"When I said no, I should be able to help you figure out a way. ”

The president of the Los Angeles branch of the Bank of America, whose name is Babe Robinson.

Not everyone is qualified, so let him temporarily give up meeting with others and receive him in person as soon as possible, which shows that Han Chudong does have some strength, at least the Los Angeles branch values it.

This is mainly because Han Chudong consulted about the loan a few days ago, trying to lend forty or fifty million US dollars at one time, and there are assets as collateral.

In this way, the loan task for the whole month of April can be overfulfilled, and it is definitely a VIP among VIPs.

According to the risk control department, it is almost impossible to see a company with such an amazing increase in performance in just one quarter, not to mention anything else, in the past ten days alone, nearly 20 million US dollars have been recorded in the corporate account of Rainbow Beauty, but the expenditure is not small.

It even attracted the attention of the IRS, thinking that this 20-year-old young Chinese was helping others launder money, only to find that there was nothing abnormal except for the huge amount of revenue.

Remember, it was 1974, and the average monthly salary in the United States was just over $500.

Han Chudong earns so much money that it is difficult not to attract the attention of the IRS, not to mention that he also set up his parent company in Puerto Rico, which makes the IRS even more annoyed.

However, after doing business cleanly, exploiting loopholes legally, and secretly investigating, nothing was found out, and it has died down.

In Babe Robinson's view, being secretly investigated by the IRS, but in the end no problem was found, this is already a reflection of its high reputation.

The loan proposed in advance will definitely be approved, but the VAM agreement with the bank you manage needs to be seriously considered, and you didn't say anything, adding: "According to what you said, our bank won't lose money anyway, and if the movie is successful, we can get an extra million dollars in interest, and even if it doesn't work, you will repay the interest and principal according to the loan interest rate, right?"

"That's what I mean, I'm very optimistic about that movie, and I'm definitely going to invest in it. ”

Han Chudong drank black tea and nodded.

After accumulating capital, it is now the banks that are begging him to take out loans and open accounts, and the interest on deposits has been increased and the interest on loans has been reduced.

There are also many other benefits, such as free upgrades, VIP lounges at the airport, chauffeur-drive transfers, free access to the golf course, and much more, to name a few of them.

24-hour butler service, if you need to call the bank directly, even if it is an unreasonable request to deliver a pizza, you can be satisfied.

No, just because banks can make millions of dollars in profits from people like them every year, the revenue of hundreds of thousands of ordinary accounts may not be able to reach this scale.

As a heavyweight VIP, many things are easy to discuss with the bank, of course, once something goes wrong, the bank is often the first to turn around.

President Babe Robinson nodded and asked tentatively, "But you've already lent so much money, isn't it enough to invest in a movie?"

"That money had other uses, I had my eye on a couple of European companies and I was going to invest in them. Even if I get a loan from your bank, my company's overall debt ratio is less than 45 percent, and I was recently persuaded to sell Rainbow Beauty for $100 million, and I am not going to sell it, and you know how large its revenue is. ”

Han Chudong sat on the sofa, crossed Erlang's legs and drank tea, and continued: "If you don't plan to gamble, you can help me increase the loan amount by 20 million US dollars, but you can't earn that extra income of 1 million US dollars." As long as the global box office exceeds 50 million dollars, I will pay this additional fee. ”

“...... Okay, when I finish asking the headquarters, I will give you an accurate answer, and I am definitely willing to support you, please rest assured.

As for increasing the loan amount, to be honest, your company is growing too fast, and I believe it would be easier to borrow if there were professional credit rating companies such as Moody's, Standard & Poor's, Fitch Ratings, etc., which can help provide an estimated market value. ”

"Well, I'll try to contact them, and remember to let me know when I get the result, remember JP Morgan, Citibank, etc., but they always advised me to go to them for corporate business. After Han Chudong said this with a smile, he put down the cup and stood up and stretched out his hand, and then was personally sent to the elevator by President Robinson.

......

The frantic expansion of rainbow beauty continues.

On the day of the Oscars, the company's name was prominently displayed, and more than a million dollars were spent on advertising.

Advertised in newspapers and women's magazines, but now it's paying off, and TV advertising is on the agenda, with an initial budget of almost $6 million.

Like those luxury brands, the main marketing cost of Rainbow Beauty is also in the advertising area, throwing money around to attract consumers to come and buy.

At present, only facial masks, lipsticks, toners, and lotion essences are being developed, and the employees of the product development department have unconsciously grown to more than 80 people.

It is precisely because he knows that the women's products market is too profitable, and it is more than ten times the profit at every turn, so Han Chudong decided to continue to cultivate and began to march into the fashion industry, aiming at European brands such as Gucci and Hermes.

In this era when female consumers are still rational, we are ready to take the lead in winning some luxury brand manufacturers for a small number of consumer groups, so as to prepare for the future of lying down to make money.

Due to the unexpected popularity of Rainbow Beauty, he has amassed some capital to expand, and the best way is to increase the company's debt ratio and borrow money while buying assets.

————————

I learned that my company has not been favored by the three major rating agencies.

Han Chudong took the initiative to contact these companies, paid someone to come over for evaluation, and asked the personnel of the company's finance department to cooperate.

Before the funds arrived, I first entrusted a third-party agency to go to Europe, contact the shareholders of those luxury companies, and try to buy shares from them, the target is Gucci, Hermès, and YSL, buy as much as you can, and take your time with the rest.

Listed companies such as Chanel and LV are also within the target, but due to the shortage of funds, it is impossible to take too big a step at once.

The assets on hand have exceeded 100 million US dollars, and Han Chudong's Mason United Group is quietly carrying out a new round of expansion, with the help of President Babe Robinson, it almost didn't take much effort, and the entire 50 million US dollars in assets were put into the corporate account of Mason United Group.

There is no news about the VAM agreement yet, and it is said that a shareholder at the headquarters of Bank of America feels inappropriate, but the CEO has nodded and it is only a matter of time before he gives a reply.

In such a situation.

Han Chudong first contacted the investment bank, taking advantage of the decline in Intel's stock price, to increase his holdings of about $7 million in stocks.

Let his subordinates follow up, and he himself took more than $40 million and rushed to Italy on a United Airlines plane to handle the new business himself......