Chapter 115 Application for a huge loan (asking for a monthly pass)
Wei Zetao didn’t think much and said, “No problem.”
Yang Wendong didn’t say anything more, and the car became quiet.
In the short term, he does not actually need to cooperate with HSBC, a Hang Seng is enough.
Although there is a risk of a run on Hang Seng Bank in the future, it is still early, and it will be several years after the run on Liu Chong Hing Bank. And based on the original history, HSBC finally rescued Hang Seng Bank and annexed it. So basically there is no risk.
However, what Yang Wendong needs to consider is that in the future, if his factory industry is stable, it is unlikely that his funds will be placed in the bank to earn interest.
Either invest in real estate like Li Jiacheng, or do some other industries or even other industries. At this time, funds are needed. After all, if you know the future, you must borrow other people's funds for development in order to obtain the maximum benefits.
Of course, the biggest bank in Hong Kong is HSBC. It will not hurt you to get involved with it as soon as possible.
And one more thing, borrowing a large amount of funds from HSBC can be regarded as a talisman. Even loans from other banks are the same...
...
That afternoon, after returning to the company, Yang Wendong called Liao Liewen of Liao Chong Hing Bank.
The two made an appointment to meet tomorrow, but the location was not at a bank, company, or hotel or teahouse. Instead, they chose the location of the future Changxing Industrial's new factory.
What surprised Yang Wendong was that Liao Chuangxing only drove a Citroen, and it looked relatively old.
Yang Wendong walked up and asked Liao Liewen, who had just got out of the car: "Sheng Liao, why did you drive this car? Isn't it a bit unworthy of your status?"
"The car is just It’s just a tool, as long as it can be driven.” Liao Chuangxing smiled and said, “Because I often need to go to some remote areas in the New Territories and Kowloon, and there is no need to drive a good car.
I just went to a hardware processing manufacturer in the New Territories to discuss cooperation. I thought it would be too late to go home and change cars, so I came over directly. Does Yang Sheng mind? . "
"Haha, Liao Sheng was joking, a year ago I couldn't even eat well, how could I care about this kind of thing. Yang Wendong paused and then said: "Cars are actually a trivial matter, but since you often go to places like the New Territories, Mr. Liao, you still have to pay attention to your own safety and drive a better car. Generally, those in gangs will also be cautious." A little, no harm.
But it’s best to be like me, at least have a bodyguard by your side, who can also help you drive. It can be useful no matter what happens. At worst, it can deal with a small number of people, or inform people. Something like that. "
After saying that, Yang Wendong moved his head slightly to signal a strong man standing next to the car behind them!
Liao Liewen said with a smile: "Haha, Yang Shengqian is still too cautious! Although Hong Kong is relatively chaotic, those in gangs generally won’t offend entrepreneurs like us.
It's not good for them either. There used to be stupid people who dealt with rich Chinese people, and then they were severely cracked down by the Hong Kong government. Even the police department will not provoke us. Generally, it is a matter of course, unless we really It's a serious violation of the law. "
Yang Wendong smiled lightly and said: "The Hong Kong government is really good. "
Liao Liewen shook his head and said: "It's not that the Hong Kong government is good, but that the Hong Kong government also needs money. Naturally, it needs normal corporate taxes or real estate companies to buy land. Is it possible that we can still expect the police to go to the stalls to collect fees? ?
One or a few companies is nothing, but as long as a few companies have problems, others will not worry that they will encounter the same thing, so they will definitely put pressure on the Hong Kong government. "
Yang Wendong nodded and said, "That's what I said, but we have to consider that if someone stupid comes out to cause trouble, we will gain more than we lose, right?
Not every gangster is a gang boss, some work alone, they don't have that much IQ! ”
Many businessmen in Hong Kong were overconfident in their status in the business and political circles in the 1970s and 1980s, and did not bring bodyguards when traveling or exercising.
Then they were kidnapped, and even There are also people who have been voted out because it is desperadoes who do it, not gangs. Gangs have their own restrictions and rules, but desperadoes don't have them. They just want to get money and run away, but they don't think about the long term.
< br>Liao Liewen pondered for a moment, nodded and said: "What Yang Sheng said makes sense, but I overlooked this point. "
Yang Wendong said with a smile: "I am more worried about safety issues, so I think more about it. ”
This is not just a matter of probability, but a matter of no need to gamble. Besides, there are several subordinates around you at all times. Even if there is no safety problem, it is more convenient to call someone to do something.
