Yang Shuyun only felt that her thinking was a little messy.

She originally owed Mr. Zhao a sum of money, and she had to pay a lot of interest every month.

Now that she has been cut off a waist, she has to help Mr. Zhao solve the problems caused by the delay in repayment.

And now, Mr. Zhao has approached her again and recommended a new service to her.

As long as you take a cell from your body, you can grow an organ of your own and grow a kidney again.

Then the kidney was transplanted back into her body, and she was able to live like a normal person.

It looks so wonderful.

There is just a small problem, the price of this service is a bit expensive.

It is necessary to pay 5 million US dollars, which is 40 million Hong Kong dollars.

But Yang Shuyun still owes 15 million Hong Kong dollars and has not repaid it, where is there 40 million Hong Kong dollars to buy this service.

To say that when she becomes a member of the Legislative Council for a few more years, she will be able to get so much money.

At the moment, there really isn't.

So Mr. Zhao provided Ms. Yang Shuyun with a loan plan, which only needs to borrow 5 million US dollars, you can enjoy the waist generated by the new technology, and you can also get a free transplant.

The interest rate of $5 million is only 7.5% per annum, and the term of the loan is 10 years, which can be repaid in installments.

This is already a very favorable condition, which makes Yang Shuyun excited.

After all, Yang Shuyun is missing a kidney in her body, which makes her panic.

She urgently needed a new kidney to restore her bodily functions.

This is a real need.

Seeing that Yang Shuyun was hesitating, Qin Yi added with a smile.

"This $5 million is not just a concessional loan, it's an investment."

"Investment?" Yang Shuyun was a little unbelievable, how could the loan become an investment.

Qin Yi explained to her in detail, "This extreme technology is still in full swing of research and development, and there is no large-scale commercial application at this stage, and there is a lack of some research and development funds. ”

"So we came up with the business of organ loans, on the one hand, to give back to our partners, to provide benefits, and on the other hand, to raise funds."

"Your $5 million loan is not coming from us, it's the bank paying for you."

"This loan will be directly used in R&D funds to accelerate technology research and development and improvement, and promote the commercialization process of biological cloning technology."

"As we all know, the 21st century is the century of biology, and the market prospect of this technology is very broad." Qin Yi was extremely excited and proud, "We are seizing the commanding heights of cutting-edge biological technology, this is a cash cow, a cornucopia." ”

Looking at Yang Shuyun's somewhat dazed eyes, Qin Yi added another sentence.

"Don't think it's okay for you, you can enjoy a steady stream of benefits here."

"Benefits?!" Yang Shuyun wondered what other benefits there were besides getting a new kidney.

"That's what makes our organ loan so different and ordinary." Qin Yi showed a mysterious smile, "I just said, this is an investment. ”

"Your loan is not only for the purchase of cloned organs, but we also see this money as your investment in biological cloning technology."

"When the technology reaches the commercialization stage, you will have a share of the profit generated by the product."

Yang Shuyun's eyes lit up instantly, and she asked with some excitement: "Is this true?" ”

"Of course it's true." Qin Yi took out a thick contract from his briefcase and handed it over directly, "These are all written into the contract, you can read it for yourself." ”

Yang Shuyun couldn't wait to grab the contract in front of her, picked up her glasses with a trembling hand, carefully looked through the contract, browsed one by one, analyzed and considered.

Half an hour later, Yang Shuyun finally finished reading the contract.

A very standard business investment contract and loan contract, all the terms are in accordance with the law, there are no pitfalls and wordplay.

Judging from the content of the contract, the other party is very sincere.

Yang Shuyun nodded, "There is no problem with this contract. ”

"Of course there is no problem." Qin Yi looked at the other party with a smile, "We have invited many barristers from the country of Yu and the United States to draw up the contract, for fear that something will go wrong, this is a formal commercial project." ”

There really is nothing wrong with the contract, but ......

Yang Shuyun found that she didn't have anything else to pay except for a loan, and she only needed a signature.

"Do you still need to think about it?" Qin Yi asked unhurriedly, "Now many investment companies and wealthy people from all over the world are interested in this project, and the number of places in our project to give back to customers is also limited. ”

"If you want to think about it, I can give you three days, after which I can't guarantee whether there will be any space in this program."

After speaking, Qin Yi took out a business card from his arms and put it on the contract in front of Yang Shuyun, got up and picked up the briefcase and was about to leave.

"Wait a minute!" Yang Shuyun stopped Qin Yi, frowned slightly, and looked a little hesitant.

