Rebirth of Hong Kong Island, I, the rice class leader

Chapter 178 178: Ghost guy is nothing special!Initial manifestation of influence
At that time, only three or four foreign banks such as Jardine Matheson and Swire Pacific and Hetong were able to obtain unlimited loans from HSBC!
If a Chinese wants to get a loan from HSBC, he must recognize He Dong as the deed and have him guarantee it, otherwise HSBC will never approve the loan.

Gao Yao didn't think so. He believed that a profit-oriented ghost guy would never miss an opportunity to make money.

The reason why they don't lend money is simply because Gui Lao thinks that the profit is small and the profit is not stable for a long time.

For example, Mu Yi, who just came into contact with Gao Yao not long ago, is responsible for the joint company that is currently not well-known on Hong Kong Island, and few outsiders know about it.

But next year, this company can open a letter of credit with HSBC without paying a deposit. If a deposit is paid, HSBC will also charge interest to the company.

In addition, United also has a very good relationship with the Foreign Exchange Control Administration, and all required foreign exchange licenses have been approved.

why?
Because the United has the unified purchasing and marketing rights of the Northeast Bureau, there is a constant flow of grain, pig hair and other commodities from its hands, and its trade volume can reach tens of millions a year.

Is United a company run by Chinese?Doesn't HSBC still go to the trouble to issue a letter of credit?At that time, its assets in the mainland were confiscated.

So, to put it bluntly, Gui Lao is such a piss-poor. He recognizes money but not people. He makes money and the profits are huge. It’s okay to call him daddy.

"90% loan?"

In the credit department office, Sandus shook his head repeatedly: "NO, NO, this ratio is too high."

In fact, when Gao Yao first came to HSBC, he had an indifferent attitude, but when he heard that the interest rate here was only 6%, he immediately became interested.

Compared with the rapidly developing economy of Hong Kong Island, this interest rate is almost zero, and external Chinese banks cannot provide it.

According to Gao Yao's understanding, the price in East Asia is about 12%, and outside it is at least 18% or more!
No wonder everyone wants to get loans from foreign banks such as HSBC, as the cost has indeed been reduced a lot.

"It doesn't matter."

Gao Yao shrugged: "If you can't approve it, I might go to Standard Chartered."

"I think they'd be happy to have an advert in the paper."

At that time, the strength of the three banks, Standard Chartered, Yili, and HSBC, was actually almost the same. It was not until HSBC took the lead in opening up loans to Chinese people that the gap gradually widened.

"Oh, MR. High."

Sandus had a headache: "We are friends."

In fact, we have only met twice, but Gao Yao's arrogance has already proved how big his wallet and career are.

It is absolutely impossible for HSBC to miss the second Hedong.

Yes, that's what Sandus thinks.

The He Tung family is the most prominent Chinese family in Hong Kong. Currently, no Chinese family can compare with it.

He worked his way up through being a comprador, and then made his fortune through real estate!

Yes, He Dong also became extremely wealthy by doing real estate. He pointed out a way for those who came after him.

But unfortunately, He Dong is old and has no suitable heir. The family is declining at a speed visible to the naked eye.

It's a pity for ghost guys, because they like to do business with wealthy people with stable careers, so they don't need to worry about the safety of their money.

"If we were friends."

Gao Yao sneered inwardly, "Don't be ridiculous. We all have completely different values, skins, and races. How can we be friends?"
Our only friend is Money!

"Then you should know that we in the East have a saying that friends should help each other."

"I get the money and you HSBC get an invisible publicity."

Gao Yao said leisurely: "It's very reasonable."

"NO, NO, NO!"

Sandus shook his head repeatedly, 90% of it was absolutely not allowed, but he couldn't give the high key to Standard Chartered or it would be beneficial.

Otherwise, the board of directors may scold him bloody!

Sandus thought for a moment and said seriously: "70%."

"My friend, I have taken a great risk."

“It’s all about God and our friendship!”

70% is already a lot, but you are not satisfied with the high rankings. This is how you negotiate business with a ghost guy. You must push your limits.

"For the sake of everyone's friends."

Gao Yao was also prepared. He dug into his arms, but he was actually taking something from the space.

"I need you to help me get another loan."

Sandus took it and read it carefully. At the end, he shook his head repeatedly: "NO, NO, NO!"

"HSBC will never give a loan to a ship."

In fact, not only HSBC, but all banks will not provide shipping loans.

"Aren't we friends?"

Sandus shook his head one after another: "These are two different things. Friends can't let friends lose money!"

This damn guy!

Fortunately, Gao Yao was mentally prepared. He pointed to the contents of the contract and began to explain: "I rent for a long time and the profit is stable."

"Oh, I see."

