There is no absolute fairness in this world.

Especially in the business world.

After the failure of the Giant Group, Yu Zhu lurked for a few years and came out again, countless business leaders contributed to him and promoted him. This made him make a comeback in a short time and achieve great achievements again.

There is also Mr. Chu from Caiyunyan Factory. After being imprisoned, he came out in his 70s and started his business again with no money. He is rich in 10 years. Isn’t this also thanks to the help of his previous friends?

If you change to another person or an ordinary person, can you tell me that the boss can hold millions and say to you, "Old man, use this money to start a business. You will pay it back after making money, and you won't be worried if you don't make money"?

The connections between rich people and his circle of friends have opportunities that ordinary people will never be able to achieve in their entire lives.

After they fail, as long as they seize one opportunity, they will be able to gain huge wealth again.

Therefore, usually, rich people will be richer, while poor people will be poorer.

The same is true for Yin Jun borrowing money now.

As long as Yin Jun goes out and yells, "I want to borrow money", at least 100 banks will rush over with contract letters and ask Yin Jun to sign a loan contract.

As long as Yin Jun wants, there will be a bank that will lend him 1 billion US dollars or even 2 billion US dollars.

And don’t think that interest rates will be very high, at most 7%, and it is not impossible to drop to 5%.

It looks a bit exaggerated, right?

It is difficult for poor people to borrow 200,000 yuan to buy a house, and the loan interest rate will be around 15%.

But Yin Jun wanted to borrow $2 billion, but the interest rate was only 7%. If it was too high, the bank would immediately lower it by a few percentage points.

One percentage point is tens of millions of US dollars of interest!

Why is Yin Jun so easy to take out a loan?

The reason is very simple, because Yin Jun has enough capital.

Never think that bankers are good people. On the contrary, under the constraints of the law, they are one of the most vicious and cruel people.

In ancient times, many people were ruined by usury in the bank. In modern times, they were almost the same. I don’t know how many small and medium-sized enterprises were crushed by the high interest rates of banks.

The reason they were willing to lend Yin Jun was of course because the assets in Yin Jun were very high-quality and very promising.

If Yin Jun can't afford it, of course they also hope that Yin Jun can't afford it. Then Kirin Group's many assets with amazing growth power will become their bank's pocket.

At that time, whether you run it yourself or sell it to others, you can make a lot of money.

Even if Yin Jun is lucky and does not fail to go bankrupt, then lending money to Yin Jun will be of interest.

Although the interest rate is generally low, Yin Jun has loaned billions of dollars. How many small and medium-sized enterprises do they have to find and how many personal loan accounts they can lend out the money?

Banks also rely on loan interest to make profits.

Yin Jun lends money to interest and they earn loan interest, which is also a good thing!

Look!

Whether Yin Jun succeeds or fails, bankers can get benefits. Do you think they are willing to lend Yin Jun money?

The boy naturally understood this.

But he didn't think there was anything wrong with this.

Living in this world, you will encounter monsters and monsters. If you hope to meet all good people... Then, the world is really not suitable for you.

Bankers have their own ideas, and Yin Jun certainly has solutions.

It is definitely risky to make money by borrowing other people’s money.

If the risk cannot be controlled to a certain extent, Yin Jun will never borrow money.

But how could a teenager with 40 years of memory misjudged the opportunity?

As long as you seize those once-in-a-lifetime opportunities, Yin Jun’s money will no longer be a debt, but an important help to help himself become rich and achieve a career!

The more you borrow, the more you will naturally earn.

I think this is true, but Yin Jun still has to be more careful during the specific operation.

First of all, choosing which bank to borrow money is a question.

HSBC still has a quota of 1.5 billion US dollars, but this time it can be used completely.

After helping to stabilize the Hong Kong dollar exchange rate, Chen Bi highly appreciates Yin Jun's boldness and keen observation.

HSBC, which is responsible for issuing money, also bears the favor of Yin Jun, so the remaining 1.5 billion US dollars is not required to borrow money several times, and you can take it out in one go.

Yin Jun, the second largest Standard Chartered Bank in Xiangjiang, was unwilling to go find it, let alone Xiangjiang Commercial Bank. They did not struggle from the crisis. It would be enough to have such a HSBC bank loan in the local area.

Mitsubishi Financial Group, which was in Japan and the Bank, came to Yin Jun to discuss the possibility of cooperation, but Yin Jun still did not consider them.

Japan. I am rich, and Mitsubishi Financial Group is even richer. The second-largest Sumitomo Bank and the third-largest Mitsui Bank merged into one, and they can only rank second. You can imagine how powerful they are.

