Rebirth 2006, creating a super consortium

"Dingle bell...Dingle bell..."

An Xin reached out and touched the bedside table. After finding her cell phone, she turned off the alarm clock. Then she opened her drowsy eyes, adjusted to the light, sat up slowly, and turned to look to the side.

Eh?

Where's Chen Jiayi? !

Click, the door was pushed open.

Chen Jiayi walked in with her big, sparkling KISS ME eyes and a fresh and natural look on her face.

She raised her little hand and greeted An Xin with a smile:

"Hi, good morning!"

An Xin happily got up from the bed, walked directly to Chen Jiayi, bent down and kissed her forehead, and then said with a hint of teasing: "Little sports car, good morning!"

"Bah, you were driving so violently last night, you didn't take care of your car at all!"

Hearing Chen Jiayi's coquettish voice, An Xin looked at her with a smile and teased, "Who told this little sports car to stay up late at night and tease the sleeping driver?"

"You are so bad!"

A slight blush instantly appeared on Chen Jiayi's pretty face, and she quickly stretched out her hand and patted Anxin's chest.

An Xin grabbed the fair and slender little hand, squatted down, and picked up Chen Jiayi in a princess hug. She looked at her with a sly smile and said, "It's just right. The driver wants to drive the sports car again."

Chen Jiayi, with her arms wrapped around An Xin's neck, quickly shook her head and said apologetically, "An Xin, I'm sorry, it's almost nine o'clock, I have to go to work, otherwise I'll be late!"

An Xin didn't get angry when she heard that. She gently put her down and said with a smile, "Okay, let's do it next time. But are you really not going to consider resigning?"

Chen Jiayi shook her head upon hearing this, a hint of determination flashing across her pretty face: "I know what you mean, but I don't want to be a canary in a cage. Your long-term meal ticket is more like a guarantee for me. It allows me to calm down, relieve stress, and then love the people and things around me, and experience a better world, instead of just eating and waiting to die, and being a slave to money."

Wow, An Xin immediately looked at Chen Jiayi with a new respect. This was not something that the empty-headed Chen Jiayi would say a few days ago.

Chen Jiayi noticed An Xin's weird look and said in a tender voice, "Ah, what kind of look is that? It's so hateful!"

That’s right, this is the normal Chen Jiayi, the Chen Jiayi who just had a flash of inspiration.

An Xin clicked her tongue twice, then slowly said, “I understand your thoughts, and I respect and support your choice.

I also hope to see a carefree, life-loving Chen Jiayi appear in front of me."

Chen Jiayi was very happy to hear that. She pouted her red lips and kissed An Xin, then said with a smile: "Thank you for your support. I'm going to the company now. I'll call you after get off work!"

An Xin nodded and escorted Chen Jiayi out of the suite.

-

Director He Zhuolin’s office on the 19th floor of Bank of China Building.

"An Xin, here I am, I've been waiting for you."

Seeing An Xin pushing the door open with a few people, Huang He and He Zhuolin, who were originally sitting on the sofa chatting, stood up and greeted them with a smile.

An Xin politely shook hands with them one by one, then said with a smile, "Uncle Huang, Uncle He, I'm sorry to have kept you waiting while I contacted a lawyer."

Huang He shook his head and said, "It's okay. I just arrived not long ago. Is this Lawyer Xu Yang? Long time no see."

Xu Yang extended his right hand and shook hands with Huang He and He Zhuolin one by one, and said with a polite smile: "Mr. Huang, Mr. He, hello, long time no see."

"Let's talk in the reception room next door. Our lawyer is waiting there."

After saying that, He Zhuolin led everyone slowly towards the reception room next door.

"Mr. Huang..."

"What is Mr...."

A dozen lawyers who were sitting and chatting on the right side of the long desk in the reception room stood up and greeted their employer politely.

"Sit, everyone, sit down."

He Zhuolin smiled and nodded at them, then turned to An Xin and the others and said, "An Xin, please."

An Xin nodded, and took Xu Yang and the lawyers from his law firm to sit down on the left side of the long desk.

"Now that everyone is here, let's get started."

He Zhuolin first glanced at the people on both sides of the long table, then turned to look at An Xin and said, "An Xin, let's deal with the syndicated loan first. The terms are relatively standard and it will be easier to handle."

An Xin smiled back at He Zhuolin: "Okay, let's deal with the syndicated loan first."

"Okay, I have already dealt with the unified terms between the two of us with Huang He. Now all that's left is the specific terms on your side."

This is definitely not the first time these two have worked together on syndicated loan business. If it was the first time, it would be impossible for them to reach a unified agreement on terms in one night.

An Xin was not surprised, and said directly to the two people opposite: "Let's finalize the core terms first, and then make supplementary terms."

