Jiang Wentao? If I remember correctly, this role was played by Qiu Guan.

Although she is not a beauty, she is also a handsome guy, the twenty-year-old Qiu Guan is at the peak of his appearance, and Zhou Wenqiang really wants to see him.

But let Jiang Wentao be the secretary, no matter how you look at this position, it should be reserved for eye-catching beauties, with Jiang Wentao's qualifications, if he can pass his test, he can be his assistant to the chairman.

Half an hour later, Zhou Wenqiang met the future 'philistine' in the office of the chairman of Beiwang Company.

Seeing Jiang Wentao when he was young, Zhou Wenqiang finally understood why he was mercenary, only recognizing money and not people.

At this time, Jiang Wentao is completely the handsome and compelling appearance of Qiu Guan when he was young, especially those eyes, black and white, extremely smart, as if they will discharge, not to mention women, men are a little unbearable when they see it, and they always feel that he is secretly sending Qiu Bo.

His hair was neatly groomed, and the gray suit had faded slightly, but wearing his body still gave people an extremely comfortable feeling. Qiu Guan's figure has always been very good, so good that Zhou Wenqiang feels a little jealous.

It can be seen that this is a young man who is financially struggling, but he is very concerned about his own image and has endless ambitions for money and status.

For people like Jiang Wentao, Zhou Wenqiang has always liked it very much, because if there is ambition, there is weakness, and it is easier to control!

Now he is most worried about Jiang Wentao's ability. After all, the twenty-year-old Jiang Wentao is not the legendary figure who won consecutive battles in the court in the future, and is still in the growth stage that everyone must go through.

If the ability is insufficient, he will also be passed, and Qiu Guan will have no face.

"You're Wen Tao, right? I heard that the lard boy said you, you are really a very energetic young man, please sit down, no restraint. ”

Zhou Wenqiang smiled and pointed to the chair opposite the desk.

"Thank you, Mr. Zhou."

Zhou Wenqiang's age is actually half a year younger than Jiang Wentao, but this 'young man' came out of his mouth, but there was nothing wrong with it, and even Jiang Wentao himself took it for granted.

Now Zhou Wenqiang is simply a legend and a popular idol among the young people in Hong Kong and Kowloon in their twenties, and if some of his deeds are written into biographies, Jiang Wentao will not hesitate to buy them and then treasure them.

Being able to see Zhou Wenqiang today, Jiang Wentao's excited heartbeat exceeded a hundred beats, and he had to control himself desperately so that he would not lose his temper.

"I heard that Lard Boy said that you, a prodigy in the legal profession, graduated from college at the age of nineteen, and obtained a solicitor's license in just one year......"

Zhou Wenqiang smiled: "Undoubtedly, you are very good." But I want to know more, what are the plans for a talented person like you in the future? Do you continue to be a solicitor, or do you want to be a solicitor who depends on the solicitor's food? ”

"I ......"

Jiang Wentao didn't know how to answer for a while.

His dream was, of course, to be a barrister, but with his qualifications and connections, it would be very difficult to be a barrister.

This has nothing to do with ability, and the legal profession on Hong Kong Island also pays attention to seniority, and the parties will not ask him to appear in court because of his name as a 'legal prodigy', after all, no one will believe in a young man with no hair.

I chose to be a solicitor because I could have a stable income, but this income was very meager, and in this day and age, not even a skilled worker could earn much.

It's okay to boil up qualifications, but even with his talent, it will take about five years to have a small success, Jiang Wentao is not a person who likes to wait, you know from his resume that he has never wasted time waiting from childhood to college.

Zhou Wenqiang is undoubtedly his shortcut to the south, which is also the purpose of his coming today.

"If you don't talk about legal ideals and keep clean and poor in front of me, it means that you are really a smart person......

Zhou Wenqiang saw through his mind at a glance and smiled: "I like smart people like you." Therefore, I can tell you straight to the point that Beiwang Company is in great need of talents, and ...... The position of assistant to the chairman is still vacant. ”

"It's like a ripe peach, young man, do you have what it takes to pluck him?"

Jiang Wentao's breathing suddenly became rapid, raised his head, and stared at Zhou Wenqiang seriously: "I came to see Mr. Zhou today with two goals. The first is to pick the peaches that belong to me, and the second is to help Beiwang Company pick bigger and sweeter peaches one after another! ”

"Mr. Zhou, with all due respect, Beiwang Company needs talents like me very much, otherwise you will lose unimaginable benefits. Your subordinates can't help you, only me, Jiang Wentao, can help you! ”

"Hehe, it's not a small tone."

Zhou Wenqiang took out two Hardmen, lit one himself, and threw one to Jiang Wentao: "It's useless to just talk big, I want to see your strength." ”

"Now, there's a case, and I'd like to hear from you. Beiwang needs to further expand its development, and I need a large amount of capital, so I am ready to apply for a loan from the bank, and the target bank is Hang Seng at the moment. ”

"How do you think this money should be loaned, what kind of plan should be made, and then how to negotiate with Hang Seng Bank? You know, I don't want to use the fixed loan contract of Hang Seng Bank, which is not suitable for Beiwang Company. ”

"Wen Tao, if I hand over this case to you, how far can you do it without breaking the law or violating the law? The condition is: I must get the maximum benefit from the loan process! ”

After speaking, he gently spit out two smoke rings and waited for Jiang Wentao's answer.

