Coquettish Rebirth
Chapter 2552 Loans
Sinopec adopts a method similar to that of PetroChina, that is, a part of the stock is directional, and the other part is a public offering.The so-called targeted fundraising, as written in the original legal text, means that it will not be sold to the public, and only a limited range can be purchased. It must be purchased by a specific legal person or natural person. Come to hold shares, outsiders can't buy them.
However, the directional fundraising of Sinopec and PetroChina is actually just selling stocks like various rich companies.It is said that the scope is limited, but it is just not for those who are not strong enough to buy it.For example, this time, in addition to looking for the Jia family of Huaxia Hi-Tech, they also found Li Ka-shing and his Li family, and then there are some stock gods Buffett, Goldman Sachs Investment, and a group of oil giants-Erickson Mobil Petroleum, BP Petroleum , Shell, etc.These conglomerates and millionaires who were brought in were called "global strategic investors" by Sinopec.
By the time Sinopec came to find Jia Hongjian and the others, more than half of the stock had already been sold—the three oil companies alone had bought more than half of the stock, okay?Everyone knows that Sinopec has a near-monopoly position in such a huge market in China. Is it stupid to invest in Sinopec without establishing a good relationship with it?
Then, Li Ka-shing bought 167 million US dollars of shares, but Buffett didn't buy Sinopec because he was more optimistic about PetroChina.In this calculation, a total of 1.6 billion h shares of Sinopec stock are priced at 267.2 Hong Kong dollars per share, and the total market is 140 billion Hong Kong dollars.The three oil companies ate 120 billion Hong Kong dollars in stocks, and there are 7.8 billion left.Li Ka-shing bought 110 million U.S. dollars, or almost 120 million Hong Kong dollars in stocks, leaving a little over [-] billion Hong Kong dollars, which is almost [-] billion in RMB.
Jia Hongjian promised to buy all the 120 billion yuan in stocks, and then he started looking for a bank to prepare a loan.The bank syndicate Jia Hongjian was looking for this time was not a domestic bank syndicate. After all, what he wanted to borrow was in US dollars, and he also wanted to buy stocks from the United States.It was about finding a bank loan, so Jia Hongjian approached three note-issuing banks in Hong Kong to discuss this matter.This is also quite strange to say.It was obviously their Huaxia Hi-Tech loan, but instead of him coming to the door for consultation, he called three banks to come to him for consultation.
Soon the three banks came separately, and the first to come was HSBC.Speaking of which, HSBC is actually quite interesting. Their English name of HSBC Bank is hsbc. In fact, if the whole English name is literally translated into Chinese, it is "Hong Kong, Hong Kong, Shanghai and Shanghai Co., Ltd.".That's right.It is such a humble name, and such a humble name is a bank established in Hong Kong by an Englishman at the end of the 19th century.
The treatment given by HSBC is very good, with 2.15% interest and two years of penalty interest.5% in the first year and 2.5% in the second year.The meaning of the so-called penalty interest is very simple, that is to say, if the loan is repaid in advance, in order to protect the interests of the bank, it is necessary to give people extra money according to the interest of the "penalty interest", that is, the penalty interest.For example, a loan of 100 million yuan was originally agreed to be exchanged for ten years.How much is changed every month, and then after two years of repayment, I suddenly asked to pay it off at once.So for the bank, although it has been repaying the principal and interest in the past two years, the interest is really not enough, so it needs to pay a total of two years of penalty interest, which is 5% in the first year and 2.5% in the second year. Additional interest of [-]% p.a.
Regarding this, Jia Hongjian didn't have any objection, because he didn't think that he would pay it all back within two years.To be honest, the treatment that HSBC originally gave was quite good.But Jia Hongjian still wanted to do some shopping around, so he called Standard Chartered Bank to find out.The second Standard Chartered Bank who came here, the overall quotation is quite favorable. It can even be said that the overall quotation is similar to that of HSBC. It is also an interest rate of 2.15 and a two-year penalty interest.5% in the first year and 2.5% in the second year.However, in addition to these, the Standard Chartered Bank gave another discount - naturally after Jia Hongjian proposed that the price offered by HSBC Bank was the same as Standard Chartered.Standard Chartered expressed its willingness to offer 0.2% cash rebate!Of course, the so-called cash rebate of 0.2 does not mean real cash, but is equivalent to an interest adjustment-the so-called cash of 0.5% is the amount that the bank will offset the small money to be exchanged in the end , so it can be understood as a reduction in interest rates!
