I'll Add Points To All Things

Chapter 690: Who’s The More Valuable Customer?

Chapter 690: Who’s The More Valuable Customer?

Translator: EndlessFantasy Translation Editor: EndlessFantasy Translation

After all, as one of the top educational institutions in the country and one that was already listed in Hong Kong, Xinli Education was definitely a good asset.

Furthermore, banks loved lending to big companies like this because of how safe it was and how high the return would be.

Therefore, Cao Qiguang’s confidence was not without reason.

Upon hearing Cao Qiguang’s words, Mr. Kong started to ponder.

Instead of agreeing immediately, he said, “Old Cao, there might be some procedural issues though...”

However, Mr. Kong did not say it outright. “I’ll have to understand the situation further. I’ll give you an answer when I’m done.”

Old Cao smiled and said, “Sure, no problem. I’ll be waiting for your good news.”

After hanging up the phone, Cao Qiguang confidently tossed the matter to the back of his mind. ‘No normal bank would not reject my request. After all, even though Su Yang has a rather high net worth, the company he has is too small and he doesn’t have enough cash on hand. Hence, the amount of business he could be involved with banks would be too little as well.

‘On the contrary, my own listed company is worth tens of billions of yuan and has huge cash flow. So, it’s obviously more beneficial for the bank to cooperate with me.’

With that thought in mind, Cao Qiguang put the documents aside and started his work for the day. His grand plan was already in its infancy stage. Hundreds of subsidiary companies throughout the country were going to be set up at the same time, so there were many things that needed his attention.

Aside from that, he was confident that as long as he could get past this hurdle, Xinli Education would soon become one of the top enterprises in the domestic education industry!

...

At the bank, after Mr. Kong hung up, he called his secretary in. “Xiao Liu, I would like to mee with Mr. Zhao from the credit department.”

Secretary Liu said, “Yes, Mr. Kong.”

Shortly after, Mr. Shen’s superior, Mr. Zhao arrived at the director’s office.

Mr. Zhao’s position within the bank was obviously very high since the moment he entered, Mr. Kong smiled and said, “Old Zhao, please have a seat. How have you been recently?”

Mr. Zhao did not stand on ceremony and very naturally sat down opposite Mr. Kong and said, “I’ve been alright. Perhaps it’s because I’ve been sitting for a long time that there’s this discomfort in my waist. It might be a little prominent.”

Mr. Kong smiled and praised, “I suppose that’s only normal since you’re always so prominent at everything.”

Mr. Kong’s joke made both of them laugh.

After laughing, Mr. Zhao asked, “Mr. Kong, is something the matter for you to have asked for me today?”

Mr. Kong replied, “Yes, just one thing. I wanted to ask if you know who Su Yang is.”

Mr. Zhao nodded. “I do, of course I know him. He’s a big client of our bank.”

“A big client?” Mr. Kong was not in charge of the details, so he did not know much about this. ‘I only remember that Mr. Zhao has submitted a report saying that he has given Su Yang a loan of tens of millions of yuan. But... That doesn’t make him a big client of ours then, does it?’

At the thought of this, Mr. Kong asked, “Isn’t his loan interest free? Plus, it’s only tens of millions of yuan.”

Mr. Zhao said, “Exactly. That’s just what I was about to say. We’ve really been blessed with good karma this time.”

Then, he explained with a smile, “I gave him a 50 million interest-free loan previously, didn’t I? The collateral for this loan is the income from one of his releases from his film company. So, when the loan was made, I had him send us that company’s account to our bank.

“In the end, who would’ve thought that his film company was really making money. In just a few months, that movie’s income has already been returned. However, because the deadline for his loan hasn’t expired yet, we can’t deduct his funds.

“After that, they made another movie and it made his company more than 100 million yuan. Then for some reason, he invested another 300 million yuan into that company again. So, in total, this account now has about 400 to 500 million yuan in it.

