Chapter 1065: Small Bets for Big Gains (Part 2)

Zhao Fusheng was very happy now, extremely happy.

After all, anyone would be delighted to hear that a large bank with assets of tens of billions of dollars was willing to cooperate with them.

But he also knew that there is no hatred without cause in this world, nor love without reason. It wouldn't be easy to get the Chen father and son to use Pangu Bank's assets to help him based solely on his collateral.

A gentleman can be taken advantage of by fairness. Although the Chen family were honest people, treating them as fools would be too foolish.

"Mr. Chen, please go ahead."

Zhao Fusheng said respectfully to Chen Youhan.

Regardless, this old man who had helped countless Chinese businessmen deserved his respect.

Compared to the so-called wealthy men back home who only focused on squeezing the blood and sweat of ordinary people and even played tricks when doing charity, the Chen father and son were truly good people.

"Mr. Zhao, I'd like to ask, how much do you plan to borrow from Pangu Group?" Chen Youhan looked at Zhao Fusheng and slowly asked.

Zhao Fusheng thought for a moment and finally raised one finger: "I need one hundred million US dollars."

One hundred million?

Chen Youhan didn't speak, but Chen Zhishen looked at Zhao Fusheng with some surprise, gaining a new understanding of this young man's appetite.

After all, Zhao Fusheng had never cooperated with Pangu Group before, and now he dared to ask for one hundred million US dollars outright—it was quite a bold request.

"No problem." Unexpectedly, Chen Youhan agreed readily.

Zhao Fusheng was stunned, looking at the old man in surprise, and even Chen Zhishen looked at his father with considerable astonishment.

"Sir, don't you want to think it over?" Hesitating, Zhao Fusheng still spoke to Chen Youhan.

"Think about what?" Chen Youhan glanced at Zhao Fusheng with a half-smile. "Do you think Pangu Bank can't afford to lose this money? Or do you think I, an old man, can't afford to lose it?"

"No, no, I absolutely didn't mean that." Zhao Fusheng waved his hand repeatedly.

Both Chen Youhan's age and his life experience were enough for Zhao Fusheng to maintain sufficient respect for him.

"Then it's settled." Chen Youhan made the final decision.

He paused and asked with a smile: "To be honest, is one hundred million enough?"

What?

At these words, both Zhao Fusheng and Chen Zhishen were dumbfounded.

Zhao Fusheng was surprised, Chen Zhishen was astonished; both stared at Chen Youhan with wide eyes.

If he didn't know that his father was always healthy and virtuous, and that the age gap with Zhao Fusheng was too large, Chen Zhishen might even have suspected that this kid was his illegitimate half-brother.

This treatment was simply too generous!

In fact, even Zhao Fusheng himself was completely bewildered at that moment.

Initially, Zhao Fusheng had worried that Chen Youhan might think he was asking too much and cut the one hundred million US dollars in half.

After all, in lending, products are never valued at one hundred percent of the collateral's original price.

Simply put, normal mortgage loans are generally around seventy percent of the valuation, with another discount applied.

For example, if Zhao Fusheng had something worth one million and took it to the bank for a mortgage loan, they would at most value it at seven hundred thousand, and then only lend about seventy percent of that.

In other words, for something worth one million, the loan received wouldn't even be five hundred thousand.

This was under normal procedures. If he had offended someone, a loan of two or three hundred thousand for something worth one million wouldn't be impossible.

The reason Zhao Fusheng had Chen Youhan review the materials of Future Investment, Future Advertising, and Future Film, and only asked for a one hundred million US dollar loan, was precisely this.

After all, Future Investment alone had over one hundred million US dollars in cash. The two million shares of NetEase stock it held were already worth over one hundred million US dollars as NetEase's stock price rose to sixty dollars per share.

Adding the assets of Future Film and Future Advertising, as well as Tencent Technology stock and Kaixin.com held by Future Investment, Zhao Fusheng's net worth actually exceeded three hundred million US dollars.

But he never expected Chen Youhan to ask him whether one hundred million US dollars was enough.

"If you're short on funds, I think one hundred million is a bit low. How about three hundred million?" Chen Youhan said to Zhao Fusheng with a slight smile.

Zhao Fusheng blinked, almost thinking he was dreaming or hallucinating.

For the first time, he felt he had underestimated the heroes of the world.

Having been smooth sailing in China, he had met a few so-called big shots and thought they were already impressive enough.

But this time, Zhao Fusheng truly witnessed what it meant to have an awe-inspiring demeanor.

If it weren't for the Chen family's reputation and Zhao Fusheng's knowledge of Pangu Bank's history, he might have suspected that this old man had some conspiracy waiting for him.

"Uh..."

Zhao Fusheng hesitated, unable to speak for a long time.

There was no help for it; this matter was simply beyond his expectations.

Seeing Zhao Fusheng's reaction, Chen Youhan chuckled. To be honest, from the start, Zhao Fusheng's performance had surprised him—calm and steady, unlike a young man his age, more like an old hand.

But now, seeing him so hesitant, Chen Youhan felt even more that his decision was correct.

"Of course, I do have conditions." Looking at Zhao Fusheng, Chen Youhan slowly spoke.

At these words, Zhao Fusheng perked up.

Although he was grateful for Chen Youhan's generosity, to be honest, such unearned help made him feel uneasy.

It wasn't that he didn't trust Chen Youhan, but in Zhao Fusheng's view, such a favor was actually the greatest constraint on a businessman.

Sometimes, debts of gratitude are hard to repay; straightforward transactions are simpler.

"My condition is simple: from now on, the capital flows of your overseas assets must go through Pangu Bank. How about it?" Chen Youhan looked at Zhao Fusheng and said word by word.

Zhao Fusheng was startled, a bit puzzled, but then understood Chen Youhan's meaning.

His current assets, aside from those in China, also included considerable holdings abroad. After all, someone investing in the internet industry couldn't always keep their focus limited to China.

In other words, Chen Youhan was betting that Zhao Fusheng would eventually shift his business focus overseas.

At that time, as his sole partner, Pangu Bank would surely receive far greater returns than what it was giving now.

To be fair, Zhao Fusheng truly admired Chen Youhan's foresight. No wonder the Chen father and son had become Thailand's richest family and developed Pangu Bank into the country's largest bank.

True businessmen always look to the future, not just the immediate gains.

Short-sighted people only care about immediate profits, while truly smart people focus on the future.

Chen Youhan was naturally one of the truly smart people.

What he valued was the future benefits Zhao Fusheng could bring to Pangu Bank, not the three hundred million US dollars he was giving now.

Zhao Fusheng understood this clearly, which was why he sincerely admired Chen Youhan. After all, the other party could see his potential, making him a man of his time.

"I accept this condition."

After pondering for a moment, Zhao Fusheng nodded to Chen Youhan: "Sir, I hope we have a pleasant cooperation in the future."

Chen Youhan squinted and smiled: "Good, pleasant cooperation."

The rest was simple. Chen Zhishen called someone in and gave orders. Naturally, Pangu Bank staff and Jerry's team handled the contract signing. When the contract was brought in, Zhao Fusheng and Chen Zhishen each signed, and the deal was done.

"Forgive me for asking, but I'm curious: what is your goal?" When only Zhao Fusheng and the Chen father and son remained in the office, Chen Youhan looked at Zhao Fusheng and asked with a smile. "You don't have to say; I'm just curious."

Zhao Fusheng shrugged: "Nothing much. I just think that the internet industry and real estate in the US still have another two or three years of boom, and I plan to make a little money."

Hmm?

Hearing this, both the Chen father and son were stunned.