"This won't work! Boss Bao, your credit history has just been upgraded, and all the money within the limit is used to pay the fertilizer arrears half a year ago, have you forgotten? When you are looking for a line of credit, your debt-to-asset ratio will reach the 80% threshold of our bank. ”

"What to do? I'd like to contract more land! What a pity if we can't expand production capacity! Isn't it a waste to have such a favorable underwriting contract! ”

"Wait, three days later, the bank's year-end review and loan review committee meeting will be held, and tomorrow the president of the bank can help you mention this project expansion plan at the board of supervisors and board of directors, as long as you can come up with a reasonable budget and plan, the credit review will not give up on a high-quality customer like you."

"Okay, your bank is really the best timely rain, I'll go get the budget sheet and plan right away, I've been preparing for this expansion plan for a long time! If the governor of your bank comes back from Xinjing, it will trouble him to spend more time. We have better cooperation projects to do in the future! Thank you so much. Mr. Bao hurriedly left the bank and went home to get the things he thought he didn't need. Originally, I expected to be able to use my own assets to get the mortgage loan needed for the expansion of the sugar factory, but I didn't expect to have the opportunity to apply for a credit loan. ”

Three days later, the Beigang Industrial Colonization Bank in Beigang, Dongyi Island, announced that it would merge with the Xiben Industrial Colonization Bank, Dengzhou Development Bank, Xinjing Development Bank, and Zhejiang Colonial Industrial Bank and change its name to Oriental Industrial Bank. The merger shocked the entire financial community of the Chinese Empire. The biggest winner is naturally the god of capital operation -- Comrade Chen Guanxian. The Xinjing Development Bank under his name is absolutely controlled by Chenji Bank, and through the financing channels of the parent company, the Xinjing Development Bank, which borrowed 200 million yuan, launched a leveraged buyout of the other four banks. These four are all well-functioning high-quality banks, among which the West Bank is an important industry of the Ping family. Unexpectedly, the wealthy Traversal directly forcibly acquired all the outstanding shares of these four listed banks on the grounds that the development of Nanyang needed big banks. Delisting the four banks directly through privatization terms. The privatized Xinjing Development Bank suddenly expanded 20 times in size. His undercover agents and insiders, who had long been planted in various banks, suddenly became the main cadres.

Five days later, the new president of the Beigang branch, who was in dire need of political achievements, forcibly approved the credit loan of the general manager at the loan review meeting. The original president opposed this high-risk credit loan, which was not mentioned at the loan review committee. However, the bank lobby manager who received Mr. Bao was the confidant of the new president, and after reporting this matter, the new president immediately had no motive to embarrass Mr. Bao as a partner of Dongyi Island Development Company, as an affiliated enterprise and the largest partner of each other.

Mr. Bao, who got the check, saw the number that dazzled him, not a check with a total of 4 million yuan of his property mortgage and credit loan, but a new check from Oriental Industrial Bank of up to 10 million. The bank's explanation to Mr. Bao was that Mr. Chen Guanxian, the head of the Chenji Bank, was the head of the bank, and he took a fancy to Mr. Bao's aggressiveness, and in order to buy the bones of horses and encourage the development of Dongyi Island, he specially approved the loan of 10 million yuan, which was calculated according to the minimum interest rate of 7%.

Chenji Bank, which has a ten-year fixed deposit interest rate of 6.8%, can be said to have given Bao Songhui an almost interest-free loan.

Bao Songhui, who had a fortune, took a check and went back to Fujian directly, and under the guidance of Engong, who was in charge of selling building materials and consumer goods for immigrants, he bought the most advanced large-scale distillation and filtration equipment, prepared to open a camphor factory, and then increased the family's sugar output tenfold (the raw sugar from sugarcane juice still has a lot of pigments and impurities, so it is brown, and the price is only half of that of white sugar, so in order to make more money, it is natural to decolor all the brown sugar into white sugar).

Wang Jiantong told Bao Songhui that this camphor is an important chemical raw material urgently needed by the chemical system under Chenji Company, and the profit is very large, and a 70 cubic old camphor trunk can produce 1 cubic of camphor. A relative in his hometown Linjiang is a head of Jiangnan Chemical Industry, who is anxious to die every day, always seeking to buy camphor in various places, Wang Jiantong heard that there are many camphor trees in Dongyi Island, so he hopes that Bao Songhui, a newly opened camphor factory that does sugar extraction, will help his relatives in his hometown solve the urgent need.

Bao Songhui is simply obedient to Engong's words, since listening to Wang Jiantong's words, rice and beans have been converted to sugarcane, the family's business has gradually boomed. In the first three years, I obeyed the management of the immigration department and planted rice, but I didn't expect that the harvest of three crops of rice in one year would reach 1,000 catties per mu, and I saved enough rations, and after selling the surplus grain, I paid off the immigration fees and land purchase and housing purchase loans, and in the fourth year, I should plant sugarcane that consumes water and fertilizer, but I didn't expect such a big profit. earned a net worth of 2 million in five years. The 2,000 acres of land bought with the loan were all paid off.

A new industry has emerged on the land of Dongyi Island. The island has the highest camphor production in the world all year round, due to the fact that it has the largest camphor forest in the world. It will always hold the record for the highest yield.

A year later, Bao Songhui's camphor was sold throughout the Jiangnan region. At least one tael per household consumes enough per year to keep his small factory, which produces less than 200 tons, running at full capacity for 20 years.

"What's going on with this camphor factory?" Annoyed by the director of the Dongyi Island Development Company, Liu Xin's proud apprentice Lu Xingzhi, the general manager, saw that Bao Songhui had contracted 9,000 acres of slope land in eight mountains to plant camphor trees, and purchased 50-year-old camphor roots or trunks from many natives of the Gaoshan tribe. You can buy 200 tons in a month.

"None of our subordinates who open gold mines and mine precious hardwoods have noticed Bao Songhui's big move. He is a talent that Dean Chen fancies, don't be excited. It is said that Dean Chen specially approved a loan of 10 million! Obviously, it is necessary to support a benchmark to prove that one's own people will not only buy high and sell low to bring down their opponents, or speculate and hoard goods, but it is also okay to do business. ”

"Alright! In that case, let's focus on gold mining and the fur trade. Leave the farming to these mud legs. Anyway, no matter how profitable he is, he can't make more money than our gold mines and fur trade. ”

Unexpectedly, ten years later, Bao Songhui, one of the top ten richest people on Dongyi Island, who was worth more than 100 million, caught up with this wave of tide and became a sugar tycoon and camphor tycoon who received many honors. It was not until 40 years later, when Dongyi Island was renamed Dayuan Island, that the heavy chemical industry on the island surpassed the consumer goods industry (light industry). Bao Songhui, who started in the sugar industry and camphor, was squeezed out of the top ten rich. The predators who almost monopolized the sugar industry and the camphor industry on this sweet island in the East made their fortune in this golden decade from 1942 to 1952.

However, the Dongyi Island Development Company, which had been known as wealthy in the past, was forced to rely on the sugar and camphor trade because of the depletion of gold mines and the near disappearance of the source of deerskin production. This is closely related to the strategy of retreating from the country and advancing the people in the consumer goods industry. Intermediate industries in trade and logistics are simply not able to compete with the heavy chemical industry in terms of profits. (To be continued.) )