The Industrial Giant Reborn

"What's going on?" The plunge in Land's stock naturally alarmed Jardine Matheson Land's current top executives, Newbikin and Pau Fullerton, as well as Simon Keswick, who stayed in Hong Kong and waited for the opportunity. They also found out.

As Niubijian, the senior class member of Jardine He, naturally does not need to go to work on time like ordinary people. They usually arrive at the company a little later. After all, they are not as good as younger ones when they are older. However, if the company has a lot of things, they will naturally Will go back later. For them, there is no time to do things.

When I was on the road today, I heard the news on the radio in the car that Land's stock price had plummeted, but I didn't know why. After arriving at the company, I quickly asked.

A secretary quickly brought up the pages about the land purchase issue from several newspapers and said: "Mr. Newbijian, this morning, several newspapers suddenly exposed that when we borrowed money from Hisense Bank, the information we submitted involved concealment. Here is the content, take a look.”

"Thank you." Niubijian did not lose his temper with his men. He took the newspaper and read it carefully.

"I just told you that Chen Zhiwen will definitely dig a hole in the loan." Simon Keswick, who was drinking coffee leisurely on the side, said before Newbijian could speak.

"This is the internal information of the Bank of Thailand. How did you get these newspapers?" Niubijian ignored Simon Keswick and asked other people around him.

"We have already asked the Bank of China, but when it comes to internal secrets of the bank, they have not responded to us yet." The secretary quickly explained that after the newspaper announced the matter, he immediately knew that the matter was serious, and immediately reported it to Thailand I called the other party, but because of the time difference, they were not at work yet. I finally waited until someone answered, but because it involved bank confidentiality, they needed to conduct an internal investigation first. Before that, they would not inform outsiders. .

"Although there is no evidence in these newspapers that we borrowed money from Thailand's Bank of Thailand, the amount and time are clearly stated, so it is either a secret leaked internally by us, or it is Bank of Thailand, but the Bank of Thailand, even if the information is leaked, it will It would not be possible for the media in Hong Kong to get it first, let alone know the information that our Land submitted to Hisense Bank. Only by matching the information with each other can we discover our secret. Niubijian, what do you think the problem is? ?" Simon Keswick said with a sneer. His opportunity came again, but this time it was also a big crisis.

"Either we have a mole within us, or Chen Zhiwen got the information from Danong Bank." Niubijian said with a livid face. He was not a fool. After a little analysis, he would know what was going on.

"Have you ever thought about how Chen Zhiwen knew about Da Nong Bank? Isn't there an insider?" Niubijian chuckled, but there was also a hint of haze in his heart. The internal fight between himself and Niubijian returned to internal fighting. , but no matter who it is, they will not tolerate a mole. This is a matter of principle.

"Now it seems that Chen Zhiwen must be behind this. It turns out that this is a trick to force us to pay our debts." Niu Bijian said coldly.

Under normal circumstances, no matter how much money Land owes, as long as the interest and part of the principal are repaid in accordance with the contract, the bank has no right to intervene and cannot collect the debt. As for the issue of insufficient collateral, although it can also be used as a reason to pursue the issue, But as long as you can add more collateral.

Furthermore, the rules of the banking industry cannot be completely rigidly based on contracts. If you force customers to pay back money because of a small problem, you will offend all customer groups and ruin the reputation of your bank. After all, when it comes to business, how many people can guarantee that their business will be fine? Or maybe it’s good now, but what about later?

No one is willing to cooperate with a bank that won't let go of any minor issue. In business cooperation, under appropriate circumstances, everyone can make some concessions, or turn a blind eye.

However, if there is any problem with the large amount of financial information provided, it is deceiving the bank for a loan in principle. Not only will you be held accountable, but if you cannot repay it, you may even be criminally liable. In this case, it doesn't matter what the bank does.

"Now think about what you would do if Chen Zhiwen pressed for debt, right? You have spent more than 2 billion in more than a month, and now is the price." Simon Keswick said coldly.

He knew that Chen Zhiwen would definitely have some tricks up his sleeve, but unfortunately, the management power was not in his hands, and Niubijian and others did such things regardless of the risks in order to please shareholders. Now that they are caught, they will only fail.

"It's only 18 million US dollars. If you introduce a scapegoat at random, just say that he missed this loan. If you insist on this reason, then at most you can make up for the accounts. If you are more stable, just pay off the money in advance. Give me some Just give the money to this person." Niubijian thought for a while and said.

If it involves large-scale loan fraud, then the responsibility will naturally be serious. However, if there is only one data, it can be said to be the mistake of his subordinates. Even if it really goes to court, if he hires a lawyer to defend him, he will not even be held criminally liable. Not necessarily.

