My 1999

Time flies, and in the blink of an eye, Xu Liang has spent nearly a month in the United States.

In addition to handling the daily reports of various groups step by step, the rest of the time is mainly busy with two things.

The first is the progress of the "Zhurong Plan".

Now, Hanhua has more than 70 billion US dollars of short funds entering the global stock market, which is unleveraged funds.

And it is still flowing in continuously.

Especially with the intervention of countries around the world in the stock market, the stock markets of various countries, especially the US stock market, have continued to rise, showing signs of getting out of the series of crises brought about by the subprime debt.

It makes it easier for Hanhua to short.

The second is the "dark fiber" plan.

Hongmeng and Facebook jointly established a dark fiber company "Facebook Telecom", with an initial investment of 1 billion US dollars. Facebook invested 510 million US dollars and held 51% of the shares.

Hongmeng invested 4.9 US dollars and held 49% of the shares.

The company invested in dark fiber in the United States and around the world.

Later, depending on the development of the company, it will decide whether to continue investing or simply raise funds.

After arranging these two things, it was October 12th, and Xu Liang officially left the United States and flew to Hong Kong.

Participated in the IPO of Hongmeng Games.

The overall valuation of Hongmeng Games is 112.5 billion US dollars.

The company has a total share capital of 5 billion shares, 1 billion shares are issued, and Hong Kong is listed on the main board, 600 million shares are issued, and each share is 173.7 Hong Kong dollars;

Nasdaq is listed again, and 400 million shares are issued, and each share is 22.5 US dollars.

Among the issued shares, 60% of the old shares are cashed out, and the remaining 40% are raised new shares.

Three days after the listing, the Hong Kong stock market has exceeded 260 Hong Kong dollars, and the US stock market has also exceeded 30 US dollars.

Driving the overall market value of Hongmeng Games to exceed 160 billion US dollars.

According to Hanhua's big data model, the highest point of the market value of Hongmeng Games has the opportunity to exceed 200 billion US dollars, but how long it can last is a question.

After the six-month lock-up period is over, how much market value Hongmeng Games can maintain is also a question.

However, this is all in the future.

At least in this Hongmeng Game IPO, Hongmeng Group cashed out $8.7 billion.

But this listing also reduced Hongmeng Group's stake in Hongmeng Games from 64.46% to 53.7%.

After the Hongmeng Game IPO, Xu Liang went from Hong Kong to Beijing, explained the dark fiber problem to Hongmeng, stayed at home in Beijing for a week, and flew directly to London.

——

It was already November in London, and the weather was cold.

In order to cope with the cold winter, Xu Liang completely renovated the giant manor, which is 45 minutes' drive from the center of London, covers an area of ​​76 acres, has a main building area of ​​12,600 square meters, and has tennis courts, basketball courts, family farms and small horse farms.

The heating was reinstalled, and floor heating was installed in some main rooms.

Even in the cold winter, the room is as warm as spring.

But the gentle warmth also brings annoying dryness, so if you want to enjoy a comfortable sleep, you must use a humidifier.

Xu Liang, who slept until dawn, slowly opened his eyes.

The sound of the humidifier slowly made his chaotic brain regain consciousness.

The clear touch on his left and right hands made him look over subconsciously.

Mo Manniang was wearing a white floral cotton pajamas. From the triangular neckline, you can see the deep cleavage and plump hemispheres.

She had given birth to a child, and like many women, she had a more impressive cleavage under the stimulation of estrogen.

However, after so many years, the two had slept in the same bed countless times.

She was still as shy as before.

After the evening, she was so tired that her legs were weak, but she still insisted on putting on pajamas.

In contrast, Mo Hongzhuang next to her was different.

She grew up in the UK and was a typical yellow-skinned and white-hearted woman with a plump and slender figure, a gourd shape that men generally like.

She was bold and daring. Although she had just entered college, she followed Xu the scumbag at the age of 18 and dedicated her innocent body.

But she was a completely different style from her shy, introverted, elegant and beautiful cousin.

After a night of romance, she was sleeping soundly in Xu Liang's arms.

Except for a corner of a thin blanket on her belly, everything else was exposed.

After Xu Liang admired her for a while, he got out of bed quietly.

There were already three pairs of women with blood relations around him.

Sun Mingzhen and Sun Yizhen were sisters.

An Kaiyue and Yang Mi were cousins.

Mo Manniang and Mo Hongzhuang were also cousins.

This relationship reduced a lot of disputes between them and relieved Xu Liang of a lot of troubles.

