Chapter 162 Bank credit line of 10 million Hong Kong dollars
December 25, 1959, Christmas:
Western festivals have basically nothing to do with the Chinese. The entire Changxing Industrial factory still has Production is carried out in an orderly manner.
The motivation of all workers has become stronger, because they work here and can bring food back to their children every day.
In the late 1950s and early 1960s, although people were not starving to death, it was not easy for ordinary people to eat white flour and meat regularly.
...
In the office building ahead, Yang Wendong stood by the window, watching dozens of people below, loading three trucks with goods.
"Dong dong dong~" The sound of knocking on the door interrupted Yang Wendong's thoughts.
"Come in." Yang Wendong turned back and walked towards his seat.
The person who came in was Wei Zetao. After walking in, he said: "Yang Sheng, this is the second phase of the talent recruitment plan. Please take a look."
"Okay." Yang Wendong took the document, read it, and said, "Before the second phase is completed, we need to recruit 300 people? Is the number enough? There will be almost more than 2,000 people in total, right?"
Wei Zetao laughed Said: "That's enough. After the second phase opens, people from the first phase will also be seconded. The specific number will be determined based on the actual situation. < br>
Although the second phase of the factory will be built at once, the equipment will still be the same as the first phase, coming in batches. Dongsheng cannot produce hundreds of pieces of equipment at one time, so for We don’t have to prepare all the people at once.”
“Okay, just recruit according to this quantity and requirements.” Yang Wendong nodded.
Wei Zetao said again: "Yang Sheng, this last page is the written test questions we are preparing for the interview. What do you think?"
After Yang Wendong listened, he turned to the last page, read it, and said: "It's okay, it's not very difficult. If you can answer it almost, it can be considered as meeting our basic requirements for workers."
Hong Kong In the 1950s and 1960s, there were some people who were literate, but very few people had a primary school education.
Besides, many people come from outside Hong Kong. Even college students may not have a diploma. Even if they have a certificate, there is no way to tell whether it is genuine or not. Therefore, it is enough to directly test or look at his previous work experience.
"Okay, then I will follow this plan and start recruiting after New Year's Day next year." Wei Zetao said: "For the recruitment news, we have prepared to advertise in Mingpao. The Hong Kong and China Daily is taking a high-end route. , not suitable for looking for ordinary workers."
"Well, OK, but if you want to recruit middle-level people in batches in the future, you can consider Hong Kong China Daily." Yang Wendong nodded.
Before the advent of the Internet, recruiting or finding jobs was done through newspapers, which was also one of the largest sources of profit in the newspaper industry.
Similarly, this is also a screening method. If you can't understand the simplest recruitment in the newspaper, then you are not suitable for this job.
Hong Kong China Daily is more high-end, costing 50 cents a copy, and its customer group positioning is not suitable for workers, while Ming Pao or ordinary newspapers are.
"Okay." Wei Zetao said again: "One more thing, Liao Liewen from Liao Chong Hing Bank wants to visit you in the next few days."
"Liao Liewen? I haven't seen you for a long time. Yang Wendong asked: "Did you say anything?"
Wei Zetao replied: "I didn't say anything specific. I just said it was the bank's year-end visit to its big customers."
"Well, that's normal." Yang Wendong nodded, and then asked: "Our company is in Liao Chong Hing Bank How much money is left in the account?”
“Almost 500,000 yuan,” Wei Zetao said, “The main reason is that we still have a lot of loan business with Liao Chuangxing Bank, so it is difficult to clear all the deposits. Zero.
Leave a little and some transaction data to facilitate our future cooperation."
"Well, let's do this first," Yang Wendong thought for a while and said, "Just go back. Let him come at 9 o'clock tomorrow morning."
Although loans and deposits are two different things, there is still a year to go. Considering that the other party will still be of value to him, Liao Chuangxing's public account is still active.
Anyway, I just need to run away by the end of 1960. Even if the run happens early and my loan limit is higher, I can guarantee that Liao Chuang Hing Bank will not end up bankrupt or acquired by other banks. Losing money.
……
The next morning, Liao Liewen arrived on time.
"Liao Sheng, long time no see." Yang Wendong smiled and said, "I heard that you married another concubine?"
