"It's still a little different. Xu Zhi said with a smile: "At that time, HSBC acquired 60% of the equity of Hang Seng Bank, and I like to be a sole proprietor, so I want to fully acquire Hang Lung Bank." ”

"If that's the case, then why do we still need to ask Xu Sheng for help?" Zhuang Qingquan, who had been sitting on the side, suddenly interjected.

"Of course it's different. Xu Zhi shook his head and smiled: "I took over Hang Lung Bank, then the problem of Hang Lung Bank has nothing to do with you, and the two of you can also start over with a sum of money."

If I don't take over, according to the current run on Hang Lung Bank, it is estimated that in less than a week, the funds will be completely dried up, and then the Hong Kong government will inevitably forcibly intervene.

In the banking industry, in good times, the cash flow is huge, and the bank with a market value of hundreds of millions of Hong Kong dollars can use up to billions of Hong Kong dollars, and its influence is much stronger than that of traditional industries.

But the risk is also very great, once there is a run, without foreign aid, a few days can go bankrupt, generally at this time, can only hope that other large banks to acquire, or the government to take over, bear the interests of other depositors, otherwise, the bank capital chain collapses, the loan can not be recovered in the short term, tens of thousands or even more depositors can not withdraw money, the consequences are unimaginable.

Once this kind of thing happens, in order to avoid a financial run and affect other banks, the Hong Kong government will inevitably take over the troubled bank, bear the losses for it, and appease the people, but for the bank, the cost is very large, the rights and interests of all shareholders of the bank will be cleared, and if there are really economic problems within the bank, the management or relevant personnel will be held criminally responsible.

If we can bring in the help of other banks or the super-rich before the situation gets worse, we can stop this from happening, as was the case with Standard Chartered a few months ago, but now it refuses to support it because of the new debt problem.

Similar to Standard Chartered, this kind of help is a kind cooperation, and the malicious thing is to take advantage of the opportunity to take a stake or even buy a problem bank, such as the Hang Seng Bank run crisis in the sixties, and the operation of HSBC is like this.

Obviously, the two Johnson students now share the same idea, believing that BEA is trying to take the opportunity to annex Hang Lung.

"Everyone is a Chinese-funded bank, and now we should compete with the British for the market, Xu Sheng is doing this at this time, isn't he afraid of being gossiped behind his back?" Zhuang Rongkun was not as excited as his brother Zhuang Qingquan, but asked calmly.

Xu Zhi smiled: "People who are a little famous in this world will always cause some people to be dissatisfied, how can I care about the opinions of these people?"

Zhuang Rongkun nodded and said, "It makes sense, then I don't know what price Xu Sheng is willing to pay?"

"Big brother, we really want to ......" Zhuang Qingquan was just about to say something, but was stopped by Zhuang Rongkun waving his hand.

Xu Zhi looked at the two people in front of him, smiled, raised his right index finger, and quoted his price: "100 million Hong Kong dollars!"

"What!100 million Hong Kong dollars?" Zhuang Qingquan couldn't believe his ears, and even Zhuang Rongkun, who was more stable next to him, felt that he must have heard it wrong.

Xu Zhi shrugged his shoulders, took a sip of herbal tea, and said: "Yes, it is 100 million Hong Kong dollars, and the two of you must sign an agreement with me, if there are still losses hidden from us and the government departments within Hang Lung Bank, then the two Johnson students must bear joint and several liability." ”

Although Hang Lung Bank currently has a book loss of close to HK$1 billion, these are not 100% unrecoverable dead debts, as long as it waits for a while, it can still recover at least half of the amount, and the rest is a real loss.

With the scale of Hang Lung Bank, the loss of hundreds of millions of yuan is actually not a big problem, but the biggest trouble is that the entire bank is currently run on by depositors, with the newspaper and TV reports in the past two days, more and more depositors come to withdraw money, for fear that all the deposits they have worked hard for a lifetime will be thrown into the sea.

This kind of run cannot be faced by a small bank, and the entire Xiangjiang can be said to be one of the few that can help Hang Lung, and Standard Chartered Bank has this ability and has helped Hang Lung, but it has been concealed a larger number of losses.

And this is the reason why no major bank is willing to take over Hang Lung, and no one knows whether there will be an invisible bomb that will suddenly explode one day in the future after the acquisition.

Zhuang Qingquan said: "Xu Sheng, 100 million Hong Kong dollars is still too little. ”

"Zhuang Sheng, now is the time to save your life, I'm afraid there is no point in discussing value!" Xu Zhi refused to give in at all, as long as he waited a few more days, Hang Lung Bank would inevitably be run out of cash and go bankrupt.

Zhuang Rongkun frowned, thought for a moment, and said: "I know Xu Sheng's intention to let us sign this agreement, but Hang Lung Bank has a large number of real estate mortgage projects in its hands, and according to the current downward trend of housing prices in Xiangjiang, these projects have caused losses to the bank, and it is impossible for us brothers to bear the responsibility for this situation!"

Xu Zhi nodded and said, "As long as Hang Lung Bank does not deliberately hide huge losses or hidden and huge amounts of dead debts, I will not pursue the losses under normal operation." ”

In the current real estate market, almost all banks will have bad debts in real estate, but the law of Xiangjiang is like that of the mainland in later generations, and the mortgage of real estate is actually infinitely responsible, that is, if a person mortgages the house, and then fails to repay the loan, then the bank will give priority to repaying the loan after auctioning his property, and the funds will be refunded and the deficiency will be compensated.

At present, housing prices in Xiangjiang are generally low, and even if they are auctioned, they may not be enough to repay the loans owed when the prices were at their highest, so the insufficient money still needs to be repaid by the borrower.

Therefore, even if Hang Lung Bank loses money in this regard, it is only temporary, and most of the owners can't run away, even if someone really forcibly breaks the contract and leaves, then the bank will take back the house, and after these few years, the future housing price can easily beat the peak of 81 years.

Zhuang Rongkun nodded and said: "Hang Lung Bank is not 100% controlled by my banker, although the other shareholders have never asked in terms of operation, but if I sell the shares in my hand, I also need to notify them." ”

"Of course. Xu Zhi said with a smile: "Then please tell them Zhuang Sheng for me, I can buy the shares in their hands at the same price." ”

Zhuang Rongkun promised: "Okay, I will definitely inform all of them." ”

Today's meeting can achieve such a result, which is already very successful, Xu Zhi stood up with a smile, shook hands and said, "Okay, then I'll wait for Zhuang Sheng's good news." ”

……