Subject: Never laugh at a Chinese
Chinese man walks into a bank in New York City and
asks for the loan officer. He tells the loan officer
that he is going to China on business for two weeks
and needs to borrow $5,000.                          
                                       
                                                     
                    
The bank officer tells him that the bank will need
some form of security for the loan, so the Chinese man
hands over the keys to a new Ferrari parked on the
street in front of the bank. He produces the title and
everything checks out.    
                                                     
                    
The Loan officer agrees to accept the car as
collateral for the loan. The bank's president and its
officers all enjoy a good laugh at the Chinese for
using a $250,000 Ferrari as collateral against a
$5,000 loan.                    
                                                     
                   
An employee of the bank then drives the Ferrari into
the bank's underground garage and parks it there. Two
weeks later, the Chinese returns, repays the $5,000
and the interest, which comes to $15.41.        
                                                     
                    
The loan officer says, "Sir, we are very happy to
have had your business, and this transaction has
worked out very nicely, but we are a little puzzled.
While you were away, we checked you out and found that
you are a multi-millionaire. What puzzles us is why
you would bother to borrow $5, 000.The Chinese
replies:                                             
 
                                                     
                    
"Where else in New York City can I park my car for
two weeks for only $15.41 and expect it to be there
safely when I return."