In Hong Kong, we build a global business empire

Chapter 25 Happy cooperation
Following Manager Zhang, Lin Haoran soon arrived at the chairman's office of Hang Seng Bank on the third floor.

As he walked into the room, his eyes immediately fell on Chairman He Shanheng, who was sitting behind his desk, looking solemn and kind.

"Uncle He, hello! I'm sorry for disturbing you with your sudden visit. Please forgive me." Lin Haoran said as a junior.

This Uncle He is not only a leading figure in the industry, but also an old friend of his father. Whenever he came here with his father, he always addressed him as "Uncle He", so they have some friendship.

He Shanheng is 79 years old this year. The years have left deep marks on his face, and his silver hair looks particularly dazzling under the light.

However, Lin Haoran knew in his heart that this seemingly old man actually possessed extraordinary vitality and wisdom.

As far as he knew in his previous life, Mr. Ho Sin Hang would continue to lead Hang Seng Bank until he passed away peacefully at the age of 97.

"Xiao Lin, you came to see me specially, is there anything you need help with?" After Lin Haoran sat down, He Shanheng asked curiously with a warm smile on his face.

He had just finished a busy work meeting and was about to take a break when Manager Zhang from the headquarters lobby came hurriedly to report that Lin Haoran wanted to see him.

At first, he thought he had misheard. After all, as far as he knew, this young man had just graduated. Why would he come to him, an old man in the banking industry, for business?

But after Manager Zhang's confirmation, his doubts were dispelled, and were replaced by full curiosity and anticipation.

"Uncle He, I want to discuss a cooperation with you." Lin Haoran said seriously.

"Oh? What kind of cooperation makes you come to me?" He Shanheng was slightly surprised, with a slight smile on his face, thinking that Lin Haoran was joking.

"Uncle He, I want to ask you for help with something. This matter is very important to me. I hope that you can keep the content of our conversation today, including the cooperation intention I will propose next, strictly confidential, even to my father Lin Wanan. Uncle He, can you agree to my request?" Lin Haoran looked at He Shanheng seriously.

He knew that this request was of great importance and would affect the smooth progress of his carefully prepared plan. Therefore, he urgently needed Ho Sin-hang's promise as a guarantee to ensure that the content of the conversation would remain absolutely confidential.

After all, once this matter is leaked, especially if it is known by his father Lin Wanan, it is likely to cause a series of unnecessary interference and misunderstandings, which will in turn have an immeasurable impact on his subsequent plans. Therefore, Lin Haoran looked at He Shanheng expectantly, waiting for his answer.

Before obtaining sufficient benefits from Hutchison Whampoa, Lin Haoran had no intention of revealing to his father Lin Wanan the fact that he had already controlled a huge amount of money.

Seeing Lin Haoran make such a serious request, He Shanheng's eyes couldn't help but flash with curiosity.

He smiled slightly, and his tone revealed a bit of curiosity: "Xiao Lin, since you are so serious, then I promise you that I will keep the content of our conversation today a secret, and I will not even reveal a word to your father Lin Wanan. Now, you can speak with confidence. I am very curious about what important things you want to discuss with me."

Seeing He Shanheng say this, Lin Haoran felt relieved.

He directly took out the stock receipt of Qingzhou Yingni, which owned 12% of Qingzhou Yingni's stock certificates.

"Uncle He, I want to use these six million shares of Qingzhou Cement as collateral to borrow HK$30 million from Hang Seng Bank." Lin Haoran said solemnly.

"How did you raise such a huge amount of Qingzhou Cement shares?" Ho Sin-heng looked at the stock certificates in his hand, his voice revealing disbelief and deep shock. He knew very well that the market value of these six million shares of Qingzhou Cement was enough to serve as a solid backing for a loan of HK$30 million.

However, what puzzled him was that Hang Seng Bank had a close cooperative relationship with Wan An Group and was well aware of the financial situation of Wan An Group.

In this context, how did Lin Haoran quietly raise such a huge amount of stocks?
Thirty million Hong Kong dollars, this number weighed heavily on his mind. Even a financial giant like him had to admit that this was an astonishingly large sum of money.

He understood that even for those famous and wealthy businessmen in Hong Kong, it was not easy to come up with such a large amount of funds.

Therefore, Lin Haoran's move undoubtedly caused ripples in He Shanheng's heart, making him full of curiosity and eager to uncover the secret behind it.

However, Lin Haoran certainly had no intention of explaining it to him in detail.

"Uncle He, regarding the source of the stocks, that is my personal little secret. I'm afraid I can't share it with you now, but I believe there will be a chance for you to know it in the future. As for this loan, you think it shouldn't be a big problem, right?" Lin Haoran asked confidently with a smile on his face.

He Shanheng nodded slightly to show his understanding. "Of course, no problem, Nephew Lin, if you are willing to use these 12% of the stocks as collateral, I can immediately approve a loan of million Hong Kong dollars for you. However, I want to know how long you plan to borrow money for?"

At this moment, He Shanheng's face was filled with a more cordial smile, and the way he addressed Lin Haoran also quietly changed from "Little Lin" to "Nephew Lin". This subtle change revealed his recognition and respect for Lin Haoran.

"I plan to take out a two-year loan, Uncle He, and I hope to pay it off in one lump sum after two years. Do you think this arrangement is feasible? In addition, regarding the loan interest rate, I wonder how much discount Uncle He can give me?" Lin Haoran sincerely put forward his needs.

He Shanheng pondered for a moment, his eyes gleaming with thoughtfulness.

In the financial industry, large companies often enjoy more favorable loan interest rates. Therefore, after weighing his relationship with Lin Haoran and the particularity of this loan, he offered a rather attractive condition.

"Nephew Lin, since we are acquaintances, I will naturally not let you suffer any loss. Regarding this two-year loan of 5 million Hong Kong dollars, I propose an annual interest rate of 10%, which means a total of 3300% interest over two years. You will need to repay million Hong Kong dollars upon maturity. Such terms can be said to be quite favorable in the industry. What do you think, nephew?" He Shanheng's words were full of sincerity. He believed that such terms were enough to demonstrate his trust and support for Lin Haoran.

It’s the same interest rate as that of Yu-Min Financial Company, which is acceptable. After all, Hang Seng Bank is a formal bank, and this interest rate is already very good.

"No problem, let's sign the contract according to these conditions. I hope the funds can be in place as soon as possible, preferably transferred to my account today." Lin Haoran agreed readily. He was very satisfied with the loan terms with the same interest rate as Yumin Financial Company and a longer term.

He believed that it would be easy for him to pay off the HK$33 million within two years.

The reason why he wanted a two-year loan was because he didn't want to be under too much pressure after the loan from Yumin Financial Company expired.

"Nephew Lin, since you are so straightforward, I will not delay any longer. I can approve this loan and ensure that the funds will be received within today. Now, I will have someone prepare the contract immediately." He Shanheng's smile was full of satisfaction and appreciation.

"Uncle He, happy cooperation!"

"Happy cooperation!"

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(End of this chapter)