Reborn Xiangjiang Tycoon Growth

Seeing that the time is about the same, we have talked about everything that should be discussed with people who are familiar with it. It also gives Governor Youde a chance to communicate with Bao Zixuan alone. Next, we must implement the plan according to the plan. We call everyone to a meeting, just to complete the plan, not to give Others provide a platform for communication.

A large round table was temporarily built, and it seemed that there was no priority. After all, there were not many people coming this time, and there were only a few banks in Xiangjiang. And similar to the banks in the United States and Japan, there were no invitations.

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 taken the main seat before, but now he does not have the courage; and most importantly, he does not have the strength.

When everyone let him go, it was because he could bring benefits to others. But what HSBC has now, at least in front of Black Cloud Bank, is a role that is being crushed. And there are not many people coming this time, plus they are 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, Cheng 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, of course, we also need to add Zhang Jianxin from Nanyang Commercial Bank.

In addition to the Governor of Xiangjiang, Youde, there were 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 is sitting in the middle, with Shen Bi and Bao Zixuan on the left and right. At this time, we 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 that in recent times, competition among companies has been very fierce. Some even resort to unscrupulous means to win over depositors."

"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."

The sharp increase in deposit interest rates means that banks' operating costs increase. It may be able to withstand it in the short term, but in the long run, even if you have money, it will probably be very uncomfortable.

In order for the banking industry in Hong Kong to develop healthily, I hope you can control the deposit interest rates. Do not use excessively high interest rates to attract customers.

Shen Bi would never invite everyone over because of 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 it is within a reasonable range. Of course, the loan interest is not very high either. But for applicants, the requirements are not low. Company employees can do it without a mortgage. .But for other customers, it’s not that easy.

Since everyone is looking at you, you 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. No one really wanted to offend Shen Bi if it didn't involve their own core interests. A camel is so skinny that it's bigger than a horse. No matter how you say it, the other party is the same. HSBC Bank Taipan. If you are resented by the old boy for a trivial matter, then your own banking business will inevitably be restricted.

But without high interest rates to attract customers, how can banks survive? Brand awareness and other aspects are far behind 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 no sweeteners were given, no one would be willing to put their money in a bank with a poor reputation. This is human nature.

For this reason, he did not hesitate to get into trouble with Shen Bi, but for the survival of the Zheng family, he did not care so much. Unexpectedly, Shen Bi spared no effort and even managed to hold such a meeting without explaining himself. If all banks If everyone agrees, 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.”

"Why do some people make money and others lose money at the same price? 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 what Sha Dantong said. Sha Dantong still needed to rely on Shen Bi in many places. At this time, he openly contradicted the other party. It seemed that he was really forced to do so.

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 yuan, they will not dare to urge you, and they will have to serve you with delicious food and drinks. But if you owe the bank 100 million yuan, they will not dare to urge you. , these people are very powerful people; if it is not a large company's turnover needs, or the company is bankrupt, the amount is too large, but they still have the ability to borrow money.

But facing a loan of 100 million, the company's treatment of her is different. The company will first greet her from time to time. It will also send gifts, etc., treatment. It will also ask about her physical condition from time to time, and it will not dare to offend him. I'm angry, and I'm afraid I won't be able to pay it back.

There were so many things that happened to Shark Dantong before, and many of them were HSBC's cover, or loans. The loan the Zheng family owes to HSBC is much more than 100 million. And it is related to the continued survival of the Zheng family bank, even if it is Shen Bi asked them to make corrections, but it didn't work.

Because according to Shen Bi's method, it might 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; plus the rare earth mineral bonds, it is a mess. If it were not for its strong financial resources, it would have fallen down long ago.

The real estate market in Xiangjiang is currently sluggish, so New World Real Estate, a cash cow, also needs a blood transfusion from the Zheng family. The only company that makes money 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 Bao Zheng Mining Company, although it is making money now, it is still repairing holes. The bonds issued last time were in the name of the rare earth company. Even if it can come up with the money, it still needs Bao Yugang's nod. Under the current situation, the chartered ship king

I wouldn't do that.

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

And they all know that if they want to live a good life in the future, it doesn't matter if they suffer some losses now. As long as HSBC and Standard Chartered Bank do not collapse, then the future of Hong Kong's financial market will not be decided by Chinese capital.

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 a rival bank?"

We, small and medium-sized banks, will definitely not be able to compete. At present, we can only use other methods to survive. 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 HSBC be saved?

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. Those who are doing this may not say that they are following his lead, but at least they will listen.

Sure enough, after Huo Yingdong expressed his stance, several other companies also expressed their stance. 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 way.