Reborn Xiangjiang Tycoon Growth

Chapter 32 The shock of Hong Kong's banking industry

At 4 o'clock in the afternoon on September 15, 1977, this was the half-month settlement day for every bank in Hong Kong. But just today, the amount of US dollars remitted to the account of Heiyun Game Company made HSBC, who had seen big scenes,

The bank employees were shocked. What on earth did Heiyun Company do?

In fact, we can’t blame them. In the eyes of Hong Kong people in this era, the most profitable businesses are real estate, banking, shipping and retail. The jewelry industry seems to be so-so. Other industries have no advantages in Hong Kong.

, although the garment industry is doing well, it is hard-earned money and the profits are actually not high.

But I didn’t expect that a small game company would make such a huge amount of money these days. Just half of this month has passed, and all of Heiyun’s customers have remitted a total of US$180 million to the company’s account, mainly thanks to Phil Hawking.

Si, this guy agreed to remit the full payment for the order in order to obtain the agency rights. His company alone remitted US$90 million, not counting the US$13 million in machinery he paid for the goods.

The incident at Heiyun Company directly alarmed HSBC's general manager Puisi. Mo Keyuan reported to Puisi at the company meeting the changes in the amount of Heiyun's account in the past half month.

Shen Bi, the senior manager of HSBC, was supposed to chair the meeting, but Shen Bi was in London to report on his work during this period, so Puves chaired the meeting.

Pu Wei Shi: Manager Mo, is there something wrong? Why did Heiyun Game Company’s account change so much in only half a month?

Mo Keyuan: We have carefully checked it three times, and have already sent faxes and phone calls to the bank that remits the money to us.

Pu Weishi: So this game company is not simple!

Mo Keyuan: This is just for us here. I heard that a large amount of US dollars was also transferred to Heiyun's account at Standard Chartered Bank. Bao Zixuan knows that eggs cannot be put in one basket. Although some things in the banking industry are interoperable, they also

There is a competitive relationship, which makes everyone know that Heiyun Company may have a large deposit in the other party's bank account, but the bank's principle of customer confidentiality makes it impossible for the opponent to know the specific amount of the customer's account. Otherwise, it would have been leaked through its own bank.

If you don't have customer information, you will be very passive, which may cause customers to cancel their accounts. In serious cases, it will lead to large-scale bank runs. You can't keep it secret for me, so why should I trust you!

Pu Wei Shi: Then their expenses are high.

Mo Keyuan: They spend a lot of money. In addition to the purchase of components, their biggest expenditure is the purchase of equipment and the construction of the factory. I sent people to investigate and found that the construction parties who built the factory for them basically worked in two shifts, maybe because

They are very fast in settling the payment! I tried to get a loan from them several times, but their boss is currently studying in the United States! So it was not successful.

Pu Wei Shi: I remember you said he was our Oxford alumnus! Why did he go to the United States to study again?

Mo Keyuan: I asked their vice president, Ms. Zhao Tingting, about this issue. Bao Zixuan is the only student from Xiangjiang who was directly admitted to Oxford University and MIT as an exchange student. So he still has to study at MIT.

After completing the last two years of study, they also established a branch in the United States. We learned that their remitters this time were mainly major game agency companies in the United States. Citibank in New York alone remitted US$90 million to us.

In fact, Bao Zixuan deliberately let Zhao Tingting leak this information, so that people would regard him as an immortal genius, because only in this way, others will not doubt your research results.

Puwei Shi: Okay, I will report to the senior class when he comes back! Pay close attention to Heiyun Game Company. We must meet their requirements as soon as possible. I heard that the boss of Heiyun Company entrusted us to acquire stocks. This matter

Manager Yuan is responsible for this!

Yuan Tianfan was shocked when he heard this. He didn't expect that this young man who only met him once and never asked about the stock acquisition situation. After spending 10 million US dollars to drive the acquisition of 200 million Hong Kong dollars, the young boss who had no follow-up was not just pretending.

Calm. But I have never been afraid of the risk of liquidation. I have enough money.

Yuan Tianfan: Yes, he spent 10 million U.S. dollars and entrusted us to use 4 times leverage to acquire Wharf’s shares. So far, 55% of the target has been achieved.

