Hong Kong Tycoon: Starting from Delivering Dongfeng Express

Chapter 131 Fatty: We're so grateful to Mr. Ye!
In the public housing estate, a table was set up in the lobby on the first floor, where several housewives were playing mahjong together.

"Eight tubes!"

"I won! A pure suit of all pairs!" Fatty exclaimed excitedly as he pushed over the row of mahjong tiles in front of him!
"Wow! Fatty, you've won five rounds in a row! Are you cheating?!"

Fatty slammed his fist on the table: "Roar! I'm blessed by the God of Gamblers today, I'm on a winning streak! You bunch of gossipy old women, are you trying to renege on your debt? Hand over the money, hand over the money!"

Just then, when an old woman carrying a vegetable basket walked in through the door, Feifei immediately stood up with a smile:

"Wow, Grandma Cai, you bought so many groceries! Let me help you carry them!"

Grandma Cai smiled and waved her hand: "No need, no need, it's just a few steps!"

"Hey! I remember exactly how much you owe me, I'll come back to collect it later!"

Feifei yelled at the mahjong table as he walked over and took the vegetable basket from Granny Cai.

"I'm so sorry, I've kept you from playing cards."

Fatty waved his hand: "We're all neighbors! We've been sitting here playing cards for so long, I thought I'd better get some exercise!"

Then she asked Grandma Cai, "Grandma, do we have guests at home today?"

Grandma Cai smiled and said, "Yes! Ah Sheng is coming over for dinner today, so I'll have to cook a lot of dishes~"

Feifei immediately exclaimed, "So it's Mr. Ye! Grandma, only a beautiful and virtuous girl like your Mei is worthy of a man as capable as Mr. Ye!"

Grandma Cai was delighted to hear this and said with a smile, "It's just a matter between young people; as long as they get along, that's fine."

The two chatted and laughed as they walked upstairs.

"Aunt Piao, come over for a visit sometime!"

"Definitely! Definitely!"

After taking Grandma Cai home, Feifei wanted to go downstairs to play mahjong again, but when she got to the stairwell, she bumped into Radar Dart, who had a dark expression on his face.

"Huh? You didn't go to work today? Why are you back so early?"

Lei Dabiao hadn't told his wife about going to the bank today, but now he felt extremely frustrated and desperately needed someone to talk to, so he dragged his wife home and told her everything that had happened that day.

Fatty slammed his hand on the table: "This is outrageous! What's the difference between them and treating beggars like this?!"

Both of them were furious, feeling that Daoheng Bank was bullying them too much!
But a moment later, anxiety resurfaced in Fatty's eyes: "Honey, what do we do now?"

"Hmph! I'll pretend this money never happened! I, Radar Dart, would rather starve to death than sign this buyout agreement with Daoheng Bank!"

Feifei sighed as she watched her husband's stubborn temper flare up again. If there was no hope for this money, then so be it, but now that depositors with less than 5 yuan could withdraw it, it seemed like there was still hope, which made her eager to try it.

Suddenly, she thought of the neighbor next door and quickly pulled Lei Dabiao, saying, "Honey, Mr. Ye is here today. Shall we go ask him if he has any ideas?"

Radar Dart's eyes lit up when he heard this. Just because he couldn't think of a solution didn't mean Mr. Ye couldn't!
Some time later, at Ruan Mei's home.

After listening to Radar Dart's story, Ye Dongsheng clicked his tongue twice. This Daoheng Bank is too stingy. Radar Dart has nearly 20 million in deposits, and you want to buy it out for 50,000? It should at least be a six-figure sum!
Ruan Mei showed her indignation. After she and her mother-in-law moved into the public housing, the Lei Dabiao family had taken good care of them. Now that they had encountered this situation, Ruan Mei felt a sense of shared indignation and also felt that the bank had gone too far.

"Brother Sheng, is Uncle Biao and the others really out of hope of getting their money back?"

Ye Dongsheng shook his head: "It's difficult. Essentially, this money is still related to Radar Dart and Hengfeng Bank. Daoheng Bank can completely shirk its responsibility."

Feifei quickly asked, "But didn't they already acquire Hengfeng Bank?"

"That's where Daoheng Bank's cleverness lies. They solved the problem of depositors with less than 5 yuan, divided most of the public opinion, and were able to build a good reputation and win people's hearts."

I dare say that at least half of these depositors will develop a favorable impression of Dao Heng Bank because of this and continue to deposit their money there.

Radar Dart and Fatty exchanged a glance. If it were them, it would probably be true!

Ye Dongsheng continued, "As for the remaining depositors with more than 5 yuan, firstly, it's difficult to deal with them, and secondly, they may lose all their deposits as a result. They are no longer considered high-quality customers, so we might as well abandon them."

