(PS: The first draft, I haven't had time to change the typos urgently, you can wait for half an hour to read it!)

It is a well-known fact that there are more banks than rice shops in Hong Kong. In particular, after the Hong Kong government lifted restrictions in 1978 and allowed overseas capital to register banks or set up branches in Hong Kong, a large number of foreign-funded banks rushed to land.

The first half of the 80s was definitely a troubled five years for Hong Kong's banking industry. The property crash caused massive bad debts, the future crisis triggered a sharp depreciation of the Hong Kong dollar, and the successive turmoil has made many savers frightened.

As a result, the smaller Chinese banks have suffered a severe loss of deposits. In the midst of the continuous outbreak of the run, many Chinese-funded banks have no choice but to change their banners and accept the acquisition of foreign capital in order to survive.

The most recent case is that the richest man in Indonesia and a well-known Chinese businessman in Southeast Asia, Mr. Lin Shaoliang, owned First Pacific Industrial, bought Kangnian Bank for 150 million Hong Kong dollars. Before that, another company of the Lin family, CDB Asia, had also seized control of Far Eastern Bank from Qiu Degen.

The smaller the scale of the company, the worse its ability to resist risks! If we do not look at the problem from the perspective of nationalism, the death of a number of small and medium-sized Chinese-funded banks that are not strong will be beneficial to the stability of Hong Kong's entire financial system! However, for the shareholders of these Chinese-funded banks, losing control over their own enterprises often means being at the mercy of others!

Don't look at the turmoil in Hong Kong in the past few years, but Hong Kong's economy is in the midst of strong and high-speed growth! In this context, as long as it is properly managed, running a banking industry is actually a very profitable business!

Take Citybase International Bank as an example. It suffered a huge loss in 1983 and then turned a profit in 1984. This was followed in 1985. This is a 450 percent increase in earnings compared to the previous year, and last year's profit was 35 percent higher than in 1985. It is precisely because of the outstanding performance of Citybase International Bank in recent years. Li Xuan was sure that Feng Yongxiang would definitely be tempted!

Those so-called reasons for sticking to the ancestral business are just excuses for shirking! Feng Yongxiang's refusal to sell Sun Hung Kai Securities Company ultimately depends on whether Li Xuan's price can satisfy him! And from his shining eyes, Feng Yongxiang was obviously moved.

Feng Yongxiang did not hide his feelings, he believed that as long as he was willing to sell Sun Hung Kai Securities, the price given by "God of Wealth Lee" would definitely satisfy him. In the face of the huge disparity in strength between the two, he doesn't need to pretend to be calm!

"Li Sheng, it's not that I haven't considered buying back the equity of Hong Kong-based International Bank before, but my eldest brother is thinking about the development now. He is bent on building a Chinese community on the outskirts of Toronto, and has been drawing blood from Hong Kong for several years!

On the other hand, the outstanding performance of the Hong Kong Base International Bank in recent years is largely due to the support of the credibility of the Arab banks! Li Sheng: You may not know that the deposit-to-loan ratio of the Hong Kong Base International Bank has exceeded 90 percent.

This trick of the Middle Easterners is actually very poisonous, so we don't dare to force it at all. Otherwise, they only need to let out a little bit of rumour, which may trigger a large-scale run, resulting in a situation where the fish are dead and the net is broken!" Feng Yongxiang did not lose the calm that a shrewd businessman should have, and raised new questions with a frown.

"Jiahua Bank, Standard Chartered Bank, Bank of East Asia, and Dah Sing Bank. The four banks are willing to come forward together and package a part of the loan contract for the transfer of Hong Kong Key International Bank to help Hong Kong Key International Bank reduce the deposit-loan ratio to a reasonable level!" Li Xuan said lightly.

In Feng Yongxiang's eyes, it was a very unsolvable problem. For Li Xuan, it was a matter of one sentence. Of course, Li Xuan is by no means a living Lei Feng, the reason why he is willing to relieve Feng Yongxiang of all worries. On the one hand, it was to persuade Feng Yongxiang to sell Sun Hung Kai Securities, and on the other hand, he also had his own calculations.

Banks and brokerages can be described as commercial in the financial system. The two most important links. If Li Xuan can have enough voice in these two major fields in Hong Kong, and cooperate with the huge influence of Oriental Group in Hong Kong industry. It can be said that it controls almost half of Hong Kong's economic lifeline!

The total number of outlets of Jiahua Bank and Standard Chartered Bank in Hong Kong has exceeded 200. The density of outlets has not only covered all corners of Hong Kong, but in some places has even caused internal competition between the two banks.

