Age of Dreams

The strength of China Merchants Bank in the Pearl River Delta and Hong Kong and Macau is indeed deeply entrenched. "Top" "Dot" novel.w.om

The day after Yu Minwei returned, the Wu family, the largest shareholder of Wing Lung Bank, issued an announcement. They sold their 53.1% shares of Wing Lung Bank to China Merchants Bank at a premium of 18% at a price of 17.6 billion.

In addition, the shareholders of the two major Wing Lung Bank, yf securities and Zhao Foundation, also sold 12.1% and 7.6% of their shares to China Merchants Bank at a premium of 18%.

So far, China Merchants Bank has owned 72.8% of Wing Lung Bank's shares and has become the absolute controlling shareholder.

China Merchants Bank also announced at the same time that it will make a mandatory acquisition of the remaining shares of Wing Lung Bank to complete the process of complete privatization.

As the largest private bank in Hong Kong, Wing Lung Bank is also very influential no matter how frustrated it is.

Now that it was suddenly acquired by China Merchants Bank, those older Hong Kong people are all very moved.

But they didn't have time to sigh. In the afternoon, one of Hong Kong's private banks, Guoxin Bank, issued an announcement again.

The six largest private shareholders of China New Bank-Lu Family with 25% of the shares, Huang Family with% of the shares, Tamron Trading with 8% of the shares, and HSBC Asset Management Department with 6.8% of the shares , Hong Kong Kowloon Group, which holds 5.1% of the shares, and Yunfeng Fund, which holds 4% of the shares, transferred all the shares to a consortium led by China Merchants Bank, with an estimated value of 21.6 billion Hong Kong dollars.

According to the regulations of the Hong Kong Stock Exchange, listed shareholders who exceed 5% must press to release specific information.

Therefore, in less than an hour, this mysterious consortium that holds 71.9% of the shares of Guoxin Bank in Hong Kong emerged.

Fairy Company!

Hearing this name, Hong Kong's stock market and business community were in an uproar.

Good guys!

It was not enough for Xiao Qi to spend a lot of money in the United States some time ago, so he came to Hong Kong here. Started to toss the banking industry again!

But the sensation is a sensation, but everyone doesn't mean much excitement.

Everyone knows Xiao Qi’s character. He basically doesn’t like sharing wealth with others. Except for those super-large companies in the United States who can share wealth on Dreampad, no other company can enter the fairy group of companies. , Share wealth.

This time, banks are such an important industry. Of course, Xiao Qi is even more unlikely to share it with the small investors in Hong Kong.

Sure enough, before the Hong Kong Stock Exchange closed, the Fairy Company entrusted China Merchants Bank to apply for the privatization of Guoxin Bank.

Although China Merchants Bank and Fairy Company did not meet the 75% requirement for Wing Lung and Guoxin Banks, the remaining shares are basically in the stock market, which can be achieved with only one acquisition, so this number of shares can already be privatized. standard.

It is the shareholders of Guoxin Bank that have lost.

They felt that if they knew that Xiao Qi was going to buy it, the price would not be so cheap. It should be at least two more expensive.

However, the lawyer team and the contract department of China Merchants Bank have long been wary of this. The contract has clearly stated the "entrusted purchase", and the liquidated damages have also been set very high, so that they have no way to go back.

Hong Kong is different from the Mainland. If you regret after signing a contract, then you won't get support, so they can only "hold their breath" and leave with money.

Hong Kong stockholders are also lost.

They have not encountered a high-quality listed company listed in Hong Kong for many years. Suddenly, they heard that Xiao Qi was buying shares of Guoxin Bank. They originally wanted to buy shares of Guoxin Bank immediately to benefit. But in a blink of an eye, Xiao Qi announced the privatization of the State New Bank, and many people could not help but curse it.

The happy ones are the staff of Guoxin Bank.

For Guoxin Bank, which has 15 branches, it was originally one of the second-rate banks in Hong Kong. It only relies on old customers for food on weekdays, and deposits and loans are their most important sources.

But even with more loans and deposits, Guoxin Bank’s capital and reputation are too low. So basically they can't make much money, and a return rate of about 10% a year is already pretty good.

Now that Xiao Qi is the boss, no one believes that Xiao Qi is just buying a bank in Hong Kong.

In the future, Xiao Qi will definitely take Guoxin Bank to a higher level, and dare not say that it will fight HSBC, Hang Seng, Bank of China and so on in Hong Kong. But entering the mainland market is a certainty.

Once they enter the inland market, these old employees will naturally rise!

However, if they think they can dominate the entire Guoxin Bank, it is a joke.

Xiao Qi attached great importance to the fairy bank that was about to be renamed.

