Lin Zhichao came to the HSBC headquarters in Queen's Road, and couldn't help but show a look of envy, he was envious that HSBC could have such a beautiful building, and when he would be able to build his own headquarters office building in Central.

At present, HSBC's head office in Hong Kong has only two branches: Queen's Road Central and Kowloon Branch. In Hong Kong, only two or three banks have branches.

Unlike later generations, these banks had dozens of branches. It is estimated that it was not until the end of the Korean Peninsula Campaign that major banks gradually opened a large number of branches in order to grab deposits.

Approaching the HSBC Building.

At this time, HSBC still retained the practice that foreigners entering HSBC entered through the front entrance, while Chinese could only enter through the back door. Obviously, the British-funded consortium looked down on the Chinese at this time.

Not only that, HSBC did not bother to do business directly with the Chinese at this time, and if the Chinese wanted to borrow money from HSBC, they had to borrow money from the Chinese through foreign banks or old families such as the Li family and the He family, and then the foreign banks would lend it to Chinese businessmen, or the old Chinese families as guarantees or introductions.

Of course, there are no absolutes!

Despite these subtle regulations, Lin Zhichao stepped in from the front door, and HSBC staff did not stop him.

"Sir, may I ask what is the matter?" A British clerk stepped forward and asked.

He was intimidated by Lin Zhichao's calm and confident temperament, and thought that this person must be an old family among the Chinese, that is, a 'high-level Chinese', so he used a very polite tone.

Lin Zhichao said: "I made an appointment with Sandas, please take me to his office!" ”

The foreigner clerk said in his heart, and sure enough, he immediately said: "Okay, please follow me!" ”

Lin Zhichao laughed in his heart, these foreigners seem to be superior, but in fact, they are the same respectful to the strong.

So if Chinese people want to be respected, they have to be rich.

He Dong once told Lin Zhichao such a story:

When he was young, he asked his foreigner father: "Why do the British look down on the Chinese?" ”

He Shiwen said: "Because the Chinese people are poor. ”

This sentence, He Dong said that he was unforgettable, and it became the driving force for him to settle down.

Lin Zhichao thinks it makes sense, even the Hong Kong garment factories at this time look down on orders from Africa, and the reason for this is not like that. When you see a group of people who can't even eat enough and wear tattered clothes, your first reaction is not pity, but rejection and contempt in your heart.

The whole world is like this, as long as you are rich enough, you will be someone else's guest everywhere.

Soon.

Lin followed the British staff to the door of an HSBC office with the words 'Import Department' written in English.

"Knock Knock"

"Deputy manager Sandas, this Mr. Lin said he had an appointment with you."

Lin Zhichao walked into the office and found that there were two people inside, according to the words of the staff, he analyzed that one was the manager of the import department, and the other was the deputy manager of the import department.

This made him change his mood slightly, it turned out that at this time, Sandas was only the deputy manager of the import department, and it seemed that there was a deviation on paper. At the same time, he was also worried about one thing, if Sandas was willing to support global shipping, then he would have to be in the ascendant!

In this way, wouldn't Lin Zhichao be able to take advantage of the peninsula campaign to rapidly expand the fleet?

But now is not the time to hesitate, Lin Zhichao quickly took over the staff's words: "I am Lin Zhichao, the founder of Cheung Kong Industrial, Cheung Kong Real Estate, and Global Shipping. ”

Sandas was about to raise his legs and put them on his desk as a way to give the reckless Chinese a disadvantage, but stopped when he heard 'the founder of Cheung Kong Industrial, Cheung Kong Real Estate, and Global Shipping'.

The name of the person, the shadow of the tree, as the new huge wealth of the Chinese, Sundash will not be turned away. Because of the news that he has been appointed as a project manager, in charge of the loan project in Hong Kong.

The other is Guy Saina, the manager of the import department, who is also known to be the future chairman of HSBC.

