Xie Xi was waiting outside the general manager's office with an extended loan contract.
People come and go in the office. Most of these people are company bosses who have financial difficulties. They are here to seek help, just like Xie Xi.
The Xie family has had financial difficulties before. Not only did many companies attack the Xie family and acquire their assets, but these banks also took advantage of the situation and even wanted to seize the Xie family's mansion.
So much so that Xie Shihao told the outside world that the Xie family was so poor that his precious daughter could not even afford a decent dowry when she got married, which earned him deep sympathy from the Chinese class.
"Damn it! Without approval! It's almost going to bankrupt our companies!"
"This ghost banker is so shameless, he only wants to take advantage of the situation and rob!"
Two more loan applicants came out of the office cursing. Judging from their expressions, it was clear that their loan applications had failed.
Xie Xi began to feel a little uneasy inside, holding the approval application tightly in his hands.
"Don't have high hopes!" A company boss next to him who also came to approve the loan suddenly said to Xie Xi, "I have been here more than a dozen times, and every time there are many people sitting here, but I can get a loan approved by HSBC.
But there are very few, it can even be said that there are none!”
The company boss had a melancholy face and his brows were knitted together.
"My name is Madali, please meet me!"
The other party stretched out his hand towards Xie Xi. At this time, he urgently needed someone to talk to, and seeing how worried Xie Xi looked, he seemed like a good candidate.
Xie Xi shook hands with him and said, "Thank you."
"Your surname is Xie?" Madali was stunned for a moment, then suddenly said: "Is it the Xie family among the four major families?"
Xie Xi nodded.
Madali sighed, "Oh, it's true! Your Xie family used to be very powerful, and I've probably never done an audit like this before..."
Xie Xi nodded again.
Madali said in a sympathetic tone: "It's okay! This kind of thing happens again and again, I have done it several times! But to be honest, your Xie family is in decline now, and you may need to apply for a loan.
It seems that the rumors in the mall are true..."
Xie Xi smiled and said: "Our company did encounter some difficulties in terms of funds."
"Tsk, tsk, don't cover it up with words. What do you mean by some difficulties? I heard that your Xie family almost went bankrupt..." Madali directly opened the other party's scars and said, "Be more open-minded. In this world, things are changing. At least you are Xie."
The family has been glorious before, right?"
"What's more!" Ma Dali said in an old-fashioned tone, "I heard from the grapevine that many banks now regard you Xie family as broom stars. They think you are unlucky. Not only will they not approve loans for you, they will also pursue your debts.
--How pitiful!"
"Actually...it's not that serious." Xie Xi smiled awkwardly.
Madali curled his lips when he saw this: "I can tell it's true just by looking at your expression! Stop covering it up. The more you cover it up, the more fake it becomes!"
Xie Xi was even more embarrassed.
Madali found a sense of superiority from Xie Xi, "Look at someone like me. Although the company is not as big as your Xie family, I have a good reputation. Although I have applied for more than a dozen times but have not been approved, I still have a good reputation."
Don’t be discouraged, why do you know? Because I believe that relying on my character and the strength of our company, we can eventually get this batch of loans!”
After Madali said this, he stood up and looked solemnly, holding the application materials tightly: "My belief is - character can conquer everything!"
When everyone nearby heard Madali's impassioned words, they all applauded. They felt that Madali was an ambitious person and a person who could inspire others.
Xie Xi also applauded. He also felt that Madali was very powerful and very strong. At least he would be a strong opponent when it comes to approval.
really--
"Madali, Xie Xi! It's your turn to go in!"
"Let's go, my friend! You have to face what you have to face!" Madali patted Xie Xi on the shoulder very affectionately. For him, Xie Xi would be a foil later, or to be precise, a cannon fodder.
, then why doesn’t he act more generous?!
…
In the general manager's office, three HSBC senior executives sat together and were reviewing the loan information submitted by these company bosses like an interview.
Xie Xi sat uncomfortably on the chair opposite, like a prisoner being interrogated.
In contrast, Madaliko was much calmer and answered every question raised by the other party with a smile.
"Mr. Madali, we have read your information! Your answer also makes us very satisfied!"
Almost seven or eight minutes later, Mr. Hans, the newly appointed CEO of HSBC Bank, said to Madali with a smile.
Madali was ecstatic: "You mean my loan can be approved?"
"No! On the contrary, we cannot grant you the 10 million US dollars you applied for yet!"
"Why?" Madali was so anxious that he almost jumped out of his chair, "I am excellent in all aspects, but you don't give me a loan?"
