Chapter 546: Gift from the Bank
"Another loan of more than 10 million US dollars!?"
On the other end of the line, Quentin Nelson, president of Standard Chartered Bank, exclaimed.
Fan Wumian said "hmm" casually, and then said:
"Anyway, I have to borrow more than 100 million yuan. Compared with the previous time, the amount is just a little higher. This time, we bought securities assets and real estate from the auction. It should be no problem to pledge 70% to 80% of them, right? If you can't do it, Bank of China and Nanyang International Bank are waiting in line. They come to my house to ask about my well-being and give me all kinds of gifts."
President Quentin Nelson was worried that the big single would fly, so he immediately said to Fan Wumian:
"Of course I can do it. I'm just shocked by your speed of expansion. Every time other rich people reallocate their assets or their companies add some new businesses, they have to digest it for a long time before they come to me to discuss loans. With your loan business, my fourth quarter performance evaluation will be completed soon, haha!"
"Others like to do physical business, but most of mine are asset-light, so of course the turnover is faster."
Seeing that President Quentin Nelson was so happy, Fan Wumian immediately asked:
"A bank president like you has an annual salary of several million Hong Kong dollars. The bonus commission for completing the loan task should be quite a lot, right? Can you give me a few RVs? My contracted artists need them."
The company's application report for purchasing six RVs was just sent to Fan Wumian's email address half an hour ago. It just happened to be a huge order for Standard Chartered Bank. It would be a shame not to take the opportunity to ask for some benefits.
The total amount of this loan is estimated to reach US$1.25 million, equivalent to more than HK$10 billion. The annual interest will be approximately HK$5000 million. Of course, there is an opportunity to negotiate with the bank.
The difference between asking ordinary people for oil, rice, small appliances and shopping cards is that the amount of Fan Wumian's loan is so high, so much that even a "small gift" worth millions can be negotiated.
President Quentin Nelson asked briskly:
"What specific model of RV do you want? What's the approximate total value?"
"The Mercedes-Benz W906 Sprinter James Cook version of the goose-head saloon car is priced at about 120 million RMB in the mainland. I need eight of them."
President Quentin Nelson was not surprised. He remained silent for a few seconds and continued:
"The price is a bit high, but if you promise not to repay the loan in advance within three years, I can help you apply for it. In addition, I have a few sets of jewelry here. They were gifts given to me by a client for a loan to a company. After reporting to the head office, they asked me to give them as gifts to major clients. Young girls should like them very much."
With President Quentin Nelson earning several million Hong Kong dollars a year, there is really no need for him to hand over evidence to customers just for a little profit. It is normal for him to report to the head office proactively.
Banks belong to the service industry and have always taken the initiative to show goodwill to major customers. During every festival, Fan Wumian always receives a bunch of gifts, from gold bars, gold ornaments to commemorative banknotes, each one more valuable than the last.
Just like the unsecured loan of HK$20 billion from Bank of China Hong Kong this time, President Wei also privately promised to give Fan Wumian a set of "Millennium Anniversary" gold and silver commemorative coins.
There are a total of 7 commemorative coins in a set. The most precious one is a gold coin weighing 10 kilograms, with a diameter of 18 centimeters and a face value of 30000 yuan.
These banks were generous, of course, because Fan Wumian could help them make more money. Although 10 kilograms of gold sounded like a lot, it was actually worth only over a million Hong Kong dollars. And for his 20 billion Hong Kong dollars unsecured high-interest loan, he would have to pay more than 1.6 million Hong Kong dollars in interest to the Bank of China every year.
Not to mention some benefits such as free use of private jets, the interest money is enough to buy a private jet with good performance.
The larger the loan amount, the greater the premium space, and multinational banks are often easier to negotiate.
Since Fan Wumian agreed to inject capital into the fund and securities subsidiaries of Bank of China, he also successfully cut the interest rate of unsecured loans from 8.5% to 8%. Otherwise, he would have to pay an additional 1000 million Hong Kong dollars each year.
When President Quentin Nelson said there were several sets of jewelry, Fan Wumian thought they were gold or something, so he didn't take it seriously and replied:
"Okay, have someone deliver it to Repulse Bay when you have time. It will be perfect as a prize for the annual meeting for our employees at the end of the year."
"OK, I'll ask my assistant to look for it."
At the auction house in Moscow, you only need to pay the balance within 30 days, so there is no rush.
