Starting From The Internet Shenhao

Chapter 409

After thinking about it, Chen Hao replied: “The assets I have now, in addition to this company, there is also a house I just bought. In contrast, the house is more valuable, Pengcheng Bay No. 1, More than 100 million.”

Lin Fei, who was pretending to be scribbling on the notebook, shook her hand, and dragged a long mark on the paper with the tip of the pen.

My own boss is really a “treasure”!

What kind of conditions does this family have to afford to buy a mansion worth hundreds of millions of dollars!

No wonder starting a company is the same as doing charity, and the money earned is not as big as the company’s expenses…

Manager Yang and Manager Gao looked at each other again and shook their heads slightly. It was not enough!

Even a one-billion-dollar mansion, plus 25 million U.S. dollars in cash, plus this game company, is worth 50 or 60 million U.S. dollars.

But if you want to use these to leverage an acquisition worth 300 million yuan, the risk is still too high!

Manager Yang asked tentatively: “I don’t know what industry Mr. Shen’s family is engaged in? Can the family business come forward to provide the guarantee? In this case, the risk control department of our bank will also be able to use this loan. It’s a lot easier.”

Before coming, they naturally did a survey on the lemon interactive entertainment game company of Chen Hao.

However, the results of the survey disappointed them.

This is a small company that has just been established for less than a month, and the company currently only represents a mobile game, not a big IP, just a common mobile game on the market.

As for financial income, since it is not disclosed, they will naturally not be able to investigate.

However, just looking at this game, there are only four servers currently open, so the income is not much higher than that!

Under normal circumstances, they would not come this time, because it is purely a waste of time.

But after learning about Chen Hao’s age, they still came, because such a young boss, dare to start a big acquisition worth hundreds of millions of dollars, must have something to rely on.

Generally speaking, the family background is very deep…

So Manager Yang wanted to ask, what exactly does Chen Hao’s family do.

Maybe someone has a Fortune 500 family company in their home…

Manager Yang and Manager Gao are both staring at Chen Hao, waiting for his answer.

Lin Fei also quietly raised her ears. The employees in the company were also very curious about Chen Hao’s family background. In private, everyone had gossip and guessed that Chen Hao must be from a large family, and either Mining, or there is a large group company!

Otherwise, I can’t explain where he got the money to start the company.

Hearing Mr. Yang’s question, Chen Hao smiled faintly and replied: “I don’t have any business in my family, and my parents are just ordinary people. It is even more impossible to provide any guarantee or collateral.”

Just kidding, I asked my dad to borrow 50,000 yuan to start a business, but my dad didn’t agree, instead he said that he had lost his meal.Now if he knows that he is going to borrow two or three billion dollars in loans, he won’t scare Dad to death…

Manager Yang was slightly disappointed. He originally leaned forward slightly with his upper body, leaning back on the back of the sofa, and said regretfully: “If it is only for these conditions, there may be a lot of trouble in the loan. Of course, if Mr. Shen can be able to Solve the funding problem yourself, then our bank is still willing to take over the business of buying consultants. In this regard, our bank is also at the top of the industry!”

This is nonsense.

If you don’t give a loan, then Chen Hao will not be able to hand over this business to HSBC.

Acquisition consultants and loans must be bundled together!

Otherwise, it is more difficult to obtain a loan from another bank alone!

Therefore, Chen Hao shook his head and said calmly: “I’m sorry, I can trouble you two for nothing. Or I will talk about this after a while. I will also raise funds here. By the way, Manager Yang , If I want to carry out such a large-scale acquisition smoothly, how much money I need here.”

Manager Yang understood what Chen Hao meant, and after thinking about it, Weiwei replied seriously: “If Mr. Shen can raise more than 100 million US dollars by himself, and allow the bank to send someone to supervise the entire acquisition process and after the acquisition, then our bank should There is a relatively high probability that they are willing to undertake this business.”

What he said, in fact, is not too much. For banks to issue such a large loan, they must monitor the flow of funds to ensure the safety of funds.

