Chapter 1243 HSBC’s Support

What is this handsome young man who is so generous and generous, who values ​​love and justice, doing now?

He is crying poor.

right.

You read that right.

Yin Jun is crying about poverty.

The person crying about poverty is Xiangjiang's God of Wealth - Shen Bi, the senior manager of HSBC Bank.

In Shen Bi's office, Qilin TV is currently tuned.

Looking at the bustle of Xiangjiang Commercial Bank, and then looking at Yin Jun who had a bitter look on his face in front of him, no matter how old-fashioned and serious Shen Bi's character was, he couldn't help but laugh.

"Mr. Yin, there is something wrong with you." Shen Bi said funny, "You just so boldly spent 5.5 billion Hong Kong dollars on the Hong Kong Commercial Bank, but in the blink of an eye you came to me to cry for help and ask for support... You said that if the people in Xiangjiang who admire you know about this, what will they think?"

"You can't say that, Taipan." Yin Jun replied seriously: "Don't heroes deserve to eat? Heroes can't do business? Heroes can't take loans? It's one thing for me to return favors to Uncle Han, but I also have actual needs for the loan. There is not much conflict between the two aspects."

"Speaking of this, what do you think?" Shen Bi asked with interest, "You have 6 billion Hong Kong dollars, you can obviously borrow less. Now, you need to borrow another 20 billion Hong Kong dollars from me. Billion US dollars, do you know how many people in Hong Kong want to get a loan from HSBC? Not to mention 2 billion US dollars, even if it is 20 million US dollars, there are countless people coming to beg me!"

"I've told you, Taipan, it's different." Yin Jun was more serious this time, "After I came to Xiangjiang, I took out a loan for the first time. I didn't know that I had the book of ten TV series, so I wanted to get it from the bank. A loan of 30 million yuan. Thinking about it now, I feel that I was too naive. But my naive idea actually came true! Uncle Han admired me as a person and not only gave me a loan, but also gave me more loans. 20000000!

It was his 50 million Hong Kong dollars that allowed me to slowly start doing business, and I later laid the foundation. This kindness is much more important than the loans and business cooperation he gave me later! It can be said that without his initial basin of water, there would be no Yin Jun today.

So I keep the sentiment in my heart and hope that when I have the opportunity in the future, I can help him as well, just like he helped me! You don't know, when he called me a few days ago, the exhaustion and despair in his words really shocked me! I know that Uncle Han will not be so humble and ask for help from a junior like me unless it is absolutely necessary.

Everyone says that I am smart, but my intelligence comes from my parents and has nothing to do with me. What belongs to me is my own way of life. I'm actually very conservative and old-fashioned. I don't like to hold grudges, but I know that it would be unkind to not repay kindness. It was Uncle Han who gave me so much help, and I am what I am today, so I must help him!

But how to help? I checked the current situation of Xiangjiang Commercial Bank and found that it is really not good. Originally, they made some mistakes in their investment and lending, and then they were slandered by rumors, and there was a serious run. They really couldn't support it anymore. If there is no big support, I am afraid they will declare bankruptcy in a few days.

The question then arises, how much is enough? At the beginning, I thought of giving 200 million a day, and 2 billion in total would be enough. But then I think about it, the money is enough, but it is only enough for them to tide over the difficulties temporarily. In the next few years, Xiangjiang Bank will have a difficult time. It will be very uncomfortable if Xiangjiang Commercial Bank is half-dead.

So, I thought about it, isn’t there an old saying in China? Help people to the end and send Buddha to the West. Since I want to repay Uncle Han, I might as well do it more thoroughly, not only to help them survive this difficulty, but also to give them enough capital to develop and grow vigorously in these two years of chaos. Never be so vulnerable again. "

Yin Jun's words were very long and very slow.

Shen Bi listened very carefully and was not impatient at all.

After hearing this, Shen Bi had no expression on his face, but his heart was full of thoughts.

Later generations have a lot of evaluations of Shen Bi, but they are generally the same.

He has the typical qualities of a Scottish man: stubborn, stingy, old-fashioned, greedy, irritable... etc., but he also has very excellent qualities, that is, quick thinking, strong ability to do things, foresight, accurate judgment of people, and unwavering .

In his previous life, he valued Li Chaoren and always helped him steadfastly. He even personally came to help Li Chaoren develop. He never wavered.

Of course, Li Chaoren also gave him the most generous reward - becoming the richest man in China!

It can be said that half of this is due to Shen Bi. He is proud to have cultivated such a richest Chinese man.

Now Shen Bi is still optimistic about Li Chaoren, but the person he is most optimistic about has become Yin Jun.

no way.

In terms of talent and beauty, even Shen Bi has never seen anyone like Yin Jun. He is sure that there is no other person in the world. A genius like Yin Jun has no jealousy towards him. of.

In addition, through cooperation and observation in the past few years, Shen Bi also recognized that Yin Jun also possessed the excellent qualities of Li Chaoren, or it can be said that they are qualities commonly shared by Chinese businessmen, so Shen Bi was most optimistic about Yin Jun.

In the past, Shen Bi thought that Li Chaoren could replace the Charter King and Mr. Huo and become the richest man in Hong Kong.

But it's different now. He feels that Yin Jun will definitely become the richest man in the world in twenty years!

