Reborn Tycoon Rise

"That's right..." Xu Zhi smiled and said, "That's right. It's hard to find such a fat pig, so naturally you have to set up a cage. There is nothing wrong with HSBC doing this."

Anniversary Mao nodded and said: "It's just that now that we have acquired Land, this trouble is in our hands. Even if we can find other loans with lower interest rates, repaying HSBC's debt in advance will require liquidated damages. In any case, After all, it’s still very uneconomical.”

Xu Zhi then asked: "How much does Land owe HSBC?"

Anniversary Mao replied: "Chairman, because of your previous capital injection, we have repaid the short-term debt owed by Land, of which almost HK$2 billion belongs to HSBC.

Of the remaining long-term debt, almost HK$9 billion comes from HSBC, of ​​which HK$4 billion is the mortgage loan of Exchange Square, which means the interest on this loan is 25%, and the remaining HK$5 billion comes from several projects. , these interests are within the normal range. "

"We still owe 9 billion." Xu Zhi nodded. HSBC is the largest bank in Hong Kong. It is not surprising that more than half of Jardine's loans come from HSBC.

Zhou Xianmao said: "Currently, Land Group's largest creditor is HSBC, especially for the Exchange Square project. If we can persuade HSBC to make appropriate steps back in loan repayment, our funds will not be so tight.

I also visited Shen Bi, but Shen Bi did not agree. "

"Of course it's impossible. How can you spit out the meat you eat in your mouth?" Xu Zhi shook his head with a smile, and then said: "It's impossible to want HSBC to lower interest or liquidated damages, but if it's repayment In terms of methods, we can start."

Zhou Xianmao asked: "What does the chairman mean by deferred repayment? This can indeed reduce the current debt pressure, but the total repayment amount will also increase."

"There are gains and losses. Whether it's worth it or not depends on each person's actual situation." Xu Zhi said with a smile: "You don't have to worry about this matter. I will ask Shen Bi to come out and talk about it. I will let you know when there is a result." you."

"Okay, Chairman, I'll go back first." After Zhou Mao finished speaking, he retreated.

…

Three days later, Xu Zhi specially invited Shen Bi to come for tea in the private room of the Cultural Oriental Hotel.

"Xu Sheng's movements are really fast. He annexed Land in such a short time." Shen Bi sat opposite Xu Zhi and said with a smile.

Xu Zhidao: "The Chinese have a saying that the most important thing in war is speed. If you don't take action, you will naturally have to be fast, accurate and ruthless when you take action. You must win the target in one fell swoop."

"What a fast, accurate, and ruthless person." Shen Bi nodded and smiled: "Xu Sheng has now obtained land, and he can be said to be the first person in the entire Xiangjiang. It is estimated that it will be difficult for any company to come into Xu Sheng's eyes again in the future. Bar?"

"In fact, I am very satisfied with the acquisition of Land. As for other companies, there are many excellent ones. I don't dare to look down on others." Xu Zhi answered ambiguously. He knew that although Shen Bi said it casually, It is also a kind of temptation.

Shen Bi did not dwell on this issue anymore and said, "Then I wonder why Xu Sheng invited me here today?"

Xu Zhi said: "Mr. Shen Bi, the current land is owned by me, and I will naturally bear the debt. However, there are some problems with the loan interest rate of the Exchange Plaza project, so I hope to discuss it with Mr. Shen Bi."

"Xu Sheng, this interest rate was set in black and white in the contract between HSBC and Bao Fuda. Even if Land has been acquired, the contract will not be affected in any way." Shen Bi replied directly.

Xu Zhi nodded and said: "The contract is naturally not a problem, so I asked Mr. Shen Bi to come out today just to discuss a reasonable plan."

"Xu Sheng wouldn't think that HSBC would give up the benefits it has already obtained so casually!" Shen Bi said with a smile.

"Of course, I wouldn't be able to give up casually, so I specially brought a deal." Xu Zhi said with a smile. The interest rate of this loan for Land Land is at least about 8% higher than that of ordinary commercial loans. 40 100 million in principal, deducting the bank's operating costs, can earn HSBC 300 million Hong Kong dollars out of thin air in one year.

At present, HSBC's annual profit is only about HK$2.5 billion, and it is impossible to give up this huge profit no matter what.

