Reborn in Hong Kong: The Tycoon Grows Up

If Chinese Americans want to control the financial industry in Hong Kong, they must have matching capabilities. It is definitely impossible to rely on Heiyun Bank alone. After all, with HSBC, Standard Chartered, and so many investment and financial institutions in the UK, it is impossible for Bao, the richest man, to dominate everything with one hand. But joining forces with other Chinese tycoons in Hong Kong is a good choice.

At the same time, Bao Zixuan is not worried that they have other ideas. On the one hand, their strength does not allow them to do so. More importantly, bank equipment and systems are provided by Heiyun Group. If you really dare to have any evil intentions, then don't want bank customer information and deposit information. Of course this is just the last resort. It must not be used easily; if it is used, it will seriously affect the reputation of Heiyun Group.

Bao Zixuan smiled and said: "What was I doing at that time! Hu Sheng sent me money. It is definitely the same equipment as Heiyun Bank. At the same time, to show sincerity, Hu Sheng and others can visit the server room of Heiyun Bank." .”

"Hu Sheng studied in the United States, and of course he knows about the application of industrial computers in modern banking. Currently, all counters of Heiyun Bank are operated by computers and are directly connected to the main server. It is not only convenient and fast, but also less prone to errors."

"Heiyun Group can provide banking systems and open source code. But you really need to find someone to program the core data yourself. In case you don't make it clear later, I'm afraid of taking responsibility!"

Unlike other tycoons in Hong Kong, Hu Yingxiang is also a top student who graduated from a prestigious American school. Of course he knows what the American banking industry is like. It can be said responsibly that the gap between these banks in Hong Kong and Wall Street is at least 30 years.

Although I don't know what Bao Zixuan's purpose is, this kid has never cheated his partners. Moreover, they have analyzed before that Heiyun Group will definitely support it fully. After all, this can not only sell the company's products and make a lot of money. It can also enhance the strength of Chinese businessmen and achieve multiple goals with one stone.

What Huo Yingdong said was very reasonable, even though Bao Zixuan was unwilling to cooperate with them. Maybe the last time he took care of Huodong Mining Company, everyone did something unfair, which made him heartbroken. More importantly, he had a strong personality and must have complete control over the management of the company.

Typical of the heroic style, you must obey him for major decisions; even if it is a wrong decision, it must be implemented unconditionally. We are all tycoons, how can we bear this. Therefore, it is the best choice for Baohuodong Mining Company to be split up. Perhaps there is another concern, and that is the issue of monopoly. With 70% of rare earth mineral reserves, it has absolute pricing power. At present, such arrogant companies are not allowed to exist in the international market.

Not to mention that the company is in mainland China, even in the United States.

Hu Yingxiang said with a smile: "Sheng Bao is a professional in this field, and he will give us some guidance when the time comes. The equipment fully complies with the standards of Black Cloud Bank, and you can even place an order now."

When I heard that the other party had not successfully acquired it, I dared to place an order directly. But if you think about it carefully, there is really no reason for failure among the three companies.

Bao Zixuan said with a smile: "Hu Sheng, don't worry, the industrial computer Heiyun Group can allocate production capacity, and other supporting facilities are in production at any time, so there is no need to worry."

"It's better to recruit more computer talents now. Banks want to grow and develop in the future. Not only professional financial talents, computers are equally important."

Hearing what Bao Zixuan said, Hu Yingxiang immediately understood what it meant. We are all smart people, and some things cannot be said too straightforwardly.

The two people, who had very different drinking abilities, only drank one bottle of red wine. That is to say, I am worried that the rich man Bao will not have enough fun, otherwise for someone who can usually drink a bottle of foreign wine for a month, it is impossible to drink so much with you!

Fortunately, the goals of both parties have been achieved, and Bao Shaofu has successfully formulated banking standards; at least regarding banking systems and equipment, external banks have already adopted them. Although the bank has yet to make a successful acquisition, even this would be a huge improvement.

As for Hu Yingxiang, everything will be much easier to handle if Bao Zixuan promises not to compete with him. Except for the Heiyun Group, everyone else in Xiangjiang wants to compete with the three of them; it really depends on whether the family is strong enough and whether the body is so strong.

It can be said that Yongheng Bank is already in their possession, and they are just waiting for good news from the eldest son of the Dong family.