Jiang Wentao only thought about it for less than ten seconds, and then replied: "Mr. Zhou directly locked the target bank as Hang Seng, which shows that the relationship with Hang Seng Bank is not ordinary, I guess you or Beiwang Company should be a big customer of Hang Seng, right?" Otherwise, you won't be able to explain why you don't choose the stronger HSBC. ”

Zhou Wenqiang nodded: "Guess right, keep talking." ”

"If this is the case, the two sides have the basis for 'deep' cooperation......"

Jiang Wentao subconsciously leaned back, which was a manifestation of his relaxation behind his chest: "Hang Seng Bank should be called 'Hang Seng Yin' strictly speaking, and its business volume is not as good as that of a real commercial bank. ”

"However, since the major shareholder Li Guangwei was invited to join, Hang Seng has established good relationships with established banks such as HSBC and Chase because of its control over overseas gold trading, so even in the ancestral land of the United Kingdom, it has a high rating of the bank."

"At the same time, because it is still a silver account, Hang Seng is currently in a period of rapid development, and their business model is very flexible, which is easier to adapt than those established banks. Mr. Zhou's choice to take out a loan from Hang Seng is really unique. ”

"Huh?"

Zhou Wenqiang glanced at Jiang Wentao deeply, worthy of being a legend in the future, although he is still only a small lawyer, he will know so much about the banking industry, and when it comes to Hang Sheng, it seems that he really underestimates him.

Jiang Wentao continued: "I don't know how much Mr. Zhou is ready to borrow, and how much loan interest is he ready to pay to Hang Seng? ”

"Well, with the strength of Beiwang Company, it shouldn't be a problem to borrow one million, and as for the interest, of course, the lower the better."

Zhou Wenqiang thought for a while and said: "The current economic environment is not very good, and Hong Kong and Kowloon are even tighter, and the loan interest rate on the market is generally about 10%. But since this case has been handed over to you, I would certainly like to hear a more satisfactory figure. ”

"A million...... This is not a small amount, and it is a huge amount of money for the current Hang Seng Silver Account. ”

Jiang Wentao said with a smile: "However, I am confident that through financial operations, the loan interest rate can be reduced to 8% or even lower." ”

thought that after he said this, Zhou Wenqiang would be surprised, Jiang Wentao was also ready, he would explain it to the future boss very calmly, so that he was surprised by himself, but he didn't expect Zhou Wenqiang to just smile faintly: "Sounds good, tell me your specific thoughts." ”

Although Jiang Wentao was a little disappointed, he still patiently explained: "We first have to sign a loan contract with Hang Seng Yin, and agree on the contract interest rate of 10%, and then Hang Seng Bank will lend us this million...... Next ......"

"Next, Hang Seng Silver can transfer the debt to a third party in accordance with the provisions of English law on the assignment of the creditor's rights for a principal amount of one million plus interest on the loan."

"The person who buys this debt can be the British, the lighthouse country, or the neon country, they only need to pay 105000000 or 106000 Hong Kong dollars to buy a 1.1 million creditor's right, but only after the agreed time expires, can they claim the creditor's ...... from us."

Zhou Wenqiang flicked off the cigarette ash and said: "Take the sale of 1.06 million claims as an example, the 1 million loaned by Hang Seng Bank was quickly recovered from the third-party buyers of the creditors, and they did not have any risk, while we obtained a loan of 1 million."

With the extra 60,000 yuan in loan interest, even if we and Hang Seng Bank each get 30,000 yuan, we will be able to get a loan at a loan interest rate of 7% that is much lower than the market interest rate. And the overall operation is not illegal and unlawful, and there are British laws as a guarantee. ”

"If we go further, we can also lend this million again to a debtor with a bank guarantee, directly obtain the creditor's rights, and then sell our creditor's rights through Hang Seng Bank, just by earning the difference in the loan, we will make a profit of at least one or two hundred thousand yuan each time, and in principle, we can operate unlimitedly."

"This is because our fundamentals are excellent: first, the company's excellent assets can reassure any bank and third-party buyers, and second, the special nature of Hang Seng Silver and their credit endorsement in the international gold market. Wen Tao, what I said is not wrong, right? ”

"Mr. Zhou, you are bolder than my idea......"

Jiang Wentao was stunned.

He just thought of reducing the loan interest rate through a series of financial operations, where did he think that Zhou Wenqiang was even more fierce and directly came up with a 'infinite nesting doll' financial model?

It's not that he lacks ability, but because his courage and courage are not as strong as Zhou Wenqiang, so he doesn't think about this aspect.

I lose! According to Mr. Zhou's thinking, this is really faster than grabbing money!

"Bold is bold, but this is only theoretically operable, if you really play like this, not to mention whether Hengsheng has the courage to do it, what Beiwang wants to overdraft is his own credit ......"

"So I'm not going to play finance like this, because what Beiwang has always wanted to do is industry, and only industry is the most reliable and real wealth!"

No matter how deep it is, Zhou Wenqiang hasn't said it yet.

Because even if he said it, Jiang Wentao, who was limited by the times, would never understand how terrible the 'subprime mortgage crisis' was, if everyone learned to play like this, once it caused a financial turmoil, they didn't know how many people would die, and it might even cause a war!

"Okay Wen Tao, you have passed my test, you will be my temporary assistant from today onwards, and in a month, you will most likely become my official assistant."

Zhou Wenqiang smiled and stretched out his hand to Jiang Wentao and said, "I believe that one month is enough for me to see you clearly, and it is enough for you to carefully consider whether you want to stay in Beiwang." When you officially become my assistant, you will be the 'master Jiang' of Beiwang Company! ”

"Thank you, Mr. Zhou!"

Jiang Wentao has secretly made up his mind that he must stay in Beiwang Company and be the 'master Jiang' of Beiwang Company!