radicalducati Page 655
Page 655
At that time, I will naturally consider putting some of the lathes on the market and selling them.
After He Yuzhu briefly introduced the relevant situation to Liao Lieying, he led him into the office to begin preparing the various documents required for the loan application.
In the afternoon, sunlight streamed through the clouds, casting a golden glow, and a gentle breeze rustled the leaves of the trees lining the streets.
He Yuzhu, dressed in a sharp suit, walked steadily down the road, with the youthful and beautiful Liao Lieying following closely beside him.
After some twists and turns, they finally arrived at the Bank of East Asia, located in the bustling Central district.
Compared to the Liu Chong Hing Bank located in Sheung Wan, this place is clearly much grander and more magnificent. The bank building soars into the clouds, exuding an imposing presence and showcasing its formidable strength and prestigious status.
The history of Bank of East Asia is truly legendary. When it was first established, nine outstanding Chinese individuals participated, each a leader in their respective fields.
As a result, these nine families obtained permanent board seats on the bank's board of directors, which have been passed down from generation to generation to this day.
Today, the bank's chairman of the board is none other than the renowned Mr. Jian Dongpu. Furthermore, he also serves as the bank's general manager, overseeing the entire bank's operations and development.
The person He Yuzhu had scheduled to meet today was Jian Dongpu, a man of great power and influence.
The Bank of East Asia is located at 10 Des Voeux Road Central, Central. This property is owned by the bank itself. The fact that it owns its own property in the prime location of Central is enough to demonstrate the bank's strength.
After entering the bank lobby, He Yuzhu and Liao Lieying took the elevator upstairs. After waiting in the reception room for a few minutes, staff members came to guide them to Jian Dongpu's office.
When the two entered the office, Jian Dongpu had already stood up to greet them, his face beaming with a warm smile.
However, when his gaze swept over Liao Lieying behind He Yuzhu, he couldn't help but pause slightly, then asked with a look of surprise:
"Aying, what are you doing here?"
Then, he looked He Yuzhu and Liao Lieying back and forth with a suspicious gaze, as if trying to find some clues from their expressions and behavior.
He couldn't help but wonder to himself, could it be that the Liao family intends to recruit He Yuzhu as their son-in-law?
Just then, Liao Lieying quickly stepped forward, bowed slightly, and greeted Jian Dongpu.
"Uncle, hello! I'm just here to help Mr. He with some things. As you know, he's not particularly familiar with loan business."
Jian Dongpu nodded with a smile, but he didn't completely believe what Liao Lieying said.
After all, the man before them was He Yuzhu, a rising young talent whose reputation had recently soared; and standing beside him was the legitimate daughter of the Liao family.
The fact that the two of them are walking side by side suggests that their relationship is probably not as simple as she claims.
After everyone had taken their seats, Jian Dongpu broke the silence first and asked directly:
"From what Miss Liao said, it seems that Mr. He has come here today because he needs a loan?"
He Yuzhu nodded slightly in agreement:
“That’s right, Uncle. To be honest, I’ve always been quite cautious in my actions, so the company’s operating funds have been mainly supported by my own capital, and I’ve never lent out a single penny.”
However, the company's development has now reached a critical bottleneck, and without taking some extraordinary measures, it will be difficult to achieve any major breakthroughs.
Therefore, after careful consideration, I have decided to use my property as collateral to obtain a loan from your bank to alleviate my immediate financial crisis.
Hearing this, Jian Dongpu thoughtfully stroked his chin, then asked:
"Oh? Well then I'm a little curious. Since Ms. Liao's bank, Liao Chuangxing Bank, is a financial institution with considerable strength and reputation, why didn't Mr. He consider going to them instead of going to such lengths to apply for a loan?"
Before He Yuzhu could answer, Liao Lieying spoke up first to explain:
“Oh dear, Uncle, you don’t know this, but Mr. He’s loan this time is quite large, a full 1500 million in cash! Given the current size of our Liao Chuangxing Bank, it is indeed difficult for us to handle such a huge loan.”
"What?! A whopping 1500 million!"
Upon hearing this, Jian Dongpu couldn't help but cry out in surprise. Clearly, this number far exceeded his original expectations.
Hong Kong's economy is only just beginning to emerge and is showing some signs of improvement. It will be a long time before it can be considered one of the Four Asian Tigers, perhaps in the 1970s or 1980s.
At this moment, looking around, the entire city is a scene of ruins and desolation, and the living standards of ordinary people are extremely low, with a monthly salary of only around 200 yuan.
To put it in perspective, 1500 million is an astonishing astronomical figure these days! After all, even the Bank of East Asia has never spent more than 1000 million on any single loan over the years.
However, He Yuzhu bluntly stated that he wanted to apply for a loan of 1500 million yuan.