Although Sandas was impressed by Lin Zhichao's strength, he did not stand up to greet him, but said in a flat tone: "Did Mr. Lin come to our HSBC through the front gate or the back door?" ”

He's putting pressure on him! HSBC is the lifeblood of Hong Kong's economy, and it is impossible to win over a Chinese businessman who has just emerged.

"The main entrance, of course. Sooner or later, HSBC will have to take the initiative to put down its posture and seek loans from Chinese factory owners, and when the time comes, will they continue to be so stereotyped? ”

Lin Zhichao was not forced to the cliff, so he didn't need to whisper to HSBC. If HSBC doesn't support himself, Lin Zhichao will open his own bank, although it may not be bigger and stronger, but it can always attract a lot of deposits.

What's more, he entered the shipping industry five years earlier than the charter king, how could he lose!

Guy Saina watched the excitement from the sidelines and did not intervene in the confrontation between Sandas and Lin Zhichao.

Sandas laughed 'haha,' still full of the arrogance and rudeness of the Englishman, but he did not chase away the guests, and in this respect he was much better than the old Madden.

"You don't have to worry about this!"

Later, Sandas said, "So, you're here to ask for a loan. But you may have found the wrong department, we are the import department. ”

This can be regarded as alleviating the unpleasantness of the first meeting, and both parties must have been a little unhappy, but then they finally chatted.

Lin Zhichao said calmly: "I don't know the heads of departments of HSBC, but I think that since I came to the office of the import department, I naturally don't want to return in vain." ”

Seeing this, Sandas remembered that he had already appointed a project manager, so he took the opportunity to say: "It's okay, you can talk about your demands, if possible, I don't mind introducing you to people from the project department." ”

Lin Zhichao said: "I want to make a loan for global shipping! At present, we have a total of four cargo ships around the world, which are . One of the Victory ships and two Liberty ships have already found an excellent customer, the Japanese Yamaguchi Steamship, and have reached a contract for a six-month charter, so I would like to use the contract as collateral to reach a loan for the global shipping. ”

After going into detail, Lin Zhichao looked at Sandash and Guy Saina, this loan is like a 'letter of nomination', if it can be achieved, Lin Zhichao has already won the trust of HSBC and laid the foundation for next year's contract loan.

After listening to this, Sandas said: "It is impossible for HSBC to lend money for shipping, including the Bank of East Asia or other banks that you have been working with, not to lend money for shipping. Presumably, you should be aware of this. ”

HSBC has an unwritten rule that peers and their staff call "black books": Don't invest in shipping, airlines and film. This "rule" is not only for HSBC, but also for other banks, and the reason for this is probably that it is too risky.

Of course, Lin Zhichao will not give up: "I refuse to take out a loan because the risk is too great." I have three reasons to tell you: First, after the Second World War, the world economy recovered, and trade between different places increased, and shipping was the cheapest mode of transportation, and it was bound to make a difference. Some American economists predict that there will be a 20-year shipping market. ”

"Second, we have a long-term charter contract for global shipping, and Japanese customers pay money regularly every month, and we repay the loan regularly. This is a first-of-its-kind initiative that is only about 80% of the profit of a one-way trip, but the risk is also low, and it has also gained the trust of Japanese customers. ”

"Third, since the start of the Korean War, Japan has become a logistics base for the United States, and a large number of orders will cause Japan's economy to flourish rapidly. There will be a shortage of ships in the Far East, and demand and freight rates will rise. ”

He knew the future of Sandash, so he was naturally willing to tell his reasons and convince Sandas that if he didn't get a loan immediately, he would get a loan later.

Sure enough, the expressions on the faces of Sandas and Guy Sena changed, and they seriously thought about Lin Zhichao's words. As a banker, it is natural to have your own analytical skills.

After a long time, Sandas still said: "Mr. Lin, your analysis is very convincing, but I can say with certainty that the project department of HSBC will still not choose to lend you a loan." Then he added: "Of course, I'm interested in global shipping, so I don't mind if I take the time to look it out." ”

The so-called inspection is nothing more than to see how well the company's financial statements are doing and how well it is managed, so as to judge whether the company has development prospects.

