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The next day, a fax from Indonesia was placed in front of me on time. After instructing the secretary to not let anyone enter my office, I closed the door, half lying on the sofa, with my feet raised high, and began to look at the fax carefully.

The fax is very long, thick, and many places are filled with terms to make up words and numbers. After skipping these boring letters, I chose those key things and studied them, lyrics and sentences, thinking about how to make money better.

"Is Philip? It's me!" Two hours later, I called Philip again, and just waited for him to say "Hello" in the microphone and said bluntly.

"Boss? It's you! You have received the fax I sent, right?" He was stunned, heard my voice and asked respectfully.

"I received it, just finished reading it." I held the fax in one hand, frowned and said to him after reading the second page, "The overall idea is correct, but I am not very satisfied with some places and feel that it needs to be modified. So, you can put the work on your hands for a while, go to the airport immediately, take the nearest flight to Hong Kong to wait for me, and I will also take the evening flight. After arriving in Hong Kong, we will have a closer discussion after we meet in the evening."

"I understand!" Philip didn't even say a single extra question, and answered readily. After hanging up the phone, he packed up the information in his hand a little, and immediately hurried out and rushed to the airport.

And I was the same. After asking my secretary to book a ticket for me, I got the ticket without much time, rushed to the airport, and took the plane to Hong Kong.

After arriving in Hong Kong, it was already past five o'clock in the afternoon. Because it happened to be the time for locals to get off work. During the peak period, all the roads were very crowded. With the slow traffic, the car I took was slowly moving towards my destination. When I arrived at the hotel, it was already lights on.

"Boss, are you here?" Walking into the hotel's long private room, Philip was already sitting there waiting for me. When he saw me stepping into the gate, he quickly stood up and greeted me with a smile.

I nodded slightly to him, walked directly to the sofa and sat down, then looked up at Philip standing on the side, smiled, reached out to pat the position on the side, and said to him kindly: "Let you come from Indonesia immediately. Thank you for your hard work, sit down and talk."

"Boss, what are the places you need to modify on the phone?" After sitting down, Philip didn't politely ask me, and immediately asked what I said on the phone at noon.

"Have you brought the documents originally?" I picked up the black tea that had just been sent by the waiter and asked him while putting down the tea cup.

"I brought it here to you." Philip skillfully opened the bag he carried with him, took out a stack of documents from it, and handed it to me directly.

"Yeah," I nodded, reached out to take it, turned it open, then pointed to several of the above and said, "This one, this one, and these ones all need to be modified."

Philip looked over and found that the few I was referring to were related to the amount, deadline and note column. After hearing what I said, he became confused, with a look of confusion in his eyes. He looked at me and asked strangely: "Boss, do you think the amount of loans in our contract is too high? Do you need to reduce it?"

"Haha, no." I smiled and shook my head, then didn't say anything. I lit a cigarette leisurely. After taking a few sips, I slowly spoke: "I think it's too little. It needs to be increased, and it's a big increase! I thought about the increase, starting with ten times the grass, the upper limit is uncertain, I want as much as I want. And the term is shortened from the five-year period mentioned above to two years, and it also stated that the bank cannot ask us to pay repayments in advance, but we have the right to repay in advance."

"Ah! What?" Philip's eyes widened, his mouth was open and he could stuff an apple into it. He was startled by my words. If he hadn't been in good health, he would have almost scared me of a heart attack. He was stunned on the spot. He couldn't come back to his senses for a long time and looked at me foolishly, without moving.

"What's wrong? Are you okay?" I saw him in this way, and I felt secretly amused. I waved my palms in front of him a few times, and asked with concern.

"No... it's okay." Philip regained his mind and said to me stutteringly: "Boss, you... weren't you kidding me? Do you really want to do this?"

"What? Do you think I flew from Shanghai to Hong Kong and called you back from Indonesia just to make a joke with you?" I looked at him with an unhappy expression and said coldly: "I'm not so bored yet, right?"

"But if the increase ratio is so large and the repayment period is shortened so much, the risk is too great. I am afraid that you will make mistakes in your decision! As your assistant, I think I have the responsibility to make different suggestions to you now. In fact, according to the funds and strength of our company, there is no need to borrow money from Indonesian banks to develop. If you operate in this way, such a large amount of investment in borrowing funds will be invested, let alone profits in a short period of time, even under the premise of profit, the interest alone will erase all the profits, and may even cause huge losses!" Philip took a sip of water, calmed down, and began to slowly express his concerns and worries to me.

"Well, you analyzed it well, but I also have my considerations, so I made this decision." After he finished speaking, I nodded in approval and explained: "Your idea is based on the general business model. If you invest step by step, I do consider adding more. However, the purpose of this part of my loan is different and will not be used for any actual investment for the time being. It has some specific uses, so it cannot be used as a reference for the general model."

"Can you explain it thoroughly?" Philip was confused. He couldn't understand the difference between the specific and the general ones I mean. He was a talented student at Harvard in the United States. He had never heard of these things in school and had never seen people in business. After he was puzzled, he frowned and asked me.