This treatment can be given even better!Then Jia Hongjian said that he had to think about it, and then he sent the people from Standard Chartered Bank away.In the end, of course he will find a third bank, which is Bank of China Hong Kong. The Hong Kong branch of Bank of China is not small.At the same time, because Bank of China fully competes with Standard Chartered and HSBC in Hong Kong, the price is quite impressive.Also at the beginning, it was 2.15 interest and 2-year penalty interest, but in addition, after knowing that Jia Hongjian and the others had received the "cash back" from Standard Chartered, the representative of the Bank of China hurriedly asked Hong Kong for instructions. The leader of the branch in Hong Kong came directly and said to Jia Hongjian in a low voice: "Mr. Jia, our bank has agreed. If you come to our side for a mortgage loan, 20 billion US dollars will be given to you as you said before." In addition to the interest rate, plus 0.5% cash back, while eliminating the penalty interest..."
Yo!If you listen to it this way, this Bank of China is still awesome!Of course, the most important thing is that the current economic situation in Hong Kong is not very good, and the overall situation is still in the process of "structural transformation". The Huaxia High-Tech Building has already been built, and they have already started attracting investment. In addition, Huaxia High-Tech originally had a lot of deposits in the mainland.Considering their credit and future trends, it obviously doesn't look like they will do badly!So from this point of view, the loan to Huaxia Hi-Tech is not a big risk!And because the loan amount is very large, even if the interest rate is low, the amount of interest they receive every year is quite a lot!
Even if the annual interest rate is only 2.15, a loan of 20 billion US dollars will last for 10 years, and the interest of 4300 million US dollars will be repaid every year. The ten years will add up to 4.3 million US dollars in interest!A stable profit of 4.3 million US dollars in ten years, although the profit may not seem to be much for the bank, but the advantage is that the risk of stability is small!Banks only charge high interest rates for subprime loans, that is, for those loans with high risks!As for Jia Hongjian, the annual interest of 4300 million US dollars is not included in the so-called cash rebate.Then the monthly loan repayment is less than 360 million US dollars.This is drizzle for Huaxia Hi-Tech, and even for the Jia family!Not to mention anything else, just the small amount of dividends that Sherlock Holmes distributes to the Jia family every year after the re-privatization of the company is enough to repay the loan!So the price is absolutely right!
At the same time, according to Jia Hongjian's own forecast, it is estimated that 120 or 14 million US dollars would be enough to privatize Holmes Company again.The remaining [-] billion US dollars of funds.Can't we still use it to make money?Can't we still invest in Sinopec?The stock price of Sinopec is less than [-] billion yuan. If converted into US dollars, it is more than [-] billion US dollars!So on the whole, that really is just enough!If it is not enough, Jia Hongjian can temporarily borrow tens of millions of dollars from Olson of ams or even Bill Gates to invest in it!
Then after a few years, the price of Sinopec's stock soared all the way.If Jia Hongjian remembers correctly, around 07, Sinopec's H-share share price could rise above HK$6!At that time, even if one share earns 5 Hong Kong dollars, Jia Hongjian's family will probably eat 70 billion shares, so how much can they earn in total?Almost 350 billion Hong Kong dollars!That's about $45 billion! In 6 years, the net profit was 45 billion Hong Kong dollars, and the investment was 14 billion Hong Kong dollars.What is the ROI on this?Is it close to 400%?Doesn't this earn much more than the interest?
Then, of course, Jia Hongjian still "tossed" about among the three banks. After comparing with each other, he found that the Bank of China was more powerful, so he finally chose the Bank of China for the loan.After getting a loan from the Bank of China, it will take a while. However, Jia Hongjian has started to pay attention to the stock market in the United States in advance.He collected news from the past few months.I looked at it intensively.
