disappointment on his face, but picked up the cup and took a sip of water.

Song Ye sat next to her with a packet of information and didn't say anything. One of them was dressed professionally and fashionably, and the other was rustic. They didn't look like people who could sit together.

"Ms. Lin, I'm really sorry..."

Lin Wei put down the cup, exhaled, and said, "You don't have to feel sorry. This is actually no loss to me, because I can definitely pay back the money slowly, even if it's a repair." Selling one unit in Taiwan is just a longer cycle. It doesn’t have much impact on how much I should earn, but Manager Yang——"

She raised her eyes to look at the other party and asked slowly: "You can also be like me. Is this possible? Can Hengsheng do it?"

Yang Bingrong couldn't help but be stunned.

"If I am short of money now, I will be very panicked at this moment. I will rush to make a guarantee to you that I am willing to pay higher interest and mortgage more items in exchange for an unsatisfactory loan amount to tide over the current lack of money. Crisis."

Yang Bingrong was confused by Lin Wei's words, but he seemed to feel that the other party had some intention. He didn't know why he felt this ridiculous.

As a seventeen-year-old girl, does she really know the situation Hengsheng is facing now?

Lin Wei said in a calm tone: "I am not panicking or urgent now because I know that people cannot borrow money when they are short of money. I borrow money now because I want to prepare for when I am short of money in the future and avoid cutting my flesh in the future. Survive."

Yang Bingrong glanced at his colleagues who were thoughtful, and then looked at Lin Wei: "I wonder if Miss Lin can explain it in more detail?"

Lin Wei curled her thin lips and said, "That's how people are. , the same is true for companies. If you raise funds when you are short of money, others will raise the price. They may even want to take away your 100 yuan thing for 1 yuan. They are like robbers, but they act like I I am trying to help you as a savior. At that time, you will have to make a decision and endure the pain of tearing out your heart and flesh."

She looked at the other party and said slowly: "Hang Seng doesn't even dare to approve a loan of hundreds of thousands. The situation is already there. "No, if you don't make any plans at this time, will you be forced to transfer control of the company when the situation gets worse?"

Yang Bingrong's heart tightened, "Ms. Lin is referring to borrowing money..." He gritted his teeth and endured the shame and said, "I hope Ms. Lin can make it clearer. In fact, even if we borrow money now, we will still be unable to escape if we encounter an uncontrolled run."

Hang Seng is not short of money. It's about the large-scale liquidation that may be caused by rumors. They tried their best and couldn't come up with any useful countermeasures.

"Borrowing money should also be divided into objects. Corporate financing not only raises money, but also the other party's connections, resources and reputation. Since the public now does not trust Chinese banks, should we find ways to establish a relationship between Hang Seng and foreign banks? "What?"

Yang Bingrong's eyes suddenly lit up: "You mean-"

Lin Wei continued: "If Standard Chartered, Citigroup, Chase or even HSBC receive funds from these foreign banks, will it be different?" Although she? I don't agree with the cooperation between Hang Seng, HSBC and Chase. Once such big banks take shares, they will always think about annexing them. But it goes without saying that it is so clear that they need to calculate the gains and losses themselves.

Yang Bingrong hesitated: "But at this time, they will still raise the price."

"You have something worth 100 yuan. When the situation is bad, your assets can only be sold at a discount of 50 yuan, and you lose half of it. It is really not cost-effective. You can wait. When you explode, he dares to spend one dollar to buy it. This is called real bidding. Of course... you can also bet," she looked at the other party and said in a low voice, "Bet that the situation can improve, and your assets can Return to the value of 100. If this is the case, you will be lucky and will not lose a penny. But - are you sure that the situation will improve? Will those depositors who have not received their money and those foreign banks who are eyeing it? Let Hengsheng go?"

Yang Bingrong was silent, he was also thinking about this issue.

The bank staff opposite said: "...but if we raise funds at this time, will anyone say that Hang Seng has cash flow problems?"

"Aren't you afraid of others saying that you are tightening loans?" Lin Wei looked at the other person, "The bank's model is the largest The purpose of absorbing idle funds from society to the maximum extent is to go public. What kind of companies will go public? They must be companies with great development potential... As the largest Chinese-owned bank in Hong Kong, a big bank that can shake the monopoly of HSBC can actually do so. It’s very surprising that it hasn’t been listed yet.”

Nowadays, there is no information circulation and there is no Internet. Lin Wei spent some time to understand the equity structure of Hang Seng and wanted to see the other party’s financial report. She found that Hang Seng was not listed, which was a bit surprising to her. Unexpectedly, she wanted to study the current securities market in Hong Kong City when she had time.

Yang Bingrong's throat rolled a few times: "Listing..."

"Listing can raise funds from the public to strengthen its own strength. Hang Seng should start preparing now. It is the most normal operation to conduct moderate financing and transfer a small part of equity before listing. As long as the bank's own absolute control is guaranteed, Hang Seng, which has attracted foreign investment, and Hang Seng, which is about to be listed, are double insurances that complement each other and can greatly boost Hang Seng's market confidence. "

Bang -

Congratulations in the guest room next door . The new tea bowl fell on the coffee table.

He looked at the other side with an extremely complicated expression.