Chapter 1548： Whether you borrow money or not depends on who it is

There is no absolute fairness in this world.

Especially in business.

After classmate Yu Zhu failed after the Giant Group and came out a few years later, countless business tycoons contributed to him and propaganda for him. Only then did he make a comeback in a short period of time and once again achieved some great achievements.

In addition, Mr. Chu from the Caiyun Tobacco Factory came out in his 70s after he was in jail. He started his business again without money. Within 10 years, he was rich. Doesn't it also rely on the help of previous friends?

If you change another person, change an ordinary person, can you tell the big brother to hold millions of dollars and say to you, "Sir, let's use this money to start a business, you can make money and repay it, don't make any money Are you worried?

The connections between the rich and the rich, as well as his circle of friends, have opportunities that ordinary people can't reach in their entire lives.

After they failed, as long as they seized an opportunity, they could have huge amounts of wealth again.

So, under normal circumstances, the rich will be richer, and the poor will be poorer.

The same is true of Yin Jun now borrowing money.

As long as Yin Jun went out and shouted, "I want to borrow money," at least 100 bank managers would rush over holding the contract book and ask Yin Jun to sign a loan contract.

As long as Yin Jun wanted, one billion dollars, or even two billion dollars, would immediately be lent to him by the bank without blinking.

And don't think that the interest rate will be very high, which is at most 7%, and it is not impossible to reach 5%.

Does it look exaggerated?

Poor people want to borrow 200,000 to buy a house, which is very difficult, and the loan interest rate will be about 15%.

But Yin Jun wanted to borrow 2 billion US dollars, but at most it was only 7% interest. If it was too high, the bank would cut it by a few percentage points.

One percentage point is the interest of tens of millions of dollars!

Why is Yin Jun loan so easy?

The reason is simple, because Yin Jun has enough capital.

Never think that bankers are good people. On the contrary, they are one of the most vicious and cruel people under the law.

In the ancient times, how many people were ruined by money sharks and usury loans, but modern times are almost the same. I do n’t know how many SMEs were overwhelmed by the bank ’s high interest rates.

They are willing to lend to Yin Jun, of course, because the assets held in Yin Jun's hands are very high-quality and very potential assets.

If Yin Jun ca n’t afford it, of course, they also hope that Yin Jun ca n’t afford it, then so many amazing growth assets of Kirin Group will become their bank ’s pocket.

At that time, whether you run it yourself or sell it to others, you can make a fortune.

Even if Yin Jun is lucky and has not failed in bankruptcy, then there is interest in lending money to Yin Jun.

Don't look at the overall low interest rate, but Yin Jun loaned billions of dollars, how many small and medium-sized enterprises did they have to find, and how many personal lenders could they find in order to lend the money?

But banks also rely on loan interest to make money.

Yin Jun lent money to interest, and they earned loan interest, which is also a good thing!

Look!

No matter whether Yin Jun succeeds or fails, the bankers can get benefits. Do you want them to lend Yin Jun money?

The teenager naturally understands this.

But he didn't think it would be bad.

Living in this world, ox, ghost and snake **** will meet, if the people who want to meet are all good people ... then children, this world is really not for you.

Bankers have their own ideas, and of course Yin Jun also has countermeasures.

It is definitely risky to earn yourself by borrowing other people's money.

If the risk cannot be controlled to a certain degree, Yin Jun will never borrow money.

But how can a teenager with 40 years of memory miss the chance?

As long as you seize those once-in-a-lifetime opportunities, the money in Yin Jun's hands is no longer arrears, but an important boost to help yourself get rich and achieve a career!

The more you borrow, the more you will naturally earn.

It is true to think so, but in the specific operation process, Yin Jun still has to be careful.

First of all, the choice of which bank to borrow money from is a problem.

HSBC still has a US $ 1.5 billion limit, but this time it can be fully used.

After helping to stabilize the Hong Kong dollar exchange rate, Shen Bi appreciated Yin Jun ’s bold and keen observation.

HSBC Bank, which is responsible for issuing banknotes, also accepts the favor of Yin Jun, so the remaining 1.5 billion US dollars amount can be taken out once without having to divide the loan several times.

Yin Jun, the second-largest Standard Chartered Bank in Xiangjiang, was reluctant to go, let alone Xiangjiang Commercial Bank. They did not struggle from the crisis. A local HSBC bank loan would be sufficient.

The Mitsubishi Financial Group on the other side came to Yin Jun to discuss the possibility of cooperation, but Yin Jun still did not consider them.

Japan. I have money, and Mitsubishi Financial Group is rich. The second Sumitomo Bank and the third Mitsui Banking merged into one, and they can only be ranked second. You can imagine how powerful they are.

