The Industrial Giant Reborn

Humans have weaknesses, and the same is true for those who earn profits. Although their income at HSBC is definitely not low, compared to the customers they face and the money they often handle, their own income can be said to be a drop in the bucket. And the middle management of HSBC must have made them a lot of contacts, especially in the banking and financial industries.

Under normal circumstances, it would be difficult for Chen Zhiwen to get a high-amount loan, but this is Hong Kong. In a few years, the entire financial industry, including HSBC, will be played and applauded by Chen Songqing. It can be seen that greed can far exceed high IQ .

Naturally, Chen Zhiwen would not play so big. He just wanted to get a little more money, so that he could get more returns in a few years. With his prophetic ability, there is no risk. If any bank dares to cooperate with him, That will definitely make a lot of money, an absolute win-win situation.

A week later, under the recommendation of Lu Weichun, Chen Zhiwen met the so-called "small bank", which turned out to be a branch of RB Bank in Hong Kong.

After some conversations, I found out that some banks of RB entered the Hong Kong market by buying shares when the Hong Kong stock market crisis occurred in early 1973. They thought they had made a profit, but when the subsequent oil crisis came, RB also had problems in its own country. Fortunately, the oil crisis came and went quickly, and ended in half a year.

But in this way, RB Bank’s business in Hong Kong has not made any progress for a year. After the real estate crisis in Hong Kong, many real estate companies are eager to reduce their debts to protect their capital. Even Li Jiacheng, an old fox in the business world, raised funds through stock market financing. Instead of borrowing from the bank, at the same time, a large number of people come to the bank to save money. The money cannot be loaned out, but the loss is very serious.

Therefore, under the combination of interests, a middle-level HSBC like Lu Weichun has a very high value, because he knows many people who are short of money but cannot get loans from HSBC.

After some conversation, the representative of RB Bank said that they need to report the specific situation to the headquarters again. If there is no major problem, then the two sides can cooperate.

After finishing the Japanese meal, Chen Zhiwen went home and told his father Chen Tianfu about the matter.

Chen Tianfu thought for a while and said, "I know that RB Bank is rich. In fact, the funds of many ship kings in Hong Kong are not borrowed from Hong Kong Bank, but RB. It is good to cooperate with them."

"HSBC refused to lower the mortgage, so I had no choice but to change banks." Chen Zhiwen shrugged and said, although he wanted to have a long-term cooperation with HSBC, even a little more profit in the initial stage would not matter.

But business cooperation is actually a bit like chasing girls. It is not a good thing to keep begging the other party. When it is appropriate, you should also express that I can do without you, so that the other party will cherish it.

Of course, the premise is that you really have this ability, and it’s okay to leave, otherwise, you still have to lick.

"I have recently purchased a lot of B-type official documents in exchange for land certificates. Do you want to transfer them to you?" Chen Tianfu continued.

"No, Dad, let's keep it for now. In a few years, you should be able to sell it for a good price. At that time, you can use it to develop Hengyi and strive to make Hengyi one of the five real estate tigers." Chen Zhiwen said with a smile .

"Haha, I owe you a good word." Chen Tianfu laughed.

"Why are you laughing so happily?" Wu Xiuling came down from upstairs, her eyes filled with joy when she saw her son, and she said, "Awen, I will take you to meet a friend of mine in a few days."

"Why did your friend ask me to meet?" Chen Zhiwen asked suspiciously.

"Just to get to know each other, my son is so handsome and promising, he should give credit to your mother and me." Wu Xiuling said with a smile.

Chen Zhiwen then asked: "Then your friend, do you happen to have a daughter who is in the same grade as me?"

"No." Wu Xiuling directly denied.

"Really?" Chen Zhiwen had a look of disbelief, this was not the first time.

"Really." Wu Xiuling was stared at by her son for a moment, and said, "She is my friend's sister, but she is about the same age as you, and she is very beautiful."

"Sister? Isn't that messing up the seniority? I'm really married to your friend's sister, so you won't be her elder anymore." Chen Zhiwen analyzed righteously, and Chen Tianfu on the side laughed.

"As long as you get married early, it doesn't matter if I'm my friend's junior, bastard, you have to go." Wu Xiuling showed off.

"No, I'm still early? Let's talk about it in a few years." Chen Zhiwen shook his head quickly, took the milk and melon seeds on the table, and ran up the stairs.

Wu Xiuling, who was behind "Rabbit", looked at Chen Zhiwen for a while and then lost her energy, and said to Chen Tianfu angrily, "You don't care about your son."

"What's the matter? My son has such a big achievement now, you think that such a big event as marriage will be up to you and me, don't even think about it." Chen Tianfu read it very openly, and continued to read the newspaper steadily.

"No matter how high the grades are, he is still my son." Wu Xiuling sat down a bit pettyly, but was reminded by Chen Tianfu, she thought that her son's grades were indeed getting higher and higher, and she really couldn't control it in the future.

After entering the room, Chen Zhiwen walked out the inner door and came to the small balcony outside. This is a semi-sun room. There has been a typhoon these few days, and the balcony is very comfortable.

Just like in the previous life, this blind date really cannot be escaped anywhere. Parents of this generation hoped that their children would get married early. There is nothing wrong with it. It’s just that the concept of the times is different. Besides, with his current situation , even an aboriginal in the 1970s, it is impossible to get married so early.

Half a month later, RB Bank replied that they can try to cooperate with Chen Zhiwen. If there is enough collateral, they can give more loans, and the interest will increase by 2%. Immediately top up the mortgage amount.

Chen Zhiwen was not worried about this. It was already the second half of 1974. Although the stock market was still falling, the real estate market had almost fallen. In terms of the bubble in 1973, the stock market was much bigger than the real estate market. , real estate is still a strong residential attribute, which is a necessary condition for human survival. At the same time, Hong Kong is not like the mainland of later generations. There is no place to live in the city and you can go back to the countryside. When the local price drops to 30-40% of the peak, it is basically the bottom Yes, but it will last for a while, and it will slowly rise in 1975, and it will become popular again in 1976.

To buy a new real estate, you still need the principal, so Chen Zhiwen transferred 30 million funds from HSBC and deposited them in a local bank in Hong Kong. Shen Bi will definitely know about the outflow of funds, but there is no movement for the time being.

Of course, the three buildings that Huodoli was looking for were still traded through HSBC. RB Bank will have to wait until the next time they find a suitable property and purchase it before cooperating.

Since then, the amount of funds left on the bright side of Hong Kong has basically been almost exhausted, and Chen Zhiwen has not paid attention to it anymore, because there have been new achievements in the United States.