Faced with such a high loan amount requirement, some people couldn't help but exclaim:
"This loan amount is way too high!"
In response, He Yuzhu stated:
“I will use all my own properties as collateral, and the total value of these properties is now as high as 2200 million.”
Immediately afterwards, someone else asked curiously:
"Have you really invested all your assets in the real estate industry?"
He Yuzhu nodded without hesitation:
“That’s right, I’m very optimistic about Hong Kong’s future development prospects. Apart from the two office buildings I bought from the Liao family, all the rest of the funds have been invested in the industrial building project.”
Jian Dongpu sat in his spacious and bright office, his brows furrowed, clutching the loan application document tightly in his hand.
His gaze darted back and forth between the documents and the phone on the table, his mind filled with hesitation. After much deliberation, he finally picked up the phone and dialed a familiar number.
Chapter 454 Registered Patents
A moment later, hurried footsteps approached, the door was gently pushed open, and Feng Bingfen walked in.
As the head of the Feng family, one of the four major families, Feng Bingfen was dignified and exuded authority and confidence in every gesture.
Today, the Fung family not only controls a vast family business, but is also an important member of the board of directors of the Bank of East Asia.
What's even more noteworthy is that Feng Bingfen had another identity—Jian Dongpu's son-in-law.
With Feng Bingfen's arrival, the somewhat tense atmosphere eased a little.
Jian Dongpu, Feng Bingfen, and two other staff members sat together, preparing to conduct a detailed discussion and review of the loan application.
First, the two of them carefully reviewed all the relevant materials page by page.
Every line of text and every number was meticulously checked to ensure there were no omissions or errors.
Time passed slowly, and finally, they completed the review of all the materials.
Jian Dongpu raised his head, looked at He Yuzhu who was anxiously waiting across from him, and slowly said:
"Based on the information we have at present, we are in principle able to provide you with this loan."
However, if such a huge loan were issued all at once, our bank would face a severe shortage of liquidity.
He Yuzhu nodded silently, indicating his understanding.
He knew full well the reason why Liu Chong Hing Bank had recently experienced a massive run on its banks: the bank had used most of its funds for lending, resulting in a severe shortage of liquid funds.
In addition, malicious rumors spread by some people nearly plunged Liu Chong Hing Bank into the brink of liquidation and bankruptcy.
Therefore, he was not surprised that Bank of East Asia was taking a cautious approach at this time.
"The loan we applied for will be invested entirely in the land acquisition and industrial building construction project. The initial plan is to build a total of 13 brand-new industrial buildings!"
He Yuzhu spoke with unwavering determination about their grand vision.
"Furthermore, regarding the use of this loan funds, we are considering adopting a phased payment method."
Of course, this is all predicated on ensuring that the entire construction process is not delayed or disrupted in any way.
He Yuzhu then explained.
In reality, he did not pocket all the money at once, but cleverly chose to withdraw it in installments.
For example, the bank will only release the loan to pay the corresponding land fees after the land purchase transaction is completed, based on the actual situation.
Once construction officially begins, the bank will allocate funds gradually and systematically based on the specific construction progress of each building.
After careful consideration, Jian Dongpu and Feng Bingfen exchanged opinions, and finally the former spoke:
"Even with this arrangement, we still feel a lot of pressure on our shoulders."
"Would you like to see if this is feasible—could we try a second mortgage loan? That is, could we partner with Hang Seng Bank to provide you with this loan service?"
It turns out that He Yuzhu's initial plan was exactly like this:
If the Bank of East Asia is not interested in this business or refuses to cooperate, he will not hesitate to turn to Hang Seng Bank for help.
If even Hang Seng Bank cannot meet the demand, then the only remaining option is to seek help from HSBC and Standard Chartered Bank, the two most influential British banks in Hong Kong.
After all, at this moment, in terms of strength and scale, HSBC and Standard Chartered are still the two giants with the most power.
Fifteen million is indeed a large sum for an ordinary Chinese bank, but for the power represented by Jian Dongpu, such an amount is not unbearable.
However, out of caution and the need to diversify business risks, Jian Dongpu, after careful consideration, ultimately decided to transfer a portion of his loan business to Hang Seng Bank, with which he had a long-term partnership, for joint processing.
Upon hearing this decision, He Yuzhu agreed without hesitation and responded:
"no problem."
Immediately afterwards, Jian Dongpu showed his generosity by offering He Yuzhu a preferential loan interest rate, calculated at one percent per annum.
He Yuzhu quickly expressed his gratitude: "Okay, thank you, Uncle!"
Subsequently, the entire process proceeded very smoothly.
Feng Bingfen quickly assembled a group of experienced and highly skilled staff to carefully verify the relevant information.
It is worth mentioning that, thanks to the assistance of Liao Lieying, a capable assistant, all the submitted materials were flawless, with almost no flaws or loopholes.