Age of Dreams

The Hong Kong Guoxin Bank, which Xiao Qi wants to acquire, has not had a very good life following the recent sharp drop in the Hong Kong stock index.

Hong Kong is the place to slap a lot. The international giants alone include Bank of China, HSBC, Standard Chartered, Citigroup, Morgan Stanley... etc. There are also some medium and large local banks, and China New Bank is ranked second. With ten or so people, the market share is nothing at all.

That is to say, they are old brands for decades, and they have made no mistakes on weekdays, so many old depositors still believe them. New young people are attracted by these big banks.

The most profitable business of mature banks is not the difference in interest rates between deposits and loans. Relying on this to make money as the largest source of income is basically banks that are not capable of making money at a higher level.

The first one is to underwrite various bonds, the second is to go public, and the third one is to sell financial derivatives.

In mature and developed countries, bonds are something that every local government and every company will consider issuing, but generally speaking, these bonds will not be issued directly by them, but bonds will be issued through banks.

Because in the minds of investors, how much these bonds are worth and what are the risks, they must not be heard from the originators of these bonds, because they must say that their own things are good. Even if Wang Po sells melons, he knows how to sell and boast. What's more, they want to get money in the hands of investors.

Therefore, the intermediate role of the bank is very large, and the issuance and guarantee must be done by the bank. In other words, the super powerful banks even have the right to determine the value of these bonds.

For example, the fundamentals of a company are not good, and the face value of the bonds they want to issue is 100. But the bank is only willing to issue the issue at a price of 60 yuan a piece, and the extra is that the bank eats it by itself, because the bank is also taking risks in this matter, and they feel that they should eat so much.

Isn’t that powerful enough?

If 100 million of bonds were issued, 40 million was directly eaten by the bank. Only 60 million is really in the hands of the company. Is this kind of business easy to make money?

As for the second listing, that is the bank's main profit point.

If a company wants to go public, it needs a bank with experience in market operations to handle all the procedures and procedures related to listing for them, so they basically don't need to involve themselves in unfamiliar aspects. Just wait for the company to get the money after it goes public.

But banks are not doing it in vain. The remuneration they charge is also very expensive. They usually buy 10% or 20% of the original shares at a price of 1 yuan. After the company goes public, the stock price rises sharply. Usually, when it changes hands, it is a profit of hundreds of millions or even billions-Bank of America made tens of billions of yuan as a construction bank! This is faster than grabbing!

The third financial derivative product is a thing that has emerged in recent decades, but it has developed very fast. If you do it well, you can make a lot of money, which is much more than the previous two weeks. .

However, the professional elites needed for such financial derivatives are not affordable by ordinary banks. There are only giants such as Goldman Sachs, Citi, Merrill Lynch and so on. Only by being able to support them, can they use their financial derivatives to cheat money everywhere in the world!

Unfortunately, these three good things are not in the turn of China New Bank. They have no strength or reputation at all, and others will never find them because of the above three things.

Their biggest source of profit so far is nothing more than interest rate borrowing among peers, and their annual profit is only a few hundred million.

In fact, a normal small bank has only so much profit. However, the return on capital of less than 5% makes the two major shareholders Lu Jia and Huang Jia very dissatisfied, especially now that the Internet technology is in such a raging fire, they all want to invest in new fields and make large sums of money. . It's better than having enough food every year but not being rich.

Their thoughts, with the continuous decline of Guoxin Bank's stock price, have reached their peak.

China Merchants Bank has been negotiating prices back and forth between Wing Lung Bank and China New Bank. Both banks know about it, and the banking industry in Hong Kong also knows about it.

Both banks are private family banks, but their status and grade are different, so naturally they are different.

Wing Lung Bank ranks among the top ten banks in Hong Kong. It is very large and naturally wants to sell it at a good price.

But Guoxin Bank is different. With its small scale, the major shareholders naturally hope that they can sell it at a suitable price.

But China Merchants Bank is not a fool. Seeing that with the subprime mortgage crisis, Hong Kong will be hit very hard. Of course, I am willing to wait until the price is lower.

As a result, the various contacts of China Merchants Bank during this period have stopped, and the two banks inevitably have some speculations in their hearts.

Yu Minwei called Xiao Qi to explain the reason, and Xiao Qi naturally agreed completely.

At present, the customers of Xiaoyao Mall are not used to the Xiaoyao Wallet and have not established enough credit; secondly, the Xiaoyao Building has not been built, and there is no way to carry out business after buying the bank, let alone entering the mainland provinces. The various approvals have been made.

It has been very smooth to get a series of things done for the bank in almost half a year.

