The richest man started taking advantage of loopholes after joining Alibaba.

Late at night at 23:30.

Hangzhou, Binjiang District.

A backstreet brimming with the warmth of everyday life.

It's only two blocks away from the gleaming Microlight Building, but it feels like two different worlds.

Plastic shed, folding tables, bamboo skewers and beer caps scattered all over the floor.

"this……"

Mr. Wang, the president of China Merchants Bank's Greater China region, stood on the greasy cement floor, looking at the folding table in front of him that hadn't been wiped clean yet, his face looking even worse than if he had swallowed a fly.

His custom-made Zegna suit, worth 100,000 yuan, looked completely out of place at that moment.

beside him.

The vice president of China Construction Bank and the general manager of the credit card center of Bank of China both looked stiff.

Who are they?

They are the people standing at the top of China's financial pyramid.

He usually frequents the Diaoyutai State Guesthouse and the Four Seasons Hotel Executive Lounge.

Even when Jack Ma invites people to dinner, it's always at a private club.

No one ever has.

I dare to treat them to food at a roadside stall.

"Please have a seat, everyone."

Lin Che sat on the plastic stool opposite him.

He wasn't wearing a suit jacket, his sleeves were rolled up to his elbows, and he was holding a skewer of sizzling, oily lamb.

Several bottles of room-temperature "Brave the World" liquor were placed in front of me.

"President Lin..."

Mr. Wang forced a smile, wanting to sit down but afraid of getting his pants dirty.

In the end, I took out a handkerchief to cushion it, so that only half of my butt touched the stool.

"Your taste is quite unique."

Is it unique?

Lin Che took a bite of the meat, his mouth oozing with oil.

"This is what life is all about."

"You've been sitting in the air-conditioned office for too long, you can't smell this kind of aroma."

"That's where the 0.37% bad debt rate comes from."

Lin Che pointed to the young people around him who were shirtless, eating skewers, and playing drinking games.

"They probably don't have the money to eat French food."

"But after they finish this drinking session, they will still go to work on time tomorrow, deliver food, and pay off that 2,000 yuan Huabei debt."

"Because they care about their reputation."

Lin Che handed a skewer of grilled kidneys to President Wang.

"Want to try some?"

"Very nourishing."

Mr. Wang looked at the still dripping oily offal and felt his stomach churn.

But he dared not refuse.

Because today, he has come to ask for a favor.

"Thank you... thank you, Mr. Lin."

Mr. Wang reluctantly accepted it and took a small bite.

Tasteless and bland.

But he still had to smile and say, "Yes, it's authentic."

After several rounds of drinks...

The atmosphere eased a little.

But that awkwardness and tension still felt like a string around the necks of the bank managers.

Finally, the vice president of China Construction Bank couldn't hold back any longer.

He put down his chopsticks and wiped the grease from the corner of his mouth.

"Mr. Lin, let's speak frankly."

"I came here so late tonight just for one thing."

The deputy bank manager took a document out of his briefcase, but before he could hand it over, Lin Che stopped him.

"Don't rush."

Lin Che took a sip of beer.

Let me guess.

"The quarterly earnings report is coming out soon, and your credit card bad debt rate is still soaring."

"What's worse is that we have to pay interest on the deposit, but we can't lend out this money."

This is called an "asset shortage".

Lin Che looked into the vice president's eyes and smiled like a fox.

"You hold trillions of dollars in savings, with a cost of 3%."

"But you dare not give it to small and medium-sized enterprises, for fear of dying."

"You want to give it to the young people, but all the young people are with me."

"so."

Lin Che pointed to the bottles of beer.

"You didn't come here to invite me to dinner."

"You want me to help you spend this money."

Dead silence.

The only sound was the drinking game from the next table: "Good buddies! Six six six!"

The vice president's face turned a deep shade of liver.

They've been exposed.

They didn't even have their underwear left.

In the financial world, idle funds are the biggest fatal flaw.

Banks are essentially middlemen in the money trade. If money rots in their hands and can't be lent out, the interest alone can eat up their profits.

The current situation is: Weiguang has 3 million of the highest quality young users, but lacks funds; banks have trillions of yuan in cheap funds, but lack personnel.

This is an unequal game.

Because Lin Che wasn't in a hurry.

He can issue bonds or raise funds in the US stock market.

But the bank is in a hurry.

Once young people get used to micro-installment payments, the retail banking business will be completely finished.

"President Lin... is indeed a man of few words."

Mr. Wang, the general manager of China Merchants Bank, sighed and put aside his airs.

"Now that we've talked it out..."

"Let's be frank."

"We are willing to provide funding."

Mr. Wang held up five fingers.

"Initial credit line of 500 billion yuan."

"Interest rate..." he gritted his teeth, "4.5% annualized."

This is already an extremely low price.