"This is just an introduction. Chen Zhiwen will definitely seize this issue to make a big fuss, and even ask the court to allow him to audit the entire Landmark. By then, no matter how perfect the financial information you submitted to him before, the entire Landmark will be destroyed. How miserable it is!" Simon Keswick said slowly.

Different from the audit he presided over, the audit of the major shareholder mainly looks at internal problems such as whether there is corruption, unworthy of his position and other internal problems within the company. As for some external things, everyone only needs to know what is going on. He, the major shareholder, does not You may tear down the walls of your own company, even if you make false accounts to deal with the bank, it is normal operation. Many people in the business community do this. As long as it does not involve tax evasion, there is no big problem.

But if the bank came to investigate, it would be another matter. Once it found that there were many differences from the information submitted before, it would be a clear loan fraud.

"Does Chen Zhiwen want to destroy Hisense Bank?" Niubijian frowned and said, "Even if there is a problem with our information, Hong Kong society is basically like this. Isn't he afraid that no one will dare to cooperate with them in the future?"

"What is more important when exchanging a Hisense for land? I think Chen Zhiwen will have this account in his heart." Simon Keswick said: "Besides, it also depends on the scale of your loan fraud. Proper optimization and complete fraud are two different things. If If it really involves large-scale fraud, then it is normal behavior for the bank to hold the bank accountable. I estimate that Chen Zhiwen has been in this situation since he was preparing to lend you a loan. You refused to listen to me at the beginning, but I want to take a look at the current situation. How do you solve it?"

"Let's understand the specific situation first. Ximen, if Chen Zhiwen really kills him, it will definitely be for land acquisition. No matter how many conflicts you and I have internally, it is against me now. We can't let Chen Zhiwen break it down one by one." Niubijian thought. Want to say.

At the beginning, Real Estate was in a crisis where the capital chain was broken. In that case, he had to leave without money. With no other choice, he could only go to Hisense Bank, which had just made a fortune from the Hong Kong dollar exchange rate crisis. Although he knew Chen Zhiwen has been planning the opposite strategy for a long time, but considering the scale of Yizhi Mutual Control, his confidence in the future real estate market and the default rules of the Hong Kong banking industry, he can only take a gamble.

Even a 10% probability is better than 0%.

"Now you are thinking of me. Unfortunately, my Keswick family does still have some capital overseas, but it is no match for Chen Zhiwen." Simon Keswick said coldly.

The Keswick family has a century-old heritage. It was already well-known in the UK before acquiring Jardine Matheson. It also has many investments overseas. It can be said that it is one of the more well-known families in the UK. However, a long history does not mean that it has strong capital. Compared with Chen Zhiwen Such an upstart is still too far behind. Just because they have almost monopolized the global gaming electronics industry, they can hang up the entire Keswick family and beat them up.

When it comes to capital competition, there are probably not many families in the UK who can compete with others.

"You don't need to compete with Chen Zhiwen for capital, as long as you can cope with the current crisis." Newbijian said. Of course he knew that Chen Zhiwen was now unrivaled in Hong Kong. A few years ago, he might have wanted Yi He Department competed with others for the title of Hong Kong's largest consortium, but gave up after 1980.

"Let's not talk about whether I have the ability to do it. Even if I can, do you think someone shouldn't be responsible for such a thing?" Simon Keswick stared at Newbijian coldly and said.

"Solve the immediate problem first, and then discuss responsibilities." Newbijian avoided the topic. This matter was indeed a gamble for him to keep his position. In fact, he himself felt that the possibility of success was unlikely. , which tiger doesn’t like meat and fish? No one would dislike such a big piece of land, not just Chen Zhiwen, no capital would be willing to miss it, but at present, only Chen Zhiwen has this ability.

But he didn't regret it. Anyway, he would still leave if he lost. At most, he would just get some severance pay. After working as a top class member in the Jardine Department for so many years, the superficial income alone was enough for him to live a happy life, and that little There is a small chance that if he wins, he can still control one of the largest consortiums in Hong Kong.

"Okay, I really want to know, what is Chen Zhiwen's next step?" Simon Keswick also knew that Niubijian would not admit defeat until the last moment. He was very unhappy, but there was nothing he could do about it. This guy was consuming the entire company. He only wanted to keep his position. He could only blame his family for losing the management rights of the company ten years ago.

Land's affairs intensified. In the afternoon, Hisense Bank responded that it had obtained relevant data from Thailand's Agricultural Bank of Thailand, confirming that the data submitted for Land's last loan did not include this item. At the same time, it immediately went to court to sue Land, demanding an audit of the entire Land's accounts. , to determine whether the incident at Thai Agricultural Bank was a mistake or involved loan fraud.

The next morning, Land's deputy financial director went to the Independent Commission Against Corruption and reported that the entire Land Group was involved in falsifying accounts. This double blow pushed public opinion to a climax.