Chapter 120 Visiting Hang Seng Bank
Bai Yujie nodded lightly and said, "Society is the biggest school?"
"Absolutely." Yang Wendong also agreed.
The school is more like a greenhouse. Only when you enter society will you know how good the school is. However, as long as you have the ability and self-control, you can learn more in society than in school. .
After a while, after lunch, Bai Yujie took Yang Wendong to walk on the path outside, and met a few acquaintances along the way. They all looked at Yang Wendong, wondering who this was, but Didn't even come to ask.
Hong Kong in this era is considered to be at the junction of the old era and the new era. Even in relatively open universities, many girls are embarrassed to talk to strangers casually.
After walking for a while, Bai Yujie asked: "Yang Sheng, I know that the restoration of the Rubik's Cube should be your trade secret. I don't want to know how to restore it, but since you have the restoration method, you should use it I know it quite well;
Can I know how long it will take for the average person to research it? "
Yang Wendong asked: "Why are you really prepared to invest in this? Focus on research? "For the 10,000 yuan bonus?"
"The 10,000 yuan bonus is indeed very attractive, and I am also very tempted. Even my family is also in business," Bai Yujie continued. : "I have a sister who also knows. As I said just now, she is obsessed with the Rubik's Cube. She has been studying it recently and is a bit obsessed."
After saying that, she also took out a Rubik's Cube, one side was red, and said: "This is the side she restored before."
Yang Wendong glanced at the Rubik's Cube and asked: "Are you worried about your sister?" She is obsessed with it and affects her studies? "
Bai Yujie nodded and said: "Yes, although she has self-control, she will still attend classes normally, but at other times, she likes to study this. Something, she said, this Rubik's Cube is a very complex mathematical model that she wants to study."
"Your sister majored in economics, is she good at mathematics?" Yang Wendong asked again.
Bai Yujie replied: "Very good, she was very talented in mathematics when she was a child. Even when she was preparing to go to college, she still wanted to major in mathematics at the Massachusetts Institute of Technology in the United States;
It’s just that the tuition to go to MIT was too expensive. Hong Kong’s economy was not very good in the past two years, which happened to affect our family, so she didn’t go and chose financial economics. ”
“Your family is engaged in real estate? "Yang Wendong asked after listening.
Hong Kong's economy was indeed not very good in the past two years. The fundamental reason was that real estate was not doing well;
But industry and export trade are all Normal development.
From the early 1950s to the present, it has been growing because of Hong Kong's developed shipping and port industries, low labor costs, and the rapid recovery of the global economy after World War II. The entire export industry is doing very well
Of course, Hong Kong still has a tertiary industry, which may also be affected by real estate, but these should not be greatly affected, unless they happen to be operating with debt and leverage, which may be ruined if there is a slight fluctuation.
Bai Yujie shook her head lightly and said, "Don't worry, our family runs a decoration company."
"Oh, it can be considered as the real estate industry." Yang Wendong smiled and said: " Then the business must have been good in the past year.”
Starting from mid-1958, which was about the time when Changxing Industrial just started to open factories, Hong Kong real estate began to rebound from the bottom, and land prices, house prices, and even various rental prices began to rise. Same.
Many businesses that exist specifically for real estate will also get better, such as decoration, decorative materials, furniture and home appliances, etc.
Of course, the real estate bull market in the 1950s and even the 1960s was far less steep than the slope of the curve in the 1970s and 1980s.
"It's okay, I don't know the details." Bai Yujie replied: "It's just that my family has become busier, and they don't seem to be as worried as before."
" This is a good thing." Yang Wendong smiled and said, everyone wants to be busy when doing business.
Bai Yujie smiled, and then asked: "By the way, I don't know what your Changxing Industrial does? Toys?"
Yang Wendong nodded and said: " That’s right.”
Toys are bound to be one of the future development directions of Changxing Industrial. After all, post-it notes and mouse sticky pads are the final products themselves. There are no similar products, so it is difficult to expand.
Unless the glue industry is done well in the future, it can develop into other industries that require glue. However, this road is not easy. Unless there are products made with new ideas and invention patents, it will be difficult. The competition is stronger than that of established companies, especially 3M, which is still the king of this industry.
