Starting from floating in Hong Kong

Chapter 351 High Quality Financial Products
Yang Shuyun only felt that her thoughts were a little confused.

She still owed Mr. Zhao a sum of money, and she still had to pay a lot of interest every month.

Now that she has had her waist cut, she has to help Mr. Zhao solve the problems caused by the delay in repayment.

And now, Mr. Zhao found her again and recommended a new service to her.

As long as you take a cell from your body, you can grow your own organ and regrow a kidney.

Then the kidney was transplanted back into the body, and she was able to live like a normal person.

It looks so beautiful.

There is just one small problem, the price of this service is a bit expensive.

Need to pay 500 million US dollars, which is 4000 million Hong Kong dollars.

But Yang Shuyun still owes 500 million Hong Kong dollars, so how can there be 4000 million Hong Kong dollars to buy this service.

If she is a member of the Legislative Council for a few more years, she can get so much money.

Right now there really isn't one.

So Mr. Zhao thoughtfully provided a loan plan for Ms. Yang Shuyun. She only needs a loan of 500 million US dollars, and she can enjoy the waist produced by the new technology and get free transplant surgery.

The annual interest rate of US$500 million is only 7.5%. The loan period is ten years and can be repaid in installments.

This is already a very favorable condition, which made Yang Shuyun's heart flutter.

After all, Yang Shuyun lost a kidney, which made her panic.

A new kidney is desperately needed to restore her bodily functions.

This is a real need.

Seeing Yang Shuyun's hesitation, Qin Yi added with a smile.

"The $500 million is not just a concessional loan, it's an investment."

"Investment?" Yang Shuyun was incredulous, why did the loan turn into an investment.

Qin Yi explained to her in detail, "This extreme technology is still under intensive research and development, and there is no large-scale commercial application at this stage, and some research and development funds are lacking."

"So we came up with the business of organ loans. On the one hand, it is to give back to partners and provide benefits, and on the other hand, it is also to raise funds."

"Your loan of $500 million is not from us, but the bank will pay for it for you."

"This loan will be directly used in research and development funds to accelerate technology development and improvement, and promote the commercialization of biological cloning technology."

"As we all know, the 21st century is the century of biology, and the market prospect of this technology is very broad." Qin Yi looked particularly excited and proud, "We are seizing the commanding heights of cutting-edge biological technology. This is a cash cow, a cornucopia."

Looking at Yang Shuyun's dazed eyes, Qin Yi added another sentence.

"Don't think that this matter has nothing to do with you, you can also enjoy a steady stream of benefits here."

"Benefits?!" Yang Shuyun was a little puzzled, besides getting a new kidney, what benefits could there be?

"This is what makes our organ loan extraordinary." Qin Yi showed a mysterious smile, "As I said just now, this is an investment."

"Your loan is not only used as a service to purchase cloned organs, but we also regard this fund as your investment in biological cloning technology."

"When this technology enters the commercialization stage, you will have a share of the profits generated by the product."

Yang Shuyun's eyes lit up instantly, and she asked excitedly, "Is this true?"

"Of course it's true." Qin Yi took out a thick contract from his briefcase and handed it over directly, "These are written in the contract, you can read it yourself."

Yang Shuyun couldn't wait to grab the contract in front of her, picked up the glasses with trembling hands, and carefully looked through the contract, browsing, analyzing, and deliberating one by one.

After half an hour, Yang Shuyun finally read the contract.

A very standard business investment contract and loan contract, all clauses are in compliance with the law, without any traps and word games.

Judging from the content of the contract, the other party is very sincere.

Yang Shuyun nodded, "There is no problem with this contract."

"Of course there is no problem." Qin Yi looked at the other party with a smile, "We have invited many lawyers from China and the United States to draw up the contract, so we are afraid that something will go wrong. This is a formal commercial project."

There's nothing wrong with the contract, but...

Yang Shuyun found that she had nothing to pay other than a loan, and even she only needed a signature.

"Do you still need to think about it?" Qin Yi asked unhurriedly, "Many investment companies and rich people from all over the world are interested in this project, and our customer feedback project has limited quota."

"If you want to think about it, I can give you three days. After the time, I can't guarantee whether there will be any vacancies for this project."

After speaking, Qin Yi took out a business card from his arms and put it on the contract in front of Yang Shuyun, got up, picked up his briefcase, and was about to leave.