Sundashi said: "MR. Gao, your idea is very right. This is the first time I have seen someone like you do this."

"but!"

He shrugged, and then said regretfully: "I can't make an exception for you!"

"The concentration of capital on ships is extremely risky, and a slight difference can lead to a huge loss."

The sea is rough and rough, and the ship may capsize one day. There may also be political factors. Even if there is insurance, it is still not insured.

As an aside, the insurance on ships at that time was weird. For example, there was a type of insurance called forced unloading insurance...

From this we can imagine how risky shipping was at that time!
Gao Yao sighed: "You don't know about alliance?"

"know."

How could Sandus not know?Mu Yi has come to see HSBC a long time ago!
He said seriously: "Lianhe told me that they have the unified purchasing and marketing rights of the Northeast Bureau."

Gao Yao nodded: "Yes!"

At that time, our army was in charge of affairs in the Northeast, and a considerable part of the area was already in our hands.

If it weren't for this, United wouldn't be able to cooperate with the Northeast Bureau.

Sandus blinked his eyelids, thinking that MR. Gao was an Oriental after all, so it was not surprising that he would know this, so he said again: "But it's useless!"

He shrugged, sometimes the ghost just accepts death like this,

"I have not seen its goods being sold here on Hong Kong Island, and I don't know the actual market profits."

A smile appeared on Gao Yao's lips. The ghost man finally did not block all the roads. He directly seized the flaw: "My ship is already being repaired. It is expected to be launched in a month for joint transportation."

"Within three months at most, you can see countless supplies being sold on Hong Kong Island."

"My friend, I hope you will give me a fair loan based on this contract when the time comes!"

"Didn't you tell me that this is not possible?"

If you want to describe Gui Lao's character, it would be to bully the weak and fear the strong!

To give a simple example, the Hong Kong government has a deportation provision. Who is it targeted at?Underworld?

No no no!This article targets those suspected of being political, and it only dares to deport people, not anything else.

Some people who were deported were even able to come back again through some degree of pressure!For example, the first-generation leader of 14K was deported first and then secretly taken back.

For another example, in later generations, Guan Tai was often retaliated by the Hong Kong government for being suspected of smuggling in the 50s!

But what was even more outrageous than what Guantai did at that time was United!They directly bought up almost all the products in the market on Hong Kong Island, and the pharmacy street in Causeway Bay was also emptied by it!
Isn't this smuggling more intensive than Guantai's?

As a result, the Hong Kong government turned a blind eye!Look, isn't this just the persimmons that pick out the soft ones?
Gao Yao saw that Sandus was silent: "Forget it, forget it, I'll still find Standard Chartered."

Sandus was speechless. He felt that this MR. looked like a gentleman, but in reality he was a gangster. After recalling the content of the previous negotiations between Mu Yi and him,

He could only take a step back: "It will depend on the situation."

"But even if it is possible, we have to ask Lianhe to provide a letter of credit." Gao Yaoyao said happily, if Lianhe wants to open a letter of credit, wouldn't it be done by HSBC?

Then he snapped his fingers: "Oh, dear Taipan, it's so nice to meet you."

Sundarshi corrected: "NO, I'm not Taipan."

"Now that you know me, your performance will definitely improve by leaps and bounds in the future."

Gao Yao encouraged: "I will not misjudge the person, you will definitely be the top class member of HSBC from now on!"

Sandus shrugged: "Well, if you insist on saying that, I think it's acceptable!"

After the two signed the contract, Sandus said: "MR. Gao, your account will be set up soon."

"I'll wait for you to withdraw the money at any time."

"Thank you."

Gao Yao didn't care about this. He said to Sandashi: "Out of friendship, I allow you to publish it in the newspaper."

Is it difficult to get a loan from HSBC?
Isn't it very simple?

Gao Yao, who had secured a multi-million loan from Gao Yue Building, walked out of HSBC with a relaxed expression.

Money goes, money comes!Money goes, money comes!It is easy to get money, but it is really difficult for people to get money!
The main reason is that the interest rate is low!

Lin Baixin didn't leave. He kept staring at the door of HSBC.

After seeing Gao Yao walking out, Lin Baixin rushed forward like a whirlwind.

"Mr. Gao, Mr. Gao, I am Lin Baixin, from Chaozhou."

Du Qi and Greyhound blocked each other on the left and right.

Lin Baixin couldn't squeeze through, so he yelled from the side: "Mr. Gao, I am Lin Baixin, a garment maker."

"The factory is at Yuen Chow Street, Sham Shui Po. I'm a Teochew person."

"Let him come over."

Gao Yao had no impression of Lin Baixin, but he started a garment factory in the late 40s?That's quite courageous.

"thanks, thanks."

