Three days of annual leave passed in a flash.

Back to the company, inspected every workshop and office, and said good New Year to the employees, Zhang Heng returned to the office, Lu Yuanteng, He Jie, Jiexi, Lin Liang, Xia Di are all there.

The company's production and operation are normal, but there are financial problems in the production of the upcoming arcade machine, and they are here to discuss how to solve it.

The boss decided that Daheng Technology arcade machine will produce 1,000 units this month, of which 100 components have been purchased, and the remaining 900 units are expected to invest 2.7 million Hong Kong dollars. Lu Yuanteng reported first.

He Jie was worried: "Daheng Printing Paper's advance receipt in February was in place before the year, Japan and the port totaled 1.2 million Hong Kong dollars, in addition, Tang Jihua is estimated to get back 100,000 Hong Kong dollars this week, and there is no other income this month." ”

Lu Yuanteng hurriedly added: "According to the usual practice, we can owe the payment of the partner for three months, which can reduce the expenditure of 120,000 yuan." ”

Zhang Heng waved his hand: "Partner, cash on delivery, don't default." ”

Everyone nodded, and there was nothing to say for a while.

"I can squeeze out 30,000 yuan here, and give it to me by this time next month. Xia Di said timidly, "The laundry dragon spent 1 million at once, causing trouble for everyone." ”

"I have planned that expenditure a long time ago, Sister Xia Di, don't worry about it. Zhang Heng smiled and looked at everyone, "There's really no way, let's find a bank loan." ”

An hour later, He Jie and Lin Liang came back, and Zhang Heng knew that the situation was not good when he saw that their faces were not good.

Sure enough, He Jie told him that Standard Chartered was unwilling to lend them a loan on the grounds that Daheng Group had no fixed asset collateral.

"I took the agency contract and the patent authorization letter, but their credit manager didn't recognize it. Lin Liang shook his head depressedly.

After thinking about it for a while, Zhang Heng took out his business card and dialed Shaya's phone.

Hearing that it was Zhang Heng, Shaya was very happy on the other end of the phone, and complained that he didn't go to see him during the New Year, and when he heard that he wanted to apply for a loan, Shaya thought about it and gave him a call.

"How is it, has HSBC agreed to the loan?" and when he hung up the phone, He Jie asked with concern.

Zhang Heng shook his head, "Shaya gave me a phone number, it was the phone number of He Shanheng of Hang Seng Bank. ”

Lin Liang blurted out: "That's the chairman of Hang Seng Bank, Hong Kong's Chinese enterprises like to deal with Hang Seng Bank the most, they are keen to support the development of small and medium-sized Chinese enterprises, the requirements for fixed assets are not high, many times see the potential to be willing to issue loans and letters of credit, Zheng Yutong and Li Jiacheng have received strong support from Hang Seng when they started." ”

Zhang Heng nodded and said with a wry smile: "It seems that we are not qualified to deal with HSBC yet." ”

He Jie and Lin Liang also smiled bitterly.

"However, Hang Seng is also very good, and after listening to Lin Liang's introduction, I am looking forward to dealing with this bank even more. Zhang Heng then smiled and said, "Sister He, if it goes well together, transfer all our accounts to Hengsheng." ”

He then dialed Ho Sin Heng's phone, and after hearing Zhang Heng's self-introduction, Ho Sin Heng enthusiastically said that Hang Seng would immediately send a commissioner to provide door-to-door service, so that Zhang Heng would no longer have to rush to their branch office in Kowloon.

"It seems really good, I finally feel like God. Hanging up the phone, Zhang Heng muttered.

An hour and a half later, a representative from Hang Seng Bank came to the door.

To the surprise of everyone in Daheng, the person who came turned out to be Li Guowei, the current general manager of Hang Seng Bank.

When he reported to his home, Zhang Heng was stunned for a moment before shaking hands with him.

"I really didn't expect that for our small customer, General Manager Li would come to the door in person," invited him to sit down and made him coffee with his own hands, Zhang Heng said with emotion.

He looked at the time, the Hang Seng headquarters was in the Hang Seng Building in Queen's Road, and Li Guowei should have set off immediately after receiving Ho Shanheng's notice.

"Zhang Dong, don't be humble, before you operated the stock, I and the chairman of the board of directors paid attention to you, and then you set up a factory to produce a poster, we are more interested in you, but unfortunately there has been no suitable opportunity to get acquainted, today you called, the chairman does not know how happy, immediately told me to set off immediately, must serve your business well. ”

Li Guowei said very sincerely, "Now that I see it, I finally understand one sentence: live up to the reputation!"

The two sides greeted each other very politely for a while, and also introduced the situation of their respective enterprises.

