In 1944, when the Pacific War was coming to an end, in Thailand, three Chinese businessmen led by Chen Bicheng intended to establish a domestically registered bank, called Bangkok Bank.

On December 1, 1945, Bangkok Bank obtained a commercial banking license.

In 1952, the total assets of Bangkok Bank had reached 100 million baht, and by the end of 1960 it had increased to 880 million baht. In the same year, Bangkok Bank had more than 800 staff and 19 branches in China and 6 branches overseas, including two branches in Hong Kong and one each in Singapore, London, Kuala Lumpur and Tokyo.

In 1976, the number of overseas branches increased to 14.

According to the original development of history, the privately held Bangkok Bank, headquartered in Bangkok, Thailand, will surpass Krung Thai Bank, the largest state-owned bank in Thailand, to become Thailand's largest commercial bank, with total assets of US$51 billion.

and became the 7th most important regional bank in Southeast Asia!

And Bangkok Bank can grow to the height of the future, and the founder Chen Bicheng has made great contributions!

Under Chen's leadership, Bangkok Bank became the backbone of Thailand's economy. In 1983, the American magazine "Finance" listed Bangkok Bank as one of the top 12 commercial banks in the world. In 1984, Chen Bicheng was listed as one of the 12 richest people in the world.

Among the country's 16 Thai banks and 14 foreign banks, Bangkok Bank has the largest deposits, loans and total assets in the country. It accounts for more than one-third of Thailand's 30 banks combined.

According to the statistics of the 1985 issue of the island country's economic news agency "Asia is Leaping", his family wealth was estimated at 2.2 billion US dollars, ranking first among the top ten richest people in Asia at that time. In 1983, the American monthly magazine "Finance" announced that among the 12 richest bankers in the world, Chen Bicheng was on the list. He was selected as the Outstanding Banker of the Year in 1982 by Asia, a popular financial and banking magazine around the world.

All this is inseparable from his principles of life and work.

His employment method of "employing people without suspicion and suspicion" has made the employees of Bangkok Bank actively work hard and are willing to sweat for the company.

Every entrepreneur has his own way of doing business, and Chen Bicheng's business philosophy is different. "Starting a bank is about doing business, not just financial business," he said. When I judge whether a business is feasible or not, I only look at the customer himself, his past and his family situation. ”

Therefore, in Southeast Asian countries, many wealthy people have received the support of Bangkok Bank at the beginning of their careers, and this kind of behavior in the snow has won the friendship of major tycoons for Bangkok Bank, and the wealthy people from all over the country are willing to have business dealings with Bangkok Bank, and they all rely on Bangkok Bank for working capital.

This virtuous cycle has made Bangkok Bank snowball.

It's a pity that just last year, Chen Bicheng passed the position of president of Bangkok Bank to Huang Wenbo, an old employee, for personal reasons, and he himself retreated into the background.

Of course, he can rest assured that he can retreat into the background, firstly, because of his physical reasons, secondly, because in Thailand, the foundation of Bangkok Bank has been established and he sits firmly in the hegemonic position; third, the third reason is the most important, that is, the most outstanding of his sons, Chen Youhan, the second son who has won his skills, has entered the board of directors of Bangkok Bank and served as vice president, and after a few years of training, he will succeed Huang Wenbo and become the president of Bangkok Bank, and Huang Wenbo is just a transition.

Although Chen Bicheng retreated into the background, Bangkok Bank is still developing according to his will.

Because Bangkok Bank has established a strong foundation in Thailand, overseas expansion has become the bank's primary goal.

In Southeast Asia, the economic and financial center is the first to be recommended, followed by Singapore.

For this reason, Chen Bicheng sent his eldest son, Chen Youqing, to Xiangjiang to take care of the Xiangjiang Commercial Bank he opened.

Heung Kong Commercial Bank, in fact, Bangkok Bank has a part of the shares, it can be said that it is a branch of Bangkok Bank, and it continues the purpose of Bangkok Bank in Xiangjiang, trying its best to help Chinese businessmen and let them develop better.

Adhering to his father's way of doing business, Chen Youqing is also very peaceful and kind to others, so even in Xiangjiang, which has more than 300 branches of banks and financial institutions and has great competitive pressure, Xiangjiang Commercial Bank can still operate well.