"Wait a minute!" Yang Shuyun called to Qin Yi, frowning slightly, with some hesitation in her expression.

"What are you waiting for?" Qin Yi was a little surprised, "This project can be said to be a rare opportunity. You can get a brand new kidney and long-term fixed income in the future. We get a research and development fund, and HSBC will get a steady stream of money. High interest returns."

"This is a triple win!"

Yang Shuyun's heart moved, "HSBC also participated in this project?"

"Of course." Qin Yi nodded seriously, "The loan is provided by HSBC Bank. In addition to HSBC Bank, Standard Chartered Bank and Citibank are considering participating."

"Okay." Yang Shuyun nodded firmly, "I agree."

As she spoke, she picked up the pen without hesitation and signed her name on the contract.

Qin Yi solemnly withdrew the contract and sighed: "Ms. Yang, you will definitely be proud of this wise decision in the future."

"I wish." Yang Shuyun sighed, "I just want my body to recover."

"Yes." Qin Yi nodded, "This great technology was born for human health, I wish you a speedy recovery."

……

Qin Yi walked briskly into Luo Minsheng's office, and put the briefcase on the table.

Sitting behind the desk, Luo Minsheng looked at his boss in astonishment, took out a thick stack of contracts from it with a smile on his face, and threw it heavily on the table in front of him.

"These too?" Luo Minsheng asked in disbelief.

"Yes." Qin Yi showed a smug smile, "A total of ten loan contracts worth [-] million U.S. dollars."

"Your efficiency is simply too high." Luo Minsheng said in amazement, "The performance of the financial product manager under me in three days is not as high as yours alone."

"Then you should consider dismissing them and replace them with more capable people." Qin Yi pulled a chair and lay down comfortably on it.

Luo Minsheng put the contract codes together carefully, and asked tentatively, "Or hand it over to HSBC?"

Qin Yi had an indifferent expression, "If they can eat it, I can give it to them."

"Of course I can eat it." Luo Minsheng had a happy expression on his face. "They have a huge appetite now. They lack this kind of high-quality financial products. They can eat as much as they have."

"However, the managers of Standard Chartered Bank and Citibank have come to me, hoping to entrust them with making this product." Luo Minsheng asked tentatively, "Boss, what do you think?"

"That depends on whether their sincerity of cooperation is sincere enough." Qin Yi said with a smile, "We are not some random company."

"The cooperation between the two companies is full of sincerity. Citibank is willing to lower the interest rate to 7%, and Standard Chartered Bank said that 6% can also be done. At the same time, there will be a rebate of ten points for us." Luo Minsheng's face was flushed with excitement. I have never seen such a grand spectacle.

In the past, they begged the bank to cooperate, and the bank looked superior.

The bank managers have their nostrils upturned and look at people with their chins. If they want to get high-quality wealth management products, they have to bribe them.

And you don't have the right to choose, you can only accept what the bank gives you.

Now it was completely reversed, and the bank slipped and knelt in front of him, begging him to cooperate.

It seems that the glamorous, cold and arrogant wife next door has been caught by you, removed her disguise, and let you manipulate her.

There is a thrill of conquest in it, taking whatever you want.

Hiss~, wonderful.

Qin Yi didn't seem to care about these things, "You can do what you see, Standard Chartered Bank is so sincere, you can consider them first."

"Get these contracts done as quickly as possible and get the money in the books."

After speaking, Qin Yi stood up, ready to leave.

"Good boss." Luo Minsheng suddenly remembered something, "Wait, boss."

"What should I do if there are still 60 billion Hong Kong dollars in the account?"

Qin Yi frowned, and looked at Luo Minsheng expressionlessly, "What should I do?"

"Now the account has become 62 billion, so it's not an option to leave it like this." Luo Minsheng asked tentatively, "The money needs to flow. Do you want to invest this money as well?"

"You can invest in it and turn it into an investment share, then mortgage it to Standard Chartered Bank and exchange it for a US dollar loan." Qin Yi urged, "Then invest in the US stock market and buy some Enron shares."

"Enron Company?" Luo Minsheng was a little surprised.

Enron is an American energy giant, the largest natural gas purchaser and seller in the United States, and a leading energy wholesale market maker.

The boss, Kenneth Ray, has a close relationship with the Bush family and claims that the White House is his home.

Relying on its own capabilities, Enron has grown into an energy giant, and its stock price has taken off all the way since entering the 90s.

At that time, there was a saying on Wall Street praising Enron's stock that the sky is the end.

