Rebirth: Super Banking System
Chapter 103 - 94: Do You Think I’m Engaging in High-interest Lending? (Please Subscribe!)_1

Chapter 103: Chapter 94: Do You Think I’m Engaging in High-interest Lending? (Please Subscribe!)_1

Having spent far too much time on his car purchase, Tang Qing had kept Zhou Li waiting, who called him when he was still circling the outskirts of the city. Which made Tang Qing sigh in wonder. Highlighting the stark difference between a system-recommended client and a normal one. Even though he had told them, there were no overdue interest fees on their loans, they were still in such a hurry. Little did Zhou Li know, his reason for the hurry was to quickly repay the loan and go back to his son’s birthday celebration.

By the time Tang Qing arrived at the shoe factory, Zhou Li was already waiting at the factory entrance. Of course, Zhou Li was not standing, Tang Qing didn’t bear such high status. Instead, Zhou Li had borrowed a chair from the guard’s room and sat in the sun at the entrance to keep warm as it got a bit chilly. Winter sunshine was truly a comfort. When seeing a brand new Audi A6 parking in front of his factory, he was surprised for a moment, not thinking of Tang Qing. Today couldn’t possibly have a customer visiting, could it be someone asking for directions?

Just as Zhou Li was surprised, he saw Tang Qing getting out of the passenger seat, and immediately greeted him with a beaming smile.

"Little Tang, it’s been a while, have you bought a new car?"

Of course, he wasn’t surprised that Tang Qing could afford a car. If he couldn’t afford it, that would be strange. What surprised him was that Tang Qing’s parents indulged their child so much. Weren’t they afraid of spoiling him? This car looked pretty upmarket. His own child was in high school too, but with poor grades and was no good at anything. Not like Tang Qing.

But on second thought, Zhou Li figured if his own son was as capable as Tang Qing, he’d try to fulfill any requests he could manage.

"Yeah, Uncle Zhou. Just bought it, tested it out earlier, it’s pretty good." Tang Qing approached Zhou Li and shook his hand.

Zhou Li walked around the car and kept complimenting it: "Hehe, really good, definitely not cheap. Who is this?"

He saw Sun Chao getting out of the cockpit of the parked car.

"My driver, Sun Chao." Tang Qing introduced him briefly. The explanation of Sun Chao’s identity would indeed differ when visiting a customer versus visiting Dou Jiao’s place earlier.

"Hello Xiao Sun, please come in. I’ve prepared everything." Zhou Li reached out and shook Sun Chao’s hand, saying that. Seeing Tang Qing had a driver, he wasn’t surprised. In his mind, Tang Qing was a typical rich second generation, owning a car and having a driver was the norm. Plus, the loan he took out at this era was a huge amount of money, and having someone accompany him to collect debts was necessary. It would be strange if Tang Qing really came alone, his parents certainly wouldn’t have peace of mind. And judging by Sun Chao’s manner, he seemed well-trained. What driver, he was obviously a bodyguard, or perhaps a...hired muscle.

But, whatever. He had no intention of defaulting, so he had nothing to fear.

"Hmm." Tang Qing replied.

After saying that, Zhou Li brought Tang Qing to his office. Having made tea for them, he then took out the money that was ready from the safe under his desk and put it on the tea table, using the same black bag that Tang Qing had given him last time.

"Little Tang, here you go, count it." Zhou Li pulled open the zipper and pushed it over, since Tang Qing had brought Sun Chao with him, there was no need for him to beat around the bush anymore.

"Mm." Tang Qing took the bag, upended it, and poured all the money onto the table. After flipping through the wads of cash, he didn’t continue counting. Having gained plenty of experience, he had no interest in counting up a few hundred thousand whether they were genuine or not.

Naturally, clients who weren’t recommended by the system were an exception, even if these previously system-recommended clients wanted to borrow money in the future, he wouldn’t be so careless. Because by then, they were no longer the system’s monthly recommended clients, the issue of them not repaying or not repaying enough would truly test him.

Sun Chao looked at the hundreds of thousands of cash on the table, his pupils involuntarily contracted a few times, his mind full of wonder and confusion. Why was Zhou Li giving Tang Qing so much money? From the look of the stacks, it seemed to be nearly six hundred thousand.

Protection money? Dividends? Repayments? High-interest loans? Several thoughts flashed through his mind, but without Tang Qing’s explanation, he had no idea what the deal was with the money. However, he was certain Tang Qing wouldn’t engage in high-interest lending, and protection money was even more unlikely. If he dared to do so, Qin Yugang would break his legs. The key issue was, were there still people out there demanding protection money? Clearly not, those who dared to play this game had all killed themselves. So in the end, it could only be dividends or loans, these two were really hard to distinguish.

But no matter which it was, he would find out soon enough.

"Alright, no problem. Here’s your receipt." Tang Qing took out the receipt from the previous contract from his pocket and handed it over.

Sun Chao immediately realized it was a loan.

Zhou Li took the receipt in surprise, made sure it was accurate. But he was amazed at Tang Qing’s behavior, was it just that simple to count money?

"Little Tang, don’t you want to count it carefully?" It was Zhou Li’s first time encountering this situation and he couldn’t help being curious. Tang Qing just glanced at the money and that was it? Wasn’t he afraid of being cheated or the amount being insufficient? There was no need to hide such things, so he asked directly.

"Hehe, I trust Uncle Zhou. Uncle Zhou is a big deal maker, how could he possibly cheat me over such a small amount of money." Besides, flattering was free. Tang Qing was happy to do it. He couldn’t possibly say he didn’t care whether it was real or fake, or how much it was. He wasn’t crazy yet.

