Xiangjiang, Yongxiang Bank VIP Lounge.

"Ms. Annie, this is Mr. Li Yaoyang, Chief Executive of HSBC Greater China. After Liang Baiheng guided a middle-aged man in, he opened his mouth and introduced.

The person who came was not tall, about 1.7 meters, with slightly sparse hair and black-rimmed glasses, which looked a bit like a professor at first glance.

"Welcome to Yongxiang, please!" Liu Ruoyi stood up and gestured slightly.

A year ago, she didn't necessarily be able to meet this great god if she wanted to.

But today, as the top monster in the financial circle of Hong Kong, the big boss of HSBC Asia has to come to worship her mountain.

Because, just yesterday, Xinglong Bank has confirmed that Yongxiang Bank is the main strategic partner, which means that the foreign iron triangle of Hang Seng Bank + IFC + GIC has lost its dominance.

And HSBC is the controlling parent company of Hang Seng Bank!

Not only the strategic investment project of Xinglong Bank, a few days ago ICBC Investment came to the news that the underwriting plan of Zhongping Insurance was basically determined internally, and there was a high probability that ICBC Investment and Yongxiang Securities would be the lead underwriters!

In other words, this year's two major events in the financial industry, Yongxiang Bank will become the big winner.

Once the news is announced, I'm afraid HSBC will lose face this year.

Xinglong Bank is a forward income, and it is just a matter of losing the investment, but the big guy of Zhongping Insurance, the listing fee is quite expensive, and one project is worth more than a dozen other projects.

HSBC really can't afford to lose this project, Li Yaoyang knows that if this project has nothing to do with HSBC, his position as president will basically enter the countdown!

Because HSBC is still one of the major shareholders of Zhongping Insurance, so they still throw away the fat in their mouths, who can stand the major shareholders of HSBC? !

So Li Yaoyang came.

Very politely sat in the reception room of this small bank that I wouldn't have looked at a year ago.

"Miss Annie is really a heroine among women, she was born with a lot of tricks and a lot of harvest. After a few words of greeting, Li Yaoyang stopped talking nonsense, first complimented him, and then cut to the point.

"However, the Xiangjiang financial market has always had a tacit understanding, and Yongxiang's reduction of commissions to disrupt the market this time does not seem to be a long-term solution. ”

Despite being a door-to-door request, Li Yaoyang does not want to appear too vulnerable, and HSBC is still the top investment bank in Hong Kong and even in Asia.

"Mr. Li has something to say in this, so you might as well say it directly. Liu Ruoyi took a long time, and didn't seem to have any reaction to Li Yaoyang's words.

In order to win the big order of the H-share listing of Zhongping Insurance, Liang Baiheng directly reduced the underwriting commission to the level of 1.5 percent, which is far lower than the conventional level of 2.5 percent to 3.5 percent in the market.

But so what?

Yongxiang is not short of money now, and the underwritten funds do not need to be short-term financing from HSBC, so HSBC was shocked to find that there is no means to restrain Yongxiang's troubles.

"Miss Annie, then I'll just say it, now ICBC has left aside our cooperation between HSBC and Yongxiang, and we think about this, but in the underwriting section, I hope that Miss Annie will raise her noble hand and be able to get a piece of the pie to HSBC, so that HSBC will also become one of the underwriters of Zhongping Insurance's listing. ”

Li Yaoyang said his demands today.

"What benefits can HSBC give us Yongxiang?" asked Liu Ruoyi, staring at Li Yaoyang.

Before the meeting, Liang Baiheng had already analyzed Li Yaoyang's predicament, and naturally knew it in his heart, so he bluntly asked for the exchange of interests.

Li Yaoyang's face changed, but he was helpless, before he came, he knew that he would not pass the test easily, and he couldn't get the gist after talking with Liang Baiheng for a long time, so he proposed to talk to Liu Ruoyi once.

I know that there is no rabbit and no eagle here.

And that's the case now, and it's not a secret at all.

It's like eating him.

In fact, Li Yaoyang was really eaten to death by Liu Ruoyi.

"If Yongxiang cooperates with HSBC, I think in Asia, HSBC will be happy to share branches with Yongxiang to facilitate the use of customer funds from both banks. ”

Li Yaoyang gritted his teeth and offered his own price.

Yongxiang Bank has opened a new financing plan, isn't it to expand the market space?

