Chapter 785
President Zhang Makes His Move
Everyone thought Chen Xiao was Versailles; who would really complain about having too much money to spend?
Zhang Yi immediately laughed and said, "Cousin, you're probably the only one with this problem."
Zhao Xiangjun nudged him under the table, telling him to stop fooling around. Little did she know, Chen Xiao hadn't meant it; he had just spoken out of genuine feeling.
Chen Xiao couldn't hold his liquor, but Chen Tao was an expert. That evening, Zhang Yi drank a few more glasses with his aunt's husband, and after a few drinks, he was no longer as awkward as before.
As he led Jia Yan to toast Chen Xiao, Xiang Jun, and Han Xue, he casually remarked, "Sister-in-law, Jiang Ping is coming to Jiangzhou soon too."
Jiang Ping? Who is that?
Chen Xiao looked at Xiang Jun, a hint of doubt in his eyes. Even my cousin knows, how could I not?
Zhao Xiangjun was also surprised, "Cousin, do you know him?" Although she explained to Chen Xiao, "He's my cousin-in-law, from my aunt's family."
Chen Xiao then remembered that he seemed to have met his cousin-in-law once before, on the Azam. However, there were many relatives present that day, and he didn't remember his cousin-in-law very well. Considering that Zhao Xiangjun shouldn't be too tired, the two of them only attended briefly and then left, probably without even exchanging a single word with Jiang Ping.
"Cousin, are you familiar with Jiang Ping?" Like Xiang Jun, Chen Xiao couldn't understand how these two people could be connected.
Zhang Yi laughed heartily. "President Jiang is a business genius. I admire him to the core. I met him at a local business gathering, and later I found out that we had this connection."
A business genius?
Chen Xiao contributed money to the Chen and Zhao families, relatives of his, as a kind of start-up fund. The amount varied depending on the relationship and the project.
Hearing that a relative of the Zhao family had a talent for business, Chen Xiao was pleased. He raised his glass to Zhang Yi and said, "Okay, I'll keep an eye on it. If you need any resources, just let me know."
Zhao Xiangjun frowned slightly. A business genius?
Her cousin's husband used to be a genius in the card room, but suddenly he became a business genius? Could it be that he was really just unappreciated before? She decided to go back and find out more about her older cousin's situation.
After dinner, Chen Xiao arranged for a car to take Zhang Yi and his wife to the Junxiao Lakeside Hotel. Han Xue stayed overnight to keep Chen Xiao company. He Qing was away on a business trip today, and Han Xue was summoned to serve him in bed.
After a fierce battle with Han Xue, Chen Xiao still habitually returned to the master bedroom and fell asleep with Zhao Xiangjun in his arms.
"I didn't expect there to be so many talented people among the relatives of the Chen and Zhao families." Chen Xiao gently embraced her. Zhao Xiangjun was already quite pregnant, and Chen Xiao was afraid of touching her lower abdomen.
Hearing Chen Xiao's感慨 (sentiments/reflections), Zhao Xiangjun playfully scratched Chen Xiao's nose with her hair. "Actually, many people aren't lacking in ability, but rather they haven't been given the opportunity to demonstrate it. Whether it's the Chen family or the Zhao family, having received the support of their first startup fund is an opportunity that many people never encounter in their entire lives. It's quite normal that a few of them seized the opportunity."
Chen Xiao hummed in agreement. It was indeed true. He didn't think much of it, and with Zhao Xiangjun in his arms, he drifted off to sleep.
The next day, on the 57th floor of Junxiao Lakeside CBD Center.
This is also the headquarters office area of Junxiao Group, where Xu Wu also has an office. The secretarial team led by Zhang Ziqian also has its office area here, and Qiu Qiaoqiao works on this floor.
Inside the reception room, Zhang Ziqian and Qiu Qiaoqiao sat to one side. Across from them were the heads of three banks, who looked somewhat bewildered, unsure of what was going on.
If it's about business, you should talk to each company one by one. Why bring together the heads of three competing companies?
"Gentlemen, I'm sorry. Mr. Chen has a lot of work to do, and I have limited time to spare. That's why I called you all here to discuss a few things. I hope you can all understand!"
Zhang Ziqian is very approachable, and with the people opposite her, how could they dare to be dissatisfied with her?
"Mr. Zhang, you're too kind. Please let me know if you have any instructions!"
"Yes, yes. President Chen manages such a large business empire; he's incredibly busy. We should save some time and not delay his important matters!"
"Yes, yes, what they both said is exactly what I was thinking."
