Lin Zhichao sat on the sofa in Jian Dongpu's office, sipping the tea made by Jian Dongpu himself, quite a bit like coming to his office; Of course, his office is very simple, not the same as the office of the general manager of the largest Chinese bank.

BEA's deposits have reached HK$60 million, making it a giant Chinese bank.

If BEA hadn't been too conservative in its later years, it would not have been caught up by Hang Seng Bank (Hang Seng had already overtaken BEA before it was acquired by HSBC).

"Coming for a loan from Cheung Kong Industrial?"

Jian Dongpu was the first to intervene in the topic, and he found out that this young man could sit still better than himself, as if he had eaten the Bank of East Asia.

"Hmm. Cheung Kong owes its first loan of HK$400,000 to BEA, which is about to be repaid. So, I want to borrow another 1 million Hong Kong dollars for two years. ”

In this era, banks lend risky, but the annual interest rate is about 15%, which can be described as a huge profit.

Of course, even with such huge profits, most Chinese bankers are not satisfied, they feel that they can make more money by simply lending to themselves.

'The bank's money is their own money,' they probably thought, so the Chinese banks were wiped out, leaving only the steady Bank of East Asia.

Jian Dongpu suddenly became serious and said, "What about the use of funds? As far as I know, you buy machines in installments, so you don't need so much money, right? ”

Lin Zhichao explained his four plans for the development of Cheung Kong Industrial - building a factory in Tsuen Wan, building a land in Tsuen Wan, building a factory in Sing Tao, and purchasing machinery.

"Why did you go to Sing Tao to build a factory?" Jian Dongpu immediately grasped the biggest doubt.

In this era, information is not very good, and small and medium-sized enterprises will invest in factories across borders! Although Hong Kong is only a few hours' flight from Singapore, it is also a British colony.

Lin Zhichao had already prepared his words, so he analyzed: "Cheung Kong's zipper products will eventually be involved in direct competition with RB, the United States, and Europe. In order to prevent one day, they set up a trade fortress, then Cheung Kong can give full play to the advantages of overseas factories. Although this step is still far away, I have to lay out in advance. ”

Jian Dongpu immediately admired Lin Zhichao's far-sighted vision, he did not doubt Lin Zhichao's ability, after all, he had done such 'high-tech' things as improving the automatic zipper machine and developing the slider stamping machine.

Let's ask, can't such a business genius go further in the manufacturing industry?

"Is a loan of 1 million Hong Kong dollars enough? Those plots of land in Tsuen Wan are worth millions, right? Jian Dongpu took the initiative to ask.

Lin Zhichao said sincerely: "The land in Tsuen Wan is not a project that must be invested, although I am optimistic that Tsuen Wan will become a factory paradise for mainland entrepreneurs in Hong Kong, so it can be slowly absorbed." A new loan of HK$1 million, if it starts to be repaid in installments after a year, the funds should still be okay. ”

Jian Dongpu said at this time: "The Bank of East Asia can lend you 1.5 million, which will also be repaid in installments after one year. But according to the old rules, the entire Cheung Kong industry is mortgaged to us, including your land, plant, and machinery. ”

Lin Zhichao immediately agreed: "No problem!" ”

He is not afraid of debts, but he is afraid that he will not be able to borrow.

Jian Dongpu nodded and said, "The main thing is that I'm thinking, if your new batch of machines is put into use, then it may earn 3 million a year and double the profit, which is not impossible." Why should I be stingy? ”

This is the fundamental reason, imagine that Lin Zhichao can earn 1.5 million a year by using six automatic zipper machines; Nowadays, with more advanced machines, it is not impossible to make 3 million with more than double the number of machines.

Even if you earn 2 million, it is worth taking out a loan of 1.5 million Hong Kong dollars.

"Opening the zipper market in Europe and the United States, I think there is also a great hope of doubling the profits." Lin Zhichao said seriously.

At this time, there should be a full two years before the United States announces the blockade of Hong Kong's trade.

During this period, it was enough for Cheung Kong to make a lot of money.

At the same time, Lin Zhichao seems to remember that RB did not block any trade in Hong Kong, on the contrary, it also gave a lot of concessions.

The reason couldn't be simpler, in the Battle of the Peninsula, RB took on a large number of orders from the United States, so the economy began to take off. And RB has a large shortage of ships after World War II, coupled with the lack of resources, so these cannot bypass the trading port of Hong Kong.

Based on these analyses, Lin Zhichao even feels that the RB government may not carry out a trade fortress and boycott of Hong Kong zipper products.

In this way, everyone is the principle of fair competition.

.........

Lin Zhichao took Wang Liang, Bao Chunlai, and Huang Changhong to Singapore.

After visiting Bukit Road, Lin Zhichao also saw a more familiar sign, that is, 'Yang Xiecheng Soy Sauce Factory'.

"This Yang Xiecheng soy sauce factory is quite big?" He casually pointed to a factory and said.

Wang Liang has traveled back and forth between Singapore and Hong Kong many times, and he is already familiar with this area, so he replied: "Yes, it is a land purchased last year, covering an area of 10 acres (60 acres)." ”

Lin Zhichao nodded, this Yang Xiecheng soy sauce factory is the industry of Yang Tianen's family, and it will open a factory in Hong Kong in the future; It is precisely because it has so much land under its umbrella that it was later coveted by real estate developers and acquired by the Huang Tingfang family and the Guo Lingcan family.

Of course, the family industry is coveted by others, and there are many family internal strife, otherwise how can outsiders easily break it.

After inspecting the surroundings, Lin Zhichao returned to the site of Wang Liang and others.

"We have limited funds, so it's enough to buy 2 acres (12 acres, 72,000 square feet)!" Lin Zhichao said with a smile.

Wang Liang immediately said: "Well, the price is almost 250,000 Hong Kong dollars, and the land here is cheaper than Tsuen Wan." Of course, Singapore's economic development is far from Hong Kong's. ”

Hong Kong still had industry at this time, but Singapore was almost entirely dependent on trade. Therefore, even if Bukit Road in later generations is a high-end residential area, it is only a remote area at present, and the price is not as good as that of the rural area in Tsuen Wan.

"Okay, that's it!" Lin Zhichao didn't hesitate for long.

During this trip, Lin Zhichao mainly inspected two places in Singapore, one is Bukit Road and the other is Orchard Road.

Bukit Road is planning to open a factory, while Orchard Road is planning to buy a large amount of land in the future for commercial real estate investment.

Next, Lin Zhichao arranged again: "Rent an office building here as an office!" The first is to supervise the construction progress of the factory, and the second is to serve as a zipper sales office. Mr. Wong is in charge of construction and occasionally flies to Singapore to supervise; Mr. Bao is responsible for zipper sales in Southeast Asia, and also participates in the construction of the factory, running in Hong Kong and Singapore. ”

Huang Changhong and Bao Chunlai immediately said in unison: "Okay, boss." ”

Subsequently, the group formally signed an agreement with the neo-colonial government to purchase the factory land.

I have communicated many times in advance, so I can pay the money directly, a total of 238,000 Hong Kong dollars, which is still quite cheap.