Yin Jun has often heard people say that real businessmen basically do business with their own money. Pen % fun % Pavilion www.biquge.info

They won't do as much as they do with the same amount of money as ordinary people.

They usually dare to do something for ten dollars when they have a dollar.

How?

Of course, it is a loan from various banks and financial companies.

In his previous life, Yin Jun resolutely did not dare to borrow money to do things, so he did not take out a loan to buy a house, so naturally many girls were unwilling to continue to go on a blind date with Yin Jun after hearing it.

But in this life, since the beginning of business, Yin Jun has been borrowing money.

His loans were all from the Xiangjiang Commercial Bank, and he has already loaned out 160 million yuan, not including the $20 million credit guarantee he asked the Xiangjiang Commercial Bank to make with Citibank. - In fact, 3 million US dollars have been paid to Lucasfilm, so it is equivalent to Yin Jun owing about 15 million Hong Kong dollars to Xiangjiang Commercial Bank.

Xiangjiang Commercial Bank is backed by Pangu Bank, which has very abundant capital reserves, and Mr. Chen's friends are all over the world, and it is not a problem for Mr. Chen to mobilize 10 billion Hong Kong dollars in one sentence.

So they never worry about lack of money.

But Yin Jun alone took out a loan of nearly 200 million Hong Kong dollars from them, but the collateral was only a piece of land and 20 scripts, which made the board of directors quite disagreeable.

Of course, this is not possible in the mainstream.

Whether it is Chairman Chen Youhan or Managing Director Kang Xinyuan, they are very optimistic about Yin Jun.

And the rising price of Tin Shui Wai land has also become the best evidence to prove their vision.

It is said that there are now more than 20 large and small real estate developers, all of whom want to buy the land in Tin Shui Wai, and even if someone has opened it to a price of 30 or even 40 per square foot, the Zhao family is not at all impressed.

According to internal sources in the Zhao family, they are in no hurry to sell the land now.

On the one hand, the Zhao family doesn't have much land, that is, about 200 hectares, and he doesn't have much to sell it for.

Second, the Zhao family is waiting for Derun Group and Yin Jun's development.

When the land is developed in both directions, it will not be 350 at that time, at least 780, or even 100.

At that time, whether it was selling or developing it themselves, they were at ease.

Seeing that Yin Jun's land continues to increase in value, what do they have to worry about?

But Yin Jun did not stop there, he came to the Heung Kong Commercial Bank again, wanting to apply for a loan again.

It's just that this time he didn't take the land, but the shares of Wharf and Cheung Kong Group in his hands.

Yin Jun has 14.6 million shares of Cheung Kong Group, which is about 90 million in market value according to the average value of each share.

Wharf Yin Jun has 1 million shares, but the market value of Wharf is much higher.

Although at the beginning of this year, the performance report showed that Wharf's profit was not as good as expected and fell partially, but now with the continuous boom of real estate, Wharf, which has a large land bank, has naturally risen to 40 Hong Kong dollars per share.

So the market value of Wharf shares in Yin Jun's hands is 40 million Hong Kong dollars.

The total number of stocks in his hand is 130 million, which seems to have almost offset his loan.

This is also one of the reasons why Kang Xinyuan is very optimistic about Yin Jun's change of attitude.

Yin Jun's two loans were for the purchase of these two stocks, but the two stocks themselves belonged to Yin Jun's private property and had nothing to do with the loan, so Yin Jun could use these two stocks as a mortgage.

This kind of loan method can be said to be a bit opportunistic, and it can also be said to be a big gamble.

Yin Jun has also seen this kind of cumulative investment method in many cases.

For example, I have a house in my hand, and then I take out a mortgage of 1 million to buy a second house in full, and then I mortgage the second house to buy a third house...... And so on until eight out of ten.

During the whole process, in fact, what I paid was the first house, and the rest of the money was all bought through borrowing, and then what I had to bear was the loan interest for these ten sets of eight houses.

When the price of the house went up, I sold the last one, and the money I earned paid the interest on the loan and offset part of the loan.

When the price of the house rises again, then I sell the penultimate unit to offset the interest and loan principal again.

After three or five times in a row, my loan was paid off, and I had two or three, or even three or five houses, left in my possession.

That's cool, right?

Like an empty glove white wolf?

Many people in the mainland have made a lot of money in real estate by relying on this set.

But there is one thing, and the most important prerequisite, is that you have to make sure that in three or five or even seven or eight years, the price of real estate has been going up, and there has been no sharp fall.

Only then will you be able to earn the difference in price through the value of the price increase, and earn several houses.

Obviously, many people in Beijing, Shanghai, Guangzhou, and Shenzhen, and even many second- and third-tier cities, have encountered such a good time when real estate only rises and does not fall for more than ten years, so they make money.

If something like this happened in Japan in the 90s, or in the United States around 2008, or even in Xiangjiang around 1997, then ......

Like the horror and tragedy of dumplings on the rooftops around the Shenzhen Stock Exchange back then, there will definitely be no less stage.