Moreover, Daoheng Bank won't say they won't pay, but they can drag it out indefinitely; taking it to court won't change anything.

Ruan Mei frowned, then asked, "What benefits would they gain from acquiring Hengfeng Bank?"

"Of course! First, it will expand our business and allow us to take over the communities where Hengfeng Bank used to be located. Second, we can acquire some rare licenses held by Hengfeng Bank. And then there's the repayment from high-quality mortgage customers like myself!"

Ye Dongsheng pointed to himself and said.

Ruan Mei's eyes widened: "Huh? Brother Sheng, you..."

Ye Dongsheng nodded and said with a smile, "I still owe Hengfeng Bank a lot of money, they will definitely come to collect the debt!"

Just then, the phone rang.

A moment later, Ye Dongsheng hung up the phone and said to Ruan Mei, "Speak of the devil, and he appears! I'll arrange for them to discuss this matter at the store tomorrow."

At this moment, both Lei Dabiao and his wife looked dejected. Lei Dabiao asked unwillingly, "Mr. Ye, does that mean we really have no choice but to accept their agreement and take 5 yuan?"

Ye Dongsheng said tactfully, "It's not that we can't talk, but I don't think they'll budge on you."

Radar Dart instantly understood Ye Dongsheng's words. If the Governor of Hong Kong had deposited 2000 million, Daoheng Bank would definitely not lose a single penny. However, ordinary people like him, who had no power or influence, were the ones who would be exploited.

Radar Dart sighed: "I don't really want to expect to get 2000 million back. Even if you give me 50 so I can buy a house, I'll be content!"

Fatty next to him also muttered, "5 is too little!"

Ye Dongsheng stroked his chin and said leisurely, "If you're really willing to buy it out for 50, that's not impossible."

Radar Dart and Fatty immediately raised their heads, their eyes filled with longing as they looked at Ye Dongsheng: "Mr. Ye, please enlighten us!"

Ye Dongsheng smiled and pointed to himself again: "Sell it to me!"

Everyone in the room was taken aback. Lei Dabiao and his wife exchanged a glance and asked uncertainly, "Mr. Ye, what do you mean...?"

"Literally, if you're willing, I'll buy out your savings for 50." Fatty's eyes lit up with surprise: "Mr. Ye, this money is very difficult to get back. Are you really willing to buy it for 50?"

Ye Dongsheng nodded.

Feifei excitedly thanked Ye Dongsheng, "Thank you, Mr. Ye! Thank you, Mr. Ye!"

Ye Dongsheng waved his hand: "No need to thank me. I'm buying it for a profit. I'm glad you don't mind that I got a bargain. Or you can ask around elsewhere."

Radar Dart jumped to his feet: "No need to ask anymore, Mr. Ye, we believe you!"

Feifei, beaming with joy, exclaimed, "Yes! We'd be more than satisfied with 50! We're so grateful to Mr. Ye!"

After this ordeal, the couple realized that they really couldn't hold onto the windfall of 2000 million. Instead of racking their brains and wasting time with the bank, they decided to seize the 50 in front of them and buy a house to improve their family's situation.
As for how Ye Dongsheng would use the deposit after buying it, or how much money he could make, they didn't care, and knew it had nothing to do with them, because it wasn't money they could earn.

After Lei Dabiao and his wife returned home happily, Ruan Mei asked with some concern, "Brother Sheng, are you really going to spend 50 to buy it?"

Ye Dongsheng chuckled and gently pinched Ruan Mei's nose: "What? Mei, are you worried I'll get the short end of the stick?"

Ruan Mei blushed and clasped her hands together: "I...didn't you say this money would be hard to get back? I was afraid it would put you in a difficult position..."

Ye Dongsheng reached out and took Ruan Mei's small hand, smiling as he said, "Aunt Fei and the others have taken such good care of you, so even if it's difficult for me, I have to help them!"

Hearing this, Ruan Mei blushed even more, and her heart began to race. Thinking of how Ye Dongsheng had given 50 yuan to help her neighbor, she felt both sweet and indebted to him.

"Amei, the dishes are ready!"

Upon hearing her mother-in-law's voice, Ruan Mei quickly got up and went to the kitchen to serve the dishes.

Hearing the laughter of Lei Dabiao's family coming from next door again, Ye Dongsheng smiled. Today's trip had been quite fruitful. The 2000 million yuan deposit at Hengfeng Bank was only worth 5 yuan in Lei Dabiao's hands, but in his own hands, it was worth far more!

……

The next day, a man and a woman in suits got out of a taxi carrying briefcases. From the street, one could see a steady stream of customers coming and going at the Dongfeng Express store.

