Chapter 94 Visiting Liao Chong Hing Bank
On January 8, Yang Wendong and Wei Zetao went to the Liao Chong Hing Bank branch in Tsim Sha Tsui, which was the bank where Yang Wendong came to open an account.
Last time I got up early and came here, but this time I couldn’t do it with Wei Zetao. For this reason, I made an appointment for a taxi the night before.
After arriving at the intersection next to the bank, the two got out of the taxi.
Wei Zetao smiled and said: "Yang Sheng, the building where Liao Chuang Hing Bank is located has an underground garage on the first floor, but taxis are not allowed to enter, so we can only leave through the main entrance."
Yang Wendong nodded and said: "This is a good way to screen big customers. Just see if you have a car."
In any era, banks or similar financial and insurance departments will screen customers, even This will be true of society as a whole.
Where there are many cars, it is natural to select luxury cars such as BBA and Rolls-Royce Bentley. In places where there are few cars, any car is the best evidence to judge a person's financial strength.
Wei Zetao nodded: "Yes, if you don't even have a car, most Chinese banks will not take such customers seriously at all. However, I have already told the people at Liao Chong Hing Bank about Yang Sheng's situation. Yes, they still pay more attention to it."
"That's good." Yang Wendong smiled and said, "As long as we wait for a while, the car will be nothing to us."
Nowadays, it is not absolutely impossible to afford a car, but the company is spending money everywhere now. It is not necessary for the time being. We just need to wait a little longer until the factory capacity expansion is completed. Whether it is a sticky mouse pad or sticky notes, All can bring huge wealth to the company.
Wei Zetao said with a smile: "Yes, we are in the preliminary stage of development now. As long as this step is successful, the future will be much better."
"Let's go inside." Yang Wendong He smiled lightly and said: "If we succeed, everyone will enjoy endless glory and wealth in the future."
Previous In this world, some "public intellectuals" often brainwashed people on the Internet to say that super rich people started from scratch and were diligent and frugal. When he was young, Yang Wendong thought that such people were pretty good;
But later after he became a little rich, even though his net worth was still higher than Not one thousandth of those of the super rich, but I still have to complain: 213.
Isn't it a shame to make so much money and not enjoy it? What's the purpose of making money?
Of course, when I got a little older, I realized that those "public intellectuals" might be talking nonsense, or they themselves didn't know that those so-called "thrifty" super-rich people might just be superficial propaganda. That’s all.
Or maybe it’s just different hobbies. You don’t have to buy a good car, maybe because you are not interested, but you must go to Loli Island...
Wei Zetao nodded and said: "This One day will come soon."
"Well... I may be a good person," Yang Wendong said with a smile, "But I will never treat myself badly."
He earns enough money to enjoy himself and help a large number of people find jobs to escape poverty. He kills two birds with one stone. Naturally, there is no need to imitate Walton or Zuckerberg.
Zhao Shizeng in Hong Kong history, Liu was the one who lived his own life
Wei Zetao said with a smile: "Yang Sheng is so young, he should enjoy it after success. If I were younger, It might be the same as a teenager."
"Haha, you are still in your prime," Yang Wendong said with a smile.
The two of them talked as they walked, and their personal relationship has become much closer. Even though he is the boss, at least at this time, he still needs to rely on capable subordinates, and naturally there is no airs.
Besides, it’s so tiring to put on airs with the people around you every day. Work is work and life is life. When not working, it doesn’t hurt to have a good relationship with your subordinates.
Soon, the two of them arrived at the main entrance of the bank.
Yang Wendong glanced at the people still queuing up and said, "There are so many people saving money here. I remember it was the same when I came here half a year ago."
Wei Zetao nodded and said : "Yes, since last year, Hong Kong's housing prices have begun to recover. In addition, industrial exports have also increased significantly, and the market demand for loans has also increased. It is getting higher and higher.
In order to attract deposits, various banks have used various means, but the most extreme one is Liao Chuangxing Bank, which has a policy of opening a small account with a hundred yuan and high interest rates. It is said that it has absorbed tens of millions of deposits in one year, which is probably only a little less than those British banks in Hong Kong
I heard that the banking industry in Hong Kong has some objections to this kind of approach, but Liao Chong Hing Bank still goes its own way. Even I think the risk is too great. ”
“This is a small thing. "Yang Wendong said with a smile: "The biggest risk is that Liao Chuang Hing Bank has also established a real estate company, and then uses depositors' money to develop real estate. "
"I'm not sure about this. I haven't paid much attention to the real estate market. After hearing this, Wei Zetao said, "What Yang Sheng means is that the risk of Liao Chuangxing Bank is very high?" So do we need to change a bank? "
"No, as long as the funds we lend exceed the deposits, it is safe. Yang Wendong smiled and said, "I originally regarded this bank as my company's account opening bank because they also had very loose control over lending." "
"Yang Sheng is really prepared for a rainy day, I admire him. "After Wei Zetao listened, he understood what Yang Wendong meant.
Yang Wendong said again: "I'm just prepared. I guess I can't compare to you in the operation of specific matters."
Wei Zetao smiled and said: "Yang Sheng, as the boss, you are responsible for strategy This kind of communication with financial institutions or other companies is a tactical matter, and we, the management, are responsible.”
“Well, it’s exactly what I want.” Yang Wendong nodded in agreement.
Actually, he has experience in his previous life. It does not mean that he does not have the ability to negotiate with banks and other companies, but now in the 1950s, it is still different from his previous life in the 21st century. However, as a boss, he will not come forward when he can't; he will only come forward when it's time for him to come forward.
