History of Hong Kong Island

Chapter 167
He Dingxian didn't get in the car, closed the car door, walked up to the two of them, shook hands with Bao Yugang, turned his gaze to Qiu Degeng, Qiu Degeng immediately introduced: "He Sheng, this is the Mr. Bao that I told you about before."

"Hello, Baosheng." He Dingxian smiled and spoke kindly, jokingly: "How did you find the school? Are you afraid that I will run away, hahaha!"

Qiu De said even more hastily: "Mr. Bao heard that you came to do charity and student aid, and he admired you in his heart, so he came to the school gate to wait."

Bao Yugang was in his thirties, and he was in his prime. He shook hands and said, "He Sheng, I have admired your name for a long time!"

In fact, he was afraid that He Dingxian would do charity activities, so he would do it very late, cancel the meeting between the two, and simply block people at the school gate.

This is just an ordinary operation in business, but it can be seen that Bao Yugang is in a positive state, and He Dingxian is also concerned. He smiled and sent his hand away, and patted him on the shoulder: "Mr. Bao, go to the teahouse and chat slowly."

"Okay." Bao Yugang agreed quickly, and personally sent Boss He into the car, and then returned to a BMW, asking Qiu Degeng to get in the car with him.

He Dingxian looked at a car slowly following behind, and was not surprised at all, because Bao Yugang was not a person who was at the bottom from the beginning to the end.

His father, Bao Zhaolong, ran a handicraft industry in Hankou 20 years ago. Ten years ago, he opened a bank in Shanghai and set foot in the financial industry.

With the support of his family, Bao Yugang enrolled in Shanghai Zhongxing Academy and was admitted to "Wusong Merchant Marine College". At that time, the national maritime higher education institution dropped out of school due to the start of the Anti-Japanese War. He joined the Bank Bureau of the former Dynasty and served as the deputy manager of Hengyang Branch. , then served as the manager of the Chongqing branch. After World War II, he was changed to the manager of the business department of the Bank of Shanghai, and later promoted to the deputy general manager and manager of the business department. Three years ago, his family moved to Hong Kong Island and invested in many shipping companies. Operating import trade, transporting cotton, steel products, medicines, etc. for the Mainland...

He grew up in the financial circle since he was a child, and has been immersed in the domestic financial industry for 15 years. He is a "banker" through and through.

Kowloon.

Ruixing Tea House.

He Dingxian asked the two guests to sit down, called the waiter, and asked aloud: "What do you two drink?"

Bao Yugang answered decently: "Mr. He, I will do as I please."

He Dingxian then closed the menu and handed it to the waiter: "Give me a pot of chrysanthemums, and then some baskets of snacks."

"Okay, He Sheng." The waiter took away the menu, and immediately brought teapots, pouring tea for the three guests respectively.

He Dingxian tapped his fingers on the table, and said warmly: "Mr. Bao, I remember correctly, you are in the banking industry, right? Did you meet Ah Geng after you came to Hong Kong Island?"

Now that Qiu Degeng is the big shopkeeper of the bank, he can be regarded as a member of the banking industry, so it is not very strange to know Bao Yugang.

Bao Yu just knew everything and said with a smile, "Qiu Sheng and I are from the same hometown. We were lucky to meet each other when we were in Shanghai, and we gradually got to know each other after we came to Hong Kong."

He Dingxian looked at Qiu Degeng with his eyes. He did not expect that the shopkeeper had such contacts, but considering that they are both from Ningbo, it is normal to know each other. If Qiu De is more willing, he is already qualified to join the Ningbo Chamber of Commerce. I know more bosses from my hometown, but Qiu Degeng obviously doesn't want to have any more contact with the Ningbo Chamber of Commerce, but his hometown can't be changed.

Qiu De even explained: "Boss, when I was in Shanghai, I rented a movie theater and tried to do some business, but unfortunately I couldn't do it."

"At the beginning, Mr. Bao officially became the manager of the business department of the Bank of Shanghai. Out of the affection of his fellow countrymen, he gave me some low-interest loans."

He Dingxian understood immediately, and laughed loudly: "Hahaha, Mr. Bao, thank you!"

"If it weren't for you, I wouldn't be such a powerful shopkeeper." He bowed his hands and gave them both face. Qiu Degeng and Bao Yugang were greatly benefited. Bao Yugang said hurriedly: "Mr. Don't say that, the same country should help each other."

"Besides, Mr. Qiu is ambitious and talented, and he will make his mark sooner or later."

Qiu De even shook his head and said with emotion: "It's He Sheng who praised me."

In fact, if Qiu De hadn't become the big shopkeeper of Dongfang Bank, Bao Yugang would not have had any contact with him even if he came to Hong Kong Island.

Times have changed, but Bao Yugang gave him a new opportunity for a favor that he had just casually in those years.

He Dingxian said: "Mr. Qiu has never recommended anyone to me. Since he introduced Bao Sheng today, he will definitely help if he can help."

"Besides, Bao Sheng is shopkeeper Qiu's benefactor, friend, that is my friend, did he encounter any troubles in the Jianghu?"

He felt that Bao Yugang might not be able to collect his bills in Hong Kong Island, so it shouldn't be because he lacked money to do business. Could the banker be short of money?But Bao Yugang said: "Thank you, He Sheng, there is something I need to help with, but it's not about Jianghu, it's a loan."

"Oh?" He Dingxian was surprised, and asked aloud: "Will Baosheng be short of money?"

In his memory, Bao Yugang has always been smooth and smooth all his life. Not only did he start to make a fortune in his father’s generation, but he was also the world’s shipping king publicly recommended by later generations. His global shipping company once owned the most cargo ships in the world. In the 80s, it owned 210 ships with a total load. With a tonnage of 2100 million tons, it stands out from the crowd and firmly sits on the top of the world's eight largest ship kings. Its "world ship king" status is far more well-known than its "banker" status.