Huang He and He Zhuolin nodded in agreement. After looking at each other, Huang He made a gesture of invitation to He Zhuolin.

Seeing this, He Zhuolin was not polite. He turned around and looked at An Xin and smiled, "US$10 billion, about HK$80 billion, 5-year contract, 5% annual interest rate, interest first and principal later, An Xin, right?"

"Yes, these core terms are fine!"

An Xin nodded at first, but soon added: "But I want to add a supplementary clause. When we are not in a business crisis and repay the loan normally, you cannot recover the loan in advance.

We can both deal with this issue now to avoid future disputes that may affect our relationship!"

This is a specific preventive clause set up to deal with future financial crises.

There was no way. The financial market was in a mess at that time and cash flow was urgently needed everywhere.

There is a high probability that both Huang He and He Zhuolin will not be able to escape this disaster.

In this case, why not take the initiative now?

Of course, if they need cash to save themselves at that time, Anxin will definitely not stand idly by.

But in this case, they would have to accept An Xin's favor, rather than a partnership where they would not be able to repay the loan.

After hearing An Xin's speech, the two of them huddled together and discussed in a low voice. After a while, he looked up and nodded slightly to An Xin.

"Okay, we agree to this supplementary clause. Anything else?"

An Xin was not polite and immediately added: "The two uncles are willing to issue this syndicated loan because they trust us, Yuanfang Finance.

In this case, then don't limit the scope of use of the funds. Be more flexible so that I, a junior, can have some room to maneuver."

"Haha, you are really good at taking advantage of loopholes, but you are right. I provided this syndicated loan because of trust. In that case, I agree."

Huang He raised his hand with a smile on his face and nodded to An Xin who was standing opposite him. Then he turned to He Zhuolin beside him and asked: "Old He, what about you?"

"No problem, add it in."

An Xin was very happy to hear the two of them agreed readily, and said with a smile: "Thank you for your support, both elders. I don't have any other additional terms. I can draft a cooperation agreement based on the agreed terms and normal syndicated loan terms."

"Mr. Fan, you can draft the cooperation agreement now."

After seeing that An Xin was fine, He Zhuolin turned to a middle-aged lawyer next to him and gave instructions.

Lawyer Fan raised his gold-rimmed glasses and said with a smile, "No problem. The normal agreement for the syndicated loan has already been prepared. The core terms and additional terms can be added directly. Please continue to deal with other cooperation and review and sign the contract together when the time comes."

"Okay, Anxin, then we can start working on the $15 billion entrusted investment-related agreements."

This is the highlight of today’s drama!

An Xin was refreshed and asked directly, "Is the profit-sharing plan okay?"

Huang He shook his head and said, "The tiered profit-sharing plan is fine, but we need to add some additional clauses."

As expected, $15 billion is not that easy to get!

An Xin was mentally prepared for this. After calming down, she smiled and said, "No problem. You can talk about it. We can talk about anything."

Huang He nodded and said straight to the point: "Then I won't waste time, we just have three additional clauses.

First, for any investment, the leverage cannot exceed 20 times.

Second, if the loss exceeds 20% of the principal amount, you must notify us immediately and explain the specific situation in detail.

Third, we reserve the right to terminate the entrustment at any time. As long as we want to terminate the entrustment, you must start to handle the settlement matters immediately without delay.

Please consider these three additional clauses. "

After An Xin listened to Huang He's speech patiently, she did not answer immediately. Instead, she lowered her head and fell into thought.

There is nothing wrong with the first clause, it is a normal risk limitation clause.

There is no big problem with the second point. If the loss exceeds the 20% line, the reason must be clearly explained to the client.

The third point is a big problem. It is too outrageous and unacceptable to terminate the entrustment at any time.

After analyzing the pros and cons, An Xin raised her head and looked at the two big guys opposite her, and said directly: "The first two are fine, I accept them all, but the third one is not okay, and we need to renegotiate."

Huang He and He Zhuolin seemed to have expected this and smiled at each other.

"Then tell me what you think."

Hearing Huang He's question, An Xin readily gave her own plan: "You can keep the exit mechanism, but you need to set a loss trigger line. For example, if the loss reaches 40%, liquidation and exit will be initiated. What do you think?"

Huang He shook his head upon hearing this: "It's OK to agree on a loss limit, but a 40% loss limit is too high. How about 30%?"

An Xin shook her head and rejected the idea: "No, considering the transaction risk, 30% is too low, let's just do 40%!"

Huang He looked at He Zhuolin after hearing this. After seeing He Zhuolin nod slightly, Huang He turned to An Xin without hesitation and said, "Okay, let's follow the 40% loss line."

