Siheyuan: My wife is Xu Huizhen

After a while, hurried footsteps were heard, the door was gently pushed open, and it was Feng Bingfen who walked in.

As the head of the Feng family, one of the four major families, Feng Bingfen is dignified and his every move shows dignity and confidence.

Today, the Feng family not only controls a huge family business, but is also an important member of the board of directors of Bank of East Asia.

What is more worth mentioning is that Feng Bingfen has another identity - Jian Dongpu's son-in-law.

With the arrival of Feng Bingfen, the originally heavy atmosphere eased a little.

Jian Dongpu, Feng Bingfen and two other staff members sat together, preparing to discuss and review the loan application in detail.

First, the two of them carefully reviewed all the relevant information page by page.

Every line of text and every number was checked to ensure that there were no omissions or errors.

Time passed minute by minute, and finally, they completed the review of all the information.

Jian Dongpu raised his head, looked at He Yuzhu who was waiting anxiously opposite him, and said slowly:

"Based on the information we have so far, in principle we are able to provide you with this loan.

However, if such a huge amount of loans is issued at one time, our bank will face a serious shortage of working capital.”

He Yuzhu nodded silently to show his understanding.

He was well aware of the reason why Liu Chong Hing Bank had recently experienced a crazy bank run. It was because the bank had used most of its funds for lending, resulting in an extreme shortage of working capital on hand.

Coupled with the malicious spread of rumors, Liu Chong Hing Bank was almost in the desperate situation of being liquidated and bankrupt.

Therefore, he was not surprised that Bank of East Asia was taking a cautious approach at this moment.

"The loan we applied for will be invested without reservation in the land acquisition and industrial building construction projects. The initial plan is to build a total of 13 brand new industrial buildings!"

He Yuzhu explained their grand blueprint with a firm gaze.

“Moreover, regarding the use of the funds from this loan, we are considering adopting the form of installment payments.

Of course, the prerequisite is to ensure that the entire construction process is not delayed or interrupted in any way.”

He Yuzhu went on to explain.

In fact, he did not pocket all the money at once, but cleverly chose the strategy of withdrawing it in batches.

For example, once a land purchase transaction is completed, the bank will release the loan to pay the corresponding land fee based on the actual situation;

When the construction project is officially launched, the bank will carry out funding operations step by step and in an orderly manner based on the specific construction progress of each building.

After careful consideration, Jian Dongpu and Feng Bingfen exchanged opinions, and finally the former spoke:

“Even with this arrangement, we still feel the pressure on our shoulders is quite heavy.

See if it's possible - can we try to do a second mortgage? That is, let us work with Hang Seng Bank to provide you with this loan service. "

It turns out that this is the plan that He Yuzhu originally formulated:

If the Bank of East Asia was not interested in the business or refused to cooperate, he would turn to Hang Seng Bank for help without hesitation;

If even Hang Seng Bank cannot meet the demand, then the only last resort is to seek help from HSBC and Standard Chartered Bank, the two most influential British banks in Hong Kong.

After all, at this moment, in terms of strength and scale, HSBC and Standard Chartered are still the two most powerful giants.

Fifteen million is indeed a large sum of money for an ordinary Chinese bank, but for the forces represented by Jian Dongpu, such an amount is not unaffordable.

However, out of prudence and the need to diversify business risks, Jian Dongpu, after careful consideration, finally decided to transfer part of the loan business to his long-term partner, Hang Seng Bank, for joint handling.

When he heard the decision, He Yuzhu agreed without hesitation and responded:

"no problem."

Immediately afterwards, Jian Dongpu showed his generosity and said that he would give He Yuzhu a certain loan interest rate discount, calculated at an annual interest rate of one percent.

In response, He Yuzhu quickly expressed his gratitude: "Okay, thank you uncle!"

Afterwards, the whole process went very smoothly.

Feng Bingfen quickly assembled a group of experienced and highly professional staff to carefully check the relevant information.

It is worth mentioning that with the assistance of Liao Lieying, a capable assistant, all the submitted materials were perfect, with almost no flaws or loopholes.

Because of this, all the necessary procedures were completed in just about an hour.

During this period, He Yuzhu also specially opened an account for this loan business to ensure the safety and convenience of funds flow.

After everything was properly handled, He Yuzhu felt relieved, and then smiled and invited Liao Lieying beside him:

"It's almost noon now, how about I invite you to have lunch together?"

Liao Lieying thought for a moment and readily agreed: "Okay then."

So, the two walked side by side to a distinctive Western restaurant not far from the Bank of East Asia to have lunch together.

The restaurant has an elegant environment and a peaceful atmosphere, which makes people feel happy.

During the meal, they talked happily about a wide range of interesting topics. Before they knew it, a rich and delicious lunch was over.

Finally, He Yuzhu personally escorted Liao Lieying back to her company before waving goodbye.

"By the way, I almost forgot to ask you! I wonder if there is a lawyer hired by your family who specializes in handling patent-related matters?" He Yuzhu asked with a puzzled look on his face.

Hearing this, the other party was stunned at first, and then reacted:

"Patents? We don't really know much about this. But why did you suddenly think of asking this?"

He Yuzhu quickly explained:

"It's like this. I've been thinking about registering a patent recently, but I don't quite understand the ins and outs of it, so I wanted to find a professional to consult."

In fact, in daily life, He Yuzhu often feels various discomforts.

Take food for example. Nowadays, there are neither instant noodles nor delicious sausages.

Looking at daily necessities, disposable lighters are nowhere to be seen. Everyone uses old-fashioned lighters that need to be filled with kerosene.

Moreover, once-common items such as transparent tape, gel pens and suitcases with wheels do not exist here.

