Rebirth: Super Banking System
Chapter 1571 - 1410: Over 20 Billion (Subscribe Please!)

Chapter 1571: Chapter 1410: Over 20 Billion (Subscribe Please!)

Teaching?

Impossible.

Zhong Liang has billions in family wealth waiting for him to inherit!

...

Nighttime.

A little past nine.

Tang Qing had the fighters send them back.

On campus.

The six walked toward the dormitory.

"Tang Qing is really something else." Li Mo sighed.

Zhong Liang nodded.

"Yeah, five Bachelor’s degrees, and now pursuing a combined Master’s and Ph.D.—this isn’t just genius-level anymore. Right, Zeng Rou, you’ve visited Tang Qing’s house the most. What does Tang Qing actually want?"

"What does he want?"

Zeng Rou pondered.

Then shook her head slightly.

"Logically, since he has so much money, you’d think he loves money. But I’ve noticed that he seems to treat life like a game. What he truly enjoys isn’t making money but rather some odd, peculiar things."

"Sketching, painting, carving... and the antiques in his house swap out every time. After all this time spent with Tang Qing, I still can’t get a read on him." Zeng Rou said.

"The gap feels insurmountable." Zhong Liang commented.

"When traveling with him in Switzerland, I saw those big names. I couldn’t even muster the courage to speak loudly, but he was so composed. In any case, don’t try to compare yourself to this genius freak, or you’ll get hurt."

"True."

"..."

...

The next day.

Beijing.

At the headquarters of ICBC.

In Bank President Liu Li’s office.

Looking at the thick stack of documents on his desk, Liu Li felt rather helpless. Two days ago, Hummingbird Commerce Storage and Transportation Group officially submitted a loan application—and directly to ICBC’s headquarters.

This was fast.

The loan amount was significant, just as discussed in Switzerland.

Thirty billion RMB.

Of course.

As the saying goes, "Ask for the sky, settle for the ground." Thirty billion wasn’t feasible. Additionally, the company only provided a project proposal as collateral. Such terms are privileges typically reserved for central enterprises.

Tang Qing wants this treatment.

It won’t be easy.

No private enterprise has ever set such a precedent.

Headache.

A real headache.

So.

Liu Li brought this troubling matter to a morning meeting. As the meeting was winding down, after discussing loans for central enterprises, Liu Li mentioned Tang Qing’s loan request, igniting heated debate.

"He’s running low on money?"

"Thirty billion RMB—Tang Qing truly dares to dream."

"This requires caution. It’s a private enterprise, after all. If anything goes wrong, we’ll face substantial trouble. Besides, such a large loan could potentially impact other state-owned projects."

"I don’t think we should approve it."

"Exactly. If we require collateral using equity from his other companies, then it’s more manageable. But with just a project proposal and no equivalent collateral, if problems arise, we’ll be placed in a highly vulnerable position."

"Correct, it’s too risky."

"That said, we can’t simply ignore it altogether. Tang Qing is also one of our clients."

"..."

As expected.

The consensus was disapproval. Let’s be honest—this was thirty billion RMB. No private enterprise had ever borrowed that much. Loans of ten to twenty billion might be possible; at least Tang Qing’s connections would warrant consideration.

But thirty billion?

This was absurdly "arrogant." What does he take us for—money printers? We’re a bank, not the Central Bank.

Liu Li remained composed.

At this point.

One vice president adjusted his glasses.

Glancing upward.

"Have you all overlooked something?"

"???"

The other vice presidents turned toward him.

Overlooked what?

The vice president continued, "Tang Qing’s loan application indeed has significant issues, making it tough to move forward. However, he is also one of our strategic overseas clients."

"Microcrystalline Technology, Qingyuan Technology, QingYang Audio, Wan Qing Mining, Tianyan Group, and Comet Group—all their financial flows go through ICBC. Last year, their transactions exceeded 170 billion RMB."

"Each company has deposit and loan amounts exceeding ten billion RMB, making them our largest domestic private enterprise clients overseas."

"So what?"

The vice president smiled with a touch of elegance.

"Another key factor: their deposits and loans with other banks are several times ours. If we flatly reject him—and Tang Qing starts thinking ICBC lacks strength and isn’t reliable—that wouldn’t bode well."

"Moreover, let’s be clear—Tang Qing doesn’t lack money, nor does he lack banks willing to lend to him. He’s simply looking to avoid the hassle of collateralizing his other companies’ shares for this loan."

"If he feels ICBC handles matters coldly and distances collaboration with us, the loss won’t be on Tang Qing, but on us. Hypothetically—just hypothetically—if he secures the loan elsewhere..."

"Then... what role would we even play moving forward?"

Several pointed questions silenced the room.

Indeed.

Up until now, they’d only considered procedural irregularities, the lack of precedents, and ICBC’s institutional pride. Collateral could be acceptable, but a no-collateral loan? That really did seem "arrogant." Yet Tang Qing had every reason to be "arrogant."

ICBC.

Unlike some other major banks.

It isn’t only responsible for commercial and industrial loans.

It also plays a significant role in expanding RMB’s international presence. If Tang Qing, a leading domestic enterprise overseas, stopped turning to ICBC for loans, the ramifications wouldn’t just involve monetary losses—it’d be a hit to credibility.

Overseas.

A domestic entity unable to secure a loan from its own major bank.

How could other nations continue to trust us?

The same vice president added, "I actually see this as an opportunity."

"Opportunity?"

"Exactly. Tang Qing’s Hummingbird plan isn’t limited to domestic operations; it’s global. The shipping company outlined in his proposal isn’t just for show. For ICBC’s rapid overseas expansion, clients of his caliber are indispensable."

"But without collateral, who’s responsible if something goes wrong?"

"Has Tang Qing not proven his ability to create miracles?" The vice president smiled.

"But..."

"We could negotiate with Tang Qing for preferential treatment regarding loans for select subsidiary companies in the future. I believe this could work. However—even then—thirty billion is excessive. We can’t fully meet this request."

"..."

In the end.

No conclusive decision was reached during the meeting.

"Let’s pass it to the higher-ups for review," Liu Li said as he collected the files. The group breathed a collective sigh of relief.

Half an hour later.

With the meeting notes in hand.

Liu Li approached senior leadership.

This was the same person who had led the delegation to Switzerland last time.

"We view this as an investment opportunity, but there are still some concerns," Liu Li reported succinctly.

"Such concerns are understandable. Tang Qing rose to prominence too quickly and is very young. But this is also a prime example of Huaxia’s economic rise. In light of this, exceptional circumstances call for exceptional measures."

"Testing the waters or navigating visible obstacles—in this case, at least we’re safer than before. Thirty billion is excessive, but it shouldn’t be too low either. Offer somewhere north of twenty billion and finalize a figure."

Unlike enterprises lacking in core technologies, strength, and uniqueness, Tang Qing’s industries excel across the board. While the bank president wasn’t fully aware, the senior leader understood clearly—higher-ups hold Tang Qing’s Hummingbird business model in high regard.

Still.

It hadn’t yet materialized.

So the clear returns were still elusive. Moreover, during the visit to Switzerland, a promise was made to reconsider Tang Qing’s loan proposal. It seems Liu Li hadn’t mentioned this to ICBC staff, which was for the best—such promises are not meant to be publicized.

"Understood. I know how to proceed."

"Good."

Liu Li departed.

He didn’t immediately reconvene the meeting for approval.

No rush.

Where’s the dignity in immediately responding to a report just days later? As the headquarters of ICBC, we must maintain our stature. Besides, there’s still work for the risk management team to properly evaluate. The materials provided were far too rash.

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