Reborn in Hong Kong, my cousin is Crippled Ho

Chapter 40 Lin Shaochao, the Second Generation of a Wealthy Family

Chen Laoji has heard plenty of compliments!

Every person who comes to Qiaoxin Bank to apply for a loan is full of sweet talk.

Many people even secretly wanted to give this head manager a kickback!

Unfortunately, none of these people could scratch his itch.

Considering he's over sixty, the fact that he can still hold such an important position in a family-run bank like Qiaoxin is ultimately due to the trust of his former boss, Lin Jingtang, and the respect of his young boss, Lin Shaochao.

In the old-style Teochew business, anyone who could rise from a shop assistant to a position like Chen Laoji was practically no different from a member of the Lin family.

Flattering Chen Laoji is far less effective than flattering Lin Jingtang, who lives in seclusion on Victoria Peak.

This is not!

Chen Laoji grinned and carefully reviewed Lin Yuanshan's loan application materials: "What a fine line, 'Alone I went to Hong Kong, and with one letter I became an overseas Chinese businessman!'"

Ah Yuan, I've taken the liberty of addressing you this way. Let me check the ingredients first. Ah Ru, you're an acquaintance, please make some tea for Ah Yuan.

"Uncle Chen, you really know how to order people around." Qiaoru complained, but her hands skillfully took out a tea canister from under the coffee table: "I work at the teahouse making tea, and I came here hoping to have a break, but who knew I'd still have to make tea."

Chen Laoji chuckled, put on his reading glasses, and examined the things in his hands.

Lin Yuanshan knew that some things had to be said in moderation; there were different levels between admiring one's seniors and flattering one's elders.

Therefore, Lin Yuanshan stopped talking and slowly savored the gongfu tea that Qiaoru had brewed.

Chen Laoji examined the words very carefully, and even though he had a good first impression of Lin Yuanshan, he still asked several questions.

This includes details about several machines at the Far East Plastics plant, as well as the total amount of waste that the Shek Kip Mei branch can process each month.

About half an hour later.

Chen Laoji took off his glasses and smiled at Lin Yuanshan: "Yuan, your factory is worth about 3500 to 4000 yuan on the market, while the standard practice for banks to lend money is basically 50% to 60% of the collateral."

That means I can only give you a maximum of 2400 yuan.

"Aru happens to be here; she knows all this. If you don't believe me, you can ask her."

"Trustworthy! I came here specifically because of the 'trustworthy' aspect of Qiaoxin Bank." Lin Yuanshan raised his teacup and smiled at Chen Laoji and Qiaoru, "This price is fine, thank you Uncle Chen."

Chen Laoji laughed heartily and pointed at Lin Yuanshan: "Ah Yuan, no wonder you opened a factory in Hong Kong in less than a week."

Your ability to climb up the pole is truly astonishing.

I mean, the maximum I can put in is 2400 yuan.

You've gone and directly brought out our Qiaoxin brand to shut me up.

Now I have no choice but to use 2400.

"You little rascal, if you keep going like this, you'll easily end up with no friends."

"Uncle Chen, I respect Elder Lin and you two elders, please show some love to the young too."

"2400 and 2000 are nothing to Qiaoxin, but for me, a fellow townsman, it's a matter of whether I can hire an extra worker or stockpile more materials." Lin Yuanshan smiled sincerely, cupped his hands in a fist and said to Chen Laoji, "We're fellow townsmen, please be lenient."

"Tsk tsk, you little rascal..." Old Chen raised his hand and pointed at Lin Yuanshan. Qiaoru, standing beside him, also chimed in with kind words. In the end, the old man had no choice but to shout at the counter, "Ah Shui, count out 3000 yuan in cash, and bring out a pen, ink, seal, and inkpad. Time to issue the receipt!"

3000 yuan!

Qiaoru exclaimed in surprise, and the next second, she kept winking at Lin Yuanshan, signaling him to quickly express his gratitude.

Who would have thought that things would turn out this way?