"Officer Li, it seems like Dongfeng Express is doing really well!"

The man smiled and nodded: "Business is naturally good, otherwise Hengfeng Bank wouldn't have been willing to lend Mr. Ye 2000 million!"

The man was the deputy director of the credit department at Daoheng Bank, and he and his subordinates had come specifically to handle Ye Dongsheng's large loan. For such a high-quality client, Daoheng Bank naturally offered door-to-door service!

After being led into the office by Ruan Mei, both of them bowed and greeted Ye Dongsheng, who was sitting behind the desk.
"Hello Mr. Ye, we are from the credit department of Daoheng Bank. We are here to handle your mortgage issue."

Ye Dongsheng smiled and said, "Please sit down, gentlemen. Is this the money I have at Hengfeng Bank? Actually, I'd really like to talk to you about it!"

The man and woman smiled at each other, both feeling that today's trip should be fine.

The woman took an agreement from her briefcase and placed it in front of Ye Dongsheng. The man held out his hand and said:
"Mr. Ye, although Hengfeng Bank has been taken over by our Daoheng Bank, we will never cause you any trouble."

We're only here to ask you to sign a supplementary agreement; everything else remains the same.

Ye Dongsheng flipped through the agreement in his hand with great interest. The gist of it was that he would change his loan relationship with Hengfeng Bank to a loan relationship with Daoheng Bank. In short, the creditor of his mortgage would change from Hengfeng Bank to Daoheng Bank.

Ye Dongsheng placed the agreement back on the table and asked the two men, "So, all the debts between me and Hengfeng Bank will be fully assumed and managed by your Daoheng Bank?"

Vice Minister Li nodded: "That's right, Mr. Ye, so now we need you to sign a supplementary agreement."

Ye Dongsheng smiled and said, "No problem! I, Ye, value integrity above all else! Whether in business or in life, reputation is always my top priority!"

Vice Minister Li's smile widened, and he immediately gave a thumbs-up in compliment:
"Mr. Ye, your words are truly resounding! No wonder your business is so prosperous. People like you, who have 'trust' ingrained in their very bones, are the ones who can truly go far! That's the real high level!"

In fact, since its establishment, Daoheng Bank has always placed the utmost importance on reputation! Our chairman often emphasizes to us that we must put reputation first and that every action we take must be worthy of our customers' trust!
Going forward, Daoheng Bank will certainly provide excellent service to Mr. Yip and live up to your trust in us!

Ye Dongsheng laughed heartily: "Since your bank says so, I'm relieved! I thought I wouldn't be able to withdraw my 1960 million yuan deposit from Hengfeng Bank!"

Upon hearing this, both Vice Minister Li and the woman froze, their minds reeling.

A deposit of 1960 million?

WTF?

Vice Minister Li maintained his smile and tentatively said, "Mr. Ye, it seems you only have loans at Hengfeng Bank, not deposits..."

Ye Dongsheng shook his head and said firmly, "Yes!"

Vice Minister Li looked at the woman beside him, who hurriedly took out several more documents from her briefcase: "Mr. Ye, these are all the records related to you that we found from Hengfeng Bank. There are loans for a total of four properties."

A villa in Repulse Bay, priced at 1680 million.

The three large single-level apartments in Mong Kok were priced at HK$238 million, HK$243 million, and HK$251 million respectively.

The total loan amount is HKD 1933.6!
There is no deposit of 1960 million as you mentioned. Are you sure you've got the right bank?

Ye Dongsheng smiled and said, "How could I possibly be wrong!"

As he spoke, he pulled an agreement from the drawer and slammed it on the table: "Here, take a good look at it yourselves!"

Vice Minister Li quickly stepped forward and saw that it was a property transfer agreement: "Radar Dart voluntarily transfers all of Hengfeng Bank's 1960 million yuan deposit to Ye Dongsheng..."

Radar dart?!

Vice Minister Li certainly remembered this name!
This name was prominently featured in Hengfeng Bank's large deposit accounts.

When their credit department was clarifying assets, they conducted background checks on all the big clients. This guy, Radar Dart, had no power or influence, so he was someone they could easily exploit! The so-called 5 yuan to appease a beggar was something he personally set aside!

These lottery winners who suddenly become rich have no chance against Daoheng Bank. Giving them 5 yuan is already more than generous!

But now, upon seeing this property transfer agreement, Vice Minister Li's eyes widened, and he instantly realized that Ye Dongsheng had used various means to transfer Radar Darts' assets to himself.

The woman next to him exclaimed in surprise, "Mr. Ye, what you're doing doesn't count at all!"

(End of this chapter)