jdhmnovel Chapter 37 Standard Chartered Bank Loans
Chapter 37 Standard Chartered Bank Loans
Haven't you realized that you've suffered a great loss?
It's like being sold out and then having to help the seller count the money.
The Quanxing Society's gray-market activities in Saigon, to say the least, generate at least tens of millions in profit annually.
So you just said you didn't want it and gave it away?
"By the way, what's your name?"
Wang Fengyi tapped her head and looked at Jiang Tiansheng.
“I remember now, your name is Jiang Tiansheng.”
Before Jiang Tiansheng could answer, Wang Fengyi suddenly said, "Jiang Tiansheng, that's a strange name. Are you also the leader of a gang?"
Jiang Tiansheng did not answer, but simply nodded.
"When will your gang be legalized?" Wang Fengyi blinked her big eyes and looked at Jiang Tiansheng.
"I haven't thought about it yet."
Jiang Tiansheng shook his head slightly.
He hadn't even considered that; it was simply impossible for Hung Hing to do so, and there was no need for them to whitewash their image.
That's not necessary.
"Oh"
Wang Fengyi said "Oh," thought for a moment, tilted her head to look at Jiang Tiansheng, and asked with a somewhat conflicted expression, "Hey, tell me, am I really that stupid?"
"Actually, you're not stupid, you just haven't experienced much of the world."
Jiang Tiansheng looked at Wang Fengyi and said seriously.
Wang Fengyi used to be the eldest daughter of the Quanxing Society. She didn't need to think about anything; everyone had to revolve around her and cater to her every whim.
For over twenty years, she has become accustomed to this kind of life.
Suddenly one day, Wang Dong, who was supposed to protect her, went to prison, and she was hastily made to inherit the position of the head of the gang.
She naturally assumed that everyone should listen to her and be at her mercy, which led to this outcome.
"I knew it, they're not stupid."
Wang Fengyi patted her small chest and looked at Jiang Tiansheng with a smug expression.
"Owner"
Just then, Zhen Gang came in from outside and nodded to Jiang Tiansheng.
"Bring him in."
When He Shichang was brought in, he had already been beaten beyond recognition.
“I’ll tell you everything…” He Shichang knelt on the ground and begged for mercy, then told everyone about the money he had hidden in the weapons and flour, and the address where it was stored.
To Jiang Tiansheng's disappointment, He Shichang didn't have much money at all. Although he seemed to be doing very well, all his funds combined amounted to less than 20 million.
This is far from what Jiang Tiansheng needs.
"Jiang Tiansheng, do you really need money right now?"
Wang Fengyi looked at Jiang Tiansheng and asked curiously.
"What? You're lending it to me?"
Jiang Tiansheng replied casually.
"sure."
Wang Fengyi said, then thought for a moment and said, "If you need it, I have 630 million here, which I can lend to you."
Upon hearing this, Jiang Tiansheng's heart skipped a beat, and he looked at Wang Fengyi: "Why did you lend me money? Aren't you afraid I won't pay it back?"
"Because you saved me."
Wang Fengyi smiled and said matter-of-factly.
Then he continued, "I'm not afraid you won't pay me back. Aren't you the leader of Hung Hing? If you don't pay me back, I'll go to Hung Hing and tell you that you owe money and won't pay it back."
As she spoke, Wang Fengyi burst out laughing.
"Don't worry, I'll definitely pay you back," Jiang Tiansheng said with a smile. "If you don't pay me back, I'll give the person back to you, how about that?"
"Hmph, I don't want you."
Wang Fengyi gave a soft snort.
Then he said, "Give me your account number, and I'll transfer the money to you as soon as the bank opens tomorrow morning."
The next day, Jiang Tiansheng looked at the extra HK$6.3 million in his account and sighed to himself, "It's hardest to resist the kindness of a beautiful woman."
"Xu Zhi, arrange for a clone to protect Wang Fengyi."
Jiang Tiansheng gave instructions to Xu Zhi.
During this period, Xu Zhi had used up all her clones, making a total of 10 clones including herself.
All nine clones possessed S+ level strength, while her main body broke through S level and reached SS level strength.
He became the strongest person after the Six Sword Slaves, Black and White Impermanence, and Alita.
Yu Wenhui, Li Xinxin, Ann, Haitang, and Madonna each have a clone of Xu Zhi by their side.
Of course, this couldn't be said to Yu Wenhui and the others; they were simply told that these were the bodyguards Jiang Tiansheng had found for them.
Now, there's another Wang Fengyi.
"Yes, Master."
After Xu Zhi left, Jiang Tiansheng glanced at the bank notification again and sighed.
It is most difficult to accept the kindness of a beautiful woman.
With this additional 6.3 million, Jiang Tiansheng had raised a total of 163 billion, which he then transferred into the company's account.
"Go and sign the contract with the Hong Kong government."
Upon arriving at the company, Jiang Tiansheng called Lin Huahui to his side and gave him instructions.
"Yes, Chairman."
Lin Huahui nodded, and then went to the Hong Kong government to negotiate.
A few hours later, Lin Huahui returned to the company with the contract signed with the Hong Kong government.
Meanwhile, Jiang Tiansheng also received news from the bank that all 163 billion yuan had been transferred out.
Now, Jiang Tiansheng only has a little over 50 million yuan left in his account.
"It's like going back to square one overnight."
Just two days ago, he still had more than US$16 billion in his account, which is more than HK$10 billion.
But in the blink of an eye, now only over 50 million remains.
"Fortunately, it was all worth it."
Looking at the contract in his hand, Jiang Tiansheng smiled.
