Chapter 98: Chinese Banking Star

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The bank is actually our ticket bank, that is, Yinzhuang and Qianzhuang.
If it were n’t for the capital sprout of our country that was repeatedly interrupted, the world ’s most powerful bank should be ours.
However, even under such arduous circumstances, after the wanderers of the Chinese country drifted overseas, they still established many famous Chinese-funded banks.
Pangu Bank is one of them, it is also the most famous one, and it is the most well-known one.
The founder of Pangu Bank was named Chen Bicheng. He was an ordinary Chinese child born in Thailand. After returning to China to study for a while, he returned to Thailand to start from scratch. Through a series of efforts and opportunities, Pangu Bank finally became a banker The number one bank in Thailand.
In another 10 years, Pangu Bank has become one of the largest banks in Asia.
Although it is not as global as HSBC, it is so well-funded and well-connected, and it is no better than Standard Chartered Bank, let alone banks like Citigroup and Credit Suisse, but in Asia, Pangu Bank is First Bank.
Countries in Southeast Asia, including Hong Kong and Taiwan, all the wealthy rich people who received the support of Pangu Bank at the beginning of their start, more than 60%. The richest people in various countries in the region basically have business dealings with Pangu Bank. And in a series of business activities, all rely on Pangu Bank to achieve cash flow turnover.
Then, after they became rich and powerful, they gave their capital business to Pangu Bank to take care of it, which was also a kind of feedback.
Panha Bank continued to grow stronger after it had become more popular. Before Chen Bicheng passed away, it was a signboard among the Chinese and a guarantee.
And through the relationship of Pangu Bank, everyone communicates with each other, help and support each other, and fight with the outside capital together, and gradually form a huge Chinese business alliance.
This is why, starting in the 1970s and 1980s, the richest people in various countries in Southeast Asia have basically become one of the most important reasons for the Chinese.
Such a coalition, with the various differences in the future, the limitations of various countries' policies and policies, and the loss of spiritual leaders, after the death of Chen Bicheng, it gradually disintegrated, so that future generations would not know much. The prestige of Pangu Bank.
But Yin Jun knew.
He not only knew the history of Chen Bicheng's prestige, but also knew that the branch of Pangu Bank, Xiangjiang Commercial Bank, actually continued the purpose of Pangu Bank in Xiangjiang.
The purpose of Pangu Bank is to help Chinese businessmen as much as possible so that they can develop better.
Xiangjiang Commercial Bank was established in the 1950s. During this period, many Chinese businessmen received their favors. However, because there are too many financial institutions in Xiangjiang, Chaoshan Shan and Ling Bobo are also good at holding groups, so this comes from Thailand's commercial banks haven't gotten much room for action.
Even though Chen Youqing, who is currently in charge of the board of directors of Xiangjiang Commercial Bank, is Chen Bicheng's eldest son, he is not Chen Bicheng's ideal successor, nor has he received much support from Pangu Bank.
Chen Bicheng finally gave his industry, Pangu Bank, to his second son, Chen Youhan, because Chen Youhan had a stronger ability, and in the spirit of being capable, Chen Bicheng naturally left the best industry to the best son .
Chen Youqing is actually not stupid, but he is relatively honest and honest, and his business skills are not enough. Chen Bicheng has prepared Xiangjiang Commercial Bank for him, allowing him to live a stable life in the international financial district of Xiangjiang-anyway, back to the mainland Market, Xiangjiang's financial industry can afford to eat, and will not make the elder son's life constrained.
Facts have proved that Chen Bicheng's arrangement is correct. Chen Youqing is diligent and diligent. When the return came, his property was as high as 8 billion Hong Kong dollars, ranking among the top 50 of the Hong Kong rich.
Later generations also have a very high opinion of Chen Youqing. Doing business with him is very reassuring, and will not let your investment be shared, nor will you force you to sell things to pay off debts when you are embarrassed, and always keep his father Chen Bicheng 'S mentality of helping the Chinese friendly.
This is why there are more than 300 banks and financial branches in Xiangjiang, but the less well-known Xiangjiang Commercial Bank has been able to play steady and live well.
