"Michael (Note: Chen Bi's English name is Michael Sandberg, I seem to have forgotten to say it before), I will get the loan application you submitted half an hour ago for you to get it back." A colleague of Chen Bi's office knocked on the door of Chen Bi's office and handed a loan application to Chen Bi.

Chen 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 smiley face froze because he opened the last page of the loan application. The HSBC senior class signed the agreement, but the borrower's information was incomplete, and he sent it back and asked someone to recalculate it.

"Ringling..." The phone rang.

Chen Bi took the rejected loan application and grabbed the telephone receiver. On the other side of the phone was Hart, the secretary of HSBC Grand Ban Morse:

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

"Well, thank you Mr. Morse for his understanding, he knew I was about to meet him." Chen Bi hung up the phone.

He got up and tidied up his suit, chewed a few mints to adjust his breath, then left his office and took the elevator to the office of HSBC Chairman Arthur Morse.

HSBC Grand Ban Morse is a 59-year-old traditional Englishman, but he looks older than other British elderly people. He is wearing a well-made dark suit, a sleek suit and tie in the same color. His silver hair is neatly combed. He sits behind his desk and walnut sticks beside the seat, just like the best template for an elderly British gentleman.

"Mr. Morse, Hart said, you want to see me." Chen Bi was taken into this spacious office by Secretary Hart, and spoke to Morse who was writing at his desk.

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

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

Every employee who joined HSBC after World War II had a sense of admiration for Morse, and Chen Bi was the same. This old man was forced to seize power as the general manager of HSBC London branch three days before the fall of Hong Kong, surpassing the four successors to serve as HSBC general manager, taking over HSBC management power, and quickly transferring HSBC head office management rights to London, England three days before the fall of Hong Kong, 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 in 1941, has been in the position of HSBC as a senior HSBC team for eleven years, from the transfer of assets during World War II to the re-investment of focus after World War II, to the Chinese Civil War, and the current embargo order, it seems that this old man has never finished his work. In these eleven years, he has also developed his stubborn and autocratic character.

After Chen Bi returned to work at the Hong Kong headquarters from the Japanese branch, he only met Morse four times, and three times related to Song Tianyao. It can be said that if there were no such big client as Song Tianyao, a small account manager like him would be summoned by Grandpa Morse, it would be easier than if he went to the Governor's Office to meet the Governor's Office.

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

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

Chen Bi put his hands on his knees: "Yes, sir, the application for Xianrong Trading Company to apply for a loan from HSBC has been rejected by you."

"So, I can't let capable employees shout why in their office. I have to give him an answer, right?" Morse smiled: "In that application, the loan number is 30 million Hong Kong dollars, which is used as collateral with Xianrong Trading Company and its controlling factories and other companies. If I agree, then the loan application you made for Miss Angie Peris some time ago. She has borrowed 60 million Hong Kong dollars from HSBC. It's an exaggerated number. Do you know what she is going to do?"

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

"Your client's methods of expanding development seem a bit radical, and she seems to want to maliciously acquire Xizhen Real Estate."

Chen Bi sat there and said in a humble and arrogant manner: "Sir, we are a bank. As long as the customer's information and mortgage guarantee are reasonable, we don't need to care about what method they use to do business. What we value is reward."

"But this is Hong Kong, not the United Kingdom, and 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 more valued than Miss Angie Perry and her Chinese lover. What I need is stable development, rather than flying around like a fly, destroying the atmosphere. After I got up in the morning, Mr. Lin Xiaohe specially hit my home and talked to me about this matter. I agree more with what he said, malicious acquisition should not be supported, and that Chinese boy should not be clever. This Miss Angie Peris is on the table, which is useless to me. Compared to this Chinese boy, I would rather listen to what Mr. Lin Xiaohe told me about the development direction of the Lin family. Moreover, the Lin family is also preparing to borrow money from HSBC." Morse said to Chen Bi: "The reason I used to reject the application is that the documents submitted by the customer are not perfect enough. You can use this reason to reply to them. I will not let your performance fail. Given your performance during this period, I am going to arrange you to the Xihuan Branch as the branch's deputy general manager."

"It was because the Lin family called you, so you rejected my application? Can I understand this way?" Chen 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 deeper issues, you can just understand this way."

"Banks are brokerage institutions. We lend money to people or absorb people's deposits. We should always remember that other factors cannot affect these two basic points. The borrower should not ask whether he is Chinese, British, or even Indian. The Chinese Song Tianyao has good reputation, has fixed assets, and the industry prospects are bright. Naturally, it can be a high-quality customer that we value. What else does the Lin family have now except 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 the friendship of the other party. Now, when you sit here, the most important thing you should consider is the interests of HSBC." Chen Bi said to Morse in a very serious tone.

