Legend of Xiangjiang Tycoon

　　 On the fifth day after the opening ceremony of Yulong Bank, Li Zhiwen once again came to the Central Headquarters of Yulong Bank.

　　 There are only a few scattered people in the lobby. It seems that the peak deposit period has passed. Li Zhiwen walks in the lobby of Yulong Bank, and the staff who communicate with him from time to time greet him.

　　 While the staff had already notified Zhao Hezhuo in the office, Zhao Hezhuo trot all the way to Li Zhiwen.

　　 "Boss, you are here!" Zhao Hezhuo said.

　　 "Well, just came here, how is the banking business these days?" Li Zhiwen asked.

　　As soon as he heard Li Zhiwen's question, the smile on Zhao Hezhuo's face couldn't be restrained. Obviously, he was very satisfied with the situation a few days before the opening.

　　 "Boss, throw away your funds, now our bank's total deposits have reached 430 million Hong Kong dollars, and current funds are more than 270 million Hong Kong dollars." Zhao Hezhuo said happily.

Li Zhiwen was a little surprised when he heard what Zhao Hezhuo said, and then smiled and said, "Azhuo, yes, I remember that the total deposit of Hengsheng Bank only exceeded 200 million Hong Kong dollars, but it increased by 230 million in just three days. Hong Kong dollars?"

Li Zhiwen explained: "Originally, Hengsheng Bank had a deposit of 211.3 million Hong Kong dollars, a loan of 180 million Hong Kong dollars, and a liquidity of about 20 million. However, after Hengsheng Bank was taken over by us, you let me Excluding the high-risk loans, I recovered about 40 million yuan, and I did not lend out, so before the opening, the bank had 50 million Hong Kong dollars in working capital."

　　 "This newly added 220 million Hong Kong dollars, partly from the opening ceremony of the guests, basically opened accounts, and took part of their company's flow from our Yulong Bank."

　　 "Some deposited hundreds of thousands, some deposited several million, and even Huo Zhengting and He Youguang each deposited 20 million Hong Kong dollars with the bank on the second day of opening."

　　 Hearing Zhao Hezhuo's previous description, Li Zhiwen was much more happy. Others were willing to deposit money in Yulong Bank, first for a good relationship, and secondly for the consideration of diversifying funds.

　　 But when he heard Zhao Hezhuo's description later, Li Zhiwen frowned and immediately stretched out again.

　　 Huo Zhengting's actions, Li Zhiwen understood that Li Zhiwen's answer on the day of the bank's opening made Huo Yingdong very satisfied, and he later sent Huo Zhengting to deal with it.

　　 As for He Youguang's actions, Li Zhiwen is completely blamed on He Chaoqiong.

　　 After thinking about it, Li Zhiwen then asked Zhao Hezhuo: "That's pretty good, except for these big outdoors, what's the situation of ordinary customers?"

Compared with these big bosses, Li Zhiwen pays more attention to ordinary users. After all, Yulong Bank is positioned as the general public and the working class. The general public is the foundation of a commercial bank. If these big bosses exist, this would be a blow to Li Zhiwen. Face again.

Just listen to Zhao Hezhuo continuing to say: "In the past few days, our ordinary customers' deposits increased by 143 million Hong Kong dollars. They were all due to a higher deposit interest rate three days ago. There are few people today, but Our deposit interest rate is still attractive to ordinary customers, but many customers deposit fixed-term deposits in other banks. Compared with maturity, a large number of customers choose our Yulong Bank."

　　 "143 million? Yes, A Zhuo, you did a good job!" Hearing this number, Li Zhiwen smiled with satisfaction.

　　 "It's all the boss's credit, I'm just slaying hands." Zhao Hezhuo said modestly.

　　 "No, no, it's still your outstanding ability. I am only responsible for the general control. You are still doing the specific things. Don't obliterate your own role." Li Zhiwen said.

　　 "I understand, boss, there is one more thing I want to tell you, let's go to the office and talk about it." Zhao Hezhuo said.

　　 "That's OK, then let's walk." After Li Zhiwen finished speaking, he raised his leg and walked upstairs.

　　 When he arrived at the office, Li Zhiwen poured a cup of tea for himself and Zhao Hezhuo and said, "A Zhuo, what are you talking about?"

　　 "Boss, on the day of the opening, Mr. Chen Songqing from the Carrian Group asked for a loan of 50 million Hong Kong dollars from the bank. He said that you agreed. I will check with you." Zhao Hezhuo said.

　　 Zhao Hezhuo's words made Li Zhiwen frown and asked: "What did Chen Songqing say?"

　　 "I didn't say anything, I just said that you agreed to use the funds to make an investment." Zhao Hezhuo said.

　　 Li Zhiwen thought, Chen Songqing seems to be testing himself first to see how much he knows about Chen Songqing?

　　 After thinking about it, Li Zhiwen said, "Lend this money to him. You have to keep an eye on the money. The time is right and you can recover it from the beginning. Remember, the time cannot exceed two years."

　　 "In addition, Chen Songqing's loan must be approved by me in the future, even if it is a small loan of tens of millions of Hong Kong dollars."

　　 Li Zhiwen's words made Zhao Hezhuo startled in a cold sweat. Fortunately, he asked Li Zhiwen himself, otherwise he would have done something wrong.

However, Zhao Hezhuo still does not understand Li Zhiwen’s ideas. In Zhao Hezhuo’s view, Chen Songqing’s Caring Group is a good quality customer. UU Reading www.uukanshu.com holds this quality customer in the hands of Yulong Bank’s most important thing. How can the boss push it outside?

So he asked: "Boss, logically speaking, Chen Songqing's Carrian Group is a high-quality customer, why should we push it outside at Yulong Bank? Not long ago, HSBC Bank just loaned Carrian Group a sum of money. "

　　 There is an old saying in the banking industry in Hong Kong: As long as HSBC dared to lend, there is no problem.

　　 From here, we can see the status of HSBC in Hong Kong.

　　 Li Zhiwen thought for a while and said: "A Zhuo, it's not what HSBC can do. We can do it. HSBC is huge and can support dozens of failures. Many small banks went bankrupt once they failed to lend."

　　 "We, Yulong Bank, have to improve our loan credit evaluation, rather than directly using HSBC."

"Also I am not optimistic about Carrian Group, not only because of Chen Songqing, but more broadly speaking, I am not optimistic about the Hong Kong stock market and the land market in the next few years. Now the Hong Kong stock market and land market prices are too high, of course it is still There is room for continued growth, but only one emergency is needed, and Hong Kong's stock market is in danger of collapse."

　　 “So Yulong Bank must not only improve the credit evaluation of Carrian Group, but also improve the credit evaluation of other real estate companies and real estate industry chain companies.”

　　 "The bank has funds and gives priority to lending to brother units. I will control the direction and there is no problem." Li Zhiwen said.

Zhao Hezhuo wanted to say something more. He immediately thought about Li Zhiwen’s record and instantly closed his mouth. This is a player who dared to make money in the London gold futures market and tore off a piece of meat. If this news is released, Investors all over Hong Kong will be frightened, and then wave Hong Kong dollars to come to Li Zhiwen.