In Hong Kong, we build a global business empire

Chapter 8 I want to borrow million
For example, the Xiangjiang Malay Yumin Financial Company in front of us is facing such a situation.

Since they cannot obtain a banking license in Hong Kong, they can only survive in Hong Kong as financial companies.

Xiangjiang Malay Yu Min Financial Company has a considerable background. It is a wholly-owned subsidiary of the Nanyang Malaysian Government Bank - Yu Min Bank, and has a strong financial background.

As the young master of Wan'an Group, Lin Haoran belongs to the upper class of Hong Kong society and has a certain understanding of Hong Kong's financial environment.

What's more, he graduated from the London Business School and knew that he would continue to develop in Hong Kong in the future, so he paid special attention to the financial industry in Hong Kong.

Before this, when he attended a business banquet with his father Lin Wanan, he met Yang Changdao, the general manager of Xiangjiang Malay Yumin Financial Company. That was last summer vacation.

Pushing open the glass door, Lin Haoran walked in with his two younger brothers.

"Sir, do you have an appointment?" Seeing Lin Haoran's extraordinary temperament, the girl at the front desk was very enthusiastic.

"Is your CEO Yang here? If he is, please go and tell him that Lin Haoran from Wan'an Group wants to see him."

Of course there was no appointment, after all, Lin Haoran didn’t know Mr. Yang’s phone number.

But with his status, there was no need to make an appointment.

Wan'an Group is not a top company in Hong Kong, but it also has a certain degree of popularity.

"Please wait a moment. I will report to General Manager Yang right away." After learning Lin Haoran's identity, the girl did not dare to be negligent in the slightest and went to report in a hurry.

In less than a minute, the little girl came back.

Behind her was a middle-aged man in his forties.

This person is Yang Changdao, the head of Xiangjiang Malay Yumin Financial Company.

"Mr. Lin, we at Yumin Finance are honored to have you here."

"Uncle Yang, the last time we met was a year ago. Time flies. Seeing you in high spirits and full of rosy light makes me happy. I'm sure your company must have achieved great success during this period, with business booming and money flowing in from all over the world!"

When the two met, they shook hands and exchanged polite words.

It is obvious that Yang Changdao also has a deep impression of Lin Haoran.

Lin Haoran's words "Uncle Yang" indirectly brought the two closer together.

When Yang Changdao heard Lin Haoran calling him Uncle Yang, his smile became even brighter.

"Mr. Lin, come and sit in my office."

Lin Haoran nodded and told Li Weiguo and his brother to wait for him in the lounge outside.

Afterwards, he followed Yang Changdao into the office.

The Hong Kong Malay Yu Min Financial Company was wealthy and powerful, and directly rented the entire 17th floor of the Admiralty Building.

Yang Changdao's office is decorated very luxuriously.

"Mr. Lin, would you like something to drink?" Yang Changdao asked after sitting down.

"Don't bother, Uncle Yang. You are my elder. Just call me Haoran. My father told me that Uncle Yang is a very good entrepreneur. If there is a chance, let me have more contact with Uncle Yang."

This time Lin Haoran came with a purpose, so he naturally had to be thick-skinned enough.

Yang Changdao may not be a big shot, but the Yumin Bank behind him is financially strong, and Lin Haoran is short of money at the moment. Therefore, it is necessary to get closer to each other.

"In that case, I will be rude and take advantage of my seniority and call you Haoran directly. I wonder why Haoran came to see me this time? I don't like to beat around the bush. Let's get straight to the point and talk about business." Yang Changdao didn't waste time and went straight to the point.

After all, the two had only met once, and even if they got closer, they were still not familiar with each other.

"Uncle Yang, I'm here this time to discuss a business deal with your Yumin Financial Company." Lin Haoran said with a smile.

"Haoran, are you here on behalf of Wan'an Group this time?" Yang Changdao's words revealed anticipation and joy.

As the general manager of Yu Min Financial Company, he naturally hoped that the company's performance would prosper. However, it was obvious that the competition in Hong Kong's banking industry was too fierce. Yu Min Financial Company did not have much advantage in competing with local banks in Hong Kong.

Therefore, if he could cooperate with Wan'an Group, it would definitely bring him considerable results.

As his peers were too competitive, he, the head of Yu Min Bank in Hong Kong, had to try every possible way to improve performance.

Unexpectedly, some business came to my door today.

"Uncle Yang, this time I'm here on my own behalf, not on behalf of Wan'an Group. I'm applying for a loan from your Yumin Financial Company in my personal name." However, Lin Haoran shook his head and said.

The fact that the Lin brothers were competing for the succession to the Wan'an Group had not been revealed to anyone, so Yang Changdao naturally didn't know about it.

Lin Haoran's words instantly made Yang Changdao extremely disappointed.

If it were an individual, his performance would be much smaller.

However, Yang Changdao was unwilling to offend Lin Haoran. After all, maybe he could get in touch with Wan'an Group through Lin Haoran!

Thinking of this, Yang Changdao asked, "How much money does Haoran want to borrow?"

"I want to borrow 50 million Hong Kong dollars." Lin Haoran said a number that even he himself felt was almost impossible.

He is short of money now, and the more funds he has, the better. As for the future, he is confident that he can easily pay the money back.

These words scared Yang Changdao.

He originally thought that Lin Haoran would only be able to borrow a few million Hong Kong dollars at most. In this case, even without collateral, he could approve the loan based on Lin Haoran's identity.

But 50 million Hong Kong dollars, that's simply impossible.

He shook his head and said, "Haoran, I'm not afraid to speak frankly. If it's a loan in the name of Wan'an Group, I can lend it even if it's 100 million Hong Kong dollars. But if it's a loan in your personal capacity, then I can't lend you so much money."

Wan'an Group's stock market value is over 100 million, but its asset valuation exceeds 200 million Hong Kong dollars. It is a very high-quality listed company, and the stock market has seriously underestimated it. Yang Changdao knows this.

Therefore, if they apply for a loan in the name of Wan'an Group, their Yumin Financial Company can really approve the loan.

Of course, he also knew that Wan'an Group would basically not borrow money from banks. This was one of the reasons why Wan'an Group's development speed was not very fast. This was known to everyone in the industry.

If the Lin family did not control more than 50% of the shares, Wan'an Group would have been secretly acquired by someone with ulterior motives long ago.

"Uncle Yang, I own a large cement factory. The annual interest rate of this cement factory is more than two million Hong Kong dollars. I own it alone. In addition, I also have a piece of land of more than 30,000 square meters in Yuen Long. All of these can be used as collateral."

Lin Haoran took out the Huafeng Cement Factory's corporate registration certificate and the land deed from his bag and handed them to Yang Changdao.

Yang Changdao took the registration certificate and title deed and looked through them.

Continue to read and collect~


(End of this chapter)