He admires Morse, and Morse did save HSBC, but Chen Bi does not recognize the way HSBC treats Chinese people now. It is very unfriendly, or discriminatory. This means that HSBC has kept countless depositors away. Out of his identity and sense of belonging to HSBC, Chen Bi feels that he needs to remind Morse.

The smile on Morse's face slowly faded away: "Do you think HSBC should lend money to Chinese people everywhere, and ignore what they do? One is Lin Xiaohe, who has been friends with British people for many years and has a certain reputation in London. On the other hand, he is a Chinese boy who takes advantage of tricks. My friend to the British is to damage HSBC's interests? Boy, I will give you a chance to apologize to me. As a gentleman, I have considered the feeling that your application was rejected and gave you respect, but you obviously don't respect me, and you are questioning my decision."

"I just don't agree with your words, lend money to the Lin family and Song Tianyao, there is no conflict at all. What impact does the two sides fight against HSBC? No, why can't you lend money to both parties? We can just collect interest on time." Chen Bi adjusted his tone and said to Morse.

Morse stared at Chen 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 people to have the privilege of equal communication with the British, but we are not planning to treat all Chinese people in Hong Kong as equals. Your customers had the opportunity to enter this range, but unfortunately, he offended the Lin family. The privileges of the Lin family were granted by the British, so others must know that except for the British who can target the Lin family, the Chinese, no, okay, go out, my tea may not be suitable for the tastes of young people."

Chen Bi stood up with a ugly face and walked out the door. He forgot to say goodbye to Morse, but when he walked to the door, Chen Bi walked back 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 been living in Hong Kong and China for many years claim to know how much they know about the city. Yes, when you come to HSBC to deposit money and open an account, you must be senior Chinese, and you must have guaranteed other HSBC customers before. Now, my client, because of a business conflict with your senior Chinese friend, you can reject my loan application, even if you lose 30 million Hong Kong dollars in interest, let the money continue to get moldy in HSBC's bank!"

Morse was shocked by Chen Bi's sudden excitement. The cigar she had just reached out and accidentally fell on the table. He wanted to interrupt the other party impatiently and let the reckless and rude bastard get out of his office, but Chen Bi did not give him a chance to speak and continued to speak very quickly:

"I study Chinese hard. I travel all over the big and small Chinese factories in Hong Kong and Kowloon. I see that most factories are still accustomed to depositing money into Chinese banks. Chinese banks. Even if the banking banks are not stable, they may close at any time. Why? Because a small factory may have a deposit of only tens of thousands of Hong Kong dollars throughout the year, which is not worth mentioning to HSBC. But have you, the British who have settled in Hong Kong for many years, ever thought that the cash deposits of all small factories in Hong Kong combined are much more than those of the monuments! Can a high-level Chinese family have a fucking 2,724 small factories? When I joined the army, I understood one truth: on the battlefield, should I choose to be friends with a general who only knows how to talk about war on paper, fight side by side, or be a hundred people? Soldiers who have been fighting side by side after many battles are friends. If you have a general friend, you may make you superior and show your social status, but it is useless on the battlefield. When the enemy rushes up, the general only knows decent surrender, and the one hundred soldiers can accompany you to charge! This question is just as appropriate here! The Lin family is the general who doesn't know anything about nothing. Their investment is mixed, and they lie in the position of higher Chinese and enjoy the privilege of equal dialogue with the British. Song Tianyao and those ordinary Chinese who are not recognized by you are the soldiers who are constantly accumulating experience in the business world! If HSBC really continues to divide the Chinese into classes, the fate will be surrounded by the enemy, waiting to raise the white flag to surrender. Mr. Morse, I admire it very much..."

"Shut up the fuck! Boy!" Morse was angrily grabbed the cigar and threw it at Chen Bi: "Either go back to write a resignation report, or you are waiting to receive a transfer letter to work in the Sabah branch of Malaya! When you learn to apologize in Sabah and remember the politeness that the British should be, I will consider transferring you back! Now, with your idea of ​​money-first interests, get out of my office!"

After Chen Bi said what he wanted to say, he seemed to calm down and bowed slightly to Morse who was angry with him: "Okay, Mr. Morse."

After walking out of Morse's office, Chen Bi's feet were a little weak, but he still said to himself: "Banks are purely financial institutions. They lend money to others or save money for others. The bank is neutral and should not be influenced by politics, race, etc., only interests are supreme. Damn Sabah Branch, wait for me."
Chapter completed!