Siheyuan: I am different He Yuzhu

The staff member who brought Lou Bancheng up quietly left after Lou Bancheng entered the room. After Lou Bancheng sat down, he looked at the staff member who received him.

"My name is Gu Zhenguang. I don't know, sir, what is your name?"

"Your surname is Lou."

"Hello, Mr. Lou. How much money do you plan to borrow? And what is the purpose of the loan?"

Then Lou Bancheng told Gu Zhenguang the amount of loan he needed and its purpose, and then looked at Gu Zhenguang with anticipation.

Gu Zhenguang listened patiently to Lou Bancheng's request. When he learned that Lou Bancheng planned to borrow 200 million Hong Kong dollars, he said, "Mr. Lou, I'm sorry, because your loan amount is as high as 200 million yuan, this is beyond my personal authority. I need to go out and ask our manager to come over. Only he has the right to agree whether to approve your loan request. Please wait a moment." After that, Gu Zhenguang left his office.

Gu Zhenguang came to the office of He Tian, ​​the general manager of Hang Seng Bank. After briefly explaining Lou Bancheng's situation to He Tian, ​​he said, "Manager He, Mr. Lou is waiting in my office now. Do you want to meet him?"

"It's rare to have such a big customer come to visit, why don't you meet him?" He Tian said with a smile. "It's just that I won't meet Mr. Lou in your office. I'd like to ask Mr. Guan to invite Lou Bancheng to my office."

"Okay, Manager He, I'll go and invite Mr. Lou over right away." Guan Zhenguang said respectfully, and then quickly left He Tian's office. A moment later, Guan Zhenguang brought Lou Bancheng to He Tian's office.

After asking and recording Lou Bancheng's personal information, financial situation, and loan purpose in detail, He Tian nodded with a satisfied smile on his face. He cleared his throat and said, "Mr. Lou, thank you very much for choosing our Hengsheng Bank as your loan institution. We are honored by your trust. I have a preliminary understanding of your loan needs. Next, please go back and wait patiently. Our bank will send professional staff to personally verify the information you provided and conduct a comprehensive assessment of your actual situation. As long as your conditions meet the requirements of our bank, you can successfully obtain the loan you need from us within a week at the earliest."

"Thank you, Manager He." Lou Bancheng said gratefully, and then stood up to say goodbye to He Tian. He was full of expectations, hoping to get the loan as soon as possible to solve the financial difficulties he was facing. Although he could open the factory even if he could not get the loan from the bank, the scale of the factory would be smaller than he expected due to the limitation of funds, which would seriously affect his plan for the development of the factory.

After a careful investigation of Lou Bancheng's background, the staff of Hang Seng Bank finally agreed to Lou Bancheng's request for a loan of HK$200 million. This decision undoubtedly gave Lou Bancheng a huge boost. With this money, he quickly established a toy factory, a garment factory, and a leather shoe factory. The rise of these industries not only brought Lou Bancheng considerable income, but also laid a solid foundation for his career.

However, what really made Lou Bancheng famous was the sales miracle of the Red Star car. Once the car was launched, it was enthusiastically sought after by the market, and sales continued to rise, bringing huge profits to Lou Bancheng. In just half a year, Lou Bancheng successfully paid off the HK$200 million loan from Hang Seng Bank.

This successful loan experience made Lou Bancheng feel that the cooperation with Heng Seng Bank was very pleasant, so he decided to continue to deepen the cooperation between the two parties. In order to express his trust and support for Heng Seng Bank, Lou Bancheng specially opened a company account in Heng Seng Bank and handed over all the financial transactions of his companies to Heng Seng Bank. This move not only further consolidated the cooperative relationship between Lou Bancheng and Heng Seng Bank, but also provided strong support for the development of Heng Seng Bank.

In August 1959, in order to expand its scale, Hang Seng Bank decided to increase its registered capital to HK$8 million. Given that the shareholders of Hang Seng Bank could only contribute HK$3000 million in paid-in capital, Ho Sin Hang, chairman of Hang Seng Bank, decided to accept Lou Bancheng as a new shareholder in view of Lou Bancheng's past support for Hang Seng Bank.

Lou Bancheng readily agreed to the invitation from Hang Seng Bank. After all, this was a rare opportunity. As long as he seized it, he would be involved in the financial industry. With the support of the financial industry, his company's development would be even more powerful. In the end, Lou Bancheng directly invested HK$600 million and took 20% of the shares of Hang Seng Bank, becoming the third largest shareholder of Hang Seng Bank. Out of trust and support for the original management team of Hang Seng Bank, Lou Bancheng said that he would continue to support the original management team to continue to manage Hang Seng Bank.