MMB Chapter 100 HSBC isn't all that great either.
Chapter 100 HSBC isn't all that great either.
Chapter 100 HSBC isn't all that great either.
As the old saying goes, "Imagination is rich, but reality is harsh."
Mao Xiaoyu didn't think much of this sentence before, but now she realizes that reality is quite different from what she imagined.
I thought that with over 20 million in my HSBC account, I was a rich person, no doubt.
Moreover, the HSBC branch in Shanghai is currently just a branch office, not a full branch. If I want to meet with the head of this small branch office, it shouldn't be difficult with my deposits.
If I explain my problems further, the other party might help me solve them because of my savings!
Little did she know, her plan was quite good, but reality was completely different from what Mao Xiaoyu had imagined.
Two days after Mao Xiaoyu received her passport and travel permit to Hong Kong, Macau and Taiwan, she excitedly arrived at the HSBC Shanghai office, wanting to meet with the person in charge of the HSBC Shanghai office.
Unexpectedly, when Mao Xiaoyu asked the front desk, the front desk directly asked if she had made an appointment with their manager today.
reserve?
Mao Xiaoyu directly stated that there was no such response.
After confirming that Mao Xiaoyu had not made an appointment and that the receptionist had not even called, she immediately stated that the person in charge of HSBC Bank in Shanghai did not have time to see Mao Xiaoyu today.
If you wish to meet with your HSBC representative in Shanghai, please make an appointment with his secretary in advance. Once his secretary agrees, you can then come to meet him at the appointed time.
These words left Mao Xiaoyu speechless, but she couldn't bring herself to vent her anger on the receptionist.
In the end, it was the HSBC front desk manager who saw Mao Xiaoyu harassing the front desk and came over to meet with her.
"Hello sir, I'm Guo Pinde, the front desk manager of HSBC's Shanghai office. May I ask if there's anything we haven't done well in our service?"
A well-dressed man in his thirties, wearing glasses, walked over and asked in a low voice.
"Excuse me, I'd like to see your manager, but the receptionist said I need to make an appointment. I hadn't thought of that before, so I didn't make an appointment this time," Mao Xiaoyu said politely, seeing that the other person was well-mannered.
"Then may I ask, sir, do you know our manager?" Although Mao Xiaoyu looked to be only a teenager and seemed unlikely to know his manager, Manager Guo still asked in a low voice.
"I don't know him," Mao Xiaoyu said naturally.
Hearing Mao Xiaoyu's casual remark, Manager Guo raised an eyebrow, somewhat speechless. This kid doesn't even recognize his supervisor; what right does he have to meet him?
The head of their own HSBC branch office wouldn't be busy meeting with you!
If you want to meet, you should at least make an appointment!
But you're just a kid, even if you make an appointment, you'll most likely not be able to.
Of course, this couldn't be said in front of Mao Xiaoyu.
Therefore, Manager Guo thought for a moment and said, "Actually, sir, you're looking for our manager, so it must be something related to finance. Our front desk manager can handle quite a few things for you. How about we come to my office and talk? Let's see what the problem is. I'll help you solve it if I can, and if it really requires the manager's intervention, I'll go to them too, how about that?"
"Okay, since you've said so, let's do it your way." Mao Xiaoyu thought it made sense. It was better to deal with this front desk manager. If he could solve it, great; if he couldn't, she could always ask him to find someone else.
"Mr. Mao, could you come to my room so we can talk?" Manager Guo invited.
"Okay," Mao Xiaoyu replied.
The office of the front desk manager of HSBC Bank in Shanghai.
"Sir, please have a seat. Would you like something to drink?"
Manager Guo led Mao Xiaoyu to his office and asked him with concern.
"Give me some tea," Mao Xiaoyu said as she sat down.
Upon hearing Mao Xiaoyu's name, Manager Guo gave a wink to the staff who had come with him, and then sat down with a smile on his face.
A short while later, the staff brought over two more cups of tea and placed them down.
"It's been so long, and I still don't know your surname, sir," Manager Guo asked politely.
"My surname is Mao, Mao Xiaoyu," Mao Xiaoyu replied succinctly.
