Tomb robbing: many children, many blessings, start with marrying a wife and a flower spirit

Chapter 0090 Ten Billion, Acquiring Banks?

Luo Yingshi now also had to cut the meat and leave the field.

If you can't get cash flow anymore, you will be directly liquidated by bankruptcy.

Cut the meat early, and run outside while you are still valuable.

This time, it only takes three years and five years, and when Xiangjiang's real estate begins to prosper, his worth will definitely exceed tens of billions.

It is not an exaggeration to say that Lin Fei does not even do anything now.

In the future, it is also bound to join the four major families.

Of course, for Lin Fei, he didn't want to simply become the four major families, and how cool would it be to directly turn Xiangjiang into Lin Family City?

The current thinking has changed from the previous incremental thinking to the stock thinking.

Whoever survives is entitled to a better tomorrow.

An unprecedented crisis struck while wiping away most of the life savings of blind investors and taking a huge hit on Heungjiang's business economy and stock market.

This crisis has also brought severe tests to a number of enterprises.

Who is the real material, who is the husky in the wolf.

Eagle Group is actually quite good.

At least his assets are still valuable, at least Lin Fei is still willing to pay for it.

And now, some projects Lin Fei really won't look at more.

A large number of companies will learn from the past experience of Hong Kong Island, and while developing real estate, they will also control the company's debt ratio and liquidity, so as not to really play with themselves.

Even if such a company encounters such a crisis, it can wait for the dawn of time.

There is also a company and 26 investors, who generally invest blindly, or take out huge loans, or use leverage;

In the end, it is like a soap bubble, and it bursts with one poke.

Feilong Group

Lin Fei, Qiao Jiakang, Qin Wenning, Tang Wenzhe, Shao Jiahui and other high-level officials gathered together for a high-level meeting.

"I want to buy a bank!"

Lin Fei glanced at everyone, but there was a smile on his face: "How do you feel?" "

Several people were silent.

After a while, Qin Wenning said, "Boss, do you mean to acquire a bank?" Is it a literal acquisition? "

"Otherwise, what do you think I'm talking about?" Lin Fei smiled and said: "Now in this situation, the unlucky is bound to be the banking industry, this is the case, a number of financial companies have begun to liquidate one after another, I see, it will not be long before a run on Hong Kong Island will break out, at this time, we can find a few banks and take them down completely!" "

While speaking, Lin Fei clenched his fists and said: "There is a bank in hand, whether we do business in Xiangjiang or do business in the mainland in the future, we can make it more convenient!" "

Several people fell silent.

Mainly, this kind of thing has never been experienced before.

For a while, I really didn't know what to say.

Qin Wenning took the lead and said, "This is indeed an opportunity, but we have no experience in this area for the time being!" "

"No experience, it doesn't matter at all, the main thing is that we need a bank!" Lin Fei smiled and said, "Take the next one first!" "

Qiao Jiakang touched his chin, and then slowly spoke: "This is indeed an opportunity, I see, next, Xiangjiang will definitely break out a run incident, at this time, we can indeed rely on low prices to win a bank!" "

For the bank, it is not a blank eye watching the depositor save money, the depositor saves money, that is to give interest, save money, this cannot be used as a profit of the bank but a liability.

For banks, the normal operation is to take the loan, loan out, and then get back the high interest.

The interest on the loan must be higher than the interest on the deposit.

For banks, it is not about saving as much as possible, but about lending out as much as possible, but loans are also problematic, you can't guarantee that you can get a return if you loan out, in case the company goes bankrupt? What if someone rolls up the bank's money and runs away?

In this way, the depositor's predecessor cannot be used as working capital all;

That is to say, depositors' money is always greater than the bank's liquidity;

Therefore, no matter which bank run occurs, it may be on the verge of bankruptcy.

In the sixties and seventies, Hang Seng Bank faced a very horrible run on the bank, and in the end, it still relied on HSBC to get through this disaster, but HSBC also took 51% of the equity of Hang Seng Bank since then, and then slowly increased its shareholding ratio to 62.14%.

At present, the safest banks in HeungKong are HSBC, Hang Seng Bank and Standard Chartered Bank.

For other banks, the risk is great.

"Boss, what do you think?" Qin Wenning asked.

"Hang Lung Bank!" A smile appeared on Lin Fei's face: "I see, Hang Lung Bank is very good, my plan is to secretly acquire the shares of Hang Lung Bank and find a way to completely win Hang Lung Bank!" "

Qiao Jiakang frowned slightly: "The scale of Hang Lung Bank actually has a certain ability to resist risks, I don't think it is so easy to win!" "

"If it were easy, I wouldn't be staring at Hang Lung Bank, they are huge!"

Lin Fei smiled and said, "Take it down, we can also save a lot of things, Anning, I will leave this matter to you to deal with!" "

Qin Wenning nodded quickly: "Good!" "

Lin Fei thought for a while and said, "Let's go and talk to the banker brothers first, my sincerity is still very great!" "

Qin Wenning asked, "What is our budget?" "

Lin Fei smiled, and then said lightly: "You go to talk first, see their tone, and we will make a budget when we come back!" "

"Understood!" Qin Wenning nodded quickly.

