Jiang Wentao? If he remembers correctly, this role was played by Qiu Guan.

Although he is not a beauty, he is a handsome guy after all. The twenty-year-old Qiu Guan is in his peak appearance, and Zhou Wenqiang really wants to meet him.

But let Jiang Wentao be his secretary, this position should be left to the beautiful woman who is pleasing to the eye no matter how you look at it. With Jiang Wentao's qualifications, if she can pass his test, she may be his assistant to the chairman.

Half an hour later, Zhou Wenqiang met this future "civilian philosopher" in the chairman's office of the Northwest Company.

When he saw Jiang Wentao when he was young, Zhou Wenqiang finally understood why he was profit-oriented and only recognized money but not people.

At this time, Jiang Wentao was completely handsome when Qiu Guan was young, especially his eyes, which were clearly black and white, extremely agile, as if they could discharge electricity. Not to mention women, men could not stand it when they saw it, and they always felt that he was secretly sending Qiu Fu.

His hair was neatly maintained, and the gray suit had been washed slightly faded, but wearing it still gave people a very comfortable feeling. Qiu Guan's figure has always been very good, so good that Zhou Wenqiang felt a little jealous.

It can be seen that this is a young man who is economically ill but pays great attention to his own image and has infinite ambitions for money and status.

Zhou Wenqiang has always liked people like Jiang Wentao, because if you have ambition, you will have weaknesses and will be easier to control!

What he is most worried about now is Jiang Wentao's ability. After all, the 20-year-old Jiang Wentao is not the legendary figure of winning streaks in court in the future, and is still in a stage of growth that everyone must go through.

If he lacks ability, he will still be passed away, and Qiu Guan will not be ashamed.

"You are Wen Tao, right? I heard from the lard boy that you are really a very energetic young man. Please sit down, don't be restrained."

Zhou Wenqiang smiled and pointed to the seat opposite the desk and said.

"Thank you, Mr. Zhou."

Zhou Wenqiang is actually half a year younger than Jiang Wentao, but this sentence "young man" is not inappropriate in his words. Even Jiang Wentao himself takes it for granted.

Now Zhou Wenqiang is a legend among the young people around 1990s and 20s in Hong Kong. He is a popular idol. If some of his deeds are written into biography, Jiang Wentao will buy them without hesitation and then treasure them.

Today, when Jiang Wentao was able to see Zhou Wenqiang, his heartbeat was more than a hundred times. He had to try his best to control himself so that he would not lose his composure.

"I heard from the lard boy that you are talking about? A prodigy in the legal industry, graduated from college at the age of nineteen? In just one year, I obtained a lawyer license..."

Zhou Wenqiang smiled and said, "No doubt? You are very excellent. But I want to know more? What are the plans for an outstanding talent like you in the future? Should I continue to be a lawyer in my business? Or should I be a big deal that depends on a lawyer to give me food?"

"I......"

Jiang Wentao didn't know how to answer for a moment.

Of course, his ideal is to be a barrister, but with his qualifications and connections, it will be very difficult to be a barrister.

This has nothing to do with ability? The Hong Kong legal community also pays attention to seniority. The parties involved will not invite him to appear in court because of his name as a "legal prodigy". After all, no one will believe a young and rude person.

I chose to be a lawyer because I could have a stable income? But this income is very meager? In this era, not even a skilled worker earned much.

It is certainly OK to have a seniority, but even with his talent, it takes about five years to achieve a small success. Isn’t Jiang Wentao a person who likes to wait? After reading his resume, you will know that when he graduated from college from childhood, he has never wasted his time in waiting.

Zhou Wenqiang is undoubtedly his shortcut to Zhongnan? This is also his purpose today.

"If you don't talk about legal ideals in front of me and keep the poverty, you will be a smart person..."

Zhou Wenqiang saw through his thoughts at a glance? He smiled and said, "I like smart people like you. So? Can I tell you straight to the point? Beiwang Company needs talents very much, and... the position of the assistant chairman is still hanging."

"It's like a ripe peach, young man, are you able to pick him?"

Jiang Wentao's breathing suddenly became rapid. He raised his head and stared at Zhou Wenqiang seriously: "I have two goals when I come to see Mr. Zhou today. The first is to pick my peaches, and the second is to help Beiwang Company to pick one bigger and sweeter peach after another!"

"Mr. Zhou, I am frank, Beiwang Company needs talents like me very much, otherwise you will lose unimaginable benefits. Your subordinates will not be able to help you, and the only one who can help you is me, Jiang Wentao!"

"Haha, I'm not a little angry."

Zhou Wenqiang pulled out two Had Gate, lit one by himself, and threw one for Jiang Wentao: "It's useless to just talk big, I want to see your strength."

"Now, there is a case, I want to hear your opinions. Beiwang Company needs to expand its development further, and I need a lot of funds, so I am ready to propose a loan to the bank, and the target bank is Hang Seng at the moment."

"How do you think you should borrow this loan, what kind of plan should you make, and how to negotiate with Hang Seng Bank? You know, I don't want to use the fixed loan contract from Hang Seng Bank, which is not suitable for Beiwang Company."

"Wen Tao, if I leave this case to you, what extent can you do without breaking the law or the rules? The condition is: I must obtain the best benefits in the loan process!"

After saying that, he gently spit out two smoke rings and waited for Jiang Wentao's answer.

