Hardy Empire 1945

Whether a company has the ability to compete with banks, naturally, it is like a company like Laoganma, which does not go public, pays for the product and delivers it, never defaults, and holds billions of cash in hand.

Such a company has a low debt ratio, large cash flow, relatively low loan risk, and cash flow can bring a large amount of deposit income, and the bank asks for a loan to her.

Banks are not charities, and all purpose is to make money.

The richer you are, the more willing the bank is to lend you money, because he expects you to help him make money. If you have no money, the bank is unwilling to lend you money for fear that you will not be able to pay it back.

It has always been so realistic.

One day later, Andy received phone calls from the bank one after another.

The First National Bank of New York provided a loan of 2 million with a 0.3% reduction in interest, and the airline's financial business must be contracted to them.

Andy chose to give up directly.

Citibank of New York called and was willing to borrow 3 million yuan, and the interest would be reduced by 0.5%. It also requested that the cash of HD Airlines go to Citibank in the future.

The other party's conditions are basically within the acceptable range that Andy and Hardy have discussed. The asking price of 5 million and the 1% interest rate cut are indeed a bit high, mainly to give the other party room to bargain.

Bank of New York Mellon and First National Bank of San Francisco have also offered prices, which are almost the same as Citibank’s terms, while Bank of America’s offer is slightly higher than them. The security business of Bank of America’s Los Angeles branch was undertaken by HD Security. Happy, Bank of America is willing to reduce interest by 0.6%.

Andy discussed with Hardy, maybe they could choose Bank of America.

At this moment, the people from Wells Fargo came to the door and asked to visit Hardy.

The man was very polite when he saw Hardy, and said, "Hello, Mr. Hardy, I am Henry Wells, Vice President of Wells Fargo Bank. I hope I can talk to you."

"Of course no problem, I don't know what Mr. Wells wants to talk about?" Hardy asked the other person to sit down.

"Wells Fargo is willing to loan 4 million to Mr. Hardy, and is willing to reduce the interest by 1% to complete this business, but hopes that all financial operations and cash of the airline will use the Wells Fargo channel in the future."

Hardy glanced at Andy next to him.

Andy told him before that if the interest rate is reduced by 1%, the loan bank will not make money at all, and no bank will agree to it.

Unexpectedly, Wells Fargo personally sent a vice president to agree to the loan.

Henry Wells looked at Hardy and said, "Mr. Hardy, I believe you also know that if the interest rate is reduced by 1%, the bank loan will not make money at all, and there may even be a loss of money. In fact, what we are fancy is and Mr. Hardy’s cooperation."

"Mr. Hardy now has three listed companies, Walsh Mining, Playboy Magazine, Barbie Toy Factory, and you also have MEBO TV Factory, Rocky Mountain Mineral Water Factory, HD Security, HD Pictures, etc. An HD airline is about to be established."

"But you don't have a fully cooperative bank. You need to find a new bank to cooperate with each time you raise funds. Mr. Hardy, although Wells Fargo is only a local bank, it has a good reputation and a complete set of measures. Customer service system, Wells Fargo is willing to form a strategic partnership with HD Group."

Hardy finally understood the purpose of the rich country.

Now these enterprises of his have been regarded by many people as sweet and delicious, which is enough to arouse the loyalty of a bank.

Wells Fargo is not the second-largest bank in the United States with trillions of assets in future generations. It is still only a local bank and has no advantage in fierce competition. The only advantage now is its good reputation.

It wasn't until the 1980s that Wells Fargo grew into a national bank, and in the following two decades, it began to develop into a world-wide bank after starting large-scale mergers and acquisitions.

Customers like Hardy are definitely super customers for Wells Fargo now, and there is huge room for growth. Wells Fargo wants to win him over.

After getting the conditions offered by Hardy, the current heads of Wells Fargo held a special meeting, studied for a long time before making such a decision, and sent Vice President Henry Wells to negotiate.

I just want to win over Hardy, a super client.

Hardy thought for a while.

Wells Fargo is known for its services. If a strategic partnership is formed, the channels for borrowing money will be much smoother in the future, which is also a good thing for you.

Don't look at Wells Fargo now as just a local bank. It only has operations in San Francisco, Los Angeles and a few other cities in California, but the amount of funds can reach hundreds of millions of dollars, so don't underestimate any bank.

"Okay, I agree." Hardy said.

Henry Wells just heard Hardy’s words. He didn’t expect Hardy to agree so quickly. This is not a trivial matter. He felt that the other party would definitely discuss it with the team. He didn’t expect that after he put it forward, The other party just thought about it for a few minutes before making a decision.

Henry Wells said in his heart that this Mr. Jon Hardy is so decisive. No wonder he can achieve such a great achievement in just over a year.

Henry Wells was overjoyed and stood up and took Hardy's hand and said, "Thank you, Mr. Hardy, for your trust in Wells Fargo. We will definitely serve Mr. Hardy in the future."

Hardy pointed to Andy.

"This is my financial adviser. In the future, HD and rich countries will mainly be approached by him."