Or when you are outside, you can arrange for someone to go back. In this era, there are no mobile phones. If you want to contact other people outside, you can only rely on the oldest and traditional way: manpower.
Liao Liewen nodded and said: "Yang Sheng is right to remind you. I will also consider this matter when I go back later. Not only do I have a bodyguard by my side, but it would be good to have two people who can help."
Yang Wendong smiled, then pointed in a direction and said: "Then let's go over there. Over there is the future factory land of my Changxing Industrial."
Liao Liewen followed the direction. , looked at a piece of land not far away, which was covered with various weeds, a few trees near the star, and many uneven stones, some of which were five or six meters high, and then said: "Yang "Sheng, leveling the land here also requires a lot of funds, right?"
Yang Wendong nodded and said: "Yes, the ground here is not very good, maybe because of this reason, so although the location is not bad, it has not been favored by other factories.
But with such a large area, In the first phase of my plan, I will only use about 40% of the area. I will leave the rest untouched and discuss it later.”
Although a lot of land on the Kowloon Peninsula is not valuable, it is only compared to Hong Kong Island. It's still of some value.
However, if the cost of development is higher than the final profit from developing the real estate, it will only become a wasteland, because no businessman will do this, so it is better to invest more in places suitable for development. money.
What Yang Wendong likes about is the large area of land here. Such a large area is not available in places suitable for development. This is not only the reason for "hoarding land", but also for the long-term development of the factory. .
...
The two arrived at the place quickly. When they walked nearby, they saw that someone had planted some vegetables here, not many.
“This should be from the nearby race.” Liao Liewen said.
Yang Wendong nodded and said: "There is a small village seven or eight hundred meters northeast of there. I guess it is from the people there.
The situation around here, I I already knew that the location is not bad, but there is a lack of roads, otherwise there might be more people living there. ”
No matter how good your place is, it is useless if there are no roads. People with normal jobs will not consider this place.
Liao Liewen asked: "Is Yang Sheng planning to build a road here after building a factory?"
Yang Wendong nodded and said: "It's just a small road, with cement paving connecting it to the main road. That’s it. The goods from our factory are not heavy, and it is easy to send them out. They don’t require high-end roads and they don’t cost a lot of money.”
There are too many disadvantages of not having containers, and the freight is too high, resulting in a lot of goods. It can only be sold near the production site, and there is no way to do it on a large scale. But it is not without its benefits. No matter how large the shipment volume of Changxing Industrial is, it is always delivered to the dock in wooden boxes one by one. Each one is not very heavy, because it still requires manpower to carry it on board the ship.
There are no requirements for the roads leaving the factory, even for the purchase of raw materials. In this era, everyone transports goods in boxes that can be moved by several people. Only some large factories have forklifts, which are specially used to load large quantities of goods. Normal small factories do not have equipment or some large objects, and pure manpower is the most practical.
Liao Liewen nodded and asked: "Have you bought this piece of land yet?"
Yang Wendong replied: "Not yet, now only the details and price are left. The problem still needs to be discussed with the Hong Kong government. Basically, it is almost done.
As soon as the land is purchased, we will immediately apply for water and electricity supply from CLP Power and Hong Kong Waterworks, and then we will build the factory immediately. "
Liao Liewen said with a smile: "It's really fast."
"It won't work if it's not fast. Our customers are rushing for goods every day." Yang Wendong shrugged and said: "The factory is built quickly, and then large-scale production can be achieved.
Just want to achieve this goal quickly, or We need a large amount of additional funds, so we also hope that Liao Chong Hing Bank can help us with funds."
Liao Liewen smiled and said, "Don't worry, Yang Sheng, I, Liao Chong Hing Bank, have been supporting us for so many years. I wonder how much capital you need for Hong Kong’s manufacturing industry?”
Yang Wendong paused and said, “I hope to borrow HK$4 million from your bank.”
"4 million?" Although Liao Liewen had been mentally prepared for this, such a large loan was still a huge sum of money even for Liao Chuang Hing Bank, one of the top three Chinese banks in the world.
Yang Wendong confirmed: "Yes, 4 million, because next, I need to build a very large-scale factory at once, plus various equipment, as well as the funding gap caused by large-scale shipments, so I need enough "
Liao Liewen nodded and said: "Yang Sheng, I have confidence in your factory, but we also need to follow the normal process, so I also need more specific information. , planning, etc. "
"Okay, of course." Yang Wendong also understood that although Liao Chuangxing Bank was bold and dared to use depositors' money to speculate in land, it was also the behavior of Liao Baoshan and the Liao family. They were the boss and there were no restrictions. .
