EG :: Volume #9

#822: Mortgage loan( asked to subscribe asks ticket)

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The Microsoft shareholder must loan, moreover with the Microsoft stock as the mortgage, Citigroup bank welcome certainly. bank, the loans interest is in itself one of the come incomes. 微软的股东要贷款,而且用微软的股票作为抵押,花旗银行当然非常欢迎。银行么,贷款利息本身就是主要收入之一。 Naturally, making loans time must inspect clearly, the payment ability of opposite party, the value of pawn whether has the depreciation risk wait / etc.. 当然,放贷的时候也要考察清楚,对方的偿还能力,抵押物的价值是否有贬值风险等等。 The stock, is in itself one type negotiable securities that has the depreciation risk. Especially in the late 80's, not only Japan, actually the US is the country that the finance and real estate earliest have problems, but they are very intelligent, shifted the disaster. In addition the high tech of US has started and made the war wealth, US very relaxed went through the difficulty, but Japan was miserable, at least needs ten years, can recover. 股票,本身就是一种有贬值风险的有价证券。尤其是八十年代末,不只是岛国,其实米国才是金融、房产最早出问题的国家,不过他们很聪明的,将灾难转移走了。再加上米国的高科技兴起和发了战争财,米国很轻松的就度过了难关,而岛国却惨了,至少要十年时间,才能恢复元气。 In the late 80's, various bank have also owed, is mainly the stock and real estate mortgage loan. For example Donald Trump, is not owing the bank high quota loan, in turn threatens bank slow to collect the interest the model. 在八十年代末的时候,各银行也都亏了一笔,主要就是股票和房产抵押贷款的。比如唐纳德?特朗普,不就是欠着银行高额贷款,反过来威胁银行缓收利息的典型么。 , Simply went bankrupt, the stock becomes is not worth a red cent, bank basic confiscates including the qualification. 还有一些,干脆破产了,股票变得一文不值,银行根本连本钱都没收回来。 Therefore since then, bank becomes regarding risk assessment severer, the amount that therefore some Feng Yu this stocks, can loan, must be lower than this time market value absolutely. 所以自那以后,银行对于风险评估变得更加严苛,所以冯宇这部分股票,能贷款的金额,绝对要低于此时的市值。 This Feng Yu considered, amount that must loan, was lower than the stock the market value, but when Miles said with him can the making loans amount, Feng Yu some were not quite happy. 这点冯宇考虑到了,要贷款的金额,也低于股票的市值,但当迈尔斯跟他说出来可以放贷金额的时候,冯宇还是有些不太高兴。 „Miles, I uses the Microsoft stock as the mortgage loan, the Microsoft Corporation profitability, can't you see? The stock has definitely appreciated this year, how to have the depreciation risk? Only is Microsoft with the contracts of these computer Corporation signing, how many are the amount? Do not say that now Microsoft office software, server and other sale of good that the stock price appreciation is inevitable!” Feng Yu frowns to say. “迈尔斯,我用微软股票作为抵押贷款,微软公司的盈利能力,难道你们看不到吗？股票今年肯定会一直升值,怎么会有贬值风险？光是微软跟那些电脑公司签订的合同,金额就是多少？更不要说,现在微软的办公软件、服务器等销售的那么好,股价升值是必然的！”冯宇皱着眉头说道。 your mother, father takes these many stock loans, according to the market value, least value 1.5 billion US dollars, I loaned 1.2 billion US dollars to think to be short, are you willing to lend me now 700 million US dollars? 尼玛,老子拿出来这么多股票贷款,按照市值,最少值1500000000美元,我贷1200000000美元都觉得少了,你现在就肯贷给我700000000美元？ Your meaning, the Microsoft stock price in three years, there are to fall 1/2 risks? This TM is not talks nonsense! 你的意思,微软股价在三年内,有下跌1的风险？这TM不是扯淡么！ „Mr. Feng, do not worry, the stock price itself has the fluctuation, our consideration to the risk, truly was high, but should you also be able to understand?” Miles said. “冯先生,你不要着急,股票价格本身就是有波动的,我们对风险的考虑,确实是高了一些,但你应该也能理解吧？”迈尔斯说道。 „I did not understand. These stocks, I must loan 1.2 billion US dollars, this many? The market values of these stocks, least 1.5 billion US dollars! Moreover I give your interest, you engage in introspection, is very high? At this time next year, the market values of these stocks, will possibly turn time, can't these your appraisers, analyze?” “我理解不了。