It turns out that after the stock market crash in the United States, the Federal Reserve headed by Greenspan has already started to act, habitually using interest rate tools as the main means of adjustment.However, this method did not play a big role in this Internet bubble. As a result, its idea of reining in the stock market before the cliff of collapse was not achieved, and even the so-called high-tech Nasdaq After the industry-intensive stock market crashed, the downward trend all the way affected the decline of the Dow Jones Index, which is mainly based on traditional industries.
Originally speaking, this Nasdaq would be without the existence of Soros.It may not be so unlucky-it's not that Soros attacked Nasdaq on his own initiative, but because of Soros they first attacked the British pound, and then came to engage in Southeast Asia, and after Japan and South Korea were implicated.There are not many markets in the world that are suitable for investment, okay?China has not yet fully joined the WTO, and it is not too open to foreign investment. Brazil is still messing with itself, and it is far from becoming a BRIC country.So all of a sudden, investors all over the world thought of the United States as the best choice for investment. Originally, this approach, from the perspective of conspiracy theory, was also the purpose of Clinton and others. When Clinton came to power, his campaign slogan was To improve the economy!In the 90s, the oil crisis made life difficult for the United States!
What Bush Sr. did was to fool Saddam into attacking Kuwait, turn his face and deny anyone, and directly sent troops into the Middle East, and stationed troops in Saudi Arabia and other countries.As for Clinton's approach, it is to push new technologies such as the Internet to become a new trend of development.After suppressing or harvesting Southeast Asia and other places, the global idle funds will definitely enter the United States, and the influx of a large amount of idle funds will definitely stimulate the further development of the US economy!
But too much money has come in. After everyone came here to speculate in Internet stocks that have been popular for several years, it suddenly became like the Great Depression in the United States in 29 years—when street vendors began to discuss buying Internet stocks to make money. At that time, the stock is likely to fall.At this time, if the U.S. Federal Reserve directly intervenes in the market like the Hong Kong government, and directly supports the market, the problem may not be serious.However, Greenspan and the others in this era are still accustomed to using interest rate means to adjust. As a result, after raising the deposit rate, ordinary investors in the United States did not say that they would withdraw their stock market funds and deposit them in banks. Instead, they were fooled by various securities institutions into thinking that This is just a temporary shock and consolidation, and many people have even borrowed money to speculate in stocks!At this time, the overall savings rate in the United States has dropped from 0% to 4% a few years ago to a negative number!In other words, on average, people in the United States have no savings at this time, and they all have foreign debts!
However, the directional fundraising of Sinopec and PetroChina is actually just selling stocks like various rich companies.It is said that the scope is limited, but it is just not for those who are not strong enough to buy it.For example, this time, in addition to looking for the Jia family of Huaxia Hi-Tech, they also found Li Ka-shing and his Li family, and then there are some stock gods Buffett, Goldman Sachs Investment, and a group of oil giants-Erickson Mobil Petroleum, BP Petroleum , Shell, etc.These conglomerates and millionaires who were brought in were called "global strategic investors" by Sinopec.
By the time Sinopec came to find Jia Hongjian and the others, more than half of the stock had already been sold—the three oil companies alone had bought more than half of the stock, okay?Everyone knows that Sinopec has a near-monopoly position in such a huge market in China. Is it stupid to invest in Sinopec without establishing a good relationship with it?
Then, Li Ka-shing bought 167 million US dollars of shares, but Buffett didn't buy Sinopec because he was more optimistic about PetroChina.In this calculation, a total of 1.6 billion h shares of Sinopec stock are priced at 267.2 Hong Kong dollars per share, and the total market is 140 billion Hong Kong dollars.The three oil companies ate 120 billion Hong Kong dollars in stocks, and there are 7.8 billion left.Li Ka-shing bought 110 million U.S. dollars, or almost 120 million Hong Kong dollars in stocks, leaving a little over [-] billion Hong Kong dollars, which is almost [-] billion in RMB.
Jia Hongjian promised to buy all the 120 billion yuan in stocks, and then he started looking for a bank to prepare a loan.The bank syndicate Jia Hongjian was looking for this time was not a domestic bank syndicate. After all, what he wanted to borrow was in US dollars, and he also wanted to buy stocks from the United States.It was about finding a bank loan, so Jia Hongjian approached three note-issuing banks in Hong Kong to discuss this matter.This is also quite strange to say.It was obviously their Huaxia Hi-Tech loan, but instead of him coming to the door for consultation, he called three banks to come to him for consultation.
