Huang Xuan first looked at Mohammed with a smile, which was very "characteristic" of a young man, and then said to Blanchot in a fairly standard London accent: "I do need a larger loan. You should represent Paris." Bank of Pakistan, right?”
Blanchot was also surprised that Huang Xuan was well-informed. However, in the circle of bankers, a well-informed person is equivalent to a powerful person. He said seriously: "I forgot to introduce myself just now. I am Mo Mo, the vice president of the Bank of Paris." Rhys Blanchot.”
"Hello, Mr. Blanchot." Huang Xuan shook hands with him. He didn't know French and could only answer in English. He said that as long as a person knows three languages, he can travel alone in the world: English, French, Russian or Spanish, judging from the current status, Huang Xuan has not yet passed the language barrier.
Blanchot didn't have much hesitation or politeness. In fact, he and Huang Xuan didn't have much politeness either. There was a big age difference between the two, and there was almost no interaction between BNP Paribas and the Huang family.
However, sharks swimming towards blood and flies flying towards toilets have nothing to do with politeness. Blanchot straightened his glasses and said: "Mr. Huang, if you can accept 8.6% interest and submit sufficient mortgage, Paris The Bank of Pakistan can lend you US$50 million.”
8.6 percentage points is much higher than the world average loan interest rate. The domestic fixed mortgage interest rate in the United States is usually around 6%, the U.S. Treasury bond yield often fluctuates around 4.5%, and the London interbank offered rate often remains at 5.5%. Therefore, the interest rate proposed by Blanchot allows Huang Xuan to bargain.
However, 50 million U.S. dollars and mortgage loans are something Huang Xuan cannot afford, because his total assets are not as much as 10 billion U.S. dollars. If all banks require mortgage loans, he can only borrow 0 billion U.S. dollars at most.
Therefore, Huang Xuan kept smiling, took two cups, put them together in front of Blanchot, and said: "A loan of 400 million U.S. dollars, an interest rate of 7.5%, if only 100 million U.S. dollars of collateral is delivered, then 8.6%.
For 400 million U.S. dollars, one percentage point is 4 million U.S. dollars a year. Huang Xuan is equivalent to nearly 10 million U.S. dollars more every year to loan him 400 million U.S. dollars. There is no reason for Blanchot not to be tempted, but 5% of the collateral is obviously too risky for a commercial bank.
Huang Xuan took another cup and placed it next to the two cups before, and said: "I can put this money in the Bank of Paris, or even send a representative from the Bank of Paris to my factory, except that I don't have the right to operate it. In addition, you can have almost complete supervision rights.”
Blanchot began to ponder, and then a familiar voice said: "Mr. Huang."
It was Aubrey's voice, and it was clear that Rubin was hoping for someone he knew to negotiate the deal.
This made Huang Xuan laugh even more freely.
After chatting lightly with Aubrey, Mike Dinoma from Standard Chartered Bank couldn't hold himself back and walked over.
Six hours was enough for the financial capitalists present to figure out the value of the patents held by Huang Xuan. Just the information in the US Patent Office can even kick Sony out of the game. Thinking of the possibility of monopolizing a $100 billion cake, which bank can bear it.
Any expert with enough business experience can conclusively point out that as long as dollar Blu-ray discs are available on the market - and if manufacturers are willing to bear such low profits - DVDs will be driven out of the market within a year.
Think about it, the DVD Alliance's food trough is about to be exposed, and who doesn't want to dig in
With the help of Lorraine's information, Huang Xuan talked with everyone with ease. In the eyes of others, he was indeed laughing and talking happily.
Rubin's face was so gloomy that water could drip from his face. He actually wants investment rather than loans. If this idea can be established, then 10 billion US dollars will be enough to become the leader of the BD world in the future. As for Sony, which has spent billions of dollars on this, who cares about it? .
However, Huang Xuan obviously does not look like a foolable child.
A little mistake made it difficult for Rubin to talk directly with Huang Xuan again.
At this moment, Huang Xuan was surrounded by four banks, including Bunker from Bank of America, Dinoma from Standard Chartered Bank, Aubrey from Citibank, and Blanchard from BNP Paribas, two of them American-owned and one British-owned. Capital and a French capital, if you include the already negotiated Union Bank of Switzerland, Huang Xuan can get loans from 5 banks. This kind of financial capital gathering ability is enough for him to reach the top in China.
Naturally, Huang Xuan’s goal is not just in China.