"Oh, it's my wife." Liao Liewen said with a smile: "Although Hong Kong law inherits the laws of the Qing Dynasty, the times are different after all, and every wife is the same. It is better not to use the word concubine."
"Haha, sorry." Yang Wendong said with a smile.
Many laws in Hong Kong follow the laws of the Qing Dynasty, but they also naturally inherit some British laws.
The most basic human rights are still there. It is certainly not possible to be like in ancient times, where the status of concubines is very low, and sometimes they even do not have the right to life.
Although the word "concubine" will still exist, in most cases, it is equivalent.
"It's okay." Liao Liewen said with a smile: "The biggest advantage of Hong Kong is that it is here. Some of my friends from Western countries are envious of it."
"Actually, they are all the same. Do you think monogamy is They don’t know how to play in this country? It’s just to maintain the law and not put it on the table,” Yang Wendong said with a smile.
Even black hole experts have gone to Loli Island, why should others think about it?
Maybe some rich people just didn’t go to “Loli Island”, but they definitely went to other similar places.
"Haha, yes." Liao Liewen smiled, and then said: "Yang Sheng, this visit to you is also the year-end task of our bank. We need to visit and thank all customers for their cooperation with Liao Chuangxing in the previous year. Bank cooperation.”
"Haha, cooperation is also mutually beneficial. I also thank Liao Chuangxing for the financial support." Yang Wendong replied politely.
“There is nothing better than mutual benefit and win-win results.” Liao Liewen smiled and then said: “In addition to this matter, we at Liao Chuang Hing Bank also hope to achieve more cooperation with Yang Sheng in the next year.”< br>
“That’s no problem.” Yang Wendong nodded and asked: “I don’t know what kind of cooperation it is? Is it possible? Be specific. "
Liao Liewen said with a smile: "Yang Sheng, we are a bank, so naturally we are loan cooperation.
If you have any investment here and need a large amount of funds, you can find it. We, we will decide how to cooperate or how much interest will be based on the risk level.”
Yang Wendong nodded, and then asked with a smile: "It seems that Liao Chong Hing Bank has done a good job in attracting deposits in the past year."
Liao Baoshan, the founder of Liao Chong Hing Bank, acted in a high-profile manner last year and was interviewed everywhere. It once became the first trend among Hong Kong Chinese since the former richest man Ho Tung. Most ordinary people in this era have limited channels for receiving external information. Liao Baoshan's high profile naturally attracted many people to make deposits.
This idea is a bit like Jobs, Musk and Lei Jun in the previous life, who used the boss’s reputation to generate product traffic.
"It's okay. Even the funds we absorb have to be lent out." Liao Liewen nodded and said, "Yang Sheng is a high-quality target for us."
Yang Wendong asked: "Isn't my father investing heavily in real estate?"
Liao Liewen said with a smile: "Yang Sheng is joking. Although my father is investing in real estate, the banking industry is also the foundation of the family industry, and we can't I gave up the banking industry because I was involved in real estate.
Besides, the ratio of bank funds used by my father is not very high. In fact, we are all aware of the problems that the outside world is worried about. "
Yang Wendong. After thinking for a while, he said: "Liao Sheng, if I guessed correctly, this is actually your personal behavior, right?"
"Yes, Yang Sheng is right." Liao Liewen nodded and said with a smile : “I also hope that the bank’s funds will be managed in the same way as banks.”
"Liao Sheng is really thoughtful." Yang Wendong also understood.
Everyone knows that Liao Chong Hing Bank’s real estate business is too risky. You can win ten thousand times with this method, but you will be completely dead if you lose once.
As the crown prince of Liao Chuang Hing Bank, Liao Liewen also tried his best to reduce the bank's risks. However, if the emperor did not abdicate, it would not be the crown prince's turn to have the weight to speak.
Liao Liewen continued: "As long as Yang Sheng understands, although my father is keen on real estate, he will not delay the bank's own business.
So I hope that, like Yang Sheng, High-quality customers can borrow more from our bank.”
"Yes." Yang Wendong smiled: "The bank's business uses more funds, so your risks are indeed reduced a lot."
Liao Liewen hopes that outsiders can borrow a large amount of savings deposits from Liao Chuangxing Bank, thereby Impeding his father's expansion in the real estate industry is also a way to control risks;
After all, even if more funds are absorbed, they are limited. Bank loans consume more funds, so naturally there will be no More bullets are used to invest in real estate.
