Chapter 0095 fully repays the interest of depositors, this is the pattern of the richest man in Xiangjiang!?
Many people understand the truth.
Everyone knows that with high-quality assets, you can make a lot of money by lying down and collecting rent.
Everyone knows that staying up late is not good for your health, why stay up late, is it because you like to stay up late?
It's not just because of inability.
Li Jiacheng also knows that having a bank is actually conducive to the development of his own business scale, but why not take down a bank? Is it because he doesn't want to? Not because he is not strong enough?
At this time, Li Jiacheng also knew that Lin Fei had definitely picked up a huge bargain.
As long as he gets through this difficulty, in the future, Lin Fei's career will definitely explode by leaps and bounds.
Although Lin Fei's total assets now seem to be far from his own, the cash flow in his hands is too much, and there is a Feilong Communication who gives him blood transfusions all the time, which leads to Lin Fei being able to hold on, and there are more idle funds to acquire more assets.
Envy is envy, but Li Jiacheng knows very well that he just doesn't have this strength now.
Even if you can buy this bank directly for zero yuan, you can't cope with this run frenzy.
And Lin Fei has this strength.
......
......
Hong kong
At this moment, the Wyvern Group
Lin Fei is presiding over a high-level meeting.
In the high-level conference room, there is also an extra guy.
His name is Lei Chao.
26 This guy is a mid-level cadre at Hang Lung Bank
After getting off Hang Lung Bank, Lin Fei immediately started chatting with each of the middle-level cadres and asking them their views on the bank's development.
Drop by and take a look at their resumes.
Lei Chao fell into Lin Fei's sight.
Chinese New Year's Eve is thirty-five years old.
Studying in the United States, the ability is also quite good.
This group of high-level executives of Hang Lung Bank, Lin Fei was not polite at all when he made his move, he got out of the box if he should get out, and went to jail if he should go to jail.
Then, Lei Chao was quickly promoted.
Now it seems to be the top management of the Feilong Group.
Lin Fei looked at everyone for a long time, looked at Lei Chao and asked, "Ah Chao, can you introduce the details, can you turn losses into profits within 3 years?"
Lei Chao settled down, he suddenly became a high-level executive, and was appointed as the general manager of Hang Lung Bank, at this time, there was more or less a drum in his heart, but he still took a deep breath and said: "Turning losses into profits within three years should not be a problem for Hang Lung Bank, but the premise is that the market in Xiangjiang also needs to be restored to a certain extent!"
After a pause, Lei Chao continued: "In addition, the banking business must focus on the banking business, Hang Lung Bank has some non-banking business, these non-banking businesses seriously restrict the development of the bank, such as low-interest loans to the enterprises invested by Hang Lung Bank, these are not subject to any review and inspection, in addition, the nepotism within the bank is also very serious, their own relatives loans, low-interest loans, and some high-level people in the pockets, after the loan, deliberately let some enterprises go bankrupt and liquidate, so as to escape with the money!" "
The more you talk about it, the more shocking the crowd feels.
This Hang Lung Bank is simply full of loopholes.
"The reward and punishment mechanism is not obvious!" Lei Chao continued to speak seriously: "The lack of clarity in supervision has led to so many problems in Hang Lung Bank!"
"It's okay!" Lin Fei said with a smile.
Qin Wenning couldn't help but say, "Boss, is this okay? Isn't this a problem everywhere?"
"The company can see the problem, this is a good thing, if we encounter a problem, we can solve the problem!" Lin Fei said with a smile: "The most feared thing is that we can't find any problems at all, everyone, don't worry, isn't the reward and punishment system not good, isn't it the lack of supervision, then we will deal with these problems!"
In the banking crisis in Hong Kong, the loss of money caused by the bank's investment in non-banking business was a big inducement
Hang Lung Bank is no exception, the real estate projects it has invested in have suffered a lot of losses, and with the collapse of land prices, all problems have been exposed, and foreign investment accounts for a large part of the cash flow.
Lin Fei thinks that the situation is okay, that is because these loopholes and various operations have not dragged down Hang Lung Bank, if it were not for the outbreak of this crisis, the momentum of Hang Lung Bank is still very good, and the internal moth is enough to completely collapse Hang Lung Bank.
Although these moths are hateful, the impact is actually two or three percent.
What really affected Hang Lung Bank was its blind investment and its entry into the real estate business.
In the previous life, Hang Lung Bank finally recovered 1 billion Hong Kong dollars of bad debts, which accounted for more than 50% of the entire Hang Lung Bank's bad debts.
In the end, these people will still pay off part of it.
After a pause, Lin Fei said: "Now, listen to me, first, completely divest the other businesses of the bank, focus on the bank's own business, invest in the company, invest in real estate, and invest in the business, all of which are divested!"
Speaking of this, Lin Fei glanced at Qin Wenning and said, "A-Ning, I'll leave this matter to you to deal with!"
Qin Wenning quickly spoke: "Understood!"
