"Michael (Note: Shen Bi''s English name is Michael Sandberg, which I forgot to say before), I brought back the loan application you submitted half an hour ago." a colleague of Shen Bi knocked on the door of Shen Bi''s office and handed Shen Bi a loan application.


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


    His smiling face froze, because when he turned to the last page of the loan application, HSBC''s big class didn''t sign consent, but the loan customer''s information was incomplete and sent back for recalculation.


    "Bell..." the telephone rang.


    Shen Bi took the rejected loan application and grabbed the telephone receiver. Over the phone was Hart, the Secretary of HSBC banmorse:


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


    "Well, thank Mr. Morse for his understanding. He knows I''m going to see him." Shen Bi hung up the phone.


    Get up, tidy up your suit, chew a few mints to adjust your tone, and then leave your office and take the elevator to Arthur Morse, chairman of HSBC.


    Big Ben Morse of HSBC bank is a 59 year old traditional Englishman, but he looks older than other British old people. He wears a well-designed dark suit, an old suit and a tie in the same color. His silver hair is neatly combed. He sits behind his desk with a walnut walking stick beside his seat, It''s like the best template for an old 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 the spacious office by Secretary Hart.


    Morse put the gold-plated pen on the cap, put it aside, and carefully put the ink box away. Then he looked up and said, "Hello, Michael, find a seat and sit down."


    Shen Bi sat on a velvet seat 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 so does Shen Bi. Three days before the fall of Hong Kong, this old man was forced to usurp power as the general manager of HSBC London branch, surpass four successors in waiting, serve as the general manager of HSBC and take over the management power of HSBC, The management of the head office of HSBC was quickly transferred to London three days before the fall of Hong Kong, so as to avoid the bad luck of HSBC being forcibly frozen by other regions and countries, especially the United States.


    Morse, who took office directly under the authorization of the British colonial department without a resolution of the HSBC board of directors in 1941, has been in the position of the HSBC team for 11 years, from the transfer of assets in World War II to the re investment of the focus in China after World War II, to the Chinese civil war and the current embargo. It seems that this old man has an endless job in these 11 years, He also developed his headstrong, powerful and arbitrary character.


    After Shen Bi returned to work at the Hong Kong head office from the Japanese branch, he only met Morse four times this time, and three times were related to song TIANYAO. It can be said that if there was no big customer song TIANYAO, his small account manager wanted to be summoned by big class Morse, it would be easier than he went to the governor''s office to see the governor.


    "Hart, help me prepare two cups of tea with Michael," 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 competent employee yell in his office why, I have to give him an answer, right?" Morse smiled: "In that application, the loan figure is HK $30 million. Xianrong trading company and its holding factories and other companies are used as collateral. If I agree, then in addition to the loan application you made for Miss Angie pelis some time ago, she has borrowed HK $60 million from HSBC. It''s an exaggerated figure. Do you know what she''s going to do?"


    "Expand development and prepare to set foot in the real estate industry," Shen Bi told Morse.


    "Your customer''s means of expanding development seems to be some radical. She seems to want to maliciously acquire Xizhen real estate."


    Shen Bi sat there and said, "Sir, we are banks. As long as the customer''s information and mortgage guarantee are reasonable, we don''t need to care about what kind of methods they use to do business. What we value is return."


    "But this is Hong Kong, not Britain. It pays more attention to class and friendship. The Lin family, the controlling family of Xizhen real estate, and the land and assets they control, make me pay more attention than Miss Angie pelis and her Chinese lover. What I need is stable development, not flying around like a fly to destroy the atmosphere. After I got up in the morning, Mr. Lin Xiaohe, I especially called my home and talked to me about it. I agree with him that malicious takeover should not be supported, and let the Chinese boy not play tricks and put this miss Angie pelis on the table. It doesn''t help me here. Compared with the Chinese boy, I''d rather listen to what Mr. Lin Xiaohe told me about the development direction of the Lin family. Moreover, it''s just right, The Lin family is also going to borrow money from HSBC. "Morse said to Shen Bi," the reason I used in the application is that the documents submitted by the customers are not perfect. You can use this reason to answer them. I won''t let your performance fail. In view of your performance during this period, I''m going to arrange you to serve as the deputy general manager of the West Ring branch. "


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


    Morse nodded. "If you don''t want to think about a deeper problem, it''s OK to just understand it."


