Chapter 364 Don't Get Carried Away!

After Kang Xinyuan said this, Chen Youhan sighed and said: "Ah Jun, what are you going to do next time, tell your Uncle Han in advance, don't let me startle you... But, you Tell me the truth, "Kirin Weekly" is so popular, did you really predict it in advance?"

In May and June, Yin Jun had a long-distance debate with people in the comics industry such as Huang Yulang.

At that time, Yin Jun said that his goal was 5 million copies, Huang Yulang and others kept ridiculing them, but now the fact has slapped them hard, because the sales volume is not 5 million copies, but a much higher 7.2 million copies book!

At that time, everyone thought that Yin Jun was talking about his long-term goal, but now everyone is discussing whether Yin Jun is really so confident that he guessed in advance that his comics are popular.

If that's the case, Yin Jun is not only talented, but also has an amazing grasp of the market!

If you can fully grasp the market by doing TV dramas, that’s fine. Now that you can do comics well, do you still have to live?

"I made such a plan by referring to the big market in Japan." Yin Jun nodded, "It's just that I didn't expect the Japanese market to be so popular. The sales volume of 4 million copies has exceeded my imagination...they People in the country are very surprised, how can a manga made by a Xiangjiang person be able to sweep all their weekly manga magazines and become the number one in Japan?"

"Hehe, of course geniuses are different from others." Kang Xinyuan continued, "Actually, I knew that your weekly comics would sell well because you are the best at writing stories. Isn't the most important thing about comics is the story? Then there is Shanghai The masters of the art film studio came to help, and it is normal to sell well! It is only 7.2 million copies, which is amazing!"

"By the way, I heard that there are distributors in other countries, including Europe and the United States, who want to talk about introduction?" Chen Youhan asked.

"Well, there are distributors from Britain and France in Europe, and booksellers from the United States, Canada, and Brazil. But they don't ask for much, and the United States only wants 200,000 copies, and the conditions are somewhat harsh. " Yin Jun said, "So we decided to wait until later."

"Hehe, yes, don't worry now!" Chen Youhan nodded.

After gossiping for so long, Kang Xinyuan was a little unsteady, and he asked Yin Jun directly: "Young Master Jun, you said before you came that there is another big business that wants to take care of us. Are you planning to invest again?"

"Yes."

Yin Jun nodded and said with a smile: "I want to do some investment business, but I don't have any money. This time I can only borrow money from Uncle Han and Mr. Kang."

"No problem! This is what we do! The more you borrow, the better our business will be, and we can make money with you!" Kang Xinyuan said with a smile, "According to the estimates of Youhan and I, with your current The amount of assets, plus our relationship, we can give you a loan of 600 million at most. And you don’t need to take the shares of Changshi Group, you can just use Kirin Company as collateral.”

Regardless of what everyone is saying now, Kirin can be valued at 1 billion Hong Kong dollars by virtue of "Kirin Weekly", but it has only published 5 weekly magazines after all, and it has not been verified by the market for a long time. After the delicacy passed, the sales suddenly plummeted, and then it fell into a slump?

Bankers must take this factor into consideration.

Therefore, Xiangjiang Commercial Bank can give Yin Jun a loan of 600 million Hong Kong dollars, which is already very kind. Apart from them, there is no second bank that can give it.

Being able to give a loan of 600 million, on the one hand, they are really optimistic about Yin Jun, and on the other hand, they have a long-term cooperative relationship. They know Yin Jun well, and they are also very assured of Yin Jun's repayment ability.

"good!"

Yin Jun shook his head and said, "But I need to mortgage the shares of Cheung Kong Group again and borrow another 200 million Hong Kong dollars."

"Why are there so many?" Chen Youhan frowned, "Ajun, it is impossible to have a successful investment like Changshi Group all the time. If you make a right investment, you must not get carried away. If you borrow too much, and this The development of this company is not as good as expected, and the heavy loan interest pressure will make you breathless! 800 million Hong Kong dollars! The assets of a company are not so much! Even if the interest rate is 5%, it will be 40 million a year. Can you take it?"

What Chen Youhan said was not the words of a banker.

The idea of ​​a banker is usually that as long as you have enough collateral, no matter what you do, I will give you a loan, and I even hope that you will go bankrupt, so that I can deal with your high-quality collateral in a logical manner.

Chen Youhan is different. It should be said that their Chen family is different. Pangu Bank has never made money in this area. They don't rely on loans to make profits at all. They don't even want their loan customers to go bankrupt.

What they like is to train an entrepreneur and grow with him and his company, so that the entrepreneur will become their loyal customer, at least for decades.