Henry Wells shook hands with Andy quickly.

The matter is finalized, but the specific procedures will take some time, and these Hardys are ignored. He only ordered Andy to make an announcement in the newspaper that HD Airline was established and the president and management were recruited externally.

Then Hardy took Henry and boarded the plane to Detroit.

Brigadier General Williams called. He had already contacted General Nudsen. Hardy could visit him at any time and told him his address and contact information.

Yesterday, Hardy had contacted Lanster, the head of HD security, and asked him to rush to Detroit, where they will meet and visit the old general together.

The next day,

Hardy took Lanster and Henry to visit General Knudsen's house. The old general was about to go fishing, with fishing tackle behind the open jeep.

After the two sides met, the old general said to Hardy: "Do you like fishing?"

"I like it, often go fishing in the river before joining the army?" Hardy said.

"How do you like to fish?"

"I like Luja."

Hardy in this life didn’t know how to fish very much, but he liked fishing very much in the previous life. He has played all kinds of fishing methods. The reason why he said Luya was because he saw that the fishing rod behind the old general’s jeep was Luya rod. .

The old general smiled, "Ha, you like Luya too, why don't you go fishing with me?"

"Okay."

There were no outsiders, Hardy was in charge of driving, the old general showed the way, and the two drove for half an hour to a river.

The old general’s methods of fishing with a hook are very skillful at first glance, but Hardy is not weak. After the two fishing for more than half an hour, Hardy’s catch is no less than that of the old general.

tired.

The two sat by the river to rest while the old general smoked Hardy's pipe.

The old general looked at Hardy and asked, "What are your thoughts on the future of HD security?"

Hardy knew that the old general was testing himself. A former powerful figure like General Knudsen had seen too much and would never be easily tempted by tens of thousands of dollars. The benefits can be taken, but he also needs the other party to have a place to attract him.

Hardy thought for a while and said:

"Currently, security companies in various countries are mainly bank security and security services for large companies. In my vision, the business of security companies is very broad."

"In my mind, the company's business can be divided into several major segments. The first is basic business, which provides security for banks, protects money transport vehicles and vaults, as well as bank outlets, and provides security protection for large companies, such as airline security inspection services and jewelry. The security of companies, antique companies, and auction companies is the cornerstone of the development of security companies."

"The second is to cooperate with the police as a supplementary force for the police to maintain local security and order, reduce pressure on the police, and to contract the transportation and **** business of the suspect in the court."

"Last year we cooperated with the Los Angeles police. HD Security conducted street patrols and cracked down on violent crime. Last year, the crime rate in Los Angeles was reduced by 34%, and the effect was very significant."

Hardy did not lie on this point. Los Angeles is known as the capital of crime. Since HD security and the police department cooperated, the crime rate in the entire city has indeed fallen very significantly.

The most important thing is that he has the final say in the Jewish gang and the Bill gang. The crime in these places has decreased, and the decline in data is naturally obvious.

It's not that I'm in charge of chaos.

"The third is to provide top security forces to celebrities, entrepreneurs, and politicians to protect their safety. It can also protect the safety of overseas companies in other countries. Some countries are chaotic, and local police alone cannot protect the safety of corporate property."

"Fourth is to provide security forces to prisons to supplement the problem of insufficient prison guards. I have another idea. In the future, prisons can be corporatized. Prisons don't need government to come forward. The government only pays. The prison management company is responsible for the tasks of detention and supervision."

When the old general heard this, he turned his head and looked at Hardy. The three things Hardy said before. He thought it was normal. But Hardy said that the prison is corporatized, but he didn't expect it at all.

"Anything else?"

"Yes, security companies can also serve federal law enforcement agencies, the State Department, the Department of Transportation and even the Department of Defense, providing security, consulting, military training, intelligence support, and logistical support."

"The security company has an independent intelligence department. I am going to develop it into an independent and powerful intelligence company. It can do risk consulting and intelligence detection services. It can also provide strategic business information for some large companies and groups, and provide multinational companies. Provide strategic and tactical information analysis."

"You can also form a mercenary group to participate in local conflicts in other countries, protect the local government, and even help them clean up the enemy."

"and also......"

Hardy said item by item, the old general was surprised with his mouth open~www.novelmt.com~ for a long time without smoking a pipe.

Because what Hardy said was a bit too advanced, the old general's thoughts were still stuck in World War II, and he didn't understand much of what he said, but he felt that it was very possible to achieve.

The old general sighed in his heart that young people have thoughts.

The fishing activities of the two ended, Hardy had a lunch at the old general’s farm, and the two chatted a lot. The old general’s impression of Hardy was very good.

After eating, Hardy left, and neither party said about signing the contract from beginning to end.

Two days later,

Hardy received a call from General Williams, telling General Hardy Knudson that he was very satisfied with Hardy and was willing to be an HD security consultant.

In the afternoon, Lanster flew to Detroit again to sign a consulting contract with General Knudsen on behalf of HD Security.

HD security has one more general to oppose the battle.

......