After discussing the loan, Fan Wumian continued to look up information about several wineries and sent an email to the CEO of Valentino, asking him to plan how to market and promote the wine. While looking for information about ice wine, he also accidentally discovered that the northwest of China is said to be very suitable for producing ice wine and wine.
Come to think of it, aren’t the grapes from Northwest China a nationally famous specialty?
This gave Fan Wumian some other ideas. For example, once the channel for selling wine under a private label was opened up and gained market recognition, he would go to the northwest to invest in a winery. When he launched the wine in the European and American markets, he might be able to win with his unique features and then create a high-end sub-brand that would sell well.
After patiently waiting for him to finish his work, Feng Ying'er asked:
"The company has arranged a lot of activities and advertising endorsements for me. When I get paid, I also want to buy a sports car and go out for a spin and shopping."
Fan Wumian said decisively:
"You have nothing better to do than to eat. Do you think you are too popular and want to be scolded?"
"Look at Zhuang Muxi, she earns more than you, but she only drives a Beetle worth hundreds of thousands of yuan to go to school. My CEO persona can help me avoid a lot of trouble. Your situation is different, so you should be more low-key and humble. Don't say what you shouldn't say, and don't do what you shouldn't do. Learn more from Hua Zai, so as to avoid collapse and overturn."
"I'll come and give you a motorhome, or you can just find a car company to endorse it. There's no need to waste money. The popularity brought by "My Love from the Star" can make you at least 30 or 40 million. With this masterpiece, your future career should be very smooth."
Feng Ying'er's family followed the trend and immigrated to Australia a few years ago. The living conditions were good and their horizons were not that narrow.
After the material conditions are met, the person's overall temperament quickly catches up, and the star aura becomes stronger.
She replied:
"Okay, I'll listen to you. I just saw on the news that Shan Ji bought a Ferrari, so I asked you~"
"Brother Shan Ji was still living in the ancestral home before. Has he become rich recently?"
"I'm not sure. Maybe it's just a loan."
Last year, Shan Ji couldn't get any work, and his wife Cai'er took the initiative to call Fan Wumian, hoping to get some job opportunities.
It was not until the filming of "The Golden Eyes" started that Shan Ji was given a guest role and was paid a total of 100 million Hong Kong dollars based on the market price.
With many projects on hand and a lack of people to film, Fan Wumian continued:
"Many celebrities in Hong Kong are cheap and easy to use. I want to sign a few more. Artists like Leung Ka Fai, Auntie Thirteen, and Lau Ka Ling seem to have signed contracts with a mainland agent in order to make money in the mainland. I need to first ask how the share ratio is calculated."
That agent was none other than Wang Jinghua, who just parted ways with Huayi Brothers last year.
Some people say that she has single-handedly made half of the domestic entertainment stars famous. Since she got involved in agent affairs in 1991, she has already successfully made a name for herself. In her previous life, Fan Wumian also dealt with her son and former daughter-in-law.
As the mainland entertainment market has gradually developed, many artists are no longer satisfied with the model of only getting low commissions. They can earn more by signing a contract with Wang Jinghua, but their resources are obviously not as good as Fan Wumian's.
For some second- and third-tier Hong Kong stars, signing a contract with Fan Wumian seems very attractive. For example, singer Eason Chan has already switched to work under him.
If some resources in Hollywood were released, even many first-line stars and big directors would not be able to resist. For example, Wang Jing and Director Feng have both praised Fan Wumian highly in public.
This also indirectly led to the fact that Huang Xieqiu, who was stepped on by Fan Wumian, is now completely unemployed and has no movies to shoot. He recently sold his house in Hong Kong and ran to the UK to open a bar and restaurant.
There are actors everywhere, and it is not necessary to use him. Even if other film and television companies dare to invest, other actors in the crew will have opinions, worrying that because of their relationship with Huang Xieqiu, they will be blacklisted by Shanzeiwang Media, Shenhua Film Studio, etc.
If you ask Huang Xieqiu what he regrets most in his life, it would probably be his bad mouthing of Fan Wumian and "A Quiet Place 1", who were not yet famous.
The global box office of over 300 million US dollars was like a slap in his face. After such a long time, the media still often used it as a funny thing to ridicule him, making fun of him for taking advantage of his seniority and being a movie star. He originally wanted to pick on the weak, but he didn't expect to hit a steel plate. (End of this chapter)