Reborn in Hong Kong: The Tycoon Grows Up

Warships and aircraft are fun to buy, but the financial problem needs to be solved urgently. Bao Zixuan had never planned such a huge capital expenditure before, and sales required a process. It is impossible to withdraw funds in a short period of time, and the US military cannot owe money, and it does not dare to owe it.

Although Heiyun Computer Company has a lot of funds in its account, it does not dare to misappropriate them all. After all, with this fund, if there is a problem in Xiangjiang, we can respond immediately.

Nearly $1 billion has been spent on naval and air force equipment, not counting 300,000 military vehicles. You must know that that is the big head, and it cannot be done without 2.5 billion US dollars. As expected, the richer you are, the less money you have.

Engineers from Jeep, Dodge, and Heiyun Motors have conducted comprehensive inspections of active U.S. military vehicles. It can basically meet the usage requirements, and there are very few parts that need to be replaced. The U.S. military has done a very good job in logistics and supply, and it has to be admired.

The U.S. Department of Defense has indeed given some support to Heiyun Group, at least taking the initiative to help financially. Bao Zixuan knows that when dealing with the US military, one must understand how to share interests. Some loans must be used, otherwise everyone will look bad.

Countless banks in the United States have proactively contacted Heiyun Group. No matter how you look at it, Bao Zixuan will not lose money on this business. Moreover, the U.S. banking industry is still eager for him to lose money, so that he may get unexpected gains.

Wells Fargo, founded in 1852 and headquartered in San Francisco, is the only bank in the United States to receive a AAA rating. Founded by Henry Wells and William Fagg, it is the world's largest bank by market capitalization. Wells Fargo is a full-service bank with business lines including community banking, investments and insurance, mortgages, specialty lending, corporate loans, personal loans and real estate loans.

Not only Wells Fargo, but another well-known bank in the United States also participated.

Citibank is a retail bank affiliated with Citigroup. Its main predecessor is the City Bank of New York, which was established on June 16, 1812.

Citigroup serves approximately 200 million customers in more than 100 countries around the world, including individuals, institutions, businesses and government departments. It provides a wide range of financial products and services from consumer banking services and credit, corporate, investment banking services, as well as brokerage, insurance and asset management, which is unmatched by any other financial institution.

As for Morgan Bank, the number one bank in the United States, it is well avoided being the richest man. The Ministry of National Defense also knew about Bao Zixuan's love-hate relationship with the Morgan family, so it didn't push too hard. If anything happens, all plans will be disrupted.

Originally, old Morgan wanted to come over and get a share of the pie, but the Hong Kong tycoon just didn't agree. This left him helpless. Fortunately, the business was not very big, otherwise he would have to vomit blood.

After careful calculation by engineers and accountants, Heiyun Group needs to pay US$3.67 billion to the US military. The richest man could take out this wallet, but he couldn't do it at this time. Otherwise it will be difficult to transport decommissioned equipment out of the United States, which involves huge interests.

If there were two U.S. banks behind it and the military acquiesced, things would be much easier to handle, and at least a lot of trouble would be saved.

David Wells is the grandson of Henry Wells, the founder of Wells Fargo, and can be said to be a proper fourth-generation rich man. Currently serving as the president of Wells Fargo, he is definitely the most capable person in the family. Many people say that wealth cannot last more than three generations, but this does not apply to foreign countries. At least when it comes to raising children, established families still have their own unique features.

Citibank is a professional manager system, and John Reed appeared in front of Bao Zixuan as the senior vice president of Citibank. Although John Reed is the vice president, he basically performs the role of CEO. There is nothing wrong with negotiating with Heiyun Group on behalf of Citibank.

Moreover, the other party has another identity and is an alumnus of Bao Zixuan.

Originally, he didn't want to personally intervene in the loan matter, but John Chambers wanted to contact the Ministry of Defense. The identities of the others were not equal, and Bao Shaofu could only come forward in person.

Seeing the two people coming in, Bao Zixuan said with a smile: "The presence of these two great masters really makes the entire Heiyun Group feel prosperous."

Everyone has a tacit understanding of whether to cooperate or not. Bao Zixuan wanted to solve the problem once and for all and didn't want to waste time here. Because of the order for new American military vehicles, I still want to win. Although there is little hope, we still have to fight for it. The most important thing is to make technical reserves and prepare for the development of next-generation models.

Although David Wells came from a super-rich family, he didn't dare to show off in front of Bao Zixuan. He smiled and said: "Mr. Bao is too polite. It is my honor to see you again."

