Rebirth: Outstanding

"Michael (Note: Shen Bi's English name is Michael Sandberg, which seems to have forgotten to say before), I will help you get back this loan application that you submitted half an hour ago." A Shen Bi's The colleague knocked on the door of Shen Bi's office and handed Shen Bi a loan application.

Shen Bi took it and smiled at the other party: "Thank you, I love HSBC. Its efficiency is getting faster and faster. This is a good sign, I..."

His smile froze, because when he turned to the last page of the loan application, the HSBC executive did not sign an agreement, but the borrower's information was imperfect, and he sent it back for recalculation.

"Ring ring..." The phone rang.

Shen Bi took the rejected loan application and grabbed the receiver of the phone. On the other side of the phone, it was Hart, the secretary of HSBC Meister Morse:

"Michael, Mr. Morse wants you to meet him in his office in five minutes."

"Well, thank you Mr. Morse for his understanding, he knows I am about to see him." Shen Bi hung up the phone.

He got up to tidy up his suit, chewed some mints to adjust his tone, then left his office and took the elevator to the office of HSBC Chairman Arthur Morse.

HSBC tycoon Morse is a 59-year-old traditional Englishman, but on the outside, he looks older than other British old people. He is wearing a well-made dark suit, a staid suit with a tie of the same color, and his silver hair is combed. Neatly, sitting behind his desk with a walnut cane next to the seat, like the best model for an elderly British gentleman.

"Mr. Morse, Hart said, you want to see me." Shen Bi said to Morse who was writing at the desk after being brought into this large office by Secretary Hart.

Mors put the cap on the gold pen in his hand, put it aside, and carefully put the ink tank away, then raised his head: "Hello, Michael, find a place to sit down."

Shen Bi sat on a seat covered with velvet cloth and waited respectfully for the old man to speak.

Every employee who joined HSBC after World War II has a sense of admiration for Morse, and the same is true for Shen Bi. This old man was forced to arrogantly seize power as the general manager of HSBC London branch three days before the fall of Hong Kong. He was appointed as the general manager of HSBC. He took over the management of HSBC and quickly transferred the management of HSBC’s head office to London, England three days before the fall of Hong Kong, so as to avoid the bad luck of HSBC being forced to freeze by other regions and countries, especially the United States. .

Morse, who was directly authorized by the British Colonial Department to take office without a resolution of the HSBC Board of Directors in 1941, has been in the position of HSBC's chief executive for eleven years, from the transfer of assets during World War II to the reinvestment of focus in China after World War II. The Chinese civil war and the current embargo make it seem that this old man has an inexhaustible job. In the past eleven years, he has also developed his self-employed and authoritarian character.

After Shen Bi returned to work at the Hong Kong head office from the Japanese branch, counting this time, he only met Morse four times, three of which were related to Song Tianyao. It can be said that if there is no such big customer as Song Tianyao, a small account manager like him would want to get Taipan Morse's summons is no easier than going to the Governor's House to see the Governor.

"Hart, help me and Michael prepare two cups of tea." Morse said to his secretary after Shen Bi sat down.

When Hart left the office, Morse said to Shen Bi: "I think you should know why Hart called you."

Shen Bi put his hands on his knees: "Yes, sir, you rejected the application of Xianrong Trading Company for loan from HSBC."

"So, I can't let a capable staff member yell why in my office, I have to give him an answer, right?" Morse smiled: "On the application form, the loan figure is 30 million Hong Kong dollars. Use Xianrong Trading Company and its controlled factories and other companies as collateral. If I agree, then you also helped this Miss Angie-Peris to make a loan application some time ago. She has already borrowed 60 million Hong Kong dollars from HSBC. , An exaggerated figure, do you know what she is going to do?"

"Expand development and prepare to get involved in the real estate industry." Shen Bi said to Morse.

"Your client's method of expanding development seems a bit radical. She seems to want to hostilely acquire Xizhen Real Estate."

Sitting there, Shen Bi said neither humble nor overbearing: "Sir, we are a bank. As long as the customer's information and mortgage guarantee are reasonable, we don't need to care about the way they do business. What we value is the return."

"But this is Hong Kong, not the United Kingdom. This place pays more attention to class and friendship. The Lin family, the holding family of Xizhen Real Estate, and the land and assets they control are more important to me than this Miss Angie Peris and her Chinese lover. What I need is stable development, not flying around like flies and disrupting the atmosphere. After I got up in the morning, Mr. Lin Xiaohe specially called into my home and chatted with me about this matter. I agree with him more. That said, hostile takeovers should not be supported, and let the Chinese boy not be clever, and put this Miss Angie Peris on the table, it will not help me here. Compared with this Chinese boy, I prefer to listen to Lin. Mr. Xiaohe told me about the development direction of the Lin family, and it happened that the Lin family was also preparing to borrow money from HSBC." Morse said to Shen Bi: "The reason I used for rejection in the application was that the documents submitted by the client were not complete. You can use this reason to answer them. I will not let your performance fail. In view of your performance during this period, I am going to arrange you to serve as the deputy general manager of the branch in West Loop."

"Because the Lin family called you, so you rejected my application? Can I understand this?" Shen Bi took a deep breath after hearing Morse's words, and then looked at Morse and asked. .

Morse nodded: "If you don't want to think about deeper issues, you can just understand it this way."

