The development momentum of Xiaobawang has not only won the amazement of the game industry.

From the perspective of the banking industry, Xiaobawang also has a very solvent company. In particular, the bankers in this book are full of interest in loans for potential enterprises like Xiaobawang.

In the early 80s, electronics, automobiles, steel, chemicals, machinery and other products sold well in Europe and the United States due to the advantage of surname price ratio, and earned a lot of foreign exchange.

Due to the long-term export surplus of the manufacturing industry, it has been dissatisfied with European and American countries. European and American countries hope to promote a substantial appreciation of the yuan through political pressure and reduce the price advantage of this product.

It is precisely for this reason that international capital has consciously bullished the exchange rate of the yuan, with foreign exchange amounting to 100 billion US dollars every year, and a steady stream of investment has entered the capital.

In the early 80s, the people of Japan were also keen to keep their money in the bank.

As a result, the banking community in this area has more and more deposits. These deposits, if not spent, will be overwhelmed by the banking system just by paying interest to depositors every year.

Therefore, when most of the world's banks are tightening their monetary policies, the banks are actively trying to lend out their abundant deposits!

The headquarters of Xiaobawang Tokyo Branch. At this time, a 10-storey office building has been built, which can accommodate more than 200 employees for office work and scientific research.

In addition, the company's factory building has also been continuously renovated and has more than 1,000 production workers. It has the ability to burn 100,000 game cartridges per day.

The daily production of this branch alone can bring an output value of more than 500 million yuan and a net profit of more than 100 million yuan.

This is a super money-making machine that has been established for less than a year, but the annual sales scale will exceed 150 billion yuan and create an annual profit of 30 billion yuan.

At present, Xiaobawang's game consoles and game cartridges are basically produced, and there is no need to worry about orders and sales. The consumers of Yuben alone will contribute $150 million in profits to Xiaobawang in a year!

"Misang, for the management ability of Xiaobawang Company, we at Fuji Bank sincerely feel admiration. I have no doubt that you will be able to grow to IBM-level strength in the future. However, at the current pace of development, it may take you 30 years of development to reach the level of IBM! Hana Ozawa, a manager at Fuji Bank, said in a very sincere tone.

Mi Zhen said: "It has been 30 years to reach the level of IBM, which is already very satisfying. After all, IBM is a 100 billion dollar supergiant! ”

"No, no, no! The corporate world is now stronger from generation to generation! Entrepreneurs in the past didn't like to deal with financiers very much. After entering the modern society, entrepreneurs gradually began to accept financiers, with the help of bank loans, as well as listed financing and other channels, so that excellent enterprises, 10 years of development, more than the past 100 years of traditional enterprise development! "However, it is a pity that Xiaobawang, a promising company, is too conservative in its management. I have never issued bonds or applied for bank loans."

"Mr. Zhang doesn't like bankers!" Mi Zhen reminded her.

Ozawa Hana shook her head and said: "There is no entrepreneur who doesn't like low-interest loans, and now that the loan interest rate in Europe and the United States has reached 20%, it is natural for people to hesitate." However, the interest rate on loans from banks in this country is only about 5%! As long as your company's project has an annual profit margin of more than 5%, it is basically a sure profit from a bank loan! ”

Mi Zhen said: "We don't want to borrow in the form of asset collateral"

"There is no need for any mortgage, the brand reputation of your Xiaobawang company, as well as the credibility of Mr. Zhang Shaojie, are already the best guarantee. If you need a loan, we can lend you a loan of 100 billion yuan with an annual interest of 5%! Ozawa Hana Chen Ken said.

Any ambitious business that is staking needs cheap bank loans.

Mi Zhen conveyed the business negotiations with Fuji Bank to Zhang Shaojie.

Zhang Shaojie quickly gave a clear answer: "The loan is 500 million US dollars, and the repayment is also in US dollars, a 5-year loan!" ”

After obtaining Zhang Shaojie's permission, Mi Zhen quickly proposed to borrow $500 million from Fuji Bank, and paid interest in US dollars. The reason why we want to borrow dollars is because of the depreciation of the dollar relative to the yuan in the future. If the loan is in dollars, after 5 years, the repayment of principal and interest may be more than 60% more than the US dollar.

Fuji Bank was originally worried about a lot of dollars, and if it was able to take out a loan, it was naturally happy to accept it.

And Xiaobawang Company, after borrowing 500 million US dollars, at the suggestion of Zhang Shaojie, sold US dollars in a blink of an eye and exchanged it for about 99 billion yuan.

Out of thin air, there was an additional 99 billion yuan of new force, Xiaobawang Company, began to make frequent acquisitions in Yueben. Whether it is land resources, office buildings, or commercial stores, they are all acquisition targets of Xiaobawang Company.