At this time, Lin Zhichao also understood one thing, although Sandash is now the deputy manager of the import department, it is very likely that he will be transferred to the project department as a manager in the next few years. And his boss, Guy Saina, will also be promoted, or maybe he will be the chairman or vice chairman of HSBC.

"Of course! Although I have not secured a loan from HSBC right now, I insist that HSBC will see the steady, well-functioning of global shipping. With that, he handed his name to Sandash and Saipan Sena.

When Lin Zhichao said goodbye, Saipan asked, "Are you optimistic about this Chinese businessman?" ”

Sandas nodded and said, "Changjiang Real Estate and Changjiang Industrial, I have heard that this young man is very capable and is a Chinese businessman worthy of our HSBC court. So, no matter how well the shipping is doing, I naturally have no problem going to visit. ”

Saipan said: "It does make sense! To be able to create today's achievements from scratch, this young man deserves our support from HSBC no matter what! Of course, if it is real estate and industry, there is no problem; But looking at the way he looks, he just wants to seek a loan for shipping. So, you can observe more, maybe like he just said. ”

Sandas said, "Indeed! What I admire him very much is that even the fact that Japan's economy is about to develop rapidly and the Far East is about to cause a ship shortage, these analyses can be drawn, which shows that this person's vision is very vicious. Of course, whether there is a shortage of ships in the Far East or not is unknown, and we can continue to observe. ”

The other side.

Lin Zhichao walked out of HSBC and did not feel depressed, because he knew from the beginning that this year was just observing the time between the two sides. When I sign a 'three~five year long contract' with Yamaguchi Steam next year, it will be the time to really test both sides.

Yes, due to the vigilance of HSBC for shipping, Lin Zhichao plans to try to sign a long-term contract of three ~ five years with Japanese customers. He is not worried that Japanese merchants will not sign contracts, you must know that once there is a shortage of ships or high freight rates, some customers are willing to sign a long-term contract of more than three years, because this can avoid higher costs.

For example, for a contract of more than three years, the freight price is only 75% of that year, which can obviously save a lot. And the cycle of shipping, everyone knows that it does not end in one or two years, it is very long.

How did the charter king develop in his previous life - he bought an 8,200-ton freighter and leased it to Japan for only a few months, and then Egypt closed the Suez Canal, and his ship contract expired, and the original customer renewed the contract for three years at several times the price, at least three times the price.

Based on this, Lin Zhichao can be said to be full of confidence, his shipping career started five times higher than the charter king, and there is one more opportunity - the Far East is in a ship shortage; Assuming that he is one step ahead of HSBC, then he is already invincible.

Even if Bao Yugang was supported by HSBC in the future (Shen Bi supported many shipowners in the Shen Bi era, on the contrary, reduced the support for Bao Yugang), then Bao Yugang could not have half of the achievements in his previous life.

It can be said that Lin Zhichao robbed the luck of 'Bao Yugang' and 'Li Jiacheng', and with his knowledge, he can achieve even more overseas.

Two days apart.

Sandas then took HSBC staff to the Central office building of Global Shipping, where Lin Zhichao personally entertained them, and on behalf of HSBC, they carefully reviewed the accounts and operations of Global Shipping.

And Lin Zhichao also handed over all the information of global shipping to the people of HSBC, because the two sides need to gain mutual trust.

At this time, Lin Zhichao felt that his guess was true, that is, Sandas also knew that he had already appointed the manager of the project department, so he would be so enthusiastic.

"The profits of global shipping are very high, which is something that is more surprising to me! Your Global Maritime Academy is a pioneer in Hong Kong's shipping industry, and it is a very innovative initiative. Overall, Global Shipping is impeccable, and even Mr. Lin, as the boss, has a lot of confidence. ”

From the company's management and operation to the financial situation, Global Shipping is very satisfied with Sundash, so I can't help but praise it directly.

