Reborn in Hong Kong: The Tycoon Grows Up

Now that Zhuang Shiping has named him, Wu Yisun cannot stay out of the matter. Moreover, this matter itself is closely related to him. The situation of Wing Lung Bank is not much better than that of the other three banks.

But Wu Yisun was also very embarrassed at this time. After all, he had not heard any news from Qiu Degen. Although the two of them often got together, Qiu Degen followed the rules and had nothing to say. But no matter what, I have to show an attitude today. At the same time, everyone must agree on the same opinion. If we don't think of a way, Wing Lung Bank may really have nothing to do with the banker.

Wu Yisun's grandfather Wu Yikang established Zhaolong Bank in Yangcheng in his early years, which became famous far and wide. Later, due to chaos and natural disasters, the family gradually declined. Wu Yisun experienced hardships in his childhood. Although he was talented, his family was poor and he dropped out of school. At the age of only 14, he went to work at Tai Lai Bank in Hong Kong.

Without any support or support, I could only start as a handyman. Wu Yisun Ya is diligent and cautious, works hard and does not complain, and tempers himself in a difficult environment. He is humble and diligent, and he learned how to do business amidst tedious chores. He was deeply appreciated by his boss Wu Jiming and received many guidance. He became the boss's deputy at the age of 20. In 1933, with the trust and support of many friends, he raised 44,500 yuan and founded Wing Lung Bank in Bonham East Street, Hong Kong. In the first year after starting the business, he made a profit of more than 9,000 yuan.

When it comes to the difficulty of starting a business, Wu Yisun is definitely more difficult than the other three. This makes his character extremely tenacious and he never admits defeat. But at this time, I felt powerless. In the face of absolute strength, Wing Lung Bank was almost breathless. Without Feng Yaojing's organization, he would have thought of shutting down the bank or selling it. Take a look at what other industries your family can work in. After all, they are 80 years old and can’t move much.

Seeing that several other brothers are thinking about gambling, the Wu family cannot give in because that is not the family style.

Although there is competition among Xiangjiang Private Bank, this competition is still very healthy. At least he won't add insult to injury and take advantage of others' danger. After all, everyone knows the meaning of death and coldness, so protecting other families is to protect yourself.

Wu Yisun: "I made a special trip to Qiu's house today, but Qiu Degen didn't mention anything about the bank at all. As for the specific situation of Far East Bank, he didn't reveal a word. Qiu Sheng also followed the rules, so I can't blame him. .”

"But we can analyze it from another angle. After all, before the Qiu family sold the bank, they exchanged loans with several of us. Not only us, Heiyun, HSBC, and Standard Chartered also exchanged loans with the Qiu family. Yes. It is said that most of the non-performing loans in Hong Kong are currently in the hands of Zheng's Bank. This means that Zheng's Bank currently holds more than 10 billion Hong Kong dollars in non-performing loans and should be very short of money."

"Even if Zheng Jiajia has a big business, it can't do anything in the short term when facing a deficit of tens of billions of Hong Kong dollars. That's why Zheng Yutong thought of raising funds by issuing rare earth mineral company bonds. HSBC Shen Bi must know the situation of Zheng's bank. But In the face of huge profits, and it can hit several of us, Mr. Shen will definitely give up some principles."

"At the same time, he also has absolute confidence in rare earth minerals. Even if there is a problem with Zheng's Bank, as long as the rare earth minerals in southern Guangdong Province are still operating, then there will be nothing and no risk at all."

"Shen Bi knows what the status of Zheng's Bank is, but the chartering king may not know it; therefore, can we start from this aspect? With the combined strength of several of us, we are definitely no match for others. The best way is to start from within. Disrupt the enemy.”

"Of course this is just one of them. The second point is to see if we can contact Heiyun Group. The relationship between Bao Zixuan and Zheng Yutong has never been good. The last time Heiyun Bank suffered a run, it was Shadantong who was behind it. If If Mr. Bao is willing to help, then things will be much easier to handle."

After hearing Wu Yisun's analysis, several others still agreed.

Liao Liewen knew that he also wanted to express his opinion. Although these are all uncles. But at this time, he is the family leader after all, the chairman of Chong Hing Bank. So he said directly: "Actually, the second son-in-law of the chartering king has contacted me; the meaning behind his words is very obvious; he asked me if I have any intention of selling Chong Hing Bank."