"Hehe, I can't tell you this, you will understand it at that time. But there are only two things I can tell you. One is that the amount of the loan must meet my requirements, and the other is time. Take the time to implement this matter. If you do this, I promise you that after the European branch is established next year, you will be transferred to Europe as the president. How about it?" I crossed my legs and looked at him with a smile. Because I knew in my heart that Philip's business talent is still good. Although he was a little conservative in his work, he was also steady. Since joining the company, he has always wanted to hold a position that stands alone, rather than just being my assistant to help me run errands. I now give him the position of president of the European department, which is a huge temptation for him. This is exactly what he has been thinking about but has not obtained, and it is guaranteed to make him feel satisfied.

"Really?" He showed a surprise expression and laughed happily, but he was still afraid that he would hear it wrong, so he asked me in disbelief. After seeing my confirmation of approval, he felt relieved, held his hands tightly, and was extremely excited.

"Okay, since you said that, I'll hurry back and negotiate with the bank tomorrow to let them make concessions." Philip was already excited after getting my benefits, not to mention that he turned around and thought about it. Although the loan amount was not small, it was not too difficult to pay off the company's ability. Besides, this company is not an outsider, but a company of Zhang Leyao and me. This matter has been signed and agreed by Zhang Leyao, and it is entirely up to me to decide without her being involved. In this way, how much to borrow is my problem, and it has nothing to do with him if he loses. For the sake of the position of the European president, why bother me on what I have decided? Isn't this unhappy for myself?

"Haha, then you have to work harder. Try to settle this matter at the beginning of next month. Is it okay?" I saw him do what he said, and immediately stood up and picked up his bag and prepared to say goodbye to me, preparing to take the last flight today to Indonesia. I also stood up, patted his shoulder, and asked kindly.

"No, no, no, no, no, no, no!" After being with us for so many years, he also understood some oriental etiquette and answered politely, but he hesitated for a moment and asked carefully: "But, boss, I'm not afraid of anything else, just afraid that a bank can't borrow such a large sum of money. I want to distribute several banks to borrow. Do you think it's okay?"

"Yes! Of course there is no problem!" I replied with a smile, and told him again: "I don't care about how many banks you find, and you can lend me as much as you can. But I still have a premise, don't forget."

"What's the premise?" Philip asked.

"Try to borrow more from Indonesian banks and borrow less from foreign investors." I said with a smile.

"Is there any difference? They are all banks, isn't it the same to borrow from that one?" Philip was not sure about my intention, and scratched his head and asked strangely.

"It's easy to borrow banks in Indonesia. You don't know that Indonesia's corruption is famous all over the world. As long as you give the staff a little benefit, it's very simple to borrow money, and the revised terms are much more convenient and beneficial to us. Haha, do you understand?" I lowered my voice and smiled and said in his ear.

"You mean...bribery?" Philip asked in surprise.

"No, no, no!" I shook my head and smiled. I knew very well that he received the education and living environment. Although it cannot be said that there was no bribery in the United States, after all, this kind of thing is very rare, and I operate it with some open and honest banners. Bribery is basically impossible to see. Otherwise, the laws of the United States are not vegetarians, and the result after being found is very serious. So I changed my tone and explained to him: "How can I say it is bribery? It is just a business social etiquette model. And I will transfer some funds from Chinese companies for you to operate, and it will not involve American companies. Don't worry."

"This... well, I understand." Philip was not a fool either. He recalled what I said, understood my intention, and nodded in a laugh and cry. He must be muttering in his heart why I, a Chinese, have so many ideas, and are so curved that it is hard to understand. He even has to find an excuse to make a bribe, not to say another word, but also cleverly uses funds from other places to do it, thus leaving the US tax department out of the United States and evading responsibility.

After sending Philip away, I went downstairs to have some supper. After returning to the room, I picked up the document and read it. While reading it, I felt proud and burst into laughter. In fact, the document was not an important information, but a draft bank loan agreement from Indonesia in the name of my American company. In this document, I borrowed 460 billion Indonesian rupiah from Indonesian banks, equivalent to about 200 million US dollars. Now according to my plan, I am planning to add another ten times, which is 4.6 trillion Indonesian rupiah, worth a huge loan of 2 billion US dollars.

Some people may be puzzled and think that I am not planning to make a fortune by taking advantage of the financial crisis? Why did I borrow money from an Indonesian company? In fact, it is very simple to put it bluntly. This trick is a trick I learned from Soros, and the purpose is to borrow money first in order to make money.

Because I know that the Indonesian currency is now open, and hard currency such as the US dollar, pound, etc. can be exchanged freely. After the money is received, I immediately arranged for people to exchange a large part of the money into hard currency first, and all the rest will be used to acquire some of Indonesia's mineral mining rights and other real estate. As long as the financial crisis breaks out, the Indonesian rupiah will start to fall sharply. Its exchange rate against the US dollar will start from 2300:1 and fall to 10,000:1, or even lower. At that time, I will help it pour oil on the fire, and short the Indonesian rupiah with the US dollar exchanged for the borrowed money. When it reaches the lowest point, I will exchange it back and return the loan and interest to the bank with a lot of Indonesian rupiah that is not worth much, ensuring that the Indonesian government will suffer more losses than history, so as to achieve the goal of making a big profit.
Chapter completed!