"Thank you for your trust, Little Tang. You are truly capable of doing great things." On hearing this, Zhou Li was moved. Having only met once before, such trust in him made Zhou Li feel a long-lost warmth. He had seen too many deceptive practices in the business world. Once money was involved, relationships between people could become extremely complicated. It was pure luck to meet someone trustworthy and even more so, someone who trusted you. If you knew three or five such people in your lifetime, that was already pushing the limit. He could not help but be touched. Of course, he didn’t think the other party was naïve and unaware of the situation. Anyone who could handle this was savvy. This showed that he trusted him and had the confidence not to fear him messing around. But regardless, Zhou Li was touched by Tang Qing’s words just now.

"No problem, Uncle Zhou, if you need a loan in the future, you can call me directly. Of course, call me when I’m off because I can’t answer when I’m in the class." Tang Qing said. The remaining loans have become a burden for him recently. Every time, he has to rack his brains. When Dou Jiao got here, he would give her all the previous customer loan information so she can proactively contact these potential customers regularly. These people are trustworthy to a certain extent, he believes in the system. Of course, the level of trust is limited. If Your property worth is only one million, and you insist on borrowing ten million, isn’t that baloney?

In addition to the small amount of loans from the system, if the other party really needs it, Tang Qing would not mind helping them with his own money. How could he be short on money in the future since he has the banking system?

"Alright, no problem, I will definitely contact you Tang if I need it." Zhou Li replied. He used to be accustomed to usurious loans, but now he is using loans with a 1% interest rate which is less in amount. But this does not mean that he is saving thousands of dollars. It means that he has found a reliable funding channel.

"By the way, how are things with Uncle Yan? Is his business still doing okay?" Tang Qing asked about a client that Zhou Li referred him to. He doesn’t have a lot of time for post-loan control, so he can only learn about it from Zhou Li.

"Old Yan’s business is doing okay. There are no problems with the operation. It’s just that Old Yan’s health is not good lately. He is hospitalized for heart disease, and his son is currently managing the factory." Zhou Li replied with a smile.

"Hmm, that’s good. As long as the business is running well, and they are able to return the money, that’s what matters." Tang Qing nodded his head, he doesn’t want any breach of contract to happen. He would accept a short delay, but if the borrower simply refuses to pay, he would then have to worry about potentially failing the system’s assessment.

This is why he wants to start a new company to manage these loan businesses. He doesn’t have the bandwidth and time to do the post-loan control for clients who were not recommended by the system.

"Returning the money should not be a problem. Our upstream and downstream customers overlap a lot. If there is no problem on our side, there should be no problem on their side." Zhou Li said confidently.

"Great, Uncle Zhou, I have some stuff to take care of, so I will leave first. Call me if you need anything." Tang Qing stood up and said. It’s good if there are no problems, but he learned to keep an eye out since the time when a guy questioned his set of default penalty, which left a lingering doubt in his mind. But he didn’t speak up since Zhou Li was present. He just needs to remind Dou Jiao to keep an eye on this kind of customer in case of any unexpected situations.

"Okay, you helped Uncle Zhou with such a big favor and even came in person. Without having a single meal, I feel really bad about it. I’ll make it up to you next time." Zhou Li didn’t insist on him staying. Tang Qing mentioned over the phone that he had something to do, and obviously did not have time for this meal. Zhou Li also had to go back to celebrate his son’s birthday. Though he was frustrated with his son, who else could he blame the problem on except his own child?

"It’s okay, in the future, I won’t miss an opportunity to freeload a meal." Tang Qing replied jokingly.

"Ha-ha! That’s nice. I was worried you wouldn’t consider joining us." Zhou Li laughed.

"Of course, not, so I will take my leave now." Tang Qing said.

"Alright, let me walk you out." Zhou Li offered.

"Sure, Sun brother, pick up the money and let’s go." Tang Qing instructed.

Zhou Li walked them out to the main gate.

This time it was Tang Qing who was driving because he wanted to bring Sun Chao to his company to familiarize him with the location. He wouldn’t have time to go to the company tomorrow due to his classes.

During the car trip, Sun Chao, as usual, didn’t say anything. He was not a talkative person, but Tang Qing knew that he must have been full of doubts. After all, he was there for debt collection, which is not a glamorous job in people’s eyes, especially in later generations. The media has reported a lot about violent debt collection news, even lawful debt recovery has been stigmatized. Tang Qing was speechless regarding this.

"Sun brother, you know what I was doing just now, right?" Tang Qing broke the silence.

"Yes, collecting debt." Sun Chao replied, his tone was the same as always, devoid of any peculiarities.

"Ha-ha, Sun brother, you don’t think that I’m involved in high-interest lending, do you?" Tang Qing laughed.

"You’re not that type of person." Sun Chao replied without hesitation.

"Thank you for your trust, Sun brother. Here, this is the loan contract between me and Zhou." Tang Qing said, the feeling of being trusted by someone is wonderful. He pulled the contract he signed with Zhou Li out of his pocket and handed it over. Even though Sun Chao already trusted him, he still had to explain to clear any misunderstanding.

PS: Okay, I can’t afford to look at my subscriptions anymore. If I keep looking, I won’t be in the mood to write. Sob!!

But don’t worry everyone, no matter what, this book will not be left unfinished. The 2 million words is a conservative estimate, after all, there are so many themes I can write about with this subject matter. Maybe sometimes I won’t be able to update on time, but if I owe any Chapters I will make up for them. I know I still owe everyone four Chapters. I thought about becoming a member of the 2K party, but then I decided not to. I don’t enjoy reading 2K books.

Once again, I am seeking your support!