"Oh, it's Mr. Mao. Does Mr. Mao have any deposits or business with our HSBC bank?" Manager Guo then asked.
"Yes, I have over 10 million RMB and 10 million HKD deposited in your bank," Mao Xiaoyu said directly.
"So, Mr. Mao, what brings you to HSBC this time?"
Manager Guo looked Mao Xiaoyu up and down again. He was surprised that Mao Xiaoyu, who looked like a teenager, had so much money deposited in his family's HSBC bank account. This made Manager Guo ask her more cautiously.
"It's nothing. I'm planning to buy some Hong Kong stocks this time, so I'd like to stay in Hong Kong a little longer. But as you know, the Hong Kong and Macau travel permit only allows a maximum stay of 7 days. So I came here to ask HSBC if they could help me stay in Hong Kong a little longer," Mao Xiaoyu said bluntly.
"I'm sorry, Mr. Mao, HSBC is just a bank. We're fairly good in the financial sector, but we can't help you stay in Hong Kong for an extended period. However, if you need to buy Hong Kong stocks, you don't need to go to Hong Kong at all. We have dedicated staff at HSBC who can help you with this, allowing you to buy Hong Kong and American stocks even while staying in mainland China," Manager Guo replied with a smile.
"With a reputation as prestigious as HSBC, you can't even handle something like this? I don't want to stay in Hong Kong for long, a month or two shouldn't be a problem, right?" Mao Xiaoyu asked helplessly, frowning.
Mao Xiaoyu felt that the books she read in her previous life had misled her. She thought that HSBC could do whatever it wanted in Hong Kong, but who knew that it couldn't even extend her stay by one or two months? It seems that its reputation is well-deserved!
"Our reputation is just a sign of respect and trust from everyone. But ultimately, HSBC is just a bank, and there are some things that can't be done outside the law," Manager Guo replied succinctly.
Hearing what Manager Guo said, Mao Xiaoyu had no choice but to decide to see how things went later.
After all, I haven't arrived in Hong Kong yet. Once I get there, I'll consult a lawyer to see if I can stay in Hong Kong a little longer.
"I have a second thing to do. Take a look at this first." As she said this, Mao Xiaoyu changed her strategy and took out her property ownership certificate and A-share stock certificate from her briefcase.
Manager Guo took the documents from Mao Xiaoyu and began to look them over. After reviewing both documents, he looked up and asked, "Mr. Mao, what use do you have for showing me these two asset certificates?"
"I believe these two documents should demonstrate that I still have financial resources, and I have 2,000 in your HSBC account."
"I'm planning to use this 20 million to buy stocks in Hong Kong. And once I get there, I might leverage my funds five times to buy stocks. So I'm hoping HSBC can help me get a credit loan as collateral," Mao Xiaoyu said bluntly.
Hearing Mao Xiaoyu's words, Manager Guo looked at the documents in his hand again. And this time, he looked at them much more carefully.
Manager Guo spent another 10 minutes reviewing the documents, then looked up at Mao Xiaoyu and said, "We need to check these two documents, but they seem to be fine. If you want to use these two documents to apply for a credit loan from HSBC, we can approve a loan of 200 to 300 million for you."
Don't think it's too little. This amount is based on the two documents you provided, and it's also because you have over HKD 2000 million with HSBC, and you plan to buy Hong Kong stocks. That's why we've provided you with margin. However, this can only serve as margin. If you lose money, we will pursue you for the money you owe our bank within one month.
Hearing this, Mao Xiaoyu felt quite helpless. She thought that by presenting so many assets as proof, she could at least borrow 1,000.
I thought it would be 10,000, but it was only 200-300,000. That amount of money was only enough to make a deposit, and even then, it was only 5 times the deposit, not even 10 times the deposit.
"Okay, then let's do as you say. With my credit, I can borrow 300 million." Mao Xiaoyu played a trick, not even mentioning 200 million, but directly asking for 300 million.
Hearing Mao Xiaoyu's sly words, Manager Guo didn't mind. Instead, he glanced at Mao Xiaoyu and said, "Alright, this money won't be visible normally. It will only be revealed when you raise funds. I'll arrange for someone to mark it for you later. When you raise funds, this money will become a security deposit."