这些股票,我要贷款1200000000美元,这很多吗？这些股票的市值,最少1500000000美元！而且我给你们的利息,你扪心自问,是不是很高？明年这个时候,这些股票的市值,甚至可能会翻倍,这些你们的那些评估师,难道分析不出来吗？” If 1.5 billion securities companies, actually can only loan seven hundred million US dollars, that was also too black! If Citigroup bank insists this, then Feng Yu can only choose to trade a bank loan. What a pity he is the China person, goes to the Japan loan actually not to enjoy that ultra low interest rate, otherwise Feng Yu already went to Japan to loan! 如果1500000000的股票抵押,却只能贷款七个亿美元,那也太黑了！如果花旗银行坚持这样,那么冯宇只能选择换一家银行贷款。可惜他是华夏人,去岛国贷款却享受不到那种超低利率,否则冯宇早就去岛国贷款了！ „Sorry that Mr. Feng, now Citigroup is this making loans condition. You want to loan, then the value of pawn must increase.” The opposite party that anxious wish loan, he also wants certainly to loan to give Feng Yu. But Feng Yu only takes the securities company loans of some Microsoft, if can with all Microsoft stock coming out mortgage loans, that proportion so will not be absolutely low! “很抱歉,冯先生,现在花旗就是这个放贷条件。你想要多贷款,那么抵押物的价值就要增加。”对方那么急切的想要贷款,他当然也想要多贷款给冯宇。可冯宇只拿出来部分微软的股票抵押贷款,如果能拿所有的微软股票出来抵押贷款,那比例绝对不会这么低！ The loan quota is higher, his achievement is also better, the year's end can be divided the money of arriving at to be also more. 贷款额度越高,他的业绩也就越好,年终能分到的钱也就越多。 Miles thinks, this condition, said that after many words, Feng Yu will definitely increase the stock quantity of mortgage, he also draws back one step, the making loans amount raises first year some. 原本迈尔斯以为,他这种条件,又说了那么多话之后,冯宇肯定会增加抵押的股票数量,他也退一步,放贷金额提高一些。 But he has not thought that Feng Yu stands unexpectedly, turns around to walk. 但他没想到,冯宇竟然站起来,转身就走。 „Mr. Feng, our Citigroup bank terms of credit, are the same with other bank. You arrive at New York any bank, will not attain compared with we better condition.” Miles shouts, „, if you are willing to mortgage some stocks, I can take responsibility, give you to enhance the making loans amount.” “冯先生,我们花旗银行的贷款条件,跟其他银行是一样的。你到纽约任何一家银行,都不会拿到比我们更好的条件。”迈尔斯喊道,“如果你愿意多抵押一些股票,我可以做主,给你提高放贷金额。” Feng Yu a few words had not said that went out of his office/bureau. 冯宇一句话没说,走出了他的办公室。 Right now, Miles has flustered, Feng Yu unexpectedly without hesitation left! 这下子,迈尔斯慌了,冯宇竟然毫不犹豫的就离开了！ Those words that he spoke a moment ago, pours does not deceive Feng Yu really completely. bank of New York, regarding securities company loan, truly verification unusual was strict, the making loans proportion truly is also very low. 他刚才说的那句话,倒真不是完全骗冯宇。纽约的银行,对于股票抵押贷款,确实审核的非常严了,放贷比例也确实很低。 But Feng Yu mortgage is not the general Corporation stock, but the appreciation potential is huge at present, Microsoft Corporation stock that investor pursues crazily, the making loans proportion, so will not be absolutely low! 但冯宇抵押的不是一般公司的股票,而是目前升值潜力巨大,股民狂追的微软公司股票,放贷比例,绝对不会这么低！ Miles sees Feng Yu to leave, immediately calls him relates good several bank management, although they are the competitors, but sometimes, cooperates frequently. 迈尔斯看到冯宇离开,马上打电话给他关系好的几家银行高管,他们虽然是竞争对手,但在某些时候,也经常合作。 For example this time, Miles convinced everybody to join up to reduce the amount that Feng Yu this person loaned, to this China person lesson. Naturally, words that finally Feng Yu must loan, is everybody jointly makes loans. 比如这一次,迈尔斯说服大家联合起来压低冯宇这个人贷款的金额,给这个华夏人一个教训。当然,最终冯宇要贷款的话,也是大家联合放贷。 