"What are you waiting for?" Qin Yi was a little surprised, "This project can be said to be a rare opportunity, you can get a brand new kidney and long-term fixed income in the future, we get a research and development fund, and HSBC will get a steady stream of high interest returns." ”

"It's a win-win-win!"

Yang Shuyun's heart moved, "HSBC is also involved in this project?" ”

"Of course." Qin Yi nodded seriously, "The loan is provided by HSBC, in addition to HSBC, Standard Chartered Bank and Citibank are all considering getting involved." ”

"Okay." Yang Shuyun nodded firmly, "I agreed." ”

Without hesitation, she picked up the pen and signed her name on the contract.

Qin Yi solemnly withdrew the contract and sighed: "Ms. Yang, you will definitely be proud of this wise decision in the future." ”

"I hope so." Yang Shuyun sighed, "I just want my body to recover." ”

"Yes." Qin Yi nodded, "This great technology was born for human health, I wish you a speedy recovery." ”

……

Qin Yi walked into Luo Minsheng's office with brisk steps and placed the briefcase on the table.

Luo Minsheng, who was sitting behind the desk, looked at his boss in some surprise, took out a thick stack of contracts from it with a smile on his face, and threw it heavily on the table in front of him.

"These too?" Luo Minsheng asked in disbelief.

"Yes." Qin Yi showed a smug smile, "A total of ten loan contracts worth 200 million US dollars. ”

"You're just so efficient." Luo Minsheng said in amazement, "The performance of my wealth management product managers in three days is not as high as yours alone. ”

"Then you should consider firing them and replacing them with someone more capable." Qin Yi dragged over a chair and lay on it comfortably.

Luo Minsheng carefully put the contract code together, and asked tentatively: "Or hand it over to HSBC?" ”

Qin Yi had an indifferent expression, "If they can eat it, you can give it to them." ”

"Of course you can eat it." Luo Minsheng's expression on his face blossomed, "They have a big appetite now, and they lack this kind of high-quality financial products, and they can eat as much as they want." ”

"But the managers of Standard Chartered Bank and Citibank have come to me and want to give them the product." Luo Minsheng asked tentatively, "Boss, what do you think?" ”

"It depends on whether their cooperation is sincere enough." Qin Yi said with a smile, "We are not a casual company. ”

"The cooperation between the two companies is full of sincerity, Citibank is willing to reduce the interest rate to 7%, Standard Chartered Bank said that 6% can also be done, and at the same time there is a rebate of 10 points for us." Luo Minsheng's face was full of excitement, he had never seen such a grand scene since he entered the industry.

In the past, they begged the bank to cooperate, and the bank looked like it was on top.

Bank managers have their nostrils facing the sky, looking at people with their chins, and if they want to get high-quality wealth management products, they have to bribe them.

And there is no right to choose, what the bank gives you, you can only accept.

Now it's completely reversed, and it's become a bank slippery kneeling in front of him, begging him to cooperate.

It's like the glamorous, cold and arrogant wife next door has been grabbed by you, removed her disguise, and is at your mercy.

There's a thrill of conquest in it, giving and taking.

Hiss~, wonderful.

Qin Yi didn't seem to care about these at all, "You just look at it, Standard Chartered Bank is so sincere, you can consider them first." ”

"Get these contracts done as soon as possible and get the money on the books."

After speaking, Qin Yi stood up and prepared to leave.

"Okay boss." Luo Minsheng suddenly remembered something, "Wait, boss." ”

"What should I do if I still have 6 billion Hong Kong dollars on my stomach in my account before?"

Qin Yi frowned and looked at Luo Minsheng expressionlessly, "What to do?" ”

"Now that the account has become 6.2 billion, it is not a way to put it like this." Luo Minsheng asked tentatively, "The money has to flow, do you want to invest this money in it." ”

"You can invest in it, turn it into an investment share, and then mortgage it to Standard Chartered Bank and exchange it for a dollar loan." Qin Yi advised, "Then invest in the rice stock market and buy a little Enron shares." ”

"Enron?" Luo Minsheng was a little surprised.

Enron is the largest energy buyer and seller of natural gas in the country, as well as a leading energy wholesale market maker.

The boss, Kenneth Rei, has a close relationship with the Bush family, claiming that the White House is his home.

With its own capabilities, Enron has grown into an energy giant, and its stock price has taken off since the nineties.

At that time, there was a saying on Wall Street that praised Enron's stock that the sky was the end.

