Chapter 190 Making friends with the future HSBC senior class
The most important investment in the "Formosa Plastics" Group has been completed. The remaining matters regarding specific cooperation naturally do not require Yang Wendong to stay in Wanwan.
In the future, Changxing Industrial’s team will stay in Wanwan and work with Wang Yongqing’s people to build the new factory as quickly as possible.
This is also something that both parties urgently need to accomplish.
On the third day after returning to Hong Kong, when Yang Wendong came to Changxing Industrial again, Wei Zetao brought a piece of news.
"Yang Sheng, Liao Chuang Hing Bank and Hang Seng Bank are a little hesitant to lend money to our joint venture with Fu Mao." Wei Zetao said after coming in.
"Oh." Yang Wendong frowned and asked, "They don't want to lend money to Wanwan's company?"
Before the formal joint venture with Wang Yongqing, Yang Wendong only communicated verbally with Liao Baoshan and Liao Baoshan. He Shanheng from Hang Seng talked about this matter, and they all responded verbally that it could be negotiated; at that time, they did not go any further. After all, they had not officially invested in Fumaon yet, so how could they spend too much energy and resources to communicate with the bank.
Because there is a lot of money involved, once formal negotiations are made with the bank, the bank will also mobilize resources to prepare, whether it is manpower or capital.
If the joint venture fails in the end, wouldn't it be a waste of money for the bank? Although this is unlikely, normal business logic still requires detailed discussions with the bank after further cooperation.
Wei Zetao said: "No, they also want to do this business, but they may be worried about ZZ risks, after all."
"Well, I understand." Yang Wendong nodded, it is only 60 years ago, many people Worry about the possibility of ZZ outbreak.
Then he asked: "Then they want to do this business again? Do they want to increase the interest rate, or what? If the interest rate is too high, then I might as well ask Fumao to get a loan from the Bank of Japan."
Wanwan actually supports the manufacturing industry, but like the mainland in the 1980s, it has very strict foreign exchange controls.
Although Fumao’s final products are for export and can also earn foreign exchange, the process at Wanwan is still very slow, which will seriously delay Yang Wendong’s supply chain plan, so Hong Kong loans are given priority.
However, the Bank of Japan also has many branches in Wanwan, and you can also go to them. However, the interest rate is a bit higher, much higher than that of Hong Kong banks.
Wei Zetao said: "What Liao Chuangxing and Hang Seng mean is that the interest rate can remain at the normal level in Hong Kong, but they hope to introduce major British banks to lend money to Fumao together."
" Introducing a British bank?" Yang Wendong paused and said, "I understand what they mean, but have they said which bank they want to find?"
Although Yang Wendong knows the situation of the British Empire in the future, in this At that time, Britain was still the strongest empire after the United States and the Soviet Union.
The Royal Navy is not bad, and its colonies are spread all over the world, although its control capabilities have been greatly reduced.
More importantly, the relationship between the mainland and the United Kingdom is relatively good among Western countries.
Wei Zetao said with a smile: "They want HSBC to participate."
"HSBC? We haven't cooperated with it much yet." Yang Wendong thought for a while and said: "In Hong Kong, it is true. Sooner or later, I need to get online with HSBC. I also know someone within HSBC. I just want to take this opportunity to have a small cooperation with HSBC.”
Now I have entered the real estate and shipping industries. Every industry is very dependent on banks.
In Hong Kong, the most powerful bank is HSBC. Even if it is not the number one consortium now, knowing the future, he will definitely need to have a good relationship with it.
As for Chinese-owned banks, they began to decline after 65 years. It was not until the early 1980s that British capital retreated from Hong Kong, and things turned around.
"Okay, then I'll wait for your good news." After Wei Zetao finished speaking, he said goodbye and left.
Yang Wendong smiled and picked up the phone next to him.
In a presidential suite at the Peninsula Hotel:
Yang Wendong sat in front of the huge floor-to-ceiling window, reading the nearest newspaper, blowing on the air conditioner, and occasionally looking at the scenery.
"Ding dong~" The bell rang outside. Yang Wendong put down the newspaper and went to open the door. Standing outside was a beautiful young girl wearing a bank uniform.
"Yushan, you look really beautiful in this bank uniform." Yang Wendong said with a smile.
Bai Yushan said sourly: "That's not as beautiful as Mrs. Yang, right?"
Yang Wendong pulled her over, held her in his arms, then closed the door and smiled. : "What's wrong, are you jealous?"
"Hmm~" Bai Yushan said "hmm".
