Reborn in America, I'm serious about making money.

"Stephen, as expected, I didn't make a mistake in befriending you. I'll accept this gift, haha..." Boss Liu laughed as he held the large diamond necklace, admiring it. It wasn't that he liked this kind of thing, but that someone else liked it, and he felt confident again.

Zhang San said humbly, "I'm glad you like it, sir. I don't even know what kind of gift you would like."

This is a stunning piece, surrounded by a white diamond in the center and several pink diamonds around it.

"Brother, I'm off now. I'll treat you to a yacht trip in a few days."

Seeing Boss Liu leave in a hurry, you know what he's up to; he's busy with his own business, which is taking out loans.

Companies under the New Era Financial Group have also started getting busy, with the overseas trust bank recently holding an event.

"Mr. Lin, if you deposit your money in Haituo Bank, the annual interest rate will be one percentage point higher than other banks, which is much better than elsewhere. If your deposit exceeds one million Hong Kong dollars, the annual interest rate will be 1.5% higher for one year. This is only for this year; it will return to normal next year."

A customer manager at Haito Bank is soliciting deposits from customers.

The account managers under the New Era Financial Group are all beautiful women, or at least of above-average appearance, or have distinctive features. In Zhang San's words, they either have long legs, broad chests, or slim waists. They must have at least one of these qualities that clients like. If they are fair-skinned and beautiful, that would be even better.

Recently, a group of beautiful women from Eastern Europe and Russia came to Hong Kong. After arriving, they will undergo training and become greeters. If they are good at Hong Kong dialect and English, they will become account managers.

When the eldest brother in the north splits up, in addition to non-biological resources, another traditional resource will also be divided up: people. Besides experts, there are also beautiful women, who are also a very important resource.

Otherwise, Utah wouldn't be known as Europe's backyard.

However, Lin Sheng did not respond to the account manager's introduction. He said, "Miss, this interest rate is not high. Why not invest in stocks..."

The beautiful account manager wasn't in a hurry. She listened with a smile as he finished speaking, then said, "Mr. Lin, if you're looking for high returns, we also have a type of investment-linked insurance. It's popular in Europe, America, and Japan; we call it 'Eternal Happiness.' Let me explain... If it's ten years from now, the annualized return will be over 10%. After ten years, there will be dividends, life insurance, and it can also be used as accident insurance, and of course, as medical insurance..."

Mr. Lin thought this type of insurance sounded reasonable, so he asked, "How do I invest in this?"

There are many such situations. If the customer doesn't want to deposit money, then sell insurance. If they're still not satisfied with insurance, then sell funds. There's always one that suits the customer. If they're still not satisfied with funds and want to open a stock trading account, then there's securities account opening with low commissions.

In short, you should check out the whole financial suite.

Haito Bank died on a cheque ship, and Wing On Bank died due to poor management. Shareholders and executives treated the bank's deposits as their own money and were unable to repay the loans they had taken out.

The current New Era Financial Group is very aggressive. Wing On Securities holds HK$20 billion in securities assets, with a market value of HK$37 billion at the time. These are shares that Zhang San has been continuously buying from 1990 to 1992.

They are currently raising funds by investing in stock index futures and pledging these stocks as collateral; they are using every possible means to do so.

Some people in Hong Kong's banking circle joked, "This bank is too aggressive. If the stock market crashes, they're finished with this kind of aggressive approach."

"Heh... a greenhorn thinking he can make money in Hong Kong? He probably doesn't know how he'll die, heh..."

Some joked, "Hopefully, they'll still have some useful assets left by then."

This is a prelude to dividing up the New Era Financial Group, but now is the time when global speculative capital is looking for outlets for its funds, so naturally it has its sights set on this place.

The high deposit interest rates at Haito Bank attracted a lot of funds to be deposited there, since the term was only one year. Moreover, the bank had 800 tons of gold stored there, so it was not afraid of going bankrupt; at worst, it could simply sell the gold.

In just three months, one-year deposits attracted HK$2 billion, which is quite impressive.

Yongan Securities' actions were also exposed, leading some to feel that the bank was far too aggressive.

Besides this, Haito Bank only provides loans for the purchase of shops, residences, commercial buildings, and land, and the loan amount is very high. For five-year loans with equal principal and interest repayment, the down payment is only 10% of the original amount.

Moreover, its advantage is that the loan approval is fast and clean collateral is all that is needed.

At the time, newspapers reported: "New Era Financial Group is too aggressive, going to any lengths for its customers. This lenient lending style carries risks."

However, people in Hong Kong flock to these loans, not for any other reason than that the interest rates are low, the procedures are simple, and the approval process is quick.

Besides Hong Kong, NT-MS, following Zhang San's advice, used its idle funds to buy US Treasury bonds—two billion US dollars—without borrowing, and then used these two billion US dollars to take out loans.

This move left many other shareholders puzzled as to why it was done this way. However, Zhang San stated at the time, "If we lose money, my dividends will cover it. Of course, if we make a profit, I will receive my rightful share."

The other shareholders no longer objected and expressed their support, their underlying thought being that you'd better lose your own shares to us as well.

In addition to this, New Era Corporation used its shares in NT-MS and Scout as collateral for a $5 billion loan from Citibank.

After negotiations, Citibank responded that they needed to use interbank lending to provide this huge loan to New Era Company—it was freaking huge.

The funds are expected to arrive gradually over the next three months.

MCA also submitted a $2 billion loan application to the bank...

All of Zhang San's companies are taking out loans from banks, and the loan amounts are enormous. This has had a huge impact not only in North America but also globally. They just want to know what this newly emerging conglomerate is up to.

"Perhaps their boss has discovered some incredible way to make money, hehe..."

Actually, there's nothing special about it. He will use these loans to buy US Treasury bonds. At this time, US Treasury bonds are still very strong hard currency. The separation of the Northern Big Brother will make US Treasury bonds even stronger.

"With loans and buying US Treasury bonds, I'll have to pay much less in taxes next year!" Zhang San thought to himself.