"Brother, Chen Zhiwen has acquired Hisense Bank. Do we still need to withdraw the money? We will be here soon?" Among the countless people queuing up at a Hisense Bank branch in Tsim Sha Tsui, a man in his early 20s, Asked the people around him.
The man called Big Brother thought for a while and said: "Chen Zhiwen's net worth is far more than Hisense Bank. If he acquires Hisense Bank, Hisense Bank's debt should not be a problem."
"So we won't take it?" the younger brother asked again.
"Let's wait and see how others react." The eldest brother originally thought that there should be no problem, but he still felt that we should see what others would do.
"Okay." The younger brother nodded and said.
As the elder brother expected, everyone in the entire branch soon knew about it, because the bank's account manager had already shouted everywhere with a loudspeaker. Some people on the scene were doubtful, and the bank was also very generous and directly borrowed money. He called his own phone number to the depositors at the scene, and several depositors immediately called their friends to confirm the matter.
Immediately, everyone stopped crowding. After all, they no longer needed to move towards the counter to withdraw money. Even the people next to the counter subconsciously dispersed. The staff who were busy just now suddenly seemed like It felt like I was discouraged and had nothing to do.
Suddenly, a person suddenly shouted and ran to the counter and said, "Miss, can you put my money in again and just pretend I didn't withdraw it, okay?"
"I'm afraid that's not possible, sir." The cashier at the counter was stunned for a moment and said quickly. The withdrawal procedure has been completed. Of course, it is okay to deposit money again, but it is not possible to treat it as if it has not been withdrawn. After thinking about it, he understood that the other party must be because of the previous I lost interest and now I regret it.
"It's okay, it's okay, the queue time is long, otherwise I would have taken it out too." The person observing the incident behind him also understood what the reason was, and he suddenly breathed a sigh of relief, it's okay, otherwise, the interest It's a total loss.
"Sir, the withdrawal procedure has been completed. It was a consensual relationship between you and me before. You took it voluntarily. The signature is still there. If you are still willing to continue to deposit it in our bank, I can give it to you within the maximum scope of my authority. The highest discount." Just now, the bank lobby manager was trying to persuade people not to withdraw money, but now he is doing the opposite. The world is so magical.
"I just withdrew 300,000 yuan, and I lost 30,000 yuan in interest alone. Is there any other way? I have lost too much." The person in front of the counter obviously refused to leave.
"Sorry, sir, I really have no choice. Banks all over the world are like this. It's impossible for you to withdraw money in breach of contract, and we will still pay interest." The lobby manager said in embarrassment. This kind of thing is absolutely impossible unless the top leaders agree.
It seemed that he had regained his senses, and the visitor also stood up, and then walked out. He was so excited when he just took it out, but now he is so disappointed. At this moment, the people outside the bank dispersed, and the people in the hall were not so busy. It was crowded.
"We lost thirty thousand yuan in one fell swoop. How pitiful." A young bank employee who looked to be in her early 20s said in a low voice.
"I'm sorry for your size. I have 300,000 in cash deposits, and it's only in our bank. Do you need to pity me?" The lobby manager was so angry that he was almost forced to death by these people just now. Now he just got better. You pity these people, and you, a poor guy, still pity the rich?
"Oh." The little girl was scolded by the leader and quickly ran away.
The same thing happened at all Hisense Bank branches in Hong Kong and even Macau. Some people cried with joy because their deposits were safe and they did not need to worry about their lifetime savings suddenly disappearing. Others were furious and lost a fortune. Big interest.
Hong Kong, Hisense Bank Building Headquarters.
This building, located in Wan Chai District, was built in the 1960s and has only 12 floors. Although the buildings nearby are not very high, most of them are over 20 floors. The Hisense Bank Building appears to be very short.
But this is normal. The younger the building, the shorter the floors. Even HSBC Bank. The current HSBC Bank’s new headquarters building has not yet been built. It is still in the 7-story headquarters building. However, The difference is that the HSBC headquarters building has a large floor area.
"This building is a bit too old and too short. Let's find some architects and design some sketches first. After a while, we will demolish it and build a new one." Chen Zhiwen just came to the downstairs of the building. After taking a look around, he said: He said while looking at Li Haonan and Zhou Jiayang beside him.
Naturally, he doesn't like buildings that are too old and too small. It is probably Hisense Bank itself. If it had not discovered that it had been defrauded of 66 million US dollars, it would probably have to change its headquarters building in a few years if it developed normally.