Compared with the cautious acquisition of Guoxin Bank, the acquisition of Xie Ruilin Jewelry has already entered the role of Qiu Dan. In the process of privatization, he walked very steadily.

There is no other reason. Xie Ruilin has had too many scandals in the past two years. Not only has his reputation suffered, but his influence has also become weaker. The more realistic reason is that Xie Ruilin’s stock price was too low when the trading was suspended. Once Xie Ruilin and his son were sentenced Prison, I really don’t know how long and how long will it be able to resume listing again.

Now the purchase price of the "Zhizhi Fund" is very reasonable, and at the same time that the Hong Kong stock market continues to fluctuate and fall, everyone naturally chose to obey the opinions of the major shareholders and collect the money and leave.

However, a good stock market has a big feature, that is, it is very cumbersome, and various rules and regulations must be followed, so the speed is not much faster.

At the current rate, privatization can be completed before the Spring Festival this year, which is already a very good thing.

On the one hand, it is striving for an early privatization success, on the other hand, Qiu Dan has begun to rectify the entire Xie Ruilin jewelry.

The middle and high level of Xie Ruilin jewelry, as well as those skilled old craftsmen, were really taken away by Xie Ruilin.

But Xiao Qi's contacts are different. He directly borrowed many elite soldiers from Chow Tai Fook to help Qiu Dan stabilize the turbulent Xie Ruilin jewelry, and at the same time took over the Xie Ruilin jewelry processing center.

Of course, these people must always be paid back, especially the skilled old craftsmen, who cannot rely on outsiders.

Therefore, Qiu Dan went to Guangdong. With the cooperation of a headhunting company, he dug 33 old craftsmen from 6 jewelry companies in the mainland with the policy of high salaries and high benefits, and made the senior executives of those jewelry companies scold this woman. Too shameless!

However, it is clear that they are here to dig people, and they are compensated in accordance with the contract. In the legal sense, there is no place to be investigated at all, and they can only be used in vain.

On the other hand, Qiu Dan constantly dispatched staff to inspect the shop assistants in various branches, striving to select the new shop manager as soon as possible, and then prepare the shop for purchase, and repurchase the shop if it cannot be purchased.

Qiu Dan also made several trips to raw material suppliers in Europe, America and Asia, trying hard to convince them that Zhizhi Jewelry, which is about to be renamed, must be stronger than before, and he has finalized the purchase plan for next year in advance, with a large amount of advance payment. The payment was made, and the suppliers over there appreciated it very much.

Jewelers have always valued courage.

What Qiu Dan showed was precisely this kind of precise heroism.

She doesn’t care about the meager profits. Everything starts from the long-term, everything starts from the overall situation. She gives up what should be given, and does not give up half a step. This has made those giants in the industry who originally despised her, several times. After the negotiation, they all praised the woman who was born as a housewife.

Once Qiu Dan got serious, even her husband was surprised to do everything so well. He couldn't think that his wife, who had always been peaceful and weak, became so sharp after taking up the position of Zhizhi Jewelry.

Not only him, Xie Ruilin, who had been watching with cold eyes, was shocked at the various methods of his daughter-in-law.

Although in the eyes of industry veterans like Xie Ruilin, many of Qiu Dan’s methods now appear to be relatively immature, but if he develops like this, he will definitely become a good operator and run a large jewelry company. There is no problem at all. .

Oh my!

How did Xiao Qi see this?

Before that, Qiu Dan hadn't even attended a day's class! There is no opportunity for anyone to show their strength at all!

Is it really what he said ~www.readwn.com~ From Qiu Dan's appearance in magazines several times, with Qiu Dan's taste in fashion, you can know that she is a powerful woman?

That's nonsense!

Is Jiaxin's dress not pretty enough? Is Li Shaozhi's temperament not outstanding enough? Is Hong Gu's charm and dress not good enough?

But they are not the stuff of running a company, why can only their inexperienced daughter-in-law?

When Xie Ruilin couldn't figure it out, he admired Xiao Qi more and more in his heart. The name of this genius boy is really not random, it is definitely God's darling!

In the hearts of older generations like them, they believe in fate and Feng Shui. The place where Feng Shui is most prosperous in the world is Hong Kong, an international metropolis with a very good combination of Chinese and foreigners!

Therefore, Xie Ruilin gradually put out some cleverness in his heart, and began to urge his son and daughter-in-law to work hard to live up to Xiao Qi's trust in them! (To be continued. If you like this work, you are welcome to come to the starting point () to vote recommended votes, monthly tickets, your support is my biggest motivation. Mobile users please go to read.)