The Industrial Giant Reborn.

Chapter 372 Future Planning and Layout of the Financial Market
"Brother, Chen Zhiwen bought Hisense Bank, so do we still want to withdraw the money? It's coming to us soon?" A man in his early 20s among countless people queuing at a branch of Hisense Bank in Tsim Sha Tsui, asked the people around him.

The man called Big Brother thought for a while and said: "Chen Zhiwen's worth far exceeds Hisense Bank. If he buys Hisense Bank, then 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 other people react." The eldest brother originally thought that there should be no problem, but he still felt that he should see what other people would do.

"Okay." The younger brother nodded.

As the big brother expected, everyone in the whole branch soon knew about it, because the account manager of the bank had already shouted everywhere with a loudspeaker. He gave his phone number to the depositors at the scene, and several depositors immediately called their friends to confirm the matter.

Immediately, everyone stopped being crowded. 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 As if discouraged, he became idle.

Suddenly, a person suddenly yelled, ran to the counter, and said, "Miss, can you deposit my money again and treat it as if I didn't withdraw it, okay?"

"I'm afraid this is 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completed, of course it is possible to deposit money again, but it is not possible to treat it as if it has not been withdrawn. The interest was lost and now regret it.

"It's okay, it's okay, it's been a long time in line, otherwise mine would have been taken out too." The person who was observing the matter behind him also understood what the reason was, and suddenly he breathed a sigh of relief, it's okay, otherwise, the interest It's all lost.

"Sir, the withdrawal procedures have been completed. It was your wish before, and you took it voluntarily. The signature is still there. If you still want to continue to store in our bank, I can give you the money within the scope of my authority." The highest discount." The bank lobby manager who was still urging people not to withdraw money just now is doing the opposite, the world is so magical.

"I just withdrew 30 yuan, and I lost 3 yuan just because of the interest. 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 is impossible for you to withdraw the money in breach of contract, and we will still pay the interest." The manager in the lobby said in embarrassment.This kind of thing is absolutely impossible unless the top leaders agree.

Seems to have regained their sanity, the visitor also stood up, and then walked out, how excited he was when he just took it out, how disappointed he was now, at this moment, the people outside the bank dispersed, and the people in the hall were not so much crowded.

"I lost 20 yuan all at once, so pitiful." A young bank clerk who seemed to be in her early [-]s said in a low voice.

"I'm sorry for your size. She has 30 cash deposits, and it's just in our bank. How can you be pitiful?" The lobby manager was so angry that he was almost killed by these people just now. Pity these people, and, you poor ghost still pity the rich people?

"Oh." The little girl was taken aback by the leader, and quickly hid.

The same thing happened to all Hisense Bank branches in Hong Kong and even Macau. Some people cried with joy, their deposits are safe, and they don’t need to worry about their life’s deposits suddenly disappearing. Big interest.

Hong Kong, Hisense Bank Building Headquarters.

This building, located in Wanchai District, was built in the 60s and has only 12 floors. Although the buildings nearby are not very tall, most of them have more than 20 floors. The Hisense Bank Building seems very short.

But this is also normal, the younger the old building, the lower the natural floor, even HSBC Bank, the current HSBC Bank, its new headquarters building has not yet been completed, and it is still in the headquarters that is only 7 floors high, but The difference is that the headquarters building of HSBC Bank has a large landing area.

"This building is a little too old and too short. Let's find some architects, first design some sketches, and then tear it down and build a new one after a while." Chen Zhiwen just came to the downstairs of the building, took a look around and said to him Looking at Li Haonan and Zhou Jiayang beside him, he said.

He naturally despises buildings that are too old and too small. It is estimated that Hisense Bank itself has been defrauded of 6600 million US dollars. If it develops normally, it is estimated that the headquarters building will be replaced in a few years.

And now that he has acquired Hisense Bank, he will definitely invest resources into it in the future to make its scale develop faster. In this way, the area of ​​this old headquarters building is definitely not enough, and it does not meet the brand name of a big bank.

"Leave this matter to me. Hutchison's current construction team has already undertaken several buildings and gained a lot of experience, but the design may still require a professional company." Zhou Jiayang said with a smile.

"Okay, then I'll leave it to you." Chen Zhiwen nodded and said.

Hutchison’s Hutchison Infrastructure, 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 construction and infrastructure. Over the years, Hutchison, Hutchison, Wharf has also developed countless properties. At the beginning, it was outsourced naturally, but Hutchison Infrastructure also participated in it, learning quickly and growing on its own. The benefits for employees are also top in Hong Kong, second only to profiteering companies such as Midea and Red Bull.

Later, Hutchison Infrastructure not only took on the business of its own company, but also began to accept external orders, and all of them achieved good results. Buildings with more than 30 floors have also participated in the construction several times, but the design may be a bit poor. , He Huang also intends to set up a design company, but there are no top talents in this area in Hong Kong.In Hong Kong at present, ordinary buildings directly imitate other buildings, and the design of super skyscrapers is still hired by overseas companies.

Li Haonan, who was on the side, followed behind Chen Zhiwen, and said: "Sheng Chen, I have roughly checked Hisense's account status. During this period of time, at least a billion Hong Kong dollars have been lost in the run. one time."

"That's fine." Chen Zhiwen said casually. A run-on bank must have had a lot of internal losses and messy accounts, otherwise he wouldn't have bought it at almost the price of cabbage.

Several people came to an office on the 12th floor.

"Chen Sheng, 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 had renovated it, but unfortunately he passed away before enjoying it much." Li Haonan said.