In the next year, many commercial banks and investment banks in Europe and the United States will go bankrupt or be merged. In this way, countless talents will lose their jobs. Xiao Qi commissioned several large headhunting companies to select some good conduct and work ability. Being strong is not difficult at all.

In addition to experienced bank and investment bank staff from abroad, Xiao Qi also needs some senior bankers who understand domestic policies.

Among them, Xiao Qi's main fancy is precisely the president of China Merchants Bank who is about to retire-MCA.

At the age of sixty years old, on Wall Street abroad, it is a time of wealth and strength, and it is far from the time to retire.

Due to national policies and regulations, MCA can no longer find a job at China Merchants Bank, but instead becomes the president of Fairy Bank. If you take the overall situation and work for about 10 years, there will be no problems at all.

MCA is capable and has a huge network of contacts. With an old man like him in charge, Xiao Qi doesn't have to worry about whether he can integrate into the overall banking environment in China.

What Xiao Qi has to do now is to push Yu Minwei to the top as soon as possible and let MCA take the initiative to retreat to the second line.

Once MCA retreats to the second line, it is definitely not too difficult to tell him to retire early, to regain new challenges, and to control a bank with an extremely bright future.

Ma Hua came to take charge of the operation, and Xiao Qi found him a talented deputy, which is both a kind of supervision of power and a kind of training. This is also a long-term plan.

Moreover, Xiao Qi had already known this candidate!

As for domestic sales personnel, it is even simpler. There are too many domestic financial graduates, and there are too many first-line temporary workers in the bank. With the treatment of fairies, I am afraid that countless elite talents will not be found. ?

Anyway, Xiao Qi’s preliminary plan is to open branches in prefecture-level cities and above. The number of branches is generally not more than 50. With slow development and slow training of talents, Fairy Bank will definitely not want to become a big fat man in one bite. .

However, opening a bank is not that simple. In addition to personnel and contacts, the most important thing is money.

Private banks are not state-owned banks, but they are definitely supervised by the People's Bank of China, and the supervision will even be stricter.

There should be deposit reserves, interest rate reviews, accounting statements, quarterly reviews, etc. Not only are there a lot of them, but the People's Bank of China will tighten the standards in terms of loans and financial products and services.

Fortunately, Xiao Qi's plan was not to grab food with a commercial bank.

He just uses the bank as the basic platform to facilitate his own third-party payment platform, mobile payment, network financial products, etc., and there is only a substantial carrier.

With such a bank standing there, people will have more confidence in these financial services on the Internet, otherwise they will feel that this is a little illusory and unrealistic.

Alibaba, Jingxi, Baidu, and Penguin will only be able to operate online by 2013. Xiao Qi has acquired a physical bank a few years in advance. If they can’t be left behind in development, it’s simply Extremely incompetent.

However, at this moment, Niu Ruzheng made a call.

"What's the matter with your bank?" Niu Ruzheng is very familiar with finance. "Are you going to open it to the mainland? The template of Fairy Company is indeed the template of the six consortiums of Samsung, LG and Japan. ?"

"I can't say that, but this is something that a consortium must have when it reaches a certain level." Xiao Qi knew that he would ask sooner or later, and he also answered in his heart: "Uncle Niu, not only from South Korea and Japan, but also from abroad. The consortium also has bank support. Isn’t it good for their development to be different? It’s never because I bought the bank that they would suppress me, right?"

"Who is going to suppress you?" Niu Ruzheng said with a smile: "I just want you to pay attention. The banking industry is very cautious in China. You have to step in, but I don't know what the consequences will be!"

"Don't worry, I won't compete with them for those deposit business and loan business." Xiao Qi smiled, "You know that I am involved in online finance, whether it is an e-commerce platform or what I plan to do. The mobile payment platform is my goal."

Xiao Qi has often talked to Niu Ruzheng about online commerce ~www.readwn.com~ not only third-party payment, mobile payment, etc., including b2b, these Niu Ruzheng knows.

Of course, Niu Ruzheng didn't know how big the future of online financial management was. When Xiao Qi said that he would not compete in the main business of the bank, he felt relieved for the most part.

He naturally wanted to help Xiao Qi. Since Xiao Qi said he would not touch the traditional big cake of the bank, it was naturally easier to handle it.

After all, there have been precedents for Hong Kong banks to conduct business in the Mainland.

Even if the Fairy Bank is Xiao Qi’s industry, they are registered and operated in Hong Kong. If they hinder them from entering the mainland, it will not be in line with the country’s general policy guidelines.

As a result, Niu Ru is helping to deal with it, and Xiao Qi's bank in the mainland can at least develop smoothly.

What's more, Niu Ruzheng also wanted to see how well Xiao Qi was talking about online commerce!

If done well, it will naturally be a great thing for the country and ordinary people! (To be continued...)