"It means that Bao Yugang also wants to buy a bank at this moment. Maybe he has had the idea for a long time; maybe he saw that the Zheng family successfully acquired the bank and didn't want to fall behind. In short, no matter what it is, the Bao family wants us to be unlucky at this time; and then You can buy your bank at the lowest price."

Since you want to acquire a bank, you must contact it in advance. It was not appropriate for Bao Yugang to come forward in person, so he asked his second son-in-law to handle the matter as appropriate.

Currently, there are only four suitable banks in the market in Hong Kong. Compared to Chong Hing Bank, the other three founders are still there. And some of them were older than Pao Yugang, and Wu Guangzheng had difficulty negotiating in the past; so he set his first target on Chong Hing Bank.

Although Liao Liewen is not weak in ability and has experienced some storms, it is inevitable that he will have some emotions and tempers of the rich second generation. In addition, the age difference between the two is not much, so they know how to adapt. Of course Wu Guangzheng will put his first target on Chong Hing Bank; maybe in his mind, this is a good breakthrough.

In fact, no matter which bank is acquired, it doesn't matter to the Bao family. Far East Bank gained the trust of Hong Kong citizens only because it was in the hands of Shark Dantong; Heiyun Bank became the number one in Hong Kong precisely because of Bao Zixuan.

The Bao family has been doing business in Xiangjiang for many years and has always had a good reputation. I believe the public will definitely buy it.

Hearing that the Bao family had set their sights on Chong Hing Bank, the others immediately felt that something was wrong. It is estimated that it will be difficult or even impossible to attack the enemy from within. It turns out that the Bao family also wants to acquire a bank. No wonder the charter king is so supportive. Even though he knew that Far East Bank had problems, he still spared no effort.

It’s easy to explain now, everything is for profit. For the super rich, owning a bank can not only enhance the strength of the family, but also make things much more convenient. At least when it comes to money, you don't have to worry too much.

Bao Shaofu is a good example. The construction of Heiyun Town is so fast; Heiyun Bank must be responsible for this. And depositors will not have any objections to this. After all, all subsidiaries of Heiyun Group are very healthy and have strong revenue capabilities. It is much better to lend their deposits to high-quality enterprises than to fail to recover their loans.

Now that the chartering king also wants to enter the banking industry, the living space of small and medium-sized banks in Xiangjiang will become smaller and smaller in the future. If you don't think about taking any measures, you may really have to quit.

Feng Yaojing: "With the addition of super tycoons such as Bao Zixuan and Zheng Yu, the living environment of Xiangjiang Bank has become very bad. Although each of us has small assets, compared with the super tycoons, we are still far behind."

"If we don't unite, we can only be at the mercy of others. Therefore, I have a suggestion, which is to merge our four banks and establish a new bank. Only in this way can we have a chance of survival."

"At the same time, we have formed an alliance with Heiyun Bank. Currently, Zheng Yutong, Bao Yugang, and Shen Bi are coming fiercely. If we don't find an ally, even if we gather the strength of the four banks, we may not be our opponents. Depositors are very realistic. Who gave it to them? The interest rate is high; whoever allows them to make money will naturally put the money in that bank."

"Fortunately, we are not without any advantages. At least the non-performing loans of each company have been dealt with. As long as we work together and survive this period, I believe Zheng's Bank will definitely have problems first."

What he said makes sense, but it is also very difficult to merge the four companies. How to evaluate assets and how to allocate shares are all issues that need to be considered.

Seeing that everyone was silent, Zhuang Shiping, who knew something about the situation, said helplessly: "If the four of us merge, there may be many problems. Besides, water far away cannot quench the thirst of the near. After all, the merger of the four banks will take a certain amount of time. The issue of share distribution also needs to be considered. It’s definitely not enough time.”

"As for cooperation with Heiyun Bank, we can consider it. After all, it is not a secret that Bao Zixuan and Zheng Yutong have a bad relationship. But the prerequisite for cooperation is capital. Now what capital do we have to cooperate with others? Without us, Heiyun Bank will still develop. , and you may not know it yet.”

"Far East Bank had separated its business in Southeast Asia two years ago and established Nanyang Far East Bank separately. It only had a cooperative relationship with the Xiangjiang headquarters. At this time, the 18 branches of Nanyang Far East Bank had been acquired by Heiyun Bank. It is still unclear whether Bao Zixuan will have any ideas about our bank."