v2 Chapter 846： funding problem

Warships and planes are cool to buy, but the funding problem needs to be solved urgently. Before Bao Zixuan did not plan such a huge capital expenditure, and the sales required a process. It is impossible for the funds to be withdrawn in a short period of time, and the United States cannot owe money, and it does not dare to owe it.

Although Heiyun Computer Company has a lot of funds in its account, it does not dare to embezzle it all. After all, with this fund, if there is a problem on the Xiangjiang side, it can be rescued as soon as possible.

Nearly $1 billion has been spent on Navy and Air Force equipment, and that's not counting the 300,000 military vehicles. You know that's the big deal, and you can't do it without $2.5 billion. Sure enough, it should be said that the more money you have, the less money you have.

Engineers from Jeep, Dodge, and Black Cloud have carried out comprehensive inspections of active military vehicles in the United States. It can basically meet the requirements of use, and there are few parts that need to be replaced. The U.S. side has done a very good job in the logistics supply, and it has to be admired.

The U.S. Department of Defense has really given some support to the Black Cloud Group, at least actively helping with funding. Bao Zixuan knew that in dealing with the US side, one must understand that interests are shared. Some loans must be used, otherwise everyone will not look good.

The top banks in the United States have all taken the initiative to contact the Black Cloud Group. No matter how you look at it, Bao Zixuan's business will not be lost. And the U.S. banking industry is also eager for him to lose money, so maybe there will be windfalls.

Wells Fargo, founded in 1852 and headquartered in San Francisco, is the only AAA-rated bank in the United States. The founders are Henry Wells and William Fagor, the world's most valuable bank. Wells Fargo is a full-service bank that includes community banking, investment and insurance, mortgage lending, specialty borrowing, corporate lending, personal lending, and real estate lending.

Not only Wells Fargo, but another well-known bank in the United States also participated.

Citibank is a retail bank under Citigroup, whose main predecessor was the New York City Bank established on June 16, 1812.

Citigroup serves approximately 200 million clients in more than 100 countries, including individuals, institutions, corporations and governments. Provide a wide range of financial products and services from consumer banking services and credit, corporate, investment banking services, as well as brokerage, insurance and asset management, unmatched by any other financial institution.

As for the No. 1 Morgan Bank in the United States, it is well avoided by being the richest man in the package. The Ministry of National Defense also knew about Bao Zixuan's love-hate relationship with the Morgan family, so he didn't force it too much. If anything goes wrong, all plans will be disrupted.

Originally, the old Morgan also wanted to come over and get a piece of the pie, but the Hong Kong rich man did not agree. This made him helpless. Fortunately, the business was not very big, otherwise he would have to vomit blood.

After careful calculation by engineers and accountants, Heiyun Group needs to pay the US $3.67 billion. The richest man in this wallet can get it, but he can't do it at this time. Otherwise, it will be difficult to transport decommissioned equipment out of the United States, which involves huge interests.

If there are two U.S. banks behind it, and the military acquiesce, things will be much easier, or at least a lot of trouble can be saved.

David Wells is the grandson of Henry Wells, the founder of Wells Fargo, and can be said to be a properly rich fourth generation. Currently serving as the president of Wells Fargo, he is definitely the most capable person in the family. Many people say that being rich is only three generations old, but it is not applicable in foreign countries. At least when it comes to raising children, the old-fashioned family still has its own uniqueness.

Citibank is a professional manager system, and John Reed appeared in front of Bao Zixuan as senior vice president of Citibank. Although John Reed is a vice president, he is basically performing the role of CEO. It is understandable to negotiate with Heiyun Group on behalf of Citibank.

And the other party has another identity, and Bao Zixuan is an alumni relationship.

Originally did not want to personally intervene in the loan, but John - Chambers to connect with the Department of Defense. The identities of other people are not equal, and the richest man Bao can only come forward in person.

Seeing the two come in, Bao Zixuan said with a smile: "The presence of the two of you really makes the entire Heiyun Group feel radiant."

For cooperation or not, everyone is tacit. Bao Zixuan wanted to solve the problem in one go, and didn't want to waste time here. Because of the order for new military vehicles in the United States, I still want to fight for it. Although there is not much hope, but we have to fight for it. The most important thing is to make technical reserves to prepare for the development of next-generation models.

Although David Wells came from a super-rich family, he didn't dare to be big in front of Bao Zixuan. With a smile, he said, "Mr. Bao is too polite. It's an honor to see you again."

