The Son of Finance of the Great Age

  Chapter 204 Everything is ready

  In fact, Zhong Shi had long planned to disperse funds to other banks, especially when he made up his mind to make a fortune in the South American market. The two giant banks, Standard Chartered and HSBC, have an extremely strong competitive relationship in all aspects and regions. This competitive relationship has continued to the rest of the world. In Southeast Asia and North America, HSBC beat Standard Chartered, while in Africa and In South America and other regions, Standard Chartered has a stronger advantage than HSBC.

   Therefore, he wanted to take this opportunity to withdraw part of the funds from HSBC's account and put them in other bank accounts. Putting funds in the bank is the most stupid investment method, because the income obtained is only part of the interest. The interest generated by these interest rates may not outperform the market, nor may it outperform inflation. That is to say, depositing funds in the bank Pure depreciation.

But Zhong Shi will not be able to find a better investment method for a while, so he can only put this part of the cash in the bank account, but he has already thought about it. After this period of time, he will put this batch of cash into The bond market goes up.

   "Mr. Zhong, if you want to withdraw such a large amount of funds at once, it may take us a while to prepare." Zheng Yang reacted quickly, and immediately resorted to delaying the attack after realizing that Zhong Shi urgently needed funds.

According to the usual practice, if there is a large amount of funds that need to be transferred, the bank must be informed some time in advance, so that the bank has time to prepare, because the banking industry cannot put cash in the vault to pay interest, and they have to lend cash to earn money. Take the interest rate difference, so as to maintain normal operations.

   "How long will it take?" Zhong Shi frowned and asked in surprise. What he needs most now is time, because according to the progress of history, that time is coming soon, and he must have all the funds ready by mid-December.

"Half a month!" Zheng Yang secretly looked at Zhong Shi's face, and then said a rough time, but seeing Zhong Shi's face suddenly turned from sunny to cloudy, he was overjoyed, and immediately changed his mind. : "This is just a rough estimate. According to my personal experience, it will take at least 20 days to transfer such a large amount of funds. After all, it will take time for us to transfer funds from other places."

"So long?" Zhong Shi didn't know that his expression had betrayed his bottom line, and he still said to himself: "If I transfer half of it and use Huade Real Estate as collateral, then HSBC can lend me a billion dollars ?"

Zheng Yang waited for this sentence. After having the shares of a real estate giant with a market value of tens of billions as collateral, he naturally had no risk considerations, and immediately said: "If this is the case, then I can personally make the decision. , give you a loan of up to 1.5 billion U.S. dollars."

At this time, Zeng Yuanshuang also finished her discussion with the senior management of Standard Chartered. She walked briskly into the conference room again in a very happy mood, and said to Zhong Shi from a distance: "Mr. Zhong, I just discussed with the senior management of the company. However, we can lend the Tianyu Fund 1.5 billion US dollars of funds, and this part of the funds needs the capital of the Tianyu Fund as a guarantee, and we will have special lawyers and auditors to follow up the specific details."

HSBC and Standard Chartered have no problems in this regard, and the rest is Jeremy. Although he has expressed his position just now, because some targets of Tianyu Fund are used as guarantees by Standard Chartered, Zhong Shi still has to find other guarantees.

  But Zhong Shi is not worried, because apart from this aspect, he still has more than two billion dollars in cash, which is enough for Jeremy to issue another loan of the same amount. Before he could tell the specific situation, Jeremy said unexpectedly: "Mr. Zhong, Chase Bank will take care of the rest!"

A total of 5 billion US dollars in loans, in addition to the 2.5 billion initially verbally promised by HSBC and Standard Chartered, there is still half of the amount. Jeremy was ready to take it as soon as he opened his mouth, which surprised Zheng Yang and Zeng Yuanshuang You must know that they vaguely know the financial situation of the Zhong family, so they dare to lend such a large amount with confidence. As a foreign bank, Jeremy didn't seem to have heard of any business dealings with Tianyu Fund before. How could he be so aggressive?

Although Jeremy was bold, it was precisely this attitude that won Zhong Shi's favor, and he immediately said: "Okay, these loans are not empty hands, I still have 2.5 billion US dollars in cash and investment Guarantee, guarantee that you will not take any risk. Besides, I only loan for three months, and once the three months are up, I will immediately return the principal and interest."

At this time, the one-year interest rate in the United States has reached a historical high of 5.5% (annualized), and even the three-month interest rate has reached 5.0% (annualized), which means that within three months, the three banks A total of $62.5 million in interest could be earned. With such a large profit, I believe they will look good in the financial statements for the fourth quarter.

  The reason why Jeremy is so radical and bold is not that he has not considered the risk aspect, but that Chase Bank is facing the acquisition risk of other large commercial banks due to performance reasons. Under such circumstances, the top management of Chase Bank urgently needs to improve its performance in order to be able to sell at a good price in future mergers. Remy.

