From that day on, Maggie no longer asked him to attend some boring parties. But every time she went out, she would tell him that she would still ask him to go with her on some larger cocktail parties.

During this period, Lu Yongzhi became familiar with Richard, the assistant manager of HSBC. When he arrived, because the account opening amount was relatively large, it was received by Richard. At a cocktail party, both of them recognized each other.

Then, each had some ideas for a while.

Richard is a Frenchman and remembers a French casual outfit on that day, and the topic is caused by this.

"I fought intermittently with you French people on the Sino-Vietnam border for more than a year, and I also met some French friends. An engineer was from your French Academy of Engineering. He called you what you asked, yes, Jean Nova. That set of clothes was given to me by him."

"My God, Mr. Jean Nova, that is not a school of engineering. It is our Royal Academy of Sciences in France. There are only three in France. Mr. Jean Nova is the only one who was awarded a jazz by the Royal Family."

"Is that true? Such a powerful man? He keeps his cigars away and drinks every meal. He can't eat, but he can't do without wine."

Lu Yongzhi had known Nova's identity for a long time, and he said this on purpose.

"Then how did you meet?" Richard was very interested in this topic.

"Hey, no deal is done without fighting. Their exploration team accidentally caught us, so Mr. Nova became my prisoner and then became friends. Later, I asked him to ask the French army to ask for someone, and he quickly helped me."

Whether it is a Chinese or a foreigner, having a very famous friend is worth bragging. This is the usual way to raise your own value.

"Isn't there a ceasefire between China and France?" Richard asked in confusion.

"There is a ceasefire among the government, but the people have never stopped. Commander Sean and I are old opponents."

"Oh, I understand, and then you come to Shanghai to make a fortune. What are you doing now? Why don't I introduce two business partners to you?"

"No need now, right, I'm working with the Marquis to build a few houses. Maggie, come here and meet Mr. Richard of HSBC."

Maggie came over, greeted Richard, and then naturally pulled Lu Yongzhi's arm.

"Wow, you two are really a perfect match. If you need any HSBC service, you must be sure to open your mouth."

Maggie is the Marquis of the British Empire with a prominent background in Shanghai. She is also a young widow. Few people don’t know her. However, they all think she is arrogant and most people stay away from her. They never expected that she is so close to this young Chinese.

It has begun to be rumored that he is the son of a senior official in the court.

Then, a few days later, Lu Yongzhi went to the bank to do business, or passed by, and always went in to say hello to Richard, and then brought him some small gifts.

After a while, Lu Yongzhi deliberately made friends, the two of them were very familiar with each other.

Through Richard's relationship, I met some people from the financial industry in Citigroup, Zhengjin, Huili, and DeWA Bank.

On that day, Lu Yongzhi went to the street to find a book called "Shanghai Land Rental Treaty" in a bookstore. This was negotiated by the Qing government and the UK when Britain and the United States opened a concession in Shanghai during the Daoguang period. It mainly made some provisions on foreign investors' land acquisition transactions in concessions.

This treaty is a must-read document for every investor in the concession.

When buying good books, Lu Yongzhi passed by a newly opened tea shop, bought two kilograms of new Longjing, and carried it to the office of Richard of HSBC Bank.

After entering, Richard was receiving a Chinese man with long braids.

When Richard saw Lu Yongzhi, he made a gesture to let him sit down on the sofa. He often came and went, and Richard did whatever he wanted.

Lu Yongzhi sat down, picked up the kettle and brewed a cup of Longjing for himself, then slowly savored the tea and waited for Richard.

"Shopkeeper Jiang, this money is really not allowed to be borrowed. I checked your records and your loan at Citibank expired three months ago, and your Yuchang Spinning Mill has not made any profits for three years. Although you are our old customer, our bank is not a charity, and we still have to control the risks."

"Mr. Richard, more than a thousand people in Yuchang are waiting for the money to start construction. As long as this batch of yarn can come in, we will repay the loan immediately as soon as we ship it."

