Reborn in Hong Kong: The Tycoon Grows Up

Bao Zixuan only guessed that these people were plotting against him, and he didn't know what the specific purpose was at the moment. Which company we are planning to attack, we can only take one step at a time. The superficial enemies are Shark Dantong and Charter King, but they definitely have support behind them, otherwise they would not dare to take such a big risk due to their personalities.

The investment issue in Iraq must be resolved now, otherwise it will be a big sin to deceive the president of a country. Most importantly, in order to show sincerity, the family has exiled their eldest son. If you regret it, I will kill you. If the agreement is broken in front of Iraq, it will inevitably have a chain reaction in other Middle Eastern countries, and it will not end well by then.

Bao Zixuan left Hutchison Whampoa Building and went directly to the headquarters of Black Cloud Bank in the New Territories. When they saw the boss coming, many people took the initiative to say hello. Not only the bank employees, but also other customers who came to handle business would also say hello to Mr. Bao. Once a person reaches a certain level of fame, it is difficult to keep a low profile.

Yuan Tianfan didn't look very good at this time, mainly because he drank too much yesterday. He doesn't have Bao Zixuan's drinking capacity, and he is feeling uncomfortable here right now!

Seeing the boss coming, he stood up and said, "Boss, why are you free to come here today?"

Seeing President Yuan's state, Bao Zixuan said with a smile: "Don't be so polite. I just happened to see you if I have anything to do. I won't let you drink like this next time. It's really scary."

The secretary poured two glasses of water for the two of them and then left.

Bao Zixuan: "Bao Huodong Mining Company just held a board meeting, and the project to invest in oil and gas fields in Iraq was rejected. It's also my fault for being stubborn and taking myself too seriously. Now it seems that some people are consuming our funds, just thinking about Heiyun Group We start when we are short of funds. Some people think they will support it, but now it seems that we still have to rely on ourselves. It is still unreliable to do business in partnership. We will still need to invest internally for any projects in the future. Even if we have less money, it doesn’t matter. The most important thing is rest assured."

"I came here this time to ask Heiyun Bank to allocate funds to deal with investment in Iraq. And we can't keep a low profile. We have to let the wind out, so that the enemy can surface."

Yuan Tianfan had a headache when he heard that he needed to withdraw funds from Heiyun Bank again. Almost one-third of Heiyun Town's funds come from Heiyun Bank. Yesterday, internal employees had to borrow money from the bank during the meeting. No matter how rich Black Cloud Bank is, it can't afford such troubles, so now it's doing this. The funds may be a bit insufficient, at least not absolutely sure.

Yuan Tianfan: "Boss, Heiyun Bank's funds are also very tight. If it invests in the Iraqi oil and gas fields at this time, it will affect the progress of other projects. The employee loan problem has not been resolved yet, and sufficient funds must be set aside. This was decided at yesterday's meeting Don’t regret things easily.”

"Heiyun Bank can withdraw up to US$500 million. If it is more, it will affect the bank's operations."

Of course Bao Zixuan knew the actual situation of the bank, but the money had to come from Heiyun Bank. Otherwise, the enemy will not take the bait, and the plan to lure the snake out of its hole will fail.

Bao Zixuan: "Currently, other branches are also very strapped for funds, and they can only find a way from Black Cloud Bank. Therefore, I don't care what method you use, I need you to come up with US$2.5 billion in funds."

Hearing that Heiyun Bank needed to mobilize US$2.5 billion, Yuan Tianfan suddenly felt a lot of pressure. In normal times, he would really look down on a mere US$2.5 billion, but most of the funds of Heiyun Bank are used in the Heiyun Town project. At this time, it can be said that a clever woman cannot make a meal without rice.

This is the first time the boss has given him an order, and he must complete it no matter what. You have to do it even when it's difficult. Bao Shaofu is a boss who only cares about results. No matter where you are, don't give too many reasons to your boss.

Yuan Tianfan: "Boss, if we do this, we can only withdraw the deposit reserves. But once there is a change or a run, Heiyun Bank will be very troubled and even affect the entire group."

Deposit reserves, also known as statutory deposit reserves or storage reserves, refer to the deposits in the central bank prepared by financial institutions to ensure the needs of customers to withdraw deposits and liquidate funds. The ratio of deposit reserves required by the central bank to its total deposits is the deposit reserve ratio. By adjusting the deposit reserve ratio, the central bank can affect the credit expansion capabilities of financial institutions, thereby indirectly regulating the money supply.