But Yin Jun has now borrowed 1.6 billion from Mitsui Banking Corporation and 2.5 billion from Sumitomo Bank. If he borrows another one or two billion US dollars, his debts in Japan will be almost 6 billion US dollars.

Although Yin Jun can survive, this is also a very dangerous number.

Even if it is a loan, it should be dispersed, otherwise these creditors will be united, which will be detrimental to Yin Jun.

So Yin Jun put the loan object on the bank of South Korea.

Busan Bank ranks fourth among the five largest banks in South Korea. It is not the largest, but its assets exceed US $ 10 billion, and its assets under management exceed US $ 100 billion.

Some time ago, when Busan Bank gave a loan to Henderson Land, Yin Jun and their chairman ate a meal, and the signals they released were very positive, and the $ 1 billion loan was no problem.

After all, in the 1980s, it was not only the Japanese economy that took off, but South Korea was not much worse than the Japanese economy.

At this time, South Korea is full of consortiums. It is not like in 2020, only three or four consortia are left to support the scene.

One billion dollars is certainly not enough.

Yin Jun ’s next partner is Singapore ’s Development Bank, or DBS Bank for short.

This is the only commercial bank in Singapore that claims to be the only one in Asia that can compete with HSBC and outperform HSBC on the respected index.

The four little dragons in Asia, by 2020, are the only ones that can maintain the successful results.

Then the winners naturally have their way to success.

So Yin Jun still respects this enemy very much.

DBS Bank, which is controlled by Temasek, is regarded as the National Bank of Singapore. It has always been the first weighted stock in the Singapore stock market.

With such a strong strength, in the face of Le Yiling's tentative 3 billion USD loan, it only took a month to start the follow-up contact, which was even simpler than the Busan Bank.

Yin Jun received a $ 5.5 billion loan from these two banks, which was basically sufficient.

But the well-informed Pangu Bank, Mr. Chen, also called Yin Jun, saying that he had money for Yin Jun.

The young man was a Korean credit soldier at this time, and it was more beneficial. Since the old man had enough funds in hand, Yin Jun also borrowed $ 1 billion without hesitation.

As a result, at most in January next year, Yin Jun will have $ 6.5 billion in loans.

At the Bank of Busan, Yin Jun ’s collateral is a 20% stake in Kirin Culture-of course, these are the removal of the previously mortgaged Transformers toys and Saint Seiya dolls.

With the sales of the world's first comics and stand-alone books in "Kylin Weekly" alone, as well as the countless treasures that can be used as peripheral products, and the 20% share mortgage, Busan Bank is already very satisfied.

DBS Bank's vision is even more vicious.

The collateral they chose was Kirin Communications, which included all mobile phone patents.

At present, the patent purchase of Kirin Communications is only about 700 million U.S. dollars, and the mobile phone business is only covering the whole Xiangjiang. The largest business is still a mobile phone contract with the US National Telegraph and Telephone Company.

However, DBS Bank has taken a fancy to the development potential of mobile phones, and feels that mobile phones in the future are bound to have a promising future.

In fact, Singapore Telecom has already begun negotiations with Kirin Communications and Xiangjiang Telephone Company, and is planning to open a mobile phone business in Singapore.

In this world, Singapore and Xiangjiang are the two most similar cities.

All are highly developed modern cities, all are densely populated cities ~ www.novelhall.com ~ are all cities on a small island.

Therefore, Xiangjiang ’s mobile phone business is developing better and better. Singapore immediately knew that this business would certainly have a future in its own country.

They didn't have to spend much effort to buy patents and equipment directly from the side of Xiangjiang. After they were set up, they would wholesale the mobile phones and use them directly.

Before lending to the Kirin Group, Singapore's Temasek Executive Vice President once tentatively asked Le Yiling if they could buy the entire Kirin Communications Company at a cost of $ 4 billion.

Le Yiling naturally refused without hesitation.

My hometown Jun said that the future market value of Kirin Communications will be at least 200 billion US dollars. You want to buy 4 billion US dollars in your area. Dream about it!

The remaining Pangu Bank, Yin Jun originally wanted to take out the Kirin computer as a collateral, but Chen Bicheng insisted on not collateral, saying "Ajun, you are the best guarantee."

When meeting such an old man, the teenager can only sigh his luck.

Let ’s say it ’s now. Let ’s take the case when I first arrived in Xiangjiang. If Chen Bicheng had educated Chen Youhan, Yin Jun ’s first pot of gold might have to be accumulated half a year later.

The whole loan negotiation started from October this year, and now the dust has settled in December, only a short period of 3 months.

It took $ 6.5 billion in loans in three months. This efficiency is super high.

There is no company in Asia that can easily make loans like the Kirin Group.

On the one hand, it proves that the Le Yiling team has good negotiation ability and high execution ability, but more importantly, the Kirin Group is like a sweet bun in the capital market!

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