But Yin Jun has now borrowed 1.6 billion from Mitsui Bank and 2.5 billion from Sumitomo Bank. If he borrowed another 1.2 billion US dollars, he would be in Japan. The debts of the capital will be almost 6 billion US dollars.

Although Yin Jun can still make it, this is also a very dangerous number.

Even if it is a loan, it should be spread out, otherwise these creditors will unite together, which will be detrimental to Yin Jun.

So Yin Jun placed the loan target on a Korean bank.

The five largest banks in South Korea, Busan Bank ranks fourth, not the largest, but its assets exceed 10 billion US dollars, and its assets accounted for more than 100 billion US dollars.

Some time ago, when Busan Bank gave Henderson Land, Yin Jun and their chairman had a meal. The signal they sent was very positive. There was no problem with a loan of 1 billion US dollars.

After all, in the 1980s, it was not only Japan that took off in the economy of Asia, but South Korea was not much worse than Japan.

At this time, there were many consortiums in South Korea, unlike in 2020, where only three or four consortiums were left to support the scene.

Of course, 1 billion US dollars is not enough.

Yin Jun’s next partner is Singapore Development Bank, known as DBS Bank for short.

This company, the largest commercial bank in Singapore, claims to be in Asia, can compete with HSBC and is even better than HSBC in terms of respected index. Of course, it is of course strong.

The four Asian dragons, by 2020, are the only ones who can maintain their successful results.

Then successful people naturally have their own way to succeed.

So Yin Jun still respects this enemy very much.

DBS Bank, controlled by Temasek, can be called Singapore's National Bank and has always been the first heavyweight stock in the Singapore stock market.

With such strong strength, when facing LeYing's tentative loan of 3 billion US dollars, he only considered it for a month and started his subsequent contact matters, which was even more straightforward than that of Busan Bank.

Yin Jun received a US$5.5 billion loan from these two banks, which was basically enough.

But the well-informed Pangu Bank Old Man Chen also called Yin Jun and said that he had money there for Yin Jun to use.

The young man was Han Xin's military service at this time, and the more he had, the better. Since the old man had enough funds, Yin Jun borrowed 1 billion US dollars without hesitation.

In this way, at most, Yin Jun will have a loan of 6.5 billion US dollars in his hands in January next year.

At the Busan Bank, Yin Jun took out a 20% stake in Kirin Culture. Of course, these were removed from the Transformers Toys and Saint Seiya dolls that had been mortgaged.

But Busan Bank is already very satisfied with the world's number one comic, single-line sales, and countless treasures that can be used as peripheral products, and 20% of the shares mortgage.

DBS Bank's vision is more vicious.

The collateral they chose was Kirin Communications, which included patents for all mobile phones.

At present, Kirin Communications' patent purchase is only about 700 million US dollars, and its mobile phone business only covers the entire Xiangjiang River. The largest business is still the mobile phone contract with the US Telecom Telephone Company.

However, DBS Bank has taken a fancy to the development potential of mobile phones and feels that mobile phones will definitely have a bright future in the future.

In fact, Singapore Telecom has begun negotiations with Kirin Communications and Xiangjiang Telephone Company, and is preparing to open a mobile phone business in Singapore.

In this world, Singapore and Hong Kong are the two most similar cities.

They are all highly developed and modern cities, all densely populated cities, and they are all cities on a small island.

So Xiangjiang's mobile phone business is developing better and better now, and Singapore immediately knew that this business will definitely have a future in its own country.

They don’t have to worry about it. They buy patents and equipment from Xiangjiang directly. After building it, they will wholesale the phone and can be used directly.

Before the loan was made to Kirin Group, the executive vice president of Temasek in Singapore once asked LeYing tentatively if they could buy the entire Kirin Communications company at a price of 4 billion US dollars.

Le Yiling naturally refused without hesitation.

My Ajun said that the future market value of Kirin Communications Company is at least 200 billion US dollars, and you just want to buy it for 4 billion US dollars, just dream!

Yin Jun originally wanted to take out the Kirin computer for the remaining Pangu Bank, but Chen Bicheng refused to be collateral and said, "Ajun, you are the best guarantee."

When you meet such an old man, the boy can only sigh that he is lucky.

Not to mention now, just take it when I first arrived in Xiangjiang. If Chen Bicheng hadn't educated Chen Youhan, Yin Jun's first pot of gold would have to be half a year later.

The entire loan negotiations actually started in October this year, and now the dust has settled in December, only in just three months.

I completed a loan of 6.5 billion US dollars in three months, and the efficiency is simply super high.

There is no company in Asia that can afford to take out loans as easily as Kirin Group.

On the one hand, it proves that the Leyiling team has good negotiation skills and high execution ability, but more importantly, Qilin Group is like a delicious bun in the capital market!

...
Chapter completed!