Yang Wendong took action. To deal with a girl who is a little jealous, it is useless to rely on "talk", but to "do";
Love is not said, but done.
"Wait, I'm covered in sweat." Bai Yushan said quickly: "It's too hot outside, I just jogged a little."
"How about we take a shower together? I happen to be a little hot too," Yang Wendong said with a smile.
"Yes." Bai Yushan looked at Yang Wendong, who had no sweat on his head and whose skin was a little cold from the air conditioner on his hands, and finally said: "Okay."
[20,000 words are omitted here]
More than an hour later, the two of them were lying on the bed, covered with a thin quilt, and the air conditioner was blowing. Yang Wendong also entered the sage time.
While this time was not long, Yang Wendong also informed Bai Yushan of what he needed to do.
After listening, Bai Yushan said: "Do you want HSBC to lend to your joint venture? Or in Wanwan?"
"Isn't it in line with HSBC's policy?" Yang Wendong asked rhetorically .
Bai Yushan thought for a while and said: "HSBC has begun to support Hong Kong's manufacturing factories in the past two years, mainly to compete with Chinese banks, especially Hang Seng;
In fact, there are overseas loans, and HSBC has always There is overseas business, but I have never heard of such cooperation with Hong Kong factories overseas, or it has happened before, but the cooperation involved relatively small funds, so I didn’t care about it.”
"Well, there is always a first time for everything." Yang Wendong nodded and said: "The market profitability of this joint venture is still very good. I would like to meet with the senior management of HSBC to see who you think is more suitable."
< br>Involving hundreds of thousands of dollars of investment, ordinary HSBC employees cannot make the decision, and Yang Wendong’s time is also very precious. It is definitely necessary to negotiate with the senior management, then set a cooperation strategy, and then let his subordinates discuss the details. .
However, there are several high-level executives at HSBC, so it is very important to find one on your own initiative. Bai Yushan has been working at HSBC for more than half a year. Although she definitely doesn’t know any of the high-level executives, at least she You should know something about the situation.
Bai Yushan thought for a while and said: "I know a ghost named Sanders. He is currently the credit supervisor of the credit department of HSBC Bank, but I heard that he will be promoted soon because the current manager is about to retire.
This Sanders, among all the senior executives of HSBC, is the most inclined to cooperate with the Chinese, and he is also the executive with the best performance in HSBC in recent years.”
“Sanders. ?" Yang Wendong naturally knows this name. Speaking of HSBC’s senior executives, those who know a little bit about Hong Kong history are the “egg man” Shen Bi.
But in fact, before Shen Bi, the previous Taipan Sanders was also a very good Taipan. His policy towards Chinese businessmen was the same as Shen Bi, and Shen Bi could even be They were promoted and became the next CEO because they have similar views.
If Shen Bi trained Li Jiacheng, then Sanders trained the shipping king Bao Yugang.
Bai Yushan asked: "Have you heard of him?"
"Have you heard of him?" Yang Wendong asked again: "Does HSBC currently cooperate with shipping companies?"
"Shipping?" Bai Yushan didn't understand why she suddenly mentioned this, but still replied: "Probably not. HSBC has never cooperated with the shipping and film industries because it thinks the risks are too great."
"Well, okay, then I will discuss cooperation with Sanders." Yang Wendong nodded and said.
In his memory, Bao Yugang was the first shipowner to successfully obtain a loan from HSBC. If HSBC has not cooperated with a shipping company yet, it means that Bao Yugang is probably still short of money at this time. Perhaps, I also have a chance.
Bai Yushan asked: ‘Do you need me to report this matter? . '
"No need." Yang Wendong smiled and said: "I will contact you through the middleman in the mall. You can just work and study at HSBC normally."
"You Are you treating me as a spy?" Bai Yushan said softly.
"Spy? That's not a big deal, it's not asking you to betray the company." Yang Wendong smiled, touched his hand again, and said, "But think about it, a female spy is quite exciting."
"."
The time of the wise has passed and World War II has officially begun.
That night, Yang Wendong entrusted an intermediary to get in touch with Sanders. He learned that it was Hong Kong's recently famous sticky note king who was making an appointment, and Sanders naturally agreed.
The next day, Yang Wendong came to the Blue Hall, a club near HSBC Bank, and met Sanders, who is currently the head of the credit department of HSBC Bank.
"Hello, Yang Sheng." Sanders said in very fluent Cantonese. As a high-level British bank employee in Hong Kong, knowing the local language is also a basic operation.
Yang Wendong also politely said: "Hello, Mr. Sanders, please take a seat."
