Chapter 100 The Star of Chinese Bank (Eighth!)

The bank is actually our ticket bank, that is, the bank, the bank.

If the budding capital of our country was not interrupted many times, the most powerful bank in the world should be ours.

However, even under such difficult circumstances, after wandering overseas, the Chinese wanderers still established many well-known Chinese banks.

Pangu Bank is one of them, the most famous one, and the most well-known one.

The founder of Pangu Bank is called Chen Bicheng. He is an ordinary Chinese child born in Thailand. After returning to China to study for a period of time, he returned to Thailand and started from scratch. Through a series of efforts and opportunities, Pangu Bank finally became a company in the 1960s. The number one bank in Thailand.

After another 10 years, Pangu Bank is already one of the largest banks in Asia.

Although it is not as well-funded and well-connected as HSBC on a global scale, nor is it comparable to Standard Chartered Bank, let alone banks like Citi and Credit Suisse, but in Asia, in the Chinese circle, Pangu Bank is the First Bank.

In Southeast Asian countries, including Hong Kong and Taiwan, more than 60% of the rich and wealthy have been supported by Pangu Bank at the beginning of their business. And in a series of commercial activities, Pangu Bank is relied on to realize the turnover of cash flow.

Then, after they became prosperous and strong, they handed over their capital business to Pangu Bank to take care of it, which is also a kind of reward.

After the sea accepted all rivers, Pangu Bank continued to grow stronger. Before Chen Bicheng passed away, it was a signboard among the Chinese, and it was a guarantee.

Through the relationship of Pangu Bank, everyone communicated with each other, helped and supported each other, and went to fight with external capital together, and gradually formed a huge alliance of Chinese businessmen.

This is also one of the most important reasons why, starting in the 1970s and 1980s, the richest people in Southeast Asian countries and regions have basically become Chinese.

Such an alliance gradually disintegrated after Chen Bicheng passed away due to various differences in the future, as well as the constraints of various countries' policies, policies and other factors, and the loss of spiritual leaders, so that future generations are unlikely to know about it. The prestige of Pangu Bank.

But Yin Jun knew it.

He not only knows the history of Chen Bicheng's prestige, but also knows that the branch of Pangu Bank, Heung Kong Commercial Bank, is actually continuing the purpose of Pangu Bank in Hong Kong.

The purpose of Pangu Bank is to try our best to help Chinese businessmen so that they can develop better.

Heung Kong Commercial Bank was established in the 1950s. During this period, many Chinese businessmen received their favor. However, because there are too many financial institutions in Heung Kong, Chaoshan and Lingbo Gang are good at holding groups, so this comes from Commercial banks in Thailand have not been given much room to exert their hands and feet.

Even the chairman of the board of directors of Heung Kong Commercial Bank, Chen Youqing, is the eldest son of Chen Bicheng, but he is not the ideal successor of Chen Bicheng, nor has he received much support from Pangu Bank.

In the end, Chen Bicheng handed over his property, namely Pangu Bank, to his second son, Chen Youhan, because Chen Youhan had stronger abilities, and with the idea of ​​​​being the best, Chen Bicheng naturally left the best property to the best son. .

Chen Youqing is actually not stupid, but he is relatively honest and honest, and his business skills are not enough. Chen Bizcheng prepared the Hong Kong Commercial Bank for him, so that he can live a stable life in the international financial district of Hong Kong - anyway, backed by the mainland. The market in Hong Kong, how can Hong Kong's financial industry afford to eat, and will not let the eldest son live in poverty.

Facts have proved that Chen Bicheng's arrangement is very correct. Chen Youqing is very diligent and diligent in his work. When he returned, his property was as high as 8 billion Hong Kong dollars, ranking among the top 50 richest people in Hong Kong.

The evaluation of Chen Youqing is also very high in later generations. It is very reassuring to do business with him. You will not share your investment, and you will not be forced to sell things to pay off your debts when you are embarrassed. He has always maintained his father Chen Bicheng. The mentality of being friendly and helpful to the Chinese.

This is also the reason why there are more than 300 banks and financial branches in Heungkong, but this little-known Heungkong Commercial Bank has been able to operate steadily and survive very well.