Now what can impress Yongxiang Bank, in addition to opening HSBC's huge outlets in Asia to Yongxiang Bank, Li Yaoyang can't think of anything else that can impress Liu Ruoyi, a little fox, and Liang Baiheng, an old fox.

Sure enough, as soon as his conditions came out, Liu Ruoyi immediately said with a smile:

Thank you, Mr. Li, Mr. Li and I empathize with Mr. Li's sincerity in cooperating with Yongxiang Bank. ”

"Of course, as a friendly partner, all branches of Yongxiang Bank are also open to HSBC, and the two sides do not charge each other the corresponding usage fee. ”

What Yongxiang Bank lacks now is time to develop outlets, of course, even if it has time, Yongxiang Bank will not set up as many outlets in Asia as HSBC, at most it is quite scary to have them in Asia's first-tier cities.

No matter how rich you are, there is not much direct economic benefit from the laying of this outlet, so the best thing is to borrow other people's channel outlets.

HSBC is a great partner to work with, with a rival that has been in business for more than 100 years, with a deep foundation and a number of outlets that no other bank in Hong Kong can match.

Unexpectedly, by taking this opportunity, they actually got the right to use their channel outlets, which is a divine help for Yongxiang Bank to open up high-end users.

Because only high-end users have so many opportunities to travel around Asia, the opening of HSBC outlets means that Wincheg Bank's credit or debit cards can be used at HSBC outlets in the same way as HSBC's bank cards.

"Thanks to Mr. Li's trust in Wing Cheung Bank, we believe that the two companies will work together to provide better services to customers in the future, and bring our sincere services to every customer. Liang Baiheng also added with some excitement.

"In the case of Zhongping Insurance, we will persuade our partners to work together with HSBC. I believe that we will have a very good foundation for cooperation in the future. ”

Looking at the two hypocritical guys in front of him, Li Yaoyang couldn't hate it at all.

There's no way, the situation is forcing people to go, and I really can't afford to lose. Although the opening of the branch does not seem to have any financial loss on HSBC's books.

In fact, Li Yaoyang knows that as soon as this opening is opened, Yongxiang Bank's banking business has grown by leaps and bounds, and he basically has not run, and he does not dare to imagine how many customers HSBC will lose in the future.

Anyway, if he can't get over it in front of him, he won't have next year at all, and this kind of boiled frog-like shareholder can't see the mystery, maybe he will get through the risk.

Liang Baiheng, who got the gift package, was still quite generous, and the three quickly reached an agreement of 433, because they first gave the underwriting commitment, Yongxiang got 4% of the benefits, and then in the underwriting amount, Yongxiang and HSBC are five or five open.

It is equivalent to here, Liang Baiheng passed on half of the risk, but the benefits were only 10% less than the ICBC family.

However, ICBC was interested in knowing that Yongxiang had taken care of HSBC, and Ma Zhiyuan was very relieved to take 30%, because he knew very well that after HSBC came in, Yongxiang might lose him and eat HSBC in one bite.

The shopping mall is like a battlefield, and it is true that his old horse and Lao Liang have a cooperative relationship, but before the agreement is signed, everything changes.

Fortunately, Liang Baihengzhi is not on this list, and there are more opportunities for cooperation with ICBC in the future, so he is very committed to his promise, so that ICBC can get 30% of the benefits without advancing a penny of underwriting.

Although this plan is not happy for everyone, it can be explained in all aspects.

Li Yaoyang turned the tide and re-entered the market in this almost failed Zhongping Insurance listing project, not only retaining a considerable profit of several hundred million, but more importantly, not losing the face of Xiangjiang's top investment bank.

Compared with his peers Goldman Sachs, UBS, and French Paribas, although Li Yaoyang was scolded for a bit of treachery (it turned out to be a cooperation with Goldman Sachs), it is not so important to let people chew the grain with the benefits in hand.

It's just that although the project has been obtained, the promotion of the strategic cooperative relationship with Yongxiang Bank has really given Li Yaoyang a headache.

In the face of the board of directors, Li Yaoyang privately begged his father and grandmother to do countless work and exchange conditions for interests, and only then reluctantly let the board of directors approve the proposal for a strategic partnership with Yongxiang Bank.

Compared with HSBC, this kind of cooperation is a bit humiliating and humiliating, and Yongxiang Bank did not publicize it with much fanfare after signing it, so as not to overly irritate Li Yaoyang and the HSBC board of directors, who are now a little rampant.

