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This morning, Tang Xiaochuan signed a power of attorney with Pang Yidong in the office of Feitian Technology Group, entrusting Pang Yidong and his team to be responsible for the acquisition of Xiangjiang Huayue Bank Co., Ltd.

After signing the power of attorney, Pang Yidong packed the power of attorney and said to Tang Xiaochuan: "Mr. Tang, I have had a rough understanding of Huayue Bank in the past two days. Huayue Bank is a medium-sized bank with a small scale. , But the business involved is very extensive. At the same time, it is also a listed company. Its outstanding shares account for 40%. The three families of He, Chen, and Wang of Xiangjiang hold 38%, 16%, and 6% of non-tradable shares, respectively. !"

"I have a question. I don't know if Mr. Tang wants to hold wholly-owned or absolute holdings in it?"

Tang Xiaochuan smiled and said: “There is no financial crisis now. If you want to take a wholly-owned holding of a listed bank investment company limited by shares and revoke its listing on the stock market, the price will be very high. I don’t think there is any need for it. Wholly-owned holding, absolute holding is enough!"

Pang Yidong nodded, "I have checked that Huayue Bank has been losing money in recent years. The market value has fallen from more than 140 billion to more than 80 billion. It can be said that almost two-fifths of the market value has evaporated. The main reason is that the business volume has been greatly reduced, and the number of depositors and depositors has been greatly reduced. Regardless of the fact that Xiangjiang is not large, there are many banks on the island and the competition is also great. This bank has some problems in its operation, and it is known that it is currently Situation!"

"Mr. Tang, if the acquisition is completed, it will not be easy to reverse the situation and increase the business volume, the number of depositors and the number of deposits of Huayue Bank. I hope you have a psychological preparation!"

Tang Xiaochuan nodded: "Don't worry, there is not even a depositor, and I am not worried. My personal money is enough to keep this bank busy. Employees must think about how to lend out and invest in me! But you too The reminder is right, such a bank investment company must have an efficient and enterprising team!"

A week later, Tang Xiaochuan received a detailed due diligence report from Pang Yidong’s team. The report showed that even though Huayue Bank’s business volume has shrunk greatly, it still has one branch and six branches in Binhai, and another branch in Eastern Guangdong Province. And 23 branches, three sub-branches and thirty-two branches in Nanyang, one sub-branch and three branches in Wandao, one sub-branch in Ao Island, one sub-branch and four branches in Dongying, and another in the Cayman Islands. There is a branch with a total savings of 48.7 billion Hong Kong dollars, currently lending 10.7 billion and foreign investment 26.4 billion.

Huayue Bank also provides financial services such as retail and corporate banking, credit, securities and futures trading, personal wealth management, trust and property management, MPF and insurance.

"It lost 1.3 billion the year before last year, 2.2 billion the year before, and 2.8 billion last year. It was also investigated last year. It is estimated that the situation of Huayue Bank this year will not be too good, and it may be worse than last year!" read the survey report in Tang Xiaochuan At the time, Pang Yidong briefly talked about the situation of Huayue Bank.

Tang Xiaochuan asked: "Which businesses are the main losses?"

"The main reason is that the loss is in foreign investment. The failure of investment caused the stock price to plummet, and this also made savers panic. Therefore, the amount of savings and the number of savers have also been greatly reduced. My team and I have conducted some analysis and believe that the main The reason is still affected by the environment!"

After reading the due diligence report carefully, Tang Xiaochuan said: "Let’s go ahead, please lead Mr. Pang to go to Xiangjiang as soon as possible to contact with the He family, Chen family and Wang family, to test their reaction and see if they have any thoughts on transferring equity! "

"Ok!"

Two days later, Tang Xiaochuan received a call from Pang Yidong from Xiangjiang.

"Mr. Tang, the Chen family and the Wang family all have the idea of ​​transferring equity. After all, they don’t have much equity, but the He family is different. They have 38% of the equity. The current general manager of Huayue Bank is the He family’s. Erfang He Jingdong, the He family also controls the board of directors of Huayue Bank Investment Co., Ltd. The He family seems to want to hold on!"

After hearing this, Tang Xiaochuan said: "Okay, I see, continue on your side, I will find a solution for the He family's affairs!"

After hanging up the phone, Tang Xiaochuan raised his hand and said to Leihuo: "Lao Lei, check me out what industries He family has!"

Thunder Tiger quickly searched out the industrial situation of He's family in Xiangjiang. On the virtual video screen, Tang Xiaochuan saw He's main pillar industry, a shipbuilding group with four subsidiaries, one of which was shipbuilding and the other three. To produce parts, there is also a listed electronic parts manufacturing company, which is not small in scale, and is also a listed company.

Tang Xiaochuan took out his cell phone and called Pang Yidong.

"Mr. Tang!" Pang Yidong's voice came over the phone.

Tang Xiaochuan asked, "Mr. Pang, have you contacted the He family? Have you offered a price?"

"I have been in contact with He Runsheng, the helm of the He family who I personally met. During the conversation, this Mr. He did not want to transfer the equity. I heard that this Mr. He loves his second son He Jingdong. It is reasonable for Jingdong to keep the Huayue Bank industry and not want to transfer its equity!"