Perhaps in order to show his expertise and to express his affection with Zhang Heng, Li Guowei also took the initiative to talk to Zhang Heng about his views on the recent stock market, foreign exchange market and gold futures market.

Zhang Heng nodded again and again, professionals are professionals, and the other party is not a traverser, but his judgment of the general trend is extremely accurate, but there is a large deviation between the time point and the specific point.

Although he was very aware of the future exchange rate changes, he still humbly asked: "Mr. Li, do you think that because of the long-term rise in the inflation rate in the United States, the Hong Kong dollar will come out of a round of appreciation against the US dollar, so does it mean that if I have US dollars, I should exchange them for Hong Kong dollars at this time." ”

Li Guowei said modestly: "I just suggest that whether you want to operate or not depends on the nature and purpose of your funds, if you don't need to use it for the time being, it is indeed more cost-effective to exchange for Hong Kong dollars." ”

"Thank you, Mr. Leigh, for your advice. Zhang Heng turned to the topic, "I drove you to come here today because my company wants to apply for an operating loan......

Talking about the details of the recent need for funds for production, Lin Liang handed over the company's relevant information to Li Guowei, he spent nearly half an hour, after reading it carefully, he pondered for a while, and said: "I don't know how much Zhang Dong wants to borrow?"

"How much can I borrow?"

"I analyzed your company's past flows, as well as related supply contracts, if you apply for a three-year operating loan, we can give a maximum of 12 million Hong Kong dollars, if you apply for a one-year term, then up to 3 million Hong Kong dollars. ”

Zhang Heng thought for a moment and asked, "What about the five-year term, or how much can I apply for?"

Li Guowei glanced at him, "At present, for enterprises, the maximum term is only five years, in that case, the maximum amount can reach 15 million Hong Kong dollars." ”

Zhang Heng was puzzled: "The algorithm here is a bit strange?"

Li Guowei explained with a smile: "This is indeed the case, because the term is longer, although the amount of interest that Hang Seng can earn will be more, but relatively speaking, the risk will increase sharply with time, so the total amount is less." ”

"If from today, I transfer all the accounts of Daheng Group, including the payroll account and my private account, to Hang Seng, is there any room for adjustment of this number?"

The corners of Li Guowei's eyes twitched, and he immediately replied: "Thank you Dong Zhang for your trust in our Hengsheng, if this is the case, I can decide to increase the quota by 1 million to you." ”

"Then let's apply for a five-year term, 16 million Hong Kong dollars!" Before Li Guowei could react, Zhang Heng had already made a decision, which surprised him.

It took an hour to sign the contract, Li Guowei said a few polite words, put away the contract and wanted to leave, Zhang Heng suddenly stopped him: "Mr. Li, this money should be mine." ”

"Well, theoretically yes, I can get to your account in the afternoon. ”

"Then according to the laws of Xiangjiang, there is no problem for me to use this money for short-term foreign exchange market transactions, right?"

Li Guowei was taken aback and hurriedly said: "That must be done through Hang Seng, and we have the right to keep an eye on the safety of this fund." ”

"Yes!" Zhang Heng said briskly, "Then let's discuss how to operate next, okay?"

"Mr. Zhang, although the general trend is true, there is no indication that the Hong Kong Monetary Authority will adjust the exchange rate in the short term, I personally think that your investment plan is a bit aggressive, and I suggest that you still consider carefully before making a decision. After listening to Zhang Heng's trading plan, Li Guowei sincerely persuaded.

"No, I trust your judgment and my instincts. Zhang Heng smiled, "Just ask Hang Seng to help me sell the corresponding US dollars at 16 million Hong Kong dollars, plus ten times the margin, and then repurchase and close the position within a month." ”

His investment plan is actually to buy and sell exchange rate futures, because the trading object is the Hong Kong dollar, which is pegged to the US dollar, so there will be no fluctuations in the short term, so there will be no possibility of loss, and it is completely a bet that the HKMA will adjust the exchange rate during this delivery period.

Due to the shortest delivery time of one month, even if the amount is relatively large, it must be easy to find a counterparty to take over his short selling order.

Seeing that he made a decision with confidence, Li Guowei did not persuade him again, and after drafting and signing the entrusted investment contract with Lin Liang, he left and left.

Walking out of Hongfa Building, Li Guowei shook his head, this Lantian small stock god is still young and vigorous, he will most likely lose some transaction fees and commissions this time in speculation, presumably after this failure, he will deeply understand a truth, professionals and people who act intuitively still have a huge natural difference.

Li Guowei didn't know that Zhang Heng was standing by the window, smiling happily to say goodbye to him.

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