Reborn Capital Tycoon

From Li Guowei's point of view, there is no problem with Rubik's Cube patent mortgage, but from Chen Yi's point of view, there is a big problem.

Although Li Guowei also believed in Li, the other party was only Li Wenhui's uncle after all, and this uncle was not a relative, but a cousin.

He can trust Li Wenhui, but it doesn't mean he can trust him, Li Guowei. Even if the other party is the general manager of Hang Seng Bank, what does this prove?

Could it be that because Li Guowei is the general manager of Hang Seng Bank, Chen Yi has to believe that the other party regards money as wasteland?

In the face of absolute interests, everything is empty.

Because human nature is the most unbearable test.

Later generations, Li Chaoren sold his inland properties and turned to buy the bottom of the UK. As a result, he was reviled by countless people in the country and his reputation was discredited.

What for?

It's not for the benefit of the word.

From Chen Yi's point of view, there is no difference between the two, the only difference is that they have different status and status. Even people like Li Chaoren would not hesitate to ruin their own reputation for the sake of profit, let alone other people.

Therefore, it is no wonder that Chen Yi treats the belly of a gentleman with the heart of a villain.

The main reason is that the society in this era is too dark, and the simple foolishness here will sooner or later be swallowed up to the bone.

Li Guowei asked a little puzzled: "Xiao Yi, what's the problem?"

Chen Yi said, "Patent mortgages are not acceptable."

Li Guowei: "..."

Seeing Chen Yi's insistence, Li Guowei immediately said: "Xiao Yi, if you insist, then Hang Seng Bank can only lend you a maximum of two million Hong Kong dollars at the moment."

Chen Yi heard the words and asked, "Then what if the patent is mortgaged?"

"Three million" Li Guowei stretched out three fingers and said.

"Three million?" Chen Yi shook his head and remained silent, not because he was hypocritical, but because he felt that Li Guowei completely regarded watermelon as sesame.

The patent of the Rubik's Cube toy is only worth one million. If this is said, people will laugh their teeth out.

Seeing Chen Yi shaking his head, Li Guowei continued: "It can be doubled at most, four million, which is the highest amount."

Chen Yi stood up from the sofa, smiled and said politely: "Mr. Li, I think it's better to forget it!"

"Uh..." Li Guowei's face changed slightly when he heard Chen Yi's change of address, but he was a person who had experienced big storms, and he didn't show the displeasure in his heart.

"Xiao Yi, tell me, how much do you want to borrow?"

Chen Yi stretched out five fingers and said, "The minimum is not less than five million Hong Kong dollars."

"No less than five million." Li Guowei smiled, then shook his head in a speechless tone, "The value of your Dafeng Toy Factory is not worth five million Hong Kong dollars now."

Hearing this, Chen Yi felt a little regretful, but he didn't feel any loss.

The only difference between taking a loan and not taking a loan lies in whether he has prepared in advance or not. Even if he can't get a penny loan, the Rubik's Cube toy will still be popular.

Seeing Chen Yi's calm look, Li Guowei couldn't help being a little surprised, how could he show a little disappointment if it was someone else.

No matter how good a person is, he won't be unresponsive.

Judging from his experience, Chen Yi's expression didn't look like it was faked. The other party obviously didn't care much about whether he could get a loan.

Thinking of the charm of the Rubik's Cube toy, Li Guowei thought for a while, and said, "Well, let me help you get a loan of 3 million yuan first. You don't need to use the patent as a mortgage, as long as you use the Dafeng Toy Factory as a mortgage. The other one million is my little support for you."

Chen Yi quickly waved his hands and said, "How embarrassing this is."

Li Guowei said: "There is nothing embarrassing, the one million is also loaned to you, and the interest will be higher than the first two million."

"How high is it?" Chen Yi subconsciously asked.

"At least two percentage points." Li Guowei stretched out two fingers.

The corner of Chen Yi's mouth twitched and said, "That's nine percent."

"That's right," Li Guowei nodded.

Now that the stock market crash hits all walks of life, the number of companies that go bankrupt in Heung Kong every day is countless, and the number of companies and individuals that apply for loans from banks every day is unknown.

Not to mention nine percent interest, even if it is doubled, as long as the bank is willing to lend to those people for emergency, some people will accept it without hesitation.

Paying exorbitant interest is better than going bankrupt.

However, at this time, banks are more afraid to lend to the outside world. This stock market crash has just begun, and no one knows how far it will develop in the end. What if there is another run?

You must know that Hang Seng Bank has suffered a lot from a run. Although it is now guaranteed by HSBC Bank, this does not mean that it is foolproof.

Although HSBC is one of the two major note-issuing banks in Hong Kong, this does not mean that HSBC can sit back and relax.

"Then trouble Uncle Li."

Nine percent is just nine percent, one million more, and a lot of preparatory work can be done.

Now the employees of Dafeng Toys Factory are paid more than 100,000 yuan a month, and the pressure is huge. If the Rubik's Cube toy hadn't been sold this month, with the little money he had before, he wouldn't even be able to pay the employees' wages.

Next, there will be a Rubik's Cube competition, as well as the 200,000 sponsorship fee he promised TVB before, as well as a series of expenses such as raw materials and the purchase of new equipment.

If there is no loan, the factory can only be barely supported in the future. Once there is a problem with one of the mitigations and the capital chain is broken, it will be over.

Seeing that Chen Yi immediately changed his name again, Li Guowei pointed at him, then shook his head with a wry smile and said, "You really are, kid."

Li Guowei didn't finish his sentence, and left half a sentence. He was not dissatisfied with Chen Yi's reality, but "he is still young after all, and some things that are sophisticated in the world still need to be tempered." '

At Chen Yi's age, it was understandable.

Without saying anything, Li Guowei got up and walked to his office chair, picked up the phone and called Manager Chen.

The next loan matter, of course, does not require him, the general manager, to go there in person. Although he values ​​Chen Yi's junior, he is the general manager of Hang Seng Bank after all, and there are not many people in Xiangjiang who can work hard for him. .

At this time, Chen Yi remembered the change in his address to Li Guowei just now. He was not realistic, mainly because of what he had just said.

"Manager Chen, you can help Xiaoyi take care of the loan in a while. The loan amount is 3 million. The 2 million loan is secured by Dafeng Toys Factory. The other 1 million is my personal insurance for him..."

"Okay, general manager," Manager Chen nodded.

Three million, although one million more than he expected, but as the general manager of Li Guowei, it is not a big problem to borrow this extra money.

Furthermore, with Li Guowei's net worth, one million Hong Kong dollars is really nothing, and it is no problem at all to insure Chen Yi.

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