It can be seen that Manager Jiang is really desperate.

"Sorry, Manager Jiang, I really can't help."

"Mr. Richard, how about we pledge our equity?"

"You have pledged 60 shares in Citi. Once you go bankrupt, our bank will not be able to recover it. This is not OK. Manager Jiang, please go to another bank to have a look."

"Oh, God is going to destroy our Yuchang."

The shopkeeper named Jiang sighed to the sky and got up and went out.

"Shopkeeper Jiang, why not come and sit down and have a cup of newly launched Longjing tea and let's talk."

The Jiang man looked at him, "I still have to find food for more than a thousand people, so how can I have time to drink tea?"

"Shopkeeper Jiang, I just heard you say that you want to borrow 3,000 taels of silver to purchase goods, and are willing to pledge 40% of the equity of the brass mill?"

"Sir, we can't afford usury. The spinning mill has been in a recession in the past two years and has very little profit."

Manager Jiang looked him up and down and immediately decided that he was a financial broker who made a living by lending loans. There were so many such people in Shanghai, and many people made a living by it.

"Shopkeeper Jiang, how much do you hold?"

"Seventy percent, I actually hold the shares."

"Let's do this, Mr. Jiang, I invest 5,000, and I don't want to have forty percent of the shares in your hands. What if you have 30 percent of the shares?"

Manager Jiang immediately asked vigilantly: "What conditions do you want?"

"If there is no conditions, I just participate in the shares and will not participate in your business. In addition, I can also help you find sales for your cotton cloth."

"Is there such a good thing?" Manager Jiang looked at him suspiciously.

"My friend, you don't know the financial situation of Yuchang Spinning Mill. They are already in debt of 80%. I don't expect to last until the end of this year." Richard interrupted quickly.

"I have my considerations. I have a military uniform factory in Guangxi and I also need to use cotton cloth. At that time, your Yuchang's cotton cloth can be sold to Guangxi."

"Sir, you are amateur. Guangxi's cloth is always in Guangzhou and Wuhan. The cost of transporting it is high. Besides, we dare not do military uniforms, because the debt is too great." Manager Jiang said the truth.

"That's because your cost calculation is wrong. The same factory price, the freight is calculated from Guangxi. You just need to calculate yours, pay first and then pick up the goods."

Manager Jiang's eyes turned, "Are you cash-in-charge?"

"After signing the contract, you transfer the money with the check."

"But you haven't even been to check our Yuchang, and you don't have any account review?"

"There is no need to do that. When it comes to major issues such as equity changes in the future, you can do your own things."

"Mr. Lu, isn't investment like you do?"

After signing the contract and sending away Manager Jiang, Richard said angrily.

"Dear Mr. Richard, not all investments are to make money. Come and ask your men to send me a telegram."

Lu Yongzhi wrote a passage on paper.

"What, is your Guangxi military uniform factory a falsehood?"

"Will I have this telegram come out?" Lu Yongzhi said with a smile.

A few months later, Sheng Xuanhuai, the largest bureaucratic capitalist in China and the founder of modern industry, took over the Shanghai National Textile Industry, established the China Huasheng Textile Federation, and acquired a number of yarn mills such as Yuchang, Dachun, and Yujin.

Injecting bureaucratic capital, the implementation of official supervision and commercial office. The equity ratio of shareholders, including Lu Yongzhi, has decreased, but the equity capital has doubled several times.

The most important thing is that he met the Sheng family. Later, he could freely enter and exit Sheng Xuanhuai's Xin Family Garden in Shanghai with just handing over it.

When Yuchang's cloth went to Guangxi, the small steamer from Shengxuanhuai China Merchants Group also dropped sharply. The quality was better than that of Guangzhou and Wuchang, but the price was the same.

This accidental operation made Richard look at his face for more than ten minutes, always trying to find some secrets on it.
Chapter completed!