In these person of surfaces complied, but whether in fact will observe, Miles has not grasped. In these bank management, has certainly in the surface to comply, but waits for Feng Yu to walk in secretly, what may let their surprise is, Feng Yu simply has not related their bank unexpectedly. 那些人表面上都答应了,但实际上是否都会遵守,迈尔斯也没有把握。那些银行高管中,当然有表面上答应,但暗地里等着冯宇找上门的,可让他们诧异的是,冯宇竟然根本没有联系他们银行。 At this time they could not sit still, no matter also related on own initiative, will make the both sides status reverse, even if they gave the Feng Yu very high loan ratio, believes that above will also agree, they believe the Microsoft stock cannot fall! 这时候他们也坐不住了,也不管主动联系,会让双方地位倒转,哪怕他们给冯宇很高的贷款比例,相信上头也会同意的,他们相信微软的股票不会跌！ But after they have related Feng Yu, had actually been rejected by Feng Yu, although they improved the loan quota, but Feng Yu had not agreed. 可他们联系了冯宇之后,却都被冯宇拒绝了,虽然他们已经提高了贷款额度,但冯宇还是没同意。 Miles could not sit still, telephones to Feng Yu on own initiative, said own that day has misread, amount that the Microsoft stock, may loan, absolutely is not that low, loan 1.2 billion US dollars that Feng Yu said that he has reported with above, above complied. 迈尔斯也坐不住了,主动给冯宇打电话,说自己那天看错了,微软的股票,可贷款的金额,绝对不是那么低,冯宇说的贷款1200000000美元,他跟上头汇报过,上头已经答应了。 At this time Feng Yu sneered saying: „Did you comply? I actually do not want to loan from your bank. Moreover Mr. Miles, this matter, I will say one with your President bank, I think that you will have troublesome.” 这时候冯宇冷笑道:“你们答应了？我却不想从你们银行贷款了。而且迈尔斯先生,这件事,我会跟你们银行总裁说一声,我想你会有麻烦了。” Miles in great surprise, he only knows that copes with the means of average person to cope with Feng Yu is the how wrong decision, if this matter were known by the president, then definitely will request him to resign on Board of Directors, but which on him looks for such rich wage the position? 迈尔斯大惊,他这才知道,对付一般人的办法来对付冯宇是多么错误的决定,如果这件事被总裁知道了,那么必然会在董事会上要求他辞职,而他上哪儿去找这么丰厚薪水的位置？ He is Citigroup has not obtained the management of stockholder's rights reward only, wants to close right up against this achievement, lets him in the year's end, attains some stockholder's rights drives, but looking back now, not only the stockholder's rights drive has been hopeless, his present position, might unable to preserve! 他是花旗唯一没有得到股权奖励的高管,本想靠着这笔业绩,让他在年终的时候,拿到一些股权激励呢,但现在看来,不但股权激励没戏了,他现在的职位,也有可能保不住了！ „Mr. Feng, I thinks that among us has the misunderstanding, I want to explain to you face to face.” “冯先生,我想我们之间有误会,我想当面跟你解释一下。” „Does not use, I have no free time to listen to your explanation.” The Feng Yu corners of the mouth are hanging the smiling face. “不用了,我没空听你的解释。”冯宇嘴角挂着笑容。 This Miles, but also thinks Citigroup bank really good? bank that many in world, your Citigroup bank does not loan, other didn't bank give to loan? 这个迈尔斯,还真以为花旗银行有多牛吗？世界上的银行那么多,你花旗银行不贷款,别的银行就不给贷款了？ Feng Yu came to an arrangement with HSBC bank, at a very low interest rate, loans ten hundred million US dollars from HSBC bank, but stock value that needs to mortgage, is about 1.1 billion US dollars, the condition compares with Citigroup, as far apart as heaven and earth. 冯宇已经跟汇丰银行谈妥,以一个很低的利率,从汇丰银行贷款十个亿美元,而需要抵押的股票市值,不过1100000000美元而已,条件跟花旗比起来,天地之差。 Naturally, in this is the Microsoft stock had an effect incessantly, Li Zekai and Fu Guangzheng making guarantee. Feng Yu the Microsoft stock taking away mortgage loan, then this year on U.S. Stockmarket, greatly fishes gradually completely. 当然,这里面不止是微软的股票起了作用,还有李泽锴和付光正给做了担保。冯宇会逐步将微软的股票全部拿去抵押贷款,然后今年在米国股市上,大捞一笔。 As for that Miles, must make him obtain the lesson of earning, a life-long unforgettable lesson! 至于那个迈尔斯,也要让他得到应得的教训,一个终生难忘的教训！
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