......

Lin Fei touched his chin, and he also knew it.

Hang Lung Bank was about to suffer three waves.

The first case implicated was the trouble caused by Xie Liyuan's gold shop.

Xie Liyuan Gold Shop traced back, it was still the Qing Dynasty Tongzhi year, originally Gimpo was also a smooth development, in the 70s, the Bretton system was disintegrated, and then, the price of gold rose sharply, Xie Liyuan Gold Shop took the opportunity to launch the "Thousand Foot Gold Accumulation Plan": that is, Xiangjiang citizens can open gold accounts and buy and sell gold at the gold price of the day.

After the postponement, this policy was very popular with Xiangjiang citizens, and industry insiders estimated that Xie Liyuan Gold Shop took advantage of this to absorb more than 20 million yuan;

But the problem is that this gold is gold on paper.

It is impossible for the citizens of Xiangjiang to buy gold every day, and Xie Liyuan Gold Shop will not be idle and reserve so much gold.

Then, the time came to 1982, that is, this year, the international gold price rose sharply, every two gold rose nearly 1500 yuan, which immediately caused a large number of Xiangjiang citizens to buy gold, and Xie Liyuan gold shop simply did not have so much gold, so they could only buy gold in the market to replenish their positions.

This came and went, which led to losses, and then further led to poor cash flow and eventual bankruptcy.

Originally, Gimpo and Hang Lung Bank had a close relationship, and the two sides signed an agreement that the bank recognized the gold vouchers of the gold shop, but as a result, as soon as the gold shop collapsed, Hang Lung Bank directly denied it, and the investor took the gold coupons of Gimpo to Hang Lung Bank to ask for cash exchange, but was rejected.

Then, the matter went straight to the big point, and countless users took the matter to the sky, triggering a run on Hang Lung Bank, and within two days, nearly 100 million yuan was withdrawn.

As a matter of good luck, this time Hang Seng Bank, Standard Chartered Bank and Hua Xia Bank issued statements fully supporting Hang Lung Bank, and the run on the bank temporarily subsided.

Two months later, Diners Finance was forced to liquidate because it owed a total of HK$650 million to banks and could not be repaid, and it was discovered that two directors of Hang Lung were also directors of Diners Club, so the solvency of Hang Lung Bank was once again questioned and a run broke out again.

Later, a number of active financial companies in the market closed down one after another, and the market was in turmoil.

The third implicated case, Hang Seng Bank, Standard Chartered Bank and the Hong Kong government, found through investigation that Hang Lung's problems were far more and more terrible than revealed, Hang Lung Bank hid a batch of bad debts, which was already a serious violation of HeungKong laws, and subsequently, a cheque payment from Hang Lung Bank in the market was once again pushed to the forefront of the storm, and a run occurred for the third time.

Three successive runs directly depleted ninety percent of Hang Lung Bank's blood bar.

At this time, I can take the opportunity to start and directly win Hang Lung Bank.

......

Feilong Group (Read violent novels, go on Feilu Novel Network!) ）

Lin Fei was slowly drinking coffee.

Qin Wenning stood in front of Lin Fei and told his experience in the Philippines.

The banker brothers are not in Xiangjiang, but in the Philippines, they are Hu Jian overseas Chinese businessmen, one named Zhuang Rongkun and the other named Zhuang Qingquan, who acquired 80% of the shares of Hang Lung Bank in 1976.

Upon hearing that Tin Wenning was coming to acquire Hang Lung Bank.

The brothers did receive Qin Wenning, but the tone of voice was not so good.

For example, what kind of dog Lin Fei is, I have never heard of it.

For example, if Lin Fei really wants to win Hang Lung Bank, it is not impossible, or he will give us the microcell technology for free, or let Lin Fei directly take 10 billion yuan to directly acquire Hang Lung Bank.

Lin Fei looked up at Qin Wenning, and his eyes also slightly carried a bit of murderous aura: "They really said so?" "

"Nothing to add to it!" Qin Wenning gritted his teeth and said, "Boss, brother Zhuang, it's too faceless!" "

Lin Fei put down the coffee cup, but there was a smile on his face, and said lightly: "You go find Henry and contact some government officials..."

In the past life, Hang Lung Bank developed too fast in the 70s and speculated excessively in the real estate boom of the early 80s, so this crisis, the bank was already in a deep quagmire, and finally the Hong Kong government accepted Hang Lung Bank and injected 300 million Hong Kong dollars into Hang Lung Bank through the Exchange Fund.

Let the government go bankrupt and liquidate, and buy the bank at a low price yourself.

Naturally, there are countless political revolving doors involved.

It doesn't matter...

This set, he is already familiar with.

Qin Wenning nodded, and then, he couldn't help but ask, "Boss, aren't you angry?" "

"Why should I be angry?" Lin Fei smiled and said, "They just don't know how powerful I am, now, I'll let them see how powerful I am!" "。