Chen Huiyi continued: "I have already investigated, the total assets of City Bank are as high as 30 billion Hong Kong dollars, and the debt ratio is 92 percent. Fastest update"

Lin Cheng was a little confused when he heard this, as long as he paid 2.5 billion yuan, he could acquire a bank with total assets of more than 30 billion yuan?

He was puzzled: "Didn't you say that the total assets of the city bank exceed 30 billion yuan? How can 2.5 billion yuan buy it? And its debt ratio is so high, if I buy it, won't I have to repay 92 percent of the bank's debts?"

Chen Huiyi rolled her eyes when she heard this, she was really ashamed of Lin Cheng's shallow financial knowledge at this time, but she was such a novice with no financial knowledge, but she made seven billion dollars in the Asian financial crisis, is God blind?

She had to patiently popularize banking knowledge for Lin Cheng: "The total assets of the bank are also counted in the depositors' funds, and the bank's debt ratio means that 92 percent of the total assets of 30 billion yuan are depositors', and only 8 percent belong to the Bai family."

The main source of funds of the bank is all kinds of savings, that is to say, most of the bank's money is other people's money, just put in the bank, the bank has no ownership, but has a limited right to use, part of the income is returned to the depositor in the form of interest, and part of the income becomes the bank's income in the form of deposit and loan difference.

Generally speaking, according to the Basel Accord, the core adequacy ratio of commercial banks' risk capital is 8 percent, that is to say, the asset-liability ratio of banks is below 92 percent, which is a normal level.

Of course, excessively high liabilities sometimes become risks, once for some reason it is difficult to recover loans, and the bank's debts are too high to turn over, it will inevitably lead to the possibility of bank bankruptcy, so bank liabilities must be kept within the appropriate range, generally to maintain a capital adequacy ratio of more than 5 percent.

At present, the debt ratio of most banks in Hong Kong is 95 percent, and the debt ratio of city banks is only 92 percent, which is very good.

However, because most of the bank's money is not its own, but the bank's liabilities, and the amount of savings is very large, the bank's debt ratio is high, and the higher the asset-liability ratio of the banking industry, the stronger the ability to absorb savings, and the more loans can be issued, and the higher the profits.

From this point of view, the ability of city banks to absorb deposits is relatively poor, and the profits generated are far less than those of other banks, so it is no wonder that the Bai family has no intention of operating at all. ”

After listening to Chen Huiyi's popularization of banking knowledge, Lin Cheng, a financial novice, finally understood that the original debt ratio is linked to the ability to absorb deposits, and the higher the debt ratio, the higher the proportion of funds occupied by bank depositors.

The total assets of Xiangjiang City Bank are 30 billion yuan, but depositors' funds account for 92 percent, and the Bai family only accounts for 8 percent.

After learning some basic knowledge of the bank and the recent situation of the Xiangjiang City Bank, Lin Cheng's interest was raised, he still had the phone number of the president of the city bank on his mobile phone, and he still had 500 million Hong Kong dollars in the city bank, why not make a phone call to ask Bai Zhisheng about the situation now.

Although he would be scolded for calling others in the middle of the night, Lin Cheng had been going well since his rebirth, and he cared about what others thought, so he quickly dialed Bai Zhisheng's phone.

"Lose your mother, the third watch called me in the middle of the night, you can solve the...... At this time, it was already one o'clock in the middle of the night, and Bai Zhisheng squirted wildly after answering the phone.

"Governor Bai, I'm Lin Cheng!" Lin Cheng didn't want to hear any more unpleasant words, so he decisively reported his name.

"Uh...... , It turned out to be Lin Sheng, do you have any instructions?" Bai Zhisheng said with some flattery.

Don't blame Bai Zhisheng for the reality, Lin Cheng has already heard about making a billion dollars in the financial market last year, and he is still buying a house on the top of Taiping Mountain, and his net worth has already exceeded 10 billion, and his status in the circle of wealthy people in Xiangjiang is obviously one level higher than that of the Bai family.

In Xiangjiang, the rich circle is also strictly hierarchical, and the billionaires with a net worth of 10 billion belong to two circles, Lin Chengneng took the initiative to call Bai Zhisheng, and he was indeed with Bai Zhisheng, even if the call time was late at night.

Lin Cheng said in a seemingly casual tone: "It's nothing, I just want to ask, does your city bank want to transfer it?"

Bai Zhisheng nodded and said: "That's right, my father unfortunately passed away, and my eldest brother and I didn't have the confidence to keep my father's property, and the world was difficult, so I wanted to transfer it."

Why, Lin Sheng suddenly asked about this, was he worried about the safety of the 500 million funds deposited in the city bank? In fact, Lin Sheng didn't have to, my eldest brother and I would definitely look for a powerful next family to take over the city bank. ”

"No, no, no. Lin Cheng said: "I just want to ask, I bid 2.5 billion yuan, can I transfer the city bank to me? If you agree, I will find a lawyer to sign a contract with you tomorrow."

If it doesn't work, forget it, I'm looking for other banks that I want to transfer, anyway, the world is difficult now, and there aren't too many banks on the verge of bankruptcy. ”

"Agreed! Why don't I agree, I'll agree a hundred, ten thousand!" Bai Zhisheng hurriedly shouted, as if he was afraid that Lin Cheng would regret it.

During this time, Bai Zhisheng and his brothers have contacted many buyers who want to buy City Bank, but these buyers have the meaning of taking advantage of the fire to rob, and the market price of City Bank is 2.4 billion, and the highest bid is only 2.1 billion.

Now that Lin Cheng has a price of 2.5 billion, where would Bai Zhisheng not agree? !

Although he saw that Lin Cheng's offer was so refreshing, he originally wanted to kill Lin Cheng again, but Lin Cheng had already said that he was dead, and the price was 2.5 billion, just do it, and pull it down.

Lin Cheng said again: "Can you call the shots in this matter?" What about your eldest brother Bai Zhiqin's opinion?"

Bai Zhisheng said happily: "He will definitely agree, Lin Sheng, we don't have to waste time, when will we sign the bank transfer contract?"

Lin Cheng thought for a while and said: "I have always been efficient in doing things, anyway, if I am free tomorrow, I will set it at ten o'clock tomorrow morning." ”

Bai Zhisheng hurriedly said: "Okay, then tomorrow at ten o'clock in the morning, I will ask someone to work overtime to prepare for the formalities now, and tomorrow Lin Sheng, you just need to bring a lawyer over." ”

When he hung up the phone, Lin Cheng was still a little confused, he thought it would be very troublesome to buy a bank, but he didn't expect it to be so easy to talk about.

Chen Huiyi explained: "Now that the Asian financial turmoil is raging wildly, maybe one day it will patronize Xiangjiang again. ”

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