"Second, do a good job in the business evaluation system, Ah Chao, I know you think a lot, you come to sort out a plan, do a good job of evaluation for the banking industry, followed by the reward and punishment mechanism, the supervision system, you do a good job for me, get a charter, everyone take a good look!"
"Third!" Lin Fei said lightly: "All the depositors who rule, as long as there is money in Hang Lung Bank, we recognize the interest on this money, and if their fixed deposits are withdrawn in advance, then as long as they are deposited, we recognize the interest!"
Qiao Jiakang's eyes widened and said, "Boss, in this way, we will lose at least 70 million!"
Lin Fei shrugged: "It's only 70 million, for us, it's nothing at all!"
Final word.
There was no rebuttal either.
Lei Chao supported Lin Fei's view.
At this time, faith is more important than anything else.
To tell the truth, although Hang Lung Bank is very large and claims to be the third largest Chinese-funded bank in Xiangjiang, it has already had a big impact in this round of runs, and the entire bank has begun to collapse.
Although Lin Fei took over, his influence was not without influence.
The entire Hang Lung Bank has also lost more than 40% of its depositors, and these depositors will not only not deposit their money again, but they can't stand Lin Fei's money, and promise that I can repay all the interest you lost, as long as you continue to deposit money.
Basically, Li Fei just relied on the influence of the Feilong Group to appease the minds of the citizens of Xiangjiang. 、
Now that the media has given himself the title of the richest man in Xiangjiang, Lin Fei naturally has to make good use of this to absorb depositors and stabilize their losses.
As long as they have no losses, as long as this group of depositors is stable, then they can also build up their own credit.
In this wave, Lin Fei basically had to take out an additional interest expense of nearly 70 million Hong Kong dollars.
This amount of money is nothing to Lin Fei at all.
Credibility is everything.
In addition, it was announced to the outside world that he had injected two billion, and Lin Fei basically took out real money.
If the Xiangjiang government is changed, they can come up with 300 million, that's because it is the government, the government is the back, and if it really doesn't work, it can still be relied on, and if 300 million can't save Hang Lung Bank, then if it doesn't save it, it will be regarded as throwing off the burden.
Lin Fei can't, he needs to give the market a strong enough signal.
I, Lin Fei, am the savior.
And the effect was immediate.
Hang Lung Bank immediately began to form a long queue.
This time, though, it's saving.
And Lin Fei also specially arranged for Asia Television to conduct an interview.
In addition, Lin Fei began to mobilize the media.
The fourth power is in their own hands.
Say whatever you want, just say it.
It is nothing more than the richest man in the world, and how grateful the people of Xiangjiang are. (If you read a violent novel, go to Feilu Novel Network!)
Shocked, this is the pattern of the richest man.
Repay the interest of all depositors, this is the pattern that the richest man in Hong Kong should have.
In short, Lin Fei is not bad for money, he is rich, he can carry out the bottom line, and he can bring 210 hearts.
Depositors who lost money have largely returned, and in addition, there has been a slight increase in depositors.
......
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Philippines, the banker's estate
"What?"
Zhuang Rongkun suddenly roared angrily: "Lin Fei, a street boy, didn't spend a penny?
Zhuang Qingquan smiled bitterly and said: "That's the case, the Hong Kong government has officially announced that it will transfer Hang Lung Bank to Lin Fei, and at the same time, the Hong Kong government also hopes that all the citizens of Hong Kong can rest assured that Feilong Group has the ability to pay the deposits of all the citizens of Hong Kong!"
Zhuang Rongkun suddenly became angry: "The bank we worked so hard to run was given to Lin Fei for nothing?"
Zhuang Qingquan nodded and said, "It seems to be like this!"
Zhuang Rongkun asked, "What is Hang Lung Bank like now?"
Zhuang Qingquan said helplessly: "Lin Fei officially announced that Feilong Group will inject two billion yuan, and I hope that all Xiangjiang citizens can rest assured that Feilong Group can definitely pay all the arrears of Xiangjiang citizens!"
Zhuang Rongkun felt a wave of dizziness.
"In addition!" Zhuang Qingquan continued: "Lin Fei promised that everyone had withdrawn their money in advance before, and now as long as they take the deposit slip and return to the bank to re-handle the business, the bank will still pay interest according to the original standard!"
"Ruthless, really ruthless!"
Zhuang Rongkun gritted his teeth: "Lin Fei, this bastard, this is to let all the depositors re-deposit, this is to stabilize the depositors, this bastard, he is really rich, he is really rich!"
Zhuang Qingquan suddenly spoke: "Brother, you say, Lin Fei, this bastard, does he have any illegal transactions with the officials of Xiangjiang?"
"You mean, this guy is in collusion with government officials!" Zhuang Rongkun said suddenly.
"That's right!" Zhuang Qingquan said quickly: "Otherwise, why did Lin Fei take down Hang Lung Bank, brother, I think Lin Fei, a rabbit cub, must have colluded with these officials, can we report it?"
Zhuang Rongkun nodded quickly: "Yes, report this kid and go to ICAC!".
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