The financial support that Yin Jun wanted to seek was to get the idea of ​​Xiangjiang Commercial Bank.
Two days ago, he asked Liang Shuyi to make a call to Xiangjiang Commercial Bank and made an appointment with Chen Youqing.
Jiashi's settlement bank is not Xiangjiang Commercial Bank, but because Liang Shuyi's network is very broad, and Chen Youqing has a little friendship, so this appointment is very smooth.
I heard that the now very popular "Xiangjiang No. 1 Screenplay" Yin Jun wanted to discuss things with himself. Chen Youqing was also very interested, and he was specifically reserved for 2 hours.
At 8:50 in the morning, Yin Jun entered the headquarters of Xiangjiang Commercial Bank in Central 10 minutes before the appointment time.
With the financial support of Chen Bicheng, Xiangjiang Commercial Bank bought a piece of land in Central from the beginning, and repaired the 12-story headquarters building in the 1950s, all for its own use.
Chen Youqing's office is on the top floor. After verifying Yin Jun's identity, the secretary took him to the office of Chen Youqing by elevator.
Chen Youqing was feeding his bird on the balcony of the office. When he heard that Yin Jun was here, he asked the secretary to quickly bring him in.
Entering the office, what Yin Jun saw was not a business elite in a smart suit, but a middle-aged man in his forties who was wearing a simple red and black Tang suit. He calmly revealed a trace of shrewdness.
"Yin Sheng, what a hero is a boy!" Chen Youqing came over with a smile, shook hands with Yin Jun, and sat across from the sofa. "I was still at Xiangjiang High School when you were such a big boy. With money, where can you be so shocked? "
"Chen Dong, you are wrong." Yin Jun said harmoniously: "There is no one born to know, and I have good luck and good luck to have the present success. Such success, and Chen Dong step by step Come over, compared to the success of steady and steady play, that is not worth mentioning. "
Chen Youqing smiled, "Based on this passage, I don't think you are relying on luck, yinsheng. But I don't know, what can I do for you."
"Have!"
Yin Jun took out two stacks of documents from his backpack. One stack was only a few sheets thick, while the other stack looked like at least a thousand sheets.
"The first is the contract of" Wulin Gaiden "signed by Jiashi and me. The second is the script of ten other TV series I wrote in the last six months." Yin Jun placed him in front of him, "If I say, these ten None of the scripts is worse than "Bao Qingtian" or "Wulin Gaiden", don't you know that Chen Dong can believe it? "
Chen Youqing first looked at the contract between Yin Jun and Jia Shi. He knew that Yin Jun had two meanings. One was to prove his identity, and the other was also a basis for negotiating business, or a reference.
Then, Chen Youqing looked at the ten scripts that Yin Jun said.
The name of the first script is called "New White Lady Legend".
Chen Youqing didn't read it, but turned to the middle and found a script called "Miao Shou Ren Xin".
There are not many scripts in "Miao Shou Ren Xin", only more than 80 pages. Chen Youqing read a few pages, put it down, took a sip of tea, and then slowly read it again.
This is more than 40 minutes.
After watching and laying down, Chen Youqing closed her eyes and pondered for a while, then nodded and opened her eyes.
"This story is good." Chen Youqing laughed. "Although I am not familiar with the doctor industry, but if I bring it into the script, I have a lot of exploration. I want to see between the doctor and the patient. What wonderful experiences and stories will happen. "
After a pause, Chen Youqing replied: "I'm not sure if it can be compared with" Bao Qingtian "and" Wulin Gaiden ". I just like to watch" Bao Qingtian ", but I can't understand my children. , The most important thing every day is to wait for the start of "Wulin Gaiden". In TV dramas, you are the authority, I am not. "
Yin Jun said with a jaw: "I need 30 million yuan for ten scripts. I can accept a higher interest rate. I do n’t know if Chen Dong can do this business."
According to the contract signed between Yin Jun and Jia Shi, his script is worth 8 million yuan.
