Legend of Xiangjiang Tycoon

"Boss, I currently have two steps on my side. The first step is that we need to increase our efforts to open our own bank. The six branches in Hong Kong are not up to our plan at all. As I said just now, we squeeze into Hong Kong's medium-sized banks. This is true of the ranks of Hong Kong, but we are the smallest medium-sized bank in Hong Kong."

"In my opinion, we at Jade Dragon Bank must have at least 30 branches in Hong Kong before we can barely maintain our performance and cover the entire Hong Kong."

"So I plan to build five new branches next year. These branches are mainly located on Hong Kong Island and Kowloon. After all, the strength of our Jade Dragon Bank in the New Territories is not weak, and there is no need to locate them in the New Territories."

"The second step is to acquire a small bank. After all, acquisition is the fastest way to expand. If we, Yulong Bank, want to develop, we must adopt more acquisition methods."

"In my thinking, our Yulong Bank will become a bank with 30 branches within three years." Zhao Hezhuo said.

"A Zhuo, if you want to acquire, which bank is your target?" Li Zhiwen asked.

"Hengtong Bank, this bank is a small bank in Hong Kong. There are always four branches. The total bank deposits are estimated to be around 200 million Hong Kong dollars, but the total amount of loans is around 190 million, and the loan-to-deposit ratio is as high as 95%. As long as there is a little turbulence, one acquisition will be made." Zhao Hezhuo said.

"Azhuo, your situation is still small. Hengtong Bank is a good target. Finding a lot of such banks in Hong Kong will not help us to open up the reputation of Yulong Bank." Li Zhiwen said.

"The boss, who do you think we should choose for our goal?" Zhao Hezhuo said tremblingly.

Li Zhiwen smiled and said four words: "Hang Lung Bank!"

Zhao Hezhuo was taken aback, his mouth opened wide, and he could even put a whole egg into it.

Hang Lung Bank, although this bank is a medium-sized bank in Hong Kong like Yulong Bank, the status of the two is very different.

Hang Lung Bank has 18 local branches in Hong Kong, 5 branches in Macau, and 5 branches in Southeast Asia and other places, with a total of 28 branches. It is a large bank among the proper medium-sized banks.

Zhao Hezhuo thought for a while and said, "Boss, you haven't read the information about Hang Lung Bank before, let me introduce it to you."

"A Zhuo, please introduce me, it just so happens that I also understand." Li Zhiwen said.

"The Hang Lung Bank has 28 branches and 18 branches in Hong Kong. The total deposits are estimated to be around 3 billion Hong Kong dollars. If you want to acquire Hang Lung Bank, I am afraid that the funds will need at least 1 billion Hong Kong dollars." Zhao He Zhuo said.

Zhao Hezhuo couldn't understand why Li Zhiwen valued Hang Lung Bank, not to mention whether Hang Lung Bank would agree to sell. Zhao Hezhuo felt that it was not worth it at the price of one billion Hong Kong dollars.

The reason why Li Zhiwen favored Hang Lung Bank was that Li Zhiwen remembered it correctly. After the subsequent Sino-British negotiations broke down, Hang Lung Bank had unreasonable credit structure, bad debts, serious losses, lack of liquidity, and unable to repay debts. There was a bankruptcy crisis.

Fortunately, in the previous life, the Government of Hong Kong took over the Hang Lung Bank, which was unable to repay its debts, and injected 1.7 billion Hong Kong dollars from the Exchange Fund to rescue the Hang Lung Bank.

The reason why the Government House did so was mainly because there was a run frenzy in Hong Kong at that time. If Hang Lung Bank was allowed to go bankrupt, it would make depositors lose confidence and trigger a greater crisis in the banking sector.

And Li Zhiwen's acquisition of Hang Lung Bank does not need to be as troublesome as the Hong Kong Government’s investment of 1.7 billion Hong Kong dollars. As long as the debt company of Hang Lung Bank is bought, these debts will be transferred, and Hang Lung Bank will not have a run. .

There are only two things to figure out now. One thing is which of Hang Lung Bank’s lending companies and which of them are high-quality assets that Li Zhiwen can see, and they can be deployed in advance.

On the other hand, how to let Hang Lung Bank encounter the bankruptcy crisis as soon as possible, and then can benefit from it.

When Zhao Hezhuo saw Li Zhiwen no longer speaking, he thought that Li Zhiwen had listened to his advice and moved his goal away from Hang Lung Bank.

Who knows Li Zhiwen said: "A Zhuo, you send someone to investigate the loan-to-deposit ratio of Hang Lung Bank, what is the deposit-loan amount, and which companies did you lend to?"

Zhao Hezhuo was even more depressed when he heard Li Zhiwen's words. After he said so clearly, the boss still insists on going his own way. There is really no way, so he promised: "Okay, boss, I will go down and send someone to investigate."

Li Zhiwen saw Zhao Hezhuo's reluctant expression and knew what he meant, so he said, "A Zhuo, in your opinion, what is the development trend of Hong Kong's financial industry at this time."

Zhao Hezhuo thought for a while and said, "Although the financial industry is not doing well at this time, it is not as good as it was before mid-year, but it is still at a high level, so I am very optimistic."

"Bo Tao, what do you say?" Li Zhiwen called Liang Botao's name again, and then asked.

Liang Botao thought for a while, and then said: "From an economic point of view, Hong Kong's financial sector is prosperous, and it will even get better and better."

"But finance can't just look at economic factors. It also needs to consider the zz factor."

"The Sino-British negotiations will begin next year~www.readwn.com~ Good talks, there will be no major changes in Hong Kong’s economy, but as long as the negotiations do not go smoothly or even break down, then for the Hong Kong stock market, Definitely a devastating blow."

"So I also want to remind my boss that I hope that the boss will allow me to clear the stocks in my hands before negotiations, so as to avoid major disasters."

Li Zhiwen nodded in satisfaction. Liang Botao is worthy of being the father of red chips, and his analysis is very reasonable and level.

Li Zhiwen opened the mouth and said: "I observe the Hong Kong stock market and have the same idea, but I am sure that the Sino-British negotiations will never go so smoothly this time. Margaret's attitude is very tough. Besides, the British are lying in Hong Kong. People who have sucked blood for many years, how can they give up easily."

"And as far as I know, it is impossible for the north to give in."

"So how can the negotiation between the two strong men go smoothly, and when the negotiation is deadlocked and Hong Kong rumors are everywhere, the impact on Hong Kong's stock market and market cannot be explained in a single sentence. After all, 1997 The term “Daquan” has always been very marketable in Hong Kong."

"And once the Hong Kong stock market vents, we, who have a lot of liquidity in our hands, are not allowed to let us play." Li Zhiwen looked at me and said.