There is no such thing as absolute fairness in this world.

Especially in business.

After Yu Zhu's failure in the Giant Group, when he came out after a few years of lurking, countless business tycoons contributed to him and promoted him, which allowed him to make a comeback in a short period of time and achieve a great cause again.

There is also an old man Chu from Caiyun Tobacco Factory, who came out in his 70s after being imprisoned, started a business again penniless, and became rich within 10 years, isn't this also relying on the help of his former friends?

If you change to another person, to an ordinary person, do you see if you can make the big guy hold millions and say to you, "Old man, use this money to start a business, you will pay it back when you make money, and you won't worry if you don't make it"?

The connections between the rich, as well as his circle of friends, have opportunities that ordinary people can't reach in a lifetime.

When they fail, they can regain their wealth by seizing a random opportunity.

So, usually, the rich will be richer, and the poor will be poorer.

Yin Jun is borrowing money in the same way.

As long as Yin Jun goes out and yells "I want to borrow money", at least 100 bank managers will rush over with the contract and ask Yin Jun to sign the loan contract.

As long as Yin Jun wants, 1 billion US dollars, or even 2 billion US dollars, will immediately be lent to him by a bank without blinking an eye.

And don't think that interest rates will be high, at most 7%, and it is not impossible to drop to 5%.

Sounds like an exaggeration, right?

If the poor want to borrow 200,000 yuan to buy a house, it is very difficult, and the loan interest rate will be about 15%.

But Yin Jun wants to borrow $2 billion, but the interest is only 7% at most, which is too high, and the bank will immediately reduce it by a few percentage points.

One percentage point is tens of millions of dollars in interest!

Why is it so easy for Yin Jun to take out a loan?

The reason is very simple, because Yin Jun has enough capital.

Don't think that bankers are good people, on the contrary, they are one of the most vicious and cruel people under the constraints of the law.

In ancient times, how many people were bankrupt by the usury of the bank, in modern times, it is actually the same, I don't know how many small and medium-sized enterprises, by the high interest rate of the bank to crush the life.

The reason why they are willing to lend to Yin Jun is, of course, that the assets Yin Jun holds in his hands are very high-quality and very potential assets.

If Yin Jun can't afford to pay it back, of course, they also hope that Yin Jun can't pay it back, then so many assets of the Kirin Group with amazing growth will become their bank's bag.

When the time comes, whether you run it yourself or sell it to others, you can make a lot of money.

Even if Yin Jun is lucky and does not fail to go bankrupt, then there is interest in lending money to Yin Jun.

Don't look at the overall low interest, but Yin Jun borrowed billions of dollars, how many small and medium-sized enterprises do they have to find, and how many personal loan households do they have to find to lend this money?

Banks also rely on the interest on loans to make profits.

Yin Jun lends money to interest, and they earn interest on the loan, which is also a good thing!

Look!

Whether Yin Jun succeeds or fails, the bankers will reap the benefits, do you think they are willing to lend Yin Jun money?

Naturally, the teenager understands this.

But he doesn't think there's anything wrong with that.

Living in this world, cows, ghosts, snakes, and gods will all be encountered, and if you want to meet people who are good people...... Then child, this world is really not for you.

Bankers have their own ideas, and Yin Jun certainly has a way to deal with them.

It is definitely risky to borrow other people's money to earn it.

If the risk cannot be controlled to a certain extent, Yin Jun will never borrow money.

But how could a teenager with 40 years of memory miss the opportunity?

As long as he grasps those once-in-a-lifetime opportunities, the money in Yin Jun's hands is no longer in arrears, but an important help to help him make a fortune and achieve a career!

The more you borrow, the more you will naturally earn.

It's right to think so, but in the specific operation process, Yin Jun still has to be careful.

First of all, the first one, choosing which bank to borrow money from, is a question.

HSBC still has $1.5 billion in credit, but this time it can be fully used.

After helping to stabilize the Hong Kong dollar exchange rate, Shen Bi admired Yin Jun's boldness and keen observation.

HSBC, which is responsible for issuing banknotes, also acknowledges Yin Jun's favor, so the remaining $1.5 billion can be taken out at one time without having to borrow money in several times.

Yin Jun, the second largest Standard Chartered Bank in Xiangjiang, was reluctant to go to it, let alone the Commercial Bank of Hong Kong, none of them had struggled from the crisis, and it was enough to have such a local HSBC bank loan.

The Mitsubishi Financial Group on the Japanese side came to Yin Jun to discuss the possibility of cooperation, but Yin Jun still did not consider them.

I am rich, Mitsubishi Financial Group is even richer, and Sumitomo Bank, which is second, and Mitsui Bank, which is third, have merged into one, and they can only be ranked second, so you can imagine how powerful they are.