The financial support that Yin Jun wanted to seek was the idea of ​​Xiangjiang Commercial Bank.

Two days ago, he asked Liang Shuyi to call Xiangjiang Commercial Bank and make an appointment for Chen Youqing's meeting.

Jia Shi's settlement bank is not Heung Kong Commercial Bank, but because Liang Shuyi has a very wide network of contacts and has a little friendship with Chen Youqing, the appointment went very smoothly.

Hearing that Yin Jun, the now very prosperous "Xiangjiang No. 1 screenwriter", wanted to discuss things with himself, Chen Youqing was also very interested and specially reserved 2 hours for him.

At 8:50 in the morning, Yin Jun entered the headquarters of Heung Kong Commercial Bank in Central 10 minutes earlier than the scheduled time.

Thanks to Chen Bicheng's financial support, Heung Kong Commercial Bank bought a piece of land in Central from the very beginning, and in the 1950s built a 12-storey headquarters building, all for its own use.

Chen Youqing's office was on the top floor. After verifying Yin Jun's identity, the secretary took him to Chen Youqing's office by elevator.

Chen Youqing was feeding his birds on the balcony of the office. Hearing that Yin Jun had arrived, he asked the secretary to bring him in quickly.

When he entered the office, what Yin Jun saw was not a business elite in a neat suit, but a middle-aged man in his forties wearing a simple red and black Tang suit.

"Yin Sheng, it's really a hero!" Chen Youqing came over with a smile, and after shaking hands with Yin Jun, they sat on the opposite side of the sofa, "I was still in middle school in Xiangjiang when you were so old, and it was only from Hua's family. Money, how can you be so amazing?"

"Dong Chen, you are wrong." Yin Jun said in a harmonious voice: "There are no people who are born to know it. I also have good luck and good luck, and I have the current success. This kind of success, and Chen Dong go step by step. Come here, compared to the steady and steady success, that is not worth mentioning.”

Chen Youqing smiled, "Just based on this sentence, I don't think you are relying on luck, Yin Sheng. It's just that I don't know how I can help you."

"Have!"

Yin Jun took out two stacks of documents from his backpack, one stack was only a few sheets of paper thick, while the other stack seemed to have at least a thousand sheets.

"The first one is the contract for "Wulin Biography" signed by Jiashi and I. The second one is the script for another ten TV dramas I wrote in the last six months." Yin Jun put it in front of him, "If I say, these ten None of the scripts is worse than "Bao Qingtian" or "Wulin Biography", I wonder if Chen Dong can believe it?"

Chen Youqing first looked at the contract between Yin Jun and Jiashi. He knew that Yin Jun had two meanings, one was to prove his identity, and the other was to be a basis for the next business negotiation, or a reference.

Then, Chen Youqing watched the ten scripts that Yin Jun said.

The name of the first script is called "The Legend of the New White Lady".

Chen Youqing didn't read it, but turned to the middle, and found a script called "Benevolent Hands" and started to read it.

The script of "Benevolent Hands" is not much, only more than 80 pages. Chen Youqing read a few pages before putting it down. After drinking a sip of tea, he read it again slowly.

This is more than 40 minutes.

After reading and putting it down, Chen Youqing closed his eyes, pondered for a while, then nodded and opened his eyes.

"This story is not bad." Chen Youqing laughed, "Although I am not familiar with the medical profession, but if I bring it into the script, I have a lot of heart to explore, and I want to see the difference between the doctor and the patient. What amazing experiences and stories can happen."

After a pause, Chen Youqing said again: "I'm not sure if it can be compared to "Bao Qingtian" and "Wulin Biography", I only like to watch "Bao Qingtian", but I can't understand my children. , The most important thing every day is to wait for "Wulin Gaiden" to start broadcasting. In TV dramas, you are the authority, I am not."

Yin Jun nodded and said: "I need 30 million funds for ten scripts. I can accept a higher interest rate. I wonder if Chen Dong can do this business."

According to the contract signed by Yin Jun and Jiashi, one of his scripts is worth 8 million.

Now all Xiangjiang knows that Yin Jun is running the money printing machine when he writes the script, making a lot of money.

