Chapter 114

Lin Wei seems to have no shortage of money now, but in fact, her current assets are full, and even the expected amount is less than 300 million. The milk tea shop cashed out more than 200 million. She misappropriated Hezi's money for other purposes. Next May, her career will not improve.

When she actually invests in real estate, the money may be spent in the blink of an eye.

It's not enough to just make money like this, you also have to borrow money.

"You want to use Hezi as collateral?" Ahmed asked.

Lin Wei nodded and said, this is normal business behavior. For development needs, the company will mortgage equity, securities, real estate, etc. to the bank to obtain funds. Most of Yuan Guodong's ships were purchased from HSBC loans, and they all The boat is used as collateral.

The reason why HSBC has become the richest man in Hong Kong twice is because of its abundant funds. How can the company have so much cash flow? In order to expand, you need loans. Only with loans can you find a way out. Without loans, it is equivalent to missing legs.

With the help of a large consortium like HSBC, it is natural to get twice the result with half the effort.

Mike and Ahmed looked at each other.

"I opened an account with Hang Seng because I borrowed money," Lin Wei said. "If I borrow 300 million from HSBC, HSBC can earn nearly 10 million in interest every year. This is a win-win situation..." "

Wait a minute. "You mean 300 million?" Ahmed couldn't help but ask, "How is the loan interest rate calculated? It's only 3%." He looked at Yuan Guodong, suspecting that the other party had revealed something. They only gave such an interest rate to a few people. A few customers.

"Ah - I'm sorry," Lin Wei seemed to have reacted, "I calculated it based on the loan interest rate given to me by Hang Seng, so let's calculate it based on 4%, which is 12 million..."

4% won't work either. , HSBC's loan interest rate for enterprises is at least 8%, and the opening is 300 million. How dare she? How is Hezi worth so much money?

In the interest rate war between banks a few years ago, HSBC even raised the annual interest rate for depositors to 7%. If the major banks hadn't sat down to negotiate and re-set the standards, I don't know what it would have turned out to be in the end, and I don't know what she was thinking. They talk about 3% and 4% as soon as they open their mouths. They are so light and easy to come in and out of. Are they doing charity?

Lin Wei is actually very helpless. Nowadays, interest rates and future generations are really two different things. Ordinary people don’t need to make any investment at all. They can just deposit in the bank. The interest rates are frighteningly high, which is comparable to high-yield financial products. Their regular It's been a week, but there is still a week's rest. Isn't it outrageous? With such a high degree of free marketization, competition from more than a hundred banks, and the Hong Kong government's active non-intervention policy, it is surprising that there is no chaos.

Mike put down the tea cup and said with a smile: "What does Miss Lin want to use the money for?"

Lin Wei organized her words in her mind and began to make up half truthfully: "Hezi's development has reached a bottleneck and she wants to make further progress. To develop, we must put our perspective on Paris. If we follow the steps, it will be a very long process. I believe you can understand what I mean, so I plan to acquire a foreign-funded enterprise... If I can get the support of HSBC, it will take three years Over time, I will let Hezi grow up and establish a firm foothold in Paris, France. "

Acquiring foreign-funded enterprises?

The three of them were stunned, including Yuan Guodong, with expressions of surprise.

At this time, there was no precedent for Chinese businessmen to acquire foreign-funded enterprises. At most, they would hold shares and compete for some say in the board of directors. Lin Wei's idea was a bit unexpected.

“I have actually acquired a wine estate,” Lin Wei added.

"Isn't Miss Lin being too aggressive?" Mike asked.

"Are you afraid that I won't be able to pay back the money?" Lin Wei said calmly, "If you follow the classification of the banking system, I think I should be considered a high-quality customer and a high-quality loan, right?"

Ahmed sneered.

Lin Wei glanced at him and said unhurriedly: "I came to Hong Kong in 1965, and it will be two years in more than three months. I currently hold shares in four companies, Tea Love, Hezi, Tian Ruian Bao and Huaqiang Toys Every company has sufficient liquidity and high employee benefits. It can still operate normally even without relying on any bank loans."

She spoke softly and said slowly: "I just repaid Hang Seng 5 million yuan not long ago . Now my loan amount in the bank is zero. My career is indeed expanding very fast, but am I really taking the plunge?"

When Lin Wei said this, the three of them were stunned for a moment. This speed is faster than others. How to say? It's truly something I've never seen before.

It was Yuan Guodong who laughed first and said: "Based on my experience of looking at people for so many years, people like Miss Lin are either geniuses or liars..."

Lin Wei turned to look at him and smiled: "Thank you Mr. Yuan "Praise."

Yuan Guodong said with a smile: "You thanked me too early. Other than me, others are more likely to regard you as a liar."