Lin Yuanshan, instead of maintaining a forced smile, looked at Chen Laoji seriously and asked, "Uncle Chen, what's wrong...?"

"Haha, since you've already given me 400 dollars, why not add another 600 dollars to round it up for you, Ah Yuan?" Old Chen stared intently at Lin Yuanshan: "Alone I came to Hong Kong, and with one letter, I established myself as an overseas Chinese businessman."

If the master knew that a talented person had emerged from the village, he would be overjoyed!

Ah Yuan, go for it! Work hard! It's only a difference of 1000 yuan. Qiaoxin can support its own people!

Chen Laoji's voice wasn't loud, but every word was firm and resonant.

This allowed Lin Yuanshan to personally experience the spirit of Chaozhou merchants helping their fellow villagers in the 60s.

"Yuanshan will not let Qiaoxin down." Lin Yuanshan tilted his head back and drank the tea in his cup. Then he picked up a brush, signed his name on the loan slip prepared by the bank clerk, Ah Shui, and pressed his fingerprint on it.

Chen Laoji slammed his hand on the table: "That's right!"

When we Chaozhou people do business, we have to be bold and daring!

If you had walked in timidly today, even if Qiaoru had led the way, I, this old man, wouldn't have paid you any attention, let alone offered you a loan.

Everyone laughed when he said that.

After finishing his cup of Kung Fu tea, Lin Yuanshan got up to say goodbye.

Chen Laoji saw them off at the door, watched them get into the rickshaw, and then turned and walked back.

After he returned to his office and sat down, not long after, a handsome young man in his early thirties wearing a suit knocked on the door and came in.

This man was none other than the young master, Lin Shaochao.

After greeting Chen Laoji, Lin Shaochao sat on the sofa and lit a cigarette for himself: "Uncle Ji, Lin Yuanshan's factory is in the back alley of Tongzhou Street, so it must be very small."

Even if we're just considering it because we're from the same hometown, giving him the maximum allowance of 2400 yuan would be enough. Why are you giving him an extra 600 yuan?

Chen Laoji didn't look up, but instead, wearing his reading glasses, he carefully examined the account book: "Young Master, let me ask you something first. You've been upstairs for a long time. What's your opinion of this young man, Lin Yuanshan?"

"Your opinion? Hmm..." Lin Shaochao frowned, pondered for a moment, and then carefully said, "A cunning person."

Upon hearing the word "cunning," Old Chen finally became interested. He put down his account book and gave him a pleased smile: "Tell me in detail. How did you figure out how cunning I was?"

Encouraged, Lin Shaochao tapped his cigarette ash and said, "It's very simple. His two nonsensical phrases were clearly flattering my father."

Offering unsolicited favors is either suspicious or presumptuous, especially when he has something to ask of us.

Ultimately, all they want is for us to lend them more money.

Hmph, actually, if he had inquired more thoroughly, he would have known that ever since my father founded this bank...

Whenever someone from their hometown comes to borrow money, Qiaoxin always lends the maximum amount they can.

Therefore, in my opinion, his two lines were superfluous and only made him seem petty and scheming!

"Cunning! I don't like this person; he's so young, yet so cunning."

"Alas, young master, your statement is too arbitrary." Chen Laoji's satisfaction faded considerably, and even his eyes showed a hint of disappointment: "When you were born, the master had already succeeded in starting his business."

You haven't experienced the hardships of starting a business, so how would you know that this young man, at such a young age, was able to start a factory from scratch? He should be full of vigor and ambition!

But when he came to my door today, he flattered me, an old man, and even the master who wasn't present, against his will.

Hold your head high, stand tall, and say tough things—anyone with a mouth can do that!

They were able to humble themselves and ask for help, and when I added an extra 600 yuan, they were able to calmly and respectfully inquire about the matter.

Hehe, young master, you're right that Lin Yuanshan is cunning.

But you shouldn't have any prejudice against him. This young man is resilient and adaptable; he's quite remarkable!