Reborn Xiangjiang Tycoon Growth

Zhuang Qingquan, who originally thought that Standard Chartered Bank and Hua Xia Bank could provide help, would not have thought that both companies had changed their minds in just one day! If it was one company, it might be because of financial problems, but now the two companies have made it clear that they will not save the bank.

After Zhuang Qingquan graduated from primary school at the age of 13, he went to the Philippines with his father Zhuang Cairun, where he received a middle school education. He was fluent in Chinese, English and Filipino. The father and son started in the cigarette industry, and later founded a large-scale modern cigarette factory, and gradually

The Zhuang Wanyi Group was formed, which invested in Bank of Communications, Alliance Far East Development Co., Ltd., Central Apollo Steel Plant, Philippines Nanhua Tobacco Factory in the Philippines, and operated in textile, steel, real estate, tourism, import and export and other industries.

It can be said that after many years of hard work in the business world, if no one has said hello to these two banks, it is impossible to change their minds at the same time. After all, the banker has not reached the end of the road. But who has so much energy, can actually make two banks bankrupt at the same time?

Big banks would rather lose their credibility than care about Hang Lung Bank's affairs.

When he got home in the evening, he saw his cousin Zhuang Rongkun already waiting for him at home. In recent days, the division of labor between the two brothers has been very clear. His cousin Zhuang Rongkun is sitting in the bank to deal with the bank run crisis. His younger brother Zhuang Qingquan went to major financial institutions to borrow funds.

Seeing his brother's expression, he knew that things were not going well, otherwise he would not be so gloomy. However, his life in the bank was not easy either. Today alone, more than 1,000 depositors came to withdraw money. For a small bank like them,

But I can't stand the trouble.

Zhuang Rongkun said: "Qingquan, why didn't things go smoothly?"

Zhuang Qingquan replied: "I don't know what happened. Standard Chartered and Hua Xia Bank had promised to guarantee us before, but they suddenly changed their minds for some reason. We originally made an appointment to have dinner with Bauhaus-Sanderson in the evening.

During dinner, the other party actually told me that there was an urgent matter that needed to be dealt with and there was no time in a short period of time. He also made it clear that Standard Chartered Bank was too busy to take care of itself and no longer had the ability to guarantee Hang Lung Bank."

"Standard Chartered Bank's attitude has been very clear. They just don't want to help. Even if they don't care, they are a bank that is over a century old. It is impossible that they have no background at all, and they also have the right to mint money. Everything is just an excuse."

"The bankers are not at the end of their rope yet, but they are just adding insult to injury. We must be more cautious when dealing with these British people in the future."

Zhuang Rongkun had already thought about the outcome, but he still asked without giving up: "What about Hua Xia Bank? Are they not willing to help?"

Zhuang Qingquan said with a wry smile: "The people from Hua Xia Bank told me that they have received instructions from the Kyoto head office and they are not allowed to interfere in the affairs of other banks in Xiangjiang. But I guess these are all excuses. They just didn't say clearly that they would not help because of face."

Zhuang Qingquan then asked: "Brother, how is the situation at the bank today?"

Zhuang Rongkun: "Today alone, more than 1,000 depositors came to withdraw money. The bank's capital reserves have decreased by 70 million. If this continues, our funds will bottom out in a few days."

"This time it's all my fault. I thought that helping Xie Liyuan's gold shop with guarantees was to establish a relationship with the Xie family. Who would have thought that Xie Zhichao was just doing it in the name of the Xie family, and if something went wrong, the Xie family in the gambling city would not care about him at all."

"Now Young Master Xie has started to act like a bachelor, causing us to suffer the same consequences; what do you think this is?"

It was Zhuang Rongkun who overcame all objections to guarantee Xie Liyuan's "Qianzu Gold Accumulation Plan". Zhuang Qingquan reminded him many times. Especially during the period when the price of gold soared, he repeatedly hoped to see Xie Zhichao's purchase with his own eyes.

Physical gold, even if there is no physical gold, it is a futures contract.

However, Zhuang Rongkun felt that doing so was a distrust of the Xie family. After all, the Xie family had been running a gold shop business for more than a hundred years. The family definitely had gold reserves, and the amount of gold they purchased in Xiangjiang was nothing at all.

The two banker brothers were lost in thought in the living room. At this time, the eldest daughter of the banker, Zhuang Xiaohui, came to her father, Zhuang Qingquan.

Zhuang Qingquan felt a little relieved when his daughter arrived. Not only was his daughter beautiful, but she also had outstanding abilities. Now she is the lobby manager of Hang Lung Bank, and she is very good at handling bank affairs. She also has no ladylike temper and is well received by customers.

.

Zhuang Xiaohui looked at the two banker brothers and said: "Uncle, father, I don't know if you heard a piece of news today. Bao Zixuan of the Black Cloud Group personally visited Bauhaus-Sanderson, the president of Standard Chartered Bank. It can be said that the two people had a great conversation.