And now that I have acquired Hisense Bank, I will definitely invest resources in it in the future to make its scale grow faster. As a result, the area of this old headquarters building will definitely not be enough, and it will not meet the brand of a big bank.
"Leave this matter to me. Hutchison Whampoa's current construction team has already undertaken several buildings and has a lot of experience. However, we may still need to hire a professional company for design." Zhou Jia Yang said with a smile.
"Okay, I'll leave it to you then." Chen Zhiwen nodded and said.
Hutchison Infrastructure, a subsidiary of Hutchison Whampoa, as early as 1975, when Hutchison was acquired, Chen Zhiwen specifically asked Zhou Jiayang to focus on supporting this subsidiary to facilitate future investment in the construction and infrastructure fields. Over the years, Hutchison, Whampoa, and Wharf has also developed countless properties. In the beginning, it was naturally outsourced, but Hutchison Infrastructure was also involved. Learn quickly and grow on your own. If it is not fast enough, then poach the other party's talents together. Anyway, Hutchison Wharf Welfare for employees is also among the best in Hong Kong, second only to profiteering companies such as Midea and Red Bull.
Later, Hutchison Infrastructure not only took on its own company's business, but also began to take on external orders. It also achieved good results. It also participated in the construction of buildings with more than 30 floors several times, but the design may be a little behind. , Hutchison Whampoa also intends to set up a design company, but there are no top talents in this field in Hong Kong. In Hong Kong at present, ordinary buildings are directly imitated by other buildings, and designs of super skyscrapers are still hired from overseas companies.
Li Haonan, who was on the side, followed Chen Zhiwen and said: "Sheng Chen, I have roughly checked Hisense's account situation. The run during this period has cost at least a billion Hong Kong dollars. If you build a building, you will probably need support from the head office." one time."
"That's okay." Chen Zhiwen said casually. For a bank that was run on, the internal losses must be huge and the accounts were in a mess, otherwise it wouldn't have been acquired by him at almost a cabbage price.
Several people came to an office on the 12th floor.
"Sheng Chen, this is the office of the chairman of Hisense Bank." Li Haonan introduced.
"Well, it's not bad." Chen Zhiwen said. Although the outside of the building is a bit poor, the inside is still very luxurious.
"Last year, when Zhang Mingtian was still alive, he renovated it. Unfortunately, he passed away before he could enjoy it much." Li Haonan said.
"Zhang Mingtian is indeed a powerful figure. He developed Hisense Bank to its current scale in less than 30 years. If he were still alive, the handling of the 60 million US dollars might be different." Chen Zhiwen sighed.
Hong Kong, a small city with millions of people, has given birth to a large number of business wizards, especially in the 1940s and 1950s. Li Jiacheng and others are actually considered the second generation, and the earliest generation is almost the same age. , passed away one after another, even Dong Chuanwang passed away last month.
Several people chose to sit down on several sofas in the reception area. Li Haonan continued: "Sheng Chen, although we have acquired Hisense Bank, some problems still need to be solved. The loss of 60 million US dollars, this The account can only be in the red, and we need to make up for it. What’s even more troublesome is the large number of people who have withdrawn their deposits. Although they have lost interest, this has caused our reserve funds to be basically depleted. According to the Hong Kong Government’s Banking Law, According to regulations, we need to replenish this amount of funds within 2 months, otherwise, the license will be restricted, and you will be in trouble unless you talk to the Hong Kong Governor."
"Don't think about it. The favors from the Hong Kong Governor will not be used here. How much funds are still missing?" Chen Zhiwen asked. If a problem can be solved with money, don't use favors arbitrarily. This is a unified concept among the super rich everywhere in the world. If you feel that favors of a big shot are not as good as money, then there is a high probability that you will not develop to this level.
"Almost 2 billion Hong Kong dollars have to be replenished. The 500 million we loaned before can be returned, but there is still a shortfall of 1.5 billion." Li Haonan said.
"Money is not a problem, but there is no need to put our funds here. The money here should be the user's deposits." Chen Zhiwen thought for a while and said, "Let's come up with a rebate policy to allow people to withdraw money before If those who make money and then deposit it back, for example, if the amount is small, as little as 10,000 Hong Kong dollars, we can refund 50% of the interest they lost before. If the amount is less than 100,000 Hong Kong dollars, we can refund 30%, no matter how much it is, Just a little less, and as long as half of these people save their money, Hisense Bank’s basic operations shouldn’t be a problem, right?”
