Mount Tai collapsed in front of him without changing his face.

Faced with a real estate client whose capital chain was in jeopardy and about to be overdue, my bank leader kept his face straight and used sweet words to persuade the client to return the life-saving money to the bank.

Lao Qian, the head of the department, secretly told me an industry secret that day: the risk director of a bank stopped a loan from a real estate developer, causing the other party's funds to break. He was chased by the desperate real estate owner with a knife and was hospitalized. I almost lost my life.

Lao Qian never thought that one day he would also stop other people’s loans, but the outcome would be different. The real estate boss went bankrupt, but he retired, got a promotion and a salary increase, and became the biggest winner.

Lao Qian is the department head of the credit business and also my boss.

He is a Virgo and has a natural sense of risk control. He has been in the industry for 10 years and has almost zero non-performing assets. His legendary experience is still being praised in the city's banking system.

One day, a big client, Lao Lin, came to the company. Lao Qian thought that Lin was a dangerous person who might tarnish his perfect career.

Old Lin is a small real estate developer and one of the first business owners in the Jiangnan area to reap the dividends of reform and opening up. In 1981, at the age of 17, he started a building materials business in a small town near our urban area. After earning the first pot of gold in his life, he became unstoppable. He started trading, opened a bar, ran a hotel, and even started a jewelry business. At the end of 2009, Lao Lin, who was already rich, set his sights on the real estate business, which was already experiencing a serious bubble.

Looking at his actions back then from today’s perspective, I have to lament that Lao Lin’s decision was a bit of a David-challenging-Goliath-style overestimation of one’s capabilities, not to mention that China’s real estate market has been rising year after year. Later, a downward trend appeared for the first time. As a small boss with a net worth of only over 100 million wanted to overcome many industry barriers and get involved in the real estate industry that he had never been involved in before, you can imagine the difficulty and unknown risks.

"-You must be careful about rashly entering customers in industries you are not familiar with." Lao Qian told me again and again afterwards.

After a lot of thinking and decision-making, as well as some casual field research and experience learning, Lao Lin and several partners established a real estate company. He took pictures of every inch of land in the development zone of our city. He spent more than 1 billion on a piece of land worth an inch and clamored to build the city's largest hotel-style apartment complex here. He gave his piece of land a resounding name - Bandung Plaza. Everything is growing and business is booming. Lao Lin's real estate dream seems to be very beautiful. It has been completed and will realize his long-cherished wish to guide the country.

However, the real dilemma is that starting from the first pile of foundation, it is destined to be a long-lasting suffering. The construction started only one month ago, and coincided with the introduction of the purchase restriction order. All three apartments purchased by the family need to be paid in full.

The ensuing housing price decline has frustrated many of Lao Lin’s investors, who withdrew most of their capital in just two months. Construction site accidents occurred frequently, the quality of the scaffolding was not high enough, and the raw material prices~ These unexpected joys of skyrocketing have always troubled Lao Lin. Without in-depth personal experience, you simply cannot appreciate the infinite scenery that outsiders see.