“In fact, a whole bunch of departments within our bank are coveting this money, hoping to be able to have this amount of money transferred to a fixed or structural deposit. Once we succeed, the sales of our bank deposits this year will be almost complete. Furthermore, if we manage to lend this money out, it’s going to be a rather large income for us.”

Mr. Kong looked enlightened when he heard Mr. Zhao’s words. ‘He really is an opportunist.’ Then, he immediately followed Mr. Zhao’s words and said, “That’s good. In that case, we must do our best to serve him well and strive to obtain this deposit. After all, this would be great for our sales target!”

Mr. Zhao smiled and said, “I will. In fact, I’ve already arranged for Mr. Shen, who has been liaising with him, to be in charge of this. I believe we will be hearing some good news soon.”

Mr. Kong pondered for a moment, then said, “Well, you shouldn’t put all your eggs in one basket and let others have a go at it too. For example, having a beautiful woman give it a shot might be worthwhile since it would be easier for her to talk to him.”

Mr. Zhao nodded. “Alright. I’ll make the arrangements when I get back.”

After that, Mr. Kong continued to talk about other topics and brought this matter to the fore.

After the two finished their conversation, Mr. Zhao left the Mr.’s office with a smile. However, after leaving the office, his expression returned to normal. ‘His questions today were so weird, I don’t get what he actually wants.

‘Was he asking me for a status report? But, we were mostly just having a casual chit chat and he didn’t even take a look at my report.

‘However, even if I want to say that it was a casual chit chat... We were talking about work the entire time.

‘What’s going on here? Why did that conversation just now feel so weird?’

Then, Mr. Zhao continued to ponder as he walked.

Soon, when he was about to reach his office, Mr. Zhao’s eyes suddenly lit up as he seemed to have figured it out. ‘Am I going to be promoted?

‘I heard that one of the vice directors is about to be transferred.

‘Could it be possible that the organization is observing me?’

Thinking of this, Mr. Zhao recalled the conversation he had with Mr. Kong.

The more he thought about it, the more convinced he was.

‘But, how was my performance just now?

‘Passable?

‘Hmm... I can’t really tell.’

After that, he started to think further. ‘At such a crucial time, the director definitely would not have asked such a simple question. So, there’s definitely a deeper meaning behind this!’

Then, he scrutinized every single detail and felt...

‘Perhaps... Su Yang is the key to my promotion...’

...

On the other hand, Cao Qiguang had just taken a breather when his phone rang.

He picked up his phone and looked at the caller ID. Then, he smiled because the caller ID showed Mr. Kong’s name. Hence, he knew that Mr. Kong must have made a decision after some consideration.

As for what that decision was?

‘There’s no doubt that Mr. Kong’s definitely chosen to be on the same side as me.’

Therefore, he answered the phone confidently and said with a smile, “Mr. Kong, do you have good news for me?”

Cao Qiguang’s confident words were met with Mr. Kong’s apology. “I’m sorry, Old Cao. The thing is... I won’t be able to do as you’ve asked for the time being.”

Cao Qiguang was surprised.

‘Something’s wrong, how could he possibly reject me? This doesn’t make sense at all.’

Therefore, he asked, “Mr. Kong, is it because of the price?”

Mr. Kong laughed. “No, it’s not about the price, but because of this Mr. Su that you’ve mentioned. He’s an outstanding customer of our bank, so of course he has to be prioritized.”

Key information would usually be revealed so casually, which Cao Qiguang has long but already known about since he has had dealings with people from various departments. Therefore, he immediately understood what Mr. Kong was trying to say... Su Yang was more valuable than himself, so there was no need for the bank to offend Su Yang and please a client like Cao Qiguang.

However, Cao Qiguang refused to believe it. He stood up and walked to the floor-to-ceiling window that overlooked the entire Shanghai. “Mr. Kong, Su Yang may be a valuable client of yours, but so are we. I understand that it might be inconvenient for you, but I still want to ask, how are we lacking compared to him?”