"Yes, buy more." Qin Yi nodded very seriously.

"How much to buy?" Luo Minsheng asked cautiously.

"Two-thirds of the loan provided by the bank was bought." Qin Yi patted Luo Minsheng on the shoulder, "Make the statement look better, if the stocks go up a lot, you can take these stocks and take out a loan, understand?" ”

"Huh?!" Luo Minsheng was stunned for two seconds, and then nodded, "I understand, boss!" ”

Qin Yi quickly disappeared outside the door with a dashing step.

Looking at the elusive boss, Luo Minsheng sighed.

The boss is very grateful for his trust, but the boss is also a little loose, often can't find where anyone is, so that he can't find anyone to report some important things.

Luo Minsheng was complaining when suddenly the secretary knocked on the office door.

"Mr. Luo, Manager Xu Jiabao of HSBC is looking for you, do you want to see him?"

Luo Minsheng frowned, "Does he have an appointment?" ”

"Yes, but in the afternoon." The secretary said cautiously, "He said he was in a hurry, so he came early." ”

"Let him in." Luo Minsheng thought for a while, and then said, "Push off all the other meetings, and only accept people from the bank today, you know?" ”

"Okay boss."

After more than ten seconds, Xu Jiabao hurriedly rushed in, "Brother Sheng." ”

"Sit." Luo Minsheng didn't stand up, but just stretched out his hand and made a gesture of please, "Why did you come here in the morning?" ”

"There's no way, it's urgent." Xu Jiabao sat down and asked anxiously, "Brother Sheng, how are you thinking about it?" ”

"The boss hasn't replied to my message yet." Luo Minsheng pondered for two seconds, "I can't be the master now." ”

"Brother Sheng, aren't you the general manager here?" Xu Jiabao suppressed the anxiety in his heart and asked tentatively, "Can't you be the master of this matter?" ”

"After all, it's big business, how can I call the shots." Luo Minsheng spread his hands, "If it's just a few hundred million Hong Kong dollars, I can hand it over to you to do, it's hundreds of millions of dollars." ”

Xu Jiabao wanted to speak and stopped, frowned and thought for a while, "Is it Standard Chartered Bank and Citibank that are coming to you?" ”

Luo Minsheng was silent.

"Brother Sheng, don't believe their nonsense." Xu Jiabao was anxious, and hurriedly said, "Did they promise you all kinds of preferential terms?" These are all attached to harsh conditions, unlike us, we at HSBC have no strings attached. ”

Luo Minsheng took a sip of the teacup and slowly put it back on the table, still not saying anything.

"Brother Sheng." Xu Jiabao gritted his teeth, "If this project is done for me, I will give you a half-point rebate." ”

"Ugh." Luo Minsheng immediately interrupted Xu Jiabao's words, "My boss treats me well, I can't sell myself for this money, and I have a bottom line." ”

"Yes, yes, yes." Xu Jiabao hurriedly nodded in agreement, "Who doesn't know that Brother Sheng, you are righteous, otherwise I wouldn't have come to you for help." ”

"Brother, I really can't help it, this year's performance is under a lot of pressure, and we all have to be fired if we can't finish it."

"Then you just resign and come to me to do a good job, my boss is very generous." Luo Minsheng immediately expressed his intention to solicit.

"Thank you, brother." Xu Jiabao smiled bitterly, "But I haven't thought about it yet." ”

"If you can't do it, you can come over at any time." Luo Minsheng said casually, "Hasn't HSBC always been good, what's going on this year?" Seems so urgent? ”

Xu Jiabao glanced around, and secretly lowered his voice, "I'll only tell you one person, don't tell anyone else." ”

"Now there are several big bad debts internally, and the board of directors of the bank is trying to find a way to make money turnover, and at the same time, it is necessary to get some high-quality products as soon as possible to return funds and plug the holes."

Luo Minsheng suddenly understood.

Why does HSBC have a lot of bad debts and can't wait to lend?

Because after the loan is released, the bank is not waiting for you to collect interest slowly, how slow and inefficient.

The bank will directly package your loan into a wealth management product and sell it to customers who invest in wealth management.

For example, if the loan interest rate is 7.5%, the bank will sell the income of wealth management products to 5%.

In this way, the bank not only recovers the principal, but also has an interest income of 2.5% per annum.

The principal money obtained continues to be lent out, and then packaged and sold, and so on.

Therefore, HSBC is eyeing this high-tech and cutting-edge project in Luo Minsheng's hands.