Being able to become the heir of the family is enough to show that David Wells's ability is not bad, and his emotional intelligence is not that low.

John Reed: "Mr. Bao, please don't say that. Coming to Heiyun Group is an opportunity that many people dream of."

This time I invite two people to come together, and I will definitely not choose the home stadium of any bank. The Detroit branch of Heiyun Group is the most suitable choice, after all, it involves military vehicle transactions. In addition, Bao Shaofu wants to take charge of the research and development of new cars and the coordination of the Jeep production line after the talks. After negotiating the loan, you can get back to work immediately.

After the three of them sat down, Bao Zixuan said: "Mr. Wells and Senior Reed are both well-known figures in the American banking industry. It is an honor for Black Cloud Group to have the opportunity to cooperate with Wells Fargo and Citibank. I think as long as As long as everyone has a positive and cooperative attitude, this business will definitely be successful.”

John Reid was very happy about the name Bao Zixuan. The benefits of being an alumnus of a well-known university are once again reflected. Although he is not studying science and engineering, it will not affect him.

There's nothing wrong with David Wells. After all, he didn't graduate from MIT, so he couldn't make friends with him if he wanted to. And alumni are just a bridge and cannot change anything.

After a while of pleasantries, the meeting got down to business.

Bao Zixuan: "I don't know what kind of support you two can give to Heiyun. Only cooperation and win-win business can last long."

The two of them didn't expect Bao Zixuan to change topics so quickly. Fortunately, they had both experienced big scenes and were prepared in advance.

David Wells: "Wells Fargo can lend $2 billion to Black Cloud Group with an annual interest rate of 8%, which will be repaid with interest after five years."

The interest and repayment methods are quite generous, at least compared to their American peers.

John Reed: "Citibank will also provide the same treatment, and the specific amount will be decided by Mr. Bao."

The meaning is obvious, as long as Bao Zixuan is willing. No matter how much money you want, Citibank will accommodate it.

Mr. Bao was not very satisfied with the result, mainly because the interest rate was a bit high. The two banks earned $160 million a year without having to do anything. The most important thing is that there is no risk, because no one will worry about Heiyun Group not being able to pay back.

Bao Zixuan said with a smile: "It stands to reason that the conditions given by you two are already very generous, but I want to make one point. Heiyun Group is not short of money. You two should know that the funds in Heiyun Computer Company's account alone are enough to pay The cost of decommissioning weapons and equipment from the Department of Defense.”

"This collaboration is more about balance. After all, no one can eat alone."

"Currently, the two banks are not very strong in the Asian market. We can still cooperate in this regard. If we want to maximize our interests, it is not impossible to operate in the Middle East and the Soviet Union."

As the most well-known bank in the United States and even Europe and the United States, everyone wants to expand externally, but there has never been a chance. What Bao Zixuan said was true. This time it was to achieve a balance of interests. He can cooperate with anyone he wants, and there will be opportunities to expand the market in the future.

John Reed obviously knew how to cherish opportunities, so he said: "The annual interest rate of 5.5% is Citibank's sincerity, and it is also my maximum authority. Other conditions remain unchanged, I don't know what my junior wants."

David Wells did not expect Citibank to make such a big concession all of a sudden, which made Wells Fargo very passive; but it had to follow, otherwise Citibank would definitely be cut off.

John Reed knows Bao Zixuan better, and he can give back a lot of information in terms of alumni resources. Mr. Bao likes to be straightforward, which may be a common trait among men majoring in science and engineering; he has seen too many such people at MIT. Therefore, after the board of directors gained full power, it became so bold.

Bao Zixuan: "Senior Reed, please do as you say! 2 billion U.S. dollars, with an annual interest rate of 5.5%; but it will take 7 years. After maturity, you will repay the principal with interest in one lump sum. In order to give the senior an explanation, Black Cloud Computer Company pledged 10% of its shares to Citibank."

After Citibank agreed, Wells Fargo didn't dare insist. The three parties quickly reached an agreement. Bao Shaofu used 20% of Heiyun Computer Company's shares as collateral to obtain loans of US$2 billion from two banks. The funding problem has been solved, and the two banks are eager for him to pay it back, so that he can have a chance to get shares of Heiyun Computer Company.

The shares of Heiyun Computer Company are definitely hot commodities, and they may become the number one company in the world after listing. No matter how you look at it, neither bank will suffer. There are also opportunities to enter the Soviet Union and the Middle East market, which were unthinkable before.

Seven years later it will be time to reap the fruits of victory in Japan, and that little money will really be nothing to Bao Zixuan by then.