Hong Kong's new giants

In fact, he is not particularly clear about the gold market next year. He only knows that gold rose by 1993% in 2 because the pound was separated from the European monetary system.

Anyway, if there is a 2% profit, that is, when it hits $400 an ounce, he throws away the gold.

The average interest rate for lending is only about 9%, and the loan-to-deposit ratio must be guaranteed to be lower than 50%. Obviously, the loan-to-deposit ratio does not need to be considered when buying gold.

If it earns nearly 20 billion Hong Kong dollars in gold this year, it means that the accumulated losses of Octopus Bank have been reduced to about 20 billion, which can be described as rapid growth.

You know, the cumulative losses of the two banks he took over were as high as more than 50 billion (losses before profits).

In this way, it is estimated that in 1994, Octopus Bank will completely earn back all the accumulated losses of China Commercial Bank and Overseas Trust Bank; by then, Octopus Bank’s annual net profit should also be 30 billion Hong Kong dollars, which is enough for Hong Kong local banks ( Bank of China (non-local) ranked in the top five.

Lin Zuhui planned to let Octopus Bank go public in 1996, cash out part of the funds, and then buy the bottom for Octopus Investment Bank.

In this way, his financial group instantly doubled its strength in the Asian financial crisis.

Chapter 478 [Let me build the second skyscraper]

Monday, May 12.

Magic City.

Accompanied by the official personnel of the Shanghai Metropolis, Lin Zuhui and his party came to the southeast side of the newly approved "Madou Jinmao Tower" building.

Lin Zuhui said: "Leader, why don't we build the second skyscraper in Shanghai! I am optimistic about Shanghai and think that it will become the financial center of Asia, so I want to build 'Shanghai Global Financial Center' here."

After finishing speaking, Lin Zuhui smiled and looked at the officials in Shanghai. He was not worried about not getting the project. After all, if the Japanese could get it, he would definitely get it.At present, Hong Kong capital accounts for more than 40% of foreign investment in the country. Without Hong Kong capital, domestic development will not be rapid at all.

Don't think that Hong Kong capital can only develop real estate. In fact, it has developed in all aspects, and there are many factories. As long as the state is willing to invest, everyone will invest in everything, including the upgrading and transformation of state-owned factories.

He asked directly: "How much does Mr. Lin plan to invest? What kind of skyscrapers will be developed? Because we are planning a financial district here."

Lin Zuhui said with a smile: "Leader, don't worry, it must be in line with Shanghai's planning. This building is called Universal Financial Building, and it naturally provides office leases for financial companies at home and abroad. Our New Times Group has just built Xiangjiang's 'Wanguobaotong'. Center'...has been put into use at present, the vacancy rate is only 5%, and the vacancy rate is still being reduced. I am also the chairman of the board of directors of the fourth largest bank in Hong Kong, and I have many contacts and relationships with overseas financiers and bankers So, if you approve this project to me, I will live up to expectations and complete it in 2000, and promise a total investment of no less than 7 million U.S. dollars."

The investment is much bigger than a Central Plaza!

Everyone showed surprise, and the official said politely: "We must pay attention to Mr. Lin's investment. For a patriotic businessman like Mr. Lin, we will definitely not let you down."

Some time ago, Lin Zuhui's investment in Manhattan office buildings in the United States caused mainland officials to worry for a while, thinking that Lin Zuhui's move was suspected of "relocating capital"; they were even more worried, causing a series of chain effects and putting a brake on today's excellent investment situation.

Fortunately, Lin Zuhui not only accepted media interviews and explained, but also soon turned around and returned to the mainland to invest heavily in ten projects.

Who is Lin Zuhui? That is the barometer of the Hong Kong business community. If he suddenly tightened his investment in the mainland, many people would not dare to take risks.And once Lin Zuhui invests heavily in the mainland, a large number of people in Xiangjiang will follow.

Lin Zuhui smiled and said: "Thank you for the trust of the leaders. This area is good. If three world-class skyscrapers are built here, and they are distributed here in the shape of a character, it will drive the financial strength of the entire Shanghai to rise and reproduce the old Shanghai. position in world finance."

Officials in Shanghai City couldn't help admiring Lin Zuhui's vision. The three skyscrapers built in the shape of "pin" here are really amazing even thinking about it.

After chatting with everyone for a while, everyone left the construction site and prepared to make lunch arrangements.