The combined strength of Standard Chartered and Jiahua has been able to compete with HSBC Hong Kong Branch. Therefore, neither Jiahua Bank nor Standard Chartered Bank has any plans to continue to expand horizontally in Hong Kong in the short term. The development focus of both banks will shift to internal reform and efficiency, provide better services to customers, and create higher profits for shareholders!

But in Hong Kong's banking industry, Li Xuan's purpose of expanding his influence will not change. It's just that the method adopted will change from the previous iron-blooded mergers and acquisitions to a more gentle alliance.

For example, in September last year, it was suddenly reported in the market that Liu Ruanxiong, the "sniper in the stock market", was eyeing the Bank of East Asia. The Bank of East Asia (BEA) is one of Hong Kong's oldest Chinese-owned banks, and it was the largest independent Chinese-owned bank in Hong Kong after Hang Seng Bank was merged by HSBC until the rise of Ka Wah Bank in recent years.

The Bank of East Asia was founded by senior bankers Feng Pingshan, Jian Dongpu, Li Guanchun and others, but as of the time the news of the Hong Kong stock market came out, the shares held by Feng, Jian, Li and their friends together were less than 20%. Companies that are unstable in the majority shareholder's holdings are Liu Nguyenxiong's favorite targets.

A hostile taker like Liu Nguyen Hung is a lucky star for ordinary shareholders. Because of his game with the original major shareholders, the stock price of the acquired company will skyrocket. If ordinary retail investors are lucky enough to be on time, they can make a lot of money. But for listed companies and controlling shareholders, Liu Ruanxiong is undoubtedly a disaster star in the stock market and a rat poop in the stock market.

He did not buy the company for the purpose of operation, but used various capital means to create the subject of speculation and profit from the sharp rise and fall of the stock price. This is definitely detrimental to the long-term development of the company. Therefore, the board of directors of the Bank of East Asia is absolutely unwilling to be forced to invite Liu Nguyen Hung to the board because his stake is high enough.

However, the existing major shareholders Feng, Jian and Li are three. and did not have enough strength to compete with Liu Ruanxiong. Therefore, the Bank of East Asia could only seek the help of the "white knight", and Li Xuan's LH Investment Fund stepped forward at this time. Started large-scale sweeps in the secondary market.

In just one month, BEA's share price has been pushed up by nearly 50%. LH Investment Fund increased its stake in BEA by 11.5% in one fell swoop. Coupled with the increase in the holdings of the original major shareholders of East Asia, the entire concerted action reached 34% of the shares.

As a result, I didn't expect Liu Ruanxiong to just make a false shot, and he did quietly acquire many loose shares of the Bank of East Asia in the early stage. But after LH Fund joined the battle, Liu Nguyen Hung knew that he was invincible. So when the stock price rose to a high point, he took advantage of the trend to sell all the stocks in his hand and made a profit of more than 20 million Hong Kong dollars in one fell swoop!

The board of directors of the Bank of East Asia may never guess the truth, but Lau Nguyen Hung's action is actually a double show with the LH Fund! The LH Fund took this opportunity to join the board of directors of the Bank of East Asia in a very friendly manner.

Although LH Fund only acts as a pure financial investor. It does not seek control of BEA. But under its thread, BEA's relationship with the Oriental banks of Jiahua Bank and Standard Chartered Bank quickly began to closer.

In addition to wooing the Bank of East Asia, Li Xuan also took a stake in Dah Sing Bank in the name of the Oriental Group. Oriental Group also holds only 20% of the shares as a strategic investor, and does not pose a threat to the controlling stake of the founder, Mr. Wang Shouye.

With the support of the Oriental Group, Dah Sing Bank successfully defeated the Hong Leong Group of Malaysian businessman Kwok Ling-chan two months ago to buy ICBC from the Hong Kong government. After the completion of the merger, Dah Sing Bank has 27 branches and has been promoted to the ranks of China CITIC Bank in Hong Kong.

It is said that peers are enemies, but Jiahua Bank, Standard Chartered Bank, Bank of East Asia, and Dah Sing Bank have faintly formed alliances. And the reason why Li Xuan was able to bring the four banks together. It is precisely the dominance of the Oriental Bloc in Hong Kong's entire electronics industry that it relies on.

Hong Kong's GDP exceeded HK$370 billion last year, of which the electronics industry contributed a quarter. Almost all of Hong Kong's electronics industry now revolves around the Oriental Group, which is enough to show the deep impact of the Oriental Group on Hong Kong's real economy.

The emergence of Li Xuan has greatly changed the overall economic structure of Hong Kong. 1987 in another time and space. More than 80% of Hong Kong's factories have moved north, and the city's economic lifeline is gradually being controlled by the real estate industry.