After the routine martial arts and fitness training, the three little guys at home also woke up.

Last September, Mo Manniang gave birth to a son for him, and Mo Hongzhuang gave birth to a pair of twin daughters for him.

The three little guys are just over one year old now, and they are soft and fragrant, just the most lovable time.

The cute voice and round little face directly touched the softest heart of the old father.

Especially the two twin girls.

There are many women around him, many of whom gave birth to twin sons, and there are also several pairs of twin boys and girls.

But it was the first time for twin daughters.

He also liked them very much.

When he was eating breakfast with the three little ones, the woman in the bedroom upstairs also woke up.

Like before, Mo Manniang changed into a light yellow knitted long-sleeved sweater, loose black pants, and her long hair was tied into a big bun behind her head, and she walked down from upstairs quickly.

Although she didn't wear makeup, her beautiful face was still intact.

Xu Liang saw it with his eyes and loved it in his heart.

Among the women around him, and even among all the beauties he had seen.

Mo Manniang, Helen, Christina, and Fan Xiaopang were in the first tier.

Unlike the latter three, he really had "love" for Mo Manniang, not just desire.

"Mom..."

Xu Wenji's eyes lit up, and he struggled to stand up from the baby chair and opened his little hands for a hug.

He was Xu Liang's fifteenth son.

He inherited the good genes of his parents.

He had been a chubby boy since he was a child, and he had never been sick since he was born.

Looking at her son, Mo Manniang smiled gently, kissed the two "daughters" Xu Wenchang and Xu Wen'e first, and then hugged her son.

"Where's Feifei, is she still sleeping in?" Xu Liang asked.

"Yeah. She said she was exhausted last night and wanted to sleep a little longer, so we should have breakfast first and not wait for her."

Among the women around him, Mo Hongzhuang is the one who likes to sleep in the most.

Xu Liang has long been accustomed to it.

The Chinese breakfast on the table is very rich. Xu Liang scooped a bowl of millet, red dates and yam porridge and brought it over.

"This is the porridge I specially asked the kitchen to cook. It nourishes yin and yang, replenishes qi and blood."

Mo Manniang, who has been together for almost eight years, looked at the man's playful eyes and understood instantly.

Her pretty face was slightly red, and she glared at him with a slight anger and took the porridge.

With her temperament, if she really couldn't satisfy the man, she would never accept sharing her man with her cousin.

Xu Liang smiled, "By the way, how is your exhibition going?"

"It's ready. It will be held at the 'National Gallery' on the 8th of next month."

She doesn't have very high material requirements. Her lifelong love is painting.

After graduating from the 'Royal Academy of Art', she has been focusing on traveling and oil painting.

Because she was so beautiful and had excellent painting skills, Xu Liang used his power to promote her, and Mo Manniang became a young and beautiful painter with a little fame worldwide.

Under the charm of money, the British National Gallery also opened directly to her.

"No. 8, I remember it, I will go to support you in person when the time comes."

"Really?"

"Of course."

The affirmative answer instantly made Mo Manniang's eyes and eyebrows show joy.

No mistakes, one post, one content, one 6, one 9, one book, one bar!

"By the way, Wanwan, have you ever thought about starting a gallery yourself?" Xu Liang asked.

Mo Manniang thought about it and shook her head.

"I like painting, and I like family more. I am not interested in business, and I don't want to waste time on it."

Hearing her say this, Xu Liang didn't mention it again.

The two of them ate and talked, and soon finished breakfast.

Xu Liang accompanied his wife and children for a while, and then left home.

The car entered the city of London and soon arrived at the headquarters of Standard Chartered Bank in the City of London.

This time he only informed John Humphrey, CEO of Standard Chartered Bank, and specifically told him not to do useless welcoming work.

So when he got off the car, few people really noticed.

But after entering the hall, he saw Humphrey waiting with several executives.

"Boss."

"Go up and talk."

There were too many people here, and Xu Liang didn't want to attract attention.

Came to the president's office upstairs.

Humphrey immediately brewed the tea prepared in advance.

Xu Liang took a sip and nodded with a smile, "It tastes good, thank you John."

"You're welcome."

"How is the company developing recently?" Xu Liang asked.

"Thanks to your wise leadership, Standard Chartered is now the best bank in the UK, no, it should be said that it is the best developed bank in the world."

As he said, Humphrey handed over a thick stack of information in his hand.

"This is Standard Chartered's third-quarter financial report and operating data."

