Chapter 122 Everything is ready, all we need is Dongfeng
"This can indeed reduce risks, but for Changxing Industrial, doesn't it also increase the operating burden?" Ye Zhirong's tone did not change.
There are just some expressions on her face. Obviously, she is not willing to share this business with other banks. For individuals, the commission must be based on the amount, whether it is to absorb savings or lend.
Yang Wendong smiled and said: "Ms. Ye, I have admired the reputation of Hang Seng Bank for a long time and am willing to cooperate with Hang Seng Bank. But if you are not willing to take a little risk, then I will Isn’t it right to take the initiative to reduce the risks of your bank?
In business in this world, profits must coexist with risks. How can there be any business that is profitable without risks? If so, wouldn’t everyone do it? ?
I am building a new factory this time. The speed is very fast, and the demand for funds is very high in a short period of time. Only when the funds are in my account can I take the next step with confidence, so either you are sure that you can lend it to me in a short period of time. If not, I will I can only find a faster way. "
Ye Zhirong was speechless for a moment, and felt that her side seemed unreasonable, so she said: "In that case, I will apply again. If it doesn't work in the end, then we can also negotiate the loan amount. It doesn't have to be 55 points are negotiable. "
"Okay. Yang Wendong nodded, and then said: "It is true that we don't need 55 points. Maybe we don't have to only look for two banks." "
"Yang Sheng is right. "Ye Zhirong smiled, and then said nothing more.
The three chatted for a while, and finally Yang and Wei said goodbye and left.
...
After getting to his car, Aaron drove away from the bank building.
Yang Wendong looked at the bustling Central scenery outside and said: "Ye Zhirong can't make the decision immediately. It will probably take some time to get the result. You also need to contact other banks to try."< br>
Applying for a bank loan itself is not that easy, especially when there is insufficient collateral, the approval must be very troublesome.
Even in the era of the Internet in the previous life, an ordinary mortgage loan with a mortgage took 1 to 2 weeks. Commercial loans are also very time-consuming, unless you are an old customer with good credit or the bank confirms that you are able to repay. kind of.
Wei Zetao also frowned slightly and said: "Yang Sheng, in fact, it will take a lot of time to find other banks. Such a loan will take a lot of time.
Now, Liao Chong Hing Bank and Hang Seng Bank are the most likely. "
Yang Wendong nodded and said: "The only way. We have applied for loans from multiple banks, but doing this would be very troublesome for us.
I just wanted to speak out and put some pressure on Ye Zhirong. ”
The bank. Money is not easy to get, and there is a complex joint problem among multiple banks.
"Hmm... Liao Chuangxing and Hang Seng's loan together is actually a good way." Wei Zetao thought for a while and said: "It not only reduces the bank's risk, but also ensures that our funds can be received in a short time, which allows us to expand with confidence. .
If it is a joint loan, the cost will definitely be higher than that of one company.”
“As high as possible, the most important thing now is to get the funds in place, and then build the new factory and glue factory. "Build them all." Yang Wendong said solemnly: "As long as our production capacity is normal, it will be enough for us to recover enough funds in a short time.
At least, there will be no new large-scale investment projects. We don’t have to worry about financial pressure, and these loans will be nothing by then.”
With the strong development of 3M, the demand for sticky notes is getting higher and higher. Today, it is now. A factory with 86 pieces of equipment can no longer keep up with demand, although it is still adding equipment and workers.
But after all, space is limited, and there is a limit to the increase in equipment.
Wei Zetao added: "In terms of personnel, our factories now have almost twice the labor margin, and these people are basically familiar with it;
As long as the new factory is built Finally, with them as the core and new people to be guided by them, we will soon be able to enter normal production status. ”
"Haha~!" Yang Wendong said with a smile: "This can be considered our advantage. Whether it is a sticky mouse pad or a sticky note, they are relatively simple."
Wei Zetao nodded and said: "Yes, Fortunately, our products are relatively simple. If they are similar to plastic flowers, if they expand rapidly, quality problems will most likely occur. ”
"Yes." Yang Wendong also said: "But we still have to prepare enough workers as early as possible. Once the new factory opens, we can start immediately. Especially in the area of batch management, we must find enough people with academic qualifications. employees.”
Adhesive boards are now beginning to adopt reasonable process control methods, especially the most expensive glue, which is used to control the dosage through Dongsheng’s equipment. In this way, The requirements for people are also much lower.
Post-it notes are made by equipment. For people, it is mainly to become familiar with the equipment and process, so that problems can be discovered at the earliest possible time.
But the requirements for skilled workers are also very high. Otherwise, once a problem occurs, it will be very time-consuming and labor-intensive to rework and look for other sticky notes from the same batch. If you want to do a good job in batch management, you must be literate. of people.
……
After returning to the factory, Yang Wendong and Wei Zetao walked around the factory again.
Wei Zetao said: "At this rate, there will soon be no place to put the equipment. If the bank loan cannot be paid, we will need to rent another empty warehouse to transform it into a warehouse. A new workshop,
The United States can’t wait that long. Although it will cost more, the profit from the sticky notes can be earned.”