After all, this kind of thing only happens once in ten years, and only arrogant and arrogant people like the Jardines who manage companies other than their own are willing to sign such an agreement.

Shen Bi asked curiously: "What kind of deal?"

Xu Zhidao: "A few months ago, I went to Beijing and reached an investment plan with some officials there to build a modern International Trade Center in Beijing, involving 3 office buildings, 1 luxury hotel and a A large-scale convention and exhibition center with an initial total investment plan of US$500 million.

At the same time, I will also build a landmark building in Shanghai. The initial plan is to build two 60-story twin buildings with a total investment of almost US$300 million.

Both projects require loans from banks outside the mainland. If Mr. Shen Bi agrees to change the interest rate of the Land Exchange Plaza to normal interest, then I can get loans from HSBC for these two projects. "

"I didn't expect Xu Sheng to invest so much money after a trip to the mainland!" Shen Bi couldn't help but sigh.

Xu Zhi said with a smile: "Both and each other, HSBC has also provided a lot of financial assistance to a large number of infrastructure projects in the mainland in recent years!"

Shen Bi can be said to be the most influential executive in the history of HSBC. Although he has only been in office for ten years, he has formulated a development plan for the entire HSBC bank in the next twenty years, including giving up the central bank privileges granted to HSBC by the Hong Kong government while in office. , acquired SITC Bank in the United States and continued to inject capital. In the 1990s, it acquired a British local bank and entered the European market, eventually achieving global development.

It is also very cooperative with the mainland's policies. HSBC can be seen in a large number of infrastructure projects in the mainland. For example, HSBC provided 90% of the loans for the Guangzhou-Shenzhen Expressway invested by Hu Yingxiang.

"HSBC is very willing to be Xu Sheng's investment partner in the mainland. I can promise to reduce the interest on real estate to the normal market level, but I have one condition?" Shen Bi said.

Xu Zhi said: "Please tell me!"

Shen Bidao: "I hope HSBC can participate in the financing plan of Hutchison Whampoa Pier 7 and Whampoa Plaza. The interest rate can be 20% off the market interest rate, but I hope to get half of the share."

"Half is a bit much!" Xu Zhi said with a frown. The investment amount in Whampoa Plaza and Pier 7 is huge. Hutchison Whampoa naturally needs bank financing for investment. According to Hong Kong's banking laws, Xu Zhi's own Bank of East Asia cannot Participate in these two projects, and given the size of Bank of East Asia, it does not have the ability to swallow these two projects.

Therefore, other banks in Xiangjiang and even the United States and Japan are more interested. At present, the negotiations for the first phase of the loan project have been completed, and the project has begun to enter the preliminary preparation process.

If HSBC wants to get half of the share, it will almost have to give him more than half of the subsequent second and third phases of the loan.

As for the so-called 20% discount, it is naturally very attractive when the current real estate situation is not good. However, when Huangpu Plaza and Pier 7 are developed into the second phase, the real estate market will be completely different. By then, what can be negotiated with banks will be There is more space.

Shen Bi said: "Xu Sheng, whether it is the discount on interest or the share of the loan, we can discuss it slowly. This matter is not urgent. There is another thing. A British director on the board of directors of HSBC plans to return to the UK for retirement because of his age. He has already He resigned as a director, so the board of directors needs to recruit a new member, and I hope Xu Sheng can join!"

"Join the HSBC board of directors?" Xu Zhi was also a little surprised. HSBC's main power lies with Taipan. Although the board of directors often exists in name only, its status in Xiangjiang is still very high.

With Xu Zhi's current status, he doesn't need this kind of position to set off, but Shen Bi obviously did this intentionally to draw into the relationship between the two.

As the saying goes, don't hit the smiling person. Xu Zhi nodded and said: "Okay, I am also quite happy to be able to become a director of HSBC."

Shen Bi nodded and said, "Okay, I will arrange a meeting with the board of directors, and then notify Xu Sheng to come and participate!"

"Okay, I'm always waiting for good news." Xu Zhi nodded and smiled. He did have some conflicts with HSBC before, but in fact they were all for profit.

There are no enemies in the capital market, only interests. This time HSBC took the initiative to make friends with him, which was also an interest.

In the shopping mall, unless you are a competitor in the same industry, there is no need to get into trouble.

…