The Birth of the Hong Kong Island Family.

Chapter 126 [Going to the main entrance]

When Lin Zhichao came to the HSBC headquarters in Queen's Road Central, he couldn't help showing envy. What he envied was that HSBC could have such a beautiful building, and when would he be able to build his own headquarters office building in Central.

Currently, HSBC has only two branches in Hong Kong, Queen's Road Central and Kowloon Branch.In Hong Kong, only two or three banks have opened branches.

Unlike later generations, these banks have dozens of branches.It is estimated that it will not be until the end of the peninsula war that the major banks will gradually open a large number of branches in order to grab deposits.

Approaching the HSBC Building.

At this time, HSBC Bank still retains such a practice: foreigners enter HSBC Bank through the main entrance, while Chinese can only enter through the back door.Obviously, the British consortium looks down on the Chinese at this time.

Not only that, HSBC Bank also disdains to do business directly with the Chinese at this time. If the Chinese want to borrow money from HSBC, they must go through a foreign company or an old family like Lijia and He, and then the foreign company will lend it to a Chinese businessman or an old Chinese family. Make a guarantee or an introduction.

Of course, nothing is absolute!

Despite these subtle regulations, Lin Zhichao stepped in through the main entrance, and the staff of HSBC did not stop him.

"Sir, what can I do?" A British staff member stepped forward and asked.

He was overwhelmed by Lin Zhichao's calm and confident demeanor, thinking that this person must be from an old Chinese family, that is, a 'high-level Chinese', so he used a very polite tone.

Lin Zhichao said: "I have an appointment with Sanders, please take me to his office!"

The foreigner staff thought, as expected, and immediately said: "Okay, please follow me!"

Lin Zhichao was amused, these foreigners seem to be superior to others, but in fact they are equally respectful to the strong.

So if the Chinese want to be respected, they have to be rich.

He Dong once told Lin Zhichao such a story:
When he was young, he asked his foreign father: "Why do the British look down on the Chinese?"

He Shiwen said: "Because the Chinese people are poor."

This sentence, He Dong said that he will never forget it, and it became the driving force for him to settle down.

Lin Zhichao thinks it makes sense. Even the Hong Kong garment factories at this time look down on orders from Africa. The reason is not the same.When you see a group of people who don’t even have enough to eat and are dressed in tattered clothes, your first reaction is not to be pitiful, but to reject and look down on you from the bottom of your heart.

The whole world is like this, as long as you are rich enough, you will be the guest of others wherever you go.

soon.

Lin Zhichao followed the British staff and came to the door of an office of HSBC Bank, where 'Import Department (Import Department)' was written in English on the outside.

"dong dong"

"Deputy Manager of Sandas, this Mr. Lin said that he has an appointment with you."

Lin Zhichao walked into the office and found two people inside. According to the staff, he analyzed that one was the manager of the import department and the other was Sanders, the deputy manager of the import department.

This changed his mood slightly. It turned out that Sanders was only the deputy manager of the import department at this time.At the same time, he was also worried about one thing. If Sundas is willing to support global shipping, then he must be in charge!

In this way, wouldn't Lin Zhichao be able to use the peninsula campaign to rapidly expand the fleet?

But now is not the time to hesitate, Lin Zhichao quickly took over the staff's words: "I am Lin Zhichao, the founder of Cheung Kong Properties, Cheung Kong Properties, and Global Shipping. I take the liberty to contact HSBC. Please take care of me."

Sandas was about to raise his legs and put them on the desk, so as to give this reckless Chinese a blow, but when he heard "the founder of Cheung Kong Industrial, Cheung Kong Properties, and Global Shipping", he stopped this action.

The name of a person, the shadow of a tree, as the newly emerging rich Chinese, Sandas will not reject it.Because news came out that he had been designated as a project manager to be in charge of the loan project in Hong Kong.

The other is Guy Saina, the manager of the import department, who is also rumored to be the future chairman of HSBC.

