Reborn in Hong Kong: The Tycoon Grows Up

Seeing that the timing was almost the same, we had already talked about everything we should talk about with people we know well. It also gave Governor Youde the opportunity to communicate with Bao Zixuan alone, and the plan must be followed. Calling everyone to a meeting just to complete the plan is not to provide a platform for others to communicate.

A large round table was temporarily built, and it seemed that there was no priority. After all, not many people came here this time, and there were only a few banks in Xiangjiang. And similar to American and Japanese banks, there is no invitation.

The Hong Kong Bankers Conference mainly refers to British-owned and Chinese-owned banks; other banks still belong to the category of outsiders. Shen Bi might have sat on the throne before, but now he doesn't have the courage; and most importantly, he doesn't have the strength.

When everyone gives way to him, it is because he can bring benefits to others. But what HSBC has now, at least in front of Heiyun Bank, is a role that is being crushed. And not many people came this time, plus they were all super tycoons. Perhaps he is the only one who belongs to the category of professional managers, and he does not have the courage to take the lead.

Currently, there are only a few companies that are eligible to participate in the conference.

Black Cloud Bank Bao Zixuan, HSBC Bank Shen Bi, Standard Chartered Bank Bauhaus-Sanderson, Zheng Bank Zheng Yutong, Bao Bank Pao Yukang, Wing Lung Bank Lee Shau Kee and Li Chaoren, Wing Hang Bank Fok Ying Tung, Hu Yingxiang, and Dong Da Young Master, and of course Zhang Jianxin from Nanyang Commercial Bank.

In addition to the Governor of Xiangjiang, Youde, there are only 12 people in total.

However, the seats are still very particular, at least they can't make people jump out of trouble.

Governor Youde sat in the middle, flanked by Shen Bi and Bao Zixuan on the left and right. At this time, you still need to look at the size of the bank, otherwise it will be difficult to arrange.

After seeing everyone sit down, Shen Bi first said: "Thank you for taking time out of your busy schedule to attend the Xiangjiang Bank Summit. Although this meeting is organized underground, the core idea is for the future development of the Xiangjiang banking industry."

"Even if I don't say it, everyone knows it. In recent times, the competition among various companies has been very fierce. Even in order to win depositors, some unscrupulous methods have been used."

"As a banker with many years of work experience, I dare not talk about other fields. But Shen still knows a lot about banks. Because the real estate market is unstable, every bank does not have sufficient funds. Therefore, in order to obtain funds, It is inevitable to raise deposit interest rates."

A sharp increase in deposit interest rates means an increase in bank operating costs. It may be bearable in the short term, but in the long run, even if you have money, it will probably be very uncomfortable.

In order for Hong Kong's banking industry to develop healthily, I hope you can control deposit interest rates. Don't use exorbitant interest rates to attract customers.

Shen Bi would never invite everyone over for such a big or small matter. After all, no one is so free, there must be other things; but now that the other party has not mentioned it, it is difficult for everyone to take the initiative to bring it up.

At this time, everyone seemed to have reached an agreement and all looked at Bao Zixuan.

This makes Bao Shoufang very depressed. After all, Heiyun's deposit interest is really not high, at least within a reasonable range. Of course, the loan interest is not very high. But for applicants, the requirements are not low. Company employees can apply without a mortgage. But for other customers, it's not so easy.

Since everyone is looking at me, I always have to say a few words.

Bao Zixuan said with a smile: "Don't look at me, everyone. What Shen Daban said is still very reasonable. Heiyun has just started in the banking field. As long as it is something that everyone agrees with, I will never object."

This guy really refused to take the initiative, which made the Chinese tycoons sitting here unhappy. If it doesn't involve their own core interests, no one really wants to offend Shen Bi. A camel is so skinny that it is bigger than a horse, but the other party is also a senior manager at HSBC Bank. If you are resented by the old boy for a trivial matter, then your own banking business will inevitably be restricted.

But how can banks survive without attracting customers with high interest rates? Brand awareness and other aspects are far behind compared with HSBC and Black Cloud Bank.

At this moment, Zheng Yutong was very unwilling. After all, Zheng's Bank was the first to raise interest rates for depositors. If there is no sweetener, no one is willing to put money in a bank with a poor reputation. This is human nature.