It's almost like the treatment given to state-owned enterprises and central enterprises.

Xie Yu sat next to him, his eyes lighting up.

4.5%!

The interest rate that Weiguang offers to users is 15%-18%.

The profit margin in this area is simply outrageous!

"4.5%?"

Lin Che shook his head.

He picked up a cigarette.

No order.

I just held it to my nose and smelled it.

"Mr. Wang, do you think I'm a beggar?"

"This..." Mr. Wang was stunned. "Mr. Lin, this is below the benchmark interest rate; you won't find any cheaper money on the market!"

"I don't want cheap prices."

Lin Che threw the cigarette on the table.

Lean forward.

That sense of oppression instantly enveloped the entire barbecue stand.

"What I want is... rules."

"What are the rules?"

"First."

Lin Che held up one finger.

"I want the cost of capital to be 3.8%."

"What?!" the three bank managers exclaimed simultaneously. "This is impossible! This is the cost price of deposits! How are we supposed to make a profit?"

"Don't rush, let me finish."

Lin Che raised his second finger.

"second."

"Risk control is my decision."

"If the Abyss system determines that a loan is possible, you have to disburse the loan, regardless of whether the borrower has a bad credit history or a good credit history. Your system is only responsible for transferring funds and does not allow for verification."

"This..." The vice president wiped his sweat, "This is against the rules... What if it becomes a bad debt..."

"third."

Lin Che completely ignored his interruption.

Raise your third finger.

His eyes became incredibly greedy, yet incredibly calm.

"Bad debts, with a glimmer of hope to cover them."

"But profits..."

"I want it to be 90/10."

"I'm nine, you're one."

"Bang!"

The vice president of China Construction Bank slammed his fist on the table.

"Lin Che! You've gone too far!"

"We invest tens of billions of dollars, bear regulatory risks, and only get 10% profit? And we're even offering you an ultra-low interest rate of 3.8%?"

"You're robbing a bank!"

The surrounding diners were startled and turned to look.

Lin Che wasn't angry.

He picked up a skewer of grilled bread slices and ate them slowly.

"Robbery of a bank?"

"President Liu, you've made a mistake."

"Now you're begging me to give you the money."

Lin Che pointed to the brightly lit, dimly lit building in the distance.

"I have traffic, I have scenarios, I have this 0.37% miracle."

"And you."

"There's just a bunch of unwanted electronic numbers."

"If we don't cooperate."

"Tomorrow I'll go find Jack Ma, Tencent, and even Sequoia Capital overseas."

"I believe they would be happy to take this piece of meat."

Lin Che stood up.

Looking down at these three tycoons who control trillions of yuan of wealth in China.

"3.8%, 91%."

"To sign, or not to sign?"

"You have three minutes to consider."

"I'll leave after I finish this skewer of steamed buns."

Time passed second by second.

The air was so thick it was suffocating.

The three bank managers looked at each other in bewilderment.

Their eyes were communicating, struggling, and calculating.

If you don't sign.

The retail business continues to collapse, the year-end report looks bad, and the position is in jeopardy.

If it's signed.

Although the profit margin was thin, and although it became a "fund wholesaler" for micro-brightness, the assets worth tens of billions were revitalized, and the risk of bad debts was eliminated.

For professional managers like them.

To err is to err is to err.

As long as I can survive, what does it matter if I have to be a grandson?

Lin Che had only half a slice of steamed bun left in his hand.

"One minute left."

He said it calmly.

Mr. Wang clenched his fist under the table.

At last.

It's loosened up.

"sign."

Mr. Wang's voice was hoarse, as if it were being squeezed out from between his teeth.

"China Merchants Bank...accepts it."

The first domino fell.

The remaining two pieces were no longer in doubt.

"China Construction Bank... also signed."

"Bank of China has no objection."

that moment.

Lin Che smiled.

He stuffed the last bite of the steamed bun into his mouth.

He patted the cumin powder off his hands.

"Xie Yu, draft the contract."

"Stamp it tonight."

……

1:00 AM.

After seeing off the group of dejected bank managers, they left.

Lin Che sat alone in a corner of the barbecue stall.

Watching those luxury cars disappear into the night.

"Boss, you're awesome!"

Xie Yu held the newly signed preliminary agreement and was so excited that he danced with joy.

"That's 500 billion! And at an incredibly low interest rate of 3.8%!"

"Now our cash pool is fully activated!"

"We're using bank money to support our own users and build our own empire!"

"This is simply... the ultimate level of getting something for nothing!"

Lin Che did not laugh.

He drank the last drop of beer in the bottle.

His eyes, however, revealed a hint of weariness.

"This is nothing."

"The domestic battlefield has been pacified."

"Banks have become our financiers, and regulators have become our audience."

"The glimmer of light is now unstoppable."