I'm reborn and I'm an international student again?

After leaving the sanatorium, Chen Xi drove straight to Huade Science and Technology Park.

Meanwhile, at a shopping center in Xinlu City.

Zhang Xuan ate her ice cream listlessly, while her male best friend Wu Yan sat across from her.

"Why did you call me out again?" Zhang Xuan glared at Wu Yan, annoyed.

"Of course I miss you," Wu Yan said with a grin.

"roll!"

“It must be so boring staying home with the kids every day. Wouldn’t it be nice to come out and relax?” Wu Yan tried to comfort him.

“My husband has been very busy lately, but he will spend time with me when he has free time.”

Zhang Xuan snorted coldly, concealing her inner unease.

Actually, she and Chen Yifeng had been arguing constantly during this period, and she vaguely sensed that Chen Yifeng's business was in trouble. This was because she had overheard him mentioning things like collecting debts on the phone several times.

But she was strong-willed by nature and would never reveal these things to outsiders.

Wu Yan could tell that she was in a low mood.

He had previously tried to invite Chen Yifeng to see an exhibition but was rejected, so he had a pretty good idea of ​​what was going on.

"I've noticed Chen Yifeng seems quite overwhelmed lately. Is business not going well?" Wu Yan asked, feigning concern.

“Even if things aren’t going well for me, I’m still richer than you!” Zhang Xuan retorted sarcastically.

“That’s hard to say,” Wu Yan said in a low voice. “Several villas in your neighborhood have been auctioned off recently. Business is tough these days, and who knows, one day…”

"..." Zhang Xuan was speechless for a moment.

What Wu Yan said is true; several business owners in the neighborhood have indeed gone bankrupt.

“Xuanxuan, Chen Yifeng is not young anymore. Older men like him are very calculating, and money always comes before women. You need to plan for yourself soon.” Wu Yan leaned forward.

How could Zhang Xuan not understand these principles?

"Hmph, it's none of your business, you idiot, to teach me!" Zhang Xuan said coldly.

Huade Science and Technology Park, conference room.

The atmosphere was tense.

General Manager Chen Caiyue sat in the main seat, his face ashen: "Everyone knows what's going on in the factory right now: declining profits, reduced equipment output, shrinking orders, and unstable quality! What's even more outrageous is that someone is actually cheating..."

He has never had a good time since he became the general manager.

He couldn't be ordered around by the Chen family, and the Zhang family was even more impenetrable; he had absolutely no authority in the factory.

Today, he decided to take action against the Zhang family to establish his authority.

"Zhang Yan! Zhang Tao!" Chen Caiyue slammed his fist on the table. "I warned you about the last time you stole materials from the factory! Not only did you not stop, you escalated your actions, and now you're even trying to steal the company's core software..."

"Chen Caiyue, stop putting on airs! You just want to mess with us brothers, don't you? Why come up with so many high-sounding reasons!" Zhang Yan interrupted him without any politeness, slamming his hand on the table and standing up as well.

"Exactly!" Zhang Tao chimed in, slamming his fist on the table and roaring, "How much does the software cost? It's bundled with the device! Don't you understand?"

"Binding? The device has a protection mode that encrypts and stores the latest data to prevent leaks during maintenance and malicious damage! You think I don't know that? You secretly sold the administrator privileges to outsiders, just so that our competitors could disassemble and copy our equipment?!" Chen Caiyue laughed angrily.

Touched on a sore spot, Zhang Yan flew into a rage and slammed the pen on the table away. The pen shot like an arrow straight towards the conference room door!
Just then, the conference room door was pushed open.

A figure flashed in, and in a split second, caught the pen flying towards his face. Without even looking, the newcomer flicked his wrist, sending the pen flying back the way it came!

"Ah!" screamed.

The pen struck Zhang Yan squarely in the eye socket, causing him to crouch down, clutching his eye and cursing under his breath, "Bastard! Which bastard is that!"

"Brother! How are you?" Zhang Tao quickly helped Zhang Yan up, checked him over, and thankfully found it was just a superficial injury, which made him breathe a sigh of relief.

He turned angrily to the young man at the door: "Who the hell are you? How dare you throw something at people! Don't you want to work in this factory anymore?"

The young man remained expressionless and coldly retorted, "Do you know who I am?"

"I don't care who you are! If you dare touch my brother, you can forget about ever stepping into the factory again!" Zhang Tao didn't recognize Chen Xi at all, assuming he was just a newly recruited college graduate.

"Chen Xi? What brings you here?" Chen Caiyue stood up in surprise to greet him when she saw who it was.

Relying on his status as a member of the royal family, Zhang Tao remained defiant: "You're not a company employee, can't you see we're in a meeting? Get out!"

