Chapter 7: What Can Ten Million Even Do?

Li Weiguo and Li Weidong had not brought any belongings with them when they smuggled themselves into the territory, so naturally, they had no luggage to pack now.

At this moment, they were still wearing their Huafeng Cement Factory uniforms.

Returning to the room in the office building, Lin Haoran asked Li Weiguo and his brother to wait outside while he went in to pack his things.

In truth, there wasn't much to pack; he hadn't brought many personal effects with him to this place to begin with.

After stuffing a few sets of clothes into a suitcase, Lin Haoran gathered the Huafeng Cement Factory’s business registration certificate and the land deed for the plot where the factory was located.

The Huafeng Cement Factory had a history spanning over a decade. Back then, land in Yuen Long wasn't worth much, and when Lin Wan'an built the factory, he had taken the opportunity to purchase the surrounding thirty thousand square meters of land at a low price.

Today, that plot of land alone was worth over seven million Hong Kong dollars.

Lin Haoran had already thought of a way to obtain startup capital: using the Huafeng Cement Factory as collateral for a loan.

He certainly couldn't sell the Huafeng Cement Factory; after all, it was tied to his competition with his eldest brother, Lin Haoning.

However, this did not prevent Lin Haoran from using it to quickly raise the necessary startup capital to provide strong financial support for his next plan.

Once finished, Lin Haoran walked straight out.

Li Weiguo very consciously helped carry the luggage.

Lin Haoran’s vehicle was a Mercedes-Benz W116 series sedan; as a scion of a wealthy family, the car he drove was naturally not subpar.

After the fusion of his memories, he had gained a deep understanding of Hong Kong in this era.

To return to the Kowloon urban area from Huafeng Cement Factory, one had to head south through Tuen Mun and then take the Tuen Mun Highway all the way back to Kowloon.

As the boss, Lin Yi had always been the one driving while he sat in the back.

But since neither Li Weiguo nor Li Weidong knew how to drive, he would have to drive back to the city himself this time.

Road planning in this era wasn't as complex as in later generations, especially in remote suburbs like Yuen Long. There was only one main road, and all intersections had detailed signposts, so Lin Haoran wasn't worried about taking a wrong turn.

After the luggage was stowed, the brothers Li Weiguo and Li Weidong were full of excitement and curiosity.

"Young Master, we've never ridden in a private car before. Back in the mainland, we only ever rode buses and transport trucks. These seats are truly comfortable," Li Weidong said, looking left and right, unable to contain himself.

"Fasten your seatbelts. The Young Master is going to take you to see the big world."

"Young Master, what is a seatbelt?"

"It's that strap fixed next to your seat; it can protect the passengers' safety."

...

Even with the memories of two lifetimes fused together, Lin Haoran was quite interested in driving a classic car of this vintage.

The radio in the dashboard was playing some Cantonese songs popular in Hong Kong at the time.

Along the way, they encountered border patrol officers conducting checks, but after Lin Haoran identified himself, they were waved through immediately.

More than two hours later, the car finally entered the suburbs of Tsuen Wan, where the houses became increasingly dense.

Tsuen Wan in this era was already quite well-developed.

Especially after the completion of the Kwai Chung Container Terminal, this place had become a hot spot for investment among Hong Kong businessmen.

"There are so many tall buildings over there."

"It's so prosperous."

"That woman is truly shameless, dressed so revealingly—half her upper body is exposed."

"Brother Weiguo, I see one over here too. Look over here, it’s making me drool."

Upon arriving in Tsuen Wan, seeing the bustling street scenes on both sides, the two brothers were incredibly excited, chattering non-stop and filled with curiosity and awe at everything around them.

"This is still just the suburbs," Lin Haoran said with a smile.

Because Tsuen Wan possessed many logistics warehouses and terminals, there were a particularly large number of heavy trucks here.

Consequently, after entering Tsuen Wan, the roads became somewhat congested, and the car moved very slowly.

"If this is still the suburbs, how prosperous must the city center be?" Li Weiguo exclaimed.

Seeing the traffic ahead, Lin Haoran simply exited the main road at the next intersection.

It was already one o'clock in the afternoon; it was time to find a place to eat.

After finding a random restaurant and having lunch, Lin Haoran started the car and set off again.

He first entered the Kowloon urban area, taking Li Weidong and Li Weiguo to an immigration office to fill out the paperwork, successfully obtaining their Hong Kong identity cards.

After seeing Li Weiguo easily defeat Lin Yi, Lin Haoran had begun to value them more and more.

"From today on, you are officially part of Hong Kong. You don't have to worry about anyone tracking your past anymore," Lin Haoran said with a smile to the two of them while standing outside the office.

"Thank you, Boss." Both were incredibly excited.

He bought them three suits each at a nearby tailor shop and had them put one on immediately.

Then, he took them to a nearby barbershop to get crew cuts.

As the saying goes, clothes make the man. After the brothers changed into suits, put on ties, and got new haircuts, their entire demeanor changed.

Once they put on sunglasses, they even had the air of gang bosses.

Since they were to be his bodyguards, they couldn't keep wearing Huafeng Cement Factory uniforms; that would only make people laugh.

In the business world, face is very important.

At this moment, Lin Haoran noticed that their loyalty had increased once again.

Li Weiguo: [Loyalty: 87/100]

Li Weidong: [Loyalty: 90/100]

Li Weiguo's loyalty had jumped by 3 points.

Especially Li Weidong; although he only gained 1 point this time, his loyalty had already broken the 90 mark.

Loyalty is naturally better the higher it is. With such high loyalty, there was basically no need to worry about them betraying him.

After fulfilling the two men's wishes, Lin Haoran didn't waste any more time and headed straight to the Admiralty Centre in Wan Chai, Hong Kong Island.

As the youngest son of the chairman of the Wan'an Group, it was very simple for Lin Haoran to get a loan in Hong Kong.

However, he wasn't just looking to borrow ten or twenty million.

Large, formal banks like HSBC, Standard Chartered, and Hang Seng Bank would certainly not lend him too much in order to minimize their risk.

If Lin Haoran went to these banks, it would be easy to get a loan, but even with his Huafeng Cement Factory as collateral, he could borrow at most ten or twenty million Hong Kong dollars.

But he wasn't satisfied with that.

What could he do with that little money?

The elevator stopped at the 17th floor of the Admiralty Centre, and Lin Haoran stood outside the glass door of an office with his two subordinates.

On the left side of the glass door hung a plaque that read: Hong Kong Malaysia Yumin Finance Company.

Lin Haoran's target today was precisely this finance company.

Currently, the Hong Kong government was actively planning to develop Hong Kong into an international financial center, and for this reason, they had relaxed restrictions on banking licenses in March of this year.

In the past few months, the government had issued over twenty banking licenses in one go.

Due to the massive increase in the number of banks in a short period, coupled with the surge in other types of financial institutions, competition in the banking industry had intensified.

To use the words of Lin Haoran's past life, the Hong Kong banking industry was currently extremely "involutionary."

How intense was it? It was so intense that some financial institutions, despite sitting on massive cash reserves, found it difficult to effectively deploy these funds in the form of loans.

Please collect, please recommend, please follow; this is very important for a new book. Thank you, fellow readers.

(End of chapter)