"There are many specific reasons, but in the end there is only one that made us make such a decision!" Mr. Hans said.
"What is the reason? Can I know?" Madali said excitedly.
"Of course, if you want, you can sit down and wait for a few minutes!" Hans made a polite invitation gesture.
Madali had no choice but to endure the frustration, sit down and continue to wait to see what the cause was.
Soon, Mr. Hans looked at Xie Xi and said, "Mr. Xie Xi, right?"
"Yes, I am!" Xie Xi coughed, straightened his clothes, and was ready to answer any questions.
"congratulations!"
"Well?"
"Your loan application has been approved!"
"Well?"
Xie Xi was dumbfounded. He didn't expect the other party to be so straightforward. Without asking any questions, he just announced the result and approved the loan himself!
Next to him, Madali dropped his jaw and looked at Xie Xi with wide eyes, "How is it possible? His batch is blocked, but mine is stuck?"
In Madali's view, Xie Xi was just a cannon fodder for coming in with him to participate in the review, but he didn't expect that the other party succeeded now, and the guys from HSBC didn't even ask a question!
"This is unfair!" Madali couldn't help but said, "You didn't even ask him a question, but you directly approved him a loan. You asked me a lot of questions, but you rejected my application!"
Hans and his two companions looked at each other, and then Hans said to Madali: "Sorry, Mr. Madali, this is a bank, not a vegetable market. You don't need to shout so loudly! Besides, you don't want to know about us
Is there any reason for rejecting you? No, this is the reason!"
After Hans finished speaking, he pointed to Xie Xi and applied for the loan amount: "The loan amount he applied for is 10 million US dollars like you! So, you understand, if there is his, there will be no yours -"
Madali almost fainted!
He never thought that he would be intercepted by Xie Xi!
Originally this loan was my own!
At this moment, Madali looked at Xie Xi who was still in a dazed state, and then he realized that the cannon fodder was him!
…
After the review was over and Madali left dejectedly, Xie Xi signed and pledged according to the bank's procedures and completed the final loan agreement.
Just as he expressed his thanks and turned to leave, he was stopped by Mr. Hans: "Mr. Xie Xijiu, please wait a moment!"
"Uh, what do you want, sir?" Xie Xi was very happy because he had completed the loan, and he even spoke with a sense of excitement.
Hans smiled and said: "Aren't you curious why our HSBC rejected Mr. Madali's loan application and allowed you to pass the approval?"
Xie Xi was stunned for a moment, "Isn't it because... I'm better than him?"
"Haha, what do you think?" Hans asked back, "Whether it's the information you submitted or the difficulties your Xie family is facing now, do you think you are stronger and better than that Mr. Madali?"
Xie Xi was asked and remained silent.
"To be precise..." Hans took out a cigarette and lit it. He looked up at Xie Xi and said, "He is better than you in every aspect!"
"Then why... why did you let me pass?" Xie Xi asked curiously.
"Then you have to thank your good brother-in-law!"
"You mean...Shi Zhijian?"
"That's right! That's Mr. Shi Zhijian!" Hans said with a smile, "Maybe you don't know that Mr. Shen Bi, the president of HSBC Bank, works under Mr. Shi!"
Boom!
This secret shocked Xie Xi to the point of his head exploding!
Who is Shen Bi?
HSBC is number one!
Once a top executive at HSBC in Hong Kong, he rose through the ranks and is now a boss at the HSBC headquarters, and is even known as a super tycoon in the financial industry!
Who would have thought that Shen Bi was actually Shi Zhijian's "little brother"?!
Seeing Xie Xi's surprised look, Hans didn't seem very surprised. Instead, he felt that these were all expected.
And Hans and others knew more clearly that Shen Bi's rapid rise to power at HSBC was inseparable from the support given by Shi Zhijian!
In other words, without Shi Zhijian, there would be no Shen Bi today!
Even Hans himself borrowed Shi Zhijian’s inspiration!
At first, the general manager here, Lu Kaiser, had evil intentions towards Xie Bingqian, and Shi Zhijian saw it, so Lu Kaiser was in trouble. Shi Zhijian called him, and Shen Bi fired Lu Kaiser directly!
Because of offending Shi Zhijian, Lu Kaise not only lost his precious position, but also had his debts collected for corruption and bribery in the bank, taking kickbacks and other issues, and was eventually arrested by the police!
After Lu Kaiser fell, Hans, who was the second in command, immediately took over. Therefore, it can be said that without Shi Zhijian taking action to deal with Lu Kaiser, Hans would not have been able to right himself and sit on the throne of general manager so quickly!