"Get out?" Chen Xi walked to the conference table as if no one else was there, pulled out a chair and sat down casually. "Who do you think you are? Ask everyone here, does anyone agree with you asking me to leave?"

Zhang Tao looked around. The conference room, which had been noisy just moments before, was now completely silent. Not a single person dared to speak up in support of him.

He was so angry that his face turned red and his fists clenched so tightly they cracked.

"Uncle Chen, continue your meeting," Chen Xi said calmly, leaning back in his chair.

Chen Caiyue looked at the mess in front of her, her face darkening: "...Let's call it a day."

You've made such a mess of things, how am I supposed to start the business now?

After the general manager spoke, everyone felt as if they had been granted a pardon and quickly got up and left the conference room.

Zhang Tao was unwilling to accept this and wanted to go forward to argue, but Zhang Yan, who was covering his eyes, grabbed him and forcibly dragged him out of the conference room.

"Brother! Why did you pull me like that!" Once they were in a secluded spot, Zhang Tao shook off Zhang Yan's hand and asked with dissatisfaction.

Zhang Yan's uninjured eye gleamed with a sinister light: "Stupid! We'll only lose if we go head-to-head. I heard this kid and his mother are running their own business outside, specifically trying to steal business from Huade! I just saw him exchanging glances with that old bastard Chen Caiyue; their relationship is definitely not ordinary. Why don't we just go and complain to Chen Yifeng, saying that his son is trying to poach our employees and colluding with Chen Caiyue to bring down Huade? Chen Yifeng hates that the most, and Chen Caiyue will definitely be fired then, and our good days will begin!"

Zhang Tao's eyes lit up: "You're so smart, bro! And those eyes of yours..."

Zhang Yan winced in pain, growling viciously, "Damn it, I'll remember this! I'll make this kid pay!"

General Manager's Office.

Chen Caiyue poured Chen Xi a cup of tea, her face full of worry.

Chen Xi took the teacup and said bluntly, "Uncle Chen, why haven't you gotten rid of those two parasites in the Zhang family yet? Are you keeping them around for the New Year?"

"Clean them up? Easier said than done!" Chen Caiyue sighed heavily. "They rely on being relatives of the chairman and don't respect me at all! I can't control either the Chen family or the Zhang family! Before, your uncle and third uncle were there, which could barely keep the Zhang family in check. But now, your uncle is taking care of the old man, and your third uncle... sigh, he sleeps all day at home, oblivious to everything. I'm all alone now, I can't do anything about them!" "Oh dear, you're the general manager and factory director now, you should use the power you're entitled to. Otherwise, when the factory collapses, your position will be meaningless, won't it?" Chen Xi looked at her with amusement.

Chen Caiyue is quite ambitious. In her previous life, she betrayed Chen Yifeng, yet she eventually built her company into the number one in the industry.

"Oh, I understand the logic, but I really don't dare to do anything reckless. Forget about calling me general manager or factory manager, at the end of the day, I'm just an employee!" Chen Caiyue shook her head with a smile.

"By the way, how are the results from the research institute in Baxi? I ​​heard from Uncle Hu that there seems to be some new breakthroughs?" Chen Xi asked tentatively.

He clearly remembered that in his previous life, Chen Caiyue had made his company grow rapidly by appropriating the research results from that place for his own use.

"Ah...it seems Mr. Chen mentioned it briefly, but I didn't ask about the specific details..." Chen Caiyue seemed a little hesitant.

"Seriously? Old Chen doesn't even care about Huade anymore, and you, the head of the family, don't care about it as much as he does? That won't do." Chen Xi laughed.

"Sigh... there are one thing after another at the factory, and I really can't keep up," Chen Caiyue sighed.

"I can see you're feeling frustrated working here. Why don't you come to Xinde? I guarantee the pay won't be worse than here, and more importantly, you won't have to put up with this!"

"Huh? Well... your dad has treated me well, so I'll stay in Huade for now."

Caught off guard by Chen Xi's barrage of questions, Chen Caiyue was momentarily at a loss for how to respond.

His original plan was to wait until Huade really couldn't hold on any longer, then propose to Chen Yifeng that he lease the brand and factory buildings, find other factories to do OEM manufacturing, and give Chen Yifeng a fixed share of the profits every year. Once he had a firm foothold, he would start his own business.

Actually, there's nothing wrong with this strategy.

In his past life, he did succeed.

But Chen Xi, who knew all about it, naturally wouldn't just stand by and watch him bring down Huade like he did in his previous life.