Standard Chartered Bank's pre-tax profit in the third quarter of 2007 increased by 29% year-on-year to US$1.058 billion, and net income increased to US$2.367 billion, an increase of 15%.

Earnings per share were 155.9 cents, up 29.4%, and return on equity rose to 29.5%.

At the same time, the bank's bad debts fell 45.8% to $284 million.

Driven by good performance, Standard Chartered Bank's market value grew against the trend when the US subprime mortgage crisis emerged and global bank stocks were generally not optimistic. It has now exceeded $32 billion, more than doubled when Xu Liang acquired it.

Standard Chartered's total assets have also increased from nearly $500 billion to $629 billion now.

"What is Standard Chartered Bank's mortgage default rate in the third quarter?"

"5.39%. It is the lowest among all banks in the UK. Among the top 100 banks in the world, only some banks in Huaxia can compare with us."

At this point, Humphrey couldn't help but show admiration on his face.

As early as five years ago, Xu Liang had been reminding him to pay attention to the hidden crisis in the US real estate market.

Standard Chartered was required to not allow any US real estate CDO products in its balance sheet, and even required that Standard Chartered's real estate loans not only strictly assess the mortgage recipients, but also require that the down payment ratio should not be less than 30%.

These strategies once made Standard Chartered's real estate loans lag far behind its peers.

They also made the group very dissatisfied from top to bottom.

If it wasn't for the major shareholders of Xu Liang Group and the fact that the group's nearly half of the equity was held, it would have rebelled internally.

After more than two years, as the U.S. bond crisis has intensified, the banks investing in the US CDO bonds have lost heavy losses. How dissatisfied with Boss Xu before, I admire it now!

However, the crisis derived from the US sub -loan still inevitably impacted the global market, which caused a defaulted contract for many Standard Chartered mortgage customers.

Some bad debts were generated.

But fortunately, under the drive of Xu Liang, Standard Chartered has invested in Huaxia's corporate loan with a lot of money. In the past two years, it has developed rapidly in the past two years, and profits have continued to increase.

Among the entire EU banks, it is not a way to say, but it is not much different.

"How about Guangfa?"

"Very great." Hamffle's face was more excited. "The big data system we cooperated with Hongmon Pan Ancient Company is really great, and it has developed a lot of high -quality credit card customers for us.

In just one year, Guangfa's credit card customers increased by nearly 2.8 million, which brought nearly 2.56 billion Huaxia coins in the third quarter and net profit of 418 million Huaxia coins. "

The joint -stock banks such as Guangfa, Pudong Development, and Minsheng cannot be compared with the five states.

The latter can obtain a huge amount of individual users and commercial users with a Chinese character without doing anything.

Obviously there is no such opportunity for Guangfa and Pudong Development. If you want to increase revenue and get more profits, you must take a different approach to do the business that do not look at it, or do not pay attention to it.

For example, credit card.

Of course, the five major banks have credit cards, but the review is too strict. Even if it is approved, ordinary people cannot get a large amount.

Guangfa mainly eats this market.

Give those qualified customers and raise credit card credit.

But how to ensure the ability to pay back is a problem with high credit.

At this time, a lot of data is needed.

Hong Meng Pan Gu has become the best choice.

Pangu not only provides big data systems and cloud computing, but also provides a huge amount of personal data information collected by itself.

Hongmeng's Bi Ying, No. 1 store, etc., are the sources of these data.

After being summarized by Pangu's cloud computing and big data systems, these huge amounts of data have become business data that can be sold to obtain benefits.

These different categories of data will be provided to banks, beverage companies, supermarkets and other companies as needed.

With more and more data, more and more complete, this business has gradually become one of the main sources of income from Pangu Company.

"Guangfa is not on the Standard Chartered financial liabilities, it will not integrate into the group's system in the future, so the most important thing for Standard Chartered in Huaxia is the group's own bank network and business."

"Don't worry, I understand. I will try to expand the group's network in Huaxia."

Xu Liang nodded. Now, under his urging, Standard Chartered is already the largest bank of Huaxia branch.

The 68 branches that exceed HSBC have 83 branches inland without calculating Hong Kong, Macao and Taiwan.

The group has nearly 5,000 large and small companies.

Although it is not as good as domestic domestic and stock -based banks, it is the one with the most business in foreign capital.

Xu Liang took a sip of the tea on the table and smiled.

"John, the headquarters of Standard Chartered has been in the UK for many years, and there is no business. There is no sense of presence throughout Europe. Can you tell me the reason?"