Bao Yu just smiled when he heard the words: "He Sheng is joking, who is not short of money when he comes out to do business? What's more, I am just a fledgling in Hong Kong Island in terms of seniority. I can earn money for food, but I need to invest. It’s really hard, and I just heard that Mr. He’s bank has a loan business, so I want to borrow a sum of 70 US dollars to buy a cargo ship.”

"Mr. Bao is going to do maritime business?" He Dingxian raised his brows when he heard that, a guaranteed business with no compensation came to his door! Although the amount of 70 US dollars is scary, Dongfang Yinhao can really take it out.

Moreover, the land purchased by Dongfang Yinhao in Kowloon and the New Territories is sufficient. At this stage, it is indeed possible to stop the "enclosure" behavior and use the reserves to seek other development.

It is extremely risky to lend such a large amount of money to others. If Dongfang Bank makes a mistake, it may face a credit crisis.

Therefore, even if Qiu De had the right to approve the loan, he didn't dare to make his own claims, so he could only pass the matter to the boss.

Bao Yugang nodded and said: "I was born in maritime affairs, and I am very optimistic about the shipping business. To be honest, I invested several 10 yuan in a friend's firm a few years ago. The import and export trade is very successful. Hong Kong Island is now nothing compared to Shipping is more profitable.”

"That's the truth." He Dingxian nodded in approval, but he had no shortage of scruples: "It's possible to risk three-pointed shipping, and every shipment is a gamble. If you lose a single shipment, you may lose your entire fortune, and the shipping industry on Hong Kong Island is already very developed. , It’s not easy to make it bigger.”

"What's Mr. Bao's plan?" He believes that Bao Yugang can stand out, but he can't guarantee that it will be this one. If the fund of 70 US dollars is wasted to pay tuition fees for others, it will be a big loss.

But Bao Yugang sensed the opportunity in the words, and said without hesitation: "Since Mr. He knows that I have worked in the bank business before, I will tell the truth. At present, the shipping companies in Hong Kong are all asset-heavy operations. There are three points of risk, but my work experience in the first half of my life makes me most afraid of risk, and there is a way to join the shipping industry without risk.”

"That is to lease the ship to the owner of the trading company for a long time, treat it as a sea property market, and collect rent on the ground!" He did not hide it, and said very firmly: "Currently, all shipping companies in Hong Kong, except for self-shipping, most of them Ship owners all adopt short-term leases, because the shipping industry fluctuates greatly. When a ship sails from Japan Island to San Francisco, the shipping fee for a container before departure is [-] yuan. It’s [-], which has led to shipowners preferring short-term rentals.”

"If you charter a voyage and change the price once, if you encounter a recession in the shipping industry and a decline in global trade, the loss to the shipowner will be huge, because the shipping industry in Hong Kong is booming, and all shipping companies are currently expanding rapidly, constantly paying shipyards. The shipyards in Hong Kong, Japan, and the United States are all building Chinese ships. One day, under the prosperity, there will be a huge crisis. One day, the shipping industry will be in a downturn for a year or so. At present, several big ship kings in Hong Kong Island will sell their ships and go bankrupt. , and even pay the shipyard sky-high liquidated damages.”

He Dingxian was stunned for a moment. He never expected that someone would look at the shipping industry with the thinking of the banking industry, and collect ship rents by collecting rents in the property market.

You must know that the shipping industry has huge profits, and business pursues profits, which has led to the entire shipping industry being very aggressive, with new ships launching every day.

No matter what kind of boss you are, you like to buy two boats for your own use, and you can rent them out if you don’t need them. This is like the real estate speculators of later generations. They buy houses when they have money, and they can’t stop when they taste the sweetness. How can they believe that the real estate market is about to collapse?

Bao Yugang seems to have sniffed out the crisis in the real estate market and started to operate the long-term rental housing market in the era when everyone was crazy about buying properties.

Still looking for water in the property market, but no longer focus on the vain profiteering, and use "private room rental" to speed up the operation, obtain small profits, and avoid large financial losses.

Sure enough, Bao Yugang said: "After I plan to purchase a cargo ship, I will lease it to major cargo owners on a three-, five-, or even ten-year long-term lease. The longer the lease, the cheaper it is, and the more secure my income will be. Withstood the market fluctuations in the shipping industry, made small profits, sought stability, and steadily made money at sea."

He Dingxian immediately understood why Bao Yugang became the number one ship king in the world, not because he was fierce, but because he was stable!

On a merchant ship, the only way to climb far is to go steadily and steadily!

When He Dingxian saw the intention of the ship king to sail out to sea, he suddenly felt that Hong Kong Island has many talents, and everyone has it. He immediately said with emotion: "I understand what Mr. Bao means, I admire, admire, but with all due respect, Mr. Bao is in Shanghai is the manager of the bank, so it’s impossible to have friends in the banking industry, so why did you borrow money from me?”

"What's the use of $70?"

Just as Bao Yu breathed a sigh of relief, he was already very confident in his heart. Instead, he calmed down and said, "A British company plans to sell a coal-burning cargo ship. Although it only has a displacement of 8200 tons, it is also an old guy before World War II. It has been launched." 28 years, the price is only 70 US dollars, and the company also guarantees delivery after repairs, the price is very suitable..."

"I originally planned to go to HSBC to borrow money and ask my friends to establish a good relationship, but I didn't expect that the ghost boss at HSBC was too thieves. He rejected my loan application on the surface, but came to me in private and wanted me to borrow money. High interest money."

(End of this chapter)