Chapter 108: 108

·After arranging the production tasks of Huanyu electronics, Gao Xian's next responsibility is to make the funds available quickly.

Of course, the holding company of Huanyu electronics, Gaoyi company, can pay the money.

However, Gao Xian doesn't want to occupy the valuable cash flow of Gaoyi company. It's better to rely on Huanyu electronics's own hematopoietic system

At this time, Gao Xian's letter of credit from Charles Tandy showed his value. It can convert long-term accounts receivable into immediate working capital through bank loans.

Therefore, Gao Xian did not rush back to the Far East Exchange to report his work, but ran to Huifeng bank in the afternoon.

As we all know, Huifeng bank is the world's first powerful "wet nurse" of Xiangjiang capital. If anyone can please her and be "kept" as the richest man in Xiangjiang, it's nothing to say, such as Bao Yugang and Li Bancheng; If they are rejected, they will be wound up mercilessly, such as Yang Shoucheng.

Some people may doubt that the rise and fall of Huifeng bank is a constant law. Why haven't you seen it? Huifeng bank has bad luck in its commercial operation alone.

After all, strong as Standard Chartered Bank, another British banknote issuing bank in Xiangjiang, and Jardine's foreign bank, the largest consortium in Xiangjiang, have encountered imminent acquisition risks in their own business history.

Some people may naturally come up with an answer. Huifeng bank is the quasi Central Bank of Xiangjiang. Of course, it will not stand down.

But is Huifeng bank the quasi Central Bank of Xiangjiang?

After coming to this era, Gao Xian naturally had to study Huifeng bank and found many special features of this behemoth.

Huifeng bank, founded more than 100 years ago, was originally intended to be different from other banks and to provide financial services to local foreign banks in Xiangjiang wholeheartedly. Therefore, it has received the support of all foreign banks in Xiangjiang except Jardine's foreign bank.

The reason why Jardine Matheson missed the founding membership of Huifeng bank is that it does not want to cooperate with its main competitor - Baoshun foreign bank; Second, Jardine Matheson is also doing exchange business and is reluctant to give up.

It is not hard to imagine that up to now, most of the foreign banks that originally supported the establishment of Huifeng bank have been swept into the dustbin of history.

However, Huifeng bank has retained a mechanism originally established, namely the Huifeng bank regulations.

In short, although Huifeng bank is a public company listed in Xiangjiang, it does not abide by the company law in Xiangjiang regulations, but implements its own Huifeng bank regulations.

You know, in Xiangjiang, Huifeng bank is the only one who enjoys such privileges, and Jardine Matheson does not have such benefits.

What does that mean?

It is a bit similar to the magic immunity and physical immunity in video games. All capital operations, including acquisition, are invalid for HSBC.

Conversely, if Huifeng bank is aware of the hostile action, the "big milk" can become "poisonous milk" in an instant. The "death finger" big move of the quasi central bank, at any rate, can make the wrongdoers disappear.

Gao Xian, who clearly sees such situations, does not pursue anything else now. He just wants Huifeng bank to take a bite of its own milk.

Gao Xian's focus on HSBC's loans is naturally for a reason.

Grades are everywhere. Xiangjiang banking takes Huifeng bank as its priority. If you can get loans from this benchmark and then go to other banks for loans, you can rely on this reference to reduce many operational difficulties.

……

It has to be said that Gao Xian has really accumulated a lot of contacts by participating in the international investment seminar hosted by David Rockefeller.

He didn't talk to a manager in the Credit Department of Huifeng bank for a few minutes, but he saw a person he knew - the supervisor here, Shen Bi.

Gao Xian has made his reputation in Xiangjiang central financial district. Of course, Shen Bi knows him.

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Seeing Gao Xian greeting himself, Shen Bi came over and said, "Mr. Gao, I heard you went to the United States on business?"

"I just came back today." Gao Xian nodded. "I want to borrow a sum of money from Huifeng bank. I don't know if I can help?"

Shen Bi nodded and sat down where the manager stepped aside. "I don't know what is the purpose of Mr. Gao's loan from Huifeng bank?"

"It is mainly used for Huanyu Electronics' capacity improvement, parts procurement, etc." Gao Xian pointed to the huanyu-8800 calculator on the table and asked, "have you heard of the name of Huanyu Electronics?"

"Of course." Shen Bi said with a smile, "things related to Mr. Gao seem to be famous very quickly."

Gao Xian went straight to the point and said, "is Huifeng bank willing to lend me a loan?"

"No problem." Shen Bi said happily, "how many loans does Mr. Gao want to apply for?"

Gao Xian inquired: "how much can I borrow from HSBC at most?"

"One million Hong Kong dollars." Shen bichengzhu replied in his chest, "Mr. Gao should understand that Huifeng bank has done its homework in advance for celebrities like you."

"It's only one million, or Hong Kong dollars, which is a world away from the treatment enjoyed by Bao Yugang, the richest man in Xiangjiang now!" Gao Xian couldn't help being angry.

Shen Bi raised his head a little proudly and asked, "has Mr. Gao thought about it? How many loans are you going to apply for?"

"If you add this, can you increase the loan limit?" Gao Xian took out the US $250000 letter of credit issued by Citibank from his briefcase and pushed it slowly along the table.

"The letter of credit of Wanguo Baotong bank?" Shen Bi looked surprised.

You know, the letter of credit is not opened casually, because the bank takes the uncontrollable commercial risk into its own head, and then will strictly review the qualification of the letter of credit applicant

Take this letter of credit from Citibank. Citibank trusts Charles Dundee, not Gao Xian.

Shen Bi then looked unhappy and said, "Mr. Gao, you should take out this letter of credit earlier."

If Shen Bi were not a ghost guy but a Chinese, he would certainly integrate his unhappiness into one sentence, "if you don't pretend to be Boyi, you will die!"

Gao Xian quickly explained with a smile: "don't think about it. I'm just curious. How much credit am I worth here at HSBC?"

Shen Bi revised the result and said, "it's 2.5 million now."

"This number is really ugly." after Gao Xian's stomach Fei said, he asked another key question, "how much is the interest?"

"The one-year loan interest rate is 6%, and the floating range is 10%. Shen Bi replied meticulously.

Gao Xian sighed, "I feel the interest rate is a little high."

"We can discuss again, but..." Shen Bi looked at Gao Xian up and down. "I need to see the regular financial report of Huanyu electronics."

The high string in the middle of his heart immediately made a gesture of invitation, "we can go to Huanyu electronics for field investigation now."

……

Bow and thank Reagan for his encouragement and reward!!

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