The rise of Hong Kong's wealthy families

mid-november

He Jiahao came to Wanguo Baotong Bank and was personally received by President Gauss.

"He Sheng, congratulations! Your investment in the U.S. stock market has earned 130% profit. According to this momentum, He Sheng, your investment funds will double." Gauss said very happily. This investment It was the largest investment in his investment career, and the commissions allowed him to retire directly.

"Mr. Gauss, this investment can no longer be doubled. I am here just to close the position." He Jiahao smiled and expressed his intention. According to the original history, the U.S. stock market will start to fall early next year, and he now needs huge funds. .

"He Sheng, the recent rise in the U.S. stock market has been good. Why do you want to close your position? If you are short of money, Wanguo Baotong Bank is willing to provide loans." Gauss guessed that He Jiahao has any major acquisitions to carry out, which will require a lot of funds. .

"How many loans can Mr. Gauss provide? How about 10 billion?" He Jiahao said jokingly. Gauss's idea is very simple. You can earn commissions by investing in the stock market, and you can earn interest on loans, which is extremely beneficial to banks.

"10 billion! Is He Sheng planning to buy the bottom of the Hong Kong stock market and real estate?" Gauss asked in shock.

He Jiahao smiled, waved his hand and said, "It's not exactly bargain hunting. Not only do I need funds, but the U.S. stock market seems to have the possibility of falling, so I just need to close the position in time. Let's close the position in one and a half months, and all the funds will be withdrawn before 1984." "

"Okay, I'll contact the U.S. headquarters later." Gauss nodded. He Jiahao was already very considerate and answered his question. If he was a guest with a bad temper, he might not say a word.

"The stock market and local market conditions in Xiangjiang are not good, so the bank's business is not good, right?" He Jiahao said with a slight smile.

The bank's main business is lending, and most of the large loans in Xiangjiang come from the real estate industry. Wanguo Baotong Bank is an outsider, and its investment business in the stock market is relatively small. The real estate industry has become the bank's business pillar.

"Yes, it's very bad! Does He Sheng have any good suggestions?" Gauss sighed. The market was not good, and he had no way to do it.

He Jiahao shook his head, he couldn't go against the will, "The market is not good now, unless the bank can lower the interest rate."

"What He Sheng doesn't know is that as long as this crisis does not pass, no matter how low the interest rate is, no one will come to borrow money. Now many people cannot afford to repay their loans. Banks have a lot of bad debts to deal with, and the losses are huge." Gauss Yi With a sad face, I have to pay back all the money I earned.

"If the interest rate can be reduced to 3%, my company can borrow 2 billion. What does Mr. Gauss think?" It was about to see the dawn, and He Jiahao naturally wanted to make a good fortune.

"This" Gauss looked embarrassed. The interest rate of 3% was too low. However, if the bank did not lend the money, it would be a loss if it was left in the account. "An interest rate of 5%?"

"Let's compromise, 4%!" He Jiahao said with a smile, "Mr. Gauss, if a bank can lend money out, it will make a profit. If you keep the money, it won't increase."

"Well, I have to say that He Sheng is a very good negotiator and is very good at seizing the weaknesses of his opponents." Gauss smiled helplessly. If he persisted, he might push He Jiahao to his competitors.

The interest rate of 2 billion is 4%, and the interest for one year is only 80 million. For Huamei Real Estate Company, it is only two months of profit. But in the next bargain hunting, the 2 billion will make more than one billion, which is simply amazing. profit.

In fact, if ordinary people want such a low-interest loan, Gauss will definitely not agree. After all, the money they can earn is too little. But He Jiahao is different. He is the largest customer of the Xiangjiang branch of Wanguo Baotong Bank. Gauss needs to befriend him. And there is no need to worry about the loan becoming a bad debt, and even buying a favor for He Jiahao is very beneficial to the bank.

"Then thank you Mr. Gauss." He Jiahao smiled and thanked him.

"He Sheng, you are a tycoon in the real estate industry in Xiangjiang. According to your judgment, how long will this crisis last?" Gauss asked.

He Jiahao pretended to think, and after half a minute he replied solemnly, "I guess it will last for almost a year."

"One year?!" Gauss was a little frustrated. At first, he thought he would recover in half a year, but now only half of the time has passed.

He Jiahao smiled and said, "Mr. Gauss, the market is always ups and downs, and you need to have a good mental state to do finance."

"Yes, He Sheng is right! A good mental state is the preparation for everything." Gauss regained some confidence.

After returning to Huamei Real Estate Company, He Jiahao immediately notified the relevant departments of the company to go to Wanguo Baotong Bank to negotiate for a low-interest loan of HK$2 billion.

After obtaining this loan, Huamei Real Estate Company can immediately enter the bargain hunting market and easily sweep away some high-quality properties when all companies are wavering.

With New World Development's HK$1.5 billion in cash for the acquisition of Land Company, Ho plans to have Hutchison Group withdraw and sell all the acquired shares to the new company. These funds will be used for the privatization of Hutchison Real Estate Company. In this way, Hutchison Group will make a lot of profits. After all, Hutchison Real Estate has become a wholly-owned company of Hutchison Group, and all profits belong to Hutchison Group.

Of course, the biggest beneficiary is He Jiahao.

"The boss means that Hutchison Group will not participate in this bargain-hunting operation? All funds will be used to privatize Hutchison Real Estate and Watsons Group. But if two listed companies are privatized at the same time, the group's funds will definitely not be enough." Huo Jianning felt that the boss This is creating a problem.

He Jiahao has carefully considered not participating in the bargain-hunting operation, because Huamei Real Estate Company already has a loan of 2 billion, plus the funds from Manulife Development, I am afraid it will exceed 4 billion, and there are other companies joining. The market in Xiangjiang is too small, and he also One person cannot eat it all, it can only allow Hutchison Group to profit in another way.

"Well!" He Jiahao nodded slightly and said, "I know there are not enough funds, but I have ways to make up for the shortcomings of funds. Today's financial industry is in a slump. If we apply for a low-interest loan, I think the bank will probably agree."

"But Watsons Group has just made a lot of money in the retail industry. It has a lot of cash on its account and has also experienced gains in the stock market. It is relatively difficult to privatize." Huo Jianning said.

"Then it will consume all the funds on the account and even cause the Watson Group to owe a large amount of debt." He Jiahao said with a sly smile.

Huo Jianning frowned, "It looks too ugly. I might be scolded by shareholders."

"There is nothing ugly. The Watsons Group has funds in its books and it launches acquisitions of other companies. This is normal business behavior. After the acquisition is completed, it is also business behavior to find serious liabilities. In the end, Hutchison Group privatized it at a premium when Watsons was in trouble. , this is to make up for mistakes in decision-making, and at most I can say a few bad words about the management." He Jiahao said nonchalantly.

"Okay, then let's privatize Hutchison Real Estate first. It will be less difficult." Huo Jianning said.

"The companies acquired by Watsons should be completed faster and strive to be completed in the first half of next year, and the privatization should be completed before August next year."

Huo Jianning nodded. Although the boss's requirements were a bit harsh, as an executor, he would definitely do his best to complete them.

He Jiahao also knew that it was difficult for Huo Jianning, but everything was changing, and he had to handle the relationship between resources and maximizing interests.