In the past, HSBC could function as a quasi-central bank. Later, the share of minting rights was reduced, so that HSBC, Standard Chartered, Black Cloud and Hua Xia Bank all had similar functions, and no bank would put deposit reserves in HSBC.

Each bank will determine the amount of reserves based on the total amount of deposits. Currently, Heiyun Bank's deposit reserves are 22%, which is the result of precise calculations. If it is too little, it is very dangerous. Once a problem occurs, the situation will be uncontrollable.

Bao Zixuan: "This time things are not that simple. Many people are watching us use our reserves. This is also their purpose. If we don't use the reserves of Heiyun Bank, how can we know who is behind it."

After hearing the boss's analysis, Yuan Tianfan immediately understood what it meant. But is it worth it, risking Black Cloud Bank just to lure out the enemy? If anything changes, we will be very passive.

After Bao Zixuan left, Yuan Tianfan quickly arranged for his men to raise funds. The Iraq project cannot be delayed, otherwise all previous efforts will be in vain. Moreover, it is related to the reputation of the group and the boss, but I dare not hesitate at all.

Although Zhuang Xiaohui is the eldest daughter of the banker family, she was quickly re-employed due to her outstanding performance after joining Black Cloud Bank. The most important thing is that currently there are not many professional financial talents in Hong Kong. If you are really talented, you will either open your own investment company or work in a major bank. No matter how good the benefits are, Heiyun Bank cannot poach people endlessly, otherwise it would be strange if other banks don't work hard with you.

It was under this circumstance that Zhuang Xiaohui relied on her own abilities to stand out and is currently the director of the credit department of Heiyun Bank.

Just after the boss left, he received a call from President Yuan. There must be something important to deal with. This is a good opportunity, an opportunity to prove yourself in front of the boss. The banker's preference for boys over girls is very serious. If you can open a career in Heiyun Bank, it is also a good choice.

Yuan Tianfan also wanted to inspect Zhuang Xiaohui. The boss said that he would use the reserves in a big way. Then Zhuang Xiaohui is a suitable candidate. If there is no one available, it is impossible for this young lady of the banker to become the director of the credit department.

Zhuang Xiaohui: "President Yuan, why did you ask me to come over?"

Yuan Tianfan: "There is indeed a matter that needs you to deal with. I really don't feel comfortable leaving it to anyone else."

Seeing that Yuan Tianfan attached so much importance, he just left after joining Bao Zixuan. Zhuang Xiaohui felt that the matter was unusual, and now she could handle it by herself, which showed her status, and she also felt that she had won the trust of the company.

Zhuang Xiaohui: "You can just ask me for anything. I will do my best."

In Zhuang Xiaohui's view, from the moment she decided to work at Heiyun Bank, she could not act like a young lady. Now I am just a middle-level manager of Heiyun Bank, so I cannot take my status too seriously. The identity of the banker's eldest lady is a thing of the past, and it should not even be mentioned now.

In her heart, she still admires Yuan Tianfan very much. This man's talent and ability are worthy of admiration. He is also extremely proficient in banking business, much better than her.

Yuan Tianfan: "You allocate 2.5 billion US dollars from the reserve fund, and the boss wants to invest it in the Iraqi oil and gas field project."

Zhuang Xiaohui was very worried when she heard that bank reserves were being used. This is a big taboo for banks. At that time, the banker's Hang Lung Bank was forced to sell to Bao Zixuan due to a run on its funds. Could it be that Black Cloud Bank is going to make the same mistake as Hang Lung Bank? Should we stop it?

But when you consider that both Bao Zixuan and Yuan Tianfan are human beings, don't they know how dangerous it is to use bank reserves. Now that we dare to use our reserves, we must have countermeasures. As a subordinate, you only need to carry out the tasks assigned by the leader, and it is best not to ask too much about other things.

Zhuang Xiaohui: "Okay, I will prepare the funds as soon as possible. You can just tell me two days in advance."

He wanted to say something, but seeing Yuan Tianfan's expression, he didn't say anything more. This attitude made Yuan Tianfan very satisfied. He did not refute or question, as long as he could carry out the order. Subordinates must have the attitude of subordinates. As a leader, you do not need to explain anything to your subordinates.