Lin Wei also laughed, "It's the same, and you can't do it if you don't have enough IQ. " Liar," she said bluntly, "but I am definitely not a fool. I will not bet on Hezi easily. It is difficult to establish brand value. It takes not only time and energy, but also the blessing of luck, especially for luxury goods. This industry may require the efforts of several generations. I cherish Hezi and hold a golden rice bowl. Unless I am really stupid, I will use it to deceive others."

She then looked at the two HSBC executives: "I will not treat people as fools. No one is stupider than anyone else. There are always people smarter than you. Those who cheat others will always cheat them. Businessmen are based on credit. I will cherish my feathers."

She output this, It also leaves people speechless.

Mike looked at Lin Wei, smiled, and said, "Someone mentioned Miss Lin to me earlier. It's inevitable that I'll be a little curious after hearing about it a lot. Now that I meet her, I feel that it's very different from the rumors."

"Oh . "Yuan Guodong put down his tea cup and asked, "What's your opinion?"

"Ms. Lin should marry a British gentleman."

Ahmed was surprised: "I didn't expect Mr. Mike to have such a high opinion of Miss Lin."

This is really the arrogance of the British. In their view, being able to marry a British person is recognition of Lin Wei.

Lin Wei smiled and said: "Capitalists do not distinguish between national boundaries, so they should not distinguish between men and women. Whether I get married or not will not affect my career."

"Capitalists have no country" was what Mike said. Lin Wei will This sentence was modified to answer Mike.

Lin Wei felt that she had really matured a lot. At another time, she would probably have become eccentric. But not to mention that she wanted to get a loan and discuss cooperation now. In this era, the British in this era are probably not the worst, only worse.

The two people in front of them were obviously able to put on a show and did not directly say anything discriminatory against the Chinese.

"You are right." Mike said with a smile, "You are the most special Chinese woman I have ever met, but the loan needs to be considered in the long term."

"Although we recognize Miss Lin's ability and Hezi's value, 300 million--" Ahmed said, "This is impossible..."

It's not something that can't be accomplished. Lin Wei wants too much. HSBC would not grant her such a high loan. This seriously exceeded Hezi’s valuation. This was not a listed company, so how could it be worth so much money? No matter how much money Hezi makes, he only has one store.

Lin Wei thought for a while and then said: "You two don't believe in Hezi's profitability? Hezi has two brands, Yashan and Hezi, and four factories, a garment factory, a leather goods factory, a textile factory and accessories. The processing plant, I also have the star-making machine of Goddess. If it continues to develop, the annual profit will be at least guaranteed to be more than 100 million. When banks borrow money, isn't it the stable repayment ability that they have to consider?"

Mike shook his head and said: "The bank considers more risk capabilities, and Hezi obviously cannot meet our requirements."

Literally translated, the bank wants to make a business that is sure to make a profit, and to guarantee income during droughts and floods. The risk of lending to Lin Wei is too great, and they will not take the risk. This risk.

Lin Wei sighed lightly and said: "Maybe I don't know enough about banks. Is the risk really that big? Even if Hezi doesn't develop as well as expected, if it goes public, it won't be unable to pay the money. To the point of——"

Ahmed subconsciously wanted to say that it is impossible, how can it be so easy to go public, but when he thought that Chalian was listed in Taiwan a few months ago, it was difficult to say this.

If she said this, if Hezi was a listed company, they would indeed not have so many scruples.

"Has Hezi any plans to go public?" Ahmed asked.

"Companies are all going public," Lin Wei said with a smile, "It mainly depends on the timing. Hezi only plans to open three stores in Hong Kong, Hong Kong Island, Kowloon, and the New Territories. There is no need for more. After all, we are not selling milk tea. We want to expand With its scale, it is natural to enter the European and American markets. I have just established the Xiangjiang Fashion Association. Everything is to pave the way for Hezi's future. If we want to speed up the process, we need financial support."

Mike took the teacup, pondered for a moment, and said, "What if . With the equity in Cha Lian, maybe we can consider it."

Lin Wei sighed inwardly, this is really not something she is willing to do. If she has sold it, where can she use it as a mortgage?

She picked up the teacup noncommittally and began to calculate in her mind what the other party's bottom line was.

Two hundred million?

I don’t know if we can talk about it.

Borrowing money is a fate that a businessman cannot escape in his past life and this life.

The reason why she has a good relationship with Hang Seng is, on the one hand, her private preference for Chinese-funded enterprises. On the other hand, she needs a trustworthy bank to cooperate with. Otherwise, problems will easily arise when the company has difficulties in turning around. Being stabbed in the back by a bank is very fatal, and many businessmen have died this way.

There are nearly a hundred banks in Xiangjiang, but not many can really meet her needs.

Perhaps, she should find a way to take Hang Seng a step further so that she can borrow more money in the future.