They had fun together and even had lunch together. It is for this reason that while other banks were experiencing runs, Standard Chartered Bank was collecting deposits."

As the lobby manager of Hang Lung Bank's head office, Zhuang Xiaohui learned the news from depositors. After considering that Standard Chartered Bank and Hua Xia Bank were not guaranteeing Hang Lung Bank, it was not difficult to see the truth behind it.

The Zhuang brothers are not stupid people, and they can speak clearly. Zhuang Rongkun said: "Qingquan, did you find any problems from what Xiaohui said?"

Zhuang Qingquan: "You are saying that Heiyun Bao Zixuan doesn't want to see anyone helping us, and we have not offended him; so what is his purpose.

As the lobby manager of Hang Lung Bank, Zhuang Xiaohui has been to Heiyun Group several times, mainly to attract some business. Several of his classmates work in Heiyun Group, and he also got some information from his classmates.

Zhuang Xiaohui: "Uncle, father; I have several classmates who work in Heiyun Group. Although they are not senior managers, they still work at Heiyun headquarters. I can get first-hand information. In fact, the last time Swire Pacific acquired

After the defeat of the war, Heiyun Group had the idea of ​​establishing a bank."

"But it was rejected by Bao Zixuan. At that time, he had not finished his studies. There are still many things within Heiyun that have not been perfected. After all, Bao Zixuan did not focus all his attention on business management before."

"Now that I have completed all my studies, it can be said that the focus of my future work will definitely be on Xiangjiang. We don't know how big the Heiyun Group is, but judging from the number of employees in the factory, the annual sales volume is absolutely an astronomical figure."

"The Xie Liyuan Gold Shop incident is a crisis for us, and a good opportunity for bargain hunting for Bao, who is not short of money. Hang Lung Bank must be targeted by Bao, otherwise Standard Chartered Bank and Hua Xia Bank will not be able to change their minds temporarily.

"

Fang Qingquan was very pleased to hear his daughter's analysis. His daughter's ability was much better than that of his sons. He was determined to pass on the family business to his daughter, but he was afraid of doing so due to traditional thinking. After all, his daughter would get married sooner or later.

However, before getting married, the daughter still has to take care of some things, especially at this time, when the life and death of Hang Lung Bank is related. If you let your son get involved now, please wait until the bank collapses!

Zhuang Qingquan: "What Xiaohui means is that Bao Zixuan wants to acquire our bank. Can he like our size?"

Zhuang Xiaohui: "I guess this is just the first step for Bao Zixuan to enter the banking industry. The current environment is not only difficult for our bank, but other banks are not much better. Bao Zixuan is very ambitious. He has been building factories all over the world.

It is not difficult to see what kind of enterprise he wants to develop Heiyun into. This kind of person will definitely open banks wherever his factories are built."

"Bao Zixuan and I studied abroad in the UK for one year overlapping each other, but you know what! He has never attended any parties. He is the only Hong Kong student in the UK who never attends parties. Some even have family conditions that are not as good as his.

, but he still attends parties. Not only does he attend gatherings with foreign students from Xiangjiang, but he is also rarely seen interacting with other students in Oxford. At the same time, he spends a very long time in the laboratory, and he must complete the project before taking a break. These are what we

It was all just hearsay, but it was later confirmed."

"From here, it is not difficult to see that this person is persistent in things and does not like meaningless social interactions. He has a very clear purpose in doing things and is the kind of person who will never give up until he achieves his goal."

In this era, families with some ability in Xiangjiang would send their children to study in the UK, and the Zhuang family was no exception. But what Zhuang Xiaohui didn't know was that Bao Zixuan didn't have time if he didn't attend the party, and he didn't want his mother to work too hard. At the same time, he was the only one studying science and engineering.

Academics are the most demanding for international students coming from Xiangjiang.

Zhuang Rongkun: "Xiaohui's analysis is very reasonable. How should we respond? I really don't want to give up the bank. I am really unwilling to do so."

Zhuang Xiaohui: "We need to take several steps now. The first is to improve the confidence of depositors and find some big banks, financial companies, or large companies to provide guarantees. Although it seems of little significance now, we must try."

"The second is to let the Hong Kong government take custody of the bank. However, after doing so, it will be difficult for our bankers to continue to develop in Hong Kong."

"Third, since we know that Mr. Bao is interested in banks, we will support it for a while longer and pretend to mobilize funds from Southeast Asia to try to sell it at a good price."

Zhuang Xiaohui's method was very feasible, but Zhuang Rongkun fell into deep thought; he couldn't tell the truth. Zhuang Rongkun illegally misappropriated more than 200 million Hong Kong dollars from Hang Lung Bank, and this amount alone was enough for him to drink a pot.

Regardless of the outcome, as long as the bank is no longer run by a banker, he may face jail time.