Lin Zhichao responded with a smile: "I know the banker's 'black book', but I am also confident enough to gain the trust of the bank." I think that bank loans generally need guarantees, and my achievements in real estate and industry should be able to guarantee myself. Coupled with the fact that Global Shipping has a charter in hand, there should be no problem. You tell me? ”

At this time, Sandas was already excited, he would become the project manager in the future, but he also needed to make his own achievements; The Chinese in front of him is a very prominent businessman, he is only in his twenties, but he has created a fortune of tens of millions from scratch and has a wide business network.

Is there a better candidate?

Directly introduced to the project manager, Sundash felt a little 'unfavorable to himself', so he said: "Does Mr. Lin play golf?" ”

Lin Zhichao answered this question with a consistent attitude: "I think it shouldn't be difficult!" ”

Sandas laughed 'haha' and then said, "Not necessarily! Do you have time on the weekends? ”

He has decided to be friends with Lin Zhichao first, and then he will think about it as a friend in the future, guaranteeing and running for Lin Zhichao's shipping loans.

In other words, Sanddash decided to gamble on his future!

This is a very risky act, but Sandash feels that the odds are very high, because from Lin Zhichao, he sees a lot of advantages.

Of course, this is a slow process, and Sundash has to slowly understand Global Shipping and Lin Zhichao.

Later, the two agreed to play waves at the Deep Water Bay Golf Course on the weekend, and Sandas left with the staff.

"Boss, will HSBC give us a loan?" Feng Yongfa couldn't help but ask excitedly.

With the support of HSBC, global shipping is simply connected to the road to heaven, and the future is bright.

Lin Zhichao said calmly: "It's easy to provide a loan!" For example, with the current asset situation of Global Shipping, assuming a loan of four or five hundred thousand US dollars, plus my personal credit guarantee, I believe this is not a problem. The big question is how much HSBC is willing to support our global shipping. Assuming that only one or two loans can not change much, we have to try to prove ourselves and do better in terms of management operations, financial skills, and financial skills. ”

Feng Yongfa immediately nodded and said, "What the boss said is true!" As it has just happened, Sundash seems to have a very strong interest in the quality of our seafarers, the route of operation, the management of the company, etc. ”

Lin Zhichao then said: "You don't pay attention to these things for the time being, for strengthening the management team, you have to do some work immediately, the first task is to expand the management team and increase the talent pool; Then you look for a larger office building in Central, preferably one close to HSBC, and it's best if you can rent one floor. ”

He is not afraid of raising 'idlers', because he understands that global shipping will develop quickly, and the key is that the management system cannot lack talents.

"Okay, I'll go get ready right away!" Feng Yongfa said energetically.

Lin Zhichao nodded, he values Feng Yongfa very much, although he is from Ningbo, he has rich experience in large government enterprises in the mainland, almost similar to Bao Yugang's status in mainland banks, of course, Feng Yongfa is the management of shipping companies.

Gao Qiqiang, the business manager of Global Shipping, is a native of Guangdong Province, and he worked in a British-funded foreign bank in his early years as a manager.

In global shipping, there is no geographical distinction, because their boss is a native of Guangdong Province and a son-in-law of the Shanghai faction; Moreover, Lin Zhichao prefers to use the system to manage people, and attaches great importance to the company's welfare system and corporate culture.

For example, when seafarers are still cadets, they will often organize football activities, which are in the open space of Cheung Kong Industrial. When the financial scope of global shipping allows, Lin Zhichao also plans to build a seafarers' building to provide a leisure space for seafarers after disembarking.

Although there are a lot of extra expenses, Lin Zhichao is good at using the 'shipping cycle', so it's just sprinkling.

After Feng Yongfa went to work, Lin Zhichao remembered the attitude of Sandash and immediately relieved himself.

After all, he is not Bao Yugang who came to the door in poverty, after all, he has already made achievements in the business world, and naturally it is easier to get the favor of HSBC. Therefore, he will strive to expand his fleet in this wave of 'shipping cycle'.

(End of chapter)