"Secretary Lin, ICBC has strong capital and will provide you with the best service. How much do you want to borrow? Just ask. We will do our best to meet your needs."
"Ten billion!"
"How many?"
"Ten billion soft girl coins."
The president of ICBC also fell off the table.
Lin Wan and Huang Oriu met again and found that the two banks they contacted could not lend 10 billion soft sister coins at all. It was not that they did not want to lend money, but that they did not have that much money and were not so bold.
According to the thoughts of the presidents on both sides - 'Holy Light' is developing rapidly, has strong power, and has a big business. We agree. But the group seems not to be worth 10 billion, right? What kind of collateral do you want?
You must know that the real estate and land in Tianyang are not valuable now, and it is not feasible to take real estate mortgage. Although several companies of "Shengguang" are developing rapidly, they are not worth 10 billion together.
As for the company's popularity, it cannot be estimated these days.
"I told China Construction Bank that the group has dozens of properties in Hong Kong, including an eight-story building and a first-floor luxury apartment. There are also docks and warehouses. These real estate properties should be worth a lot of money.
Finally, I said that the group was willing to use gold as collateral." When Huang Li said this, he smiled at Lin Wan with a crooked smile, "When I heard that there was gold as collateral, the voice on the phone changed."
The real estate in HK is quite valuable and mainland banks can accept it.
Not to mention gold.
The person on the phone from China Construction Bank smiled brightly and asked, "I didn't expect that Mr. Zhou's family is really rich. Not only does he have HK real estate, but he also has gold. Gold is the best, hard currency. How much gold do you have?"
"Not much, about ten tons."
Bang..., the president fell under the table again.
The two women laughed mischievously, and each told the story of their contact. The bank was greatly shocked by the ten tons of gold, and both expressed the need to report it to the leadership, study it, discuss it, and give instructions.
In addition, Zhou Qingfeng wanted to borrow money for infrastructure construction, and the two women also reported it within the group.
Others were just shocked, but Watanabe Yuo, as the vice president, was shocked and said quietly, "If the president has difficulty in getting a loan at home, he can try to contact the Bank of Japan. I am willing to contact you on your behalf."
In the conference room, several directors of the group just smiled at first, but Watanabe's words were like a bomb that drove them crazy - is it so easy to get Japanese money?
Zhou Qingfeng went to do business with Maozi, and Watanabe Yuo was not idle either. Within three or four months, he successively attracted more than 200 senior employees from Japan to the group.
Finance, shipping, insurance, international trade, technology research and development, and corporate management are all veterans with at least 20 years of work experience. They are also talents that are urgently needed in the development of the group.
Entering 1992, the Japanese economy not only failed to improve, but continued to collapse. After the housing market collapsed, the financial industry also collapsed. This led to more Japanese companies going bankrupt and employees losing their jobs.
By the 1990s, Japan had developed into a very mature society. Its domestic market was saturated, and no matter how hard it tried, it couldn't do anything.
The pain of the economic crisis has made Japan averse to risks from top to bottom.
By the end of the 1990s, low-demand survival had officially arrived. Bank loan interest rates were very low, but neither individuals nor companies were willing to borrow money.
The birth rate is declining, there is a serious over-aging population, and the social atmosphere is leaning towards conservativeness.
Watanabe was able to recruit more than 200 professionals not only because of money, but also to help solve debts. At the same time, 'Holy Light' has unique advantages in extending life, and the old devils feel that they have become younger after coming.
For the 'Showa generation' who are often in their 60s or 70s, this is much more important than money. Zhou Qingfeng has given Watanabe a task to recruit another thousand high-quality talents from Japan in 1992.
When Samsung was working on memory, it recruited Japanese engineers. BOE was working on LCD screens and recruited Korean engineers. Today, Holy Light is messing around. It doesn’t matter whether it is a mule or a horse, as long as it can be used.
These old devils are really experienced and occasionally have some ideological conflicts, but they work very seriously.
Whether it's a machinery factory or a battery factory, or a group's formalized management, overseas trade, etc., these Japanese employees are all in charge, greatly accelerating the development of 'Holy Light'.
Everyone in the group is very satisfied with Watanabe's work and has elevated him to the category of a 'good friend'.
But another move by Watanabe caused considerable resistance - the introduction of foreign accounting firms to audit the group's business.
No one likes to show their wealth to outsiders.
Watanabe expressed great distrust in the accounting capabilities and ethics of the group and the country. He even requested that the group's large suppliers be audited to ensure that the partners have sufficient strength.
Regarding this matter, no one in the group, including Lin Wan, liked it and was extremely repulsive. The conflict could not be reconciled and could only be decided by Zhou Qingfeng.
Lin Wan put forward many objections, but none of them were as good as Watanabe Yu's words - financial fraud is common among domestic companies, the headquarters cannot control branches, and branches cannot control suppliers.
The end result is financial chaos.
The internal audit department of 'Shengguang' currently has insufficient capabilities. To solve this problem, it is best to introduce third-party audits. This can also improve the group's credibility and facilitate international trade.
The last words touched Zhou Qingfeng. He was very aware of the current chaos in domestic auditing. Big corruption among petty officials is common. If the group is not properly cleaned up, it will easily collapse.
In the 1990s, many famous companies collapsed quickly due to internal problems. Many celebrities had great businesses, but their internal management was riddled with holes.
It was impossible for Zhou Qingfeng to clean up every time something happened to the group. There must be a preventive mechanism. He finally decided to try it out for half a year before making a decision.
Watanabe hired people from PricewaterhouseCoopers to do the job. In just three months, hundreds of internal bugs, large and small, were caught, and no one was debating whether to hire an audit anymore.
The first issue of "Shengguang Economic Weekly" published the group's audit report for the previous year, allowing the industry to take a closer look at its own strength.
This series of operations by Watanabe Yuu made many people who were accustomed to extensive management feel very awkward and always felt that their hands were tied.
However, the group's formalized management is arguably the first in the country to ensure smooth operations. Zhou Qingfeng can stay in Moscow for several months without any big problem.
Precisely because of the formal management of the group and the audit endorsement by PricewaterhouseCoopers, ‘Holy Light’ has attracted the interest of many foreign investors and banks.
After all, everyone now knows that this company is desperately delivering people's livelihood supplies to Damao, and the bilateral transaction volume has grown extremely fast.
"Last month, Sumitomo Mitsui Banking Corporation's Hong Kong branch sent me an invitation, hoping to act as an agent for the group's financial business in Japan and Southeast Asia, and was willing to provide all services including credit loans."
Others may not realize it, but after staying in Moscow for three months, Lin Wan, who has some understanding of international trade, asked sensitively: "Sumitomo Mitsui? How much loan can they provide? What are the collateral requirements?"
"If it is an unsecured loan, it should be no less than 10 billion yen. If there is enough gold as collateral, 100 billion yen is definitely not a problem. The interest rate can be the most favorable."
Hundreds of billions of yen in foreign exchange!
As soon as he finished speaking, there was a knock on the conference room of the group headquarters building.
A clerk from the secretariat hurried in and whispered in Lin Wan's ear:
"The bank just called and said that if we use gold as collateral, we can make a special loan. Their president is on the way and told us to keep the gold in the country."