Huang Bingxin knows Hong Kong's banking industry well, and he only listens to him, "The development of Hong Kong's banking industry is mainly due to the fact that in recent decades, especially since the 50s, Hong Kong has undergone two major economic transformations and the rise of labor-intensive industries; second, in the last seven or eight years, while labor-intensive industries have moved north to the mainland, the rise of high value-added service industries such as finance, shipping, and trade. Pen Fun Pavilion wWw. ｂiquge。 infoBoth economic transformations have created a huge demand for capital over a long period of time, which has brought significant opportunities for the development of Hong Kong's banking industry. Everyone describes the prosperity of Hong Kong's banking industry: there are more banks than rice shops. ”

Li He said, "I know this, there is a bank less than a few hundred meters away from this street, and there are so many of them." ”

"In 1978, the Hong Kong government relaxed banking licensing restrictions, which led to an influx of foreign banks, including many overseas Chinese-funded banks in Southeast Asia, and the abolition of interest taxes on foreign currency deposits in 1982 brought a large amount of international capital back to Hong Kong. Today, it is no exaggeration to say that Hong Kong is already an international financial center in the Asia-Pacific region. However, as competition in Hong Kong's banking sector continues to intensify, most of them have been acquired or merged by major foreign and domestic banks, or are on the verge of death. ”

The formation of Hong Kong as an international financial centre is, first and foremost, a natural process of development. In the 60s, Hong Kong became an important entrepot trade center in the Asia-Pacific region, and the scale of international transactions carried out through Hong Kong continued to expand, and the resulting trade funds and remittances from overseas Chinese constituted an important source of capital for Hong Kong. In the 70s, Hong Kong gradually developed into an offshore financial centre on the basis of becoming an important syndicated loan centre.

"These banks aren't small, aren't they?"

In Li He's concept, there is no tens of billions of people who are embarrassed to tell people that they are bank owners.

Wong continued, "In September 1982, Margaret Thatcher went to the mainland to negotiate, there was a run on the Chinese-owned Hang Lung Bank in Hong Kong, and in 83 Hang Lung was finally taken over by the government, and the Hong Kong government injected HK$1.7 billion from the Exchange Fund to save Hang Lung, aiming to prevent the crisis from expanding. In early 1983, the "Hong Kong dollar crisis" broke out, rumors spread in the market that the Hong Kong dollar would be replaced by the renminbi, the Hong Kong dollar plummeted, people sold the Hong Kong dollar, seven deposit-taking companies collapsed, including the wealthy Sun Hung Kai Bank. So far, almost all Chinese-funded banks registered in Hong Kong have been wiped out. Of the 27 Chinese-funded banks, they either changed banners or accepted shares from large foreign banks, leaving only three or four of them, including Wing Lung, to remain completely independent. Wing Lung Bank is owned by the Ng Yee Sun family and has a consistent and stable style. While Chinese banks have fallen one after another, Wing Lung has become more cautious and has maintained its loan-to-deposit ratio below 40%. Low risk, small profit. In this regard, it is destined that Yonglong will not become a big climate. ”

Li He had to take a high look at Huang Bingxin, such an ordinary account manager can actually be a treasure of the banking industry, it seems that he is indeed a person with a good heart, he was originally because there was no one in his hand, he wanted to dig it up and make do with it, but now it seems that he has picked it up.

"Which bank do you want me to buy?"

"Kangnian Bank!" Huang Bingxin said very eagerly, "Mr. Li, I don't think the opportunity will come again, if you buy Kangnian Bank, it will be like a tiger for you." Kang Nian, controlled by the Taishan-born Li Bingchao family, is a very small company with only four branches, and is currently unable to repay a shipping loan of up to HK$160 million, resulting in serious bad debts. Kang Nian had to write down his debts significantly, reducing his paid-up capital and reserves from HK$260 million to HK$130 million. Kangnian lost HK$97 million, causing the small bank to face a catastrophe. A few days ago, the Hong Kong government announced that it would take over the Bank of Kangnian, and that it would use the Exchange Fund, and Standard Chartered Bank would assist the Commissioner of the Banking Regulatory Commission in managing Kangnian. A number of banks are interested in acquiring Kangnian, but the price has not been agreed. ”

"A bad debt can go bankrupt?"

This bank is a little unbelievable that Li He can go bankrupt with a loss of one or two hundred million, which is simply weak.

"There are a lot of small banks like this in Hong Kong, and the most valuable thing in Kang Nian is not bank assets, but banking licenses! Mr. Li, if you miss this opportunity, you will encounter it again in the future. With your current financial resources, there is no problem at all in winning Kang Nian. ”

Li He was a little moved, "How much do you estimate it will cost?"

Whether this will be very trendy to play, he is actually a little looking forward to it.

"As long as 300 million Hong Kong dollars are injected into Kang Nian, its negative equity value can be restored to a positive value, Mr. Li, we can take out this money. ”

Huang Bingxin looked at Li He with bright eyes.

"If you don't wait until October, don't say buy one, the money to buy ten is enough. Li He still doesn't want to squeeze too much money for the time being. At the critical moment, he found out that the money was used when it was needed.

Huang Bingxin was anxious, "Mr. Li, as far as I know, the Lin family's First Pacific Industrial, the Chinese-funded company in Shenzhen, and the local company in Hong Kong are all eyeing each other. Don't talk about other families, let's talk about Lin first, Lin Shaoliang is the richest man in Indonesia, and Lin Shaoliang is at least in the top ten on the list of the world's richest Chinese. If he targets us, we won't have a chance at all. The so-called first strike is stronger, we must hurry up. ”

Li He lit a cigarette, gritted his teeth and said, "You prepare a feasibility report, if you can, we will buy it." ”

Maybe there is really only one chance, and the opportunity is earned by one's own efforts, rather than the opportunity that will smash him when he stands in one place. If he's lucky, the opportunity really hits him, and he doesn't cherish it. The opportunity is gone, and there is indeed a next time.

"Mr. Li, don't worry, I'll bring you the report in the evening. ”

Li He said, "Don't be in such a hurry. ”

"Mr. Li, then I'll go first. Huang Bingxin didn't care about Li He's acquisition without hesitation, and he was even more eager than Li He.

After greeting a few people in the room, he turned and left.

Shen Daoru said, "Mr. Li, I think this is really an opportunity for us. ”

If you want to acquire, it must be in the name of Yuanda, and it will be him who will benefit at that time. Of course, he also hopes that Li He will buy it, even if the bank manager is not him, but at least the names of many bank directors on his business card are completely different in terms of social status.

"Do you think it's feasible?"

Shen Daoru is a conservative in Li He's eyes, and when did he become so radical.

"Mr. Li, the acquisition of a bank in Hong Kong is not big news, and it is nothing new. “

Shen Daoru knew that the news in the mainland was blocked, and he thought that it was normal for Li He not to know about this.