The three people took turns expressing their opinions.
Zhang Ziqian nodded slightly; these people were very sensible. So, she directly brought up today's topic: "I've invited you here because of your cooperation with the [Black Cat Loan Platform]."
The group was taken aback. [Black Cat Loan Platform]?
They exchanged a glance, both feeling a little uneasy. Partnering with such an organization wasn't exactly something to be proud of; it was often driven by KPIs, or perhaps other connections as well. Zhang Ziqian's directness in bringing it up made them uneasy; they didn't know what she meant.
Zhang Ziqian cut to the chase: "I hope you will immediately terminate your cooperation with the [Black Cat Loan Platform]!"
hiss--!
Three gasps of shock instantly filled the conference room!
The three bank tycoons, who wielded considerable influence in the local area and were always fawned over by businesses, instantly turned extremely ugly!
Shock! Devastation! Then came an overwhelming surge of anger!
Cancel the cooperation?!
Junxiao Group? What gives them the right?!
This demand is utterly unreasonable and domineering! [Black Cat] is doing just fine with them, with huge profits and impressive KPIs! Junxiao Group, aren't you overstepping your bounds? You're meddling in everything, even our bank's loan partners?
This is completely self-defeating and harmful! It's taking away someone's livelihood!
Zhang Ziqian took in the complex expressions on the three faces—a mixture of paleness and shock, anger and rage—but didn't even lift an eyelid. She didn't need to care about their thoughts; she only needed to carry out Chen Xiao's will.
She picked up the bone china teacup in front of her, gently blew on the floating tea leaves, her movements elegant and composed, as if she had just thrown out a casual remark rather than a bomb.
Then, she put down her teacup and, in a tone as calm as discussing the weather, threw out a bargaining chip that could crush all doubt and anger:
"As a token of my gratitude, Mr. Chen will personally deposit funds into your bank—"
She paused, then clearly uttered the number that made the air tremble:
"100 billion RMB in fixed deposits. For each company."
boom--!!!
It was as if a thunderclap had exploded in the minds of the three bankers!
"Holy crap—!"
"I rely on!!"
The three of them gasped almost simultaneously! They sat bolt upright, their eyes wide open, staring intently at Zhang Ziqian, as if trying to find any trace of a joke on her face!
100 billion? For each company?! For Mr. Chen personally?!
Unicorn companies outside the industry are often called "cash kings" because they have tens of billions of dollars in cash on their books, and the hype is outrageous! But most of that is company assets, valuation, and illiquid equity!
And Chen Xiao, on his own, can casually pull out 300 billion yuan in cash for fixed deposits?!
This is no longer just a "cash king," this is a walking human vault! A terrifying presence capable of shaking the regional financial landscape!
In all of China, no, looking at the whole world, how many private accounts possess such a terrifying amount of cash that can be mobilized at any time?!
After the initial shock came a rapid reaction driven by professional instinct. The three exchanged glances, each seeing the same overwhelming turmoil and... a hint of elation in the other's eyes. But their shrewd nature quickly brought them back to their senses, forcing a wry smile onto their faces.
One of the most senior decision-makers spoke first, his tone exaggeratedly conveying a sense of unease:
"Mr. Zhang... to be honest, we... well, the situation is different now!"
He shook his head and sighed:
"Before, we worried about savings; now we worry about loans! We can't lend them out!" He looked to his companion for support.
“Yes, yes, Mr. Zhang!” another person immediately chimed in, their expression somber.
"Good companies don't lack money now, but for companies that do... we dare not lend! If we collect too many deposits and can't lend them out, the interest alone would result in astronomical losses!"
The third person nodded repeatedly, like a beggar holding a golden bowl but starving to death:
"What we lack most right now is not deposits, but high-quality loan business!"
Zhang Ziqian wasn't surprised by their complaints. Economic downturn and a shortage of quality assets are dilemmas faced by all banks. But since she dared to bring it up, she must have already prepared a comprehensive plan.
A composed smile curved her lips, she leaned forward slightly, and her voice was as steady as a rock:
"This? Easy."
The three "troubled" bankers instantly perked up, as if they had grasped at a lifeline! Their eyes were fixed intently on Zhang Ziqian!
Easy to handle? What to do?!
Zhang Ziqian's gaze swept over the three of them, her words clear and forceful, each one distinct:
"I have the data on the total amount of loan business completed through you each year on the Black Cat Loan Platform."
Her tone was calm, yet carried an undeniable air of control:
"This portion of the business will be handled by Junxiao Group!"
