Reborn Xiangjiang Tycoon Growth

Zheng Yutong's actions made one person a little confused, and that was Qiu Degen, the former owner of the bank. What was going on? Why did Shark Dantong join forces with Shen Bi and Bao Yugang to issue bonds. The hole in Far East Bank is not small. No one knows this better than the Qiu family. But if you think about it carefully, even if others don't know it, Shen Bi definitely knows it. Because the Qiu family also exchanged loans with HSBC, but why Shen Bi did this is really surprising. I don’t understand, there must be benefits conveyed here.

At this time, the Qiu family has withdrawn from the banking industry. If they are making inappropriate remarks, they are really getting an advantage and doing so. And even if they speak out in the media, no one will believe it. People in Xiangjiang will also laugh at the Qiu family for not having the ability, and the bank cannot keep it. , seeing that someone else is doing well and still feeling jealous. Then he will definitely become a laughing stock in the future, and may even be thought to be caused by the incompetence of the Qiu family.

When the Xiangjiang small and medium-sized bank holding family wanted to discuss with the Qiu family, Qiu Degen refused directly; at the same time, he said that he didn't know anything, and even if he knew, he would not disclose any information. This is the most basic business principle, and the Qiu family will never let anyone Find any fault. Moreover, the Qiu family will not get any real benefits from this matter. They will only be used as weapons. Qiu Degen is not stupid and will not wade into this muddy water.

Wing Hang Bank, formerly known as Wing Hang Bank, was founded by Feng Yaojing in Yangcheng City in 1937. It initially operated gold and silver exchange business. After World War II, Wing Hang Bank reorganized its business in Hong Kong and initially had 19 employees. After After a period of systematic development, Wing Hang Bank was granted a banking license by the Hong Kong government in 1960. In 1979, the head office was demolished and rebuilt into a 20-story head office building for expansion.

Currently, Wing Hang Bank has more than 30 branches and representative offices in Hong Kong and the casino city. It can be said to be a relatively large private bank.

The founder Feng Yaojing is also a legendary figure. His ancestral home is Mazhong Village, Ronggui, Shunde. Although he has lived in rural areas since childhood and did not read much, he is intelligent by nature and has few ambitions. When he was fourteen years old, in order to help his family solve problems Life was difficult, so he left his hometown and became an apprentice at the "Anfa Bank" of No. 13 Bank in Yangcheng. Due to his diligent study and not being ashamed to ask questions, he quickly became familiar with the financial operation process and had a unique set of insights.

In order to better display his talents, at the age of 29, he and his friends founded "Yongheng Bank" in Yangcheng. They quickly achieved remarkable results. However, when the Anti-Japanese War broke out, he moved the bank to Zhan City. , business development has basically come to a standstill.

In 1945, when the war was basically over, he moved to Hong Kong and reorganized the "Wing Lung Bank" in Hong Kong. Due to his business skills and the gradual stabilization of the social environment, the business of Wing Lung Bank developed rapidly and opened additional branches in the gambling city. In 1960, "Wing Hang Bank" was registered as "Wing Hang Bank" Co., Ltd., and Mr. Feng was elected as the first chairman.

It can be said that Feng Yaojing has seen strong winds and waves, and he is still an old man who has come from the war years; many things have been taken lightly, at least they will not be affected by the outside world. But the current situation is something he has never encountered in decades of working in the financial industry. dilemma; it can even be said that Wing Hang Bank has reached the edge of life and death.

Nanyang Commercial Bank was founded in Hong Kong by Zhuang Shiping on December 15, 1949. The founder Zhuang Shiping was also a legendary figure.

Zhuang Shiping, a native of Chaoshan, was born in 1911. He founded Nanyang Commercial Bank in Xiangjiang as early as 1949 and Nantong Bank in the casino city the next year.

Zhuang Lao gradually gained huge influence and cohesion in the economic society of Hong Kong. The capital strength of Nanyang Commercial Bank also jumped to the second place in the Huayin system in Hong Kong in the 1970s, which shows its strength and influence.

As for Innovation Bank, established in 1948, it was already in the hands of the second generation.

Liu Liewen was born in 1930 and joined Chong Hing Bank in 1950. In 1961, Chong Hing Bank encountered a run. Although HSBC and Standard Chartered Bank issued a joint announcement to publicly expose the rumors of Chong Hing Bank. Unfortunately, his father, Liu Baoshan, died of cerebral hemorrhage.

He was appointed as the managing director at a critical moment; and led the bank to avoid the Hong Kong stock market crash and bank runs in 1965.

