Reborn in Hong Kong: The Tycoon Grows Up

Hearing this, Shen Bi really wanted to hit someone. What do you mean by Shard Dantong? It seems that he is too stable in his position as the head coach of HSBC, right? HSBC lost its dominance and monopoly position in Hong Kong's financial industry, making the board of directors no longer trust him so much. I finally exchanged the bad loans and thought I could make a good profit today. Unexpectedly, Shardantong actually asked him to operate illegally and deceive the board of directors.

He is not the only one who has the final say in HSBC. Now the general manager is keeping an eye on him all the time. If a mistake is made, London will definitely not let it go. If you really agree to do this, you will also be looked down upon by Shark Dan. Working is just a part-time job, and I really can’t do anything big. Because the company's interests are betrayed for a small amount of money, who would use such a person in the future, and which company would dare to use it!

Shen Bi smiled and said: "Zheng Sheng may not understand the bank's operating models and processes very well. It's no wonder; after all, you were mainly engaged in the jewelry and real estate industries before."

"Bank loans must be reported to the board of directors, even if the loan is only one dollar. London already knew about it the day after the loan was exchanged with Far East Bank; so now I have no choice."

Shen Bi's intention was obvious. Now that the exchange loan has been filed with the board of directors, should he be allowed to directly take the blame? This is not the way to make money, at least not at the expense of professional reputation.

Although I don't know whether what Shen Bi said is true or not, the other party even brought up the board of directors; the meaning was already obvious, and Shadantong didn't have much to say. Moreover, he never thought that Shen Bi would agree, and it was impossible for him to agree. I just want to make the other person feel embarrassed by doing this; they all say they are friends, so how can you refuse a friend's request right away?

Next, if Zheng Yutong makes a request, Shen Bi will naturally not refuse it if it is not a particularly excessive request. This is the real purpose of Shark Dantong. In short, he must get some benefits from Shen Bi today.

Zheng Yutong said with a smile: "Since Shen Daban has reported it to the board of directors, I will pretend that I didn't say anything."

"But there is one thing that I am worried about now, and that is the Far East Bank loan issue. With so many bad loans, it is basically impossible to recover them. Please help me find a way."

"The bank will collapse immediately. I can't afford to lose that person without talking about it; more importantly, the Zheng family's business reputation will plummet. But if you want to revitalize Far East Bank, you will need at least 15 billion Hong Kong dollars in funds. Although the Zheng family can solve part of it at present, But it’s still a little bit worse. So I hope that Mr. Shen can help.”

If you hear that the other party is here for a loan, things will be much easier to handle. Zheng Yutong's family still has a lot of good assets. As long as they are willing to mortgage them, everything is easy to negotiate. And the purpose of opening a bank is to provide loans to customers and earn interest from them!

As for 15 billion Hong Kong dollars, Far East Bank can be revitalized. Shen Bi really believed it, and it was almost the same as he expected.

At this time, almost all non-performing loans in Xiangjiang were taken up by Far East Bank. The amount will definitely not be small, and maybe only Bao Zixuan will be fine if he eats it. Other so-called tycoons don't have such a good appetite. If HSBC had so many non-performing loans, although it would not go bankrupt, Shen Bi would definitely be fired directly and live out his life.

Shen Bi: "Money matters are easy to solve. Does Zheng Sheng really want to do this? You must know that Far East Bank has lost its business in Southeast Asia and has no advantage in Hong Kong. If it continues to operate, it will probably be a bottomless pit."

In fact, Shardantong certainly understood this truth, so he wanted to cooperate with Shen Bi. Taking out a loan is just the first step, there are still other steps to follow. Since Shen Bi has already brought it up, he has no worries.

In fact, Shen Bi is not that kind. He mainly wants to make the other person feel that he cares about his friends. Shen Daban still knows very well what kind of character Sha Dantong is.

Zheng Yutong: "Shen Daban, now the whole of Hong Kong knows that the Zheng family acquired Far East Bank. If the acquisition resulted in a direct loss of 10 billion and declared bankruptcy, I would not be reconciled. On the one hand, it is more important how other people will view the Zheng family. Therefore, some things are not profitable. The problem is more importantly the family’s face and inheritance.”

Family reputation may be illusory, but sometimes it is also very important. But as an outsider, he couldn't say much. And since it was the Zheng family's money, he didn't have to take any money out of his pocket.

