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Text Chapter 87: Need a loan

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    In the past few days after returning to Xiangjiang, Li Xuechu had a lot of things on his hands, including asking for a loan from a bank, the economic crisis in Xiangjiang in two months, the Famicom, and of course, the trip to the United States that was about to start.  Find a loan first.  I remember Youde said someone at Standard Chartered was ¡®interested¡¯ in him.  Well, I just happened to be 'interested' in them now, and I wanted to borrow money from them.  It's a pity that no one has a phone number, not even the Governor's.  Although people initially praised themselves like a flower, in the end their level was not good enough.  Verbal praise costs nothing and should not be taken seriously.  Fortunately, there is Li Chaoren.  "Haha, I finally received your call. I thought you had forgotten us old men." "Uh, how is this possible?" "Chu Tsai, I heard that you went north some time ago. Did you gain anything?" "  Originally it was just for the movie, but I actually found a project. I plan to build an electronics factory. "The other end of the phone paused: "This project is also starting to open up."  There has been a certain degree of growth, and this difficult-to-see industry has given Xiangjiang manufacturers, which have been under heavy internal and external pressure, a chance to breathe.  But after all, the clouds are still hanging over their heads. Now many factory owners have begun to think about building factories in the north. In addition to shoes and clothing, small electronics factories have the largest number.  Li Chaoren probably thought that he also wanted to get a digital watch or something.  Li Xuechu had no intention of explaining it. He planned to eat this pie alone, at least in the first few years of huge profits, he had no plans to carve out a share.  "Uncle Cheng, do you have the contact information of Standard Chartered?" "What, you want a loan?" Li Chaoren was obviously a little surprised: "Chu Zai. Are you having too much fun in the north, aren't you afraid of falling into it?" Li Xuechu  The assets are very easy to check in Xiangjiang.  The biggest source of wealth is toys, and the profits from this kind of physical import and export cannot be hidden from those who play finance.  Almost all of it was spread out in front of others.  So the wealthy people in Xiangjiang also understand how ¡®strong¡¯ the funds this guy has on hand. He has so much money that he has no place to put it, so he still needs a loan?  "Haha, it's just a little fun over there." Li Xuechu said with a smile: "The real estate market is good now. I want to give it a try to save money from moldy in the bank." There was another pause on the other end of the phone.  "What a big deal." Li Chaoren sighed: "I have saved so much on hand, but I still have to continue borrowing money. To be honest, I originally planned to borrow some money from you in two days, but it seems there is no hope." "Oh.  "Uncle Cheng, what's wrong with you?" Li Xuechu was surprised.  "Haha, it's nothing big. I just have some trouble with Hutchison Whampoa. I plan to sell part of the real estate. What do you think, Chu Tsai, are you interested?" Li Xuechu was speechless for a moment. Of course he was interested, but not now, but at least three days ago.  Months later, or half a year or a year later.  Buying now is a fool's errand.  "I have to take another look. After all, I'm still a novice and don't understand the market. Mr. Li, let me think about it." "It's appropriate to think about such a big thing. Well, let me give you the phone number first. Other things.  It¡¯s not too late to discuss it later,¡± Li Chaoren said with a smile.  "Actually, as long as your company calls you, they will come to talk to you. After all, your company is now a star enterprise in Hong Kong. If I hadn't known that you were reluctant, I would have wanted to get involved." "Haha. Uncle Cheng.  Just kidding.¡±¡­ After hanging up the phone, Li Xuechu shook his head and laughed.  Neither of them told the truth.  Is Li Chaoren short of money?  He probably had the same idea as himself, to cash out as soon as possible and observe what happened next.  Although they are not from later generations.  But every time a crisis comes, he can escape on time, and his judgment is astonishingly accurate.  With the victory of Falklands, real estate has reversed the slump and shown a slight upward trend. Apart from a few small players such as Li Xuechu's Kowloon Bank, there are several companies including Hutchison Whampoa that quietly invest real estate assets in the real estate market.  