But Yin Jun has now borrowed 1.6 billion yuan from Mitsui Bank and 2.5 billion yuan from Sumitomo Bank, and if he borrows another 1 billion or 2 billion US dollars, his debt in Japan will be almost 6 billion US dollars.

Although Yin Junneng can still be repaid, this is also a very dangerous number.

Even if it is a loan, it should be dispersed, otherwise these creditors will unite together, which will be detrimental to Yin Junke.

So Yin Jun put the loan object on the bank in South Korea.

Among the five largest banks in South Korea, Bank of Busan ranks fourth, not the largest, but it has assets of more than $10 billion and assets under management of more than $100 billion.

Some time ago, when Busan Bank gave Henderson a loan, Yin Jun had a meal with their chairman, and the signal they released was very positive, and a loan of $1 billion was no problem.

After all, in the 80s, it was not only Japan that took off the Asian economy, but South Korea was not much worse than Japan.

At this time, South Korea is full of consortia, and it is not like in 2020, when only three or four consortia were left to support the scene.

$1 billion is certainly not enough.

Yin Jun's next partner is Singapore's Development Bank, or DBS Bank for short.

This is the only commercial bank in Singapore that can compete with HSBC in Asia and beat HSBC in the respected index.

As of 2020, only Singapore has been able to sustain the success of the Asian Tigers.

Then successful people naturally have their way to success.

So Yin Jun still respects this enemy very much.

DBS Bank, controlled by Temasek, is Singapore's national bank and has always been the number one heavyweight in the Singapore stock market.

With such a strong strength, in the face of Leyiling's tentative loan of 3 billion US dollars, it only took a month to think about it, and then began follow-up contacts, which was even more straightforward than Busan Bank.

Yin Jun got a $5.5 billion loan from these two banks, which was basically enough.

But the well-informed old man Chen of Pangu Bank also called Yin Jun, saying that he had money there for Yin Jun.

The young man is a soldier of Han Xin at this time, the more the merrier, since the old man has enough funds in his hands, then Yin Jun also unceremoniously borrowed 1 billion US dollars.

In this way, at most in January next year, Yin Jun will have a loan of 6.5 billion US dollars.

At Busan Bank, Yin Jun took out a 20% stake in Kirin Culture as collateral - of course, these are removed from the Transformers toys and Saint Seiya dolls that have been mortgaged before.

However, with the world's No. 1 manga and single book sales of Kirin Weekly, as well as countless treasures that can be used as peripheral products, and 20% of the shares pledged, Busan Bank is already very satisfied.

DBS Bank's vision is more vicious.

The collateral they chose was Kirin Communications, which included all the phone's patents.

At present, the patent purchase of Kylin Communications Company is only about 700 million US dollars, and the mobile phone business only covers the whole of Xiangjiang, and the largest business is still the mobile phone contract with the United States Telegraph and Telephone Company.

However, DBS has seen the potential of mobile phones and believes that they will have a bright future in the future.

In fact, Singapore Telecom has already begun negotiations with Kylin Communications and Heung Kong Telephone Company to open mobile phone services in Singapore.

In this world, Singapore and Xiangjiang are two of the most similar cities.

All are highly developed modern cities, all are densely populated cities, and all are cities on a small island.

Therefore, Heungjiang's mobile phone business is now developing better and better, and Singapore immediately knows that this business will definitely have a future in its own country.

They don't have to bother much, they buy patents and equipment directly from Xiangjiang, and after they build it, they wholesale the mobile phone and use it directly.

Before lending to the Kirin Group, the executive vice president of Temasek in Singapore once tentatively asked Leyiling if they could buy the entire Kirin Communications Company for $4 billion.

Le Yiling naturally refused without hesitation.

My Ah Jun said that the market value of Kirin Communications will be at least 200 billion US dollars in the future, and you want to buy it for a mere 4 billion US dollars, so dream about it!

For the rest of Pangu Bank, Yin Jun originally wanted to take out Kirin Computer as collateral, but Chen Bicheng resolutely did not want collateral, saying, "Ah Jun, you are the best guarantee."

When encountering such an old man, the young man can only sigh that he is lucky.

Not to mention now, let's take it when I first arrived in Xiangjiang, if it weren't for Chen Bicheng's education of Chen Youhan, Yin Jun's first pot of gold would probably have to be accumulated half a year later.

The entire loan negotiation actually started in October this year, and now the dust has settled in December, which is only a short period of 3 months.

It took 3 months to get a loan of 6.5 billion US dollars, which is super efficient.

There is no company in Asia that can take out a loan as easily as the Kirin Group.

On the one hand, it proves that the Leyiling team has good negotiation ability and high execution, but more importantly, it is the Kirin Group that is like a fragrant bun in the capital market!

……

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