At 4 o'clock in the afternoon of September 15, 1977, this is the closing summary day of every bank in Hong Kong in half a month. But just today, the amount of US dollars remitted into the account of Heiyun Games Company shocked HSBC employees who had seen the big scene. What the hell did the black cloud company do?

In fact, they can't be blamed, in the eyes of the people of Hong Kong in this era, the most profitable businesses are none other than real estate, banking, shipping and retail, and even the jewelry industry seems to be so-so. Other industries have no advantages in Xiangjiang, although the garment industry has also passed, but it is hard money, and the profit is not high.

But I didn't expect a small game company to have such a big turnover these days. In the past half of this month, all of Heiyun's customers have remitted a total of $180 million to the company's account, mainly thanks to Phil Hawkins, this guy agreed to remit the full amount of the order in order to get the agency, and his company alone remitted $90 million, not counting the $13 million he paid for machinery.

The matter of the Black Cloud Company directly alarmed the general manager of HSBC, Pu Weishi. Mo Keyuan reported to Pu Weishi at the company's meeting the changes in Heiyun's account amount in the past half month.

Originally, Shen Bi, the senior class of HSBC, was supposed to preside over the meeting, but Shen Bi was in London during this time, so Pu Weishi presided over the meeting.

Pu Weishi: "Manager Mo, is there a mistake, why is there such a big change in the account of Heiyun Game Company in only half a month!"

Mo Keyuan: "We have doubled three times, and we have already faxed and called the bank where we sent the money. ”

Pu Weishi: "So it's not easy to say that this game company is not simple!"

Mo Keyuan: "It's just us here, I heard that there are also large sums of dollars remitted from the account of Standard Chartered Bank's Black Cloud. "Bao Zixuan knows that eggs can't be put in one basket. Although some things in the banking industry are interoperable, they also have a competitive relationship, which makes everyone know that Heiyun Company may have a large amount of deposits in the other party's bank account, but the bank's principle of confidentiality to customers is impossible for the opponent to know the specific amount on the customer's account. Otherwise, if the customer information is leaked through your own bank, then you will be very passive, and it is likely to cause the customer to be closed, and in serious cases, it will bring a large-scale run. You can't keep it a secret from me, so why should I trust you!

Pweis: "Do they have a big spending?" ”

Mo Keyuan: "The expenditure is very large, in addition to the purchase of components, their biggest expenditure is the purchase of equipment and the construction of factories. I sent someone to investigate, and the builders who built the factories for them basically worked in two shifts, probably because they were very quick to settle the payments! I tried to get them a loan several times, but their boss is currently studying in the United States! So it didn't work out. ”

Pwis Povis said: "I remember you didn't say that he was an alumnus of our Oxford! ”

Mo Keyuan: "I consulted with their vice president, Ms. Zhao Tingting, about this. Bao Zixuan is the only student in Xiangjiang who was directly admitted to the exchange students of Oxford University and the Massachusetts Institute of Technology from Xiangjiang. So he still has to complete two years of school at MIT. And a branch was established in the United States. We learned that they were mainly sending money to major game agencies in the United States, and they sent us $90 million from Citibank in New York alone. ”

In fact, this information was deliberately leaked by Bao Zixuan to Zhao Tingting, that is, to make people regard it as an immortal genius, because only in this way will others not doubt your research results.

Pu Weishi: "Okay, I'll report to him when Taipan comes back!" Pay close attention to Black Cloud Gaming Company, we will meet their requirements as soon as possible. I heard that the boss of Heiyun Company entrusted us to acquire shares, and Manager Yuan is responsible for this matter!"

Yuan Tianfan was also shocked when he heard this, but he didn't expect that this young man, who had only met him once and had not asked about the stock acquisition, took out 10 million US dollars to drive the acquisition of 200 million Hong Kong dollars, and the young boss who had no follow-up was not pretending to be calm. But they have never been afraid of the risk of liquidation, and their own money is completely sufficient.