Basically, more than 50 billion yuan was invested in the commercial real estate industry, and some of the property assets were used as Xiaobawang's specialty stores in Tokyo.

The vast majority of commercial real estate is rented out to obtain rent, and wait for the appreciation of housing prices and land prices, and then sell at high prices to obtain huge economic benefits.

Zhang Shaojie naturally knows that it is not a good thing for a company to be keen on chasing real estate profits.

Investing in the manufacturing industry also has certain market risks.

However, in the 80s, the real estate skyrocketing trend is the general trend and unstoppable.

obviously has the opportunity to make a fortune, Zhang Shaojie naturally can't miss it. Anyway, this loan was sent to the door on the initiative of the banker.

The reason why the banker of this book came to deliver money was not only optimistic about the future of Xiaobawang's enterprise, but also more likely to hope that when Xiaobawang's funds were tight, he would force Xiaobawang to transfer assets to the bank to repay the debt as a creditor.

Therefore, Zhang Shaojie was not fooled, one is to borrow dollars, and the future repayment of principal and interest will also be in dollars. The second is to convert the US dollar into the yuan, and in the future, the yuan will appreciate significantly relative to the US dollar, so that the risk of Xiaobawang's debt repayment will be reduced. In the next few years, the whole country speculated on real estate and finance, which made the property market rise by more than 30% per year in the early 80s, and in the late 80s, the bubble was crazy, with an annual increase of more than 40%~50%. It is said that the local bubble was formed in 83 years and burst in 91 years. In this period, the real estate industry is able to enjoy huge profits.

According to the annual growth rate of more than 30% in the local real estate industry, in five years, the assets of 99 billion yuan can be increased to 370 billion.

At the exchange rate between the dollar and the dollar five years later, the money would be worth about $2.7 billion.

This represents a $500 million loan from Fuji Bank. Five years later, after repaying the principal and interest of the $638 million loan attracted by Fuji Bank, Xiaobawang made a net profit of $2 billion!

Zhang Shaojie was secretly happy in his heart, and explained: "If you have such a low-interest loan in the future, borrow as much as possible!" ”

"Well, 5% APR is really cheap!" Mi Zhen also feels that cheap loans are really an opportunity for Xiaobawang to develop and grow.

It's just that Zhang Shaojie will invest most of the loan funds in real estate, and he has quite an opinion. In fact, in Mi Zhen's view, seizing the time to strengthen Xiaobawang itself is capital strength, which can be more profitable than real estate.

However, Zhang Shaojie is the boss, although Xiaobawang Company has a bright future in front of him. However, in Zhang Shaojie's view, it may not be as certain as the increase in the property market in the 80s!

At this time, the risk of investing in the property market will be less than directly using it to expand production.

The significance of fixed assets such as buildings in modern society. It is roughly equivalent to the farmland of feudal society.

For example, in China's feudal dynasties such as the Song Dynasty and the Ming Dynasty, the handicraft industry was very prosperous, with 30% of the world's population, owning 80% of the world's wealth. At that time, the Chinese were basically seven or eight times richer than Europeans and middle-class people. However, since the feudal era there were not many projects available for investment. Therefore, after the merchants of the ancient handicraft workshops made profits, the most urgent thing was not to expand the scale of production, nor to improve technology. Instead, the surplus capital will be used to buy more land resources in the countryside. Because, although the operation of land property will not generate windfall profits, unless there is a natural disaster [***], you can generally obtain a certain high field rent or output income.

The same is true for real estate in modern society.

Some of the wealthy who have lost their enterprising spirit have made profits through manufacturing and technology. After unintentionally becoming a big business, they often buy a large number of real estate, either for speculation or for rent.

Mi Zhen seems that Zhang Shaojie will use most of the loan funds to buy a house. It is obviously a symbol of "more than enough, not enough to enter".

Zhang Shaojie didn't bother to explain to Mi Zhen!

In fact, most of the wealthy families in Hong Kong do not have status by virtue of business shrewdness, but in various parts of Hong Kong, they own office buildings and commercial real estate worth billions or tens of billions, and the money collected from rent is their most stable source of income.

However, even most of the large sums of money are invested into the real estate industry. Xiaobawang still has enough cash flow to supply its expansion around the world.

In June of 82, the Little Overlord Raptors crossed the river, established two branches in North America and Europe, and rapidly developed the advertising and promotional activities of the Little Overlord game console.

With plenty of cash, Xiaobawang paid $20 million a year to sign Madonna and Michael. Jackson and other entertainment superstars, endorsing the Xiaobawang game console!

Obviously, Xiaobawang is ready to officially launch its strategic plan to enter North America

(To be continued)