Chapter 1029 also returned to the Hong Kong capital market

Liu Tianci explained the general situation: "According to Chen Qingsong's personal statement, he wants to get the support of our bank and take out a loan to purchase a piece of land on the right side of the Miramar Hotel for the development of commercial real estate. ”

"As soon as he opened his mouth, he borrowed 500 million Hong Kong dollars, and he used a combination of Jianing Group's stock and property mortgage......

"I didn't promise him. ”

Xia Yu showed an inexplicable smile and bowed slightly: "It's right not to promise him." ”

Thinking of the situation of Jianing Group, Xia Yu's heart moved, and he asked: "Did our bank have any loan business dealings with Jianing Group before?"

Liu Tianci shook his head decisively: "Never, Chen Qingsong has been to our bank many times before, but I always feel that Jianing Group is wrong, the risk is too great, and it is impossible for me to lend him money." ”

"Chen Qingsong seemed to be aware of my attitude before, so he hadn't been to our bank for almost a year, and this time he came to visit again, in fact, I was also very surprised. ”

"However, when he talked to me just now, he also took out a contract for a loan of 200 million Hong Kong dollars between Jianing Group and HSBC, and the loan terms were very lenient, and the stock pledge rate reached 50%, and he seemed to want to use this contract to prove the credibility of Jianing Group, dispel my concerns, and persuade me to lend to him. ”

Xia Yu chuckled and shook his head, and said with a smile: "It's okay if you don't lend, Chen Qingsong is a master of playing capital, but he is going down a crooked path, and now he is looking for us, which proves that he can't withstand the pressure, and those small banks can't give him enough support... ”

"If we give him a loan, he will turn around and borrow from other banks just like he just took the loan contract of HSBC as a card, and the time bomb of Jianing Group can last for a year or two, and if we kick him, Jianing Group will explode immediately." ”

Liu Tianci was shocked, he heard the deep meaning of Chairman Xia Yu's words, and he secretly said that Jianing Group really had a big problem, but also aroused curiosity about Jianing Group.

He asked curiously: "Chairman, do you know Chen Qingsong and Jianing Group very well, and what are the big problems here?"

He also learned about the situation of Jianing Group when Chen Qingsong came to apply for a loan before, but this time is different from the past, especially the rapid growth rate of Jianing Group, and it is normal for him not to know very well.

He doesn't know much, that is, now Jianing Group is one of the large listed groups in Xiangjiang, and there seem to be fifty or sixty companies under it, and Chen Qingsong has become one of the top figures in Xiangjiang.

Xia Yu smiled faintly and said softly: "Question? This is a big question, Chen Qingsong deceived the entire Xiangjiang from top to bottom. ”

Hearing the deception, Liu Tianci's expression became solemn, and he quietly looked at the director Xiang Xia Yu, waiting for the following.

Xia Yu took a sip of tea and said: "Chen Qingsong is a native of Xingcheng, he relied on the support of the Zhong family to obtain the first pot of gold, and established Jianing Group at the end of 1977, which started two months earlier than me, and the registered capital was only five million Hong Kong dollars at that time......"

"But Chen Qingsong is very thorough about people's greed, and he is also very proficient in capital operation, through a series of actions, he has created an image of Jianing Group with an extremely strong background and unlimited capital in the minds of the whole Hong Kong people, and it happens that the Hong Kong government has opened up the banking industry, issuing dozens of banking licenses a year, and promoting the birth of dozens of banks, which are rushing to send money to Jianing Group, so that Jianing Group is crazy about mergers and acquisitions......"

"Jianing Group only went public in March last year, but last month, you watched, and acquired the listed company Qichang Insurance, increasing the number of listed companies to three ......."

"Up to now, there are at least 70 companies under the entire Jianing Group, and the combined value of listed and unlisted companies has reached nearly 10 billion, although it is not as good as the rectification of the Swire Consortium, but it has surpassed the core pillar of the Swire Pacific Group......

"If you think about it, it took more than three years from the establishment of the company, and an average of more than 20 companies were acquired in a year, creating a diversified enterprise group of such a large scale. ”

"If it weren't for the fact that I've been holding him in the limelight, he would have been mythologized a long time ago. ”

"The original four major British consortia, with the support of Standard Chartered Bank and HSBC, as well as the support of the Hong Kong government, still fit the 1973 stock market crash before it completely expanded, and I have my own banks and securities companies, which can make money from the capital market. ”

"What about him, how could he catch up with the Swire Consortium in just over three years?"