Now, Tsing Yi Island is his, and next he will use this land to apply for a bank loan.
"Help me schedule an appointment with the HSBC executive," Jiang Tiansheng instructed his assistant and secretary, Cheng Wenjing.
"Yes, Chairman."
The so-called "bank taipan" is actually the bank's general manager and executive director, wielding immense power.
Jiang Tiansheng remembered that the HSBC tycoon in later generations was named Shen Bi, while the HSBC tycoon in this world was named Shen Bi. The names were different, but the pronunciation was the same.
Don't assume the person is Chinese just because their name is Shen Bi; they are actually a native Scotsman.
If it were the old Jiang Tiansheng, he certainly wouldn't have been qualified to meet with the other party.
Shen Bi would not meet with any members of a triad.
But now, Jiang Tiansheng's status is different; he is the chairman of Tiansheng Telecom.
It's obvious to anyone with eyes to see that Tiansheng Telecom is slowly replacing Hong Kong's telephone companies.
In fact, if Jiang Tiansheng had been given a chance, Xiaolingtong (a type of mobile phone service) could have gone global.
"Chairman, it's arranged. Shen Daban said he has half an hour from 3:00 to 3:30 this afternoon," Cheng Wenjing reported to Jiang Tiansheng upon her return.
"kindness"
Jiang Tiansheng nodded and said, "Go down."
"Yes, Chairman."
Jiang Tiansheng spent the entire morning handling company affairs.
The company is about to be formed into a group.
Jiang Tiansheng faced a choice: should the group be named after the Jiang family, or should it use a different name?
"The name 'Jiang' is too conspicuous and not conducive to future development." After thinking it over, Jiang Tiansheng finally gave up on using "Jiang" as the group's name.
After being drunk, I don't know that the sky is on the water, and the boat is full of dreams and the galaxy.
Suddenly, Jiang Tiansheng thought of this poem, and then a dreamlike scene appeared in his mind.
"Let's call it Galaxy Group..."
Jiang Tiansheng made up his mind instantly: from now on, the group would be called Xinghe Group.
Before we knew it, it was 2:30 in the afternoon.
Jiang Tiansheng set off and arrived at the HSBC building at approximately 2:55 PM.
When Jiang Tiansheng met Shen Bi, it was exactly three o'clock.
"Mr. Jiang is very punctual."
Shen Bi looked at Jiang Tiansheng and said with a smile.
"I value time the most," Jiang Tiansheng replied with a smile.
"Mr. Jiang wants to see me. What brings you here?" Shen Bi asked Jiang Tiansheng in a calm tone.
“I want to get a loan from HSBC.”
Before Shen Bi could speak, Jiang Tiansheng continued, "Shen Bi can take a look at this first."
"it is good"
Shen Bi took it and glanced at it.
He was about to refuse because he didn't like the other person.
He had clearly stated that he was available from 3:00 PM to 3:30 PM, but the other party delayed coming.
Shouldn't you have come early and waited for me to finish?
When he expressed his dissatisfaction, Jiang Tiansheng replied with "sense of time," making his dissatisfaction seem like a joke.
Because Westerners have always valued the concept of time.
Shen Bi had already decided that whatever Jiang Tiansheng handed him, he would read it, because it was a matter of courtesy.
Politeness is not for others, but for yourself.
However, after reading it, regardless of the content, he would refuse the other party's loan request.
"Is Mr. Jiang planning to use this as collateral?" Shen Bi asked directly after reading it.
"Yes."
Jiang Tiansheng nodded.
"Mr. Jiang, how much are you planning to borrow?" Shen Bi asked Jiang Tiansheng.
"That depends on how much HSBC can lend me," Jiang Tiansheng said, returning the question to the other party.
"800."
Shen Bi did some mental calculations and finally came up with a number.
He initially wanted to refuse, but this was land on Qingyi Island, and the other party was using it as collateral, so he had no choice but to accept.
He may be the tycoon of HSBC, but HSBC doesn't belong to him.
He is also responsible to the various directors of HSBC. If he were to miss out on such a high-quality loan, the board would certainly condemn him.
Moreover, he wouldn't allow such a valuable collateral to slip through his fingers.
"800? No problem. How long will it take to get the money?" Jiang Tiansheng asked Shen Bi.
The land on Tsing Yi Island was worth at least 100 billion from the moment he acquired it.
Of course, when you take out a mortgage, the bank will never lend you money based on 100% of the value.
Providing a loan of 80% is already considered quite high.
Of course, if HSBC is unwilling to lend him money, he can also apply for a loan from Standard Chartered Bank, which will also be willing to lend him money.
"The money will be transferred to Mr. Jiang's account within three days," Shen Bi promised Jiang Tiansheng.
800 billion seems like a lot, but for a deep-pocketed company like HSBC, it's just so-so.
"it is good"
Subsequently, Jiang Tiansheng signed a contract with Shen Bi.
Jiang Tiansheng used the land on Tsing Yi Island to borrow HK$800 billion from HSBC, with interest of HK$45 billion, to be paid in three years, with an annual payment of HK$15 billion.
Three years later, the principal of HK$800 billion will be returned.
If Jiang Tiansheng is unable to repay the 800 billion by then, the land on Tsing Yi Island will belong to HSBC.
After receiving the 800 billion, Jiang Tiansheng's first task was to repay the Hong Kong government the 700 billion.
In the past three days, Jiang Tiansheng has officially established Xinghe Group and incorporated Tiansheng Telecommunications Company, Yinhan Mobile Phone Company, and the mobile phone factory into it.