Soon the three banks came separately, and the first to come was HSBC.Speaking of which, HSBC is actually quite interesting. Their English name of HSBC Bank is hsbc. In fact, if the whole English name is literally translated into Chinese, it is "Hong Kong, Hong Kong, Shanghai and Shanghai Co., Ltd.".That's right.It is such a humble name, and such a humble name is a bank established in Hong Kong by an Englishman at the end of the 19th century.
The treatment given by HSBC is very good, with 2.15% interest and two years of penalty interest.5% in the first year and 2.5% in the second year.The meaning of the so-called penalty interest is very simple, that is to say, if the loan is repaid in advance, in order to protect the interests of the bank, it is necessary to give people extra money according to the interest of the "penalty interest", that is, the penalty interest.For example, a loan of 100 million yuan was originally agreed to be exchanged for ten years.How much is changed every month, and then after two years of repayment, I suddenly asked to pay it off at once.So for the bank, although it has been repaying the principal and interest in the past two years, the interest is really not enough, so it needs to pay a total of two years of penalty interest, which is 5% in the first year and 2.5% in the second year. Additional interest of [-]% p.a.
Regarding this, Jia Hongjian didn't have any objection, because he didn't think that he would pay it all back within two years.To be honest, the treatment that HSBC originally gave was quite good.But Jia Hongjian still wanted to do some shopping around, so he called Standard Chartered Bank to find out.The second Standard Chartered Bank who came here, the overall quotation is quite favorable. It can even be said that the overall quotation is similar to that of HSBC. It is also an interest rate of 2.15 and a two-year penalty interest.5% in the first year and 2.5% in the second year.However, in addition to these, the Standard Chartered Bank gave another discount - naturally after Jia Hongjian proposed that the price offered by HSBC Bank was the same as Standard Chartered.Standard Chartered expressed its willingness to offer 0.2% cash rebate!Of course, the so-called cash rebate of 0.2 does not mean real cash, but is equivalent to an interest adjustment-the so-called cash of 0.5% is the amount that the bank will offset the small money to be exchanged in the end , so it can be understood as a reduction in interest rates!
This treatment can be given even better!Then Jia Hongjian said that he had to think about it, and then he sent the people from Standard Chartered Bank away.In the end, of course he will find a third bank, which is Bank of China Hong Kong. The Hong Kong branch of Bank of China is not small.At the same time, because Bank of China fully competes with Standard Chartered and HSBC in Hong Kong, the price is quite impressive.Also at the beginning, it was 2.15 interest and 2-year penalty interest, but in addition, after knowing that Jia Hongjian and the others had received the "cash back" from Standard Chartered, the representative of the Bank of China hurriedly asked Hong Kong for instructions. The leader of the branch in Hong Kong came directly and said to Jia Hongjian in a low voice: "Mr. Jia, our bank has agreed. If you come to our side for a mortgage loan, 20 billion US dollars will be given to you as you said before." In addition to the interest rate, plus 0.5% cash back, while eliminating the penalty interest..."
Yo!If you listen to it this way, this Bank of China is still awesome!Of course, the most important thing is that the current economic situation in Hong Kong is not very good, and the overall situation is still in the process of "structural transformation". The Huaxia High-Tech Building has already been built, and they have already started attracting investment. In addition, Huaxia High-Tech originally had a lot of deposits in the mainland.Considering their credit and future trends, it obviously doesn't look like they will do badly!So from this point of view, the loan to Huaxia Hi-Tech is not a big risk!And because the loan amount is very large, even if the interest rate is low, the amount of interest they receive every year is quite a lot!
Even if the annual interest rate is only 2.15, a loan of 20 billion US dollars will last for 10 years, and the interest of 4300 million US dollars will be repaid every year. The ten years will add up to 4.3 million US dollars in interest!A stable profit of 4.3 million US dollars in ten years, although the profit may not seem to be much for the bank, but the advantage is that the risk of stability is small!Banks only charge high interest rates for subprime loans, that is, for those loans with high risks!As for Jia Hongjian, the annual interest of 4300 million US dollars is not included in the so-called cash rebate.Then the monthly loan repayment is less than 360 million US dollars.This is drizzle for Huaxia Hi-Tech, and even for the Jia family!Not to mention anything else, just the small amount of dividends that Sherlock Holmes distributes to the Jia family every year after the re-privatization of the company is enough to repay the loan!So the price is absolutely right!
