Madam's black history was picked up

Lin Wan was watched by four handsome young and promising men, her heart beat wildly, she stood there at a loss.

Xiao Mo kindly reminded: "Miss Lin, if you still stand there, we will finish eating."

"Oh." Lin Wan came back to her senses and quickly poured wine for the four of them, but judging from her faintly trembling hands, she was still extremely nervous inside.

Yang Dazhuang looked at Lin Wan with a smirk on his face: "Miss Lin, why are you shaking? It's not appropriate for you to shake here."

"Hahaha..." The other three laughed at the same time.

Lin Wan blushed immediately, and the hand holding the wine trembled a bit, spilling a full glass of wine on Si Tianmu's black trousers.

Lin Wan was shocked: "I'm sorry, I'm sorry, I... I didn't mean it."

She stared at Si Tianmu's pants at a loss, and subconsciously wanted to reach out to help Si Tianmu wipe them.

Seeing this, Si Tianmu grabbed Lin Wan's wrist, and looked at her with a smirk on his face: "Miss Lin, don't grab randomly, it would be bad if you grab where you shouldn't be."

"Hahaha..." The three buddies laughed heartlessly again.

Lin Wan's face turned red up to her neck, and tears welled up in her eyes.

Don't others say that President Si's is gentle and polite?He also said that he was willing to be an infatuated seed for his first love.Why did the president she saw look like a hooligan?

And those few friends of his, why are they different from what was said in the news, each of them is full of bad water.

Xiao Mo looked at Lin Wan who was about to cry, and stopped the smile on his face: "Okay, let's stop teasing Miss Lin, if we make Miss Lin cry, it will appear that we are bullying others."

Lin Wan glanced at Xiao Mo resentfully, aren't you bullying?

Si Tianmu also put away the smile on his face: "Miss Lin, don't worry, we brothers like to joke around together, and we don't have any thoughts against you. You put the wine here and go out, we pour it ourselves."

Lin Wan bit her lip, Si Tianmu had issued an order to evict the guests, it would be too cheeky for her to stay here, but she was a little unwilling to go out like this.

Seeing Lin Wan standing there without moving, Si Tianmu immediately turned cold: "Miss Lin, you can go."

Seeing that Si Tianmu was upset, Lin Wan hurriedly blurted out, "But I wet your pants, why don't you take them off and I'll wash them for you!"

As soon as these words came out, the four present were stunned for a second.

"Hahaha..." The three buddies laughed and leaned forward, and Yang Dazhuang even slapped the table loudly.

Si Tianmu closed his eyes and held his forehead.

Yang Dazhuang laughed out of breath: "Mu, why don't you take it off and let her wash you, hahaha..."

Lin Wan also knew that she had said the wrong thing, and it was too embarrassing to stand there.

Si Tianmu put one hand on the table to support his forehead, and waved towards Lin Wan with the other, signaling her to go out quickly.

At this moment, Lin Wan really couldn't find a reason to stay, bit her lip and walked out reluctantly.

A meal ended with the laughter of several people.

The smile on the face can be seen by others, but the pain in the heart can be felt by others.I really want to go back to the past, but I suddenly wake up, only to find that everything is unbearable.

After Si Tianmu took care of the work on the construction site, he focused on the loan.Their company has many industries and cannot gather all the funds in one place, so it is imperative to borrow from the bank for turnover.

Athena Chu from the finance department gave Si Tianmu the information of the three banks.

Si Tianmu finally chose Zhenxing Bank. The president of this bank, Xu Xing, was also a man of influence. He once turned the tide and helped the Zhenxing Bank, which was on the verge of bankruptcy, to become one of the four major banks.

Si Tianmu asked Si Hao to contact Xu Xing in person and invite him to have dinner together tomorrow night.

Si Hao was very efficient, and he came back within 10 minutes to report to Si Tianmu, saying that Xu Xing had agreed to their dinner, and they would meet at the Shengshi Hotel tomorrow night, and Si Hao had already booked a private room.

Si Tianmu nodded, and continued to look at the documents in his hand. He wanted to prepare for the negotiation tomorrow night.

God is fair. He gives everyone a key to open the door to success. As long as you grasp the key and persevere, the dawn of success will shine on you without hesitation.

At six o'clock in the evening, in a private room of Shengshi Hotel, Xu Xing arrived as scheduled.

Si Tianmu looked at the person in front of him without any trace. He was about 50 years old, with gray hair, and he was wearing a Chinese tunic suit. He was very energetic.

Xu Xing also looked at the young man who was headed opposite. He was dressed in a gray suit, not only imposing, but also calm and majestic.

Xu Xing nodded with a smile, he is a very accomplished young man.

Si Tianmu came to Xu Xing and extended his hand politely: "President Xu, hello, I am Si Tianmu."

