January 16th is the first day of the twelfth lunar month, so Nanhua still uses the national and lunar calendar.

Two million pounds, an annual interest rate of 6%, and repayment in five years is still a considerable profit. Besides, the money is also in the UK, so on the 16th, Liu Yiming and Charles finalized their cooperation intention, and the ship construction work officially began.

The specific loan contract is waiting for the person in charge of the Far East of the British Imperial Bank in the Straits Settlements to come and sign it, but it is just a formality and Liu Yiming will not regret it.

"Charles, I want to continue borrowing money, using the income from light chemical products as collateral, as well as tung oil, gold and silver mines, and of course, everything is a commercial loan." Liu Yiming thought big, no matter if it was the remaining three hundred

Thousands of pounds of equipment, raw materials and technology, as well as the upcoming currency unification, will require a large amount of funds.

Nanhua's funds are only enough to do one thing. In peacetime, it's okay. If the money is not enough, then it will be the same. But now is not a time of peace, and it cannot speed up development. Not to mention the Dutch, everyone wants to bite you.

"Of course!" Charles felt that serving overseas was the right choice for him. Not only would he get promoted quickly, but he would also make money quickly. Whether it was a warship order or a loan, he would have money.

"I will help you contact the appropriate bank and give you the best interest rate. How much do you want?" Charles smiled like a fox.

"The more, the better!" Liu Yiming didn't know how much he could borrow or how much he could borrow.

"Good brother! Don't worry when I do things!" Charles held Liu Yiming's hand and refused to let it go.

After seeing off Charles, Liu Yiming went to meet with Americans, the steel bosses who wanted to sell the steel plant.

"I've been waiting for a long time, gentlemen. I just concluded a five million pound business deal with a British friend and wasted some time." Liu Yiming said vaguely.

"Where." Sure enough, they were shocked by the five million pound order, which was equivalent to twenty-five million US dollars. They were not that rich at their peak, except of course the bankers.

"Sit down, please, and let's talk about the business between us." Liu Yiming saw that the Americans had all stood up and said.

"First of all, let me introduce myself. My name is Ross, Ross Monte. On behalf of the U.S. steel industry, I would like to express my greetings to Mr. Liu." Ross took off his hat.

"Mr. Ross, I think your time must be valuable. Let me put it this way, I have some thoughts on your proposal. Three coal and steel complexes with an annual output of 300,000 tons of iron, 300,000 tons of steel, and 200,000 tons

Rails. And corresponding mechanical processing equipment." Liu Yiming picked up the plan and sat like your client.

"I'm very interested. But I think we can talk about something we are both interested in." Liu Yiming did not answer directly and said instead.

"I don't know what you mean?" Ross didn't quite understand what Liu Yiming meant.

"I just paid five million pounds, and I don't have much money left in my hand. I hope to get a loan." Liu Yiming said.

"Loan?" Ross was stunned for a moment, then looked at the middle-aged man next to him unconsciously.

"Hello, Mr. Liu, my name is Richard. I don't know how much loan you want and what kind of mortgage you want? How to pay it. With all due respect, you are just a country that has just been established and may disappear at any time..." Called Richard

The middle-aged man in Germany glanced at Ross, stood up and said.

"Hello, I will give you confidence in this. Before that, I would like to know who you represent? What is your relationship with Ross?" Liu Yiming asked curiously.

"My full name is Richard Mellon, representing Mellon Bank. As for Ross, we have a business relationship. For some reason, these people all have business relationships with our bank." Richard said.

Mellon? One of the largest financial groups in the United States at the moment, but I don’t know if Mellon has developed to the point where it controls 1/3 of the national wealth of the United States at this time.

"It's an honor to meet you, Mr. Richard." Liu Yiming suddenly became much more enthusiastic.

"Um, I'm sorry to interrupt, Mr. Liu, do you think about the acquisition of the steel plant?" Ross intervened bravely. He didn't want to, but if he didn't sell it, he would be scolded.

"Draw up a contract, but those things are only worth three million US dollars." Liu Yiming said to Ross with a smile.

"What? Mr. Liu, this is too low. We are already selling it at 30% off the original price. This is impossible." Ross said loudly. In fact, he will sell it as long as he can make money. He just wants to sell it higher.

"But it has been used, and it is now a buyer's market. Wherever you put it, it will only break down in the end, and you won't get three million. You can discuss it among yourself..." After Liu Yiming finished speaking, he invited Richard Mei

Long went into the office to talk.

"Mr. Richard, I have heard of your name, but I really can't figure out why you are here?" Richard Mellon, the nephew of the old Mellon and the head of the second generation Mellon, but now it seems

, living a normal life...