Toys, on the other hand, are much simpler. The Rubik's Cube has an invention patent. If we expand into other toys in the future, we can also engage in related cultural copyrights. With these, it will be easier to succeed.
Of course, it is difficult to successfully operate a good toy copyright, but as a time traveler, although it cannot be said to be as simple as registering a patent, it at least has a great advantage.
"Oh." Bai Yujie didn't ask any more questions.
"Let's go, you treat me to a meal, and I'll treat you to a drink." Yang Wendong said with a smile again.
In this era, it is not easy to investigate a company. Without the Internet, if you want to find out clearly, you have to spend a lot of money to hire a lawyer.
If it is not a big company, or a newly emerging star such as Yangtze River Industries, or it is within the industry, outsiders will not know it.
Yang Wendong cherishes days like this, not that he likes them, but that he knows that when his business becomes larger in the future, he will inevitably not be as free as he is today.
One is because of safety, and the other is that once you become famous, many people will no longer treat you the same way.
There were not many drinks in this era. Just after drinking Coke, Yang Wendong asked Bai Yujie to drink a bottle of soda called "Green Treasure". He didn't know the brand, but it seemed to sell well and tasted good.
It’s a pity that there is no milk tea in this era, otherwise it would be more suitable to invite beautiful girls;
He has actually thought about this before, but this kind of industry is not suitable for him to develop;
< br>Even if it is made, others can quickly copy it. After all, this thing has no patent and cannot be exported. Milk tea can develop well only if the local economy is good enough. In an environment like Hong Kong where ordinary people do not have enough to eat, I guess people only buy milk tea in the Central area.
At around 3 o'clock in the afternoon, Yang Wendong returned to the company and met Wei Zetao who had just returned from outside. Yang Wendong smiled and asked: "Old Wei, I remember you went very early in the morning, right? You came back so late and were left behind by Liao Chuangxing's people?"
Wei Zetao put down the leather bag in his hand, nodded and said: "Yes, the account manager knew that I came to ask for bank statement information, and specifically notified Liao Liewen, and he insisted on inviting me to the hotel next door for lunch. , I just went, I can't be too disrespectful."
"Haha~" Yang Wendong said with a smile: "Did you get the flowing water?"
"I got it, I am very insistent. They have to give it, otherwise their bank will be scolded if word spreads." Wei Zetao said with a smile: "Although Liao Chuangxing Bank used depositors' funds to engage in real estate, the bank's own business is still in business. This is theirs. "
Yang Wendong nodded and said, "Okay, now that we have the flow, when will we go to other banks?"
Wei Zetao said: "I made an appointment with Hang Seng Bank to talk to their key account manager tomorrow."
Yang Wendong put away the slip, returned it to Wei Zetao, and asked: "Where is the headquarters of Hang Seng Bank? ”
Wei Zetao replied: "No. 163-165 Queen's Road is also the property owned by Hang Seng Bank."
"That location is good. The strength of Hang Seng Bank can be seen from this." Yang Wendong smiled. said.
When real estate prices in Hong Kong were high, many companies still would not leave the core commercial areas, such as financial institutions, lawyers and other institutions. It does not mean that they have to stay here like hotels, but they can stay here. Only here can they show their strength even more.
If it is a self-owned property, it will be even more awesome.
Wei Zetao said with a smile: "This is nothing. Hang Seng Bank just bought an old building next to the old fire station in Central at the beginning of this year, and is going to demolish it and build a new headquarters. That location, It’s not much worse than Queen’s Road.”
“Hang Seng Bank already has a headquarters on Queen’s Road, and it is building a new headquarters. It is probably also optimistic about the real estate industry, but it is just in the name of building a new headquarters.” Yang Wendong. He shrugged and said, "When we increase our production capacity this time, if we have the money, we will build a building in Central."
Although he had already made up his mind to develop the industry in his early days, he is currently struggling in all aspects. The resources and energy are also working in this direction.
In terms of real estate, Hong Kong is still in its early stages of growth and is profitable, but it cannot compare with industry, let alone the future of industry brought by the benefits of travelers who hold many cutting-edge patents and know a lot about the future.