"Banks are brokerage institutions. We lend money to people or absorb people’s deposits. We should always remember that other factors should not affect these two basic points. People who borrow money should not ask whether they are Chinese or British. People, even Indians, and Chinese Song Tianyao have a good reputation, have fixed assets, and have a bright future in the industry. Naturally, they can be high-quality customers that we value. What else does the Lin family have besides those land? Only the same as the British The so-called friendship, Mr. Morse, if you consider making friends with the Lin family, you should go to the club instead of sitting in this position and still consider the friendship of the other party. Now, when you sit here, the most important thing to consider is the interests of HSBC. "Shen Bi said to Morse in a very serious tone.

He admired Morse, and Morse did save HSBC, but Shen Bi did not approve of the way HSBC treats Chinese people today. It is very unfriendly or discriminatory. This means that HSBC has rejected countless depositors out of his own. Shen Bi felt that he had to remind Morse of his identity and his sense of belonging to HSBC.

The smile on Morse's face slowly faded: "Do you think HSBC should lend money to Chinese people everywhere, regardless of what they do? One is Lin Xiaohe, who has been friends with the British for many years and has a certain reputation in London. On the one hand, it’s a Chinese kid who is opportunistic. My friend who helped the British damaged HSBC’s interests? Boy, I’ll give you a chance to apologize to me. As a gentleman, I have already considered that your application has been The feeling of rejection gives you respect, but you obviously don’t respect me. You are questioning my decision."

"I just don't agree with you. Lending money to the Lin family and Song Tianyao. There is no conflict at all. What impact will the death and life of the two parties have on HSBC? No, why can't we lend the money to both parties? Yes." Shen Bi adjusted his tone and said to Morse.

Morse's gray-blue eyes stared at Shen Bi, and said in a bad tone: "Boy, how long have you been in Hong Kong? Some things are not as simple as you think. We need some Chinese people to have equal privileges to communicate with the British, but It’s not that all Chinese people in Hong Kong are treated as equals. Your client had the opportunity to enter this range. Unfortunately, he offended the Lin family. The privileges of the Lin family were granted by the British, so they had to let others I know, except that the British can target the Lin family and the Chinese, no, no, let’s go out. My tea may not be suitable for the taste of young people."

Shen Bi stood up and walked out the door with an ugly expression, forgetting to say goodbye to Morse, but when he walked to the door, Shen Bi walked back again and stood in front of Morse:

"Don’t use the time I settled in Hong Kong to judge my understanding of Hong Kong, Mr. Morse, you British people who have settled in Hong Kong and China for many years, claim to know the Chinese people and how much you know about this city, yes, When you come to HSBC to deposit money and open an account, you must be a high-ranking Chinese, and you must have other HSBC customer guarantees before. Now, my customer, because of a business conflict with your high-level Chinese friend, you can reject my loan application. For this reason Even if you don’t hesitate to lose 30 million Hong Kong dollars in interest on borrowings, let those money continue to grow moldy in HSBC’s treasury!"

Morse was startled by Shen Bi’s sudden excitement. The cigar he had just picked up accidentally fell on the table. He wanted to interrupt the other person impatiently and let this reckless **** get out of his office, but Shen Bi did not give him a chance to open his mouth, and continued to speak extremely fast:

"I work hard to learn Chinese. I traveled to large and small Chinese factories in Hong Kong and Kowloon. I saw that most factories are still used to depositing money in Chinese banks, Chinese banks, even if the bank’s operations are not safe, at any time. It may be closed. Why? Because a small factory may only have tens of thousands of Hong Kong dollars in deposits throughout the year, which is not worth mentioning to HSBC, but you British people who have lived in Hong Kong for many years have ever thought about the total cash deposits of all small factories in Hong Kong. There are so many more assets than those rich men! Can a high-level Chinese family have a **** 2,724 small factories! When I joined the army, I understood a truth. On the battlefield, it is a choice Generals who only know how to talk about soldiers on paper should be friends and fight side by side, or a hundred soldiers who have experienced battles should be friends and fight side by side. If you have a general friend, you may be superior to others and show your social status, but on the battlefield, it is completely It’s no use. When the enemy rushes up, the general only knows how to surrender decently, but the hundred soldiers can accompany you to start the charge! This question is just as appropriate here! The Lin family is the general who doesn’t understand the fart, theirs The investment is messy, lying in the position of high-level Chinese to enjoy the privilege of equal dialogue with the British, and Song Tianyao and those ordinary Chinese who are not recognized by you are those soldiers who have accumulated experience in the business sea! If HSBC really continues In dividing the Chinese into classes, the end is to be surrounded by enemies, waiting to raise the white flag and surrender. Mr. Morse, I admire..."

"Shut up the **** for me! Kid!" Morse grabbed his cigar angrily by Shen Bi's long speech and threw it at Shen Bi: "Either go back and write the resignation report, or you just wait to receive it. A transfer letter for working in the Malaya Sabah branch! When you learn to apologize in Sabah and remember the politeness of the British, I will consider transferring you back again! Now, with your thoughts of money and interests first, get out my office!"

After Shen Bi said what he wanted to say, the whole person seemed to calm down, and he leaned slightly towards Morse who was irritated by him: "Okay, Mr. Morse."

Walking out of Morse’s office, Shen Bi’s feet were a little weak, but he still said to himself: “Banks are purely money institutions, lending money to others, or saving money for others. Banks are neutral and should not be affected by politics. This kind of influence, only interests are paramount, the **** Sabah branch, wait for me."

What happened to Song Tianyao has nothing to do with him. As Song Tianyao's HSBC account manager, he really did his best.