"Zhang Mingtian is indeed a powerful person. He developed Hisense Bank to its current scale in less than 30 years. If he is still alive, the way of handling the 6000 million US dollars may be different." Chen Zhiwen said with a sigh.

Hong Kong, a small city with millions of people, gave birth to a large number of business geniuses, especially in the 50s and [-]s. Li Jiacheng and the like are actually the second generation, and the earliest generation is about 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, and Li Haonan went on to say: "Chen Sheng, although we have acquired the current Hisense Bank, some problems still need to be resolved. The loss of 6000 million US dollars, this The account can only be in shortfall, and we need to make up for it. What is more troublesome is the people who withdraw a large number of deposits. Although they have lost interest, this has caused our reserve funds to be basically exhausted. According to the Hong Kong Government Banking Law According to the regulations, we need to fill in this amount of funds within 2 months, otherwise, the license will be restricted, and it will be troublesome at that time, unless you talk to the Governor of Hong Kong."

"Don't think about it. The favor from the governor of Hong Kong will not be used here. How much money is there?" Chen Zhiwen asked.Don’t use favors for problems that can be solved with money. This is the unified concept of the super rich anywhere in the world. If you feel that the favors of big people are not as good as money, then there is a high probability that you will not be able to develop to this level.

"Almost 20 billion Hong Kong dollars are needed to make up. The 5 million we loaned out before can be returned, but there is still a shortfall of 15 billion." Li Haonan said.

"Money is not a problem, but there is no need to put our funds here. The money here should have been the user's deposit." Chen Zhiwen thought for a while and said: "Let's do this, come up with a rebate policy, let the previous withdrawal People who leave money should deposit it back. For example, if the amount is small, less than 50 Hong Kong dollars, as long as they are deposited again, we can return 30% of the interest they lost before, and [-]% for those who have less than [-] Hong Kong dollars. Just a little less, as long as half of these people deposit their money back, the basic operation of Hisense Bank should not be a problem, right?"

"Chen Sheng, this is indeed a good method, but is the price a bit high? The bank is run on, and the only benefit is the interest deducted from the user's time deposit." Zhou Jiayang asked.

"It doesn't matter, the sum of this amount of money may be less than [-] million. If these people don't come back, we need to pay for it ourselves, or reduce our loan amount. In the long run, this will not be a loss. Moreover, this run, yes. It is also a loss for many ordinary people, and we don't need to make such a small amount of money." Chen Zhiwen said.

Shengdou Xiaomin's deposit interest is actually not much, and he doesn't care about this interest very much, but for these Shengdou Xiaomin, it may be a few months' net income, which is quite a lot.And those who save more, return less, small capitalists or middle class, have a stronger ability to resist risks.

"That's good, one is that we don't need to spend a large sum of money to fill the loopholes of Hisense Bank, and the second is that we can establish a new phenomenon of our Hisense Bank in Hong Kong, and maybe attract more people to deposit. " 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 who was similar to himself and said, "Build Ning, this will be your first mission."

"Understood, Chen Sheng." Huo Jianning replied quickly.

Both Zhou Jiayang and Li Haonan took a look at Huo Jianning, and couldn't help but sigh in their hearts how lucky this person is. He was appointed by Chen Zhiwen to be one of his assistants when he first joined the company, responsible for handling part of the business in the United States. , was also sent by Chen Zhiwen to JPMorgan Chase Bank in the United States to study for half a year. After returning, he became one of the directors of Galaxy Trading in the Mainland. Now, the boss bought Hisense Bank and appointed him as the general manager of Hisense Bank. The third largest bank in Hong Kong.

This kind of career upgrading speed is simply outrageous, and more importantly, this person is not yet 30 years old.

"In the past month, I also asked you to investigate 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 paid attention to talents. Huo Jianning was such a famous working emperor in later generations, so he naturally paid close attention to it. Therefore, in 79, after Huo Jianning graduated from the United States and returned to Hong Kong, he was admitted by Chen Zhiwen, and then he focused on training.

As far as he knows, in the original history, Huo Jianning joined Cheung Kong in 79, and then became a director of Hutchison Whampoa in 84. This process was not specially taken care of by Li Jiacheng, and he was able to climb to such a high level in 5 years. Needless to say, the position and ability are strong.

In the past few years, Huo Jianning has not let him down, and he has done well in every position that has exercised him. Therefore, when preparing to acquire Hisense, he was prepared to be the general manager.

Although Huo Jianning had never held a bank position in the original history, he always had vision. Whether it is a company or a bank, both need vision. The difference is that the company needs to do it by itself, while the bank lends 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 been sluggish. Our money has been sucked in, but it may not be able to be loaned out, or because In the competitive relationship with other banks, the interest on loans must be reduced a lot." Huo Jianning analyzed: "So I think we need to expand overseas business, just like HSBC, we have to go out, otherwise the scale of our bank will never Limited to the Hong Kong market."

"The overseas market is huge, what is your primary goal?" Chen Zhiwen asked.

"In Southeast Asia, the development of local banks in these places is not perfect, and it is also the expansion scope of foreign banks such as Europe, America and Japan. If we participate, we should be able to get a share." Huo Jianning said.

"Okay, you can try it slowly first, but this is 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, and increase it if appropriate." Interest, and then the money is slowly converted into US dollars, second, as far as I know, Hongkong Land is currently relatively short of cash, you can cooperate with them, but don’t be too proactive.”

(End of this chapter)