No wonder he took the initiative to come to cooperate with him. You must know that the outside world in Hong Kong also has a rough estimate of Yang Wendong’s assets. The people at Liao Chuang Hing Bank must also know that he has already started to mobilize funds and left. In this case, They also took the initiative to provide loans at their doorsteps because they also had their own needs.
Liao Liewen continued: "So Yang Sheng's cooperation is still needed, which is also good for you."
Yang Wendong nodded and asked: "Then how much quota do I have?"
Liao Liewen paused and said: "Our bank has internally analyzed the operating conditions of Changxing Industrial. In terms of quota, we are willing to give 10 million Hong Kong dollars. "
"10 million Hong Kong dollars?" Yang Wendong was a little tempted, but still asked: "I can invest in anything?"
< br>Liao Liewen said: "No, our bank will also give approval, but as long as there are no big problems, it is fine. For example, if you want to invest in industry and build a new factory, as long as there is a market for the product;
Or you If you want to invest in real estate, this is no problem. However, the house you buy must be mortgaged to us, which will also facilitate our bank’s internal operations.”
"Very reasonable." Yang Wendong nodded, then thought of a question and asked tentatively: "What if I want to invest in shipping?"
"Shipping?" Liao Liewen looked a little embarrassed and said: "Yang Sir, not only our bank, but many banks in Hong Kong, including HSBC, are not very willing to invest in shipping, unless they are old shipping companies like Swire and Wheelock."
"Hong Kong banks. Don’t you want to invest in shipping?” This is the first time Yang Wendong has heard about this.
In his impression, Bao Yugang was supported by HSBC. That is to say, HSBC has not yet started investing in Bao Yugang, or it has just started, and Bao Yugang is not yet famous at this time.
"Yes." Liao Liewen explained: "It's really because this industry is so volatile. When you make money, you can make back the ship's money in a few months. When you lose money, you have to rush to dismantle it. Boat.
And the collateral is floating in the sea. When there is a problem, even if the bank can recover it, it will still have to pay to maintain it, so Hong Kong banks basically do not do this business. ”
“That’s true. Yang Wendong nodded, and then asked: "But the shipping industry is also an asset-heavy industry. You can't all use your own money, right?" "
"Yes, shipping is more asset-heavy than real estate. "Liao Liewen said with a smile: "Hong Kong banks don't like lending to the shipping industry very much, but Japanese banks do. Their country has policies to support the shipbuilding industry, and shipbuilding and loans are all one-stop. ”
“Oh, that’s it. "Yang Wendong smiled and said, he finally understood.
Liao Liewen asked again: "Does Yang Sheng really want to enter the shipping industry? ”
"Maybe in the future." Yang Wendong said with a smile.
Liao Liewen did not pursue this topic again and said: "If you don't consider shipping now, then you might as well consider real estate now. Yang Sheng is also very confident in the real estate industry, right?"
"It's okay." Yang Wendong nodded and said, "In this way, I can agree to this cooperation, but what kind of property do I want to buy? You have to think about it."
"Okay." Liao Liewen said with a smile: "Actually, if Yang Sheng doesn't have any good investment targets, he can just choose Central. My father has chosen many properties in Central. , these are high-quality assets that are easy to cash out."
"Okay, let me think about it," Yang Wendong agreed.
What Liao Liewen said was right. Buildings in Central were indeed easy to cash out. Historically, when Liao Chong Hing Bank was run on, Liao Baoshan urgently sold several buildings at low prices.
No bank can stand it once a run begins. Only by restoring credit can it be revitalized.
Liao Liewen said: "Well, I hope Yang Sheng can make a decision soon."
"Okay, think about it, I will let you know." Yang Wendong nodded and said.
Then, after chatting for a while, Yang Wendong sent Liao Liewen away, and met Su Yiyi when he came back.
Su Yiyi smiled and asked: "Brother Dong, what are you so happy about?" ’
“Here comes an opportunity to make a lot of money.” Yang Wendong replied with a smile.
It just occurred to him that if he got this loan, not to mention what he would buy now, but when Liao Chong Hing Bank was run on, he would at least be able to buy their properties in Central at a low price.
Isn’t this the same as the fateful events in Jin Yong’s novels, except now we are buying another property with the same money.
(End of this chapter)