Shen Bi: "Since Zheng Sheng has decided, as a friend, I will definitely support you unconditionally. Therefore, if you need anything else, as long as I can help, please just tell me."

As long as the old boy takes the initiative, it doesn't matter. Where does HSBC's background lie? I believe that after forming an alliance, it will really have the ability to compete with Heiyun.

Zheng Yutong: "To be honest, I am okay with how to run jewelry and real estate business. But running a bank is definitely for a layman. At present, HSBC has almost no business in Southeast Asia."

"Although the Qiu family sold the Far East Bank's Southeast Asia branch to Bao Zixuan, it was only a separated bank. The head office's banking licenses in Southeast Asian countries are still retained."

"In other words, as long as Far East Bank wants to, it can establish branches in Southeast Asian countries at any time. But the strength of the Zheng family alone will definitely not be able to support such a large expenditure, and the business volume will definitely not be enough."

"Heiyun Group's acquisition of Far East Bank's first-generation business in Southeast Asia will inevitably put HSBC at a disadvantage in future competition. Shen Daban must be aware of the relationship between the Zheng family and Bao Zixuan. And I suspect that this Far East Bank acquisition is a trap. , has nothing to do with that kid."

This is because I want to cooperate with HSBC to jointly operate the first-generation business in Southeast Asia. But Shardantong's purpose must be more than that, otherwise he would never go around in so many circles.

Shen Bi: "Currently, HSBC has a cooperative bank in Southeast Asia, and the cooperation has been very good before. Changing partners rashly is not a wise move. Moreover, Zheng Sheng's bank has not yet been established. In addition, the situation in Southeast Asia is complicated, or It’s better to be cautious.”

"But as long as a customer agrees to choose Far East Bank, I will never refuse; at the same time, I will ask employees to actively recommend it."

What does it mean to have customer needs? This is just an excuse. If there is no customer demand, HSBC would not recommend Far East Bank.

Zheng Yutong: "Since Mr. Shen said so, then I will do as you say! But for Far East Bank's European and American business, I hope HSBC can provide support."

They say sharks are brave, but I didn't expect it to be this big. What is the size and scale of Far East Bank? It actually wants to carry out so many businesses at once. HSBC has been developing for hundreds of years, but we dare not say that there will be no problems everywhere in the world. Each bank has its own sphere of influence; even if other banks are getting stronger, they must seek cooperation with HSBC when coming to Xiangjiang, or at least come to visit the pier first. Of course, that was a few years ago, before the rise of Black Cloud Bank.

Shark Dantong didn't know anything and entered the banking industry rashly. If you even think about asking HSBC to help handle European and American business, wouldn't that be taking away the cake of other banks?

Shen Bi said very formally: "Zheng Sheng, it is useless even if HSBC agrees to this matter; you must obtain the consent of the local government."

"Therefore, if you want to enter the market of other countries, it is best to cooperate with the country's most powerful bank. Only in this way will problems be less likely to occur."

Hearing that there are so many ways here, it seems that banking business is more responsible than imagined. In the past, I thought about the problem too simply. If I had nothing to do with acquiring a bank, I would definitely be causing trouble for myself. But now that it is a foregone conclusion, we can only take one step at a time.

Zheng Yutong is still very unwilling. At present, except for the loan matter, other problems have not been resolved. How can we just go back like this? At least we have to get something. So he said with a smile: "Shen Sheng, the Zheng family has just entered the banking industry. There are many small and medium-sized banks in Xiangjiang competing with them. They are not as big as the HSBC family. Can you consider dealing with them and compressing their living space as much as possible?"

At present, in addition to Heiyun Bank, HSBC, Standard Chartered Bank, Hua Xia Bank, and some large foreign banks, there are also some small local banks in Hong Kong. For example, Wing Heung Bank, Chong Hing Bank, Nanyang Commercial Bank, Wing Lung Bank, etc.

Zheng Yutong's intention is obvious, he wants to deal with several other small banks, thereby improving the status of Far East Bank and expanding its living space.

The acquisition or merger of small banks means that the previous business scope and customers will be acquired or replaced by other banks. Shark's ambition is indeed not small, but what benefits HSBC can get is what Shen Bi needs to consider.

In the past, we did not target small and medium-sized banks because of antitrust issues. However, this problem does not exist now. The monopoly is also a monopoly of Heiyun Bank, and HSBC is no longer as big as Heiyun Bank.

If Zheng Yutong was there to cause trouble, maybe things would actually get done.