Although Sandas felt Lin Zhichao's strength, he did not stand up to greet him. Instead, he said in a flat tone: "Mr. Lin came to our HSBC through the main entrance or the back entrance?"

He is putting pressure on!HSBC is the lifeblood of Hong Kong's economy, how could it win over a Chinese businessman who has just emerged at the first sight?

"Of course it's the front door. Sooner or later, HSBC will take the initiative to let go of its stance and seek loans from Chinese factory owners. Will they continue to continue such stereotypes and vulgar customs?"

Lin Zhichao was not forced to the cliff, so he didn't need to humble himself to HSBC.If HSBC does not support him, Lin Zhichao will open his own bank. Although it may not be able to become bigger and stronger, it can still attract a lot of deposits.

What's more, he entered the shipping industry five years earlier than the charter king, how could he lose!

Guy Sena watched the excitement from the sidelines and did not intervene in the confrontation between Sanders and Lin Zhichao.

Sanders laughed 'haha', still full of the arrogance and rudeness of the British in his affection, but he didn't drive away the passengers; in this regard, he was much better than old Madden.

"You don't need to worry about this!"

Then Sanders added: "So, you are here to seek a loan. But you may be in the wrong department. We are the import department."

These words can be regarded as easing the unhappiness of the first meeting. Both parties must have been a little unhappy, but after that, they finally chatted.

Lin Zhichao said calmly: "I don't know the heads of various departments of HSBC, but I think that since I came to the office of the import department, I naturally don't want to return without success."

Seeing this, Sandas remembered that he had appointed a project manager, so he said, "It's okay, you can talk about your appeal. If possible, I don't mind introducing you to someone from the project department."

Lin Zhichao said: "I want to make a loan for Global Shipping! At present, our Global Shipping has a total of four cargo ships, namely... one of the Victory Ships and two Liberty Ships. We have already found an excellent customer-Japan Yamaguchi Shipping, and A contract with a half-year lease period has been reached So, I want to use the contract as collateral to secure a loan for global shipping."

After a detailed introduction, Lin Zhichao looked at Sandas and Guy Senna. This loan is like a "voting certificate"; Base.

After hearing this, Sanders said: "HSBC Bank cannot provide loans for shipping, including the Bank of East Asia or other banks you have been cooperating with, will not provide loans for shipping. Presumably, you should be aware of this."

HSBC has an unwritten rule, what its peers and its staff call a "black book," which reads: Please don't invest in shipping, airlines and movies.This "rule" is not only shared by HSBC, but also by other banks. The reason may be that the risk is too great.

Of course, Lin Zhichao will not give up: "I refuse to take out loans because the risk is too great. I have three reasons, which I can tell you: First, after World War II, the world economy recovered, trade between various places increased, and shipping It is the cheapest mode of transportation, and it will surely make a difference. Some American economists predict that there will be 20 years of shipping. "

"Second, our global shipping adopts a long-term lease contract. Japanese customers send money regularly every month, and we repay regularly. This is a pioneering work. Although the profit is only about 80% of the one-way trip, the risk is also low. Customer trust."

"Third, with the start of the Peninsula War, Japan has become the logistics base of the United States. A large number of orders will rapidly develop Japan's economy. There will be a shortage of ships in the Far East, and demand and freight rates will rise."

Knowing the future of Sandas, he was naturally willing to tell his reasons and persuade Sandas that if he didn't get the loan immediately, he would get the loan later.

Sure enough, the expressions on the faces of Sandas and Guy Sena changed, and they seriously thought about Lin Zhichao's words.As a banker, it is natural to have your own analytical skills.

After a long time, Sandas still said: "Mr. Lin, your analysis is very convincing, but I can say with certainty that the project department of HSBC Bank will not choose to lend you." Then he added: "Of course, I I'm very interested in global shipping, don't mind if I take the time to investigate."

The so-called inspection is nothing more than looking at how the company's financial statements are doing and how its business management is, so as to judge whether the company has development prospects.