Now Quan Xiangjiang knows that Yin Jun is writing a script to start a money printing machine and make a lot of money.
"Since your script is so popular, why not sell it directly?" Chen Youqing asked curiously: "Wireless, Li and Gaishi, it is not difficult for three TV stations to eat 10 scripts, right?"
"If good works are squandered so quickly, I'm really sorry for them." Yin Jun said, "In my opinion, there are one or two scripts in this year, which is enough for audiences to read."
Chen Youqing didn't know how to laugh.
For the first time, he saw a screenwriter as confident and proud as Yin Jun.
But Yin Jun is definitely not a rhetoric. With the success of "Bao Qingtian" and "Wulin Gaiden", he has the capital to say this.
In the current Xiangjiang TV industry, Yin Jun said that he wrote the script second, and no one dared to say that he was first.
The two super-popular TV series, with high ratings between 60% and 80%, have already proved his status as a screenwriter.
Chen Youqing doesn't know, in fact, Yin Jun still has hundreds of scripts.
There are even several good scripts that are ready to be sold in these two or three months.
For example, "Chu Liuxiang", for example, "Shanghai. Beach."
It ’s not an exaggeration to say that these two TV series are no worse than "Bao Qingtian" and "Wulin Gaiden". Even in the true sense, "Chu Liuxiang" and "Shanghai.Beach" are more than the previous two Be tough.
"Chu Liuxiang" opened the era of the god-like fragrant handsome, "Shanghai. Beach." Also opened the era of gang fighting, grudges and enmities. They all have great significance.
It's just that in the history of the previous life, "Chu Liuxiang" will be produced and broadcast next year, and "Shanghai. Beach." Will be produced and broadcast the following year. Yin Jun's investment cannot be completed in one or two years. , So he can't mortgage the script that will be sold soon.
Otherwise, your script will still be mortgaged here, and you will sell it if you change hands. Is it appropriate to collect money from one script?
Therefore, most of the films produced by Yin Jun are classic episodes of the 1990s, and some TV series from 2000 onwards, so that they can guarantee that they will not need these scripts within three to five years, and they can be securely secured.
As for the real reason why they did n’t sell to three TV stations to gather money, it was because Yin Jun was unwilling to let the wireless continue to be strong, and Li and Heshi TV stations could not eat the script worth 50 million at one and a half moments. What is missing is time, so there is only one way to go for a mortgage.
Otherwise, according to Yin Jun's habits, he doesn't like dealing with banks.
"Xiangjiang Commercial Bank is a joint-stock company, and our Chen family is the largest shareholder." Chen Youqing said flatly, "If you want to come to Yin Sheng, you also know that our Chen family has always been happy to help Chinese businessmen at the beginning stage. The script used to be a mortgage, but I think this is also a new model, we can try to cooperate in this way. "
Yin Jun was very happy.
Chen Youqing really is as kind as the legend.
"Yin Sheng said just now, you want a loan of 30 million, right?" Chen Youqing looked up and asked Yin Jun.
"Yes."
"Is 30 million enough?"
"Uh!?"
Yin Jun suspected that he had heard it wrong.
He originally thought that Chen Youqing was going to cut it down. After all, a 30 million loan is not a trivial matter. It cannot be said that your script is worth 80 million, and I can give you 30 million.
The general mortgage rule is based on a 70% valuation, and another 30% discount.
For example, if your land is worth 100 million yuan and you get a bank to mortgage, they will only value you 70 million yuan, and on the basis of this valuation, the bank will only loan you a 70% share. That is, in the end, 100 million of land will be taken out, and you can only get up to 49 million.
This is a more polite bank, otherwise 30 million loans to you are normal.
According to this ratio, Yin Jun took 10 scripts and ended up with only a loan of 30 million yuan.
I didn't expect that Chen Youqing actually asked whether it was enough! ?
"If Yin Sheng is short of money, it is not necessarily just a loan of 30 million yuan." Chen Youqing smiled. "If you need it, Xiangjiang Commercial Bank can lend you more."
Upon hearing this, Yin Jun's palms were tingling.