In the previous life, the Shanghai World Financial Center was built by Mori Minoru, the eldest son of the richest man in Japan, Mori Taikichiro. However, because of the Asian financial crisis, it took a full 14 years, which seriously affected the economic development of Shanghai.

For Lin Zuhui, the Asian financial crisis is not a "crisis", but an opportunity to make a fortune.The same is true for New Times Group. At that time, although Xiangjiang's real estate will be sluggish, New Times Group's overseas income is almost the same as that of Xiangjiang.

During the Asian financial crisis, Europe and the United States were at the time when the Internet broke out. At that time, New Era Group invested in office properties in Manhattan, Canary Wharf, and American securities, which would bring a lot of profits to the company.

What's more, before the financial crisis, Lin Zuhui would let the New Times Group sell some properties with "poor rent collection efficiency" in Asia.

For Lin Zuhui, the Asian crisis is not a crisis, but a feast of wealth growth.

in the afternoon.

Lin Zuhui and senior staff of New Times Group (Huaxia) held a meeting in the office building of the Shanghai branch.

He first listened to the progress of each project and took care of him. The overall progress of the mainland projects is very smooth; the 'New Dong'an Market' will start construction and reconstruction after the year, becoming the first project to start this year.

During the period, Lu Donglai reminded Lin Zuhui: "Boss, at present, our projects in the mainland have too many large projects and slow payback, which is a relatively prominent problem."

After Lin Zuhui heard this, he also felt the same way. Shopping centers, skyscrapers, and five-star hotels are all projects with slow payback and high investment. Doing it like this means that it will take seven or eight years to start the road to payback.

"We have talked a lot about the development of real estate projects, and the profits should be able to maintain a certain amount of expenses. You should strengthen your search for opportunities in this area, and strengthen investment in residential projects in Beijing, Guangdong Province, and Shanghai; such as housing projects and old city renovation projects. It’s okay, although the profit is low, it’s better than stable, with a 20% annual profit rate, which is quite ideal.”

Lu Donglai nodded and said, "Yes."

In fact, Lin Zuhui has already negotiated several large-scale residential projects, such as the old city renovation of Chongwen District in Beijing, Yangcheng, Shunde, and Shanghai, all of which have large-scale residential projects.

In addition, Hengchang Holdings' investment in the mainland will soon increase its profits.

……

In mid-December, Jinmailang's "Laotan Sauerkraut Instant Noodles" went on the market in the southwestern region, and it was widely advertised on TV stations in these regions.

In Jiangcheng, at the gate of Jinmailang instant noodle factory, trucks lined up on the road outside the factory, and the drivers were waiting anxiously.

Who doesn't know now, as long as you get Jinmailang's goods, you will make a lot of money.It can be said that almost overnight, the entire southwestern region was awakened by the thick sauerkraut instant noodles.

Wei Yingxing is the boss of Master Kong, and he came to Jiangcheng from Tianjing specially, intending to find out about this matter himself.

"Master, are you all here to pull goods?" Wei Yingxing found a driver and asked.

When the driver saw Wei Yingxing and his party, he knew they were businessmen from Hong Kong, Macau and Taiwan, and he was dressed like a big boss.

"Yeah, I'm from Sichuan, and I'm here to buy goods!"

Wei Yingxing was taken aback. It has only been on sale for a few days, and there are already channels from other provinces. Who is the boss of this Jinmailang?

"Can the goods be delivered? I think there will be a lot of waiting!" Wei Yingxing is most concerned about the survival of others, because Master Kong only has one production line in Tianj, and now he is making both bags and drums, and he is seriously overwhelmed. , and the production line will take two or three months to be installed the next day.

"It is said that there are two production lines, and the people in the factory have also come out and said that they can be shipped today." The driver said honestly.

Wei Yingxing suddenly became cold, which kind of master is this.

He walked towards Jinmailang's factory, and the more he looked at it, the more surprised he was. The size of the factory was much larger than theirs, and the management was orderly.When he wanted to enter the factory, he was stopped immediately because he did not have an admission pass.

"Who is your boss?" Wei Yingxing asked unwillingly.

"I don't know who the boss is, I only know that he is from Hong Kong. Who are you, and what does our boss do?" the guard asked vigilantly.

"I'm a dealer!"

After a lot of tossing, Wei Yingxing was received by the factory manager's management as a dealer, but he was quickly recognized as not a dealer, and then he was invited out of the factory.Because Wei Yingxing can't speak his hometown dialect, Mandarin is also a Taiwanese dialect.