Tang Xiaochuan thought for a while and said to Pang Yidong: "Let’s do it first, let’s go and talk to Mr. He, and ask for a price. I will pay 23 billion for the 60% of the shares held by the three companies! Of course, this price is not the same. Absolutely, as long as Mr. He intends to transfer the equity, the price can still be negotiated!"

"Okay, I see, Mr. Tang!"

Of course, at eight o'clock in the evening, Tang Xiaochuan received a reply from Pang Yidong.

"Mr. Tang, I went to see Mr. He just now. I can see that He Runsheng is reluctant to transfer Huayue Bank. This bank has gone through four generations, starting with his grandfather, passing it to his father, and then passing it to him. In his hand, he passed it on to his second son. After all, it has a history of 80 or 90 years. The current bank situation is deteriorating. He and his second son have no good way to reverse the situation, so his current psychology should be very contradictory. I think he should be given some time!"

After listening, Tang Xiaochuan said, "I see. I will give them three days. If there is no reply after three days, I will use financial means!"

Two days later, Pang Yidong called and said that the He family agreed to talk.

After hanging up the phone, Tang Xiaochuan asked his wife: "Jingwen, do you want to go to Xiangjiang to play?"

Guan Jingwen, who was eating snacks, turned her head and asked: "Are you going to Xiangjiang?"

"Yup!"

"Where are you going for?"

"Didn’t I tell you last time that the acquisition of a bank does not work in China, so I set my target at Xiangjiang. There is a Huayue Bank in Xiangjiang. At present, there are some problems in the operation of this bank, and its market value has shrunk significantly. , It's a great time for acquisition!"

Guan Jingwen thought about it, "Well then, I just happened to go to Xiangjiang to buy some things for my own use, and by the way, I will also buy some baby products for the little one!"

That night, the two took a special plane to Hong Kong and stayed in the hotel directly after getting off the plane.

Tang Xiaochuan did not go to discuss business the next morning, but went shopping with his wife.

He really underestimated Guan Jingwen's potential, and walked fast with a big belly, even more energetic than usual shopping. In less than two hours, he bought a lot of things and the trunk of the car couldn't fit.

After lunch, Guan Jingwen, who returned to the hotel, sorted out her battle results in the room. Pang Yidong came to see Tang Xiaochuan, and the two discussed meeting He Runsheng in the living room.

Tang Xiaochuan asked: "Mr. Pang, He Runsheng is also a man of the generation, how could he easily agree to talk to us?"

Pang Yidong thought for a while and said: "I also analyzed it. I personally think that He Runsheng agreed to talk to us. There may be several reasons. First, he already knows that Mr. Tang is determined to win. He must have investigated Mr. Tang's situation and knows that Tang The sir’s financial resources are strong. If he insists on it, he will probably lose more in the end!"

"Second, Huayue Bank’s current situation is not very good. It has been losing money for three consecutive years, and even some branches have been unable to sustain it. The situation this year is also bad for Huayue Bank, and it has a greater impact on other industries of the He family. The two listed companies of He Jia have to obtain bank loans in the past two years to barely maintain it!"

"Third, He Runsheng was very disappointed with his second son, He Jingdong. For several years in a row, He Jingdong has not improved the operation of Huayue Bank. Instead of continuing to lose money, it is better to take this opportunity to sell for a good price!"

Tang Xiaochuan nodded after listening, and asked, "How was the meeting with He Runsheng arranged?"

Pang Yidong said: "It is scheduled to be at nine o'clock tomorrow morning, and the location will be at the headquarters of Huayue Bank!"

After washing and eating breakfast in the hotel restaurant this morning, Tang Xiaochuan asked, “I’m going to meet with He Runsheng, chairman of Huayue Bank later, to talk about the acquisition. Will you go with me or go shopping by yourself?”

"Go ahead, I'll meet some friends and talk to them!"

"Okay, pay attention, don't be too tired!"

"Ok!"

Take the special car to Huayue Bank headquarters with Pang Yidong and others. As soon as the car stopped, Tang Xiaochuan and others got off the car and saw an old man in a suit walking down the steps with a cane and a group of young and middle-aged people in the same suit and leather shoes. .

"Welcome to Mr. Tang!" He Runsheng walked over with a smile and stretched out his hand to Tang Xiaochuan in a loud voice.

Tang Xiaochuan shook hands with He Runsheng, "I've heard of Mr. He's name for a long time, like Lei Guaner, I've seen it today, it's a great pleasure!"

"Hahaha, Mr. Tang is exaggerating old age, please!"

"Thank you!"

The two entered the bank and went to the elevator to enter the elevator. He Runsheng asked, "I heard that Mr. Tang arrived the night before. I wonder if Mr. Tang is used to living and eating in Xiangjiang?"

"It's okay. The barbecued pork and roast goose here are very good. Yesterday I went to a few old shops to taste it. It really was a worthwhile trip!"

He Runsheng asked: "Mr. Tang has a special liking for Huayue Bank. If we can cooperate successfully this time, how does Mr. Tang plan to run this bank?"

Tang Xiaochuan smiled and said, "Mr. He, I don’t know anything about bank operations, but it’s not important to me. It doesn’t matter if I don’t understand. As long as I can find someone who understands to operate, Liu Bang will not fight. Not even able to govern the country, but he also founded the Great Han Dynasty, put talents in the right place, he can play the most role!"