Reborn in Hong Kong: The Tycoon Grows Up

Unexpectedly, the first plan was proposed, and it was completely rejected. What surprised Shen Bi the most was that Shaqiantong was the first to stand up, while his old rival Bao Zixuan felt as if everything had nothing to do with him. Fok Yingdong and Zheng Yutong can almost represent the entire Chinese business group. Now it seems that they are going to fight with you to the end.

Bao Zixuan's attitude was ambiguous, but it was easy to understand. People have built such a large piece of land in Fucaira, and of course they will seriously manage it. This place in Xiangjiang, not to mention giving up, but at least the center of gravity will be tilted towards the Middle East.

In addition, the deposit interest rate of Heiyun Bank itself is not high, which is similar to that of HSBC. On this point, Black Cloud shares the same interests with HSBC. Both sides are big banks, and customers come to deposit deposits mostly because of their reputation and the convenience of doing business. The two banks have a lot of outlets, and they must be the first choice for people in Hong Kong to handle cross-regional business.

Since Bao Zixuan had no objection, Shen Bi had confidence in his heart. Several other banks seem to be not small in scale, but their strength and outlets are limited after all. If they are really suppressed and blocked, Heiyun is willing to cooperate and can do it.

Shen Bi gave him a look, and Bauhaus-Sanderson immediately understood what it was for him to speak.

Before the two came over, they had already reached an offensive and defensive alliance. The other banks are all Chinese capital. If the two of them do not join forces, they will inevitably end in failure. Although there is a competitive relationship between the two, it does not prevent cooperation in this matter.

Bauhaus-Sanderson sorted out his thoughts and said: "Shen Bi Taipan's suggestion is still very good. After all, the increase in deposit interest will indeed reduce the bank's profits. As the deposit interest increases, the loan interest will naturally increase accordingly. Then we will What's the difference between a bank and a loan shark?"

"The high loan interest rate is not conducive to the development of small and medium-sized enterprises. After all, the cost of money increases, and they want to ensure sufficient profits, so they can only use shoddy. You are all well-known tycoons in Hong Kong and are very rich. How does the business owner feel?

"Many developing companies have declined because of high financing costs. If Xiangjiang wants to have a good business environment, it must turn its capital. If the loan interest is too high, companies and individuals dare not use it; then The end result is predictable.”

"We are not thinking about the gains and losses of a bank and making money, but for the economic development of Hong Kong and future planning."

It can be said that this kid just said in Youde's heart, what the future of Xiangjiang will be, but it is related to Youde's arrangement for returning to London. If it is true as Bauhaus-Sanderson said, then bank deposit interest really needs to be controlled.

Although he is the Governor of Hong Kong, he is not good at expressing too many opinions on business operations. It is really impossible to make a move, after all, the game between the two sides is very fierce at the moment. It is not good to offend either party, and it is easy to be criticized.

If they are facing British companies, then Chinese businessmen will definitely feel uncomfortable. Although the return is inevitable, the British still want to brush a wave of presence; at least the world can't say that they came here to plunder. A lot of things can be done, but absolutely no one can single out anything wrong.

If it is partial to Chinese businessmen, then Shen Bi will definitely go to London to complain. This old boy can definitely do it, and he is used to taking advantage of it. After so many years, he is not a master who is willing to suffer. In other words, if Bao Zixuan can suppress him, he is the governor; in front of him, there is no obvious advantage.

The status of HSBC in the UK, and the huge chain of interests involved behind it; Youde is quite clear. If the HSBC board puts pressure on Downing Street, it is estimated that the position of the Governor of Hong Kong will definitely be unstable.

Now both sides can't offend, they can only watch them pinch each other. Before I came here, I wanted to help Shen Bi on the platform; now it seems that I can't force myself to come forward, that is to make trouble for myself.

Hearing what Bauhaus-Sanderson said, Bao's richest man wanted to laugh. This kid came to Xiangjiang, definitely not for the economic development of Xiangjiang. Now it is so righteous and awe-inspiring; if people who are not familiar with it, will really be fooled by the other party.