"To be honest, I'm just here to try my luck. Let's talk about the loan. How much interest can Mr. Liu accept?" What can Richard say? He works behind his uncle.

As my cousin grew up, he was marginalized. This time he was sent to deal with the steel industry. The steel industry is a marginal industry of the Mellon Consortium, especially now that there is a surplus of rails and steel plants are closing down...

"Annual interest rate is 4%, long-term loan." Liu Yiming didn't think that much about Richard, but he also knew that he was not Mellon's child. The dramatic thing is that Mellon's children would rather guard the library than take over the consortium, so

Finally, Richard took over and became the second generation head of the consortium.

"Mr. Liu, this is too low. Maybe it can be loaned to other countries, but your country can't even maintain stability. Besides, can you make the loan?" Richard asked.

Because Liu Yiming is not the president, nor the prime minister, and the general election has not yet been held in Nanhua, Liu Yiming plans to delay it until three years later, after the first and second batches of administrative villages are established, and then hold the general election. Therefore, he only has the national defense on his head.

The title of minister is the commander-in-chief of the navy and army, so Richard has this problem.

"The chairman has granted me the right. Since there is no Ministry of Foreign Affairs, I am also responsible for foreign negotiations. This is a cooperation intention signed by me and my British friends. The British are willing to lend money, but it is too harsh, so I hope to find someone to

A more tolerant creditor." Liu Yiming said.

The purpose of presenting the loan contract was to guarantee the matter with Britain. Britain was the boss at this time. With Britain's endorsement, even if Nanhua failed, the new country would have to inherit the debt, otherwise the British would take it themselves.

"Such a low interest rate will definitely not work! Just like the UK, 6%, the time cannot be less than five years, and international practice is 90% actual payment." Richard said.

"Friend, you are greedier than the British. At least they didn't ask me for a 10% handling fee. If you insist, then this negotiation will end here." Liu Yiming said and made a move to stand up.

"Wait a moment, Mr. Liu!" Richard's face turned dark. Why is Britain like this? Isn't this trying to trick me secretly?

"I agree with your proposal! Let's talk about what you use as collateral!" Richard said.

"Grain exports, pepper, and teak. The latter two have annual profits of two million pounds, all of which belong to the government. The export price of the former is five pounds per ton. In 1891, it is expected to export two million tons." If possible, Liu Yiming would stop this.

As an export method, teak plays a great role. The value of processing and re-export can be doubled several times. This is especially true for grain. When it comes to making wine, whether it is selling wine or alcohol, it plays a great role.

"I think I need to see the real thing." It was obvious that Richard had no right to make a decision.

"Yes, I'm just going to tell you first what I'm going to use as mortgage for these things. I hope to mortgage 30 million US dollars, of which 15 million will be used to purchase equipment in the United States. In addition to steel equipment, it also includes two shipyards.

A complete set of equipment, as well as a set of oil mining and refining equipment. In addition, thank you, the factory needs to be responsible for training workers, and I need to send international students to study in the United States. I hope Mellon can provide convenience." Liu Yiming said his request.

"Thirty million dollars!" Richard was frightened. Is this small country crazy?

"Don't worry, these things are worth the price. At present, these are still in my hands, only six million pounds. If you agree, make a decision early. I have already proposed the same conditions to the UK. I don't need more.

funds." Liu Yiming said.

If this loan is established, Liu Yiming will be saddled with a debt of 11 million pounds and an interest rate of 6% per year, which is ultimately equivalent to 14.3 million pounds. However, Liu Yiming will control the repayment date before 1895, because after that, the price of silver will halve, and the pound will correspondingly

Appreciation, when the time comes, borrow a sum of silver from international futures to repay the debt, wait until 1895, and then pay it back, which is equivalent to paying back only 8.17 million pounds. This is the benefit brought by forward-looking!

"Secretary Wang, this is my secretary. He will take you to see the granary, pepper fields, and teak forests. Most of these belong to the government property." Liu Yiming called Staff Wang as his secretary and took Richard to see Liu Yiming's payment.

The confidence, including the golden trophy that accidentally leaked out.

"Counsel Yang, what else is on your recent schedule?" Liu Yiming asked after seeing off Richard and his party.

"The engine factory has encountered problems in the production of gasoline and diesel engines and hopes to get technical guidance."

"Okay, let's go today!" These two things, plus the generator, are the core competitiveness in the next sixty years. One of the two cores that Liu Yiming attaches most importance to. The other is population.

Just when Liu Yiming arrived at the Sishui Engine Manufacturing Factory, outside Sishui City, at Liu Yiming's first chemical production base, a fat man danced excitedly in front of a row of petri dishes.

"Found it! I found it!" Wang Wei, the fat man dancing happily, didn't know what he had found.
Chapter completed!