However, with this agreement, Yongxiang's network publicity and customer promotion will definitely not let go of this kind of thing, so this matter has suddenly increased a strong attraction for Yongxiang's high-end user development.

Compared with HSBC, Yongxiang Bank's bank card has more discounts, and there is little difference between everyone in use, and the convenience of using outlets is the same.

Anyway, it's not an either/or choice, so try it first and won't lose meat.

With such external conditions, Yongxiang's high-end users in Xiangjiang and Las Vegas immediately saw an increase in monthly double-digit growth.

It can be said that the transfer of hundreds of millions of underwriting fees will be immeasurable for the development of Yongxiang Bank in the future, which is an effect that cannot be achieved by advertising hundreds of millions of dollars.

Up to now, Yongxiang Bank relies on Xinglong Bank in the mainland and HSBC in Asia, plus its own set of Asian expansion plans, the whole layout has begun to take shape, laying a solid foundation for large-scale expansion.

Following Thailand and Malaysia, the Jakarta and Manila branches have also entered the preparatory stage, and the Baodao and Japan and South Korea branches have entered the preliminary review.

If nothing else, Winway Bank's Asian expansion plan will be completed in the next three years, covering major Asian cities.

In addition to Hong Kong and Las Vegas, Winway Bank will focus on developing high-end users in other parts of Asia in the future, especially those with financial needs.

Therefore, it will not rely on casting a wide net to compete with local banks for ordinary users, which are not of high value to Yongxiang Bank and cannot be highly matched with Yongxiang Bank's investment banking and wealth management business.

For this strategy, Liang Baiheng is also very recognized, after all, Yongxiang Bank is a small bank, if you do everything, you can't do anything, you must have a tilt to make characteristics to have a future.

And now Yongxiang's strongest nature is financial investment.

This kind of high-value financial management customers opens up a customer value worthy of dozens or even hundreds of ordinary users.

Don't say that Yongxiang is too poor and loves the rich, in this environment of cruel competition in the market, every enterprise must find its own place of survival, with Yongxiang Bank such a small network, weak assets of small banks, no characteristics is equivalent to the original step.

Once the outside environment is a little bad, it will be affected at any time and the pond fish will struggle to survive.

Otherwise, the original owner of Yongxiang Bank would not have changed hands so easily.

Therefore, with the help of the opportunity of the listing project of Zhongping Insurance, Li Yaoyang was knocked on a bamboo pole, which made a lot of money for Yongxiang Bank.

In the market, there is never a shortage of discerning people, although Yongxiang Bank has not made a big deal about the cooperation with HSBC, but some investors have keenly discovered the mystery from the publicity of Yongxiang Bank's outlets.

Soon, Yongxiang Bank's stock reacted, and with this good news, it actually rose by nearly 20% in one go.

Well, due to the lock-in positions of institutional investors and Liu Ruoyi, the major shareholder, also holding on, there are not many outstanding shares of Yongxiang Bank on the market, and the price of chips is very expensive.

For other companies, it may be good news for the one-day market, and it has to be amplified a lot on the side of Yongxiang Bank.

For Liu Ruoyi, this increase in paper wealth is meaningless for the time being, but the number has become a little larger.

However, for the refinancing of Yongxiang Bank, this wave of increase may increase the size of the financing, because the financing pricing is based on the average trading price of the previous 20 trading days.

When the stock exchange approves the refinancing plan, the stock price will be much more expensive than if it had been proposed.

But this is really not deliberately caused by Liu Ruoyi, everyone can invest in it at this time, and promote the rise of stocks to participate in refinancing, obviously these people are here for long-term benefits.

This wave of market speculation is not a short-term market hype.

At least Liu Ruoyi didn't buy a hand, and the 1 billion yuan that was originally going to be supported saw that the stock price did not fall, so Liu Ruoyi did not let people compete with the small scattered people in the open market.

She has already eaten the meat, and she has to make people drink the soup, and in the banking industry, it is not a good thing to have too many concentrated holdings.

The special nature of banking business, if a person can control the sky with one hand, there will always be people who worry about the day their money is not insured.

There are still different people who can check and balance the board of directors and shareholders to be more credible.

Of course, Liu Ruoyi would not have understood this, otherwise she would have been able to absolutely control Yongxiang Bank.

She is not short of more than 10 billion now, and she directly comes to a premium to buy and sweep the goods, which is nothing more than giving more money.

But this Yongxiang Bank is the benchmark that Liu Ruoyi wants to build into a century-old store in the future, so starting with her, no one will do this in the future.