In addition, if Chen Hao can come up with 100 million U.S. dollars, then the bank will lend him another 200 million or so, which will almost be able to complete the acquisition.

Then the risk of the bank is very small.

After all, there is no liar who would take 100 million U.S. dollars out to fool the bank…

There is no company that will use its 100 million US dollars of funds to mess around…

Coupled with the bank’s full participation in the acquisition and post-merger management, the risk will be further reduced.

Even after mergers and acquisitions, if there are any problems in the company’s operations, the banks can detect them early and deal with them decisively in order to recover their own funds.

As for whether to sell the company or introduce new shareholders at that time, it will have to be analyzed in detail.

Chen Hao frowned slightly, 100 million US dollars, that is 660 million yuan…

According to the current system level, 80 million RMB a month, it will take a full eight months!

And after eight months, whether the game of PlayerUnknown’s Battlegrounds is a big fire or hit the street, there should have been results.

If there is a big fire, it is estimated that 300 million US dollars is not enough, and people may not be willing to sell the company.

If it’s on the street, it really won’t cost 300 million US dollars, but if you buy it yourself, how much significance is there…

And after waiting for so long, just relying on my own funds, I can almost upgrade the system, and there is no need to borrow money to buy a company to gain experience points.

Now to toss these things, it is the loan and the acquisition of the company, the main purpose is not to upgrade the system earlier!

It is a pity that Chen Hao does not have more hole cards to talk to the bank, and the other party’s concerns are also justified.

Forget it, since it can’t be reached, wait a minute…

Thinking of this, Chen Hao raised his head and said: “Then I will think of a way and keep in touch. When I am ready with funds, I will notify you to come over and talk in detail.”

After speaking, Chen Hao picked up the coffee cup and took a sip.

This is actually “serving tea and sending guests off”, and Manager Yang naturally understands it.

Immediately stood up and said with a smile: “Okay, OK, then we will wait for the good news from President Shen! Keep in touch.”

Although he ran for nothing today, Manager Yang still spoke very politely.

Because the young man in front of him, at this age, can come up with more than 100 million dollars of funds and dare to talk about mergers and acquisitions of several billion dollars. This is already very powerful!

At the very least, it is much better than senior wage earners like him, so it is worthy of his respect.

………………

After sending off the two HSBC representatives, Lin Fei returned to the office and asked: “Mr. Shen, Citibank is also here. The leader is still a foreigner. Would you like to meet?”

In fact, after Chen Hao talked with the representative of HSBC, he didn’t have much hope for this matter.

Obviously, banks are basically the same. If you can’t do business in one bank, it’s likely that you won’t be able to do it in another bank.

This time when he met with the people at the bank, it was just to get in touch and understand, and there was also an element of trying his luck.

In case, the bank is in a hurry to lend, and it agrees…

Don’t think this is a joke, in fact, for banks, lending is also a very important business for them!

If they don’t make loans, how can they make money and still pay interest to depositors…

Of course, when banks extend loans, they naturally hope to extend them to large companies with stable business operations and profits, so that the risks are small and the returns are stable.

For those high-risk industries and small companies, banks are absolutely unwilling to lend to them.

This is why it is almost impossible for Internet companies to get large loans from banks.

Because the risk of Internet companies is too great, it is very likely that they are still doing well today, and they will soon be listed on the Nasdaq.

As a result, there will be a strong competitor tomorrow, who will run you to bankruptcy!

Because they cannot get loans from banks, Internet companies can only obtain the funds needed for company development through rounds of financing.

This is also the difference between Internet companies and traditional industry companies.

So Chen Hao wanted to try his luck, but unfortunately, the result was not too ideal…

Since HSBC does not work here, then it must be impossible for Citibank. Chen Hao is a little bit unwilling to see him, wasting time in vain.

But everyone is here, and if you don’t see it, you can’t tell. The etiquette is bad, so Chen Hao waved his hand and said, “Bring them in.”