A classic principle: hold small meetings for big things and big meetings for small things. When it comes to relatively large business, the bosses of both sides usually get together to set a general framework, and then the subordinates come on stage and have to negotiate carefully with details.
Of course, his current boss is still too young to be the boss of Liao Chong Hing Bank. Otherwise, the normal operation of this kind of lending is that the boss first decides on the intention, and then his subordinates take over.
< br>After arriving at the bank lobby, Wei Zetao stepped forward and communicated with the security guard. Then the security guard left for a while and brought down a woman in her early 30s wearing a suit and uniform.
"Hello, Wei Sheng." The woman in a suit approached and said with a smile and a handshake.
"Hello, Miss Ning." Wei Zetao smiled, as if the two were acquaintances, and then said: "This is my boss Yang Sheng, Yang Sheng, this is the credit business of Liao Chuang Hing Bank Department Manager Ning Wenjue ”
Ning Wenjue immediately looked at Yang Wendong and said with a smile: "I have heard of Yang Sheng's name a long time ago. I am deeply honored to see him today."
"Thank you." Yang Wendong also shook hands and smiled. Said, this kind of basic exchange of blows in shopping mall meetings is still needed.
He Yang Wendong is so famous in Hong Kong? Even if someone uses sticky notes, who would have thought that it would be made by a local? No one will pay too much attention, it will just be convenient.
Only a very small number of people with great business acumen may think that this may be a business opportunity and investigate it.
Ning Wenjue said again: "Yang Sheng, Wei Sheng, it's quite noisy here. How about we find a quiet place and sit down and discuss things slowly?"
Wei Zetao said with a smile: "Of course it's better. Guests and hosts are welcome, you can make arrangements as you wish."
"Invite this way." Ning Wenjue pointed the direction and led the two of them around the queue. , entered a VIP guest room at the back.
Subsequently, a beautiful bank clerk served coffee. In this era, most Chinese still like tea, but the upper and middle class groups prefer coffee;
One possibility is Because the refreshing effect of coffee is better, the second is that the British Hong Kong government is still the British The Guogui guy has the final say. Many people still subconsciously want to integrate into this group.
"Yang Sheng, I have been using sticky notes now." After taking a sip of coffee, Ning Wenjue said with a smile: “I have to say that having this thing makes my work much more convenient.
However, I just use it normally and never thought that this sticky note was actually invented by us Hong Kong people. You are really awesome. "
Yang Wendong also said: "Thank you. Changxing Industrial's previous product was the sticky mouse board, which has a lot to do with glue. By chance, my assistant wrote down a small piece of paper It was only after I lost it that I came up with this idea. "
Ning Wenjue smiled and said: "Write things down on small pieces of paper and then sandwich them in the corresponding documents. I have done it before, and I believe most clerks have done it.
Similarly, there must be a small number of people who have thrown away the small paper that they record themselves on. On a global scale, this is a huge number, but no one can think of losing it on paper. On the back, add a little less sticky glue.
So, I really admire Yang Sheng. ”
"Haha, Yang Sheng is very talented for these inventions." Wei Zetao continued: "This is also the biggest advantage of our Changxing Industrial today. It's just Miss Ning that any product, no matter how creative it is, needs to be sold globally. A large amount of production capacity.
This is very similar to today’s Yangtze River Industry. We also need enough funds to expand production to obtain higher profits.”
Ning Wenjue Diandian. He nodded and said: "I understand, but your company's loan quantity requirements are a bit too much. A loan of one million Hong Kong dollars has no actual collateral. This makes our bank's approval department very difficult."
< br>Yang Wendong said by way of: "Ms. Ning, I know that for banks, it is most convenient to have collateral; but for factories, we have stable procurement contracts with foreign countries and transaction records. The other party is still The world’s top companies.
If such conditions are not enough, then Hong Kong’s small and medium-sized manufacturing industries may not be able to get bank loans, right?”
Although they are optimistic about their own company, banks will not carefully analyze the specific situation of each factory. They only look at the risks.
Or even if you are really optimistic, you still want to use this kind of rhetoric to make more profits for yourself. This is also normal business behavior.
“Of course we are willing to support Hong Kong’s manufacturing industry.” Ning Wenjue said: “However, without any actual mortgage, the risk is indeed too great for our bank. We also hope that the two can Take out some items of actual value."
"Currently, we don't have very high value properties," Wei Zetao said, shaking his head.
Yang Wendong did not speak, but nodded slightly in agreement.
This is also an essential problem in the financial industry. Banks or lenders need stable mortgages; the natural attributes of real estate perfectly match the needs of banks. As long as housing prices do not fall, there is almost no risk.
Can manufacturing factories have too many risks? This is why banks are more interested in real estate. It can also be seen from the interest rate that the interest on real estate mortgages is lower because the risks are low and normal business The loan interest is much higher.
Ning Wenjue said: "Wei Sheng, Yang Sheng, although our bank has been supporting the manufacturing industry, most of them are small-scale, and the companies we lend to are all companies that have been in the business for many years. For enterprises, the risks are relatively small, the borrowing funds are not that much, and there are also situations where there will be guarantees by intermediaries.
Wei Sheng will be prosperous. After the industrial information was submitted to us, I also did some research. This post-it note is indeed a product that has become a best-seller in the United States. As your company's distributor, we can trust 3M, but no matter what, a million-dollar loan It also requires collateral, so what I mean is, Yang Sheng, what do you think about pledging the patent for sticky notes?”
……
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(End of this chapter)