Reborn as a tycoon in Hong Kong

Around four o'clock that afternoon.

Standard Chartered Bank.

When US$19 million was remitted from the United States to Xiangjiang, Standard Chartered's senior manager Huo Yaohua was alerted. He learned about this from the lobby manager.

As early as half a month ago, when the first 8.5 million US dollars remitted from RB arrived, Huo Yaohua remembered this company from the reports of his subordinates. After all, it was a sum of 3,000 US dollars. Transfers of tens of thousands of Hong Kong dollars.

With a bank turnover of more than 30 million Hong Kong dollars a year, it is no longer considered a small company in Hong Kong. What's more, it is just a transfer. It is impossible for the banks handling it not to pay attention and want to retain such a big customer.

After all, Huo Yaohua is the senior manager of Standard Chartered, so he just remembered this company, and then asked the managers below to send an invitation letter to this company at the bank’s quarterly exchange meeting held next month, so as to communicate more with the company’s boss and retain customers. .

Unexpectedly, not long after this, the company received another transfer of up to 19 million US dollars, and this time it was transferred from the United States. Once it was RB, and once it was the United States. I think I was doing international business.

The total of the two times exceeded 100 million Hong Kong dollars. It would be impossible for Huo Yaohua not to pay attention to this company. No one can guarantee whether this company will make more money in the future. Such big customers must definitely be retained and give them the best quality products. Serve.

Thinking of this, Huo Yaohua made a decision, but he still asked the people below to investigate the company and the information of the company's boss in detail. Only in this way can he better suit his interests.

After the funds arrived, Lin Baicheng received a notification from the bank, and his contract with Phil Smith also officially came into effect.

Phil Smith only stayed in Xiangjiang for two days, and then returned to Los Angeles.

Lin Baicheng personally entertained Phil Smith these two days, so he had no time to do anything else. After Phil Smith left, he immediately went to Standard Chartered Bank.

Lin Baicheng's visit to Standard Chartered Bank this time was not just to transfer money to Yum Securities' company account. If that was the case, his sister Lin Shufang could just do it.

When Lin Baicheng showed his company's account and expressed his intention to get a loan, he met the manager of the bank, and then met the manager of the bank, Huo Yaohua, the person in charge of Standard Chartered Bank in Hong Kong.

Standard Chartered Bank's senior manager Huo Yaohua is actually equivalent to HSBC Bank's senior manager Shen Zhou. However, Standard Chartered Bank cannot compare with HSBC in Hong Kong, and Huo Yaohua's ability may be quite different from Shen Zhou. Anyway, Lin Baicheng, who had written entertainment articles before his rebirth, had found information about Shen Zhou, but he could not find out who was the chief executive of Standard Chartered Bank in this era. This shows that Huo Yaohua was not famous at all in later generations.

"Huo Daban!"

Lin Baicheng was a little surprised that Huo Yaohua, a senior classmate, actually entertained him personally.

"Lin Sheng, I didn't expect that you, a great writer, are not only first-class in writing, but also a business wizard. In just two months, you have run a successful game company and made a lot of US dollars."

Last night, the people below handed over information about Galaxy Games and its boss to Huo Yaohua. Huo Yaohua was shocked after reading it. He didn't expect that a young man who graduated from the fifth form of middle school could build such a huge net worth in just half a year.

He started writing novels in March. Currently, "Wind and Cloud Dominates the World" is popular in Hong Kong and is rated as the best martial arts novel since Jin Yong wrote it. He obtained more than one million Hong Kong dollars by selling the publishing rights of the novel.

Later, I may have obtained more funds through loans, acquired an arcade factory, and then developed and sold games. They were sold in Xiangjiang, Wandao, and Southeast Asian countries. The first big order was US$8.5 million from RB, and the second The order is $19 million from the United States yesterday.

Huo Yaohua didn't know how much Lin Baicheng's arcade machine cost, but he thought there should be a 20% profit. After all, Lin Baicheng didn't have much capital at the beginning. In other words, based on 20% profit, Lin Baicheng has earned 20 to 30 million Hong Kong dollars, and this has only been two months since the game company opened.

In just six months, he went from an ordinary young man who just graduated from Form 5 to a wealthy man with a net worth of 20 to 30 million Hong Kong dollars. It is not an exaggeration to call him a business wizard.

"You can't even call me a business wizard. Huo Daban, you are so complimentary."

Lin Baicheng smiled modestly. He was not arrogant, because he felt that anyone who was reborn fifty years later would have achieved what he has achieved now, and might even do better than him.

"Lin Sheng, you are so humble. At your age, it only took you half a year to reach your current net worth. There are a few people in this world who can be called a business wizard."

Lin Baicheng's humility surprised Huo Yaohua even more. It is really rare to achieve such an achievement at such a young age without being arrogant or complacent at all. Based on this alone, Huo Yaohua felt that Lin Baicheng was not a creature in the pool and would definitely achieve great things in the future.

Hearing this, Lin Baicheng was no longer humble. He was always humble and complimentary. What's the point of always being like this?

"Huo Daban, I came here today to get a loan from Standard Chartered Bank."

Huo Yaohua immediately said after hearing this: "No problem, Lin Sheng is willing to come to us for a loan at Standard Chartered. That is to take care of our business."

"Then I wonder how much loan I can get from your bank without any mortgage loan?"

Lin Baicheng looked at Huo Yaohua and asked, if possible, he would of course hope to obtain a large loan without mortgaging the game company's shares. Although pledging a share loan does not mean that there will be problems with the shares, there is always a contingency, and it is of course best to have nothing to lose.

"This is it"

Huo Yaohua pondered deeply after hearing this, thinking about how much credit loan it would be appropriate to give Lin Baicheng.

If Lin Baicheng uses the shares of the game company to make a loan, as long as the shares are enough, Huo Yaohua will not hesitate to borrow even 100 million Hong Kong dollars, but unsecured credit loans are different.

If Lin Baicheng goes bankrupt during the loan period and does not have any mortgage, there will be a question mark on how much money Standard Chartered Bank will be able to recover. Therefore, there are still risks with unsecured loans.

However, you should not only consider risks in everything, but also consider retaining high-quality customers.

Lin Baicheng currently conducts international remittances through Standard Chartered Bank, but this does not mean that the other party will always do so. If Standard Chartered cannot show Lin Baicheng's sincerity, Lin Baicheng may completely change banks, which will be a big loss to Standard Chartered Bank.

It's just a big loss now, but if Lin Baicheng develops better in the future, the loss to Standard Chartered will be too great.

Therefore, Huo Yaohua needs to weigh the amount of unsecured loans that can not only show the sincerity of Standard Chartered, but also reduce the risks of Standard Chartered itself.

(The numbers in the previous chapter were calculated incorrectly and have been revised. If you have already read it, just refresh it.)