However, this also reflects from the side that the British are really anxious. Before, they had an absolute advantage in the financial field. That is because the Chinese tycoons have not entered the banking-related fields, and some small and medium-sized families are fighting against them.

Now their competitors are directly upgraded to the top tycoons in Hong Kong. It can be said that some of the richest people in Xiangjiang are all super families. And it is very influential in Hong Kong, and the public will never doubt the financial resources of these people. Then the previous brand advantage disappeared instantly.

At the same time, the main competitors do not have a listed bank, which makes HSBC and Standard Chartered more passive. After all, as listed companies, the operating costs of the two of them are not low. If the same interest, other banks can make money; but for both of them, it will become no profit or even loss.

Fortunately, the radiation coverage is relatively wide, and there have been a lot of immigrants in Xiangjiang in the past two years; HSBC and Standard Chartered are not so embarrassed.

But now that the immigration wave has passed, no one needs to send money abroad. Then the bank's profit depends on the loan interest to obtain. Competitors are raising interest rates on deposits at the same time as they are lowering interest rates on loans. This is done to attract customers, plus they are private banks, and they don't have to report to anyone.

But if HSBC and Standard Chartered do this, the board will certainly not agree. It is better not to do business, but definitely not to lose money. This is a matter of principle, they are businessmen, not saviors.

What both sides are saying now makes sense, but everyone knows that HSBC wants to reduce the deposit interest in order to bring customers back. In other words, HSBC still has a great advantage in the Hong Kong financial sector.

Of course, compared with Heiyun Bank, it is worse. However, most of Heiyun's customers are still internal employees. There are not many foreign businessmen, at least foreign companies will not regard Heiyun Bank as the main settlement bank. In other words, HSBC and Standard Chartered still have room for survival.

The foreign merchants in Xiangjiang are still mainly British. In recent years, they have evacuated one after another. The two banks are very passive, and they have no plans to leave.

In business, customers are the key. If a business loses customers, it will eventually go out of business. At present, HSBC and Standard Chartered are facing this situation.

If you want to keep the existing customer base of Xiangjiang, but do not want to pay, you can only force small and medium-sized banks. Let them lower the interest on their deposits, because only then can they win a silver lining.

But now the Chinese businessmen do not agree, so they must come up with a plan they dare not refuse.

In fact, the shark gall is also suffering and can't tell, the Zheng family's recent period of time has definitely been an eventful time. Lost tens of billions of Hong Kong dollars, coupled with the slump in the real estate market. It makes the capital chain very tight; if there is no capital injection, then some core assets must be abandoned in the end. Surviving by docking the tail, abandoning the car to protect the coach; may be the only option.

But if he really did that, the Zheng family would definitely be excluded from the top family. The Five Tigers of Real Estate, the name of the super tycoon, has been called for so many years. If these are all deprived, it may be more uncomfortable for Shaqiantong than to kill him.

Once you can't enter the top rich circle, the information will become blocked. There is no good project, and the Zheng family will not be the first thought. It is almost impossible to turn over, but it will definitely be very difficult.

There are only so many resources in Xiangjiang, and many people hope to see the Zheng family fall. That way they can take advantage of the opportunity to take advantage of it and embezzle more profits.

It is not Zheng Yutong's style of doing things and business methods to sit still, so he thought about raising the deposit interest rate and getting more customers to come to Zheng's Bank to deposit. As long as they have the funds, I believe that the Zheng family can definitely survive this difficulty.

Once the real estate market picks up, the Zheng family's funding gap will not be a big problem. Therefore, betting with sharks, although the risk is very high, it is not without the possibility of success. And he himself is very courageous, otherwise he would not be called shark courage.

Fighting against HSBC will not have any good results, but there is no other way at present. We can only take one step at a time. After all, no one wants to see the Nuo Family's business being divided up by others.

Fortunately, the Chinese businessmen have unified their opinions this time, and they will never back down. They must be tough with HSBC and Standard Chartered to the end. If he backs down this time, Shen Bi might have something wrong next time.

Although it will not squeeze out HSBC and Standard Chartered, after all, the British side will not agree. However, the business scale of foreign banks can be continuously reduced, as long as they can do this; not to mention less profit, even if they lose a little, they can accept it.