He saw such a bold person for the first time.
If the Chen family had the best credit, and the development in the next few decades also told Yin Jun that Chen Youhan was not a treacherous businessman, Yin Jun would feel sure that Chen Youhan had any conspiracy.
After pondering for a moment, Yin Jun nodded: "If Chen Dong is convenient, don't know if 50 million will work?"
"it is good!"
Chen Youhan thought about it, and then nodded.
Looking at him, borrowing 50 million is equivalent to borrowing 500 yuan.
Yin Jun really admired Chen Youhan's manner and Chen Bicheng's education.
Only people from such a family can get rewards from the success of Chinese businessmen!
Although it is possible that the money they borrowed will not be recovered for various reasons, but since the object of their loans is Chinese, they are Chinese who have always been based on the concept of "Xinyi first", so most of the investment, It still got a generous reward, and it grew out of it.
If the money is lent to these natives in Southeast Asia, let alone the mortgage is not enough, that is, the mortgage is enough, I am afraid most of them are lost.
The Chinese are different. In ancient times, when our merchants did business, there was no loan agreement at all. They all said with a mouth, and then they tried their best to complete their commitments. It cannot be directly engulfed. Other people's things, but it will make their children and grandchildren can not lift their heads, do not do!
The education of the ancient Chinese was quite strict. Everyone's education from childhood was always etched into their hearts. They would not forget what they learned, anyway, they are useless.
Jinxi is poor and white. Why did Jin merchants run the world since the Ming Dynasty?
Isn't it because of a letter?
They can be deceived, deceived, stolen, and framed, but as long as it is what they promised, then it must be done as a ruin.
The businessmen of Hua Guo did not say that they did so during the heyday, even in the turbulent Qing Dynasty.
Before the Qing dynasty was about to collapse, everyone was hyping rubber on the Shanghai beach, which led to the collapse of state finances and government, and the collapse of dozens of large and small silver companies.
One of them was a silver number. After the bankruptcy, it sold its own property in its hometown, rented a small shop in Jinwei and Huajing, and specially recovered the silver tickets issued by its own silver number until the people. . This was still done during the Chinese period.
Why are people doing this?
Isn't it because of the faith in your heart that you can't get through this level, so all you have to do is to start and end?
This has to be changed to today, not to mention Chinese, that is, Americans who have always advertised themselves as "disciplinary and law-abiding" ~ EbookFREE.me ~ That is also after the closure of who I am.
Whoever wants to do such a thing, the first reaction of the social ethos is definitely not to say "this man is good at justice and old-fashioned", but he will definitely say "Look, I don't know how much money he cheated, and now he comes to atonement" — -Think of people's willingness to think in terms of evil rather than good. This is a social reality where people are helpless.
As another example, the Qiao family in the "Qiao Family Courtyard" is so prosperous and prosperous, how did it finally fail?
It ’s not because they are determined not to do the business of
new tickets for old tickets
and
new and new tickets for old tickets
by Yan Xishan. Let's do this. Under such a shrinkage of thousands of times, is it forced to decline to obscurity?
The Chen family and those Chinese businessmen do business, it has a taste of doing business in ancient times, everything is done with heart, and mutual trust is the biggest bridge.
In consideration of Yin Jun, Chen Youhan said again: "50 million loan, temporarily borrowed for 3 years, can be renewed upon maturity, annual interest is 5%, Yin Sheng has no opinion?"
"Thank Chen Dong!"
What else can Yin Jun say?
The average preferential loan interest rate of Xiangjiang this year is 6.68%. The interest rate of Chen Youhan is already at a very low level in the industry, and the loan term is very ideal. If you are not satisfied, you will be greedy.
"If you go through the formalities today, the money will go to your account tomorrow." Chen Youhan stood up and extended his hand: "Yin Sheng, then wish us a happy cooperation and wish you great ambitions!"
"Thank you!"
When shaking hands, Yin Jun said sincerely.
In the face of such timely rain, after you have developed in the future, if you want to help the Chen family, you are sorry for your conscience! (To be continued.)