After the two exchanged pleasantries, Yang Wendong went straight to the topic and introduced his investment situation in Wanwan to Sanders. .
After listening, Sanders said: "So Yang Sheng wants HSBC to lend 500,000 US dollars to this company called Fumao?"
"Yes." Yang Wendong nodded and said : "However, HSBC is not just a bank, Liao Chong Hing Bank and Hang Seng Bank will also participate. The specific amount of each bank will have to be negotiated;
It depends on how much HSBC is willing to lend?"
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"Do I have the dominant position here?" Sanders asked again. When it comes to United Bank loans, one of them usually has the dominant position and the highest loan amount.
Yang Wendong smiled and said: "Yes, as long as you are willing."
When the two Chinese banks wanted to join the British bank because they lacked the courage, the dominance of this loan was Naturally, it belongs to British banks.
“Judging from Yang Sheng’s description, the risk of this loan is almost non-existent from a business perspective.” Sanders thought for a while and said, “I also know that Changxing Industrial’s products are sold in many places around the world. They are all selling well, but when you go to Wanwan to get a loan, you really need to consider the ZZ risks."
Yang Wendong said with a smile: "HSBC is backed by the UK, I think this is a guarantee, right?"
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"Hahaha, Yang Sheng is right." Sanders nodded and said, "In this case, I will go back and think about it, and I will give you an answer soon.
However, apart from this matter, We at HSBC also want to cooperate with Yang Sheng in other areas, especially your various industries in Hong Kong, whether it is factories or real estate, or other businesses that you are optimistic about.”
“I would also be happy to do so in the future. Cooperate more with HSBC." Yang Wendong also followed the other party's words and said, anyway, there is no loss.
And if you do it on a large scale, you will indeed need to cooperate with HSBC, not just because HSBC has money, but to a certain extent, you need to bring HSBC into your tank.
As long as the loan is large enough and can bring a lot of income to HSBC, it will naturally be considered half of the alliance.
"Okay." Sanders said with satisfaction.
Over the years, he has been trying to get HSBC to cooperate with most Chinese-owned companies, whether they are factories or real estate companies.
Because he discovered that many Chinese-funded banks in Hong Kong started by working with these Chinese-funded companies that British banks looked down upon, and gradually grew bigger.
Although Chinese-owned banks are currently far from the level of HSBC, Standard Chartered, and Hong Kong Bank, their development speed is indeed very fast.
After he promoted cooperation with Chinese-owned companies, HSBC's performance has also improved rapidly. Among the Chinese-owned companies in Hong Kong, Changxing Industrial is obviously one of the strongest, and has great potential.
In the afternoon, Sanders returned to the bank and immediately summoned his British colleagues at the same level to inform them of the incident.
“I disagree.” A ghost guy said directly: “We at HSBC have cooperation with Wheelock, Swire, and Jardine Matheson in Hong Kong. The scale of British-funded companies is also much larger than that of Chinese companies. Why should we Spending so much money on Chinese companies?”
Sanders also knew that this person has always opposed cooperation with Chinese companies, so he said: “We don’t agree. There are also Standard Chartered, Yili, and even Chinese companies. Overseas banks;
Is the money earned by the Chinese and the British still divided? Isn’t the Chinese’s Hong Kong dollar the Hong Kong dollar? ”
Internally, HSBC is now divided into whether to cooperate with the Chinese on a large scale. There are three factions, one is cooperative, one is non-cooperative, and the other is centrist.
Everyone discussed, and finally an old white man sitting at the front said: "Sanders, do you think the risks of this matter are okay?"
"From an economic point of view, no. What are the risks?" Sanders said: "As for ZZ. I don’t think it’s likely. The Middle East has been in chaos recently, and Western countries have focused their attention there and have no time to care about Asia.”
“Well, that makes sense. ." The leader nodded and looked at the crowd again. Said: "Everyone, I have a data here. Hong Kong has always been famous as a trade center and the world;
But since last year, the export share of various industrial products produced in Hong Kong has exceeded The re-export trade has changed, which shows that the current wealth distribution in Hong Kong society has changed.
Most of the factories in Hong Kong are owned by Chinese. Although many of them are small, they must not be ignored, so I Agree with this cooperation.”
Everyone was silent, and the superiors had spoken. Even if they had ideas, they could not object in public.
Sanders smiled and said: "Okay, Mr. Wells, I will send someone to Wanwan to investigate first. After the information is confirmed, I will go to the lender to negotiate."
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(End of this chapter)