For this reason, he did not hesitate to make trouble with Shen Bi, but for the survival of the Zheng family, he did not care so much. Unexpectedly, Shen Bi spared no effort to hold such a meeting without explaining himself. If all banks agree, then the Zheng family will definitely have to make a compromise.

If that were the case, it would be very difficult for the bank to continue operating.

Zheng Yutong said very seriously: "Although Shen Sheng is indeed an authoritative expert in the banking field, everyone has his own set of business rules when doing business. If everything is fixed, how competitive will the market be? So this It belongs to the commercial category, so it’s better to let the market test it.”

"For the same price, why do some people make money and others lose money? Businesses have to consider a variety of factors, and you can't just focus on a little interest. You have to look for reasons from all aspects."

Everyone felt incredible when they heard Shardantong say this. Shark Dan still needs to rely on Shen Bi in many places. At this time, he openly contradicts the other party. It seems that he is really being pushed into trouble.

Hearing what Zheng Yutong said, Bao Zixuan suddenly thought of a more famous topic in his previous life.

As we all know, if you owe the bank 100,000 yuan, the bank will definitely urge you to pay back the money quickly. But if you owe the bank 100 million, they won't dare to rush you, and they will have to serve you well. But if you owe the bank 100 million, these people are very powerful people; unless the large company needs to turn over, or the company is bankrupt, the amount is too large, but they still have the ability to borrow money.

But when faced with a loan of 100 million, the company treated her differently. The company would first greet her from time to time. They also give gifts, etc. This is typical VIP treatment. I have to ask about my physical condition from time to time, and I don't dare to make him angry, for fear that I won't be able to pay him back.

There were so many things that happened to Shardantong before, and HSBC was responsible for many of them, or providing loans. The loan the Zheng family owes to HSBC is much more than 100 million. And it is related to the continued survival of Zhengjia Bank, even if Shen Bi asks them to make rectifications, it will not work.

Because according to Shen Bi's method, it may be more appropriate for Zheng's Bank to declare bankruptcy directly.

You must know that the Zheng family is not having an easy life. The bank has taken on a lot of non-performing loans due to the acquisition; coupled with the rare earth mineral bonds, it is once again a mess. If it weren't for his strong financial resources, he would have fallen down long ago.

The real estate market in Xiangjiang is currently sluggish, making New World Real Estate, a cash cow, also in need of blood transfusions from the Zheng family. The only profitable enterprise is Chow Tai Fook Jewelry.

However, the current scale of Chow Tai Fook Jewelry is not large, and its profits are ultimately limited.

As for Baozheng Mining Company, although it is making money now. But they are all trying to mend holes. The last bond issued was in the name of a rare earth company. Even if he can come up with money, he still needs Bao Yugang's nod. Under the current situation, the Charter King would not do that.

Now that someone is taking the lead, everyone must not back down.

And they all know that they want to live a good life in the future. It doesn’t matter if you suffer a little loss now. As long as HSBC and Standard Chartered Bank do not collapse, Chinese capital will not have the final say in the future of Hong Kong's financial market.

Huo Yingdong said very formally: "I think what Zheng Sheng said is quite reasonable. After all, each bank's costs are different, and their reputations are also different. The deposit interest rates are the same, so what's the difference between a big bank with a historical reputation and Mingqiang."

We, small and medium-sized banks, will definitely not be able to compete. At present, banks can only survive through other methods. If we follow Shen Daban's idea, then our business will not be done.

It is better to resolve matters in the shopping mall through commercial means. What does the meeting mean now? Is it to let our banks die and then make HSBC whole?

Although Zheng Yutong's words have some weight, they do not have much influence in the Chinese business circle. But Mr. Huo is different. At least his words are very powerful. Some of those who are doing this may not say that they are following the lead, but at least they will listen.

Sure enough, after Huo Yingdong expressed his stance, several other companies also expressed their stance respectively. Although the current deposit interest rate is very high, if you don't absorb a large amount of deposits, life will definitely be difficult.

There are many tycoons engaged in real estate, and now they need other industries to provide blood transfusion to real estate companies. Your own bank may be the most convenient method.

I drank too much, why can’t I control it now?