Mr. Kong was silent for a while. After a while, he said, “Old Cao, we’ve known each other for many years and have worked together numerous times during those years. So, I’m going to give you some heartfelt advice, you mustn’t be at odds with Mr. Su.”

Cao Qiguang’s heart skipped a beat. ‘Mr. Kong seems to have some hidden meaning behind that.’

Hence, he could not help but ask, “Mr. Kong, since we’ve already known each other for so long, could you... Be more elaborate?”

Hearing Cao Qiguang’s question, Mr. Kong hesitated for a moment, but he still explained, “I’ll disregard everything else, but didn’t you want to know how great he is? You see, he’s been the main “target” of our bank over the past few months.”

Cao Qiguang gasped when he heard Mr. Kong’s words because it was definitely not an easy task to be able to be targeted by the bank.

‘Either, Su Yang has a lot of extra cash to spare and the bank intends to covet that money. Otherwise, he’s borrowed a lot of money from the bank and the bank is afraid that they might end up with bad debt, so they’re trying their best to please him as much as possible.

‘However, no matter which one it is, it’s still not something any ordinary person is able to achieve.

‘So, it seems that Su Yang is indeed extraordinary.’

At that thought, Cao Qiguang could not help but raise Su Yang’s level of danger. In fact, he even placed Su Yang above... Another partner in his company, Old Zhang.

Cao Qiguang didn’t rashly continue asking. Instead, he said to Mr. Kong, “Alright, thank you, Mr. Kong. I’m sorry to have troubled you with this matter. I hope you won’t tell anyone about it.”

Mr. Kong smiled. “Don’t worry. I don’t want this matter to get exposed either.”

Actually, both of them each had their own ulterior motives, but they had a tacit understanding to keep such private matters to themselves. However... Even if they kept the matter under wraps, it did not mean that Su Yang would not find out.

After all, Su Yang had the [Space Traversing Eyes], which would activate the moment his name was mentioned.

Even though Su Yang had become famous and many people would talk about him, in order to avoid trouble, Su Yang raised the threshold of triggering this ability. However, he also left behind a condition that would be triggered when people he knew talked to him.

Therefore, when Cao Qiguang gave Mr. Kong a call, Su Yang had already known about it. Hence, Su Yang had been monitoring the entire conversation.

After knowing all that, Su Yang was on his guard. ‘It seems like Cao Qiguang isn’t a gentleman after all. He’s just been beaten up yesterday, yet he’s now planning to take revenge.

‘The only reason he isn’t able to carry out his plans is because I’m too strong for him.

‘Well then, I now understand how I don’t have to be afraid of being threatened so long as I’m strong.’

Furthermore, during the entire ordeal, Su Yang had a rough understanding of the few of them. ‘Cao Qiguang is my enemy, Mr. Kong can only be considered as a passerby since he goes along with the flow. As for Mr. Zhao... He seems like a pretty good person. After all, based on what he said, he’s the one who approved my loan.’

Su Yang was not someone who did not know how to reciprocate favors and knew that he had to keep his friends close to him and defeat his enemies. Coincidentally, he had long wanted to kick Mr. Shen away. Hence, Su Yang had a rough idea of how to deal with Mr. Shen and his bank savings.

After that, nothing huge had happened and the day ended very quickly.

At 3pm, Su Yang took a look at the time and asked Pan Zhaodi to return to the villa earlier to drive his car over since he had jogged to office that day instead of driving.

At 4 pm, Su Yang informed Chu Xia and left work early to pick up Tang Xiaomi together with Pan Zhaodi.

Since Su Yang was able to avoid the rush hour and had used the highway, they soon arrived at Tang Xiaomi’s kindergarten, which was a high-end bilingual kindergarten in Shanghai.

When they arrived at the kindergarten, it just so happened that they had just ended their lessons for the day. So, some parents and nannies were picking up their children from the kindergarten. After Su Yang got Pan Zhaodi to stop the car, he got out of the car and entered the kindergarten.