Not long ago, in order to build the Sing Tao News Agency and operate the company, Hu Xian borrowed 10 million Hong Kong dollars from the Heung Kong Commercial Bank, and Chen Youqing personally agreed to lend this money at that time.

At that time, although "Sing Tao Daily" was impacted by "Fengyun Daily", a series of explosive development of manipulating public opinion after "Fengyun Daily" had not yet occurred, so Chen Youqing believed that Sing Tao News Group still had the strength to fight.

Moreover, the purpose of Hu Xian's loan is to build the Sing Tao News Agency, as long as it is built, even if there is pressure from Jiuding Newspaper Company, it will be able to protect itself.

It's just that what he didn't expect was that the development behind was completely beyond his expectations, Jiuding Newspaper Company made a big acquisition and growth, but Sing Tao News Group made a stupid move, the gap was already huge, and now the gap is further widening, and Sing Tao News Group is in danger.

In this way, the loan he gave was in danger.

It was about a loan of 10 million Hong Kong dollars, and Chen Youqing had to pay attention to it, so he specially sent someone to investigate and analyze.

In the office of the president of the Heung Kong Commercial Bank, Chen Youqing, 46, is frowning slightly as he reads through the analysis and investigation report handed in by his subordinates.

After a long time, he gently put down the analysis and investigation report, and said to himself with some sighs: "It's difficult, now the value of Sing Tao News Group has shrunk significantly, and with the passage of time, there is a 90% chance that it will shrink further." ”

Thinking of the loan he gave out, Chen Youqing was a little helpless, and he looked away!

At that time, when Sing Tao News Group came to take out a loan, Chen Youqing gave Sing Tao News Group a valuation of 50 million Hong Kong dollars, but he gave Hu Xian an eight-tier loan treatment, and Hu Xian borrowed 10 million Hong Kong dollars and mortgaged 25% of the shares of Sing Tao News Group.

But now, before Jiuding Newspaper Company is about to launch a siege, in the past month, the sales of "Sing Tao Daily" have fallen by more than 100,000 copies, and the value of Sing Tao News Group has shrunk to less than 40 million Hong Kong dollars.

In other words, Hu Xian's 25% stake in his bank is worth less than 10 million Hong Kong dollars, and even if it does not count interest, it has already incurred a loss.

Moreover, anyone with a discerning eye can see that with the completion of the rectification of the four newspapers acquired by Jiuding Newspaper Company, the entire Sing Tao News Group will be affected in all aspects, and the sales of the two newspapers will be further reduced.

His losses will be even greater.

So the best way now is to withdraw the loan and stop loss, or let Hu Xian sign a new loan agreement and increase the pledged shares.

"President, or we ......"

The manager standing in front of Chen Youqing spoke.

But as soon as he spoke, Chen Youqing knew what he wanted to say, shook his head and interrupted: "Don't do this for the time being, things haven't reached the point of no return, if we do this now, we will fall into the ground, and our reputation will be affected." ”

The manager nodded silently, and then asked, "Then president, what to do next, please instruct." ”

Chen Youqing pondered for a moment, and then slowly spoke: "After all, the value of Sing Tao News Group is still more than the amount of our loan, and Hu Xian is a woman, let's not push it too hard, let's take a look first." ”

"I'm afraid that Sing Tao News Group has also borrowed money from other banks before, and now we don't know what the total loan amount is, even if we don't take action, other banks will do ......."

The manager couldn't help but say.

Of course, Chen Youqing took this into account, but what he valued more was the reputation accumulated over decades, and now it was only a loss, not to the extent that he could collect debts, so he shook his head and said: "We won't come out of this matter, let's observe it for another month or two, unless it reaches the point of no return, but you also have to send someone to pay attention, go." ”

"Okay!"

The manager nodded in response, then slowly exited the president's office.

After his subordinates withdrew, Chen Youqing looked back at the plaque engraved with the words "Be kind to others" hanging on the wall, and once again strengthened his approach.

"Good luck and hope other banks don't force you to ......"

After a long time, Chen Youqing muttered to himself, and then stopped thinking about it and threw himself into his work.