Big giant.  The bank in Kowloon is small, and Li Xuechu doesn¡¯t want to delay his big business for a small profit, so he moves quickly, while Hutchison Wong¡¯s actions are relatively slow.  Every word and deed of the real estate tycoon is noticed by everyone in Hong Kong, making it inconvenient to do things.  At this time, a large amount of real estate will be put into the market. I am afraid that the real estate prices will plummet immediately. The best choice is to quietly find someone to take over.  Hutchison Whampoa is still majority controlled by British people. Li Chaoren cannot direct the company in the general direction. But judging from the situation, Li Chaoren wants to find someone to take over as soon as possible. The current slow motion does not suit him.  "What a great guy." Li Xuechu could only admire him, but if he wanted to be his successor, he would be reluctant to thank him.  With the two major countries wooing the wealthy circles, all the wealthy families in Hong Kong must have heard the attitudes of both sides, but some have listened and others have not.  Falklands victory handicapPeople have relived the glory of a great country, and many wealthy people seem not to take the negotiations two months later seriously, and their confidence in the British side is extremely high. ?¡­ ?I called him when I wanted to call, and the old British man on the other end of the phone was very enthusiastic, and the two of them directly made an appointment for an interview tomorrow.  "Mr. Bowman." "Oh, Li!" He spoke in unfamiliar Xiangjiang dialect. It seems that there are quite a few foreigners here who can speak Xiangjiang dialect.  An old white man in his early fifties stood up enthusiastically and shook his hand vigorously.  "Li Sheng came to see me, what are you doing?" He couldn't help but burst into tears, he is a 'China expert' again?  They act like people from the Republic of China.  , judging from what he said before, this is probably the person Yoder said was interested in him.  But it¡¯s easier to do things this way.  "That's right, Mr. Bowman, I'm here to get a loan from your bank." "Oh, Mr. Li, are you also short of money? Your company's profits are the envy of everyone in Xiangjiang." "Haha.  Haha, who would complain about having little money? It¡¯s not a problem to have money sitting idle in the bank. Now that real estate is booming, I plan to invest money in it, but this small amount of money doesn¡¯t have much weight now, so I want to borrow more.¡± ¡°Modestly.  I have to be modest. If more than 2 billion is a small amount of money, there won¡¯t be many rich people in Xiangjiang.¡± Damn it, I was still found after hiding it.  The boss was immediately reported, and Li Xuechu was slightly depressed.  There is no way to hide the money gained from industry.  "Compared with your Excellency's Standard Chartered, my little money is nothing, hahaha. I still have to rely on you." "Hahaha, Standard Chartered is not mine. And the money in it is also the client's." Bowman  The old man smiled.  "Okay, let's get to the point first. Mr. Li, how much do you want to borrow?" "Two billion, with Oriental DreamWorks as collateral." Li Xuechu also got straight to the point: "Mr. Bowman should know that I can afford it, and Oriental DreamWorks  The profitability in the past two years has been top-notch, and it is definitely worth the price. "No, no, no, Oriental DreamWorks is not worth the price. You have to borrow two billion unless you come up with other things." Bowman refused.  "Mr. Bowman, do you know my company's profit situation in the past year?" "I have heard about it. Mr. Li, you are amazing." Bowman praised him with a smile.  "In the past year, Oriental DreamWorks' profit has been close to this figure." Li Xuechu was slightly dissatisfied: "A company with a yearly profitability of 2 billion is not worth 2 billion in the eyes of Mr. Bowman?" "  Mr. Li, this is not how banks judge company assets. Mr. Li, aren¡¯t you also in the banking industry?¡± Bowman was unmoved: ¡°We are more concerned about fixed assets. What does Oriental DreamWorks have?  The company can be settled as fixed assets, and even the company's premises are rented. No bank will offer two billion for this." "Mr. Bowman, don't you think that patents and cultural property rights are worthless?  ? This is not what British people who value patents and cultural property should think about. "No, as you said, I also think it is important, and this is what I admire most about you. But these are timely.  