People have weaknesses, and so do people who make a lot of profits. Although their income at HSBC is certainly not low, compared to the clients they face and the money they often handle, their own income can be said to be a drop in the bucket. The middle management of HSBC must also have many connections, especially in the banking and financial industries.
Under normal circumstances, it would be difficult for Chen Zhiwen to obtain a high-amount loan, but this is Hong Kong. In a few years, the entire financial industry, including HSBC, will be played by Chen Songqing, which shows that greed can far exceed high IQ. .
Chen Zhiwen naturally won't play that big. He just wants to get more funds so that he can 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.
A week later, on the recommendation of Lu Weichun, Chen Zhiwen met the so-called "small bank", which turned out to be the branch of RB Bank in Hong Kong.
After some conversation, I learned that some of RB's banks entered the Hong Kong market through equity participation in early 1973 when the stock market crisis occurred in Hong Kong. They thought they had made a profit. However, when the oil crisis hit later, RB also had problems in its own country. , Fortunately, the oil crisis came and went quickly, and it was over in half a year.
But as a result, in one year, RB Bank's business in Hong Kong has not made any progress. After Hong Kong's real estate crisis, many real estate companies are eager to reduce their debts to protect their capital. Even old foxes in the business world like Li Jiacheng have raised funds through stock market financing. Instead of bank loans, at the same time, a large number of people come to banks to deposit money. If the money cannot be loaned out, they will suffer serious losses.
Therefore, with the combination of interests, middle-level people at HSBC like Lu Weichun have very high value, because he knows many people who are short of money but cannot get loans from HSBC.
After a conversation, the representative of RB Bank said that he needed to report the specific situation to the headquarters. If there were no major problems, then the two parties could cooperate.
After finishing the Japanese meal, Chen Zhiwen went home and told his father Chen Tianfu about the incident.
Chen Tianfu thought for a while and said: "I know that RB Bank has money. Many shipping kings in Hong Kong actually borrowed their funds not from Hong Kong banks, but from RB. It would be 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 was thinking of long-term cooperation with HSBC, and it didn't matter if he even gave more profits in the early stage.
But business cooperation is actually a bit like chasing a girl. It's not a good thing to keep begging the other person. When appropriate, you have to show that I can do without you, so that the other person will cherish you.
Of course, the premise is that you really have the ability, and you can leave. Otherwise, you still have to lick.
"I have recently purchased a lot of B-type official letters in exchange for land certificates. Do you want to transfer them to you?" Chen Tianfu continued.
"No, dad, please keep it for now. In a few years, you should be able to sell it for a good price. Then 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'm borrowing your good words." Chen Tianfu laughed.
"Why are you smiling so happily?" Wu Xiuling came down from upstairs. After seeing her son, her eyes were filled with joy and she said, "Awen, I will take you to see a friend of mine in a few days."
"Why did your friend ask me to meet you?" Chen Zhiwen asked with a suspicious look on his face.
"Just get to know each other. My son is so handsome and promising. He will bring glory to your mother and me." Wu Xiuling said with a smile.
Chen Zhiwen then asked: "Does this friend of yours happen to have a daughter who is about the same grade as me?"
"No." Wu Xiuling denied directly.
"Really?" Chen Zhiwen looked unbelieving. This was 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 confusing the seniority? If I really marry your friend's sister, you will no longer be her elder." Chen Zhiwen analyzed righteously, while Chen Tianfu on the side smiled.
"As long as you get married early, it doesn't matter if I am my friend's junior. Bastard, you have to go." Wu Xiuling showed her cards.
"No, I'm still too early? Let's talk in a few years." Chen Zhiwen shook his head quickly, took the milk and melon seeds on the table, and ran up the stairs.
"You bastard..." Wu Xiuling, who was behind, looked at Chen Zhiwen and lost all his energy for a while, and angrily said to Chen Tianfu, "You don't care about your son."
"What do you care? With my son's great achievements now, do you think he will listen to you and me on such a big thing as marriage? Don't think about it." Chen Tianfu looked at the newspaper calmly and calmly.
"No matter how good his grades are, he is still my son." Wu Xiuling sat down a little stingily, but after being reminded by Chen Tianfu, she thought that her son's grades were indeed getting higher and higher, and she would really have no control over him in the future.
After entering the room, Chen Zhiwen walked out of the inner door and came to the small balcony outside. This was a semi-sunroom. There had been a typhoon in the past few days, so the balcony was very comfortable.
Just like in the previous life, this blind date thing really cannot be escaped anywhere. Parents of this generation hope that their children will start a family early. It cannot be wrong, but the concept of the times is different. Besides, given his current situation , even a native born in the 1970s would not be able to get married so early.
...
Half a month later, RB Bank responded with a message that they could try to cooperate with Chen Zhiwen. If there is enough collateral, more loans can be given, and the interest will increase by 2%. In addition, if house prices plummet, it will be necessary Top up the mortgage amount immediately.
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 also fallen almost as much. In terms of the bubble in 1973, the stock market was much larger than the real estate market. Another one Real estate is still a strong residential attribute and is a necessary condition for people's survival. At the same time, Hong Kong is not like the mainland of later generations. If you don't have a place to live in the city, you can still go back to the countryside. When the local price dropped to the peak of 30 to 40%, it has basically reached the bottom. , but it will last for a while. It will slowly pick up in 1975, and it will become popular again in 1976.
Naturally, purchasing new real estate still requires principal, so Chen Zhiwen transferred 30 million funds from HSBC and deposited it in a local bank in Hong Kong. Shen Bi would definitely know about this outflow of funds, but there was no news for the time being.
Of course, the three buildings that Huiduoli was looking for were traded through HSBC. RB Bank will have to wait until the next time it finds a suitable property for acquisition before cooperating.
Since then, the amount of funds remaining in Hong Kong has basically been exhausted, and Chen Zhiwen has no longer paid attention to it because there have been new results in the United States.