Hearing Manager Guo say this, Mao Xiaoyu breathed a sigh of relief. Although she hadn't achieved her goal, at least she could be worth two or three million with just these few pieces of paper.
However, in Mao Xiaoyu's opinion, HSBC is actually not that great. It's living up to its reputation, since it couldn't even extend its own visa. That's all there is to it.
"Then help me drive it down. I'm planning to go to Hong Kong these next couple of days," Mao Xiaoyu said.
"No problem, just give me your card, and I'll have someone help you with it," Manager Guo agreed.
In Manager Guo's view, it was perfectly normal for a customer like Mao Xiaoyu to be using a credit loan. After all, many people can borrow hundreds of thousands of yuan using credit cards, and the other party was just preparing to buy stocks and using it as margin, so it was even simpler.
Mao Xiaoyu took out her HSBC card and handed it to Manager Guo. Manager Guo then led Mao Xiaoyu to the lobby and began processing the card. No one knew how it was done, but it was completed in about half an hour.
"This card can only be used for 5 times the financing amount, with a maximum financing amount of HKD 20 million and a maximum margin of HKD 2 million," Manager Guo said as he handed the card to Mao Xiaoyu.
"Didn't you say it was 300 million?" Mao Xiaoyu looked at Manager Guo speechlessly.
"2000 million Hong Kong dollars. If we're financing, we only need a 200 million Hong Kong dollar margin. Any more than that is useless," Manager Guo said.
Hearing what Manager Guo said, Mao Xiaoyu had no choice but to take back her bank card.
"The interest rate for this deposit is the same as the financing interest rate, so you should be careful when you decide to use it," Manager Guo kindly reminded you.
Mao Xiaoyu was even more speechless when she heard that there was interest involved, but thankfully, it was the same as the interest on financing, so she shouldn't be in any trouble if she didn't seek financing herself.
Now that the matter was resolved, Mao Xiaoyu didn't plan to stay here any longer. After all, she would be leaving Shanghai for Hong Kong in a few days, and she needed to get things organized in the next few days.
And so, Mao Xiaoyu left HSBC's Shanghai office.
Then they went to find Li Gang. Li Gang had been busy for the past two weeks and had gotten quite tanned, but he was in good spirits.
Mao Xiaoyu politely asked Li Gang for 1 yuan for rent. She should have received more, but she refused and only accepted the round number.
Then Mao Xiaoyu started packing her luggage at home.
Despite the language barrier, Mao Xiaoyu didn't feel uncomfortable going to Hong Kong.
Hong Kong is still part of China, so even if you don't understand some of the Cantonese, you can still understand a little bit if you listen patiently.
More importantly, Mao Xiaoyu's English is indeed quite good. I believe that she will not have much trouble using English as a social language in Hong Kong.
There's no way around it, Mao Xiaoyu's scheming girlfriend in his past life was just too scheming.
In order to go abroad, this woman actually forced several of the "big fish" in her "fishpond" to learn English. And to make it sound better, she told her boyfriend that he needed to get used to an English-speaking environment.
Therefore, at least 90% of the conversations between the two must be in English, otherwise it means that he doesn't love her. What man can stand such words? Generally, unless he can't keep up with learning, he usually does learn quite a bit.
Mao Xiaoyu thought it was pretty good at the time, and even got a few English certificates. Four years wasn't a waste of time, and it could be considered a reward from his girlfriend at the time!
I'm going to Hong Kong now, and I can communicate in English. Even if I don't understand Cantonese, I believe it shouldn't be a problem.
Time flew by, and finally July 29th arrived, the day Mao Xiaoyu prepared to leave Shanghai for Hong Kong.
Neither of Mao Xiaoyu's parents went to work that day. In order to send Mao Xiaoyu to the airport, her parents dressed up specially. People who didn't know them would think that Mao Xiaoyu's parents were going to Hong Kong.
Because the flight was in the afternoon, Mao Xiaoyu's parents got up early in the morning to buy fish, duck, and chicken, and prepared a hearty breakfast and lunch.
After they had eaten and drunk their fill, Mao Xiaoyu's parents and Mao Tingting took her to Shanghai International Airport.