I Am a Nobleman in England

At four o'clock in the afternoon, Arthur with a smile on his face led lawyers James and Robert Lang out of the gate of the London headquarters of the Halifax Bank, which is located in the triangular building at the intersection of two streets.

It has to be said that Halifax Bank of Scotland, the largest mortgage and savings provider in the UK, is indeed more courageous than Santander Bank. After learning that Arthur's two novels have sold for a good price, and After confirming the contract, the young earl was immediately listed as a VIP customer of Halifax Bank.

He promised to re-evaluate the loan business with the qualifications of high-quality customers, that is, to give Arthur more loan amount and lower loan interest rate.

"Boss, the main reason is that they saw your repayment ability." On the car back to the hotel, the financial advisor Robert Lang said with a smile.

Arthur smiled and nodded. In fact, the whole world is the same. Banks are the most snobbish industry.

Banks are understandably afraid of taking risks. However, from the perspective of the development history of banks, banks generally take on the role of icing on the cake. Only when the enterprise really develops, bank funds will choose to intervene, and rarely do things that are needed.

Of course, it cannot be said that banks always give umbrellas on sunny days and collect umbrellas on rainy days. The main reason is that due to the lack of monitoring methods, it is difficult for banks to monitor the real operation of borrowers. Be very cautious.

Anyone who has done bank credit knows that banks divide customers into several categories, VIP customers, high-quality customers, and general customers. The specific classification methods of each bank will be different, and related industries also have priority support and restrictions.

At any time, banks are more inclined to support high-end customers in the approval system. They like good collateral, good industries and good customers. They think that these customers have lower risk levels and less overdue risk, so approval is easier.

For ordinary customers, if they cannot provide collateral that is easy to realize and maintain value, it is generally difficult to obtain credit funds.

For high-quality customers, it is an important resource that every bank is vying for.

The main thing is repayment ability. As long as there is repayment ability, banks, including other financial institutions, dare to lend money. If a person does not even have repayment ability, who will borrow money?

The loan information submitted by Arthur before, whether it is the farm rent, the EU agricultural subsidy, or the profit of the publishing house, although they all show their repayment ability, but after analysis, there are also certain risks, so the bank did not dare to release it to Arthur. Too much money.

However, the two novels that sold at a high price before they were published have given the bank more confidence. As I said before, publishing a book in Europe and the United States is equivalent to printing money, and selling the copyright of a novel before it is published is undoubtedly the same. It indicates that the young earl writer has two money printing machines in his hands. This kind of customer is not a high-quality customer. Who is a high-quality customer?

"Robert, you can now disclose the information about the preferential treatment we got at Halifax Bank to Santander Bank. I want to get this matter done as soon as possible, and I can't drag it any longer..."

Arthur squinted his eyes slightly, with an incomprehensible light in his eyes, and told Robert Lang, don't banks like to compete for high-quality customers, don't put pressure on them, and don't know when it will be delayed, miss the opportunity, cry The man is Arthur Boleyn.

"Okay, boss, I know what to do." Robert Lang immediately understood the intention of the young boss. No wonder he didn't mention Halifax Bank when he talked with the credit manager of Santander Bank in the morning. Before speaking in front of the credit manager of Halifax Bank, he said the low interest rate given by Santander Bank.

Now in turn notify Santander Bank to let both parties know that there are competitors and maximize their own interests. The method is simple and effective. Robert Lang also has a new understanding of his young new boss.

This is the case with people and things. Only with competition can there be motivation.

Arthur, who returned to the hotel in a good mood, unexpectedly saw his fellow cheap sister Eddie Boleyn leaning on the sofa, holding a coffee cup, staring at him with strange eyes .

"Ahem, what kind of eyes do you have? Is there something wrong with me?"

Eddie Boleyn stared at him a little guilty, could it be that the other party noticed something? No, I never showed my feet. . . All kinds of suspicions immediately flashed in his mind. Arthur raised his eyebrows, coughed slightly in embarrassment, and looked down at himself, as if something was wrong with me.

At this time, Emilia, who heard Arthur's voice, came out of the bedroom. Just as she was about to say something, she saw Eddie Bolin put down the coffee cup in his hand, stood up from the sofa, and reached out to stop Emilia from speaking ,'Do not talk. ’ He walked up to Arthur, tilted his head, with a strange expression on his face, and started to examine Arthur in circles.

"Is there something wrong with you? Nervous!"

Arthur, who was surrounded and scrutinized, finally couldn't bear it anymore, rolled his eyes angrily, stretched out his hand and pushed Eddie Boleyn aside, walked to the sofa and sat down, and turned to Emilia, "You Why did you call her here?"

Emilia shrugged helplessly, and when she was about to say something, she heard Eddie Bolling say, "If it wasn't for Emilia, I wouldn't have known you had become a writer, God, it's like It's a big joke..."

Hearing Eddie Boleyn's words and that exaggerated expression, Emilia rolled her eyes and covered half of her face with her hands. She knew that the siblings were about to start again, as expected.

"Is it a joke? Well, whether it's a joke or not, my two novels have sold at high prices, tsk tsk, I really let you down." Arthur didn't understand what was going on when he heard the ridicule of his cheap sister After doing this, the worries in his heart disappeared, and instead he began to fight back against the other party's cynicism.

"Ha! At your level, you still write novels. You can't force Tom to self-publish, right?"

Arthur looked at his cheap sister's arrogant face, turned to look at Emilia and asked, "It was a mistake for you to bring her back. This idiot, doesn't he ever read newspapers?"

Emilia spread her hands speechlessly, and said, "I told you, but she didn't believe it. She said, you can't even spell some words, writing novels? Selling copyrights, it's just a dream, saying that all of this It was you who lied to me..."

"Cough cough..." Arthur was almost stunned by these complaints, and he was so angry that he almost lost his temper. After coughing for a while, he looked at him, you see what I said is right, he is a liar. The cheap younger sister who looked like she was easily exposed, shook her head and said with a smile: "Eddie, don't mess around all day long. If you have time, read newspapers, read some news on the Internet, it will help you increase your IQ!"