It can be said that his abilities are no worse than those of Chuang Yi, and he is also younger, so he is definitely considered to be in the prime of life.

As for Wing Lung Bank, it opened on February 25, 1933 at No. 37 Bonham Street East, Hong Kong, named Wing Lung Bank, with a capital of HK$44,500. It operates currency exchange, remittance, deposits, and transactions through various ports.

The business of buying and selling stocks, gold and domestic government bonds on behalf of customers has increased year by year.

In 1937, in order to expand its business, it moved to No. 112 Queen's Road Central, Xiangjiang. In 1941, the Pacific War broke out and Xiangjiang fell. In order to settle down with his colleagues, Wing Lung moved to the casino to continue operating the banking industry, and established Wing Lung Gold in Liucheng, Western Guangdong.

He actively cleared old accounts in the gambling city and Liucheng, and was highly praised by customers. Until 1945, when the war ended, he returned to Hong Kong and resumed business.

The founder, Wu Yisun, was originally from a wealthy family, but his family fell into decline when he was young. Being able to start a new business in Xiangjiang is definitely a person with great ability.

At this time, the heads of the four major private banks in Hong Kong, Feng Yaojing of Wing Hang Bank, Zhuang Shiping of Nanyang Commercial Bank, Liao Liewen of Chong Hing Bank, and Wu Yisun of Wing Lung Bank, gathered together and were discussing countermeasures.

According to the size of the bank and its influence in the industry, Wing Hang Bank Feng Yao King is stronger than the others, at least with the largest number of branches. He should be the first to speak, and this applies to any place and occasion.

Feng Yaojing first said: "The current living environment for small banks in Xiangjiang is getting increasingly difficult, and there is basically no room for small banks like us to survive. Zheng Yutong acquired Far East Bank with a high profile and entered the banking field strongly. Now, if rare earth mineral company bonds are directly issued, if

I don’t want to take any countermeasures; we may also follow in the footsteps of Hang Lung Banker and Far East Qiu Family.”

"Don't be afraid of your jokes, today alone, more than 300 million Hong Kong dollars were withdrawn from Wing Hang Bank. Large withdrawals still require reservations; if we don't come up with a response strategy, this number may double tomorrow."

The other people were not too surprised when they heard that 300 million Hong Kong dollars were withdrawn from Wing Hang Bank in one day. Their situation was almost the same, not even much better than that of the other party. The main reason why they did not withdraw so much money from customers was because

The scale is smaller than Yongheng, but in terms of proportion, it is the same.

Knowing that he had to express his opinion, Zhuang Shiping said: "The situation of Nanyang Commercial Bank is similar, or even worse. Now it is no longer a matter of one bank, so we must join forces."

"With the strong rise of Heiyun Bank, especially the other ATMs that have spread all over the streets of Xiangjiang, our previous advantages have disappeared. In the past year, very few people have come to the bank to open accounts. Fortunately, everyone has some

With our old customer base, we won’t have nothing to eat.”

"But now Zheng Yutong comes out to disrupt the situation again. If we don't find a response strategy, everyone may really have nothing to eat."

"Wu Sheng has a good relationship with Qiu Degen. I wonder if he has revealed anything about Far East Bank to you. Only by knowing yourself and your enemy can you win every battle."

"Although we all know that Far East Bank, which is now Zheng's Bank, has many non-performing loans. But the specific situation is definitely not as detailed as the Qiu family's data. Although this involves bank confidentiality, the Qiu family has already communicated with Far East Bank at this time.

The bank has nothing to do with it. Are you just watching us suffer misfortune? Can't you remember the past friendship and reveal a little useful information!"

Zhuang Shiping's so-called advantage is that these banks have branches in remote places, which can serve some markets that big banks did not look at before. Many of them are elderly people. If there are no accidents, they will basically not go to other banks to open accounts. Customers

Still very stable.

But Heiyun Group does not need to open a branch at all. One ATM can solve all problems. If that doesn't work, just use two. As a result, the growth rate of the depositors of these banks is very slow or even non-existent.

But after all, we had some foundations before, and if we serve existing customers well, we won't go bankrupt. But now Zheng Yutong's tactics are too cruel, and he wants to beat everyone to death with one stick, leaving no chance of survival.

As for the mention of the Qiu family, it is because Wu Yisun and Qiu Degen have a close relationship; they often drink tea and chat together. If you want to find out the specific situation of Far East Bank through Wu Yisun, you must at least know it well.

But who would have thought? Qiu Degen acted completely according to the rules and did not give anyone any face. He also made it clear that he would no longer participate in any matters in the field of Xiangjiang Bank; his attitude was very firm!