At this time, Lin Zhichao also understood one thing. Although Sanders is currently the deputy manager of the import department, he is likely to be transferred to the project department as the manager in the next few years.And his boss, Guy Senna, will also be promoted, maybe he will be the chairman or vice chairman of HSBC.

"Of course! Although I have not obtained a loan from HSBC Bank, I insist that HSBC Bank will see the stable and good operation of global shipping." After speaking, he handed his name card to Sandas and Saipan Senna .

After Lin Zhichao left, Saipan asked, "Do you like this Chinese businessman?"

Sanders nodded and said: "I have heard of Changjiang Real Estate and Changjiang Industrial. This young man is very capable. He is a Chinese businessman worthy of our HSBC. So, no matter how well the shipping is doing, I will visit it naturally. no problem."

Saipan said: "It really makes sense! He can create today's achievements from nothing, this young man deserves the support of our HSBC Bank no matter what! Of course, there is no problem if it is buying a house or doing business; but looking at him, I just want to Get a loan for shipping. So, watch and watch, maybe like he just said."

Sanders said again: "Indeed! What I admire about him is that even Japan's economy will develop rapidly and the Far East will experience a ship shortage. These analyzes can be concluded, which shows that this person's vision is very vicious. Of course, whether the Far East will cause trouble or not Ship shortage, this is unknown, you can continue to observe."

the other side.

When Lin Zhichao walked out of HSBC, he didn't feel depressed, because he knew from the beginning that this year was just an observation time for both sides.When I sign a "three to five-year long-term contract" with Yamaguchi Steamship next year, it will be the time to really test both sides.

Yes, feeling that HSBC is wary of shipping, Lin Zhichao intends to try to sign a long-term contract with Japanese customers for three to five years.He is not worried about Japanese merchants not signing contracts. He must know that once there is a ship shortage or high freight rates, some customers are willing to sign long-term contracts of more than three years, because this can avoid higher costs.

For contracts of more than three years, the freight price is only 75% of that year, which obviously saves a lot.As for the shipping cycle, everyone knows that it does not end in one or two years, it is very long.

How did the charter king get rich in his previous life—he bought an 8200-ton freighter and leased it to Japan for only a few months, and then Egypt closed the Suez Canal, and his ship contract just expired. Double the price for a three-year renewal with at least three times the price.

Based on this, Lin Zhichao is full of confidence. His shipping career started five times higher than that of the charter king, and he has another opportunity-the ship shortage in the Far East; if he gets the support of HSBC Bank first, then he is already invincible place.

Even if Bao Yugang was supported by HSBC in the future (Shen Bi supported many shipowners, on the contrary, the support for Bao Yugang was reduced), then Bao Yugang could not have half of the achievements of his previous life.

It can be said that Lin Zhichao robbed the luck of 'Bao Yugang' and 'Li Jiacheng', and with his knowledge, he can achieve even greater achievements overseas.

Two days later.

Sandas brought the staff of HSBC to the central office building of Global Shipping. Lin Zhichao personally entertained them. On behalf of HSBC, they carefully reviewed the accounts and operations of Global Shipping.

And Lin Zhichao also handed over all the information on the global shipping to the people at HSBC, because the two sides need to gain mutual trust.

At this time, Lin Zhichao felt that his guess was true, that is, Sundas also knew that he had appointed a project manager by default, so he was so enthusiastic.

"The profit of global shipping is very high. This is something I was quite surprised by! Your Global Maritime Academy can be regarded as the first of its kind to open up Hong Kong shipping. It is a very innovative initiative. Overall, global shipping is impeccable. Even Mr. Lin, the boss, has great confidence."

From the company's management and operations to its financial situation, Global Shipping is very satisfying to Sundas, so I can't help but praise it directly.