"Yes, buy more." Qin Yi nodded seriously.

"How much to buy?" Luo Minsheng asked cautiously.

"Buy two-thirds of the loan provided by the bank." Qin Yi patted Luo Minsheng on the shoulder, "Make the report look better, if the stock price rises a lot, you can use these stocks to borrow money, understand?"

"Ah?!" Luo Minsheng was stunned for two seconds, then nodded sharply, "I understand, boss!"

Qin Yi quickly disappeared outside the door with unrestrained steps.

Looking at the mysterious boss, Luo Minsheng sighed.

He is very grateful for the boss's trust in him, but the boss is also a little loose, and often can't find where the person is, so that he can't find anyone to report some important things.

When Luo Minsheng was complaining, suddenly the secretary knocked on the office door.

"Mr. Luo, manager Xu Jiabao from HSBC is looking for you, do you want to see him?"

Luo Minsheng frowned, "Does he have an appointment?"

"Yes, but it's in the afternoon." The secretary said cautiously, "He said he had something urgent, so he came early."

"Let him come in." Luo Minsheng thought for a while, and then said, "Push away all other meetings, and only accept people from the bank today, you know?"

"Good boss."

After more than ten seconds, Xu Jiabao rushed in hastily, "Brother Sheng."

"Sit." Luo Minsheng didn't stand up, but just stretched out his hand and made a gesture of invitation, "Why did you come here in the morning?"

"I can't help it, the higher-ups are urgent." Xu Jiabao sat down and asked anxiously, "Brother Sheng, how are you thinking?"

"The boss hasn't responded to my message yet." Luo Minsheng pondered for two seconds, "I can't make the decision yet."

"Brother Sheng, aren't you the general manager here?" Xu Jiabao suppressed the anxiety in his heart, and asked tentatively, "Can't you decide this matter?"

"After all, it's a big business. How can I make decisions casually." Luo Minsheng spread his hands, "If it's only a few hundred million Hong Kong dollars, I can entrust you to do it. This is hundreds of millions of dollars."

Xu Jiabao hesitated to speak, frowned and thought for a while, "Did Standard Chartered Bank and Citibank come to look for you?"

Luo Minsheng remained silent.

"Brother Sheng, don't believe their nonsense." Xu Jiabao was anxious, and said quickly, "Did they promise you various preferential terms? These are all with harsh conditions. Unlike us, our HSBC Bank does not conditional."

Luo Minsheng picked up the teacup and took a sip, then slowly put it back on the table, still without expressing his opinion.

"Brother Sheng." Xu Jiabao gritted his teeth, "If you do this project for me, I will give you a small rebate."

"Oh." Luo Minsheng immediately interrupted Xu Jiabao, "My boss treats me well, I can't sell myself for this little money, besides, I have a bottom line."

"Yes, yes." Xu Jiabao quickly nodded in agreement, "Who doesn't know that Brother Sheng is righteous, otherwise I wouldn't have come to ask you for help."

"Brother, I really can't help it. This year's performance is under great pressure. If we can't finish it, we will all be fired."

"Then why don't you just resign and come to my place to do a good job, my boss is very generous." Luo Minsheng immediately expressed his intention to solicit.

"Thank you Brother Sheng." Xu Jiabao smiled wryly, "But I haven't figured it out yet."

"You can come here at any time if you can't continue." Luo Minsheng said casually, "Isn't HSBC always good? What happened this year? It seems so urgent?"

Xu Jiabao glanced around, lowered his voice furtively, "I'll only tell you, don't tell anyone else."

"Now there are a few large bad debts internally, and the bank's board of directors is trying to find a way to turn over the money. At the same time, it needs to get some high-quality products as soon as possible to withdraw funds and plug the hole."

Luo Minsheng understood immediately.

Why does HSBC Bank have a large amount of bad debts, and it can't wait to lend it.

Because after the loan is released, the bank does not wait and slowly charge you interest, how slow and inefficient that is.

Banks will directly package your loans into wealth management products and sell them to customers who invest in wealth management.

For example, if the loan interest rate is 7.5%, the bank will sell the income of wealth management products as 5%.

In this way, the bank not only recovers the principal, but also earns 2.5% interest income every year.

The obtained principal continues to be loaned out, and then packaged and sold, and so on.

So HSBC set its sights on this high-tech and cutting-edge project in Luo Minsheng's hands.

(End of this chapter)