Someone Is Always Ahead of the Times
The moment the door opened, a short, urgent ringtone sounded inside the room. It wasn't harsh, nor did it last long; it only lasted for a second or two.
This ringtone is specifically designed to alert people in the room that someone is opening the door, thus minimizing awkward situations and providing at least a few seconds of buffer time.
Qiao Geliman stood up, accompanied by three young men who followed closely behind him to Lin Qi Qiao Geliman.
Lin Qi walked over calmly, extended his hand, and shook hands with Qiao Geliman. Qiao Geliman acted a bit reserved. After exchanging a few polite words, he introduced Lin Qi to the three young men behind him.
"These are all outstanding client managers from Jinhui Bank ..." Ignoring the unimportant names of these three people, Lin Qi probably already understood what Qiao Geliman meant.
He wouldn't keep the deal for himself, and he wouldn't even get involved. Lin Qi would reach a loan agreement with these three account managers, and the collateral he held would become part of their performance record.
For Qiao Geliman, it didn't matter who signed Lin Qi's business. At his level, personal performance was no longer important. Even if he didn't close a single deal all year, no one would think he was a good-for-nothing.
As the Credit Department Manager, his "performance" is the collective achievement of the entire Credit Department. Since it doesn't matter whether he signs them or not, why not use these deals to win people over?
Where there are people, there will be struggles; where there are struggles, there will be people taking sides. These three young men are staunch supporters of Qiao Geliman. They are younger and have greater potential. If these deals and future deals fall into their hands, they will propel them to even greater heights.
At the same time, as the manager of the Credit Department, I will also benefit from this, so why not be a generous boss?
Moreover, this is also a preventative measure. If Lin Qi encounters problems during the process that affect the bank's interests, Qiao Geliman can immediately extricate himself from the situation, and it will all be unrelated to him.
He was only responsible for the referrals and confirming the banks' procedures for reviewing these loan applications. Everything else was none of his business, and if there were any illegal activities involved, that was naturally none of his concern either.
If the cooperation goes smoothly, he will also benefit from it. The loan agreements worth millions were signed under his supervision, and as the person directly responsible for these achievements, he will receive important evaluations from the branch and even the headquarters.
Bank executives, especially those in important departments like the Credit Department, always prioritize risk assessment and prevention. They may not make much money, but they absolutely cannot afford any huge losses.
Led by Qiao Geliman, the group had a brief chat, which quickly evolved from trivial matters to recent economic trends in the Federal.
Economic development seems to have suddenly slowed down, and some minor problems have emerged in various industries. This can be seen from the year-on-year comparison of the loan disbursement rates and loan amounts of the Big Six Banks in the first half of the year, indicating that society is quietly changing.
As they chatted, Qiao Geliman relinquished control of the conversation, letting the young people speak freely while he observed from the sidelines, primarily watching Lin Qi.
A copy of Gatnau Financial Company's new contract has been sent to the branch office, where legal counsel believes the additional terms in Gatnau Financial Company's loan agreement are of great significance and value. They also plan to launch their own new contract in the second or third quarter of next year.
The reason for taking so long is twofold: firstly, to wait until all the current contracts are used up before printing new ones, which saves a lot of money; secondly, to conduct an investigation to see if the content conflicts with local laws in certain states.
Overall, Qiao Geliman has done a great job. He doesn't believe that the idea came from those Finance Company owners who haven't had much formal education, nor from their legal counsel. Otherwise, they would have had these ideas long ago, so why wait for a young man named Lin Qi to appear? This shows that all of this is related to Lin Qi.
He had witnessed Lin Qi's performance, and what impressed him most was Lin Qi's confidence. His judgment on future financial and economic trends made Qiao Geliman vaguely feel that he was right.
"If the market continues to be weak, it is very likely to cause overcapacity. If the Federal Government cannot solve these problems well, capitalists will start to lay off workers, and a large number of workers will become unemployed. Social conflicts and contradictions may be further intensified and erupt!" Lin Qi's eloquent speech left the other three young men with no room to interrupt. At the same time, what he said was also somewhat frightening.
Economists are saying all the time that after the peak and rebound, there will be a new round of great development. Although it is unknown when this rebound will end, most people are optimistic.
Lin Qi's counter-cultural views immediately caught people's attention. Just as one of the young men asked this younger Mr. Lin Qi, who was even younger than himself, with the respectful term "Mr. Lin Qi," Qiao Geliman stood up.
All four people's attention was drawn to him. He smiled apologetically, "I'm going to answer a phone call..." at the same time, there was an indescribable change in his eyes.
Eye contact is a very special medium. Some people describe the eyes as the windows to the soul, while others believe that eyes and eye contact cannot convey messages.
But there are always those moments when people can understand what others mean through their eyes, through the entanglement and eye contact.
The simplest examples are "no" or "understand".
Lin Qi nodded and said, "Please go ahead." When Qiao Geliman entered another room, the young men stopped their previous "asking for advice" and began their business for the day.
Today's meeting is largely a deeper speculation. The contract won't be signed here. If the loan agreement is signed here, Lin Qi might not have any problems, but these three young men will not only lose their jobs, but they might also go to jail.
They began discussing the materials Lin Qi had brought. With Qiao Geliman's supportive attitude—he wouldn't have brought them to meet Lin Qi if he hadn't supported the deal—the tone was set, and all that remained were some details.
Forty minutes later, Mr. Qiao Geliman had finally finished his call, returned from another room with a slightly apologetic smile on his face as he looked at the four young people who had already started chatting.
"I'm sorry, I received an important call and need to go back to join a conference call, so I can't stay any longer..." He glanced at the jewel-encrusted watch on his wrist as he pressed down his cuffs. "It's almost noon. You can have lunch here, or go wherever you like. In any case, I need to see you at the bank after 2 p. m., is that alright?"
At this point, the matter was basically settled. After the agreement was signed in the afternoon, the money would be deposited into Dyson Asset Management Company's corporate account once the bank completed its approval process.
But their business wouldn't stop there. Qiao Geliman knew very well that as Lin Qi got more money, Gatnau Company would have more mortgage loan agreements, which would be a snowball effect, bringing him huge profits and prestige.
On his way back, he looked at the worried passersby on the street and, for some inexplicable reason, thought of Lin Qi's words earlier, words that many people would consider shocking!
This also reminded him of the recent internal report from head office regarding the establishment of a personal credit system, and the requirement to lower bank deposit interest rates...
The wind blowing in our faces no longer carried an intoxicating sweetness, but instead had a fishy smell that only comes before a storm!