Lin Zhichao responded with a smile: "I know the 'black book' of bankers, but I also have enough confidence to gain the trust of the bank. I think that bank loans generally require guarantees, and my achievements in real estate and industry should be guaranteed. Myself. In addition, Global Shipping has a lease contract in hand, so there should be no problem. What do you think?"

At this time, Sandas was already excited. He would become a project manager in the future, but he also needed to make his own achievements; the Chinese in front of him was a very prominent businessman. He was only in his 20s, but he created tens of millions of wealth from scratch Has a broad business network.

Let me ask, is there a better candidate?

Directly recommending it to the project manager, Sandas felt that it was a bit 'unfavorable to himself', so he asked, "Does Mr. Lin know how to play golf?"

Lin Zhichao answered this question with his usual attitude: "I don't think it should be difficult!"

Sandas laughed 'haha', and then said: "Not necessarily! Do you have time on weekends?"

He has decided to be friends with Lin Zhichao first, and then he will think about it——as a friend, he will guarantee and run shipping loans for Lin Zhichao in the future.

In other words, Sandas decided to bet his own future!
This is a very risky move, but Sundas thinks it has a great chance of winning, because he has seen many advantages from Lin Zhichao.

Of course, this is a slow process. Sundas has to learn about Global Shipping and Lin Zhichao slowly.

Later, the two agreed to play golf at the Deep Water Bay Golf Course on the weekend, and Sanders left with his staff.

"Boss, will HSBC provide us with a loan?" Feng Yongfa couldn't help asking excitedly.

If it really gets the support of HSBC, global shipping will be connected to the sky, and the future will be bright.

Lin Zhichao said calmly: "It's easy to provide a loan! For example, based on the current asset situation of Global Shipping, assuming a loan of 50 million US dollars, plus my personal credit guarantee, I believe this is not a problem. The biggest problem is that HSBC is willing to With what strength, we will support our global shipping. Assuming that only one or two loans will not change much, so we must work hard to prove ourselves, and we must do better in management, operations, and financial skills.”

Feng Yongfa immediately nodded and said, "The boss is right! As far as the situation just now is concerned, Sandas seems to be very interested in the quality of our seafarers, operating routes, and company management."

Lin Zhichao immediately said: "Don't bother with these things for the time being. To strengthen the management team, you have to do some work immediately. The first task is to expand the management team and increase the talent pool; then you can look for a bigger office building in Central, preferably near HSBC It’s the best time to rent the next floor of the bank’s office building.”

He is not afraid of raising 'idle people', because he understands that global shipping will soon develop, and the key is that the management system cannot lack talents.

"Okay, I'll get ready right away!" Feng Yongfa said energetically.

Lin Zhichao nodded. Feng Yongfa is very important to him. Although he is from Ningbo, he has rich experience in large government-owned enterprises in the Mainland. It is almost similar to Bao Yugang's position in a bank in the Mainland. Of course, Feng Yongfa is the management of a shipping company. .

However, Gao Qiqiang, the business manager of Global Shipping, is also a native of Guangdong Province. He worked for a British foreign company in his early years and served as the management team.

In Global Shipping, there is no geographical distinction, because their boss is a Cantonese and a son-in-law from Shanghai; moreover, Lin Zhichao prefers to use the system to manage people, and he attaches great importance to the company's welfare system and corporate culture.

For example, when the sailors were still students, they would often organize football activities in the open space of Cheung Kong.When Global Shipping's finances allow, Lin Zhichao also plans to build a sailor's building, a leisure space for sailors after disembarking.

Although there is a lot of extra expenses, Lin Zhichao is good at taking advantage of the "shipping cycle", so it is just a sprinkle of water.

After Feng Yongfa went to work, Lin Zhichao thought of Sanders' attitude and immediately felt relieved.

After all, he wasn't Bao Yugang looking for him out of poverty. After all, he had already made achievements in the business world, so it was easier for him to get the favor of HSBC Bank.Therefore, he will work hard to expand his fleet in this wave of 'shipping cycle'.

(End of this chapter)