Liu Tianci nodded thoughtfully, it was because he didn't know where the funds came from for Jianing Group, so he would not approve Chen Qingsong when he came to take out a loan a year or two ago.

Chairman Xia Yu's ability, he personally witnessed, Jiuding Securities Company is also a dragon in the capital market, but he didn't see Chen Qingsong anything, it all relied on people, and it was his vague background.

"Chairman, then Chen Qingsong's funds are actually borrowed from various banks?"

Xia Yu shook his head slightly, and when Liu Tianci was puzzled, he continued: "It's not all, more than half of it is borrowed from various banks at high interest rates, and the rest is defrauded by him from U-Ming Finance." ”

Liu Tianci was stunned for a moment, and then blurted out: "Is it the U-Ming Finance, a subsidiary of U-Ming Bank in Malaysia, or is it a fraud?"

"It's an economic crime!"

"Could it be that the entire top management of U-Ming Min's finance has been bribed by him?"

Xia Yu bowed slightly: "If nothing else, all the senior financial executives of U-Ming Marine Education have been bought by him and joined forces to deceive U-Ming Bank." ”

"This ......"

Liu Tianci was speechless for a moment, he didn't know what to say, he was silent for a long time, he could only smile bitterly and shake his head.

When Chairman Xia Yu said this, many doubts in his mind were all eliminated.

Jianing Group has overseas funds behind it, but it is not as outrageous as the rumors, what European and American conglomerates, what royal families.

U-Ming Ming Finance also has the strength to support the development of Jianing Group into a large company, coupled with Chen Qingsong himself pit other banks everywhere, it is reasonable for Jianing Group to develop to this extent.

For U-Ming Bank, Liu Tianci knows.

This bank established by the Malaysian government is actually a bank specially established by the Malaysian government for the Malay ethnic group, and is used to fight against foreign banks and Chinese-funded banks in the country.

U-Ming Marine Finance is an institution specially established by U-Ming Bank in Heungjiang to face customers in Heungjiang and spread the influence of U-Ming Bank.

The reason why it is U-Ming Finance instead of Xiangjiang Yumin Bank is because the Hong Kong government does not give it a banking license, even if the Hong Kong government issued dozens of banking licenses in one breath the year before last, it is not to give it, and U-Ming Finance can only exist in the form of a financial company that can absorb savings.

After calming down a little, many thoughts popped up in Liu Tianci's mind.

"Chairman, according to what you said, combined with the actual situation of Jianing Group, then this stock market crash, the risk of Jianing Group's capital chain breaking is extremely great, should this bubble burst it?"

When he asked this sentence, Liu Tianci's expression was very solemn.

Because he knows that the consequences that may result from the myth of Jianing Group will further amplify the impact of the stock market crash.

Not to mention anything else, Jianing Group asked HSBC, Standard Chartered Bank, Jiuding Bank and other large banks to borrow money, and the borrowers were all those small and medium-sized banks.

According to the current value of nearly 10 billion Hong Kong dollars, even if more than half of them rely on U-Ming Min's finances, Jianing Group still owes 4 or 5 billion Hong Kong dollars to other banks in Xiangjiang, and the assets of many small banks are estimated to be hundreds of millions of Hong Kong dollars.

Although these banks are small banks and their influence is not great, they can't help but have a large number, and when the number is too large, quantitative changes cause qualitative changes, and their influence will naturally go up.

As soon as the chain reaction comes, all banks in Hong Kong will definitely not be spared, and all of them will fall into a run on the storm, which will have a big impact.

A scene where the contact is not good, and the mourning will appear.

If it is pushed hard according to the plan formulated by the chairman, the impact will be no less than the stock market crash in 1973......

Seeing the hesitation on Liu Tianci's face, Xia Yu knew his worries and concerns.

Although a lot of bad things would happen at that time, he still decided to do it.

The bubble is already here, and the risk of a stock market crash is about to erupt, the difference is only that others artificially push forward and amplify.

It's not broken, it's not standing.

Any earth-shaking innovation comes at a price.

Now that he has a plan for the future of Xiangjiang, he will simply tear down all the frameworks that have been established and start over, and as long as the foundation is still there, he will have the confidence to build his favorite "house".

Therefore, Xia Yu looked indifferent and said resolutely: "Of course you have to poke him, the greater the impact, the better!"

"Sweep away all the dirt and return the capital market of Xiangjiang to a bright future!"