The black technology empire started with a debt of one billion

Chapter 5 Patent Mortgage Loan
After the message was sent, Cao Mang turned off Weibo.

next day
December 2014, 7.

Cao Mang went to the factory to get the test tools, and brought a sample and the patent certificate of the camera by the way, and came to Huaqi Bank alone.

The data on large loans from domestic banks is provided by China Unicom, and it is basically impossible to obtain loans from domestic banks.

As soon as he walked in, a slim woman wearing a suit, vest, and long skirt that covered her hips came over.

Women's facial features are exquisite and delicate. If 85 points is a perfect score, women can get [-] points.

"Is there anything I can do to help you, sir?" the woman asked.

Cao Mang glanced at the woman's chest.

ummm
It wasn't the kind who stared at her lewdly. What Cao Mang looked at was her badge. The woman's name was Chen Qiuping.

"Miss Chen, I want to apply for a large loan, it's best to let your general manager handle it." Cao Mang replied.

"I don't know what your surname is, sir?" Chen Qiuping smiled.

"My surname is Cao, and my last name is Mang, which means Wang Mang's Mang." Cao Mang replied.

"Mr. Cao, please follow me." Chen Qiuping said with a salute.

Under the leadership of Chen Qiuping, the two came to a small meeting room, and they entered the meeting room together.

"Mr. Cao, I don't know if you want coffee or tea. We have oolong tea, Maojian tea, and Tieguanyin tea." Chen Qiuping walked to the tea bar nearby and asked.

"Oolong tea," Cao Mang replied.

Chen Qiuping skillfully made a pot of tea, put the teapot and cups on the table, and then said: "Mr. Cao, please wait a moment, I will inform the manager right away."

Chen Qiuping left the conference room after receiving Cao Mang's nod in response.

She walked to the office area on the second floor of the bank.

15 minute later.

The door of the meeting room was pushed open, and it was a foreigner who opened the door.

Caucasians are around 30 years old.

The man was dressed in a black suit, with very three-dimensional facial features, a pair of blue eyes, a double chin and a hooked nose, and a big back.

"Hello, Mr. Cao, I am the loan manager of Citibank, and my name is Smith Kasser." Smith Kasser said, handing over his business card with both hands.

Smith's Mandarin is very standard. If his facial features are blocked, you can't guess that he is a foreigner.

Cao Mang took the business card, glanced at it, put it down and said, "Mr. Smith, I would like to borrow [-] million soft sister coins from your bank."

Five hundred million soft sister coins?
This is a big client.

But Smith-Kase doesn’t show it, thanks to his years of professionalism.

"Mr. Cao, I don't know if you have a personal loan or a company loan?" Smith Casse asked.

"Personal loan." After Cao Mang finished speaking, he took out a document, a sample of the camera, testing equipment, and an Apple notebook from his bag.

Smith was puzzled by Cao Mang's behavior.

"Mr. Cao, I don't know what mortgage you want to use?" Smith Cassie asked.

"Mr. Smith, this is the patent certificate. I want to use the patent as collateral. This is a sample of the patent." Cao Mang said as he pushed the things in front of him.

"Camera?" Smith Cassie recognized it at a glance, and then he picked up the documents on the table to check.

It is very common in the Shenzhen market to use technology patents as collateral for loans, and Smith has also dabbled in technology to a certain extent.

As a key account manager, if you don't understand patents and the value of patents, then it would be too shameful.

Smith Cassie looked at the patent report in his hand with a surprised expression.

Liquid camera?
This is a proper black technology.

"Can I try it?" Smith Casse asked as he picked up the tester.

"No problem." Cao Mang nodded.

This tester is imported, and the text on the system is in English, and Smith Cassie got started quickly.

Smith took the tester to do a simple focus test first, and then did a shake-shooting video test.

After a series of tests, the memory card was removed from the instrument and inserted into the notebook.

Smith Cassie operated the computer to check the video just shot.

He was very surprised by the effect of this camera. It didn't shake at all when shooting with shaking. The anti-shake function is really strong.

Smith Cassel already has a certain valuation in mind for these patents.

"Mr. Cao, this patent of yours is really great, but I can only give you a loan amount of [-] million." Smith Cassie said.

"Mr. Smith, if I send the sample to Mr. Cook of Fruit, I believe he will spend [-] million to buy it. If you continue to insist on this price, you will lose a future big customer." Cao Mang laughed. .

Super anti-shake liquid camera?

These patents are not that simple, and they can also be used in other optical fields.

Its value is more than 5 million yuan. If the liquid camera is mass-produced, it can earn at least 5 million yuan a year.

Could Smith not know its value?

It's just that banks are not charities. If they can lower the price, they will definitely try to lower the price. Otherwise, what will the bank make?

"Mr. Cao, do you mind if I send this information back to the headquarters?" Smith Casse asked.

A loan of 5 million yuan is not a small amount. Just because he thinks it is worth it, it must pass the review of the appraisal department, otherwise the loan will not be granted at all.

"At this point, the evaluation department in your headquarters is still working?" Cao Mang asked in surprise.

"Mr. Cao, our bank is a global bank, and the evaluation department is on duty 24 hours a day." Smith Cassie replied.

"No problem." Cao Mang nodded.

New York City, USA
Wall Street was deserted at this time.

But the vampires of major companies are still as busy as ants.

Evaluation department on the [-]th floor of Huaqi Building.

"Diling~"

Amado Budu opened the mailbox when he heard the computer ringing. Generally, such emails with ringtones are urgent emails.

"Fake, has someone really developed it and mass-produced it?" Amado Budu looked at the content in the email and was surprised.

Amado Boudo is an evaluation manager for technology products.

"Guys, Huaxia has a good item. I have forwarded it to you. Hurry up and do a value assessment."

After hearing Amado Budou's words, the staff of the department began to get busy.

When everyone was busy, Amado secretly wrote down Cao Mang's information, and asked Huaxia's channel to check later.

After Cao Mang's information is confirmed, he will sell the information to Apple later, and Apple will definitely give him a favor fee.

This is a way to make extra money doing tech audits, and it’s an open secret in the banking industry.

10 minutes passed.
Department members checked the patents in the database, retrieved sales data for camera-related products, and then entered the data into the calculation model.

The data model quickly calculates the value of these royalties.

(End of this chapter)