She paused, then offered an even more tempting offer:
"Furthermore, based on the interest rate originally agreed upon between [Black Cat] and you,"
She held up one finger:
"Junxiao Group is willing to increase the price by 10%!"
boom!
A banker got so excited that he knocked over the teacup in front of him with his elbow! But he didn't even realize it!
The other two also jumped up from their chairs! Their eyes were wide open, their faces filled with unbelievable ecstasy!
Junxiao Group! Taking on business! And even voluntarily increasing the price by 10%?!
My God!
This isn't just a windfall; it's like a gold mine has fallen from the sky! And it's delivered right to my door, with free shipping and even interest paid out of pocket!
What level of existence is Junxiao Group? It's a top global giant! Its debt-to-equity ratio is almost zero! A super behemoth with hundreds of billions in cash flow on its books! It has never taken out a single bank loan! It's a "holy temple" that countless banks have begged and pleaded with but couldn't get a single loan from!
Now, is it actively seeking loans? Or is it taking on business from high-risk online lending platforms, and adding a 10% markup?!
This is no longer just a valued client; this is a dream client in the financial world! It's a landmark partnership that will go down in the history of the bank!
Hesitating for even a second is disrespectful to one's ancestors for eighteen generations! It is an insult to one's professional career!
"Mr. Zhang! Mr. Zhang!" The banker who had knocked over the teacup spoke in a trembling voice, so excited he was almost incoherent.
"You...you're telling the truth? Junxiao Group is really...really willing to lend money?"
He simply couldn't believe his ears!
"Yes, Mr. Zhang!" another person eagerly confirmed.
"We've been knocking on your door countless times, but your company... has never opened its doors before!"
The third person was so excited that he kept rubbing his hands together.
"And...and your group has so much cash on its books..."
His words were calmly interrupted by Zhang Ziqian:
"You're all right."
She nodded slightly, her tone carrying a solemnity that seemed to be announcing history:
"Therefore, this will be the first loan in the history of our Junxiao Group!"
boom!
That last sentence was like a nuclear bomb detonation, completely shattering the last shred of reason in the three bankers!
Junxiao Group's "first time"!
Winning this "first time" not only means huge, risk-free profits and dazzling performance, but also unparalleled glory! Enough to make them go down in the history of the banking system and become legends!
What "black cat"? That thing is now a stinking stumbling block blocking their path to embracing their gold mine!
"President Zhang!" The most senior person in charge was the first to pat his chest, his voice loud and clear, resolute:
"On behalf of my bank, I solemnly promise! Immediately! Right now! We are terminating all cooperation with the [Black Cat Loan Platform]! This is a permanent termination!"
"Me too!" The second person followed closely behind, afraid of falling behind.
"The first thing we'll do when we get back is send a letter terminating the cooperation! No ambiguity!"
"Me too!" the last one exclaimed in desperation, even slipping into his dialect, his face flushed and neck bulging.
"Immediately! Right now! Forever!"
Zhang Ziqian watched the three people scrambling to devour the "Black Cat" alive to prove their loyalty, her expression remaining calm. The outcome was already within her expectations.
She rose gracefully:
"Okay. I will arrange for someone to coordinate with your bank on the follow-up matters."
Her gaze carried an unmistakable pressure:
"I hope your severance with [Black Cat] will be clean and decisive, without any delays."
"sure!"
"Don't worry, Mr. Zhang!"
"Make sure it's clean and efficient!"
The three hurriedly made assurances, bowing and scraping, their humility bordering on obsequiousness. No one dared utter the foolish phrase, "wait until Junxiao's loan is in place before canceling the agreement." Zhang Ziqian's status and Junxiao's prestigious reputation were more binding than any written contract! Her promise was law!
As they watched Zhang Ziqian and Qiu Qiaoqiao leave the conference room, the three bank tycoons, who had just been looking gloomy, instantly broke into beaming smiles, patting each other on the shoulder as if they had already foreseen a future paved with gold.
Inside the CEO's office on the 58th floor, a faint, ambiguous atmosphere still lingered in the air. In the lounge, Ma Jing lay limp on the disheveled bed like a completely tamed animal, her body aching and weak, unable to even move a finger. Chen Xiao's inhuman "iron stamina" always left her in this painful yet pleasurable exhaustion after the ultimate pleasure.
Chen Xiao, feeling refreshed, tidied his clothes and walked out of the lounge into his office, just as Zhang Ziqian and Qiu Qiaoqiao knocked on the door and entered.
"Boss, it's done." Zhang Ziqian said concisely and confidently. (End of Chapter)