Lin Baixin nodded and leaned closer: "Mr. Gao, I am Lin Baixin."

He had said his name several times, thinking it was important to him.

Gao Yao smiled slightly: "Want to get an HSBC loan?"

"Yes."

Lin Baixin said: "I opened a garment factory and need turnover."

"Feel sorry."

Gao Yao had to tell him regretfully: "It's hard for a ghost guy to give you a loan."

The reason why Gao was able to get the loan was not only because of his reputation, but also because of his abundant financial resources and the introduction by Jian Lifu and others.

That was the case at that time. It was really difficult for Chinese businessmen to do business, so they established chambers of commerce to help each other.

Lin Baixin smiled bitterly: "It can be seen that the doorman didn't even let me in."

Gao Yao laughed and said: "There is no point in being angry with them. Of course the gatekeeper must learn to look down upon others."

"Come on, let's have a cup of coffee."

"Then I'm welcome!"

Lin Baixin was overjoyed. Everyone said that Mr. Gao was friendly to Chaozhou people, but he didn't expect it to be true.

The coffee was very fragrant, with fresh milk added. Gao Yao adjusted the spoon and listened to Lin Baixin talk about the garment making situation.

At that time, the scale of garment manufacturing in Hong Kong Island was very small, with only more than 40 enterprises in Hong Kong. In the 60s, the garment manufacturing market began to boom, and then it got out of hand.

Before 86, Hong Kong Island was the world's largest garment export region. Even if it was surpassed by others, it still held the second position.

The developed garment manufacturing has brought the most fashionable world trends to Hong Kong Island, and Hong Kong style has begun to rise!
Lin Baixin said: "Mr. Gao, I think there is a market for clothing."

He talked eloquently: "We have many fellow villagers in Nanyang, and they often send telegrams back saying that there is a shortage of garments there."

That's true. At that time, the powerful trendy businessmen were all in Nanyang, so they would naturally transfer demand back.

Gao Yao asked: "Are you going to ask me for a loan?"

"No no no!"

As the saying goes, it is better to help the urgent than to help the poor, and besides, he is in business. Lin Baixin still understands this clearly. He said: "Mr. Gao, I would like to invite you to join us as Chengfu Weaving and become our director."

At that time, it was a trend to invite social celebrities to join the company as directors, mainly to leverage their social status and influence.

For example, Zhou Xinian is often invited to join a certain company and become a director.

Things were changing, and Gao Yao didn't expect that this day would come to him so quickly. He looked at Lin Baixin with a half-smile but not a smile: "Why are you so embarrassed?"

Pies will not fall from the sky, only those who give up will get something.

Lin Baixin lowered his neck: "I sincerely invite..."

"it is good."

Gao Yao agreed wholeheartedly.

Lin Baixin was stunned, and he stood up happily: "Mr. Gao?"

"Let's get together with a few people."

Gao Yao knew Lin Baixin's thoughts and said, "I can't help HSBC at the moment."

"If you don't mind, I can help you say hello to the Bank of East Asia."

"Don't mind, don't mind."

Lin Baixin nodded frequently: "It's already very good."

The Bank of East Asia was the first Chinese bank at the time and was very powerful. Although its interest rate was a little higher than that of HSBC, it was definitely lower than others.

For many Chinese businessmen, Bank of East Asia is already the best choice, but not everyone is eligible for this choice.

Lin Baixin left with many thanks.

"Lixin?"

A strange smile appeared on Gao Yao's face. Yes, he finally remembered Lin Baixin, the future clothing king, African king, and chairman of the board of directors of ATV.

Thousands of tall buildings are rising from the ground. Unexpectedly, this future garment king is still worried about development.

Then I remembered that some people started to invite me to join as an honorary franchise, even though it was just a small weaving factory.

But Gao Yao is still very happy. As the saying goes, you can't reach a thousand miles without taking small steps. This small step will be a big step in the future.

……

Mr. Gao detonated Hong Kong Island again, and after He Dong, he stepped into HSBC through the door as a Chinese and borrowed a large sum of money from HSBC, a lonely ghost!

A young man who just debuted has so much momentum!For a while, it caused a lot of public opinion among Chinese businessmen.

In the Lijia study room in Etou Mountain, Limin was reading the newspaper and lost in thought. Of course, the Lijia could also borrow money from HSBC.

However, this relies on the legacy left by Hysan back then, such as land such as Etou Mountain.

"Tallest building?"

Limin smiled half-heartedly: "So good at hype? Let me help you."

He shook his head slightly, then picked up the phone on the table and started shaking the phone: "It will be shipped tonight."

"Instead of going to Tsim Sha Tsui, come from Kwun Tong."

"Hey, Mr. Yu, it's me, Min Ze."

(End of this chapter)