But now, Hong Kong's industry is thriving. Every year, millions of computers, tens of millions of game consoles and hundreds of millions of game cartridges are shipped from Hong Kong to all over the world. The booming electronics industry has created hundreds of thousands of jobs in Hong Kong. It has also produced hundreds of millions of capital transactions.

Jiahua Bank and Standard Chartered Bank have undoubtedly shared a very delicious piece of the dividend cake in the rise of Hong Kong's electronics industry. Even HSBC is making money in order to better participate. It also opened the door for Li Xuan to acquire Hongkong Group, and stabbed Jardine Matheson, which is also a British-funded consortium, in the back.

In recent years, Hong Kong's banking industry has a tendency to catch up with and surpass the real estate industry in its capital investment in the electronics industry. In this case, if you can maintain good relations with the Eastern bloc, you can undoubtedly gain a small advantage in the competition.

Because every move of the Eastern Group will have a profound impact on the entire electronics industry in Hong Kong. Those companies that are in tune with the development ideas of the Oriental Group have made a lot of money. For example, RCA decided to gradually move its entire television manufacturing industry to Asia.

If a company can successfully integrate into RCA's Asian value chain, whether it is OEM televisions, radios, video recorders, or provide various components. As long as it can win orders from RCA, it will be enough for this company to survive.

In this case, the company is looking for a loan to expand, which is definitely a good business for the bank to make a profit. There are even some shrewd and bold businessmen who dare to use their entire net worth as collateral to upgrade their factories from Jiahua Bank without even obtaining the order contract.

Then Jiahua Bank will do its best to connect it with RCA for the safety of its own loans. Because if the customer does go bankrupt, the bank needs to forfeit the mortgaged property of the other party to cover the loan. And this is definitely a very cumbersome process, and it is a result that banks do not want to see.

The entire electronics industry in Hong Kong is desperately hoping that it will become closer to "God of Wealth" and his Eastern Bloc. It is in this context that Li Xuan's attitude can greatly influence the customer competition in the banking industry in Hong Kong's electronics industry.

"The Chinese-funded banks in Hong Kong are generally too small, and the slightest turmoil in the market, or even a large investment turning into bad debts, may lead to a catastrophe! Therefore, Yang Lingjun mentioned to me one of his ideas before, and he hopes to form an alliance with a number of banks to help each other to jointly deal with the risks that may arise in the financial market!

He has already held talks with Mr. Li Baoguo of the Bank of East Asia and Mr. Wang Shouye of Dah Sing Bank. If Feng Sheng is interested in regaining control of Citybase International Bank, you are also very welcome to join this alliance!" Li Xuan invited with a smile.

On behalf of Oriental Group, Yang Lingjun also serves as the chairman of the board of directors of Jiahua Bank and Standard Chartered Bank, two listed banks, and is definitely the most important figure in Hong Kong's financial industry today.

Before Feng Yongxiang came to the banquet, he guessed that Li Xuan would offer a high price that he could not refuse to buy Sun Hung Kai Securities. But he didn't expect that the conversation between the two tonight would mainly revolve around Hong Kongji International Bank. Feng Yongxiang very much hopes to turn it into a Sun Hung Kai Bank again, but he does not dare to make a decision on such a major matter.

Feng Yongxiang at least had to go back and talk to his eldest brother first, after all, 25% of the Feng family's equity belonged to the eldest brother. Only if the eldest brother supports his buyback action first, he is qualified to consider whether to give it a go.

After Feng Yongxiang said that he needed to think about it for a few days and then give a final answer, Li Xuan didn't care, and turned the topic back to the securities company!

"Uncle Zhao, no matter whether Asia Securities Company will merge with Feng Sheng's Sun Hung Kai Securities in the end, my previous opinion will not change, I hope to invite you to be the chairman of Asia Securities Company, I don't know what you have already considered?" Li Xuan turned his head and said to Li Fuzhao.

During the whole dinner, Li Fuzhao did not intervene in the conversation between Li Xuan and Feng Yongxiang, but quietly watched from the sidelines. Regarding Li Xuan's invitation, after careful consideration, he decided that it was necessary to agree.

If he becomes the chairman of the board of directors of Asia Securities, the Hong Kong government and the Independent Commission Against Corruption will have to consider the reaction of the "God of Wealth Lee" and the Oriental Group, even if they want to settle accounts after the autumn and continue to bite his little tail.

Because if the top management of the subsidiary is arrested in the name of corruption and bribery, it will be a big stain on the entire Oriental Group, and it will inevitably provoke Li Xuan's fierce counterattack! Therefore, for Li Fuzhao, joining the Asia Securities Company has actually opened up a protective umbrella for himself! )