Back to 2008: I Helped My Dad Become the Richest Man

Chapter 92 The Shock of the Bank Managers

In a luxurious conference room of a five-star hotel in the provincial capital.

The atmosphere was somewhat awkward.

On one side of the conference table sat the provincial branch presidents of the three major state-owned banks: the Industrial and Commercial Bank of China, the China Construction Bank, and the Bank of China.

These three influential figures in the province's financial sector looked at the group sitting opposite them with a hint of amusement and scrutiny.

A county-level official who looked somewhat uneasy.

And a girl who was wearing a school uniform, had a ponytail, and looked to be no more than fifteen or sixteen years old.

"County Chief Zhou, you invited all three of us here today, saying you have a key provincial project to discuss. This is quite a show of force," said President Liu of the Industrial and Commercial Bank of China. He was a slightly overweight middle-aged man whose eyes narrowed into slits when he smiled, but those slits revealed a shrewd glint.

Zhou Liang'an quickly stood up, his face beaming with smiles: "President Liu, President Wang, President Li, it is an honor for Qinghe County that the three of you could take time out of your busy schedules. Let me introduce you to the three of you. This is Luo Xiyuan, CEO of our Luo Group."

The three bank managers' gazes all fell on Luo Xiyuan.

CEO? Mr. Luo?

The expressions on their faces became even stranger.

These days, are people taking playing house to such an extreme?

Luo Xiyuan stood up and nodded to the three bank managers in a respectful but not servile manner. "Greetings, bank managers. I am Luo Xiyuan."

Her voice was clear and crisp, yet unusually calm, showing none of the fear that one would expect from someone her age witnessing such a scene.

President Wang of China Construction Bank, a refined man wearing gold-rimmed glasses, adjusted his glasses and asked in a calm tone, "Ms. Luo, County Head Zhou said that your Luo Group wants to apply for a ten million yuan mortgage loan from us?"

"Yes." Luo Xiyuan nodded.

"The collateral is your fifty-seven commercial apartments in Qinghe County?" Ms. Li, the president of the Bank of China, a serious and strong woman, asked.

"Yes."

"Hehe." Bank Manager Liu chuckled, leaned back, and crossed his hands on his stomach. "Ms. Luo, you may not be familiar with our bank's rules. Properties in other locations, especially those at the county level, have very poor liquidity, so we generally do not accept them as collateral."

His words were polite, but his refusal was quite clear.

Sweat began to bead on Zhou Liang'an's forehead. He hadn't expected these bank presidents to reject him so readily.

He was about to speak when he began to explain the importance of the Chengnan New Area project.

Luo Xiyuan was faster than him.

She took a brand-new laptop out of her backpack.

She turned on the computer, rotated the screen, and pushed it in front of the three bank managers.

"Before we discuss the collateral, I'd like to show you something."

The three bank managers looked at the computer screen with some confusion.

On the screen was a backend monitoring page they had never seen before, filled with all sorts of complex data and dynamic curves.

"This is a game from our company called Happy Farm," said the person in charge, referring to the current real-time revenue monitoring backend.

As Luo Xiyuan spoke, she stretched out her slender fingers and gently tapped the keyboard.

In the bottom right corner of the screen, a number box labeled "Real-time Income (RMB)" began to scroll frantically at an astonishing speed.

1000————

10000--

50000————

100000————

In less than a minute, that number broke through six figures.

The meeting room was deathly silent.

The three bank presidents, who were used to all kinds of big scenes, sat frozen in place, staring intently at the soaring number, their Adam's apples bobbing up and down, but they couldn't utter a single word.

They've spent their entire lives dealing with money.

But they had never seen such a direct and impactful way of making money.

This is not about making money.

This is fucking printing money!

"What you are seeing is just the normal transaction volume of our game at 10 a.m. on a regular workday."

Luo Xiyuan's voice broke the silence.

"Last month, our company's total revenue was 87 million. After deducting the share paid to partner platforms and various operating costs, the net profit was 52 million. We paid 3.6 million in taxes to Qinghe County."

Every time she announced a number, the eyelids of the three bank managers would twitch.

"And this is the result we achieved without any large-scale promotional activities."

Luo Xiyuan stood up, walked up to them, and looked down at them.

"Now, I would like to ask the three bank presidents a question."

"A company that can reliably generate tens of millions in cash flow every month, and grow exponentially."

"Use a batch of high-quality properties with a total value of over 15 million as collateral."

"I'm asking you for a start-up loan of a mere ten million."

"Do you think the risk is very high?"

The meeting room remained deathly silent.

The three bank managers looked at the young girl in front of them, their previous disdain and amusement gone, replaced by shock, and their breathing became somewhat rapid.

They know that they may be witnessing the birth of a business miracle today.

It's also possible that they encountered something completely beyond the realm of common sense.

"Cough cough————"

It was President Liu of the Industrial and Commercial Bank of China who was the first to react. He cleared his throat, and his chubby face forced a smile that looked more like a grimace.

"Mr. Luo, please don't misunderstand. We were just joking with you to lighten the mood."

As he spoke, he stood up, personally poured Luo Xiyuan a cup of tea, and handed it to her with both hands.

"We at ICBC are very optimistic about your project! Ten million, right? That's too little! I think we should approve a credit line of at least thirty million for you! And we'll give you the lowest possible interest rate!"

"Old Liu, this isn't fair," said President Wang of China Construction Bank, who was standing nearby, also getting impatient. "President Luo, don't listen to him! China Construction Bank is willing to provide you with a credit line of 50 million! Moreover, we can tailor a comprehensive corporate financial service solution just for you!"

"Mr. Luo!" President Li of the Bank of China said, "We don't need your collateral! We're willing to lend you 50 million yuan directly as a credit loan! There's only one condition: we hope that all of Luo's Group's future corporate business will be conducted through our Bank of China!"

The three bank presidents, who had just been dismissive of the loan, almost came to blows in the conference room over the competition for Luo Xiyuan as a client.

Zhou Liang'an, standing to the side, watched this dramatic scene and felt as if his feet were floating on air, as if it were all unreal.

He felt like he was attending an auction today.

The company being auctioned is Luo Xiyuan, a company that can generate enormous wealth.

And he was that important middleman.