Reborn in Hong Kong: The Tycoon Grows Up

Knowing that the matter was beyond his ability, Ershao Zheng thought that he could not report to his father in the company yet. If he gets angry directly and affects his normal work, then his sin will be even greater. But with so many brothers and sisters at home, he was the only one involved in the whole thing; if he got angry, he would definitely bear the brunt.

After He Saiyun's persuasion, she decided to go home and report in the evening. After all, some things have to be faced sooner or later, and they will always be stabbed, so it is better to explain the problem clearly as soon as possible. And the sooner dad understands the problem, the better he can find countermeasures in advance.

In recent days, Zheng Yutong has been in high spirits. He is the only one who combines the five real estate giants in Hong Kong and the jewelry tycoon. Now it has successfully acquired a bank, allowing it to enter the financial field. In the future, the Zheng family will have more financing channels, and they won’t even have to worry about funding issues.

Seeing the second son with a sad face when he returned home, Zheng Yutong was so angry that he didn't express his anger. This time should be a day of celebration, not a day of mourning for him. What would outsiders think when they see my son like this? You are simply embarrassing yourself. Could it be that you have a conflict with your girlfriend? It's really possible that this kid has true feelings.

Zheng Yutong: "You don't want to make your family happy when you go home, do you? A real man has been made like this by a woman. Don't say that he is my son, Zheng Yutong. I can't afford to embarrass that person by following you."

Hearing what his father said, Er Shao Zheng reacted immediately. I really thought what happened to me by a woman! How is it possible? Who is he? He has always dumped others; it's really not the girl's turn to dump him.

Second Young Master Zheng thought for a moment and said, "Dad, we were deceived by Qiu Degen."

When Zheng Yutong heard his son say that he had been deceived by Qiu Degen, he instinctively thought it was impossible. How could she possibly deceive him when she was cornered by Bao Yugang. Qiu Degen has always done business seriously, and I have never heard of him deceiving anyone.

Zheng Yutong: "What do you think about every day? Do you feel that managing the bank is too stressful? If you are not capable, let your sister or elder brother manage it. Don't be suspicious all day long and embarrass the family."

He didn't believe it. It seemed that he could only speak with facts, otherwise Dad would definitely fall silent in his sweet dream. Everyone in the family knows what Zheng Yutong thinks. If you want to build the Zheng family into a family that specializes in jewelry, real estate, banking, mining, and high technology, there is only one imaginary enemy, and that is the Heiyun Group.

Of course he would not admit that he was deceived now; the bank acquisition was a crucial step for the Zheng family, and it was the time to promote the Zheng family's strength to the people of Xiangjiang, so how could he be deceived.

Mr. Zheng said with a serious expression: "Qiu Degen has hollowed out the Far East Bank, and the 18 branches in Southeast Asia were separated as early as two years ago. There is no affiliation with the Hong Kong Far East Bank at all. Both parties are at best partners."

"Far East Bank is called Hong Kong Far East Bank in Hong Kong, but the company registered in Southeast Asia is called Nanyang Far East Bank. What we are acquiring now is Hong Kong Far East Bank, which does not include its business in Southeast Asia at all. In other words, Zheng's If banks want to enter the Southeast Asian market, they must reorganize branches, otherwise they have no other choice."

"And it is now impossible to acquire those 18 branches. Heiyun Bank has taken a step to the rescue. At present, Heiyun has sent managers in and started to connect with the Xiangjiang headquarters."

"At the same time, Nanyang Far East Bank stated that it will no longer cooperate with Zheng Bank. In other words, we have lost a generation of business in Southeast Asia."

Zheng Yutong was extremely angry when he heard that Qiu Degen was playing this trick with him. He must seek revenge when he finds an opportunity. The Zheng family has never suffered such a big loss.

Seeing that his son was hesitant to speak, Zheng Yutong said angrily: "If you have any other problems, tell me all at once. I'm not that fragile and the sky can't fall."

After all, he is a tycoon-level person, and his mental endurance must be much stronger than others.

This is why Second Young Master Zheng dared to go home and report, because he believed that his father's mental quality could definitely bear it.

Zheng Ershao: "The split of Far East Bank is just a small problem. As long as we are willing to spend money, we can still build a new branch in Southeast Asia. After all, Far East Bank still retains the banking licenses of various countries in Nanyang, but it will take some time and energy."

"But Hong Kong Far East Bank has a bigger problem, at least in terms of lending, there are too many irregularities."

"Hong Kong Far East Bank has a total loan of HK$12 billion, of which 10 billion may not be recovered."

Hearing that 10 billion in bank loans could not be recovered, not only Zheng Yutong, but the entire Zheng family could not sit still. What kind of concept is this? It requires the Zheng family to invest 10 billion Hong Kong dollars in real money to put it into it.

