Rebirth: Super Banking System-Chapter 448 - 364 Old Friend (Please subscribe!)_1

Tang Qing casually strolled around Fenghua Assets’ office area. If it were anyone else, order-keeping analysts would immediately approach them. But Tang Qing was their big BOSS. Anyone who saw Tang Qing pretended not to see him.

Because on the surface, Tang Qing had nothing to do with this company. Except for a few initial clients like Zhang Dongqing and Lu Jianhui, and a few clients who signed loan contracts to complete tasks and knew the inside story, others had no idea about Tang Qing’s existence.

Bored, Tang Qing went to the loan investigation office.

Direct loans investigation.

As the name implies, face-to-face inspection.

The entire loan process of Fenghua Assets starts with submitting documents, leaving enough time for investigation; two days later, people line up for direct investigation, where questions are asked face-to-face, and the reasons for rejection or approval are presented on the spot.

To ensure the security of funds, both new and old clients follow this loaning process.

The office was surrounded by glass, so one could clearly see the people inside from the outside but couldn’t hear what they were saying.

Bored, Tang Qing decided to walk in.

At that time, there were two analysts inside, one was questioning, and the other was taking notes. On seeing Tang Qing come in, the recorder analyst quickly moved a chair to the side for Tang Qing, without uttering a word. They knew that Tang Qing was just hovering around and didn’t want their cover blown.

The middle-aged man named Guan Ming, who was being interrogated, saw a young man come in and sit down. He thought it was another reviewer and smiled politely at Tang Qing.

Tang Qing sat down and politely returned the smile.

At this time, an analyst from the outside came in with a cup of tea and put it in front of Tang Qing.

Tang Qing signaled the analyst beside him to continue.

Getting his signal.

The analyst turned his head and continued questioning.

"Mr. Guan, what will you use your loan for?"

"Mainly to buy new equipment." Guan Ming answered honestly.

"What equipment?"

The information was all in the application materials, but in order to judge whether the other party was lying, they would ask routinely.

"Two sets of fully automatic canning assembly line equipment." Guan Ming quickly replied.

"Mr. Guan, the application form says that you expect a loan term of half a year, with your canning factory as collateral, and the loan amount is 1.4 million RMB. However, as far as I know, your factory was suspended due to an accident two months ago and only restarted production a week ago. First, please explain why this issue was not written in the materials. Second, how can you assure your repayment ability in the future?"

Listening to this, Guan Ming seemed to recall something and gritted his teeth to say:

"I was framed. They used such despicable methods to tamper with my equipment, causing a worker to permanently lose sight, which cost me a lot of money. I had to rectify for more than a month. But they received retribution. At the beginning of this month, in an attempt to save costs, they used problematic oranges and added ingredients prohibited by the state, causing widespread food poisoning. They were banned by the government and even sentenced to prison. As for the repayment ability, after my factory resumes production, my previous partners will give me the orders again. Moreover, I have got a big order from a friend. I am confident about repaying the loan."

The analyst paused for three seconds.

Tang Qing knew that he was waiting for the analysis report from the command room.

Three seconds later.

The analyst said, "Mr. Guan, congratulations, your loan request has been approved. Please prepare the required documents listed above within three days and go there to sign the loan contract." He handed over a list, listing all types of documents needed.

Obviously, Guan Ming was telling the truth, and his situation met the loan requirements.

Upon hearing this,

Guan Ming’s face showed great joy, and he couldn’t believe it,"This, I am approved? You...Thank you, thank you..." He stood up and bowed a few times. He had heard that the loans here were quickly approved, and the interest was flexible. He came here in hope, but was prepared to borrow high-interest funds if not approved. From there he could only borrow upwards of two percent, which couldn’t provide the same level of funding.

As for banks, haha, with the ’previous record’ of a business shutdown, banks would never lend to him. Even without this ’record’, banks generally wouldn’t bother him. Local banks and cooperatives were even less likely, as they served the local area but still prioritized government business.

"Yeah, go and prepare first, call the next person."

"Yes, yes, yes."

Tang Qing, seeing the loan audit that seemed as simple as ’child’s play’, didn’t consider it naive at all.

The loan process of Fenghua was very simple. For amounts below two million, new customers generally would not run into any issues as long as they didn’t lie, their collateral was fine, and they didn’t plan to default. This process was very casual, but only one of every ten could succeed.

To default on a loan meant that they didn’t want to work any more, were unable to dispose of the factory, and couldn’t get cash in the short term even if they sold the factory. Therefore, they would find a way to get cash here. Their initial intention was not to pay back the loan, treating it as selling the factory. Such loans would never be let out here.

"How many cases were successful today." Tang Qing asked.

The analyst whispered, "In response to the commander, up to now, a total of eighteen applicants have been reviewed today. Including the one just now, only two have passed the audit. Among the sixteen people who failed, nine people’s collateral property rights have disputes, or there are sharp management and right conflicts internally. Three people plan to cash out and dump the collateral on us, two people provide false collateral materials, and two people have extremely poor personal credit, one of them has usury everywhere, one likes to gamble."

Tang Qing rubbed his forehead, feeling really bored. It felt like he was back in his previous life as a small loan shark, where each client either had this problem or that problem. Ultimately only one or two out of ten could succeed.

He wanted to help people, but wouldn’t give them a way to skip rocks across the water.

His money did not fall from the sky.

"I’m going now." Such things had been done countless times in the past, and he quickly lost interest after a few tries.

The two fighters stood up to see him off.