Yin Jun is now using a similar method.

Use the principle of leverage to leverage loans, so as to obtain more wealth.

Yin Jun has never been reckless, and the reason why he did this is because he knows that it happens that the real estate and stocks in Xiangjiang have risen wildly in recent years, especially the land and companies he values.

Therefore, Yin Jun dared to invest so much.

Chen Youhan has long heard of Yin Jun's comic industry, and now he sees him applying for a mortgage, but he really wants to do the comic industry, and he doesn't feel a little headache.

"Ah Jun, you are now working as a screenwriter for movies and TV series, and you are working in the stock market, and then you are also investing in the real estate market...... Now that you're about to enter the comics industry on a large scale, are you busy?" Chen Youhan asked Yin Jun.

Of course, he was kind-hearted, and he was worried that Yin Jun would end up with a lot of things that he couldn't do well because he was greedy.

You must know that after Chen Youhan came to Xiangjiang, the person he admired and was most willing to support was Yin Jun.

He hopes that Yin Jun can become a super-rich man with his support, so that his father and younger brother can see that although his business talent is not so amazing, his vision of people is still integrated with the tradition of the old Chen family, which is absolutely first-class.

Therefore, Chen Youhan didn't want to see Yin Jun fail the most, so he persuaded him.

Yin Jun naturally has a lot of respect for this banker who selflessly helps him, and he also needs his help in terms of loans, so the young man can talk to him in a little more detail.

"Uncle Han, I do stock investment and real estate investment, in fact, for me to be my own entertainment and media empire. Yin Jun said, "So what I really want to do is the script writing of movies and TV series is the beginning, and the real first step is this comic industry." I needed it to cover the whole Asian culture scene and get them used to finding joy in my comics. In this way, a strong cultural propaganda will be formed, so that they have a greater sense of identity with our culture, and when I make movies and TV series in the future, it will complement each other with this comic and achieve twice the result with half the effort. ”

Yin Jun didn't say that the real beauty of the comics industry is not only in its comic sales, in fact, it is all small profits.

The most lucrative part of the comic book industry as a whole is its merchandise, which can cover literally every corner of life – if you're famous enough.

For example, I can wear cherry maruko or Shin-chan when I wear clothes, I can wear Naruto when I wear shoes, the water cup I use can be a portrait of Abu-sama, and the pillow I sleep on can be a portrait of Limpoli...... With the development of all aspects of life, it is a big industry.

And then what limited souvenirs, all kinds of special production versions, etc., are specially to loot the money of the children of the rich, and they will happily say that it is worth it.

The best comics can also be made into animations that are sold all over the world, and an episode can earn millions, tens of millions, just like playing.

There is also an annual version of the big movie, which can be counted tens of millions of dollars every year, what's so bad?

There are even more powerful comics, such as the live-action movie "Transformers", which can't even count the money!

With such a broad and beautiful prospect, it is useless for Yin Jun and Chen Youhan to say so, and it is impossible to say so.

Keeping one's own secrets from the future is much more important than convincing someone.

So, Yin Jun was just talking about media and entertainment.

Chen Youhan actually agrees with Yin Jun's understanding.

Historically, Huaguo's culture has been so moisturizing and silent, and Yin Jun's ability to think of a multi-pronged approach to the cultural and entertainment industry is itself a kind of foresight.

"But do you have any experience in making comics? and you said that you would sell 5 million copies, which made many people laugh at you. Chen Youhan said a little worriedly.

"It's the first time I've made comics, but the core of comics is storytelling, don't you trust my storytelling ability, Uncle Han?" Yin Jun said, "What's more, I also invited more than 40 famous masters from Huhai Fine Arts Film Studio, and their art skills have not dared to be better than them in Asia several times." ”

"You also invited them here?" Chen Youhan was originally a knowledgeable person, and he was shocked when he heard this, this is something that the outside world does not know.

Unexpectedly, Yin Jun quietly invited the elite of Huhai Art Film Studio to come, this is an incredible art animation talent!

He is also the one who has watched Old Man Wan's "Havoc in Heaven"!

"Well, we made an agreement with them that I could invite people over as much as I needed them. Yin Jun bragged, "If these people really can't do it, I'm going to invite Wan San Ye and Wan Si Ye over." You can't trust them?"

"Sins and sins, the old man is so old, why are he still tossing back and forth? Chen Youhan hurriedly said, and then his face was full of relief: "Huang Yulang and Shangqi Xiaobao are characters in Xiangjiang, but their screenwriting ability is not as good as yours, and their painting ability is even less likely to be than the famous masters of Huhai Art Film Studio...... Ah Jun, you really do things calmly and steadfastly!"

Speaking of which, Chen Youhan no longer has any doubts about Yin Jun's comics.

What he is pondering now is whether Yin Jun can reach the 5 million copies per issue he declared.

If it's really as Yin Jun said, I don't dare to say 5 million copies, one or two million copies, shouldn't it be a problem? )