Reborn with Consumption System-Chapter 614 - 271: Making an Appearance (Part 2)

"Mr. Han, let me introduce someone to you."

Liu Minghao treated the occasion with great importance. Standing beside him were Jinguang's President Qi and another young man.

President Qi wasn't the focus; the young man was.

Jin Minghui, currently a graduate student in economics at Fudan University, was not yet employed. His father was the top leader of Magic Capital Bank.

Han Lie wasn't too familiar with Magic Capital Bank. He only knew it was the first city commercial bank in the country approved for operation outside its base city. It had been listed after a stock market crash, and its market value had fallen to just over 80 billion.

Well, with net assets exceeding 170 billion and a market value less than half of that, this was the norm in the banking industry.

Disregarding its market performance and focusing solely on business operations, the bank had actually done quite well. Its total assets nearly reached 3 trillion, ranking it third among city commercial banks.

Given Magic Capital's nature as a financial center and the intense competition, coupled with such limited resources allocated from above, this achievement was no small feat.

Of course, the development of Magic Capital Bank had nothing to do with Han Lie.

The reason Han Lie immediately considered its development was that he wanted to assess the caliber of its helmsman and, from that, determine how to treat Jin Minghui.

Too calculative, huh?

It wasn't about people in finance being a certain way; rather, in high society, thoughtfulness and decisiveness were essential to remain invincible.

If you don't think things through meticulously, no one else will prevent you from falling into traps.

「...」

Jin Minghui was quite polite, and his first words after the pleasantries were very complimentary.

"Mr. Han, you've even given lectures at SISU. When will you hold one at Fudan University for us?"

Wow, he knew about this afternoon's event by evening.

Although it wasn't exactly a secret, it showed Jin Minghui's attentiveness towards Han Lie.

And such attention often implied he wanted something.

Han Lie secretly raised his guard and smiled, waving his hand. "SISU is my alma mater, so I gritted my teeth and endured the ordeal because I couldn't refuse. Fudan is renowned for its exceptional talent and inspiring atmosphere; I wouldn't dare embarrass myself there."

"Don't say that, you're being too modest!"

Jin Minghui's laugh was very traditional and composed, conveying an unflappable maturity.

"My undergraduate major was finance, and my graduate studies are in economics. I can assure you that students from both departments are eagerly anticipating your visit. Really, you must come next semester!

Of course, I don't carry enough weight, and it's normal for you to have concerns. Our department head and my father will definitely put you at ease."

Han Lie understood and asked indulgently, "Is Chairman Jin also an alumnus of Fudan?"

Jin Minghui smiled modestly. "My father is currently serving as the co-chairman of the Fudan Huaxia Financial Circle Club..."

Good heavens! So Fudan was a major force in the financial world?!

Han Lie was quite surprised and finally recognized the true extent of Old Jin's influence.

Magic Capital Bank wasn't considered large; at least, not among the top-tier banks in Magic Capital.

However, in Magic Capital's financial circles, certain forces could not be overlooked. These included Fudan's School of Economics and Management, Jiaotong University's Advanced Institute of Finance, and the Qingbei investment banking network, to name a few.

There's a saying: "No investment banking outside of Qingbei, no finance beyond Fudan and Jiaotong."

It's a slight exaggeration, but largely accurate.

The next tier of institutions, such as the universities of finance and economics, international trade, and Renmin University, show significant stratification. Top talents often remain within their respective ecosystems, while other graduates are primarily found in mid-level industry positions.

Looking solely at Magic Capital, Fudan, Jiaotong, and Shanghai University of Finance and Economics were the absolute leaders.

It's no exaggeration to say that as long as one could get into the respective majors at these universities, they would receive excellent training starting from their junior year. The advantages were so great that outsiders could hardly fathom them.

In his previous life, Han Lie had seen far too much preferential treatment.

It was extremely unfair and infuriating.

But these individuals had worked hard to get into 985 universities and, by dint of academic prowess and diligence, received guidance from their direct seniors. What part of that contradicted common human sentiment?

None whatsoever.

Han Lie asked himself: If I were a big shot from Fudan or Jiaotong, I would also prefer to offer more opportunities to my juniors. In most cases, they simply have more potential for cultivation than graduates from second-tier universities.

So he had only himself to blame for not studying hard enough. Once in society, even by giving his all, he couldn't catch their express train.

Now, Han Lie could clearly see where his past anger stemmed from—on the surface, it was resentment of injustice; in reality, it was resentment that privilege hadn't shone upon him.

Pretty meaningless.

Today, Han Lie certainly didn't need to hitch a ride on anyone else's coattails, but he still had to deal with mainstream powers.

Even if one didn't plan to join a particular circle, it was still essential to be acquainted with them.

Old Jin was the most important and crucial figure in Fudan's financial circle. Magic Capital Bank was his foundation, but it didn't fully reflect his influence.

Therefore, Han Lie consciously displayed a "solemn respect."

"My apologies for my ignorance. It turns out Chairman Jin is the true senior... I must seek his advice in person when the opportunity arises."

"Don't worry, there will definitely be an opportunity. My father also speaks very highly of you, Mr. Han," Jin Minghui said with a steady smile. He then began to chat with Han Lie about various economic topics, seemingly without end.

Han Lie didn't understand the young master's underlying intention, but he wasn't intimidated. With his Level 4 Economics, he was far more astute than a typical graduate student. He comfortably held his own in conversation with Jin Minghui, who hailed from a family with deep-rooted financial expertise.

In the middle of the conversation, Young Master Jin suddenly asked, "Mr. Han, what is your view on banks moving assets off-balance sheet?"

Hmm?!

Han Lie was taken aback, then a flash of insight struck him, and he understood.

So that was his plan!

ABS business wasn't just a lifeline for real estate developers; it held great significance for all related parties in the chain.

From the banks' perspective, the "correct" model served to move assets off the balance sheet.

To briefly explain the concept of banks moving assets off-balance sheet—

With the cooperation of the trust and securities industries, banks can transfer credit assets off their balance sheets.