Rebirth of the Great Entertainment Empire

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Xu Cunqing's Gao Sen Zheng Haiquan is not simple, he is the first Chinese banker in Hong Kong with a high reputation. Read a book? …

In the 1970s, Zheng Haiquan was admitted to the Department of Economics, New Asia College, The Chinese University of Hong Kong, where he successively obtained a bachelor's degree in social sciences from the Chinese University of Hong Kong and a master's degree in philosophy from the Economics Department of the University of Auckland, New Zealand.

In 1978, Zheng Haiquan joined the Finance Department of HSBC.

In 1986, Zheng Haiquan became the chief economic researcher of HSBC.

In 1995, Zheng Haiquan was appointed general manager of HSBC.

In 1998, Zheng Haiquan was transferred to the vice chairman and chief executive officer of Hang Seng Bank.

In 2005, Zheng Haiquan succeeded the retired Elton as the chairman of the Asia Pacific region of HSBC in Hong Kong and Shanghai. He became the first Chinese to hold this position in the 139 years since the establishment of the HSBC Group, and also the highest-ranking Chinese in the HSBC Group. He is also the Managing Director of HSBC Group and a Director of Swire Pacific.

In 2007, HSBC Bank (China) Co., Ltd. was established, and Zheng Haiquan served as the chairman of the bank.

In 2008, Zheng Haiquan was appointed as the executive director of HSBC Holdings plc.

Heung Kong's "South China Morning Post" called Zheng Haiquan and Li Jiacheng together, or "the richest and most powerful man in Hong Kong's financial industry".

As soon as the idea of ​​a buyer bank was born, Xu Cun thought of Zheng Haiquan. ?Look at the book????・????Book?・

Zheng Haiquan is not only very capable, but most importantly, he is also recognized by the banking industry as a banker with professional ethics and conscience. A classmate of Xu Cun's last life who was a senior executive in a foreign bank highly respects Zheng Haiquan. He would always mention Zheng Haiquan at the party, so Xu Cun knew about Zheng Haiquan.

The richest man wanted to invite a middle-level and grass-roots person in the finance department of HSBC to be a senior counselor. He asked this little person who has always had great ambitions not to seize this once-in-a-lifetime opportunity?

Therefore, after Xu Cun talked with Zheng Haiquan by chance, and the day after he issued an invitation to Zheng Haiquan, Zheng Haiquan resigned from the finance department of HSBC.

When Zheng Haiquan came to Xu Cun to report his duties, Xu Cun told Zheng Haiquan his plans to buy the bank.

After hearing that Xu Cun wanted to own a wholly-owned private bank, Zheng Haiquan, who knew well about more than 100 banks in Hong Kong, told Xu Cun the basic information of the banks that met Xu Cun's conditions, and recommended Kangnian Bank and Hang Lung to Xu Cun. Bank, Sun Hung Kai Bank three licensed banks.

Among the three licensed banks of Conifer Bank, Hang Lung Bank and Sun Hung Kai Bank.

The most depositors are Sun Hung Kai Bank, but it is the most expensive to buy Sun Hung Kai Bank. Sun Hung Kai Bank is a medium-sized bank in Hong Kong, and it has some background. However, with the collapse of Hong Kong real estate last year and the outbreak of the banking crisis, Sun Hung Kai Bank is facing capital The double difficulties of shortage and massive loss of deposits are currently in the process of being liquidated. ??Look at the book??·???·So, Sun Hung Kai Bank may be bought by Xu Cun. However, the current owner of Sun Hung Kai Bank, Feng Jingxi, is not willing to sell all of Sun Hung Kai Bank. He just wants to sell half of the shares of Sun Hung Kai Bank to tide over the difficulties. Therefore, if Xu Cun wants to buy Sun Hung Kai Bank, he must bleed heavily.

The bank with the fewest depositors is Kangnian Bank, but Kangnian Bank is a small one. Buying it will not save money at all than buying Sun Hung Kai Bank. Kangnian Bank is an old small bank with assets of up to more than 200 million yuan. But now Kangnian Bank is doing well, and the proprietor has no intention of selling it at all. Therefore, if Xu Cun wanted to buy Kangnian Bank, he had to bleed heavily.

