I Want To Be a Rich Man on Hong Kong Island

In this bank run incident, another banker also begged Wu Guangyao, that is, Qiu Degen of the Far East Bank;

However, Qiu Degen was a man, and he didn't talk much when they met, but it moved Wu Guangyao.

"Mr. Wu, we are still from the same hometown, so I trust you very much! I don't ask you to borrow money, I just want to mortgage my property to you, and I hope you can support a certain amount of cash flow in our bank."

The properties of the Far East Bank are indeed valuable. The Far East Bank Building is a beautiful building in the Central District, and the Liyuan Playground is also a property with an excellent location.

Therefore, Wu Guangyao didn't have any idea at all, and directly lent 70% of the value of the two properties to Qiu Degen;

In fact, it’s not that Wu Guangyao didn’t have the idea of ​​taking a stake in the Far East Bank. The main reason is that Qiu Degen is very stubborn. Later generations attracted shareholders of two foreign banks, and they all went to court with others to fight for control; the key is that the shares of the other two companies have reached More than 50%, have you ever fought?

.........

China Everbright Bank Conference Room

Wu Guangyao said, "Lei Hong, has Southeast Bank digested it yet?"

Lei Hong said quickly: "Boss, there is no Southeast Bank at this time, only twelve branches of China Everbright Bank. These twelve branches have been perfectly connected with the head office at this time, and the next step is to train these new employees while they are on the job. ......"

Wu Guangyao nodded, everyone's efficiency is quite high, and he is very satisfied!

"The next step is to fight for those who withdraw money, and then deposit the money into our China Everbright Bank. I hope you will start this battle well. I don't mind if you use my reputation to make a fool of yourself. You can even go to my company to promote it!" Wu Guangyao made a joke.

Everyone laughed knowingly. Although the boss was joking, the boss's reputation is very useful, no worse than HSBC!

"Yes, boss, don't worry, we will definitely handle this matter beautifully!" Lei Hong said confidently.

Wu Guangyao then asked Andri: "How is the situation at Hang Seng Bank?"

Andri said: "The situation is good. After all, they not only borrowed your money, but also your reputation; the number of people withdrawing money has been greatly reduced, and many people have even deposited their money back."

Andrei is one of the directors sent by Wu Guangyao to Hang Seng Bank,

The other two are Rong Bensheng and Lei Hong, a total of three directors;

The three directors will basically not participate in the specific operations of Hang Seng Bank, and will only express their opinions on some important decisions!

"You only need to pay attention to the affairs of Hang Seng Bank. What is important now is to formulate the decisions and strategies of China Everbright Bank."

"By the way, due to the bank run incident, the real estate industry is already at a freezing point, so our bank does not lend to real estate developers; no real estate developer is allowed to borrow a penny from us until I ask."

"The main direction of our loans is industry, and we need to control the proportion of loans. In the past few years, we have not sought rapid development, but only steady growth."

Wu Guangyao directly set the tone to save Everbright Bank from suffering heavy losses in the June 7 incident!

Throughout February, Wu Guangyao was the object of discussion among Hong Kong residents, and his popularity has surpassed that of the Hong Kong government, HSBC, and Standard Chartered.

There are two main points of discussion:

First, the China Everbright Bank under Wu Guangyao was able to provide a large amount of cash in less than a month after its establishment, which made the public think about it; there were even gossips that Wu Guangyao provided a cash flow worth one billion Hong Kong dollars. The scale exceeds HSBC and Standard Chartered.

Second, Wu Guangyao's China Everbright Bank merged Southeast Bank and took a stake in Hang Seng Bank to become a major shareholder. It is unavoidable to be suspected of taking advantage of others; therefore, among the peers, there are many people who criticize Wu Guangyao.

The first point is that Wu Guangyao can ignore it. In Hong Kong Island, almost no one dares to touch himself or his family because of money; because Wu Guangyao has two kinds of power to deter others, and Wu Guangyao and his family have bodyguards with guns; On the other hand, the poor on Hong Kong Island have more or less been favored by Wu Guangyao, who has an excellent reputation and prestige.

The second point made Wu Guangyao feel a little wronged, so Wu Guangyao explained to himself in the media:

"China Everbright Bank is a commercial bank, and the money is also the start-up capital deposited by itself. For example, if one day Everbright Bank encounters this kind of thing and is in deep crisis; then will other banks join forces, unconditionally and unlimited How about subsidizing China Everbright Bank?"

