Chapter 64 Loans
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The day after persuading the students to quit, Yang Rui went to Zhong Guanguan to talk to Wang Jitong, and they also agreed with Yang Rui's approach, after all, they are students, and those who are full of enthusiasm may not be able to persevere to the end, and the revolutionaries of the Revival Society are better to be rational. After talking about the students, Yang Rui also mentioned the matter of the coal mine, Wang Jitong is not interested in business and other things, but he is good at mathematics, Yang Rui let him count on the side, Zhong Guanguan has absolute trust in Yang Rui in business, but the MSG factory is not the two of them, and several other people still have shares, these preliminary information is taken out to convince them, Zhong Guanguan is in charge of Yu Huizu and Mr. Huafeng, Yang Rui went to find Brother Ade.
ABN AMRO is on Huangputan Road, and even the location is the same as that of later generations, except that the Peace Hotel has not yet been built, and it is only a small three-story building. Yang Rui suddenly wondered if he would also find a place to build a building that would amaze future generations in this future financial street. It's really funny, people who couldn't afford to go to the toilet in Shanghai before, now think about buying a house.
Yang Rui didn't wait long downstairs before Brother Ade came down, his face full of smiles, and he didn't know if he was very satisfied with the profitability of the MSG factory. He led the way and took Yang Rui to his office - he was the head of the bank, and he was always well treated. He smiled: "I didn't expect Cheng Cheng to come to me today, haha, I don't know what kind of wind is blowing." Didn't you say that you went to Japan some time ago and came back so soon? ”
Adego is still quite right, although he hasn't said much. He gives the impression of being shrewd and calculating, but reliable, of course, a commercial reliability, not a brotherly reliability. Yang Rui said whatever he wanted, and said immediately: "I, I'm here to talk to you." I haven't had any money to spend lately, so I've come to you to ask for some money to spend. ”
Brother Ade laughed when he heard this, and said: "I still believe that others have no money, so don't coax me if it turns out." Did you go to Japan to see the fair, and how was the match thing? "Brother Ade doesn't know why, probably because he saw that the business of Meicha's Suichang Match Company was so good that he paid attention to this.
Yang Rui didn't answer his feather, and said bluntly: "I really have no money, I want to borrow 100,000 yuan, do you think it's okay?" "Yang Rui wants to deal with personal matters, and then talk about the coal mine, the coal mine can be opened at any time, but wireless telegraphy does not wait for anyone.
Seeing that he seemed to be telling the truth, Brother Ade held his mouth and said: "Oh, if you don't say the share of the MSG factory, you can make a lot of money just by publishing books, why do you need 100,000 yuan?" ”
There must always be a reason to borrow money, and the bank is easy to evaluate, but you can't tell the truth, just say one. Yang Rui said: "The money is not enough to spend, this money is going to let that McNeil go to the United States to see, what industry to invest in, now there are people over there building cars, I want to send him to see if there is a chance." ”
"Cars? "Adego cars have seen it, and the year before last, foreigners got it, and nothing happened to drive in the concession, which is very windy." Adege wanted to ask what this money was for, whether Yang Rui was going to leave everyone's fortune behind, but he said that it was a car, and he didn't want Yang Rui to be as familiar with this thing as a person like Yang Rui who had been mixing in Europe and the United States since he was a child, so it felt better not to touch it first. He said: "100,000 yuan is not a small amount, but how long do you want to borrow?" This mortgage ......"
Yang Rui had already thought about this, and said: "It's best to borrow for one year, not for two years, mortgage, just use my shares in the monosodium glutamate factory." "Now the only value in my hand is the shares of the monosodium glutamate factory, which is only a handful of eight characters, and it will not start until next month.
There is no problem with such a mortgage, and if you change someone, Adego must persuade him to take out more loans and borrow longer. But with his understanding of Yang Rui, the value of this person is not in the MSG factory, but in the mind, shrewd, capable and well-informed, as soon as the matter is in hand, he understands it, and when he thinks about it, he has ideas, the MSG factory is nothing, and it is the best choice to keep friendship with such a person. Years of experience as a comprador have honed him very well. He persuaded: "It's done, this fork is something that has just come out, and isn't it very risky to be far away in the United States, if there is really any risk, it will not be easy to do?" ”
Yang Rui was originally looking for an excuse casually, but when he saw that he was quite concerned, he said: "Brother Ade, don't worry, I will be careful." I can't afford to lose. You'd better help me see when I'll get the money."
Seeing Yang Rui's insistence, Brother Ade is not easy to persuade again, if you are not familiar with talking like this in the business field, you will be hated by others - what does it matter to you? Shall I be the Governor of Hong Kong?" he said, "This is a very good thing, have you brought your share papers?" ”
Yang Rui nodded and gave him the paperwork. Brother Ade flipped through it, said to the people outside, and then came in and said: "I asked people to prepare the paperwork, the annual interest is as low as four percent, nine or eight percent, the time limit is one year, if one year is not enough, we can extend it." He was still afraid that something would happen to Yang Rui, so he added an extra insurance.
Seeing this, Yang Rui didn't say anything, but he understood in his heart, and just smiled slightly. Soon, the people below brought the paperwork, the text was in English, Yang Rui signed it after taking a closer look at it, and Brother Ade also stamped and signed it, it is estimated that the 100,000 yuan is still within the rights of his general office, no wonder he jumped from Daosheng Bank to this bank that even rents offices from others.
After all the formalities were completed, Brother Ade gave Yang Rui ten cash checks that could be cashed at sight, which was different from opening an account in later generations, this routine was a bit like that of a money bank. Yang Rui looked at the check and smiled and said, "Brother Ade, you have a lot of rights, the 100,000 yuan was done so quickly, and I thought it would take two or three days." ”
Brother Ade was very proud, when he came over last year, the ABN AMRO was still preparing, even now it is only an office and not a branch, but the Netherlands has no strong capital in China, and the bank's senior management does not know anything about China's situation. However, he was proud in his heart, but he still said modestly: "The foreigners above are easy to talk to, but they are not familiar with it here, and there is no way." He changed the subject and said, "Okay, it's time to talk about the factory."