Hang Lung Bank's depositors are only a little less than Sun Hung Kai Bank, and if Xu Cun buys Hang Lung Bank, he should save a lot of money than Conan Bank and Sun Hung Kai Bank.

Zheng Haiquan analyzed: "Now, Hang Lung Bank is stuck in a quagmire, and there is a risk of causing a financial crisis. I guess the British Hong Kong government will not sit by and watch Hang Lung Bank cause a financial crisis. When necessary, the British Hong Kong government is likely to Hang Lung Bank injects capital and takes over Hang Lung Bank. At that time, shareholders of Hang Lung Bank such as Zhuang Rongkun and Zhuang Qingquan may be in vain. The shareholders of Hang Lung Bank should all know this. Therefore, they must be willing to sell Hang Lung Bank. , even if the price is lower. However, Hang Lung Bank is currently in a state of loss. Previously, Hang Lung Bank once claimed that Hang Lung Bank only had a loss of tens of millions, but I estimate that the Hang Lung Bank had at least 200,000 to 300 million losses. We conservatively estimate it. There is a loss of 400 million. Based on this value, Mr. Xu, you should be able to buy Hang Lung Bank with 500 million Hong Kong dollars. "

actually--

Rather than saying that Xu Cun wants to buy a bank, it is better to say that Xu Cun only wants to buy the license held by a licensed bank and the depositors owned by the bank.

Hong Kong implements a three-tier system of depository institutions, namely licensed banks, restricted license banks and deposit-taking companies, which are collectively referred to as authorized institutions. Among them, only licensed banks can operate current and savings accounts, and accept deposits of any amount and duration from the public, as well as pay or accept cheques issued or deposited by customers. Restricted license banks are mainly engaged in merchant banking and capital market activities. ~www.wuxiamtl.com~ can also accept deposits of HKD 500,000 or above for any term. Most of the deposit-taking companies are owned or associated with banks and are mainly engaged in various specialized businesses such as private consumer credit and securities. These companies can only accept deposits of HK$100,000 or more with an initial deposit period of at least three months.

Therefore, only a bank with a licensed banking license that is almost no longer issued by the British Hong Kong government can be regarded as a real bank, and can meet Xu Cun's purpose of wantonly borrowing money from depositors.

Therefore, Hang Lung Bank, which is itself a licensed bank and has a certain depositor base and is not expensive, is indeed the best choice for Xu Cun.

After listening to Zheng Haiquan's analysis, Xu Cun was silent for a while, and said, "Can 500 million Hong Kong dollars buy Hang Lung Bank?"

Zheng Haiquan said confidently: "If Hang Lung Bank really has a loss of more than 300 million yuan, Mr. Xu, you only need to give Zhuang Rongkun, Zhuang Qingquan and other shareholders Hang Lung Bank a maximum of 100 million Hong Kong dollars. Below, it will not cost 200 million Hong Kong dollars. And Hang Lung Bank After all, it is only a small and medium-sized bank, and it cannot have a loss of more than 400 million yuan, so 500 million Hong Kong dollars should be enough to buy Hang Lung Bank.”

Xu Cun asked Zheng Haiquan calmly, "Then how are you going to talk to them?"

Zheng Haiquan replied: "I will tell them, Mr. Xu, you are going to buy the Hang Lung Bank with no losses for 300 million Hong Kong dollars."

After listening to Zheng Haiquan's answer, Xu Cun laughed - Xu Cun was sure that if the shareholders of Hang Lung Bank such as Zhuang Rongkun and Zhuang Qingquan really wanted to get rid of the trouble of Hang Lung Bank, after Zheng Haiquan's test, how much loss did Hang Lung Bank have? , must not be able to hide.

Secretly nodded to Zheng Haiquan's response in his heart! Then, Xu Cun smiled and said, "Then I will leave the matter of buying Hang Lung Bank to you, Hai Quan."

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(To be continued.)