Being able to become a family heir is enough to show that David Wells' ability is not bad, and his emotional intelligence will not be so low.

John Reed: "Mr. Bao, please don't say that, coming to Heiyun Group is an opportunity that many people dream of."

Inviting two people to come together this time, they will definitely not choose the home of any bank. The Detroit branch of the Black Cloud Group is the most suitable choice, after all, it involves military vehicle transactions. In addition, the richest man in Bao wants to lead the research and development of new cars after the talks, as well as the coordination of Jeep production lines. After negotiating the loan, you can immediately start working.

After the three sat down, Bao Zixuan said, "Mr. Wells and Senior Reed; both of them are well-known figures in the US banking industry. It is an honor for Heiyun Group to have the opportunity to cooperate with Wells Fargo and Citibank. I think as long as Because everyone has a positive attitude of cooperation, this business will definitely be successful.”

For Bao Zixuan's name, John Reed is very happy. The benefits of being an alumni of a well-known university are once again reflected. Although he is not a science and engineering major, it will not affect anything.

David Wells is nothing, after all, he is not a graduate of MIT, and he can't climb up if he wants to make friends. And alumni are just a bridge, it doesn't change anything.

After a few chats, the talk got to the point.

Bao Zixuan: "I don't know what kind of support the two of you give to Heiyun. Only through cooperation and win-win business can the business be long-lasting."

The two of them didn't expect Bao Zixuan's conversation to change so quickly. Fortunately, they have both experienced big scenes and prepared in advance.

David Wells: "Wells Fargo can loan $2 billion to Black Cloud Group at 8% annual interest, which will be repaid with principal and interest in five years."

Interest and repayment methods are already quite generous, at least compared to their American counterparts.

John Reed: "Citibank will also give the same treatment, the exact amount is determined by Mr. Bao."

The meaning is obvious, as long as Bao Zixuan is willing. How much money you want, Citibank will satisfy.

The richest man in Bao is not very satisfied with this result, mainly because the interest rate is a little high. Both banks have nothing to do with $160 million in annual earnings. The most important thing is that there is no risk, because no one will worry that the Black Cloud Group can't afford it.

Bao Zixuan said with a smile: "It stands to reason that the conditions given by the two of you are already very good, but there is one thing I want to make clear. The Black Cloud Group is not short of money, and the two of you should know that the funds in the Heiyun Computer Company's account alone are enough to pay for it. The cost of decommissioning weapons and equipment from the Department of Defense.”

"This cooperation is more about a balance, after all, no one can eat alone."

"At present, the two banks in the Asian market are not very strong, and we can still cooperate in this regard. If we want to maximize benefits, the Middle East and the Soviet Union are not inoperable."

As the most well-known bank in the United States and even in Europe and the United States, everyone wants to expand abroad, but there has been no chance. What Bao Zixuan said was true, this time to achieve a balance of interests. He can cooperate with anyone he wants, and there are opportunities to expand the market in the future.

John Reed obviously knew how to cherish opportunities better, so he said: "The annual interest rate of 5.5% is Citibank's sincerity, and it is also my greatest authority. Other conditions remain the same, I don't know what the younger brother thinks."

David Wells didn't expect Citibank to make such a big concession all of a sudden, which made Wells Fargo very passive; but he had to follow suit, otherwise Citibank would definitely be cut offJohn Reed Knowing about Bao Zixuan, the alumni resources can give you a lot of information. The richest man Bao likes to be straightforward, which may be the commonality of men in science and engineering; he has seen too many such people at MIT. Therefore, after the board of directors has full power, it has such courage.

Bao Zixuan: "Senior Reed is refreshing, just do as you said! 2 billion US dollars, 5.5% annual interest; but it will take 7 years, and the principal and interest will be repaid in one lump sum upon maturity. In order to let the senior explain, Black Cloud Computer Company pledged 10% of its shares to Citibank.”

After Citigroup agreed, Wells Fargo did not dare to insist. The three parties soon reached an agreement, and the richest man Bao used 20% of the shares of Heiyun Computer Co. It can be considered that the funding problem has been solved, and the two banks are eager for him to fail, so there is a chance to get the shares of Heiyun Computer Company.

The shares of Heiyun Computer Co., Ltd. are definitely in demand, and they may become the world's No. 1 company after listing. No matter how you look at it, neither bank suffers. And there are also opportunities to enter the Soviet Union and the Middle East market, which I never thought about before.

Seven years later, it will be the time to harvest the fruits of victory in Japan. At that time, that little money is really nothing to Bao Zixuan.