Jiang Wentao only considered less than ten seconds before answering: "Mr. Zhou directly locked the target bank as Hang Seng, which shows that the relationship with Hang Seng Bank is not ordinary. I guess you or Beiwang Company should be a major customer of Hang Seng, right? Otherwise, it will not be explained why you didn't choose HSBC with stronger strength."

Zhou Wenqiang nodded: "Guess it, continue talking."

"If this is the case, the two sides will have the basis of 'in-depth' cooperation..."

Jiang Wentao subconsciously leaned back, which was a sign of his confidence in relaxing behind his chest: "Hang Seng Bank should be strictly called the 'Hang Seng Bank', and its business volume is not as good as that of a real commercial bank."

"However, since the major shareholder Li Guangwei was invited to join, Hang Seng has established good relations with old banks such as HSBC and Chase because of its overseas gold transactions. Therefore, even in its ancestral land in the UK, it has a high rating for the bank account."

"At the same time, because it is still a bank account, Hang Seng is currently in a period of rapid development. Their business model is very flexible and easier to adapt than those old banks. Mr. Zhou chose to borrow from Hang Seng, which is really unique in vision."

"Um?"

Zhou Wenqiang looked at Jiang Wentao deeply. He is worthy of being a legendary figure in the future. Although he is still a small lawyer, he knows this so well about the banking industry. He knows Hang Seng well. It seems that he really underestimates him.

Jiang Wentao continued: "I wonder how much Mr. Zhou is planning to borrow and how much interest is going to pay to Hang Seng?"

"Well, with the strength of Northwatch Company, a loan of one million should not be a problem. As for the interest rate, of course, the lower the better."

Zhou Wenqiang thought for a while and said, "The current economic environment is not good, and Hong Kong and Kowloon are even tightening money. The loan interest rate on the market is generally around 10%. But since this case is handed over to you, I certainly hope to hear a more satisfactory number."

"One million...this is not a small amount. It is a huge sum of money for the current Hang Seng Silver."

Jiang Wentao smiled and said, "But I am confident that through financial operations, I will lower the loan interest rate to 8% or even lower."

I thought Zhou Wenqiang would be shocked after he said this, and Jiang Wentao was also prepared. He would explain it clearly to the future boss with great calmness, which surprised him at him, but he didn't expect that Zhou Wenqiang just smiled faintly: "It sounds good, tell me your specific thoughts."

Although Jiang Wentao was a little disappointed, he still patiently explained: "We must first sign a loan contract with Hang Seng Bank, and set the contract interest rate to 10%, and then Hang Seng Bank will lend us the million... Next..."

"Next, Hang Seng Bank can transfer the debt to a third party with one million principal and interest on loan according to the provisions of British law on the transfer of debt."

"The person who purchased this claim can be a British, a Lighthouse, or a Neon. They only need to pay 1.05 million Hong Kong dollars, or 1.06 million Hong Kong dollars to buy a claim of 1.1 million, but they must claim the claim from us after the agreed time expires..."

Zhou Wenqiang bounced the ash and said, "Taking the one million loan from Hang Seng Bank as an example, the one million loaned by Hang Seng Bank was quickly recovered from the third-party creditors who purchased the creditors. They had no risk, and we obtained a one million loan.

Even if we and Hang Seng Bank each obtain 30,000 yuan in loan interest, we will obtain a loan far lower than the market interest rate at a loan rate of 7%. Moreover, there is no violation of laws and regulations in the whole operation, and there are also British laws as a guarantee."

"If we go further, we can lend this million to the debtor who is insured by the bank, and directly obtain the debt, and then sell our debt through Hang Seng Bank. By earning the loan difference only, we will make a profit of at least 10,000 or 20,000 yuan each time, and in principle, it can be operated unlimitedly."

"This is because our basic conditions are very good: first, the excellent assets of Beiwang Company can dispel any bank and third-party buyers. Second, it is the particularity of Hang Seng Bank and their credit endorsement in the international gold market. Wen Tao, what I said is right?"

"Mr. Zhou, you are bolder than my ideas..."

Jiang Wentao was stunned.

He just thought of reducing loan interest rates through a series of financial operations. However, he thought that Zhou Wenqiang was even more powerful and directly created a "infinite nesting doll" financial model?

This is not because he lacks ability, but because his courage and courage are not as strong as Zhou Wen's, so he doesn't think about this aspect.

I'll lose it! If you follow Mr. Zhou's ideas, it's really faster than grabbing money!

"Bold is boldness, but this is just a theoretical operation. If you really play like this, let alone whether Hang Seng has the courage to do it. What Beiwang wants to overdraw is his own credit..."

"So I'm not going to play finance like this, because what Beiwang always has to do is industry. Only industry is the most reliable and real wealth!"

Zhou Wenqiang hasn't said anything more deeply.

Because even if he said that Jiang Wentao, who was restricted by the times, would never understand how terrible the "subprime mortgage crisis" is. If everyone learns to play like this, once a financial crisis is triggered, they don't know how many people will die, and it may even cause a war!

"Okay, Wentao, you have passed my test. From today on, you will be my temporary assistant. In a month, you will likely become my formal assistant."

Zhou Wenqiang smiled and stretched out his hand to Jiang Wentao, saying, "I believe that one month is enough for me to see you clearly, and it is enough for you to carefully consider whether to stay in Beiwang. When you officially become my assistant, you will be the 'superior Jiang' of Beiwang Company!"

"Thank you Mr. Zhou!"
Chapter completed!