Yes, your company's profits are gradually decreasing during this period, am I right?" "Haha. This is temporary." "Oh, I don't think so." Li Xuechu secretly hates it.  Transformers are done.  As expected, the quality is good.  Rely on local advantages and extensive publicity.  There is a strong tendency to catch up from behind.  Fortunately, I am an ¡®original¡¯ one and I entered it early.  Although the market has been squeezed, it can still hold its own.  The biggest blow was the 'King Kong Combo'. This 'big killer' that I tried every possible means to hide could not be concealed from the other party during the negotiation. The professional team composed of professionals, patent experts and negotiators had almost no blind spots, and I did not dare to.  If you don¡¯t apply for a patent, you might be snatched away by others first, and you will have fulfilled what Hasfield said.  "Perhaps we will meet again." I don't want to ask others for patent authorization. I just made things difficult for them and then asked to come to them. Not to mention, it would be embarrassing, and the ending would not be optimistic.  But fortunately, the profit-seeking Americans will not try to cut prices to suppress the other party. After all, the production cost of the United States is higher than that of Xiangjiang.  The two parties also tacitly maintained some rules of the game in the competition. The other party helped itself to share the strong calls for price cuts from various places, and the pressure was reduced a lot.  "Even so, I still insist that my company is worth two billion. Mr. Bowman, our company's movies also have considerable profitability." "I have already taken this into account."?This makes Li Xuechu feel helpless, don't you admire me very much?  Why don't you show it in some practical way?  Of course, this is angry talk.  Li Xuechu didn't expect the other party's sudden drop in IQ.  "Mr. Li, you can include the bank shares you have on hand, so that we can consider providing a loan of 2 billion." Are you still interested in the bank?  "Unfortunately, I don't plan to use this as collateral." Li Xuechu shook his head in rejection.  "It's just a mortgage. You can get it back after you repay the money. Doesn't Mr. Li have confidence in his project?" "This is a matter of principle." Li Xuechu is full of confidence in profitability. The butterfly effect cannot change the national situation.  If you lose, you have to lose. The post-1997 generation has to leave no matter how unhappy it is.  "But if you put the bank in, the old man will have to chop himself into pieces."  I can¡¯t develop the habit of regular ¡®stud¡¯ either. Who knows at what point the change will occur?  What if I went back to the pre-liberation period one night and I wouldn¡¯t even have a place to cry?  "That's a pity. I can only promise one billion." Old Man Bowman shrugged and said with regret: "Mr. Li, I think you are still a little too conservative." Li Xuechu did not change his mind just because of a word.  He smiled and said: "Aren't you also very conservative? A company with an annual profit of nearly 2 billion can actually borrow less than 2 billion. This is not a suitable approach." "The reason I have said before, this is also a pity, I don't  I'll change my mind." Stubborn as a stone.  "Mr. Bowman, can you let me think about it for two more days?" It seems that nothing has changed.  "This kind of thing really needs to be considered. Mr. Li should also consider my opinion." The old white man smiled and expressed his understanding.  Li Xuechu said goodbye and left.  Before leaving, I secretly expected the old white man to be possessed by the owner of the clothing store, and added one last sentence.  "Hey, come back, come back, forget it. I'm really afraid of you. Two billion is just two billion. If I switch to another bank, it won't be such a good thing." It's a pity that I didn't get it.  Back in the car, Li Xuechu was very dissatisfied.  "A company with such a good profit can't borrow 2 billion, the store is cheating customers." But there is an alternative, let's look at it again: "Uncle Ming, let's go to HSBC." In fact, this was also my motivation for coming this time.  Impure, the Hong Kong dollar exchange rate will fall next year, and the one-year loan will not be worth as much as it is now when the one-year loan is taken back next year, plus interest.  Although it¡¯s a trick, I still won¡¯t be happy if the trick is less.  (To be continued, please search Piaotian Literature, the novels are better and updated faster! PS: The subscription is quite bleak, please subscribe and collect.?¡­
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