At the same time, in a teahouse near the head office of Wing Hang Bank, the eldest son of the Dong family was having talks with Feng Yaojing, chairman of Wing Hang Bank.

The division of labor was very clear before. Due to his status, Huo Yingdong did not participate in specific negotiations. He only sat in the rear and negotiated with China Mainland for the bank's entry. Hu Yingxiang is responsible for communicating with Bao Zixuan, asking the other party not to get involved, and purchasing banking equipment; of course, it is best to be connected to Heiyun Bank. At present, it seems that Hu Yingxiang has achieved a satisfactory result; now that everything is ready, it only depends on whether Master Dong can convince Feng Yaojing.

Wing Hang Bank is in a very difficult situation at this time, today alone. The bank's capital reserves have been reduced by HK$600 million. Together with the investment in advertising regardless of cost, the effect is very obvious.

If the current situation continues, it may not last for less than a month. Starting a bank requires capital, but the assets of the families that started banks in the early days were not necessarily very rich. Most of them take deposits and then lend them out to earn an interest difference. However, if depositors want to withdraw their deposits, they will give the bank up to 3 days. Even if it is an amount of hundreds of millions, it will not last more than a week.

But it is not that easy to recover the loan. Therefore, once a run breaks out, if you are not strong enough and do not have strong allies, you will be easily destroyed. At that time, Bao Zixuan was known as the richest man in Hong Kong, but when faced with a run, he also needed to mobilize funds from abroad because bank funds must be loaned out, otherwise how would he make a profit. If you just keep your money somewhere, it will probably go bankrupt faster!

Wing Hang Bank does not have the strength to secure the richest man, so it can only pray for a miracle, otherwise there is nothing we can do.

Feng Yaojing: "Sheng Dong, we are all busy people, so if you have anything to say, please just say it."

As an old man who has been working in shopping malls for many years, of course he knows what happens when Mr. Dong comes to visit. But there are some things that cannot be said clearly. Perhaps it is better to let the other party take the initiative; it would be good to have a little initiative.

Mr. Dong said very seriously: "Feng Sheng, since you asked, I have nothing to hide. I came here for the affairs of Yongheng Bank, but I came here to say that I want to acquire Yongheng Bank."

Seeing that the other party was not hiding anything, he spoke very frankly. At least it showed sincerity, and it was much better than others. When the Feng family wanted to acquire a company before, they would inevitably help analyze the company's difficulties and then belittle it. But the other party didn't do that, perhaps out of disdain, or perhaps to show his attitude.

I'm just here to talk about the bank acquisition. I don't want to hear about other things; I'm not interested in knowing.

Feng Yaojing: "We are all smart people. It seems difficult for the Feng family to keep Wing Hang Bank, but Dong Sheng is not the only buyer! So I want to hear the specific price and then make a final decision."

Typical to tell you, good goods do not worry about buyers. Mr. Dong was well prepared and said with a smile: "There will be many families and companies that want to acquire Wing Hang Bank. After all, with Zheng Yutong entering the banking industry, other families will not fall behind."

"But this time the Dong family, the Huo family, and the Hu family are united; just imagine who else will compete with us."

"And just now, Hu Sheng has reached an agreement with Bao Shaofu. Black Cloud Bank will not acquire Wing Hang Bank. If you don't believe it, you can verify it."

"As for the chartering king family, their target has always been Chong Hing Bank. Therefore, there is no competition. Feng Sheng is a smart man and should know what this means."

"Maybe there are other buyers from Wing Hang Bank, but Feng Sheng himself is not sure whether the price can be higher than what we paid!"

"There are currently four banks in Hong Kong to choose from, and we are not necessarily hanging on the Yongheng family. Even if media reports cannot explain the current state of the banks, doesn't Feng Sheng himself still have a good idea?"

Hearing that it was a coalition of three families, they even convinced Bao Zixuan. In addition, the charter king has a very clear target, which has always been Chong Hing Bank. That is to say, unless the bank is sold to HSBC; but with Shen Bi's stingy character, he can't give much money. Perhaps selling to three joint ventures is the best option, and it can also create a good relationship!

But at this time, Feng Yaojing was still very unwilling. It has been nearly 40 years since he founded the bank in 1937. I haven’t seen any storms during this period, so is there really no hope at all?