Counterattack starts with controlling probability

Li Hao came to the Beijing North International Trade Branch of Zhaogong Bank.

This is the bank that holds the fund he once established, and it is also the first and only bank where he has issued a private bank card.

But it was the bank that kept asking him to repay the money, suing him, and auctioning off his properties.

Coming to the place where his dream began and ended again, he was filled with emotion.

Li Hao sighed, lamenting the fickleness of the world and also lamenting his own good fortune after bad times.

Just as he was sighing to himself, a familiar voice interrupted the rich activity in his mind.

"Hey! Isn't this Mr. Li, Mr. Li the Debtor? How come you have time to come to us today? Are you tired of being a driver?" A customer manager in charge of the bank's loan business saw Li Hao and greeted him "friendly".

It was obvious that they knew each other and had a very ordinary relationship.

"Manager Liang, you're joking." Li Hao couldn't help but feel a little disgusted when he saw this face. "I've been taking a break for the past two days and came here to do some business."

"Mr. Li, the repayment date is approaching this month. I see that you have defaulted on your payments quite a few times. The penalty and revolving interest are almost as much as my salary for several years. You are really worthy of being my name!" Manager Liang smiled.

He then added, "If you come today and still want to postpone your repayment, I'm sorry I can't oblige. We've already given you a five-year extension. So, you're relying on your youth and want to pay it back for another 20 or 30 years? By then, it'll be too late!"

When Manager Liang first processed the loan for Li Hao, he thought he was a very high-quality private banking client who just needed some money for turnover, so he was very respectful and had a very good attitude.

Unfortunately, the good times did not last long. Li Hao's fund company faced huge compensation and the market fell into a trough again. He had no chance to make a quick comeback.

As a result, he went from being a private banking customer to a "key concern" customer who could not repay his debts.

After Manager Liang experienced this, after issuing the loan, not only could he not pay out the bonus, but he also had to deduct the money and go to court to sue. His life became very uncomfortable.

No wonder he was in a bad mood.

"Manager Liang, I'm here today..." Li Hao paused deliberately, then said loudly, "I'm here to process early loan repayment!"

"Repay the loan in advance..." When Manager Liang heard this word, he felt very unfamiliar for a moment.

After all, in this market environment, most people stop paying their loans, simply cannot repay, or apply for loan extensions.

Few people have the ability to repay their loans in advance, or in other words, this business has not been handled at all in recent years.

"Wait a minute, Li Hao, you are not kidding me, are you?" Manager Liang widened his eyes and the shape of his mouth corners became very exaggerated.

"What are you using to pay it back early? Huh? Just because you drive a ride-hailing service every day? Wait, did you sell a couple of kidneys? That wouldn't be enough! Or are you involved in some drug trafficking business? Or maybe you're doing telesales in northern Myanmar?"

"Don't blame me for not warning you!" Manager Liang swallowed and continued, "If you want to do it, you have to pay it all in one lump sum, including all liquidated damages and interest! If you really have that much money, I can do it for you today. I can even waive some of the interest. But! If the repayment money is illicit money from unknown sources, we will definitely treat you to tea with Uncle Hat!"

"Alright, alright, Manager Liang, I won't beat around the bush. I'm here to repay the loan early." Li Hao smiled at him and said, "It's definitely not black money."

"I know exactly how much money is in your bank account here." Manager Liang was surprised Li Hao would say this and responded, "If you want to pay it back today, you have to pay it back through a POS system at another bank, in cash! Are you sure you have it?"

"Manager Liang, I'm very busy lately. Aren't you busy too? Are you going to do it for me today? Hurry up!" Li Hao was already getting impatient.

After all, even the best-tempered person would get upset after hearing so many sarcastic remarks. And what about him?

"Okay, wait! I'll bring the POS over right away, so you don't embarrass yourself! Our equipment has a voice prompt if your balance is insufficient! And the sound is very loud!" Manager Liang walked away angrily, and didn't forget to mutter a few words, and it seemed that he didn't say anything good.

Li Hao was too lazy to pay attention to him.

He silently took out the new private bank card of Jianzhong Bank that he had opened after winning the prize.

The noble black background, large area of ​​gold and the gleaming words "Private Banking" on the card appear so dazzling under the lights of the Zhaogong Bank.

Dazzlingly ironic.

In fact, as a former private banking client of Zhaogong Bank, Li Hao has a long forgiveness period in the event of a temporary loan default.

However, because of the deteriorating market environment, the post-loan department of Zhaogong Bank adopted a "equal treatment" policy.

"We will tighten the screws on all customers who haven't paid their debts yet. We will collect debts from those who need them, prosecute those who need them, and impose fines on those who need them."

Show no mercy.

So, Li Hao made a new choice this time.

Moreover, the threshold for private banking at Zhaogong Bank is only 600 million, while for Jianzhong Bank, it is 3000 million, the highest threshold in the industry.

"Hey, look at that guy, what kind of card is he holding? It doesn't look like a card issued by our bank." A female service staff in the bank lobby whispered to her colleague.

"Well... it's definitely not. It looks a bit like one from Jianzhong Bank, but the card face looks like this... I've never seen one before." Her colleague whispered.

"This has a black background, but the proportion of gold is so exaggerated. Could it be... a card from some bath center? Hahaha! I didn't expect that this guy looks handsome but is so frivolous." The female waitress chuckled.

"What are you talking about? How many of those handsome guys are serious?" Her colleague also laughed. "Let's stop chatting and get back to work. Otherwise, we'll get scolded by the supervisor later!"

At this time, Manager Liang had already returned to the lobby with the POS.

He pointed to the empty counter next to him and said to Li Hao, "Come on, Li Hao, let's do the business here by swiping the card. I've printed out the forms for you and filled them out. When the money arrives, just sign and it'll be done! I'm just worried you don't have any!"

"Swipe this card." Li Hao said slowly and handed it to Manager Liang, his Jianzhong Bank private banking card.

Manager Liang was a little worried.

Why did Li Hao's attitude suddenly become so tough, calm and composed today?

"Hey? I want to see... what the hell?!"