Zheng Yutong said nervously: "If this was the case, Far East Bank would have collapsed long ago and would not be able to survive now. Moreover, Qiu Degen's business has always been very stable, and there should not be so many bad loans."

In fact, signing the contract without thorough investigation has a lot to do with Qiu Degen's usual business strategy. Xiangjiang's economy has developed rapidly in recent years, and many people have entered the real estate industry to make money. The Qiu family only builds some hotels and tourism projects, and does not touch real estate at all. As a result, they did not keep up with opportunities and their development lagged far behind other families.

You must know that 20 years ago, the Qiu family was much stronger than the five real estate tigers; the current situation has a lot to do with Qiu Degen's step-by-step strategy.

How could such a person not investigate clearly before taking out a loan? A 10 billion loan of 12 billion cannot be recovered. What kind of concept is this? If you open a bank like this, your family business will have been ruined long ago.

Seeing everyone in the family looking at him, Er Shao Zheng knew that he must explain the matter clearly, otherwise he would not be able to calm down tonight.

Er Shao Zheng said in a lively tone: "The problem is that Qiu Degen did this deliberately to set a trap for our Zheng family. He used high-quality loans from Far East Bank in exchange for non-performing loans from other banks. And the dates were all the day before our family acquired the bank."

"That is to say, we started to deal with this matter before the negotiations with my father were completed, or even before the negotiations. After all, the Qiu family has been running banks for many years, and they must know the heads of the major banks in Hong Kong."

"Now, of course, people will agree to exchange high-quality loans for bad loans from other companies. They will even give high subsidies. After all, the loans exchanged are basically unrecoverable; some even the lenders have passed away. And the loans exchanged back, They are all reputable companies and individuals.”

"Not only will it not be a burden, but it will also add a stable customer. In short, if the bank wants to come back to life this time, it will need to invest at least HK$10 billion."

After that, he handed over a copy of the bank loan and an analysis report on each loan to Zheng Yutong.

At this time, Zheng Yutong couldn't care less about his demeanor and started to look at it immediately.

Fortunately, bank loan contracts have a unified format, so you only need to look at the specific amount. The main thing is to look at the analysis report. After all, he doesn't understand the specific situation, so he still needs to look at the analysis of professionals.

He Saiyun's professional ability is definitely not bad; after all, she has a good family background and graduated from a prestigious school. Therefore, the analysis of each loan was very thorough, and at least Shardantong could not find any faults.

Some lenders’ status shows that they are deceased and their family members have immigrated. How can such loans be recovered? Some of them are serving their sentences in prison and do not have any relatives.

There are indications that this is a big hole. Qiu Degen wanted to trick him into death. Considering the previous attitude of the other party, it turned out that the old boy had already planned it.

Qiu Degen and Pao Yugang were from the same hometown. Could it be that there was also a charter king involved? They were acting for him before. The more he thought about it, the more likely it was. At this time, Zheng Yutong began to doubt everyone around him.

Although he successfully entered the banking field, the price was too high. The Zheng family can afford 10 billion Hong Kong dollars, but it will affect many major projects. And no matter who it is, they will not feel comfortable if they are cheated of 10 billion Hong Kong dollars for no reason.

Seeing the professional analysis report on the loan, Zheng Yutong immediately thought of something, so he said: "Who made this report? It should be your new lawyer girlfriend!"

At this time, the family members, especially Mrs. Zheng, were also very surprised. After all, everyone in the family knows what Mr. Zheng is like. Unexpectedly, he quietly got a lawyer girlfriend; it seems that he has grown up and knows what kind of woman is more suitable for him.

Second Young Master Zheng did not speak, but nodded slightly and gave an affirmative answer.

Zheng Yutong: "What is her opinion?"

Zheng Ershao: "You can file a lawsuit against the Qiu family, but it is unlikely to win the lawsuit, but it is not hopeless at all. There is also a direct application for bank bankruptcy to minimize the loss. The other option is to spend 12 billion Hong Kong dollars funds to revitalize banks; and then actively develop first-generation business in Southeast Asia."

"As Asia's financial center, Xiangjiang has a strong ability to radiate to surrounding countries. We can fully use this advantage to develop and expand the bank."

"Currently, for European business, customers will first choose HSBC; for mainland China business, they will choose Heiyun; for U.S. business, they will choose HSBC and Heiyun; for Japanese business, they will choose Sumitomo Bank and Heiyun Bank."

"Although Heiyun Bank successfully acquired Nanyang Far East Bank, it will take some time to digest it. Hong Kong Far East Bank still retains a first-generation banking license in Southeast Asia. Perhaps only in this way can it have a chance of survival."