From Inheriting a Small Factory to Becoming a Global Financial Tycoon

Chapter 23 Formulating a New Plan

Lin Haoran carefully reviewed the stocks he currently held and estimated the capital flow over the past month. During this month, he had not only invested his personal 1.5 million Hong Kong dollars into the stock market but also raised 50 million Hong Kong dollars through a loan. Aside from withdrawing 500,000 Hong Kong dollars for the tea fee, the remaining 49.5 million Hong Kong dollars had been fully deposited into the bank account linked to the stock trading account. Therefore, his actual total investment into the stock market amounted to 51 million Hong Kong dollars.

Specifically, over the past month, he had successfully purchased 6.45 million shares of Green Island Cement. With the average stock price rising to 4.96 Hong Kong dollars per share, this investment had consumed approximately 31.99 million Hong Kong dollars. As for Wharf Holdings, although the acquisition only started five days ago, he had already bought 387,900 shares at an average cost of 23.05 Hong Kong dollars per share, spending about 8.94 million Hong Kong dollars. Adding up the investment in these two stocks, the total expenditure had reached approximately 40.93 million Hong Kong dollars. This meant that Lin Haoran currently had about 10.07 million Hong Kong dollars in available funds.

This mere ten million Hong Kong dollars was obviously insufficient for his ambitious future plans. After all, his investment blueprint was not only aimed at continuing to increase his holdings in Green Island Cement but also at acquiring more shares of Wharf Holdings. Considering that he would later need to rely on profits from trading Wharf Holdings stock to repay the massive loan, the current available capital seemed severely inadequate. Therefore, how to efficiently utilize every penny became a pressing issue that Lin Haoran had to carefully consider next.

How could he raise more capital? Lin Haoran quickly came up with an idea. His gaze focused on the Green Island Cement shares he held. Recalling the agreement he had previously made with Yang Changdao, he had promised that after acquiring enough shares, he would mortgage about 20 million Hong Kong dollars worth of stock to Yumin Finance Company. However, the agreement had a six-month deadline, meaning he still had ample time to operate. Since the half-year deadline was still far away, Lin Haoran was in no rush to mortgage his stocks to Yumin Finance Company immediately. Instead, he saw an opportunity to use these stocks as leverage to obtain additional financing and expand his investment further.

Based on his understanding of Hong Kong's stock market, there was currently no mechanism like margin financing based on stock holdings, which would only emerge in the late 1980s. Since the market itself didn't provide direct leverage, Lin Haoran decided to create his own leverage effect. He planned to use the Green Island Cement shares as collateral to obtain financing from financial institutions or private investors, thereby expanding the scale of his stock investments. Through this method, he could indirectly achieve the effect of leveraged investment—using a smaller amount of his own funds to control larger assets.

For others, this strategy might carry considerable risks. But Lin Haoran, who knew the history of the Wharf Holdings stock battle, understood there was no real risk here. In the massive market of Wharf Holdings, the tens of millions he was about to invest would be but a drop in the ocean, incapable of shaking its stable position or overall trajectory. Therefore, he decided not to rush into fulfilling his agreement with Yumin Finance Company. Instead, he would make the most of the current stock price fluctuations and potential growth opportunities to maximize the utility of his resources and lay a solid foundation for his future stock market maneuvers.

Since he would need to sell Wharf Holdings stock in the coming months, it was obviously unsuitable to use it as collateral. Given this reality, Lin Haoran could only use his Green Island Cement shares for the mortgage. Currently, the market value of his Green Island Cement holdings had exceeded 30 million Hong Kong dollars. With such high-quality collateral, he expected it would be easy to secure a loan of more than 30 million Hong Kong dollars from financial institutions. Once he finalized this strategy, Lin Haoran's concerns completely disappeared.

He planned to simultaneously advance the investment strategies for both Wharf Holdings and Green Island Cement, with the two complementing each other and jointly driving his wealth growth. Lin Haoran was very confident that through meticulous planning and steady operations, he would achieve ideal returns on both stocks.

Putting down his notebook, Lin Haoran noticed that Su Zhixue had not yet left and gently said, "Zhixue, you should go home now. Your son is at a critical stage of recovery. Having another person at home to take care of him will help him recover faster. Go back early, and spend time with him."

Thinking back to two weeks ago, when Su Zhixue's son underwent a successful surgery and entered a careful recovery period, Lin Haoran had been very understanding. Every day after the 4 PM market close, he would encourage Su Zhixue to leave early so he could dedicate himself fully to his family. After all, since he hadn't officially founded a company yet or established strict company regulations, there was no need to be rigid about management.

"President Lin, then I'll head home first. Thank you," Su Zhixue said gratefully as he left.

Once Su Zhixue was gone, Lin Haoran sat alone in the office, lost in thought.

Clearly, if he wanted to use his Green Island Cement shares as collateral for a loan, it would be unwise to approach Yumin Finance Company again.

So, which bank or financial institution would be suitable?

Without a doubt, the largest financial institution in Hong Kong was Huifeng Bank.

If he wanted to establish himself in Hong Kong, he would eventually need to build a good relationship with them.

Furthermore, securing a loan from Huifeng Bank would be more convenient since they had stronger cooperative resources.

Of course, their lending procedures would be much stricter and more formal—unlike Yumin Finance Company, which had casually lent 50 million Hong Kong dollars against a mere 10+ million in collateral.

Another concern was that Green Island Cement was also a British-funded enterprise.

If he directly approached Huifeng Bank for a loan to increase his stake in Green Island Cement, it could risk exposure and bring unnecessary trouble.

At present, Lin Haoran had no intention of revealing that he had become the major shareholder of Green Island Cement.

He preferred to maintain a low profile to avoid attracting too much market attention, which would allow him to advance his investment plan more smoothly and reveal his position at the right time.

However, if he could personally negotiate with Huifeng Bank's senior executives—especially with the taipan, Shen Bi—perhaps these concerns could be alleviated.

Someone at Shen Bi's level would usually be very discreet and professional.

For a company the size of Green Island Cement, they wouldn't jeopardize their reputation over minor leaks.

The only question now was whether a loan of 30 million Hong Kong dollars would catch Shen Bi's attention.

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