Shen Bi felt excited when he thought that the world's richest man was trained by himself.

With such high expectations, Shen Bi didn't think there was anything wrong even if Yin Jun got too close to Mainland China.

After all, he is a businessman, not a politician.

A businessman's goal is to make business profits and not worry about much else.

This time, Yin Jun communicated with Shen Bi months in advance, saying that he might need a loan of about US$1 billion by the end of 1982.

At that time, Yin Jun and Shen Bi analyzed their views on Xiangjiang real estate. At that time, Shen Bi felt that Yin Jun thought too much, but as a young man, he lacked confidence in the future.

As a result, Shen Bi now discovered that what Yin Jun thought was gradually becoming reality.

This vision of the future alone made Shen Bi want to invest in him.

Not to mention that now, Yin Jun actually spent almost all of his cash flow for a favor. Such a mind and courage are completely beyond the reach of ordinary people.

Anyone who can do it is definitely a genius and a person who will be truly successful in the future.

However, the US$2 billion that Yin Jun wanted to borrow was still too much.

It’s not that HSBC doesn’t have the money.

Yin Jun didn't have that much net worth before, and when the Kirin Group was still slowly getting started, HSBC dared to lend Yin Jun even US$3.2 billion.

Now that the size of Kirin Group has more than doubled, and its profitability is even better than before, HSBC is certainly willing to lend money to such high-quality customers.

The problem is that HSBC has been under a lot of pressure recently. Governor Youde has talked to Shen Bi many times, saying that he wants HSBC to come out to stabilize the situation, provide loans or provide guarantees, and suppress the shocking waves under the water. break out.

Shen Bi also agreed.

A Hong Kong with a stable financial market is in the best interest of HSBC.

Moreover, this is not without rewards. The Xiangjiang government has agreed to many preferential conditions. In the future, HSBC will have a greater say in the financial market.

Tens of billions of dollars in funds needed to be prepared for this plan, and Yin Jun's loan of 2 billion dollars seemed a bit too much, and he couldn't get it out for a while.

However, there are always more solutions than difficulties.

The difference is whether you are willing to think of ways for others.

Of course Shen Bi is willing to find a way for Yin Jun.

As long as you see how Yin Jun treats Chen Youhan today, you will know how he will treat Shen Bi in the future.

No matter how good HSBC is, it is not Shen Bi's own.

After Shen Bi retires in the future, wouldn't it be good to have such a rich man in the world to help him?

After thinking about this, Shen Bi smiled and said, "It is impossible to lend you 2 billion US dollars in one go. HSBC is not the Federal Reserve of the United States. But I can promise you that when you need money, HSBC can provide you with a financial guarantee, so that should be fine, right?”

Yin Jun was stunned, "Mr. Taipan, what is the quota?"

"Since Chen Youhan is so generous to you, I won't be stingy either." Shen Bi said thoughtfully, "The total amount should be 3 billion US dollars!"

"Really!?" Yin Jun revealed his surprise and couldn't believe it.

"Nonsense, why should I tell you lies?" Shen Bi said, "But I have two requests."

"Say it!" Yin Jun raised his hand and said.

"First point, if you want to make any acquisition or purchase plan, you must inform HSBC in advance. We still need to review the procedures."

"no problem!"

"Don't worry, as long as it is a normal acquisition, there will be no obstacles." Shen Bi said something to make Yin Jun feel relieved, "Then the second point is, it is best for each acquisition not to exceed 300 million US dollars. If it exceeds 500 million U.S. dollars, it will be a bit difficult to deal with! When the time comes, you will have to figure out the solution yourself."

"I understand." Yin Jun thought about it for a moment, and figured out that around HKD 2-3.5 billion would be enough.

If not, Goldman Sachs in the United States can help get the money, but the conditions are harsher at most.

"Okay! I agreed to this matter." Shen Bi was also happy, "You can start preparations when you go back. Remember, what I hope to get is a well-planned plan, not a hot-headed investment or acquisition ."

"Don't worry, Mr. Taipan, I won't give money to others indiscriminately." Yin Jun said with a smile, "I will also find an accounting company to calculate the assets accounting sheet of Qilin Group and get it to HSBC for filing in advance. "

Loans require collateral, even if Shen Bi doesn't need much, but Yin Jun must be prepared.

Otherwise Shen Bi would be difficult to handle and would be easily embarrassed by others.

Hearing Yin Jun's insight, Shen Bi smiled unconsciously, "Well, I'm really looking forward to it. What height will you reach in three years? In other words, Jun, who is omnipotent and never fails. Young Master, will you make a mistake and suffer a disastrous failure?"

"You won't see the day I fail." Yin Jun said calmly but confidently.

"Hopefully!"

Shen Bi smiled again.

A businessman full of self-confidence is the businessman who is least likely to be defeated.

Before, he was worried that Yin Jun would be successful as a young man and would be devastated if he encountered failure. However, seeing that Yin Jun was so steady and methodical in doing things, of course he could not be defeated so easily.

It is a very pleasant thing for both HSBC and Shen Bi to cooperate with such people.

Now he just waits and sees.

Let's wait and see whether Yin Jun will be a dragon soaring and a tiger leaping, or a dragon swimming in shallow water!

As far as Shen Bi himself is concerned, what he hopes to see is the former.