Ever since Chase Manhattan Bank established its branch in Asia, it has always felt that it can't do its best. In addition to the giants HSBC and Standard Chartered who have long been entrenched here, they also need to face Hong Kong's local small commercial banks and the early The cruel competition between the Japanese consortium and the Singapore consortium eyeing the Hong Kong market. In terms of service awareness, consortiums such as HSBC born in Europe are no worse than American consortiums, and even Japanese banks have better services than them; in terms of maintaining local relationships, they are naturally inferior to local small and medium-sized banks that have long been entrenched . The only advantage they have is a huge amount of dollar capital.

Therefore, when a client proposed to borrow USD funds from Chase Manhattan Bank, Jeremy immediately became highly concerned. When he heard that the client had almost the same amount of USD funds as guarantee, he had already acquiesced in his heart. this business. Like HSBC and Standard Chartered, their business development in North America is not very smooth, because the United States is a country with highly market-oriented interest rates, and the banking industry is extremely developed. Just like the downtown area of ​​Chicago where Zhongshi now lives, adjacent to the surrounding areas of the three major Chicago exchanges, until now there is no HSBC branch. From this, we can see the embarrassment of the development of European consortiums in the United States.

  The reason why Zhongshi chose Chase Manhattan was because of their business network in South America. In fact, during the debt crisis in the 1980s, American consortiums lent money to the governments of these countries on a large scale. Today, with financial liberalization, these American consortiums have already spread their networks across most countries with open capital accounts.

  Dare to lend such a large amount of funds at such a high interest rate, which makes the three of them a little curious about what Zhong Shi is about to do. After chatting for a while, Jeremy couldn't help but asked, "Mr. Zhong, can you tell me where you want to invest?"

"This..." Zhong Shi showed embarrassment and hesitated to speak, but seeing the extremely curious expressions on the faces of the three people, he thought of teasing, "This part of the funds will be invested in the American market, including Canada, the United States, The capital markets of Mexico, Argentina, Brazil and other countries, I can’t disclose the specifics. After all, this is our internal research result, and it is inconvenient to disclose it to the outside world.”

  He said what he said, but he didn't say it, because normal people know that three months is definitely not enough to invest in a certain industrial project. Moreover, Zhong Shi is a fund manager of Tianyu Fund, so such a large-scale financing is naturally invested in the capital market. Zheng Yang and Zeng Yuanshuang couldn't help showing a little disdain for Zhong Shi, but Jeremy's eyes lit up, and he said immediately: "Since Mr. Zhong wants to invest in so many markets, he must need to exchange, and Chase Bank can help in this regard." You convert into the corresponding currency. In terms of exchange rate risk, you can also hedge through our over-the-counter market to ensure that your risk is minimized. In addition, you can also open exchanges in their countries through our brokerage channel Corresponding accounts. In a word, as long as we are in the Americas, there is nothing we cannot do.”

  The fact is exactly what they claimed, the power of these financial consortiums in the Americas is astonishing. Like Chase Manhattan Bank, after joining forces with the JP Morgan consortium, the new **** bank formed claims that there is nothing they can't do in the world, as long as they have their supreme VIP black card. Of course, there are extremely few people who can own this kind of card.

Jeremy's words made Zheng Yang and Zeng Yuanshuang feel extremely annoyed. They only paid attention to Zhong Shi's failure to disclose the investment target, but ignored the possibility of Zhong Shi's exchange of foreign exchange and the subsequent demand for currency forward hedging. Knowing that these are businesses means a lot of money. They accidentally let Jeremy take the lead, and they were naturally very annoyed. However, they reacted very quickly. After Jeremy said it, they quickly stated their position. If Zhongshi needs it, they may also vigorously support it.

With the funds in hand, Zhong Shi was in a good mood, and couldn't help joking: "In this case, I will use these funds as a guarantee to borrow the relevant currency from your local branch. You have made a lot of money, not only earning interest in US dollars, but also Earning interest in other currencies."

  From the beginning to the end, he didn't say what currency he wanted to exchange, nor did he say the amount he wanted to exchange. He just said some extremely vague words to perfuse them. Because he knows that if he conducts exchange through them again, his plan will be exposed in front of these rich and powerful banks. Although these banks will not set up any obstacles, if they want to scare the enemy, the possibility of final attack failure will increase a little bit. , he definitely didn't want to take the risk.

  On the contrary, he cannot reveal his goal prematurely, nor can he keep concealing it to the end. After all, he still needs to use the energy of these commercial banks to achieve his ultimate goal of destroying a country's currency system.

   Thank you very much book friend sailorren for the monthly pass! At the same time, thank you for letting me think about it and continue to reward!

  (end of this chapter)