“A few years ago, Huade consolidated the market and eliminated a lot of no-name machine tool brands. But the machine tool industry is highly profitable, and many people are envious. In recent years, seeing that Huade is not doing well, those small factories have sprung up like mushrooms after rain. I won't hide it from you, Xinde is planning to take action next and properly clean up these no-name brands. I still have feelings for Huade and don't want it to just disappear like this. So Uncle Chen, you still have to work harder and help me clean up the parasites in the company first, so that I can take over the consolidation later.” Chen Xi smiled and took a sip of tea.

These words sent a chill down Chen Caiyue's spine.

His original plans were completely disrupted by Chen Xi, and he probably needs to reconsider his future path.

"By the way, my younger brother Chen Zhou is almost graduating. I'll have him do an internship at the factory for a while."

"Huh?" Chen Caiyue was startled again upon hearing this.

What will he do if another little tyrant comes along?

"Don't worry, just manage it however you want. Maybe he can even take care of the Zhang family's problem while he's at it," Chen Xi said with a sly smile.

His cousin, just like him, was not someone to be trifled with.

I once broke someone's arm with a single kick back in school. With a height of over 1.9 meters, I doubt the Zhang brothers would dare to mess around.

Chen Zhou was impatient, and Chen Xi wanted him to get some experience first.

The main concern is that he might do what he did in his previous life: run an English training school and end up losing everything.

“Okay…okay, but this still needs your dad’s approval…sigh, never mind…if he doesn’t agree, the big boss will get angry with me…” Chen Caiyue immediately changed her mind when she thought of Chen Mingli’s aggressive mouth.

As Chen Xi had predicted, bank stocks began to plummet in the following period.

The sharp drop in domestic bank stocks is not entirely the same as the situation abroad.

If not for human manipulation, there are roughly four main reasons for the sharp decline in domestic bank stocks: first, the series of defaults in real estate debt; second, the transmission of the local debt crisis; third, the narrowing of net interest margins; and fourth, policy intervention.

The volatility of overseas bank stocks often stems from interest rate inversion triggering crises, commercial real estate collapses, risks associated with virtual currencies, hefty fines for regulatory compliance violations, and the backlash from geopolitical sanctions.

Overall, the real estate market collapse and policy intervention are the common causes of these two issues.

Currently, more and more people are unable to repay their loans, and the scale of bad debts related to credit cards in banks has exceeded two trillion yuan.

It must be said that the Chinese people are indeed clever.

As the saying goes, when money is short, someone has to fill the gap, so clever bankers came up with a good solution.

They set their sights on major corporations.

Generally speaking, most of the clients who borrow from banks are corporate clients, and the loan contracts they sign with banks are for huge amounts and have varying terms.

Banks and some institutions already have vested interests in each other, and now that they are struggling to survive, they naturally need to find someone to provide them with financial support.

This time, the banks chose these very institutions as scapegoats.

They first contacted the company, claiming that the loan was about to expire and demanding that the company repay the loan first before signing a new contract to renew the loan.

However, most companies simply cannot come up with so much cash at once, and in the past, such situations were usually resolved through private communication with the bank president.

However, the bank urgently needs to recover funds, so it reached an agreement with the company to introduce a bridge loan intermediary.

This method has been used before, but this time, the bank also dragged the intermediary into the mess.

They instructed business owners to borrow money from intermediaries to bridge the gap, but after the businesses repaid the loans to the banks, the banks refused to approve any new loans.

So the businesses and organizations were essentially tricked.

This is one of the reasons why Chen Yifeng received a large number of banker's acceptances before.

If a company simply doesn't have the money to pay, it can only issue IOUs to settle the debt.

Inside a bank.

Chen Yifeng, his face ashen, sat in the chair in the bank manager's office: "Manager Wang, whenever your bank had difficulties in the past, when didn't I lend you money to tide you over? Now that I need money, you're telling me you can't come up with it? My money is with you, where did you move it to?"

The bank manager across from me said with a forced smile, "Oh, Mr. Chen, please don't be angry... The bank has indeed encountered some special circumstances recently. I need to borrow your money for a while. Don't worry, it's not that I can't give it to you, it's just that I'm currently short of funds."

"You need to understand, this is my money, not yours. Whether you give it to me or not is your business, but I have to get it now." Chen Yifeng's anger flared, and his voice rose.

He lent hundreds of millions of yuan to the banks each time, and this money was usually used to help the bank president cover bad debts and deal with inspections.

The bank will naturally pay him some interest as a return.

Although this situation had never occurred before, Chen Yifeng himself is now facing a tight cash flow problem.

The shareholders' dividends can no longer be delayed!
"I know, I know. Don't worry, I'll contact you as soon as the money arrives." The bank manager replied with a fawning expression. (End of Chapter)