After An Xin got the conditions he wanted, he stood up and extended his hands to the two big guys opposite him, smiling and said, "Uncle Huang, Uncle He, let's have a happy cooperation!"

Huang He and He Zhuolin saw this and stood up and shook hands with An Xin one by one: "Happy cooperation!"

After sitting down again, Huang He seemed to remember something and turned to the secretary behind him and said, "Ah Dong, bring the relevant transfer agreement of Xiangjiang Hexin Private Equity Fund to Mr. An."

Upon hearing this, Adong nodded, immediately took out a stack of information from his handbag, then walked to Anxin opposite and handed it directly to Anxin.

An Xin reached out to take the stack of information, looked up and said thank you to A Dong.

Without even looking at it, he handed it to Xu Yang beside him and said, "Lawyer Xu, please handle the transfer procedures."

Xu Yang nodded, took the information and put it on the table, then opened it and began to review it carefully.

Seeing this, An Xin looked up and thanked Huang He, "Thank you for your support, Uncle Huang. Otherwise, it would take me at least a month to reapply for a license."

Huang He laughed and waved his hand: "It's a small problem. Besides, we are more anxious than you about the private placement!"

An Xin understood what Huang He meant, smiled and said nothing.

"By the way, I called and talked to some directors of Mitsubishi Tokyo UFJ last night, and learned from them a piece of news that is very favorable to your acquisition plan. Do you want to hear it?"

An Xin was refreshed after hearing this. She looked up and looked around. She stood up and said to Huang He and He Zhuolin, "Uncle Huang, Uncle He, shall we go to Uncle He's office and have a chat?"

"Okay, let's go."

After that, the three of them explained the follow-up work to the lawyers and then returned to He Zhuolin's office together.

After the three of them returned to the tea room and sat down, Huang He got straight to the point and told them the news: "Mitsubishi Tokyo UFJ told me that Liao Liewen, the head of the Liao family, flew to Tokyo a month ago to meet with the top executives of Mitsubishi Tokyo UFJ. During the meeting, Liao Liewen directly asked Mitsubishi Tokyo UFJ if it was interested in taking over Chong Hing Bank."

"Oh? It seems that the Liao family really doesn't want to run a bank anymore!"

When An Xin heard the news brought by Huang He, she was a little excited. The opportunity had come.

Huang He nodded and said, "Mitsubishi Tokyo UFJ is not very interested in Chong Hing Bank, but it still politely asked about the price. Liao Liwen also gave the price for the 50.2% stake held by the Liao family, 4.5 million US dollars!"

$4.5 million?

Approximately equivalent to 36 billion Hong Kong dollars?

An Xin nodded slightly and began to fall into thought.

The current market value of Chong Hing Bank is approximately HK$65 billion. The Liao family’s asking price for 50.2% of the shares is HK$36 billion, with an actual premium of approximately HK$3.5 million and a premium rate of approximately 11%.

This price is acceptable!

However, it is necessary to cut the Gordian knot and quickly finalize the acquisition of more than 75% of the shares, and then invite the remaining small shareholders to privatize, repurchase and delist.

After figuring it out, An Xin raised her head and looked at the two big guys opposite her, and slowly said, "This price is acceptable, so can you help me quickly finalize the acquisition of Liao's 50.2% equity?"

Huang He smiled and did not reply immediately. Instead, he reached out and picked up the Zippo lighter on the tea table, slowly lit the Cohiba Classic cigar in his hand, took a light puff, felt the smoke in his mouth for a while, and then slowly exhaled the smoke...

After enjoying the cigar, Huang He smiled and said to An Xin domineeringly: "As long as you pay 36 billion Hong Kong dollars, we will help you quickly get the 50.2% equity of the Liao family!"

After saying that, he immediately added, as if he had thought of something: "Of course, in this case, some of the price difference generated by the transaction will belong to us."

"Sure, 36 billion Hong Kong dollars, as long as you can help me quickly acquire 50.2% of the Liao family's shares."

An Xin doesn't care how much money Huang He and others can make from the 36 billion Hong Kong dollars. How much they can make is their own ability and there is nothing wrong with it.

"Good!"

Huang He was very satisfied with An Xin's frankness.

He is decisive and never asks any questions, showing the demeanor of a big shot.

After slowly taking a puff of his cigar, Huang He uttered another piece of good news: "The 9.66% equity of Mitsubishi Tokyo UFJ, with a 10% premium, is 6.864 million Hong Kong dollars. Forget it, you just need to pay 6.8 million Hong Kong dollars.

In other words, you only need to pay 42.8 billion Hong Kong dollars, and we will help you acquire 59.86% of Chong Hing Bank's equity within a week!"

"make a deal!"

An Xin didn't hesitate and stood up and shook hands with Huang He and the other man to indicate the deal was done.