Chapter 159 Banks take the initiative to lend
"With assets exceeding 3 billion, the youngest top rich man in Hong Kong!"
Not two days after Kiyoko Imamura left, a piece of news sent Cao De to a new cusp.
The paparazzi with great powers bought off the bank's internal staff and leaked the news of the bank's internal valuation of Cao De and all its companies.
And on this!
"My goodness, three billion!"
"Three billion? Didn't you pay back the billionaires some time ago? How can you be the richest now? How come it's three billion? You didn't become an immortal so quickly, did you?"
"One zero, two zeros, three zeros, a lot of zeros!"
"Three billion? I can't save this from my part-time job a thousand years ago, right? ”
"The same people, the same teenagers, why are people the richest people, and I can only squat on the side of the street to gnaw on sugar cane? Alas~"
...
The citizens of Xiangjiang who saw the news sighed and envied.
But apart from exclamation and envy, they have no other emotions!
No way!
The gap is too big!
If someone with a net worth of hundreds of thousands is on the news, they may not be convinced, or they may scold the street, because they feel that they can achieve this net worth with hard work!
But three billion!
They know this astronomical amount very well, let alone in this life, they may not be able to earn it in the next life.
In this case, they are only left with sighs and envy!
---
The other side!
The first time!
Cao De received an apology from the bank.
"Mr. Cao, I'm sorry, this time it was a mistake in our work, which allowed our employees to leak the news, you can rest assured, the employees who leaked the news, we have fired them!"
Early in the morning, the manager of Huifeng Bank came over in person and apologized to Cao De.
I have to say that although Huifeng is notorious in the future, in this era, among all the banks in Xiangjiang, Huifeng is the largest, the most comprehensive and responsible.
Therefore, although Cao De doesn't like this bank very much from the bottom of his heart, he has no other choice but to put all his company's accounts in Huifeng.
In this case, although Huifeng does not know Cao De's specific profits, it can find out the company's approximate earnings through bank transactions and market research, and thus give an evaluation of the company.
But!
The reason why three billion is given now is not because the company under Cao De is only worth three billion.
Rather, because Cao De's rise was too short and his earnings were growing too fast, even banks could not have too accurate an estimate of the company, so they gave a relatively conservative valuation.
This valuation does not mean that the company is only worth this little money, no matter how bad it is, it will not be lower than this valuation in the future!
Originally, the valuation of the company within a bank like this was relatively secret!
Because many times, the bank's valuation of a company can tell the company's situation.
The bank controls the company's flow, and if the company's situation is not good, it can be seen from the flow, and the bank that knows the flow can give a low valuation, and once the bank's valuation leaks out, outsiders can see a little insight from this valuation.
If someone happens to have an idea for the company, they can make a fuss about it.
Of course!
Relative secrecy is not absolute secrecy!
Sometimes if the bank is optimistic about the future growth of a company, it will also take the initiative to disclose some banks' valuation of the company.
In this way, outsiders know that the company has a future, so that the company's market is bullish.
If the bank does this, it will sell it to the company!
For example, the last time Cao De's assets were assessed to exceed 100 million yuan, the bank also took the initiative to disclose them!
"It's okay!"
Cao De waved his hand, not caring.
The news of the valuation leaked out, which is a bad thing for a company with a bad situation, but for a company with a good situation like Cao De, it is not a big deal at all.
It can even boost a wave, letting people know that the bank is very optimistic about Cao De's company!
And Cao De also knew that the bank manager was here, and the main purpose was probably not this thing!
Valuation leaks weren't a big deal in the first place.
The reason why they fired the employee, Cao De thought about it in his heart, and estimated that it was not because of the leakage of the valuation, but because of the leakage of the employee.
An employee who will leak secrets, which company dares to ask for it?
Especially in the banking industry, there are many secrets, but if the employees will leak it, they will never dare to ask for it!
Thinking about it, Cao De showed a slight smile on his face, and asked unhurriedly, "By the way, I don't know what this manager is called?" ”
"Jack Chou!"
Jack Chou responded with a smile.
"Manager Zhou!"
After Cao De responded, he pondered for a moment, and then said directly, "I'm a relatively straightforward person, if you have anything to say, I'll just say it directly!" ”
As he spoke, he stared at Jack Zhou with burning eyes and said, "Manager Zhou came this time, I'm afraid it's not for some purpose to estimate the leak, right?" ”
"Mr. Cao is really amazing, I guessed it at once!"
After Jack Zhou patted the horse with a smile, he also said directly, "Since Mr. Zhou has a straight temperament, let me not hide it, I came this time, it is one thing to apologize for the leak of the valuation, but more importantly, I want to talk to Mr. Cao about the loan?" ”
"Loans?"
Cao De raised his eyebrows, and after thinking for a while, he said, "The bank wants to lend me a loan?" ”
He is not short of money at the moment.
Moreover, the company only has a small loan.
In this case, apart from the bank wanting to lend to him, Cao De really couldn't figure out what else he had to do about the loan!
You can't be forced by the bank to repay the previous loan, right?
Not to mention that the loan itself has not expired, and the loan itself does not have much, with Cao De's current income, he can repay it casually if he wants to, which the bank should be clear!
In this case, the bank will definitely not rush!
It even wishes you to borrow a little more time, so it can charge a little more interest!
And because of this!
Cao De guessed that the bank should want to lend him money.
If you lend him money for a high-quality asset like him, you can make money 100%.
If the bank wants to make money, it will naturally lend him more money!
That's how you can get interest!
"That's right!"
Jack Zhou smiled and said, "Mr. Cao's assets are extremely good assets in our bank's internal evaluation, so let me ask you above, does Mr. Cao have any intention of taking out a loan?" ”
"As long as you have a loan, less than 300 million, even without review, we can directly pass it for you, more than 300 million and less than 1 billion, a simple review is enough, if it is more than 100 million, the procedures may be a little more complicated!"
After a pause, he changed his voice and continued, "Of course, if you really don't want a loan, we don't force it!" ”
If Cao De intends to take out a loan, they will naturally be adults and make some money, but if they really don't need it, they won't force it.
There is no need to offend a billionaire for this little thing!
But!
Hearing him say this, Cao De really thought about it!
At present, his industries are developing steadily and rapidly, and he doesn't need to worry about anything anymore, in this case, he has long intended to create a new industry!
Let's try it soon, everyone. 】
And when it comes to the 80s worth investing in, movies are definitely one.
The next 20 years will be the golden age of Hong Kong films.
But!
Cao De's investment, naturally, cannot be as simple as investing in movies.
With his current net worth, if he wants to do it, he will directly make it bigger.
Not only should movies be invested, but also theaters or something.
And the investment of the cinema chain is not small, if he wants to come up with money without affecting other industries, it will be really difficult to come up with it for a while.
Now with this door-to-door loan, it is a lot more convenient!
Thinking of this, Cao De smiled slightly and said, "It just so happens that I also have loan needs, let's talk..."