"Southeast Bank is already on the verge of bankruptcy, and their boss is disheartened, so they naturally reached an acquisition agreement."

"However, Hang Seng Bank's catastrophe can only be alleviated by using hundreds of millions of Hong Kong dollars! After taking the shares, China Everbright Bank has not interfered with Hang Seng Bank's affairs. Hang Seng Bank is still Hang Seng Bank, which at least shows that we are buying in good faith. Unlike some acquirers , Once you succeed, you will dismantle the prey, or at least make it beyond recognition."

Wu Guangyao's speech helped him more or less!

In fact, the people of Hong Kong Island still appreciate Wu Guangyao's performance this time!

After all, if Wu Guangyao hadn't given out so much cash, everyone would still be in panic.

This time, HSBC and Standard Chartered Bank also acquired several Chinese-funded banks, so naturally they will inevitably be criticized;

Some people even complained about the Hong Kong government, saying that every time there was a bank run, the Hong Kong government always reacted a little slower to facilitate the acquisition of Chinese banks by British banks.

 …

The bank run event not only affected the banking industry, but also had a huge impact on the real estate industry. The originally prosperous real estate industry collapsed, hundreds of real estate companies closed down, and the real estate industry entered an off-season.

Almost all those desperate and gambling real estate speculators were killed, and the whole army was wiped out;

Even some billionaires have lost a lot and have since disappeared from the business world of Hong Kong Island;

Otherwise, how could there be four great families in later generations?

In this incident, the four major families of the later generations basically had no losses. They are all conservative in their own funds or a small amount of loans to invest in real estate.

In the chairman's meeting room of Hang Seng Bank, Wu Guangyao was talking with He Shanheng.

"There must be a lot of people coming to see Brother He recently!" Wu Guangyao said.

He Shanheng said calmly: "Most of them are real estate developers. This time, they are also badly hurt. They just want to test my tone and confirm the loan issue of Hang Seng Bank."

Wu Guangyao said, "How does Hang Seng Bank handle this kind of thing?"

He Shanheng has adjusted his mentality. The person in front of him is actually the major shareholder of Hang Seng Bank, and he is only the second shareholder; therefore, he is obliged to fully inform about the Hang Seng Bank.

"Real estate is currently in a low ebb, and I don't know when it will end. Although Hang Seng Bank will not reject loans from the real estate industry, it will carefully investigate the identity of the lender. Only those with good assets are eligible for loans."

"It's better to be cautious, we Everbright Bank don't dare to lend to the real estate industry now!"

Wu Guangyao's words are more or less a reminder, but for Hang Seng Bank, Wu Guangyao is quite at ease!

Although many real estate developers and real estate speculators can't afford to repay the bank's money this time, such cases are still very rare in Hang Seng Bank!

Come to think of it, Hang Seng Bank has very careful selection of borrowers from the very beginning!

While the two were talking, Secretary He Shanheng came in and whispered something in He Shanheng's ear.

"Yu Tong is here, see you together?"

Wu Guangyao nodded. He Shanheng and Zheng Yutong had a very close relationship. Cheng Yutong of later generations has the achievements of the four major families, which cannot be separated from the full support of Hang Seng Bank and He Shanheng.

Zheng Yutong walked into the office, and when he saw Wu Guangyao, he was taken aback for a moment, then immediately came to his senses and hurriedly greeted him.

After a while of greetings, He Shanheng opened his mouth and said to Zheng Yutong: "When the real estate speculators are dizzy, if you are a casual friend, you will make great achievements in the future! Guangyao is here today, and he doesn't want the management of Hang Seng Bank. So I can ask you Promise, Hang Seng Bank will try its best to support you."

Zheng Yutong immediately felt ashamed. He felt that Mr. He was very accurate in judging people. The people who came to see him were basically people who had been sponsored by Hang Seng Bank.

"Brother Zheng is righteous, I heard Brother He said that it is very valuable for you to give all the cash to Hang Seng Bank. After all, you are still a creditor of Hang Seng Bank." Wu Guangyao praised.

Zheng Yutong himself has a loan in Hang Seng Bank, and this time he also used his greatest cash to support Hang Seng Bank. Of course, it is only a few million Hong Kong dollars, which is a drop in the bucket.

"I'm really ashamed, I can't help Brother He!" Zheng Yutong said modestly.

The three chatted for a while, Wu Guangyao got up to say goodbye!