"Chen Sheng, this is indeed a good method, but isn't the cost a bit high? The bank is run, and the only profit is the interest deducted from the user's time deposit." Zhou Jiayang asked.
"It doesn't matter. The total amount of this money may be less than 100 million. If these people don't come back, we will need to put in the money ourselves or reduce our loan limit. In the long run, this will not be a loss. Moreover, this run will not be a loss for us." It’s a loss for many ordinary people, and we don’t need to make such a small amount of money,” said Chen Zhiwen.
The interest on the deposits of Shengdou people is actually not much, and he doesn't care about this benefit very much, but for these Shengdou people, it may be a few months' net income, which is quite a lot. And those who save more will return less. Small capitalists or the middle class have stronger risk resistance.
“That’s good. First, we don’t need to spend a lot of money to fix the loopholes of Hisense Bank. Second, it can also establish a new phenomenon for our Hisense Bank in Hong Kong, and perhaps attract more people to deposit money. "Li Haonan nodded and said.
"Yes, attracting more people to deposit with me is my most important purpose, and it will also be the main business of Hisense Bank in the future." Chen Zhiwen nodded, looked at a young man next to him who was similar to himself and said, "Build Ning, this will be your first mission."
"Understood, Chen Sheng." Huo Jianning replied quickly.
Zhou Jiayang and Li Haonan both glanced at Huo Jianning and couldn't help but sigh that this person was so lucky. As soon as he joined the company, he was appointed by Chen Zhiwen to be one of his assistants, responsible for handling some of the business in the United States. Because of his excellent performance , Chen Zhiwen was also sent to the United States to study at JP Morgan Chase Bank for half a year. After returning, he became one of the persons in charge of Galaxy Trading in the mainland. Now, the boss acquired Hisense Bank and actually appointed him as the general manager of Hisense Bank to take charge of this The third largest bank in Hong Kong.
This speed of career advancement is simply outrageous, and more importantly, this person is less than 30 years old.
"In the past month, I have also asked you to check many laws and business models of Hong Kong banks. What do you think of the current Hisense Bank?" Chen Zhiwen asked again.
Chen Zhiwen naturally attached great importance to talents. Huo Jianning was a well-known working emperor in later generations, so he naturally paid great attention to it. Therefore, after Huo Jianning returned to Hong Kong from the United States in 1979, he was admitted by Chen Zhiwen, and then focused on training.
As far as he knew, in the original history, Huo Jianning entered Cheung Kong Holdings in 1979, and then became a director of Hutchison Whampoa in 1984. This process could not have been done without Li Jiacheng's special care, and he could have climbed to such a high level in 5 years. Needless to say, his position and ability are strong.
In the past few years, Huo Jianning has not let him down. He has done well in every position that has trained him. Therefore, when preparing to acquire Hisense, he was prepared to let him serve as the general manager.
Although Huo Jianning never held a bank position in the original history, he always had a vision. Both companies and banks need vision. The difference is that companies need to do it themselves, while banks lend to such companies.
"With the financial strength of our group and Chen Sheng's popularity in Hong Kong, bank deposits will definitely not be a problem in the future, but the problem is that the current Hong Kong economy and the real estate market have slumped. Our money is sucked in, but it may not be loaned out, or because Due to the competition between other banks, the interest rates on loans must be reduced a lot." Huo Jianning analyzed: "So I think we need to expand our overseas business, just like HSBC, by going global, otherwise the scale of our bank will never be the same. Limited by the Hong Kong market.”
"The overseas market is huge, what is your primary target?" Chen Zhiwen asked.
"Southeast Asia, where local banks are not yet fully developed, is also where foreign banks in Europe, America, and Japan expand. If we participate, we should be able to get a share of the pie," Huo Jianning said.
"Okay, you can try it slowly first, but this is also a matter for the future. I will give you two tasks." Chen Zhiwen paused and said: "First, absorb a large amount of Hong Kong savings deposits as soon as possible. If appropriate, you can increase it a little Interest, and then the money is slowly converted into US dollars. Secondly, as far as I know, Real Estate is currently short of cash. You can cooperate with them, but don’t be too proactive.”
(End of chapter)