Xu Xing raised his eyebrows, neither humble nor overbearing, he did not put himself in the position of begging for help, and won the initiative for the next negotiation.

Xu Xing smiled and stretched out his hand: "Hi, President Si is really young and promising."

"You're too much." Si Tianmu then introduced Si Hao who was beside Xu Xing.

"This is my secretary, Si Hao."

Si Hao stretched out his hand to Xu Xing: "Hello President Xu, I am Si Hao who talked with you on the phone yesterday."

"Hello, Si's Group is really Crouching Tiger, Hidden Dragon." Xu Xing praised with a smile, and shook hands with Si Hao.

Si Tianmu smiled, but said seriously: "Thank you President Xu for your compliment. It is our honor to have dinner with a legend like you."

"Hahaha..." Xu Xing waved his hand.

"I don't dare to be a legend, it's just taking advantage of my age."

"Please." Si Tianmu made a gesture of invitation.

After the three of them were seated, Si Tianmu spoke first: "I know President Xu doesn't like to eat too loudly, so I only brought Secretary Si here with me. You don't blame me for being too casual, do you?"

"Hehe, no, no, I really like to eat quietly, and the president's move is exactly what I want."

Si Tianmu slid the ordering tablet, and then handed it to Xu Xing: "The above are the spring health recipes specially made by this store. What do you like to eat?"

"I don't pay much attention to my meals, as long as I can eat enough." Xu Xing said while taking the tablet.

"When I was studying abroad when I was young, I was often hungry."

"Oh? Then President Xu, can you tell us about your youthful experience?" Si Tianmu looked at Xu Xing seriously.

"To be honest, I am very curious about your legendary experience. What did you go through abroad that made you achieve such extraordinary achievements after returning to China."

Si Tianmu was very good at guiding topics. During the whole meal, he basically guided Xu Xing to speak, and Si Tianmu and Si Hao echoed a few words from time to time.

After a meal, the atmosphere on the table became more harmonious, and Xu Xing chatted happily.

After eating, Si Tianmu asked the waiter to remove the food and brought tea, and the three of them got down to business.

Xu Xing took a sip of tea: "President Si is not just inviting me to dinner today."

Si Tianmu smiled: "It is really important to invite you to dinner today, because I really want to make friends with someone as knowledgeable and courageous as you."

"Even if you don't have any business contacts, you can learn a lot just by chatting with you normally."

"There is one more thing I want this time. If you want, we can talk about it. If you are tired today, we can find time to talk about it another day. So it's up to you whether to talk or not."

"Hahaha... The president of the company is really a good negotiator. It seems that I have the dominant power, but in fact he proposed a choice that I can't refuse."

Si Tianmu smiled and said nothing.

Xu Xing restrained the smile on his face: "If I'm not wrong, the president of the company is here today for your group's loan."

Si Tianmu smiled: "Food is the main thing, and the loan is secondary."

Xu Xing said seriously: "Actually, Zhu Yin, your financial director, also approached me before. She gave me a very detailed loan application. Our leadership also held a meeting to discuss it, but it was not approved."

"Because your loan amount is too large, which makes our bank a bit overwhelmed."

Si Tianmu smiled, and was not in a hurry to express his opinion, but looked at Xu Xing: "President Xu, my class is showing off, and you can see if I am right."

Xu Xing made a gesture of invitation.

Si Tianmu said, "It's different for small companies and large companies when you lend money."

Xu Xing raised his eyebrows, but he didn't interrupt Si Tianmu's words.

"Even if a small business has rich connections and wants to get a large loan, your bank will often tactfully refuse; and even if a large company does not need a loan, maybe your bank staff will come to ask for a deposit or loan from the other party."

"Why?" Si Tianmu looked at Xu Xing, and Xu Xing looked at Si Tianmu with a smile in his eyes.

"I think the key issue is that bank and corporate managers have different perspectives and focus on different things."

"For example: a small company has a high gross profit margin, which is very important to business managers and shareholders, but short-term loans from banks do not value this."

"Banks usually don't regard profit as a particularly important indicator, as long as they don't make operating losses. After all, banks cannot share the high profits of enterprises, and profits may not necessarily form cash flow for repayment."

"There are two types of repayment sources that banks are most concerned about: direct repayment sources and guaranteed repayment sources."

When Xu Xing heard this, there was a look of admiration in his eyes. It seemed that the president of the company had done his homework before he came. He couldn't help but appreciate the young president again.

Success will always only favor hardworking people.

"For small companies, banks usually focus on their collateral and liquidity, while for large companies, banks focus on the stability of their business prospects and their market position."

"Banks often weigh their own benefits, costs and risks. If the loan is acceptable, they may not. But at this time, if the company can help the bank get some deposits, after weighing, the bank is willing to make the loan."

After Si Tianmu finished speaking, he looked at Xu Xing: "Are you right?"