"Since your script is so popular, why don't you just sell it?" Chen Youqing asked curiously: "Wireless, Li's and Jiashi, it shouldn't be difficult for the three TV stations to eat 10 scripts, right?"

"If good works are squandered so quickly, I'd be too sorry for them." Yin Jun said, "In my opinion, one or two of the scripts in this are released a year, which is enough for the audience to watch them with great interest."

Chen Youqing burst into laughter.

It was also the first time he saw a screenwriter as confident and proud as Eun Joon.

But Yin Jun is definitely not exaggerating. With the success of "Bao Qingtian" and "Wulin Biography", he has the capital to say this.

In the current Xiangjiang TV industry, Yin Jun said that he was second in writing the script, and no one dared to say that he was the first.

Two super-popular TV dramas, with high ratings between 60% and 80%, have long proven his status as a screenwriter.

Chen Youqing didn't know, but Yin Jun actually had hundreds of scripts in his hands.

There are even several good scripts that are ready to be sold in the past two or three months.

For example, "Chu Liuxiang", for example, "Shanghai.Beach".

It is no exaggeration to say that these two TV series are no worse than "Bao Qingtian" and "Wulin Biography". Be tougher.

"Chu Liuxiang" opened the era of godlike Xiangshuai, and "Shanghai. Hai. Beach" also opened the era of gang fights and grievances and hatreds, all of which are of great significance.

It's just that, in the history of the previous life, "Chu Liuxiang" will be produced and broadcasted next year, and "Shanghai. Hai. Beach" will also be produced and broadcasted the year after. Yin Jun makes this investment, and it is impossible to end it in a year or two. , so it is impossible for him to mortgage the script that will be sold soon.

Otherwise, your script will still be mortgaged here, and you will sell it when you sell it, and you will receive money from two places for one script. Is this appropriate?

Therefore, most of what Yin Jun came up with are classic dramas from the 1990s, and some dramas from 2000 onwards, so that he can guarantee that he will not use these scripts within three to five years, and it is also a safe mortgage.

As for the real reason why they didn't sell it to three TV stations to raise money, it was because Yin Jun was unwilling to let TVB continue to be strong, and the two TV stations, Lidi and Jiashi, couldn't eat the script worth 50 million yuan for a while, and Yin Jun now The only thing missing is time, so there is only one way to go with a mortgage.

Otherwise, according to Yin Jun's habit, he doesn't like dealing with banks.

"Heung Kong Commercial Bank is a joint-stock company, and our Chen family is the largest shareholder." Chen Youqing said calmly, "If you want to come to Yin Sheng, you know that our Chen family has always been willing to help Chinese businessmen who are just starting out. Although no one has ever used it before. The script has been mortgaged, but I think this is also a new model, so we can try to cooperate."

Yin Jun was overjoyed.

Chen Youqing is indeed as kind as the legend.

"Yin Sheng said just now that you want a loan of 30 million, right?" Chen Youqing raised his head and asked Yin Jun.

"Yes."

"Is 30 million enough?"

"Uh!?"

Yin Jun suspected that he had heard it wrong.

He originally thought that Chen Youqing was going to cut some off. After all, a loan of 30 million is not a trivial matter. If you can't say that your script is worth 80 million, I can give you 30 million.

The general rule of the mortgage loan is to add a 30% discount on the basis of 70% of the valuation.

For example, if your land is worth 100 million yuan, and you get a bank for a mortgage loan, then they will only give you a valuation of 70 million yuan, and on the basis of this valuation, the bank will only lend you 70% of the share. That is to say, if the land of 100 million is finally taken out, you can only get 49 million at most.

This is still a polite bank, otherwise 30 million can be loaned to you, which is a normal thing.

According to this ratio, Yin Jun took 10 scripts, and finally only loaned 30 million.

Unexpectedly, Chen Youqing actually asked if it was enough! ?

"If Yin Sheng is short of money, it's not necessarily just a loan of 30 million." Chen Youqing smiled, "If you need it, Hong Kong Commercial Bank can lend you more."

Hearing this, Yin Jun's palms felt a little numb.