When he was in the mainland before, although he had the idea of ​​developing and manufacturing these things in his mind, the production conditions were simply not available at that time.

After all, the domestic chemical industry is too backward, and many raw materials and technologies are in serious shortage.

However, at this moment, he finally came to the prosperous and bustling Hong Kong as he wished.

Not only is the economy here developed, but it also has a fairly complete and mature patent system.

After a lot of hard work, He Yuzhu finally managed to arrange the work at hand in an orderly manner.

Right now, he is ready to make a big move - starting with registering a patent for instant noodles, and gradually starting his own money-making plan!

That's 600 million in cash! This huge sum of money will be used as ample working capital to promote the further expansion of the machinery factory and the construction of a new factory building.

"Hey, you actually want to register these patents? Could it be that these are not your inventions at all?" someone asked suspiciously.

"How could it not be? Of course it was invented by me myself! Later, I will introduce the whole invention process and principle to you in detail."

He Yuzhu said confidently.

"Is it true or false? I didn't expect that you can do such difficult things as inventing things?" The questioning voices sounded again.

"Well, believe it or not."

Liao Lieying suddenly became interested and enthusiastically suggested,

"Our bank has a dedicated legal department. How about I take you there to see them? They must be very knowledgeable and familiar with the procedures for patent registration and other matters."

"Well, that's fine too."

He Yuzhu nodded slightly in response, but in fact, he still had some distrust in the lawyers in society. He was always worried that they would deliberately disrupt and set up obstacles in the patent registration process.

Because of this, he decided to rely on the Liao family's lawyers to complete this important task.

So, the two of them walked into the magnificent building together, took the fast and smooth elevator, and soon arrived at the spacious office area upstairs.

Then they walked straight to the Ministry of Law and entered it smoothly.

"This is the head of our legal department, Mr. Hong Chenpei." Liao Lieying introduced him to He Yuzhu with a smile.

Then she turned to Hong Chenpei and said:

"This is Mr. He Yuzhu, the incoming director of our company."

Not long ago, He Yuzhu boldly proposed to the Liao family, expressing his strong desire to acquire shares in Liao Chong Hing Bank.

After careful consideration, the Liao family expressed their acceptance of his idea, but a small problem also arose - with the addition of a new director, many aspects such as the interest relationship and power distribution among internal parties needed to be further coordinated and balanced, so this matter has not yet been fully finalized.

It is for this reason that Liao Lieying called He Yuzhu the prospective director.

At this moment, Hong Chenpei warmly invited the two of them to take a seat first. After everyone was seated, he smiled and asked:

"Hello, Mr. He! I wonder what you are here for today?"

He Yuzhu adjusted his sitting posture slightly, and then answered solemnly:

"Mr. Hong, to be honest, I have some patents that I would like to register, so I came here to ask you for advice on the relevant matters."

Hearing this, Hong Chenpei nodded slightly to show his understanding, and then asked:

"Oh? So you want to register a patent? Then what type of patent is it?"

He Yuzhu quickly responded: "It's about the invention patent of a new type of food."

Upon hearing this, Hong Chenpei did not rush to ask for more details about the invention, but directly introduced the current routine process of patent registration to He Yuzhu:

"Mr. He, the current procedure for registering a patent is roughly as follows: first, you need to prepare a series of necessary documents and then submit these patent materials to the Patent Office.

Next, the Patent Office will gradually advance the review work in accordance with established procedures.

Normally, the entire process from initial application submission to formal approval of a patent takes about 12 to 18 months.”

When He Yuzhu heard this, he couldn't help but look surprised and blurted out:

"Does it take so long?"

Obviously, before this, he had always mistakenly believed that such matters should be handled quickly and efficiently, and never expected that the actual time required would be as long as a year or even a year and a half.

"This is already a very fast speed. The Patent Office has always operated this way." Hong Chenpei explained helplessly.

"Is there really no way to speed up the progress?" The other party was obviously a little anxious, staring at Hong Chenpei and asked.

Hong Chenpei shook his head slightly and said slowly:

"You don't know, this matter involves many countries, it is not something we can control unilaterally, so it is difficult to speed up the process."

After hearing this, the man was silent for a moment, then asked:

"Okay then, I wonder what relevant information I need to prepare for this business?"

Hong Chenpei thought for a moment and replied:

“To be honest, I’m not really sure about the specific information required. After all, we’re just a bank, and we don’t need patent registration at all.

But don't worry, I will find out more about it first, and once I figure it out, I will contact you immediately to let you know the details."

"Well, that's fine too. I'm going to ask you to take care of it this time!"

"Oh, Mr. He, you are so polite!"

Hong Chenpei quickly waved his hand in response.

In fact, considering his position in the bank, he can be considered a middle or senior manager.

Moreover, not long ago, he had also heard about the glorious story of He Yuzhu who stepped forward and successfully saved the bank like a white knight.

Not to mention that this time He Yuzhu was brought here personally by the bank's eldest daughter Liao Lieying. It was neither reasonable nor moral for him to be negligent or slack in the slightest.

When the two came out of the Legal Department, Liao Lieying could no longer suppress her curiosity and asked impatiently:

"By the way, what exactly are you planning to patent?"

He Yuzhu smiled slightly and answered slowly: "Oh, actually there are quite a lot. At the beginning, it was mainly a kind of food called instant noodles..."

In fact, deep down in his heart, he longed to invent a gel pen, but he had not yet mastered the key technology required to make the pen tip. Therefore, he had to put this idea aside for the time being and instead tackled the task of making instant noodles.

"Instant noodles? What is that?" Liao Lieying asked with a puzzled look on her face.