After being invited to leave, Wei Yingxing went to Jingkai District to inquire, and finally understood one thing.That is, Jinmailang Instant Noodles is owned by Hong Kong, and its parent company is Hengchang Beverage and Food Company.Wei Yingxing had never heard of this company, but he learned that the owner of Hengchang Beverage and Food Company was the richest Chinese.

"What the hell is this? Isn't this a real estate developer? Why are you still playing with drinks and food?" Wei Yingxing complained.

"Boss, where are you going now?" the accompanying person asked.

"Go and buy some Jinmailang instant noodles!" Wei Yingxing said.

At this moment, Wei Yingxing already understood what kind of opponent he was facing, this is definitely a formidable enemy!His investment of 800 million US dollars was still borrowed, and he only invested in a production line.

Now Mailang has directly invested 2500 million US dollars in two production lines, and it is said that it is already building a third production line.

The only question now is, how does this 'Laotan Sauerkraut Instant Noodles' taste?

If it is good, then Master Kong must raise funds as soon as possible to invest in the construction of factories in Southwest China, and also produce 'sauerkraut instant noodles'.

……

On the 23rd, Lin Zuhui came to Jiangcheng for inspection.

Visited the workshop of Jinmailang and listened to the introduction of Li Gaoyin, the person in charge of Jinmailang.

"Boss, less than half a month after Jinmailang's listing, we have already lined up at the door to pick up goods! We are now a truckload of 20 RMB. After they pay the money, the finance company will confirm and notify The business management unit will deliver the goods to whoever... We are still planning to introduce, 50 as a unit as a deposit, the more you deposit, the larger the quantity I will give you..."

Lin Zuhui laughed, he was begging Jinmailang for supply!

After inspecting the factory, everyone returned to the conference room.

Lin Zuhui first said: "Expanding production is a top priority, and Jinmailang can do it through a large amount of borrowing."

Du Huilun, the president of Hengchang Beverage and Food, immediately said: "Okay, I will definitely come up with a plan for the company."

Lin Zuhui also said: "We also want to produce 'Braised Beef Instant Noodles'. You follow others and launch it as soon as possible. Our financial strength is stronger than that of Master Kong, so don't be soft when expanding."

All the top executives agreed. After all, Hengchang Holdings is behind Jinmailang, and New Times Group is behind Hengchang Holdings, so just expand.

Du Huilun said: "Based on our current financial situation, it is not a problem to borrow 2 million yuan. Next year, we will definitely have 20 instant noodle production lines."

Lin Zuhui nodded, thought for a while, and then said: "Let the R&D team develop 'Crispy Noodles'...you can use set cards in it, such as the 'Water Margin 108 Heroes' card, which is specially aimed at students' snacks, and can be added Their fun... let’s extend a sub-brand called Little Raccoon Noodles!”

While recording, Li Gaoyin said: "The idea of ​​the boss is really great, so we have increased the customer base."

The Jinmailang brand still has a lot to do, but the most important thing right now is to occupy the market with instant noodles.Master Kong’s advantage, Jinmailang also has; but Jinmailang’s advantage - capital, Master Kong does not have.

Chapter 479 [Software and Hardware]

Beijing, Jinshan Software Company.

Accompanied by Qiu Bojun and Rebs, Lin Zuhui visited the office building.

"Mr. Lin, we currently have a total of 28 technical R&D personnel, and everyone is working together to develop the word processing software WPS94 based on the Windows platform..." Qiu Bojun introduced seriously.

Lin Zuhui said: "Have you continued to recruit talents in this area?"

Qiu Bojun immediately said: "Yes, our goal is to bring together software experts from all over China to build the future of China's software."

Lin Zuhui nodded with satisfaction, and said: "Microsoft in the United States has thousands of people, and Oracle has thousands of people. So 100 people is not our goal, our goal should be 1000 people. Of course, I am talking about long-term goals. You don’t need to worry about funds, our company is very optimistic about the software market in the Mainland, and will not be stingy about investing.”

Although Kingsoft is not his company, he is just a major shareholder, but he values ​​it very much.The technological products of software and hardware are his secret layout, which is related to the level of technological progress of the Chinese, and can also bring huge profits to Lin Zuhui, so he is very concerned about the development of this aspect.