“I know this.” Said: "There are too many production locations, which will make it inconvenient for production management and quality control in the future."
Wei Zetao thought for a while and said: "Not necessarily. The factory we rent again can be given to sticky people in the future." Rat Board, Lao Zhou also told me before that the Sticky Rat Board also needs a new factory site.”
"Well, okay." Yang Wendong nodded and said, "Then make preparations for this and make sure nothing goes wrong." When opening a factory to do business, there will always be many tangled problems, because there are too many things, and this is also a lot. The reason why rich people like to engage in real estate and infrastructure construction is that they can do more with less.
If he hadn't known about many industries in the future, I guess he would have been more likely to engage in real estate after making his first pot of gold.
In the following days, Wei Zetao and Yang Wendong visited several banks and made similar requests. As expected, it was impossible to agree to such a thing immediately.
The two of them just wanted to meet and get to know each other first. Even if they couldn’t cooperate this time, they could cooperate in the future. Otherwise, if they asked for a big cooperation for the first time they met in the future, the success rate might be lower. .
Day five, outside the HSBC Building in Central.
Yang Wendong and Wei Zetao walked out from inside and came to the large stone lion at the entrance of the bank.
“This is the HSBC Lion?” Yang Wendong glanced at the 2-meter-tall lion and said with a smile.
Wei Zetao nodded and said: "Yes, when HSBC was founded a hundred years ago, there were these two lions, and they have been passed down to this day. They can be said to be the heirlooms of HSBC."
"It is indeed very impressive." Yang Wendong said with a smile: "Like the people inside just now, when they heard that we wanted an unsecured loan, they thanked us directly."
It’s not that people at HSBC don’t have vision. If they are really given the opportunity to provide their own information and 3M’s contract data, etc., then even if HSBC will not agree, it will discuss possible other issues appropriately. cooperation.
However, pride is imprinted in the bones of HSBC, even among Chinese employees. The Japanese may look down on their own people even more, unless the person who comes has a certain reputation among the Chinese community.
Obviously, neither Yang Wendong nor Changxing Industrial meets this requirement. The factory industry itself is not very attractive to banks. The staff of HSBC did not even give them a chance. It is estimated that if the amount of opening an account for the two of them is not low, it is probably possible. Got kicked out.
Wei Zetao said with a smile: "Originally I didn't plan that HSBC would pay any attention to us. Just open an account. The same is true for Standard Chartered. We will choose who to cooperate based on the situation in the future."
"Well" Yang Wendong didn't care and asked again: "How is Liao Chuangxing and Hengsheng doing?"
Wei Zetao said: "I have already talked with them. They themselves want to take all our loans, but there is no guarantee that they will be credited soon, so they can only rely on us, one half for each family;
Now The rest of the interest is still being fought for. As long as the negotiation is almost done, that's it. "
"Okay, let's go back first." Yang Wendong nodded: "We can do it after the loan is settled. A new factory will be built immediately..."
"Understood." As the two walked and chatted, Wei Zetao added: "In addition, I have also found 16 people who can communicate in simple English and are willing to go to 3M in the United States. Study.”
“Can we only find people who can speak simple English?” Yang Wendong asked.
Wei Zetao replied: "Yes, people who are good at English generally have very high academic qualifications. With their abilities, they can find a good job in a large company or a British company;
Even if someone is willing to come to us The company also has to manage, and they are unlikely to go to the factory to learn technology."
"Well, that's right." Yang Wendong also thinks it's reasonable.
In this era, let alone those who can communicate in English, even if they can understand all Chinese characters, they are considered talents. It is easy to find a clerk job with a good salary.
Only in very good countries and regions where basic quality education is popularized will a large number of highly educated elites go to work in factories. This is also the foundation of an industrial power. Otherwise, who would be willing to work in a factory if there are other options?
Wei Zetao added: "I have specially recruited a translator with good English, and he will go with me, so there should be no problem."
Yang Wendong asked: "How is Lao Qian doing?"
Wei Zetao replied: "As for the patents we need, he is still making the final selection. As for the production line, after observing this period, there is basically no problem.
But it must be It will take a while, our people need to learn first, and then the equipment will be dismantled and shipped over from the United States. It just so happens that we will have enough time to build a new factory.
After that, it will be everyone. We came back from the United States together and concentrated on debugging and production in Hong Kong.”
"It's quite tiring." Yang Wendong nodded and said, "Well, when the people you send there have learned almost enough, we will also go to the United States to see the equipment and visit 3M Company."
"Okay." Wei Zetao said: "Now we are almost ready in all aspects, and we are just waiting for the two banks to lend money."
"Yes." Yang Wendong smiled and said, "I hope that in the future , we need to expand the factory and no longer need to ask the bank.”
Everything is ready and all we need is the east wind.
If sticky notes can be produced smoothly for a period of time in the future, then at least the general production capacity will be expanded and the problem will not be big.
Even if a loan is still needed, it won't be as urgent as this time.
Of course, this time too, starting a business in the early stages is not easy in itself.
(End of this chapter)