"In this way, I will guarantee for Miss Lin. You two can think about it again. You can discuss the amount and interest rate. I will be Miss Lin's guarantor and guarantee her credit. If the payment is really not paid in the end, there will be me. ."

Lin Wei was stunned and looked at Yuan Guodong.

Mike looked at Yuan Guodong in great surprise: "Pou, I didn't expect that you and Miss Lin are so close. I never heard you mention it before."

"Not really," Yuan Guodong said with a smile, "It's just that I believe in Miss Lin. With the ability to achieve such results in less than two years, what's the suspense about Hezi's rise? It's good to be conservative, but sometimes you need a little courage, just like you did to me.

" Wei looked a little complicated. This was no longer a trust issue. Who would guarantee a 300 million loan for no reason?

If there is a thunderstorm in the end, his career will be dragged into the quagmire. This is a gamble. If Fang Jiahui were here, he would probably stop him.

She is right to have confidence in herself. This is based on knowing the future trend, but she dare not say 100% that the final result will definitely be good. Every decision is actually risky. Knowing history does not mean knowing historical details. Sometimes a mistake in judgment can lead to ruin.

This favor is a bit too big.

"Since Pou said so, I naturally have to go back and think about it carefully," Mike looked at Lin Wei: "Ms. Lin was very lucky to get such help. Pou did not have such good luck at the time. The most common thing he received was rejection. He was so fierce that they wouldn't even let him in. "

"You want to use the past to arrange things for me again -" Yuan Guodong shook his head helplessly, "You were much more powerful at that time than you are now . Although he is just a small manager, he is very good at reading people."

"Pou--" Mike said dissatisfied, "You can't do this, Miss Lin will believe it."

Lin Wei smiled and could tell. They have a good relationship. They have known each other since Mike was not a senior classmate at HSBC. They have known each other for many years and have a certain understanding of each other.

Although this executive still has the arrogance of the British, he really implements the saying that capitalists have no country. If it can bring benefits to HSBC, they don't care who the other party is.

Because Lin Wei was there, they didn't talk too much about the past. Instead, they turned the topic to recent news, such as Standard Chartered and Hang Seng. They wanted to know some inside information from Lin Wei and what role Lin Wei played in this.

Lin Wei said some things but not all. For example, Hang Seng is not as rich in funds as HSBC and is not big enough to lend out much money. Chinese-owned banks are weak and not as good as HSBC as the management bank for bill settlement. It has huge interest-free loans. If you use it, no matter how fast Chinese-owned banks are, they can't compete.

They are all fun to listen to, but a bit weird and useless when you think about it carefully.

After afternoon tea, the two HSBC directors were about to leave, and Lin Wei exchanged business cards with them.

Lin Wei accompanied Yuan Guodong to see off the guests. On the way back, she asked Yuan Guodong: "Does Mr. Yuan trust me too much? 300 million is not a small amount. You have to bear a big risk."

Yuan Guodong smiled heartily, " You saved Lei'er, my family and I are priceless. And I believe that the person who is willing to come forward in such a situation will not be a morally defective person. I believe in my own vision. Besides, ——" He said slowly, "Hezi's value is indeed what you said. It's not really worth the money. I'm just pushing the boat along and giving you a little help. Miss Lin doesn't need to take it too seriously."

Lin Wei . He sighed in his heart. Although he was right, in the situation next year, no one would think about buying luxury goods. Hezi was not worth anything at that time. Although Lin Wei would not deceive people, but that By that time, they would probably all think that she was finished and she couldn't pay her back.

People's confidence comes from experience and common sense. If there is no problem under normal circumstances, they really think that there is no problem. But no one knows when the accident will happen, the policy will change, the world will change, and the sky will change -

complacent people, Don't know what kind of future we will face.

But when it came to guarantee, Lin Wei suddenly thought of Mrs. Eaton. Based on their current "friendship", she didn't know if the other party would be willing to be her guarantor.

It's unlikely, but she would like to give it a try if she has the chance. It would be interesting to see what the other person's reaction is.

But if the other party really agrees, then the matter may be a bit big.

"Is Mr. Yuan interested in the Kowloon aviation industry?" Lin Wei suddenly said.

Yuan Guodong paused in opening the door and looked at Lin Wei.

Lin Wei thought it was time to find something for Mrs. Eaton to do.

Kowloon Shipping is controlled by Fusheng, which monopolizes the largest cargo port in Hong Kong. It has most of the docks, cargo yards and warehouses in Tsim Sha Tsui, the New Territories and Hong Kong Island, as well as hotels, buildings, real estate, ferries and trams and other industries.

Whoever controls the shipping industry in Kowloon is equivalent to controlling most of the docks and maritime traffic in Hong Kong.