In the past few decades, Pangu Bank has become the largest and most popular bank among Chinese entrepreneurs.

Southeast Asia basically conducts international banking business through Pangu Bank. Dozens of well-known super-rich people in the Chinese circle are loyal users of Pangu Bank.

This also brought huge returns to Pangu Bank.

So Chen Bicheng taught his two sons a truth when they were young.

Money is not important.

People are more important.

As long as there are people, money will come in a steady stream.

You only have money, but no people. No matter how much money you have, it will be used up one day.

Especially the Chinese people, what they pay most attention to is a "feeling", and the kindness of a drop of water should be repaid by a spring. This sentence is not just a talk.

As long as you truly gain the gratitude and friendship of others, even if your business fails in a mess, they can still lend you millions or tens of millions of money to make you come back.

When Chen Bicheng opened a branch of Pangu Bank in Indonesia, he encountered such great difficulties. Wasn’t it because the seven major Chinese businessmen in Indonesia invested US$10 million in Pangu Bank, which caused a sensation and finally opened up the market?

Without the hard work of the previous decades, who would possibly help you like this?

Chen Youhan is honest and honest, so he remembered his father's words, and he did the same in Xiangjiang these years.

It's just that Xiangjiang's business atmosphere is stronger, not as simple as in Southeast Asia, and there are more bank choices, so the development of Xiangjiang Commercial Bank has always been relatively regular, and there is no such a big explosion as in Southeast Asia.

But Chen Youhan never changed his original intention, so the reputation of Heung Kong Commercial Bank is very good.

He thought so, and Yin Juncai chose his bank to cooperate.

Therefore, Chen Youhan had a sense of responsibility for this young man who looked like his nephew. Therefore, when he heard that Yin Jun wanted to borrow 800 million yuan, his first reaction was to directly persuade Yin Jun not to take risks.

At the very least, it is absolutely impossible for people who are not particularly well-connected to say something like "get carried away with one's complacency", because speaking out will most likely offend others.

Yin Jun smiled when he heard the words, "Uncle Han, I'm not investing in one company, I'm going to make three investments."

"What kind of investment? Is there anything we can help with?" Kang Xinyuan managed to intervene, "Jun Shao, we Xiangjiang Commercial Bank also has its own securities investment department. If you have securities investment, you can come to us." Do it! Keep it secret and help you complete the task, and save some money, right?"

To be honest, Kang Xinyuan was very dissatisfied with Yin Jun's previous loan out and entrusting other securities companies to buy shares in Wharf and Cheung Kong.

We are all on our own, you should be able to take care of us, our ability is not bad!

What's more, if you give us the business, our funds don't need to go out of the bank, and can be directly converted internally. This is very good for the operation of the bank. Not to mention the increase in business, the capital account is also safer!

But Kang Xinyuan didn't know that Yin Jun actually had this meaning long ago.

This time, his Changshi Group stock shares were first found out by Li Chaoren, and then Jardine and Swire also found out. It seemed that there was no secret, which made him very uncomfortable.

What Yin Jun was looking for was Xiangjiang's well-known securities company, but he didn't expect them to be so sieve-like, unable to keep secrets at all.

So Yin Jun thought of the securities investment department of Xiangjiang Commercial Bank. Although the scale is much smaller, with Kang Xinyuan's control ability and Chen Youhan's character, there shouldn't be any problems.

After hearing the words, Yin Jun said: "It's just right, my three investments are all related to the stock market. I wonder if your securities investment department can handle such a large order? In terms of operation and confidentiality, can you Believe it?"

"Don't worry!" Kang Xinyuan was overjoyed, and hurriedly assured: "The person in charge of the securities investment department is me and Youhan's college juniors. We have known each other for more than ten years. He may be a little less alert than those of big securities companies. , but prudence and care are better than them, but this is also the reason why our securities investment department has not grown much."

Chen Youhan also said, "Well, you don't have to worry about Ah Jun, they are all trustworthy."

Yin Jun immediately smiled, "Okay then, I'll leave it to you!"

"Okay! No problem! Which three companies are you going to buy?" Kang Xinyuan was overjoyed, but also gossiped and curious.

Now Xiangjiang does not know how many people want to know what Yin Jun will invest in next, especially in stocks.

If it is revealed what stock Yin Jun is going to buy, then that stock will definitely go up!

Of course, it is impossible for Kang Xinyuan to leak secrets, but everyone has a heart for gossip.

He also wanted to see if Yin Jun had discovered any bull stocks again!