It was still morning, and Tang Qing had nowhere to go, so he decided to go straight home.

Stepping into the elevator,

A familiar figure appeared in front of him.

At that moment, Zhang Jing was engrossed in reading a book, oblivious to Tang Qing’s presence in the elevator. She was alone, dressed in her Sky Eye work uniform; she looked efficient and focused.

Tang Qing stood next to her, keeping quiet.

His eyes moved to the book in Zhang Jing’s hands, it was quite dull... "Principles of Economics" by Mankiw; Tang Qing had read it in his past life at school but it didn’t stick with him.

Zhang Jing may have been reading, but she wasn’t oblivious. It was summer and she was dressed quite loosely. Some perverts like to stare, which irritates her, so she took a small step to the right.

Uh-oh.

Tang Qing touched his nose with a bitter look on his face.

He felt rejected.

He sniffed himself, no odor. He changed his clothes daily and certainly didn’t have body odor.

So, Zhang Jing kept her head buried in her book, and Tang Qing didn’t want to interrupt. When the elevator reached the first floor, Zhang Jing briskly walked out without looking up. Tang Qing felt it would be rude not to at least say goodbye, so he followed her.

What a situation.

Zhang Jing walked quickly ahead.

She only noticed another figure walking alongside her from the corner of her eye.

"It must be that guy again. Is he stalking innocent girls in broad daylight?" Zhang Jing furrowed her eyebrows.

Just as Zhang Jing was about to get a good look at this ruffian, a familiar voice rang out, "Jing, why are you rushing so much?"

She looked up to see Tang Qing.

Zhang Jing’s anger turned into joy, she retorted annoyedly, "Why didn’t you make a sound when you got in the elevator? I thought I had run into a bad guy."

"Okay, my bad. Where are you going?" Tang Qing admitted his fault.

Zhang Jing smiled, "Back to the company. Boss Li’s seafood restaurant is opening soon, I’m going for a meeting and getting something I left last time."

"Opening soon? Let’s go check it out." Tang Qing seemed interested.

"Sure."

Then, they arrived at the parking lot and got into Tang Qing’s car. Zhang Jing wasn’t surprised. He was an employee dispatched by Sky Eye. She had heard about Tang Qing’s net worth. She didn’t know the specifics, but she knew it was worth billions. Owning a car was as trivial as buying water to him.

"How does it feel to live here, Jing?" Tang Qing asked.

"I’m used to it, Boss Dou and Boss Li are both very good to me and I’m satisfied with the treatment. Once my sister finishes her National College Entrance Examination, I plan to move my mother over too." Zhang Jing was thrilled when she talked about it. She felt fortunate to have met Tang Qing in the past. Without him, she might still be in sales or working in a factory. Now, she had a hopeful future.

"Your sister’s going to take the National College Entrance Examination?" Tang Qing casually asked. Chatting meant asking about things, and that led to more chatting.

"No, she’s in the second year of high school, going to third year in the next semester." Zhang Jing explained.

"Well, there’s still a year left. How’s her studies?"

"Very good, very promising, always among the first in her grade."

"Great, studying hard is the right path." Tang Qing said.

"Yes." Zhang Jing nodded in agreement.

"Are you living in a rented house now?" Tang Qing asked again.

"Yes, I’m sharing with a few colleagues from Sky Eye. Thanks to your benefits scheme. The company funds housing, commuting, and communication expenses." Zhang Jing smiled.

"Haha, it’s my pleasure. It’s your value creation that enables me to provide you with these benefits. From next week, when Sky Eye moves to its headquarters, there will be single dorms there, and you can also live there for free." Tang Qing said.

"Yes, I know. We heard about it before. The dorms there have been ready for more than a month. Although they’re small, the interiors are pretty good. Many of us are eager to move there. The offices there are really huge and the environment is good." Zhang Jing said eagerly.

Tang Qing chuckled softly.

You must really resent the current office environment of Sky Eye.

"Haha, as long as you like it. Keep up the good work going forward. If the companies that you each oversee generate good results, your annual bonuses will not be short-changed." Tang Qing said.

’Yep.’ Zhang Jing nodded vigorously. The bonus of Sky Eye was minimal last year because there were virtually no benefits, just supporting Sheng Tang Apparel secretly. Sheng Tang had no idea about Sky Eye at all.

However, after the New Year, Sheng Tang Group, Dream Melody Group, Shanghai Real Estate Company, the security company and the catering company, all started to be under the oversight of Sky Eye’s service. By the end of the year, she believed that Sky Eye’s bonus would be very generous.

About ten minutes later.

Under Zhang Jing’s guidance, Tang Qing arrived at Li Jianguo’s Seafood Restaurant. The signboard was already set, the name was quite cute: "National Beauty and Heavenly Fragrance Seafood Restaurant", akin to Dou Jiao’s style. The restaurant was already having a soft opening with Sky Eye employees invited for a free tasting. Currently, final preparations were underway.

Um, quite good indeed.

It was located on a large piece of land.

There was even a huge parking lot in front of it.

Four floors in total and the fourth was the office area for the catering company.

PS: These Chapters serve as a phase summary, less thrilling. Mainly because Tang Qing’s system is about to upgrade and Tang Qing’s high school life is coming to an end. New functionalities, tasks, plotlines, and maps will be introduced.

As the location changes, many characters which readers love may not appear for a lengthy period. Even though these characters - that I create in the book - would eventually meet again, it’s still hard to say goodbye. So, I let some of them appear more often.

Please look forward to it.

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