"For Miss Qin's sake, I'll give you five minutes to ask."
"However, after asking, it doesn't matter whether you are convinced or not, and whether you listen to me or not!"
Li Fan said calmly.
"Five minutes, just five minutes, we are still afraid of you!" Bai Qian said proudly.
Li Fan didn't comment and went straight to the first place, where Shi Shiran sat down.
Bai Qian rolled her eyes at him angrily, then walked over and quickly exchanged opinions with several managers.
A few minutes later, she said with a proud look on her face:
"Li Fan, we won't embarrass you. The question is very simple. Just listen carefully."
"If you are the president of a bank, you now need to choose one of two companies to issue loans."
"Among them, Company A is larger in scale and has sufficient funds. It has no new projects in hand and has no obvious willingness to lend money. Company B is small in scale and lacks funds. It has a new project in hand and is in urgent need of funds."
"Who would you like to lend money to? Please explain why."
Everyone looked at Li Fan eagerly to know the answer.
This question is not too difficult, but it is difficult for non-professionals to explain it clearly.
"You are quite honest. This question is indeed quite simple." Li Fan joked.
"Then it's your choice. If you make the wrong choice, don't blame others. I have done my best to be benevolent and righteous." Bai Qian said proudly.
If Li Fan couldn't answer this question, knew he was embarrassed, and chose to quit voluntarily, then the lady can't blame her.
"Then what if I get the answer right?" Li Fan asked.
"If you answer correctly, we will naturally be convinced. We will do whatever you say, right?" Bai Qian was full of confidence.
Everyone nodded in agreement.
"You will do whatever I say?" Li Fan asked.
"Of course, it's okay even if I kowtow and serve you tea." Bai Qian affirmed.
"Okay, I hope some people will keep their word later." Li Fan smiled lightly, meaning something.
In the expectant eyes of everyone, Li Fan slowly said the answer.
"In fact, the answer is very simple, of course, choose Company A."
Everyone couldn't believe it and was in an uproar.
He got the answer right, couldn't he have guessed?
Bai Qian asked angrily: "What's the reason? Company A obviously has money and doesn't need loans, but company B has projects and has more investment potential. Why did you choose company A instead of company B?"
Li Fan raised the corners of his mouth slightly and said confidently:
"Let me give you an example. Suppose you have one million in cash. There are two families in your village. A has tens of millions in savings and seven or eight houses. They lie flat every day and have nothing to do. B is impoverished. Not only does he have no savings, but he also has no money. He doesn’t have a house, but every day he thinks about doing business to make a lot of money and become rich.”
"Tell me, who are you willing to lend your one million to?"
"I'm not a fool. Of course I'm willing to lend it to A. If B doesn't come out, my one million will be wasted." Bai Qian blurted out.
"Well said." Li Fan smiled and said, "Since you are not a fool, then the bank must not be a fool either."
"You..." Bai Qian was so angry that her pretty face turned red and livid.
This guy just answered the question, but he dared to beat around the bush and scold her!
Li Fan stood up and continued talking:
"When banks grant loans, their first consideration is not profit, but the safety of the principal."
"Quality customers like A have deep pockets and the ability to resist risks. Of course, banks are willing to lend to them and collect interest."
"Small businesses like B are short of funds. Although they may have some high-quality projects, there are still many uncontrollable factors before the success of the project, and they may die at any time. By then, the bank will lose all its money and it will be too late to cry."
"Do you think the bank would be that stupid?"
"No." Everyone shook their heads.
"That's right." Li Fan smiled lightly and said, "Okay, five minutes are up, the questions are over."
These fools are so unlucky that they hit the muzzle of a gun just by asking a question.
Du Wanjin and President Zhang explained it to him in detail. If he didn't know how to do this, he might as well buy a piece of tofu and get hit to death.
Everyone was stunned for a while.
Li Fan actually answered the question, and explained it in a simple and in-depth manner using such easy-to-understand examples.
"Li...Director Li, we admit defeat, please take a seat."
Several managers are still aware of current affairs, and they have to admit that they have lost the bet.
What's more, the person standing behind Li Fan is Miss Qin.
Li Fan nodded, said nothing, and looked at Bai Qian with a half-smile.
"I...I also admit defeat, you win." Bai Qian said reluctantly, pinching her nose.
"That's it? It's over?" Li Fan said calmly: "Didn't some people just say that if you lose, you have to kowtow and offer tea?"
"Li, you..."
Bai Qian raised her head suddenly, her face suddenly flushed red, her eyes widened, as if she was about to spit out fire.
Bullying goes too far, this guy will not forgive you!
She knew that Li Fan was not a good person.
Li Fan smiled and waved his hands indifferently:
"Oh, forget it, no need."
"In our hometown, we kowtow and serve tea, which is used for apprenticeship. If I really had such a stupid apprentice, wouldn't I be pissed off every day?"
"you……"
Bai Qian felt relieved at first, and then her fingers trembled with anger.
She was the personal assistant of the dignified eldest daughter of the Qin family. Wen Ke went to the sky to catch the moon, and Wu Ke went to the sea to catch turtles. How could she be so stupid?
Why did this soft-hearted man dare to look down on her and even despise her as his apprentice?
"What are you? Do you want to kowtow and serve tea on the spot and worship me as your master?"
"Why don't you leave? Didn't you say that you're going to the project bidding site? I'm very busy and don't have time to hang out with you."
Li Fan glanced at her lightly and said in an angry tone.
Bai Qian endured it again and again before she yelled.
She repeatedly warned herself to endure the anger for a while, and the future would be long.
Otherwise, if she gets desperate, this guy will really make her kowtow and serve tea on the spot, which would be a huge loss of embarrassment.
…
On the other side, He Manting received a notice from Jiangcheng Bank early in the morning that Manting's company's loan approval had been approved.
He Manting was surprised and happy, and couldn't believe it.
Didn't President Zhang clearly reject her yesterday? I didn't expect things to turn around so quickly.
It wasn't until she went to the bank to complete the procedures and get the loan contract that she came to her senses.
He must have asked Wang Guanxi for help yesterday, and Wang Guanxi actually helped!
She immediately called Wang Guanxi.
"Master Wang, I want to thank you very much. I didn't expect you to be so efficient. The loan approval from Jiangcheng Bank has been approved."
He Manting thought that she had only asked Wang Guanxi for help, and took it for granted that it was Wang Guanxi who helped her break up the relationship.
It seems that Wang Guanxi was not bragging at all when he said he had a good relationship with the bank.
"Huh? Oh! You're talking about the loan. It's such a small thing. I just said hello and I took care of it. I forgot to tell you."
Wang Guanxi was stunned at first, but he quickly came back to his words and took the credit without any shame.
