Age of Dreams

TaT is a coffee shop located in Central, Hong Kong. It is famous for serving the most famous coffee in Hong Kong.

Xiao Qi actually doesn't like coffee, but he likes nǎi tea, so he ordered a cup of ordinary nǎi tea.

Well, the consumption of 299 yuan is indeed a high price in Hong Kong.

Looking at the price list written here, the four bodyguards who followed him in shouted for the cheapest drink. They all felt a bit painful. They wanted Xiao Qi to discount the money directly, and then they waited at the door.

It's a pity that at the very least, protecting the boss has to be done every step of the way. This money can only be wasted if it is wasted.

At this time, there were not many people in the cafe. The staff looked at Xiao Qi, and then at the sturdy bodyguards sitting around him. They thought they should be a little guarded secretly. If there is something wrong, immediately Just report jǐng.

That is to say, Xiao Qi is too handsome and handsome, and too young, so a few Hong Kong waiters murmured for a long time, thinking that most of them were wealthy inland princes and bodyguards, so they let go of a little bit of worry.

In a short while, a tall middle-aged man with a slight bald head hurriedly walked into the coffee shop. After seeing Xiao Qi, his face showed a bright smile.

When the middle-aged man ordered a cup of coffee, the waiter breathed a sigh of relief. If another person with a bodyguard comes over, I am afraid there will be a real fight today.

"Little Qi! I'm so sorry! I had a meeting upstairs just now. There was a delay. You have been waiting for a long time!" The middle-aged man said with a grin.

Although he is a big banker in charge of hundreds of billions of funds, he is in charge of the destiny of thousands of people. But in front of Xiao Qi, there was no air at all.

He didn't dare to stand up.

Xiao Qi smiled slightly. "President Yu, I haven't seen you for a few months, but you are getting more and more energetic!"

The middle-aged man also responded with a smile: "Isn't it too little of your care? Our business in China Merchants Bank has made great progress in the past few months! Even foreign super banks know that it is our China Merchants Bank that has undertaken the fairy company. The exchange business!"

The middle-aged man was Yu Minwei, the vice president of China Merchants Bank. In April, he flew directly to Rongcheng and he just took the hands of the four major banks of China, Agriculture, Industry and Construction. The robbing of Xiao Qi's 40 billion U.S. dollar exchange business surprised the entire Hua Guo Banking community. It is known as "grabbing food from a tiger's mouth", which has also made a reputation at home and abroad.

As a result, Yu Minwei became the hottest person in China Merchants Bank. It is said that when the old bank president was about to retire in two years, he directly gave him the position.

Although China Merchants Bank is subordinate to China Merchants Bureau, it needs to be reviewed and approved by superiors. But don’t forget that China Merchants is also a state-owned enterprise under the State-owned Assets Supervision and Administration Commission, and the relationship between the director of the State-owned Assets Supervision and Administration Commission and Xiao Qi needless to say. At that time, anyone dared to block Yu Minwei, who had a good relationship with Xiao Qi. ?

Yu Minwei is a very ambitious person. He is eager to make more achievements than the old bank leader, so he is very adventurous.

The traditional sphere of influence of China Merchants Bank is in eastern Guangdong and Hong Kong, during the great part of the time. Still shuttle between these two places.

Xiao Qi knew of an event that in May next year, China Merchants Bank will sign an agreement with Wing Lung Bank, one of the top ten local banks in Hong Kong, to purchase 53.1% of its shares at an unprecedented high of 19.3 billion Hong Kong dollars. And in the next six months, it began to force the acquisition of xìng, and delisted in January 2009. Became a wholly-owned subsidiary of China Merchants Bank.

Calculated according to time, the two banks will now start negotiations.

In the Hong Kong banking community, China Merchants Bank was actually taken a lot of money by its own acquisition, because their bid was 2.9 times the book value of Wing Lung Bank at the end of 2007. The Wu family, which owns 53.1% of the shares, is simply making a profit. Up.

Afterwards, there were also many family banks who wanted to sell their shares to mainland banks, but the world financial crisis followed, and the expansion of mainland banks came to a halt, so the big guys did not sell it, just cheaper. The Wu family is just one family.

Xiao Qi actually has no interest in the banking industry.

The Fairy Company has a strong cash flow in itself, which is equivalent to a bank and does not need any financing or loans.

However, recently Xiao Qi began to prepare for the logistics industry, as Xiaoyao Mall, so it is inevitable to be a third-party payment platform.

The third-party payment platform, expressed in the most popular language, is the fund custody account.

Usually in online shopping, because the credit between the buyer and the seller is difficult to guarantee, the website hosting the transaction stipulates that the funds paid by the buyer shall be temporarily escrowed by a third-party account with public credit. Will be transferred from the third-party account to the seller.

Normally, this third-party payment platform with public credit is not a private account, but a company account because it is a form of credit guarantee.

The third-party payment platform first appeared in the United States, called PayPal, and it appeared in China as Zifubao. Later, Tenpay and Lakala appeared, but the meaning was the same.

However, in China, after more and more online shopping, Zifubao’s daily deposit of goods has reached hundreds of billions of dollars, and many small third-party payment platforms have also appeared, attracting a large amount of money. Cash is easy to cause capital risks, which has attracted the attention of China's banking regulatory agencies.

In order to regulate this third-party payment platform, the People's Bank of China stipulates that third-party payment licenses must be issued. Only companies and institutions with this license can escrow cash payments, otherwise it is illegal to absorb.

Later, Zifubao's payment for goods reached hundreds of billions or even trillions, which caused Ma Yundu to be frightened and felt that it was too wasteful to put so much money in the bank's fund account. Learned PayPal's fund model and made a Yu Wobao.

Ma Yun made a fund with the funds that users voluntarily deposited into Yu Wobao, using this fund to make various investments, and paying Yu Wobao customers more than ten times or even dozens of times the interest of their bank demand deposits, thereby absorbing A large amount of capital investment has caused a lot of controversy while drawing idle funds from banks.

The trillion-dollar scale of Zifubao is nothing to be rare.

But more importantly, after Zifubao binds many people's payment bank accounts, it has become a new type of payment method with huge market potential.

Simply put, if you can’t understand the payment form of Zifubao, you can think of Zifubao as a credit card such as B, sa, etc. It is actually a new type of credit card ~www.readwn.com~ and it is compliant. The era of credit cards in the Internet era.

Needless to say how much money B and sa make?

In the future, it will develop according to the form of Zifubao, and the prospect of making money is at least ten times that of them!

From this you can know how big its cake is!

Since he is engaged in online business, Xiao Qi will naturally not miss this big cake, and he now knows that Zifubao has a fatal weakness, that is, it does not have a banking institution that belongs to it, and can only rely on China Agricultural and Industrial Construction. Large commercial banks come to develop.

If you rely on a bank of your own to do the business of Zifubao, then there is no danger of being repeatedly supervised and restricted by the state, and there will be more guarantees that will not be severely constrained.

It was precisely because of so many benefits that Xiao Qi decided to acquire a bank of his own!

There are many banks in Huaguo. For example, small and medium-sized commercial banks in various cities, such as Metropolitan Bank, Oriental Bank, Chengdu Bank, etc., are all very good.

But the problem is that they are wholly domestically-owned banks, and it is absolutely impossible to allow private holdings or even wholly-owned banks.

Therefore, Xiao Qi chose to acquire a bank in Hong Kong.

Anyway, after 2008, Hong Kong-funded banks got the approval of the above and began to develop in the Mainland.

Hong Kong-funded banks do not have as many restrictions as foreign banks, and they can still enjoy the treatment of many foreign banks. It is really the best choice!

(To be continued...)