Pulis: This boss also has a good vision in finance! Handle the matters entrusted by Heiyun Company well. This time we must let the other party know that HSBC is the best choice for cooperation in Hong Kong. If Standard Chartered Bank is allowed to steal it from us,

Taking on such a large customer would be a serious dereliction of our work. I hope everyone will remember that you are all senior executives of the bank, and everyone understands the principle of confidentiality for customers. We hope that leaking customer information will not appear with us.

This young man was able to earn so much money while still completing the rest of his studies on campus. He seemed to be someone who wanted to develop in a low profile. Since he did not want to attract too much attention, we were obliged to keep the client confidential.

While HSBC was having a meeting, Standard Chartered Bank was also holding a semi-monthly meeting in the conference room. The meeting was chaired by Bauhaus-Sanderson, the head of Standard Chartered Bank's Asia region. Each department reported to him the main content of its department's work, and everyone

There is nothing outstanding. After all, HSBC and Hang Seng Bank in Hong Kong are much larger than Standard Chartered Bank. Although they have the right to mint currency, they mostly print small-denomination banknotes because they only have a 30% share.

But when Huang Zefa, manager of the deposit department, reported, everyone felt that the US dollar deposits had increased so much all of a sudden.

Bauhaus-Sanderson is only 34 years old this year and has his own abilities, but many people think that he can stand out and become the head of the Asian branch of Standard Chartered Bank's most profitable region; more because of Sanderson

His family is the largest shareholder of Standard Chartered Bank. He is not the kind of rich second generation who cheats his father. He is also a man who wants to prove to his family and doubters that he is not just relying on his ancestors to overshadow him. This position was obtained by his ability, so he

Brothers and sisters, take a look, I, Bauhaus Sanderson, am the most suitable successor to Standard Chartered Bank.

Bauhaus-Sanderson graduated from the Department of Economics of Oxford University and worked step by step from a stock trader at Standard Chartered Bank to his current position. Only he knows how much hardship he endured in order to make his grandfather value him. This is also why he

The main reason why he was able to defeat many competitors and become the loser of the Asian division is because he is the most willing to endure hardship and the most capable among the third generation of his family. He is not a bit better than his brothers and sisters, at least on the surface.

.

Bauhaus-Sanderson: Manager Huang, how come there is an extra 80 million US dollars in deposits? Is it a mistake? Or someone is laundering money through our bank.

Huang Zefa: Mr. Sanderson, I checked it 4 times carefully. The increase of 80 million US dollars came from Black Cloud Gaming Company. They just opened an account in our bank at the end of last month. At first, everyone didn’t pay attention to it and just regarded it as a

They are treated as ordinary customers; but in the past few days, 80 million US dollars have been remitted to their company account. These are remittances from well-known foreign banks, and there are no illegal transactions or money laundering.

Bauhaus-Sanderson: That's good. This company is a big customer of ours. We must serve it well and never let HSBC know their information.

Huang Zefa: Mr. Sanderson, I'm afraid this is also what HSBC is worried about, because based on HSBC's attitude towards them, the U.S. dollars in the HSBC account may be twice or even several times that of ours. Their main account is HSBC, and we are just dividing the money here.

account. And he has not touched the money with us. All payments are handled by HSBC.

At this time, everyone was shocked. They didn't expect that a small game company could make so much money.

Bauhaus-Sanderson: Okay, then let’s see what the other party needs, and we can snatch their payment business. I don’t want large amounts of currency exchange rates and handling fees to go into HSBC’s pockets. Since they

Our main business is overseas, which is our advantage over HSBC. Find an opportunity to arrange for me to meet with the boss of this company.

Huang Zefa: Okay, but the meeting may not be possible in the short term. After completing two years of studies at Oxford University, the owner is now completing the remaining studies at the Massachusetts Institute of Technology in the United States. He has no plans to return to Hong Kong in the short term. I passed

Where did Ms. Zhao Tingting, the vice president of their company, find out that I had made such a request to him before.

Bauhaus-Sanderson: Turns out he is an alumnus of Oxford! That’s easy!

After explaining everyone's work, Bauhaus-Sanderson began to inquire about the situation of Bao Zixuan from his classmates in Oxford and some who stayed at the school to teach.

Bao Zixuan did not expect that his craziness in the United States would already create a reputation in the banking industry in Hong Kong.

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