Not long after, Lin Fei walked into the office with two people.The first one was a tall foreign man, who looked more than 40 years old, had slightly long blond hair, applied a lot of hairspray, and combed it back neatly.

The most impressive thing on the face is the long beard, but it is not messy, and it is neatly built.

Following the foreigner was a young girl with long blond hair, fair skin, big blue eyes, and she was pretty.

As soon as he walked into the office, the male foreigner had a big smile on his face, his mouth full of white teeth, and his mouth turned out to be quite authentic Mandarin.

“Mr. Shen, hello, my name is Mike, and this is my assistant Julie.”

Chen Hao raised his eyebrows, but he was a little interested. When he saw that they were two foreigners, he was still a little worried about how to communicate.

Although he has also studied at university, he has also passed CET-4.

But the little English he learned in college is not enough to support him and foreigners to have a fluent conversation in English…

Fortunately, this foreigner speaks Mandarin very fluently, so you don’t have to worry about language problems when you talk about things.

After coming to the reception area and sitting down, Mike turned his head and looked at the entire office, then smiled and said to Chen Hao: “Mr. Shen is a very stylish office. In a big city like Pengcheng, with such a big office, then But what countless people dare not expect, Mr. Shen really is young and promising!”

Chen Hao was a little surprised, good guy, this foreigner seems to be a “China expert”!

This scene has a set of words, and even flattering is so characteristic of China!

With a few words of greeting, after exchanging business cards, Chen Hao also figured out that this microphone is not too small, and he is the head of the Wealth Management Center of Citibank Pengcheng Branch.

This position sounds very convoluted, it seems that the level is not high, but the people who really understand it understand that the director of a foreign company and the director of a domestic company are two different things.

The wealth management center of Huaqian Bank is actually equivalent to the private bank of China Merchants Bank, and Mike is the top leader of this department!

Private banking refers to a commercial bank or international financial institution signing relevant investment and asset management contracts on the basis of full communication and negotiation with specific customers. The customer has the full power to entrust the commercial bank with the investment plan, investment scope and investment method agreed upon in the contract to act on behalf of the customer. Comprehensive entrusted investment services related to investment and asset management operations.

According to the service classification of the banking industry, the first category is Public Bank, which does not limit the size of customer assets; the second category is VIP banks, with customer assets above 100,000 US dollars; the third category is private banks, requiring customer assets above 1 million US dollars ; The fourth category is family inheritance funds, which require client assets to be more than US$80 million.

The minimum financial asset quotas required by major international banks in different regions and time periods are also slightly different. For example, Goldman Sachs sets a threshold of 10 million U.S. dollars for private banking customers in Hong Kong and Macau, and HSBC has a minimum threshold of 3 million U.S. dollars. UBS (the world’s largest private bank in assets) requires a US$2 million in financial assets for offshore accounts of mainland Chinese customers. Well-known banking brands include: UBS, Citibank, HSBC, etc.

In recent years, the market competition is so fierce, even if Citi’s name is big, customers rarely take the initiative to come to the door. If you want to expand more customers, Mike has to think of some ideas.

When Vice President Hu contacted Citigroup two days ago, this business was originally not related to private banks, but during internal discussions in the bank, Mike heard it and he used his brains.

Because he has the courage and courage to acquire the boss of a company worth two or three billion dollars, that must be his target customer of private bank…

Then Mike went to check the background of Chen Hao, and he found an unexpected surprise!

After communicating with several departments in the industry, everyone agreed that it is more appropriate for Mike to come forward and discuss this business.

After all, according to the current situation of Chen Hao and Lemon Mutual Entertainment, they do not have the conditions to get high loans from Citibank. It is not the same if they use private banking channels. They will be based on the actual situation of the customer and the future potential. Even social background, family background and various factors should be considered comprehensively.

Even with loans, compared with the credit department, there is a big difference in risk measurement and condition requirements.

This is how Mike’s trip is today!