Yuan Tianfan: "Yes, he took out $10 million and entrusted us to use 4x leverage to buy Wharf's shares, and has now achieved 55% of the target." ”

Pu Weishi: "This boss can also have a vision in finance! Handle the matters entrusted by Heiyun Company well, and this time we want to let the other party know that we HSBC is the best choice for cooperation in Xiangjiang." It would be a gross dereliction of duty for Standard Chartered to take such a large customer away from us. I hope you will keep in mind that you are all senior executives of the bank, and everyone understands the principle of customer confidentiality, and we hope that the leakage of customer information will not appear with us. ”

This young man was able to earn so much money and still finish the rest of his studies on campus, and he seemed to be a person who wanted to keep a low profile, and since he didn't want to attract too much attention, we were obliged to keep it a secret for our customers.

When HSBC was in a meeting, Standard Chartered Bank was also holding a semi-monthly meeting in the conference room. The meeting was moderated by Bauhaus Sanderson, Head of Asia at Standard Chartered Bank. Each department reported to him the main content of the work of its own department, and there was nothing outstanding about it. After all, in Hong Kong, HSBC and Hang Seng Bank are much larger than Standard Chartered Bank. Although they have the right to mint money, most of them print small denominations because they only have a 30% share.

But when Huang Zefa, the manager of the deposit department, reported, everyone felt that the dollar deposits had increased so much all of a sudden.

Bauhaus-Sanderson is only 34 years old and has the ability to do so, but many believe that he can stand out and become the head of Standard Chartered's most profitable region, Asia, more because the Sanderson family is the largest shareholder of Standard Chartered. He is not the kind of rich second generation who cheats his father, and he is also a person who wants to prove to his family and doubts that he will not only rely on his ancestors to cover the shadows. This position was obtained by his own ability, let his brothers and sisters see, I, Bauhaus Sanderson, is the most suitable successor to Standard Chartered.

Bauhaus Sanderson graduated from Oxford University with a degree in economics and worked his way up from a stock trader to his current position at Standard Chartered Bank in the UK, and only he knows how much he suffered to make his grandfather value him. This is the main reason why he was able to beat many of his competitors and become the loser in the Asian division. Because he was the most hard-working and capable of the third generation of their family, he was not a little better than his siblings, at least on the surface.

Bauhaus Sanderson: "Manager Huang, why did you make a mistake with an extra $80 million in deposits, or who laundered money through our bank?" ”

Huang Zefa: "Mr. Sanderson, I checked carefully 4 times, and the increase of $80 million came from Black Cloud Games, which was just opened at the end of last month in our bank, and at first everyone didn't care about it, just treated it as an ordinary customer, but in the past few days, their company account has remitted $80 million. These are all major well-known foreign banks on behalf of foreign remittance payments, and there are no illegal transactions and money laundering. ”

Bauhaus Sanderson: "That's good, this company is our big customer, we have to serve it well, don't let HSBC know their information." ”

Huang Zefa: "Mr. Sanderson, I'm afraid this is also what HSBC is worried about, because through HSBC's attitude towards them, the US dollars in HSBC accounts may be 2 times or even several times that of us. Their main account is HSBC, and we're just a sub-account here. And he has never touched our money, and all payments are handled by HSBC on his behalf. ”

At this time, everyone was shocked, they didn't expect a small game company to be so profitable.

Bauhaus Sanderson: "Okay, then let's see what the other side needs, and we can take their payment business over." I don't want large amounts of currency conversion rates and fees to go into HSBC's pocket. Since their main business is overseas, this is where we have an advantage over HSBC. Find an opportunity to arrange for me to meet with the owner of this company. ”

Huang Zefa: "Okay, but we may not be able to meet in the short term." After completing two years at Oxford University, the owner is now completing the rest of his studies at the Massachusetts Institute of Technology in the United States. There is no plan to return to Xiangjiang in the short term, I found out through Ms. Zhao Tingting, the vice president of their company, and I have made such a request to him before. ”

Bauhaus Sanderson: "It's an Oxford alumnus!

After explaining everyone's work, Bauhaus Sanderson began to ask his classmates in Oxford, some of whom remained at the school to teach, about Bao Zixuan.

Bao Zixuan didn't expect that his madness in the United States this time had already established a reputation in the Xiangjiang banking industry.