There are still procedures that need to be followed for other people to take loans. For outsiders, no matter how bold Liao Chuang Hing Bank is, there will be risk management measures.
And Liao Baoshan is also an elite in the business world. His vision for real estate is actually right. After the bank's money entered the real estate, he also operated normally and made profits. No one would be stupid and not control risks. .
But it was unlucky to overturn later, and it was not because of wrong judgment. When someone spread the news that there was a problem with bank funds, and everyone ran on it, even a bank that was operating normally and had good risk control would not be able to withstand the run.
Then, he continued: "That's it, in the future, our Changxing Industrial's plan is..."
The two chatted while walking, and Yang Wendong also informed the general plan of his company in the future. Liao Liewen, after all, wanted to borrow money from others. There was nothing to hide about things that were not core secrets.
Future infrastructure, equipment, a large number of recruitments, daily factory operations, the construction of new glue factories, sending people to the United States for training, purchasing 3M patents, etc., all require funds;
If If you don’t have money, you have to do many things step by step, which is too time-consuming.
The current loan limit is actually a bit higher, which is to exchange funds for time. As long as everything goes well, the profits obtained after the subsequent large-scale shipment of its products will be enough to slowly repay the previously borrowed funds.
Liao Liewen listened carefully to Yang Wendong's explanation. Slowly, his face became serious. After Yang Wendong finished speaking, he said: "Yang Sheng's plan is really grand. If it succeeds, I'm afraid... Within one or two years, you can become a rich man in Hong Kong "One of the richest people."
"It's not that exaggerated." Yang Wendong smiled and said, "The real rich people in Hong Kong are not Chinese, but"
His eyes looked at him. Heading towards Hong Kong Island, there is the gathering place of the greatest wealth in Hong Kong.
Although the real estate in this era is far from what it will be 20 years later, the area in Central, Hong Kong Island is still outstanding;
At the same time, British capital controls all aspects of Hong Kong's wealth, and real estate is only part of it. Electricity, transportation, infrastructure, terminals, trade, shipping, retail, and other major sectors are all controlled or even monopolized by British capital.
The relatively hard-working factories are the current basic market of the Chinese, but most of the profits are still controlled by British-owned foreign companies (trading houses), and they control external channels.
There are also Chinese people engaged in shipping such as Pao Yugang, Dong Haoyun, and Zhao Congyan. Because the market is on the ocean, British capital does not have any special rights. Everyone operates based on their strength, but these few The number of ship kings is also very small.
Liao Liewen nodded and said: "That's true, even if our bank earns money in a year, I'm afraid it may not be as much as a fraction of the Wharf Terminal owned by Jardine Matheson Group.
< br>However, it should be no problem for you to become a rich man among the Chinese. ”
"I hope." Yang Wendong said humbly: "If I can succeed, the bank that cooperates with me will definitely get a lot of benefits from it. Liao Sheng should also be very clear about this."
"Well, okay." Liao Liewen thought for a while and said, "Even a big company like 3M is willing to advance $500,000 to Yang Sheng. I personally have great confidence in Yang Sheng.
But, Such a large amount of funds cannot be decided by me alone. I need to go back and ask other people in the bank for instructions."
"Of course." Yang Wendong also knows that this kind of loan is definitely not a special one. The boss can decide, not even the boss's son.
Liao Liewen asked again: "Yang Sheng, if you want to loan us a loan, can this land and the future industrial plant be used as mortgage?"
"Okay, if it helps with the loan." Yang Wendong naturally wouldn't care if a factory was mortgaged.
Now, his core assets are a few patents in his hand, especially those for sticky notes. With this, even if all his wealth is gone, there is still a chance to make a comeback. Only with this, he will not Accept mortgage.
Liao Liewen said with a smile: "That's good. If there is collateral, even if the value is not as high as the loan limit, plus the future potential of your company, it will be easier for me to handle it."
"Thank you, Liao Sheng." Yang Wendong nodded and said.
If you are an ordinary bank executive, if you cooperate with him like this, you will definitely get some benefits.
But he is the son of a bank boss, so he can only deal with business matters.
In Liao Chuangxing Bank:
Liao Baoshan looked at a piece of information in front of him, then looked at his son and said : "4 With a loan of 1 million, this boy named Yang is really ambitious. The scale of his factory is much larger than Li Jiacheng’s new factory.”
(End of Chapter)