Chapter 1540 Whether It’s Good or Bad to Borrow Money Depends on Who It Is

There is no absolute fairness in this world.

Especially in business.

After classmate Yu Zhu failed in the Giant Group, he lurked for several years and then came out. Countless business leaders helped him and promoted him. Only then did he make a comeback in a short time and once again achieved great success.

There is also Mr. Chu from Caiyun Cigarette Factory. After being imprisoned, he came out in his 70s and started his own business again with no money. Within 10 years, he became rich. Didn’t this also rely on the help of his previous friends?

If you were another person, an ordinary person, do you think you could let a big boss hold millions in his hands and say to you, "Old man, use this money to start a business? You will pay it back after you make money. Worried?"

The personal connections between rich people and their circle of friends provide opportunities that ordinary people cannot achieve in their lifetime.

After they fail, as long as they seize an opportunity, they can regain huge wealth.

So, usually, rich people get richer and poor people get poorer.

The same is true for Yin Jun now borrowing money.

As long as Yin Jun goes out and yells "I want to borrow money," managers from at least 100 banks will rush over with contracts in hand and ask Yin Jun to sign the loan contract.

As long as Yin Jun wants it, a bank will lend him 1 billion US dollars, or even 2 billion US dollars, without blinking an eye.

And don’t think that the interest rate will be very high, it is only 7% at most, and it is not impossible to drop to 5%.

Seems a bit exaggerated, right?

It is extremely difficult for poor people to borrow 200,000 yuan to buy a house, and the loan interest rate will still be around 15%.

But Yin Jun wanted to borrow 2 billion U.S. dollars, but the interest rate was only 7% at most. If he said it was too high, the bank would immediately lower it by a few percentage points.

One percentage point is tens of millions of dollars in interest!

Why is it so easy for Yin Jun to get a loan?

The reason is simple, because Yin Jun has enough capital.

Never think that bankers are good people. On the contrary, under the constraints of the law, they are one of the most vicious and cruel people.

In ancient times, many people were bankrupted by loan sharks, and the same is true in modern times. Countless small and medium-sized enterprises have been crushed by banks' high interest rates.

The reason why they are willing to lend money to Yin Jun is of course that the assets in Yin Jun's hands are very high-quality assets with great potential.

If Yin Jun cannot afford to pay back, and of course they hope that Yin Jun cannot afford to pay back, then the many assets of the Kirin Group with amazing growth potential will become the property of their banks.

At that time, whether you run it yourself or sell it to others, you can make a lot of money.

Even if Yin Jun is lucky and does not go bankrupt, then lending money to Yin Jun will still have interest.

Even though the interest rate is generally low, Yin Jun's loan is worth billions of dollars. How many small and medium-sized enterprises and how many personal loan customers do they have to find before they can lend this money out?

Banks also rely on loan interest to make profits.

Yin Jun lends money to interest, and they earn loan interest. This is also a good thing!

Look!

Regardless of whether Yin Jun succeeds or fails, bankers can benefit. Do you think they are willing to lend Yin Jun money?

The young man naturally understood this.

But he didn't think there was anything wrong with this.

Living in this world, you will encounter monsters and monsters. If you hope that the people you meet are good people...then my child, this world is really not suitable for you.

The banker has his own ideas, and Yin Jun certainly has a way to deal with them.

It is definitely risky to make money by borrowing other people's money.

If the risk cannot be controlled to a certain level, Yin Jun will never borrow money.

But how could a young man with a memory of 40 years misjudge the opportunity?

As long as he seizes those once-in-a-lifetime opportunities, the money in Yin Jun's hand will no longer be a debt, but an important help to help him make a fortune and achieve a career!

The more you borrow, the more you will naturally earn.

You are right to think so, but in the specific operation process, Yin Jun still has to be careful.

First of all, choosing which bank to borrow money from is a question.

HSBC still has a credit limit of US$1.5 billion, but it can be fully used this time.

After helping stabilize the Hong Kong dollar exchange rate, Shen Bi greatly appreciated Yin Jun's boldness and keen observation.

HSBC, which is responsible for issuing banknotes, also accepted Yin Jun's favor, so the remaining 1.5 billion US dollars can be taken out in one go without having to borrow money in several installments.

Yin Jun, the second largest bank in Hong Kong, was unwilling to go to Standard Chartered Bank, let alone Hong Kong Commercial Bank. None of them had survived the crisis. Loans from such a local HSBC bank were enough.

Mitsubishi Financial Group in Japan came to Yin Jun to discuss the possibility of cooperation, but Yin Jun still did not consider them.

The Japanese are rich, and Mitsubishi Financial Group is even richer. The second-largest Sumitomo Bank and the third-largest Mitsui Banking Corporation merged into one company, but they still only ranked second. You can imagine how powerful they are.