But there is one thing about Hong Kong's real estate industry that even Yang Wendong dare not say, the patents in his hands must be better than it; this is the real estate in Central.
In previous lives, especially after the 1980s, even if you have money, you may not be able to buy Central buildings or land. They are high-quality assets comparable to the stocks of the world's top companies. Even during the real estate crisis of 1982-1984 During this period, many people in Hong Kong believed that the future of Hong Kong was uncertain. However, under such circumstances, only a handful of buildings in Central were transacted.
In the 1950s and 1960s, although the price of land in Central was not low, it was far less than what it would be a few decades later. If you really had the money, you could still buy it. There are still a lot of them in Central now. Old buildings from the 1930s and 1940s.
Wei Zetao said cautiously: "Actually, this is indeed a good method. Chinese people prefer land and real estate, and banks are the same. If we have a good property in our hands, it will be much more convenient to get loans in the future, and even repay More funds can be loaned."
"True. I also know that our only task now is to increase production capacity." Yang Wendong nodded and said, "When the production capacity of sticky notes is enough, as long as there are no larger investment plans later, our funds will not be there. It’s a big problem, it’s OK to buy a large property at that time.”
In another ten years or so, a fierce man will come across the ocean from Southeast Asia. He will use various powerful deception techniques to receive money from many banks, financial institutions, bank accounts, funds, stock markets, etc. in Hong Kong. With tens of billions of Hong Kong dollars, it performed what can be called the most amazing fraud myth in the history of human business.
This person is none other than Chen Songqing, the biggest liar in Hong Kong. He took advantage of the loopholes in Hong Kong banks in the 1970s and added some illegal means to constantly borrow money from banks, and then used real estate to desperately expand his bubble. As a result, it grew bigger and bigger, and he even successfully went public to make money.
This was true even for bank supervision in the 1970s, let alone now. If Yang Wendong had not already had his own industry, he might also try to copy Chen Songqing.
"Yes, now we are waiting for the bank loan." Wei Zetao thought for a while and then said: "Yang Sheng, would you like to go to Hang Seng Bank tomorrow too?"
"I'll go. ? Okay, I just want to know more about Hang Seng Bank." Yang Wendong thought for a while and felt that he should go there, after all, he might cooperate more in the future.
Wei Zetao said with a smile: "In addition to going to Hang Seng, we can also go to Central to see which buildings Yang Sheng can look at in advance and buy them directly when we have money." ’
“Yes, it makes sense.” Yang Wendong smiled and said.
He also visited Central in his previous life, but that was almost 60 years later. It is estimated that all modern commercial buildings in Central, except for some ancient buildings, have just been demolished.
Since it is different, apart from those prime positions, the others are also unfamiliar to Yang Wendong. It is better to learn about them by yourself first. Just like kitchen appliances, no matter what you do in the future, you can know it in advance now. There's no harm in doing it.
The next day, bodyguard and driver Aqiang drove a Mercedes-Benz to the Hang Seng Bank in Queen's Building.
When the car arrived at the door of the building, the guard looked at it and let it go.
Yang Wendong said with a smile: "This standard treatment is really easy to use. It is popular everywhere."
Wei Zetao nodded: "Of course, there are only a handful of people in Hong Kong who can buy a car. Only people with a certain status will buy Pingzhi."
Yang Wendong said: "That's true."
Sometimes he drives Pingzhi out by himself, and he often comes up to talk to him. A woman, but he didn't dare to mess around. There may not be "Ai" in this era, but there are also other things.
Besides, if Hong Kong was so casual in the 1950s, it was most likely not a good thing. Women in this era generally prefer the ancient model of how men and women get along, and at most they are a little more open-minded.
“We’re here, we’ll get off the car here.” Wei Zetao followed Aqiang and then pointed to a woman on the left and said, “Yang Sheng, that person is the key account manager of Hang Seng Bank, who is responsible for To handle our business. "
"Okay, let's go out." Yang Wendong nodded. Banks usually have professional contact persons for large customers to facilitate one-to-one service.
After the two got off the bus, the woman came over, shook hands and said with a smile: "Yang Sheng, Wei Sheng, welcome to Hang Seng Bank."
Asking for a monthly pass
(End of this chapter)