At the same time, according to Jia Hongjian's own forecast, it is estimated that 120 or 14 million US dollars would be enough to privatize Holmes Company again.The remaining [-] billion US dollars of funds.Can't we still use it to make money?Can't we still invest in Sinopec?The stock price of Sinopec is less than [-] billion yuan. If converted into US dollars, it is more than [-] billion US dollars!So on the whole, that really is just enough!If it is not enough, Jia Hongjian can temporarily borrow tens of millions of dollars from Olson of ams or even Bill Gates to invest in it!
Then after a few years, the price of Sinopec's stock soared all the way.If Jia Hongjian remembers correctly, around 07, Sinopec's H-share share price could rise above HK$6!At that time, even if one share earns 5 Hong Kong dollars, Jia Hongjian's family will probably eat 70 billion shares, so how much can they earn in total?Almost 350 billion Hong Kong dollars!That's about $45 billion! In 6 years, the net profit was 45 billion Hong Kong dollars, and the investment was 14 billion Hong Kong dollars.What is the ROI on this?Is it close to 400%?Doesn't this earn much more than the interest?
Then, of course, Jia Hongjian still "tossed" about among the three banks. After comparing with each other, he found that the Bank of China was more powerful, so he finally chose the Bank of China for the loan.After getting a loan from the Bank of China, it will take a while. However, Jia Hongjian has started to pay attention to the stock market in the United States in advance.He collected news from the past few months.I looked at it intensively.
It turns out that after the stock market crash in the United States, the Federal Reserve headed by Greenspan has already started to act, habitually using interest rate tools as the main means of adjustment.However, this method did not play a big role in this Internet bubble. As a result, its idea of reining in the stock market before the cliff of collapse was not achieved, and even the so-called high-tech Nasdaq After the industry-intensive stock market crashed, the downward trend all the way affected the decline of the Dow Jones Index, which is mainly based on traditional industries.
Originally speaking, this Nasdaq would be without the existence of Soros.It may not be so unlucky-it's not that Soros attacked Nasdaq on his own initiative, but because of Soros they first attacked the British pound, and then came to engage in Southeast Asia, and after Japan and South Korea were implicated.There are not many markets in the world that are suitable for investment, okay?China has not yet fully joined the WTO, and it is not too open to foreign investment. Brazil is still messing with itself, and it is far from becoming a BRIC country.So all of a sudden, investors all over the world thought of the United States as the best choice for investment. Originally, this approach, from the perspective of conspiracy theory, was also the purpose of Clinton and others. When Clinton came to power, his campaign slogan was To improve the economy!In the 90s, the oil crisis made life difficult for the United States!
What Bush Sr. did was to fool Saddam into attacking Kuwait, turn his face and deny anyone, and directly sent troops into the Middle East, and stationed troops in Saudi Arabia and other countries.As for Clinton's approach, it is to push new technologies such as the Internet to become a new trend of development.After suppressing or harvesting Southeast Asia and other places, the global idle funds will definitely enter the United States, and the influx of a large amount of idle funds will definitely stimulate the further development of the US economy!
But too much money has come in. After everyone came here to speculate in Internet stocks that have been popular for several years, it suddenly became like the Great Depression in the United States in 29 years—when street vendors began to discuss buying Internet stocks to make money. At that time, the stock is likely to fall.At this time, if the U.S. Federal Reserve directly intervenes in the market like the Hong Kong government, and directly supports the market, the problem may not be serious.However, Greenspan and the others in this era are still accustomed to using interest rate means to adjust. As a result, after raising the deposit rate, ordinary investors in the United States did not say that they would withdraw their stock market funds and deposit them in banks. Instead, they were fooled by various securities institutions into thinking that This is just a temporary shock and consolidation, and many people have even borrowed money to speculate in stocks!At this time, the overall savings rate in the United States has dropped from 0% to 4% a few years ago to a negative number!In other words, on average, people in the United States have no savings at this time, and they all have foreign debts!
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