But Yin Jun has already borrowed 1.6 billion from Mitsui Banking Corporation and 2.5 billion from Sumitomo Bank. If he borrows another one to two billion US dollars, his debt in Japan will be almost 6 billion US dollars.

Although Yin Junneng can still play, this is also a very dangerous number.

Even if it is a loan, it should be spread out, otherwise these creditors will join together and it will be detrimental to Yin Jun.

So Yin Jun placed the loan target on a bank in South Korea.

Among the five largest banks in South Korea, Busan Bank ranks fourth. It is not the largest, but its assets exceed 10 billion U.S. dollars and the assets it manages exceed 100 billion U.S. dollars.

When Busan Bank provided loans to Henderson Land some time ago, Yin Jun had a meal with their chairman. The signal they sent out was very positive, and a loan of US$1 billion was no problem.

After all, in the 1980s, it was not just Japan that took off economically in Asia. South Korea was not much worse than Japan.

At this time, consortiums abound in South Korea, unlike in 2020, when only three or four consortiums were left supporting the scene.

One billion US dollars is certainly not enough.

Yin Jun's next partner is Singapore's Development Bank, referred to as DBS Bank.

This is the largest commercial bank in Singapore that claims to be the only one in Asia that can compete with HSBC and even surpass HSBC in terms of respectability index. It is certainly strong.

Among the four Asian Tigers, as of 2020, only Singapore is the one that can best maintain its successful results.

Then successful people naturally have their own ways of success.

So Yin Jun still respects this enemy.

DBS Bank, controlled by Temasek, can be called the national bank of Singapore. It has always been the number one heavyweight stock in the Singapore stock market.

With such a strong strength, when faced with Le Yiling's tentative loan of US$3 billion, they only considered it for a month before starting follow-up contacts, which was even more straightforward than Busan Bank.

Yin Jun received a US$5.5 billion loan from these two banks, which was basically enough.

But the well-informed Mr. Chen of Pangu Bank also called Yin Jun and said that he had money for Yin Jun.

The young man was a soldier of Han Xin at this time, and the more the better. Since the old man had enough funds, Yin Jun also borrowed 1 billion US dollars without hesitation.

As a result, Yin Jun will have a loan of US$6.5 billion in January next year at most.

At Busan Bank, the collateral that Yin Jun took out was 20% of the shares of Kirin Culture - of course these were excluding the Transformers toys and Saint Seiya dolls that had been mortgaged before.

But with the world's number one comic and book sales of "Kilin Weekly", as well as countless treasures in it that can be used as peripheral products, Busan Bank is already very satisfied with the 20% share mortgage.

DBS Bank's vision is even more sinister.

The collateral they chose was Kirin Communications, which included the patents for all mobile phones.

At present, Kirin Communications' patent purchases are only about 700 million US dollars, and its mobile phone business only covers the whole of Hong Kong. The largest business is the mobile phone contract with Cable and Telephone Company.

However, DBS Bank has taken a fancy to the development potential of mobile phones and feels that mobile phones must have a bright future in the future.

In fact, Singapore Telecom has already begun negotiations with Kirin Communications and Xiangjiang Telephone Company to launch mobile phone services in Singapore.

In this world, Singapore and Hong Kong are the two most similar cities.

They are all highly developed modern cities, they are all densely populated cities, and they are all cities on a small island.

Therefore, Xiangjiang's mobile phone business is now developing better and better. Singapore immediately knew that this business would definitely have a future in its own country.

They don't have to waste any effort. They just buy the patents and equipment directly from Xiangjiang. After setting up, they wholesale the mobile phones and they can use them directly.

Before lending to Kirin Group, the executive vice president of Temasek in Singapore tentatively asked Le Yiling if they could buy the entire Kirin Communications Company for US$4 billion.

Le Yiling naturally refused without hesitation.

My Arjun said that the future market value of Kirin Communications Company will be at least 200 billion U.S. dollars. If you only have 4 billion U.S. dollars, you want to buy it. Go ahead and dream!

For the remaining Pangu Bank, Yin Jun originally wanted to take out the Kirin computer as collateral, but Chen Bicheng was determined not to use the collateral and said, "Ajun, you are the best guarantee."

When meeting such an old man, the young man could only lament his good luck.

Not to mention now, let’s take the time when he first arrived in Xiangjiang as an example. If Chen Bicheng hadn’t educated Chen Youhan, Yin Jun’s first pot of gold might have been accumulated half a year later.

The entire loan negotiation actually started in October this year and has now been completed in December, which is only a short period of 3 months.

It took 3 months to get a loan worth 6.5 billion US dollars. This efficiency is simply super high.

No company in Asia can obtain loans as easily as Kirin Group.

On the one hand, it proves that the Le Yi Ling team has good negotiation skills and high execution ability, but more importantly, Qilin Group is like a fragrant steamed bun in the capital market!

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