Reborn in Hong Kong: The Tycoon Grows Up

Early the next morning, Bao Zixuan arrived at the Governor's Mansion at the agreed time. The staff of the Governor's Mansion have long been informed that all the Governor's schedule this morning has been cancelled, and only the richest man Bao will be received.

This kind of situation is rare in the Governor's Mansion, and no one has the face to do so. But when I thought about the rich man Bao who came here today, I felt that working in the Governor's Mansion was a matter of course. Anyone who works here is not a fool, they are all people who can see the current situation clearly. At this time, the stock market and property market in Hong Kong were both falling, and the economic situation was quite bad.

At this time, the purpose of the governor's invitation to Bao Shaofu was self-evident. In fact, they also had some selfish motives. If you want to know what the richest man Bao and the governor were talking about, just knowing a little bit of information can bring you a lot of wealth.

But the rules here prevent them from doing this. If they are discovered, it will not be as simple as being fired. If it is serious, they may be imprisoned. The staff of the Governor's Mansion are in inner conflict.

Bao Zixuan specially wore a customized tunic suit today. The whole person looks very energetic. If nothing else goes wrong, he will go to Hang Lung Bank in the afternoon. This is his first step in entering the bank. He must show his best side to depositors. At this time, Hang Lung Bank needs a spirited young man to come out and regain everyone's confidence.

Governor Youde saw Bao Zixuan's clothes and smiled and said: "Bao Sheng, you are here, you are so handsome today. If my daughter is not married, she will definitely let him marry you, but unfortunately there is no such opportunity now."

Bao Zixuan's appearance can only be regarded as average, and he is still far from handsome. However, he is very sunny, and when combined with his huge wealth, people will find him very handsome.

Since Youde made a joke first, Bao Zixuan also replied with a British humorous tone: "It is such a pity not to become the son-in-law of His Excellency the Governor. Judging from the appearance of Madam, I know that your daughter must be very beautiful."

Yoder: "Of course, my daughter is very beautiful and has completely inherited her mother's genes."

"This time I want to hear your views on Hong Kong's financial market and the future direction of Hong Kong's economy."

When I saw this home product, I didn’t mention the theme, and it suddenly became such a big topic. He really doesn’t understand the world of these politicians. Don’t they all say that the British are very straightforward! It seems that the rumors are really untrustworthy, at least it is not reflected in Yoder.

Bao Zixuan said with a smile: "Your Excellency, this topic is too big, and I really can't answer you right now."

"We are in different locations. What you care about is the entire Xiangjiang. I only need to deal with Heiyun's affairs. Therefore, I don't have much say in the entire Xiangjiang economy, at least I haven't considered it comprehensively yet."

After hearing this, Youde felt that this guy must be making an excuse. As the head of the largest company in Hong Kong, if he doesn't take everything into consideration, he won't believe it. Bao Zixuan has invested so much in Xiangjiang, how could he not care about Xiangjiang's economic situation.

Youde smiled and said, "Don't be humble, Mr. Bao. There are only you and me here. It doesn't matter even if we don't agree. I'm inviting you to come over today to discuss it."

Youde had already said it for his own sake, and Bao Zixuan knew he had to express his point of view. Otherwise, it would be difficult to explain. He thought for a while and said: "The issue that citizens are most worried about right now is whether a war will break out between China and Britain over the Hong Kong issue. As long as this issue is explained clearly, there will be no big fluctuations. Most people They are all following the trend, but they don’t have the ability to immigrate. Even if they forcefully immigrate to a foreign country, they will still be at the bottom of the ladder. It is better to stay in Hong Kong and develop."

"The second issue is the stock market and property market in Hong Kong. I don't think the stock market should be too worrying, it's just entering a period of adjustment; but the property market is closely related to people's lives."

"The rise in property market prices will drive up the cost of living in Hong Kong. When rents increase, merchants will definitely have to raise prices for their goods. If they don't raise prices, they won't be able to survive, but rising prices will lead to a decrease in sales. The rising prices of daily necessities will definitely be shared among the citizens. It will increase the burden on poor families."

"The rise in property market prices will also cause the loss of industrial soil in Xiangjiang. It is difficult for a city to develop much without industry. Therefore, I think the decline in property market prices is not a bad thing to a certain extent."

"The decline in property market prices may affect some enterprises in Hong Kong in the short term, but in the long run the benefits definitely outweigh the disadvantages."