"Then now, Mr. Xie Xi -" Hans smiled and blew out a smoke ring, "If you insist on thanking us, then please help us say hello to Mr. Shi Zhijian!"
Hearing Hans's "sincere" request, Xie Xi, who was still in a state of surprise, woke up, moved his lips, and it took him a long time to say one word: "Okay!"
…
Here, Shi Zhijian hung up the call from Shen Bi.
Of course, Shen Bi's call was not because of a small matter like Xie Xi's loan of 10 million US dollars, but because Shi Zhijian's Shinhwa Investment Company had made a huge profit recently.
To be precise, before the oil crisis broke out in the Middle East, Shi Zhijian ordered Shen Bi to invest in oil there. Now, six months later, various profits have been withdrawn, and preliminary calculations amount to almost two billion US dollars.
Regarding the use of the money, Shen Bi and Saipan, another head of Shinhwa Investment, did not dare to make the decision, so they immediately called Shi Zhijian to seek his opinion.
In fact, Shen Bi and others have seen Shi Zhijian's strategizing in recent years. Shen Bi and others admire Shi Zhijian's divine predictions and horrifyingly accurate investments.
When Shi Zhijian received the call, he had already guessed what Shen Bi was going to do. Two billion U.S. dollars was not a small amount, and the interest earned just by depositing it in the bank would be enough for many people to live for several lifetimes. However, Shi Zhijian had no interest in depositing money in the bank.
For Shi Zhijian, what is in circulation is called money! Money is alive, not dead! Money can make money, and this is the highest state of making money!
So Shi Zhijian plans to use the two billion to do two things, to be precise, both are related to the future semiconductor industry.
First, Shi Zhijian asked Shen Bi to go to the United States in person to find a person named Steve Jobs, and try his best to help him, preferably by investing in the Apple company he was about to establish.
Shen Bi didn't know who this "Jobs" was. Shi Zhijian asking him to go to the United States was undoubtedly equivalent to finding a needle in a haystack.
Only Shi Zhijian clearly knew that Mr. "Jobs" would be a peerless genius who could rival the billionaire "Bill Gates" in the future.
Now Bill Gates has been taken over by Shi Zhijian, and he has founded Microsoft in the United States, and is on the right track by selling computers.
And this Steve Jobs is about to rise.
In his previous life, Steve Jobs was born in San Francisco, USA on February 24, 1955. He was abandoned by his parents just after he was born. Fortunately, Paul Jobs and Clara Jobs, a kind-hearted couple, adopted him. .
Jobs lived near the "Silicon Valley" in the United States, and his neighbors were employees of Hewlett-Packard. Under the influence of these people, Jobs became obsessed with electronics since he was a child. An HP engineer saw his obsession and recommended him to join HP's "Discoverers Club" ", this is a party specially organized for young engineers, held every Tuesday night in the company's restaurant. At a party, Jobs saw a computer for the first time, and he began to have a vague understanding of computers.
When he was in junior high school, Jobs met Steve Wozniak at a class reunion, and the two hit it off. Steve Wozniak was the president of the school's electronics club and was very interested in electronics. .
At the age of 19, Jobs only attended one semester before dropping out of school due to financial reasons and became an employee of Atari Video Game Console Company. He lived in the garage of Woz's family and often attended calligraphy classes and other courses at community colleges. 1974 In August of that year, during the hottest season in the South Asian subcontinent, he made a pilgrimage to India.
While Jobs was at work, he and Wozniak often worked on computers in their small garage. They dreamed of owning their own computer, but the ones on the market at the time were all commercial, bulky, and extremely expensive. , so they prepared to develop it themselves.
In 1976, they bought the 6502 chip at the Wisconsin Computer Products Show in San Francisco. With the 6502 chip, the two young men installed the first computer in the garage of Jobs' home.
In order to raise funds for mass production, Jobs sold his Volkswagen car, and Woz also sold his HP Model 65 calculator. In this way, they had $1,300.
On April 1, 1976, Jobs, Woz and Jobs' friend Ron Wayne signed a contract and decided to establish a computer company. Subsequently, 21-year-old Jobs and 26-year-old Steve Wozniak Apple was founded in his garage. The company was named Apple by Steve Jobs, and their self-made computer was posthumously dubbed the "Apple No. 1" computer.
Now in 1975, one year before Steve Jobs established Apple, Shi Zhijian decided to ask Shen Bi to go to the United States to find this unique genius. It would be best to get the original stock that he used to found Apple and become Apple's largest shareholder.
Of course, Shi Zhijian would not tell Shen Bi these secrets, and conversely, Shen Bi might not believe them even if he told them.