In terms of lending money to Huang Xuan, in fact, all four banks have no problem. The main contradiction now is that Huang Xuan only has 0 billion US dollars in assets, half of which has been mortgaged or cannot be used for mortgage, so use For banks, the risk is too great for borrowing US$1.5 billion and borrowing US$10 billion.
Therefore, bankers took it for granted that Huang Xuan should find new financing channels, that is, accept venture capital from one or several banks to increase the assets of the new company and use them as collateral for loans.
And every bank naturally wants to be the bank where this risk capital is invested.
Just thinking about Google's 1,000-fold return makes people excited.
Of course Huang Xuan would not throw the cream on the cake to the bank. He smiled as he watched the four people arguing, watched the presidents waving their arms with Aubrey like clerks, and watched the gentlemen on the dance floor surprised. Looking over here, he just smiled and said nothing.
For about half an hour, the four banks still failed to reach the most basic agreement. Citigroup considered itself number one in the world, but Aubrey's chips were too small. He needed to ask Rubin for instructions from time to time. The remaining three banks were also world-class. , one month is not enough for them to quarrel if one of them eats meat and the other three eat soup.
Huang Xuan saw Ellison from a distance, so he smiled and said, "Sorry, I'll go over first and let's talk first."
The four gentlemen continued to discuss. Huang Xuan walked through the crowd and walked to Ellison. He smiled and said, "Lawrence, isn't it boring to be alone?"
"I'm tasting wine, a very good two-year Bordeaux." Ellison raised his glass, pulled the person next to him, and said, "I'd like to introduce you to a friend, a young man I met at Stanford University. He is now Oracle’s technical director, Tao Youlin.”
The other party was a Chinese engineer, which surprised Huang Xuan. There are many Chinese researchers in the United States, but there are very few people who can achieve the position of technical director.
Tao Youlin has very energetic short hair, which looks to have been carefully taken care of. His cheekbones are slightly high, but his eyes are very focused. He looks like he is just 40 years old. He is wearing a Dunhill summer dress, and he looks like a successful person.
Huang Xuan shook hands with him, introduced himself, and said, "Huang Xuan, I'm glad to see Chinese people in a foreign country. Uh, are you Chinese?"
"Of course." Tao Youlin glanced at Ellison and said with a smile: "I taught myself database, and later joined Oracle."
In this way, most of the time the company was acquired by Oracle. This is something that behemoths like Oracle and Microsoft often do. Otherwise, given his age and nationality, it would be as difficult as running for president to win a place at Oracle.
Huang Xuan took the glass of red wine that Ellison poured for him, shook his head and said, "I've had two glasses of wine today, no more."
Ellison would not push him, but glanced at the bankers in the distance and said with a smile: "Mr. Huang is so popular that it makes people jealous."
"Of course Mr. Ellison can do it too." Huang Xuan used his last name again and said with a smile.
The two looked at each other and laughed.
In fact, both parties knew what the other party needed, but neither one wanted to speak first. At this time, Tao Youlin intervened: "Mr. Huang, we have carefully evaluated your database system. If you are willing to sell us a complete The content and price are still negotiable. ”
"Including cryptographic programs?"
Huang Xuan's gentle words made Ellison almost drop the cup on the ground.
Password No. 1 and Password No. 2 did not sell well in the hands of Xinye Company. The reason is very simple. Xinye Company's main service targets are small and medium-sized enterprises, and the password program obtained from Lorraine was a little ahead of its time. , therefore, its cryptographic program is obviously much ahead of its time when considering computer performance issues.
Fortunately, both password number one and password number two are kept confidential by the password program itself. Therefore, as long as the confidentiality level is lowered, it can be used in ordinary server systems.
It is easy to imagine that the result of this is that a cryptographic program originally intended for the next 50 years will have the same confidentiality capabilities, especially its ability to resist brute force decryption, as commonly used cryptographic programs.
This makes Xinye Company itself very distressed. However, the encryption program they have is not famous and their own strength is limited. In addition, in China, there is currently no strong demand for high-level encryption programs, and there are even fewer high-level servers. . Such a result would naturally make Yu Liye feel helpless. Occasionally, he could only say sorry to Huang Xuan.
However, when Oracle tried its best and even rented an IBM supercomputer but failed to open the shell of the database system, Oracle suddenly discovered that the two things were equally valuable.
They have enough capital to demonstrate such a powerful and necessary cryptographic program to customers such as Fortune 500 companies, provided they buy it.
However, before they could start talking, Huang Xuan expressed their thoughts first.
Lord Warden, you still remember them.
…
In addition to the word count: The chapter on capital should be completed with one more chapter. Having written so many chapters is a little beyond Dolphin’s expectations... (To be continued)