"That's right......" Xu Zhi smiled: "That's right, I finally encountered such a fat pig, so I naturally have to set up a cage, and it is understandable for HSBC to do this." ”

Nian Mao nodded: "It's just that now that we have acquired Hongkong Land, this trouble is in our hands, even if we can find other loans with lower interest rates, but early repayment of HSBC's debt will require liquidated damages, all in all, it is still very cost-effective." ”

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

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

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

"There are still 9 billion owed. Xu Zhi nodded, HSBC is the largest bank in Xiangjiang, and it is not surprising that more than half of the loans of the Jardine Matheson system come from HSBC.

"At the moment, Hongkong Land's biggest creditor is HSBC, especially for the Exchange Square project, and if we can convince HSBC to make a modest regression in loan repayment, then our funds will not be so tight," said Juan Mao.

I also visited Shen Bi once, but Shen Bi didn't agree. ”

"Of course it can't be, how can the meat that has been eaten in the mouth be spit out again. Xu Zhi shook his head with a smile, and then said: "If you want HSBC to reduce interest or liquidated damages, it is unlikely, but if it is a repayment method, you can start." ”

Nian Mao asked: "What does the chairman mean to postpone the repayment? This will indeed reduce the current debt pressure, but the total repayment amount will also increase." ”

"There are gains and losses, and whether it is cost-effective depends on the actual situation of each person. 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, and I will inform you when there is a result." ”

"Okay, chairman, then I'll go back first. After Nian Mao finished speaking, he retreated.

......

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

"Xu Sheng's actions are really fast, and he has annexed the land in such a short time. Shen Bi and Xu Zhi sat opposite each other and said with a smile.

Xu Zhidao: "The Chinese have a saying that the soldiers are fast, either they don't make a move, and they will naturally be fast, accurate, and ruthless when they make a move, and they must win the target in one fell swoop." ”

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

"In fact, I am indeed very satisfied with the acquisition of Land, as for other companies, there are many excellent ones, and I dare not underestimate others. Xu Zhi replied ambiguously, he knew that although Shen Bi said it casually, it was also a temptation.

Shen Bi didn't dwell on this question anymore, and said, "Then I don't know why Xu Sheng invited me here today?"

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

"Xu Sheng, the setting of this interest rate was signed by our HSBC in black and white with the original Baofuda, even if the 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 have thought that I, HSBC, would give up the benefits that I have already received so casually!" Shen Bi said with a smile.

"Of course, I can't give up at will, so I brought a deal on purpose. Xu Zhi said with a smile, the interest rate of Hongkong Land's loan is at least 8% higher than that of general commercial loans, and the principal of 4 billion yuan, deducting the bank's operating costs, can earn 300 million Hong Kong dollars for HSBC out of thin air in a year.

At present, HSBC's annual profit is only about 2.5 billion Hong Kong dollars, and it is impossible to give up this huge profit.

After all, this kind of thing is rare in ten years, and only those who are arrogant and arrogant people who are not managed by Jardine Matheson 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 three office buildings, one luxury hotel and a large convention and exhibition center, with an initial total investment plan of 500 million US dollars.

At the same time, I will also build a landmark building in Shanghai, and the initial plan is to build two twin towers with 60 storeys high, with a total investment of almost US$300 million.

Both projects require loans from banks outside the mainland, and if Mr. Shen Bi agrees to change the interest rate of Hongkong Exchange Square to normal interest, then I can borrow from HSBC for these two projects. ”

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

Xu Zhi said with a smile: "HSBC has also provided a lot of financial assistance to a large number of infrastructure projects in the mainland over the years!"

Shen Bi is arguably the most influential senior in HSBC's history, although he has only been in office for ten years, he has set a development plan for the entire HSBC for the next 20 years, including giving up the central bank privileges granted to HSBC by the Hong Kong government during his tenure, acquiring the US bank SITC and continuing to inject capital, and acquiring a British local bank in the 90s, entering the European market, and finally achieving global development.

The policies on the mainland are also very cooperative, and a large number of infrastructure projects in the mainland can be seen in the form of HSBC, such as the Guangzhou-Shenzhen Expressway invested by Hu Yingxiang, HSBC provides 90% of the loans.

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

Xu Zhi said: "Please speak!"

Shen Bi said: "I hope that HSBC can participate in the financing plan of Hutchison's Pier 7 and Whampoa Plaza, and the interest can be 20% off the market interest, but I hope to get half of the share." ”

"Half of the words are a bit too much!" Xu Zhi frowned and said, the investment in Whampoa Plaza and Pier No. 7 is huge, and Hutchison naturally needs to invest through bank financing, according to Xiangjiang's banking law, Xu Zhi's own Bank of East Asia cannot participate in these two projects, and with the scale of the Bank of East Asia, it is not capable of swallowing these two projects.

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

If HSBC wants to get half of the share, it will have to give him almost half of the share of the loan in the second and third phases of the follow-up.

As for the so-called 20% off, it is naturally very attractive when the current real estate situation is not good, but when Huangpu Square and Pier 7 are developed to the second phase, the real estate market is completely different, and at that time, there will be more room for negotiation with the bank.

Shen Bi said: "Xu Sheng, whether it is the discount of interest or the share of the loan, you can talk about it slowly, this matter is not in a hurry, there is one more thing, a British director of HSBC's board of directors is ready to return to the UK for retirement because of his age, and has resigned as a director, so the board needs to re-admit a new member, and I hope Xu Sheng can join in!"

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

With Xu Zhi's current identity, he doesn't need this kind of position to set off, but Shen Bi obviously intends to pull in the relationship between the two.

The so-called reaching out and not hitting the smiling person, Xu Zhi nodded and said: "Okay, I am also quite happy to be a director of HSBC." ”

Shen Bi nodded and said, "Okay, I will arrange a meeting on the board of directors, and inform Xu Sheng to come together when the time comes!"

"Well, I'm always waiting for good news. Xu Zhi nodded and smiled, he did have a certain conflict with HSBC before, but in fact, it was all for the sake of interests.

There are no enemies in the capital market, only interests, and this time HSBC took the initiative to make friends with him.

In the shopping mall, unless there are competitors in the same industry, there is no need to make a fuss.

......