Yang Rui was about to talk to him about the coal mine, so he said: "What is there to say about the factory, that is, the goods will never be enough to buy, don't worry, five sets of equipment have been ordered, and this year is enough." The chlor-alkali plant will arrive soon, and it will be ready for production. There's not much to say about that. I have one more thing to tell you today. You look at this first. Yang Rui handed him the coal mine investment plan that had been sorted out before.
Brother Ade actually wanted to set up a match factory, and he had been counting on going to Japan to buy equipment and coming back, but when he took the things over, he saw that they were from the coal mine, so he continued to look at them, and the more he looked at them, the more solemn his face became. He knows about coal mines, they are all projects where foreigners and adults are making a lot of money, and everyone wants to get into this thing, but few people dare to touch it. The text is only two pages, which is very short, but Adege read it for more than ten minutes before reading it. He put down the text and asked, "Lord Zhang, are we sure what we are talking about?" ”
As soon as you speak, the biggest problem with this mining is that there are people on it, and it's okay in this concession, but if you go out of the concession to run a mine, you don't know how to die. Yang Rui still has some grasp of this matter, after all, he had a very happy conversation with Zhang Jian last time, and they admired each other very much, and this coal mine is not a bad thing, Zhang Jian is completely fame and fortune, that is, he has less money and does not enter large shares, and small shares should also be entered. At the moment, he said: "He went to Japan to come to me for the chlor-alkali factory to use salt, but I didn't talk about this later, he arrived in Tokyo Yu Zixun was in charge of greeting, if it was right, he had a good impression of us." And I think he wants to save the country through industry, before this coal mine, there was a Kaiping coal mine in the Qing Dynasty, but now there is no one, if he can run a successful one in Jiangnan, then the imperial court's opinion of him will be ......"
Brother Ade thought deeply of Yang Rui's answer, although this Zhang Jian said that he went to the sea to do business, but after all, he was still an official figure, it is said that even Emperor Guangxu was very praised, if he could help the court breathe a sigh of relief after the court was pitted by foreigners, and drive this Kaiping coal out of the south, it must be a great joy for the king. Since there is no problem with the official situation, then it is whether this profit can be realized, Adege said: "Actually, this coal mine has sent people to find foreigners to see, what is the quality of coal and what is the reserve?" ”
This thing has never been done at all, but in later generations he heard about coal for the first time in Changxing Coal Mine, which can be roughly divided into four types: gas, fertilizer, coke, and thin, and the others are lignite and the like. This Changxing coal is gas coal, not suitable for coking, but suitable for thermal coal, similar to Pingxiang coal, if you want to coke, you have to mix with fertile coal, as for the fertile coal China is in the Northeast, Shanxi and other places, it seems that Kaiping coal is fertile coal. Although it is not suitable for coking, most of the coal imported now is used for power, and this Changxing coal is just right. Yang Rui said: "Some time ago, I just looked for a few Americans, and the coal is not as good as Kaiping's, but it is not worse than Ping's coal, and it is not difficult to mine." "It's really hard to say anything, so I have to lie first.
Brother Ade knew that Yang Rui's subordinates had several foreigners to help with things, and the telegram that could be wireless was made by them, once he saw it in the instrument hall, he was really surprised, this telegram could also be reported wirelessly, it was really incredible. It's just that the fly in the ointment is that the distance of teleportation is too close, just more than ten miles. This guy won't be borrowing money to study that thing, well, it's very likely, he's going to go to jail, and he has to participate in a share when he runs a factory anyway. Brother Ade didn't know how to think of the wireless telegraphy, the matter was not far from what he guessed, he couldn't help but nod to affirm his train of thought, of course, this move in Yang Rui's opinion thought that he had made up a lie about the Americans' inspection of the coal mine and was accepted.
Adego retracted his conjecture and returned to reality. In the text, Yang Rui wants to mortgage the coal mine, and the monosodium glutamate factory, including the chlor-alkali factory, guarantees a loan of 1 million yuan for the mining operation, in fact, he has secretly financed the chlor-alkali factory in the form of a post-dated check, but because the sales of monosodium glutamate are very good, the dealers around the country pay more deposits and prepayments, and the 500,000 only cost less than 200,000 yuan, and seeing that the output of monosodium glutamate has risen, the product is still in short supply, and the money can be returned in two months. Now another loan of 1 million, then if the money is only repaid by the MSG factory and chlor-alkali, it will be repaid quickly, and it will be repaid by the middle of next year, of course, there can be no accidents in the middle, especially the sales of MSG. Otherwise, with more than 100,000 yuan of MSG plant and more than 700,000 yuan of fixed assets of chlor-alkali plant, it would not be enough to pay 1 million yuan for the loan.
It's just that the sales of monosodium glutamate are booming now, and there are no bad signs - there is no food safety in this era, and the effect is better if the gang sells salt to add salt to monosodium glutamate, but this amount cannot be much, only accounting for 10%, but this percent of duty-free salt is sold to more than 7,000 tons, which is really a money-grabbing ah. The more Adege thought about it, he could only think of the good of the MSG factory, he fully believed that even if the coal mine was at a loss, only the MSG factory could fully pay the loan, of course, with his understanding of Yang Rui, the business of the coal mine was also the best thing, this is a master who does not see rabbits and sand eagles, and matches are so easy to make money that they have to back down and wait until the chlor-alkali starts, and they can produce potassium chlorate before they start, which is really bearable.