Qiu Bojun said cautiously: "Mr. Lin, the domestic software market has a lot of pirated copies, and the market prospect is not as good as that of the United States!"

Lin Zuhui patted him on the shoulder and said with a smile: "Software is a big market, and word processing tools are just one of them. Some small software development can enable companies to support wars with wars. They can also engage in anti-virus software, translation software, etc. Software, no less promising than WPS!"

WPS could hardly compete with Microsoft in the 90s, and Lin Zuhui paid more attention to Kingsoft as a game agent in the future.

After all the investors had spoken, Qiu Bojun naturally said happily: "Okay, we must diversify the development of the software market."

Next, Lin Zuhui visited and used WPS software, and "casually" put forward some usage opinions, such as what functions, fonts, layout, and functions, just like a designer, immediately attracted Rebs and others to ask for advice.

It turns out that the WPS of this era does not have many functions, and the layout is simple; and the office word processing software mentioned by Lin Zuhui is like a dream product, which shocked everyone for a while.

In the end, Lin Zuhui had no choice but to say with a smile: "I'm in the Arabian Nights. I don't know if technology can do it. Just listen to it."

Rebus said excitedly: "Mr. Lin, technology is gradually accumulated, but the functions you mentioned are very popular. If they are really developed, they must be very good products."

It can be said that although Lin Zuhui does not understand technology, the humanized and multi-functional opinions put forward are like treasures; if Kingsoft can handle the stability of Windows, then WPS will be the most beneficial for WORD to enter the mainland in 1995 competitors.

"Then work hard! As an investor, we can add more investment funds at any time."

"Thank you so much, Mr. Lin!"

In fact, the acquisition of WPS did not cost any money, because the version of WPS currently on the market still belongs to the original Jinshan company.They just spun off the original Kingsoft and paid less than 200 million Hong Kong dollars.

……

For the last stop, Lin Zuhui returned to Xiaomi Science and Technology Park.

The sales of VCDs in the mainland are completely different from those in the previous life, which made Lin Zuhui couldn't help wondering whether Wan Yan would advertise in the previous life. No wonder the colleagues laughed at them, "Can't tell what a VCD is?" ', and at the beginning, Wanyan's VCD discs had no feature films, but were all karaoke discs.

Came to Zou Kaixuan's office, Lin Zuhui sat in her place, and said with a smile: "It seems that you have been very good recently!"

Zou Kaixuan came to Lin Zuhui and said, "There are indeed a lot of honors, but you gave them to me!"

Lin Zuhui said: "We can be regarded as lovers, so we should stop talking politely in the future."

"Well, I listen to you!"

Lin Zuhui didn't care about these either, he knew that Zou Kaixuan was very loyal and adored to him.

He went on to ask: "When dealing with the government and the media, you must disclose that the money Xiaomi Technology earns in the Mainland will definitely continue to invest in the technology industry in the Mainland. In this way, we are equivalent to positioning ourselves Mainland enterprises have raised their corporate image. As for whether the funds are really invested in the Mainland, you can actually dispose of them yourself, and they can’t interfere.”

This is just a slogan, so as not to make too much money and make people jealous.

Of course, the fact is the same. Investment in the Mainland will be the focus in the future; the real return will have to wait after the 21st century.

Zou Kaixuan nodded and said, "Well, I've been talking about it, and Xiaomi Technology will invest heavily in the technology industry."

At present, the sales volume of VCD players is rising steadily, and the monthly global sales volume is about 6000 units; because Japanese manufacturers are still unable to make them, it is equivalent to Xiaomi selling VCD players in the market.

However, once Japanese brands hit the market, it will be very difficult to compete overseas. After all, Japanese home appliances are too powerful.

As for the mainland, Xiaomi Technology will not be afraid at all.

The advertisement is very well done, and the popularity is the highest!

The current CCTV advertisements are still very cheap, and you can buy them at prime time for 300 to [-] million yuan, and I am afraid that they will have to double every year in the future.

In this day and age, when people in the mainland buy things, their first choice is whoever advertises well, and quality and after-sales service are second.Especially in terms of quality and after-sales, they don't know how to protect their rights.

Therefore, there are many mainland brands that only care about marketing and price wars, and do not pay attention to quality and after-sales.In their view, they just want to make quick money and want to occupy the market first.

But Xiaomi Technology is different. It not only pays attention to marketing, but also pays attention to quality after-sales, because Lin Zuhui's goal is to create a real technology giant.