    "Banks are brokerage agencies. We lend money to people or absorb people''s deposits. We should always remember that we can''t let other factors affect these two basic points. The borrower should not ask if he is Chinese, British or even Indian. Chinese song TIANYAO has a good reputation, has fixed assets and has a bright industry prospect. Naturally, he can get me What else does the Lin family have besides those lands? Only the so-called friendship with the British. 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 each other''s friendship. 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 worships Morse. Morse did save HSBC, but Shen Bi doesn''t recognize the way HSBC treats the Chinese people. It''s very unfriendly, or discriminatory, which means that HSBC has turned away countless depositors. Out of his identity and sense of belonging to HSBC, Shen Bi feels it necessary to remind Morse.


    Morse''s smile slowly faded away: "Do you think HSBC should lend money to the 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, he is a Chinese boy who takes advantage of opportunism. When I help the British friends, I damage the interests of HSBC? Boy, I give you a chance to apologize to me. As a gentleman, I , I have given you respect considering your feeling that your application has been rejected, but you obviously don''t respect me. You are questioning my decision. "


    "I just don''t agree with you. There is no conflict between lending money to the Lin family and song TIANYAO. What impact does their fight have on HSBC? No, why can''t we lend money to both sides. We just charge interest on time." Shen Bi adjusted his tone and said to Morse.


    Morse stared at Shen Bi with gray blue eyes 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 to have the privilege of equal communication with the British, but we are not ready to treat all Chinese in Hong Kong as equal. Your customer had the opportunity to enter this scope, but unfortunately, he offended the Lin family. The Lin family''s privilege was given by the British Yes, we have to let others know that apart from the British, we can target the Lin family and the Chinese. No, all right, go out. My tea may not be suitable for the tastes of young people. "


    Shen Bi stood up with an ugly face and walked towards the door. He forgot to say goodbye to Morse, but when he came to the door, Shen Bi came back and stood in front of Morse:


    "Don''t judge my understanding of Hong Kong by the time I settled in Hong Kong. Mr. Morse, you Britons who have settled in Hong Kong and China for many years claim to know the Chinese and how much you know about the city. Yes, if you come to HSBC to deposit money and open an account, you must be an advanced Chinese, and you must have been guaranteed by other HSBC customers before. Now, my customers, because they are different from you If there is a business conflict among Chinese friends in higher education, you can reject my loan application. For this reason, even if you do not hesitate to lose the interest of HK $30 million loan, let the money continue to mildew in HSBC''s Treasury! "


    Morse was startled by Shen Bi''s sudden excitement. The cigar he just held fell on the table. He wanted to impatiently interrupt each other and let the reckless and impolite bastard get out of his office, but Shen Bi didn''t give him a chance to open his mouth and continued to speak very fast:


    "I study Chinese hard. I''ve traveled all over China''s factories in Hong Kong and Kowloon. I see that most factories are still used to depositing money into Chinese banks. Chinese banks, even those banks, may close at any time. Why? Because the deposit of a small factory may be only tens of thousands of Hong Kong dollars a year, which is not worth mentioning to HSBC, but you Have some British people who have settled in Hong Kong for many years ever thought that the cash deposits of all small factories in Hong Kong are too much more than the assets of those millionaires! Can an advanced Chinese family own 2724 fucking small factories? When I joined the army, I knew a truth. On the battlefield, I chose to make friends with a general who only knows how to talk on paper and fight side by side , or a hundred soldiers who have experienced many battles as friends to fight side by side. If you have a general friend, you may be superior and show your social status, but it is of no use on the battlefield. When the enemy rushes up, the general only knows how to surrender decently, but the 100 soldiers can accompany you to launch an assault! This problem is just as appropriate here! The Lin family is that fart Generals who don''t understand, their investments are miscellaneous and disorderly. They lie in the position of higher Chinese and enjoy the privilege of equal dialogue with the British. Song TIANYAO and ordinary Chinese who are not recognized by you are soldiers who have accumulated experience in the business sea! If HSBC really continues to divide the Chinese into classes, it will end up surrounded by the enemy and waiting to raise the white flag to surrender "Mr. Morse, I admire..."


    "Shut the fuck up, boy!" Morse grabbed the cigar angrily and threw it at Shen Bi: "Either go back and write your resignation report, or you''ll wait to receive the transfer letter to work in Malaya Sabah branch! When you learn to apologize in Sabah and remember the courtesy of the British, I''ll consider transferring you back! Now, get out of my office with your idea of money first and interests first!"


    Shen Bi said what he wanted to say. The whole man seemed to calm down and leaned slightly towards Morse, who was angered by himself: "OK, Mr. Morse."


    Out of Morse''s office, Shen Bi''s feet were a little soft, but he still said to himself: "the bank is a pure money institution. It lends money to others or saves money for others. The bank is neutral and should not be affected by politics and race. Only interests are supreme. Damn Sabah branch, wait for me."


    What song TIANYAO does next has nothing to do with him. As song TIANYAO''s HSBC account manager, he has really tried his best.