Bao Zixuan thought for a moment and continued: "The third issue is the reshuffle of the banking industry in Hong Kong. There are currently too many large and small banks in Hong Kong. The financial industry is very developed, but it has also caused certain hidden dangers. The weak banks want to To absorb deposits, deposit interest rates must be increased, and the consequence of this is that loan interest rates must also increase accordingly.”

"Many powerful companies will go to big banks for loans, while only small businesses will choose small and medium-sized banks. Companies take loans with high interest rates. Once there is any trouble in the market, it will be difficult to pay off the bank debts. This will become vicious. In a cycle, banks use depositors’ money to lend out loans that cannot be recovered, and ordinary citizens will definitely suffer heavy losses once they declare bankruptcy.”

In the future, if Hong Kong wants to occupy a place in the world, it can put more effort into technology, communications, and shipping. If it becomes a technology, communications, and shipping center in Asia, its economy will naturally improve.

Youde feels that Bao Zixuan has definitely worked hard on Xiangjiang's economic research, and many things must not be finished yet. After all, opinions are corporate secrets, and they have no obligation to tell you.

Youde: "Sheng Bao is so humble. He has a very accurate view of Hong Kong's economic development and future direction, at least more clearly than I do."

"You are right. The threshold for the banking industry in Xiangjiang is indeed a bit low. Some companies dare to open banks without any strength at all. What is the difference between this and cheating money."

"You should have heard about Hang Lung Bank now! They have applied for takeover by the Hong Kong government. These businessmen are really hateful. I didn't talk to them when they were making money. Now that I can't continue to operate, I want to get rid of it; there is no such good thing in the world. "

"I invite you here this time in the hope that Heiyun can come forward to take over Hang Lung Bank. At the same time, you can acquire any bank you like."

"After careful consideration, the Hong Kong government believes that only Heiyun Group's intervention will increase the confidence of depositors. Only the intervention of the richest man can maintain the stability of Hong Kong's financial industry."

Hearing that the conversation finally got down to business, Bao Zixuan knew that the opportunity had finally come. But he can't appear to be very particular, he has to have a good sense of the scale.

Bao Zixuan: "I am very grateful to the Governor for your trust, but I have never worked in a bank, and I am not an economics major. I am worried that poor management will drag down the entire Heiyun Group."

Youde: "You are the most influential person in Hong Kong when it comes to business, and banking is also a business. No one is more suitable than you, and the Hong Kong government will fully support you."

"You just have to be confident and do it boldly, and don't worry about anything else."

Bao Zixuan: "This matter is too big and I need to think about it. It's best to hold a meeting to discuss it and at least evaluate the project!"

Youde finally asked Bao Zixuan to come over, so why would he let him go so easily? He quickly said: "Don't worry about Hang Lung Bank's previous losses. I will let the banker bear it. You just need to deal with the current crisis."

"In other words, Heiyun only needs to step forward to get a bank. You can follow this method for any bank you want to acquire later."

Bao Zixuan: "You don't have to think about it to know that Hang Lung Bank will have a lot of dead and bad debts, and many loans will definitely not be recovered. After Heiyun takes over, it will need to pay depositors' deposits, and this account is not cost-effective."

Youde: "Hang Lung Bank can still sustain itself, which proves that it is not at the end of its rope. This bank has many excellent assets, and you should understand this."

Bao Zixuan: "Since the Governor has already said what he said, I would be disrespectful if I disagreed. Heiyun Group took over Hang Lung Bank, but the name needs to be changed to Heiyun Bank to let people know that it is me, Bao Zixuan business."

"At the same time, I don't want to use the banker. I like to hold 100% control in my business. No person or institution can hold shares of Heiyun Bank. The banker's losses need to be borne by themselves. In order not to embarrass you, Heiyun The group will pay the funds needed to purchase the bank after the accounts are cleared, otherwise who will say clearly in the future."

Bao Zixuan is also worried about causing trouble in the future. What if the bank is taken over without spending any money? The Hong Kong government and the banker will take the blame. Even if it is only one dollar, it must be calculated clearly so as not to leave any hidden danger in the future.

Governor Yoder didn't expect this kid to be so smart, but he still found it refreshing to deal with young people. Whether it was the purchase of war bonds last time or the acquisition of a bank this time, Bao Zixuan was really happy with his work.

In the future, I still need to deal with more people like this, who have ideals, make quick decisions, and dare to think and act. In comparison, Shen Bi is really far behind, and there is no comparison with Bao Zixuan.

From Youde's point of view, Bao Zixuan reluctantly took over Hang Lung Bank, making him once again feel like he had won the negotiation.