It was the first time he had seen such a generous person.

If the Chen family had the best credit, and the development in the next few decades also told Yin Jun that Chen Youhan was not that kind of treacherous businessman, Yin Jun would have felt sure that Chen Youhan had some conspiracy.

After pondering for a moment, Yin Jun nodded: "If it's convenient for Chen Dong, I don't know if 50 million will work?"

"it is good!"

Chen Youhan thought about it for a while, then nodded.

Looking at his appearance, borrowing 50 million to go out is equivalent to borrowing 500 yuan.

Yin Jun really admired Chen Youhan's bearing and Chen Bicheng's education.

Only people from such a family can get the rewards of the success of the Chinese businessmen!

Although it is possible that the money they loaned out will not be recovered due to various reasons, but because the people they lend to help are Chinese, who have always believed in the concept of "faithfulness first", most of the investment, It has been rewarded handsomely, and it has grown from there.

If the money was lent to these natives in Southeast Asia, not to mention that the mortgage was not enough, or that the mortgage was enough, I am afraid most of it would be lost.

The Chinese are different. In ancient times, when our merchants were doing business, there was no loan agreement at all. They all said with one mouth, and then they tried their best to fulfill their promises. It could not be swallowed directly. Other people's things, those things that will make their children and grandchildren unable to lift their heads, can't do it!

The upbringing of the ancient Chinese people was quite strict. Everyone's education received from childhood is always engraved in their hearts, and they don't forget what they have learned. Anyway, they are useless.

Jinxi is poor and white, why has Shanxi merchants been rampant in the world since the Ming Dynasty?

Is it not because of a letter?

They can be kidnapped, robbed, or framed, but as long as it is what they promised, they will do it even if they go bankrupt.

The merchants of China, not to mention the prosperous times, did so, even in the turbulent Qing Dynasty.

Before the Qing Dynasty was about to collapse, everyone was hyping up rubber on the beach, which led to the collapse of the state's finances and the collapse of dozens of large and small private businesses.

Among them, there is a silver number. After it went bankrupt, it sold all the property in its hometown, rented a small shop in Jinwei and Huajing, and collected the silver bills issued by its own silver number until the people. . China is still doing this thing.

Why are people doing this?

Isn't it just because of the faith in my heart that I can't pass this test, so I have to do it all the time when I go bankrupt?

This has to be changed to today, not to mention Chinese people, even Americans who have always advertised themselves as "abiding by the law", that is, I don't care who you are after the bankruptcy.

Whoever wants to do such a thing, the first reaction of the social atmosphere is definitely not to say "this person is loyal and has the demeanor of the ancients", but will definitely say "look, I don't know how much money he cheated, and now he has come to atone for his sins"— - It is a social reality that people are very helpless to think that people are willing to think about evil instead of good.

For another example, the Qiao family in "Qiao's Courtyard" was so prosperous and prosperous, how did it go bankrupt in the end?

It's not because they are determined not to do Yan Xishan's business of "replacing old tickets with new tickets" and "replacing old tickets with new ones." Come and do it, under such a thousandfold shrinkage of wealth, is it forced to decline to obscurity?

The Chen family does business with those Chinese businessmen, which is a bit like doing business in ancient times. Everything is done by heart, and mutual trust is the biggest bridge.

In Yin Jun's thinking, Chen Youhan said again: "50 million loan, temporarily borrowed for 3 years, can be renewed through negotiation at maturity, the annual interest is 5%, Yin Sheng has no opinion?"

"Thank you Chen Dong!"

What else can Yin Jun say?

This year's average preferential loan interest rate in Xiangjiang is 6.68%. This interest rate of Chen Youhan is already a very low level in the industry, and the loan term is very ideal. If you are not satisfied, you will be greedy and insufficient.

"Complete the formalities today, and the money will go to your account tomorrow." Chen Youhan stood up and stretched out his hand: "Yin Sheng, then I wish us a happy cooperation, and I wish you great success!"

"thanks!"

When shaking hands, Yin Jun said sincerely.

Encountering such timely rain, after you have developed in the future, if you want to help the Chen family, you will be sorry for your conscience!