The elevator door opened, Du Haibo was anxious, walked out of the inside, ignored the secretary's obstruction, strode to the chairman's office, and did not knock on the door, but pushed it open. Pen "Fun" Pavilion www.biquge.info≥,

At a glance, he saw Guan Fei sitting on the sofa in the rest area, and the guard Li Qingsu was standing behind him. On the couch next to him, sat Bian Hong, the business manager of the Hong Kong branch of the Bank of China, and Liu Zhengying, the owner of Zhengying Law Firm. Bian Hong and Liu Zhengying each had a stack of documents on the table in front of them, and Bian Hong was facing Guan Fei, gesturing, as if he was explaining a certain matter to him.

Zhou Xiaoshan, general manager of Taiyu Technology, Pan Meifeng, general manager of Hasbro, and Fang Zheng, general manager of Suteng Commerce, sat around with focused expressions.

Hearing the door, everyone turned their heads and looked at the door.

"Chairman, this Mr. Du forcibly rushed in without waiting for me to ask you for instructions, and I couldn't stop it!" The secretary who graduated from Chinese University in Hong Kong was angry and anxious, and preemptively sued.

"It's okay, the reception desk downstairs has already informed you just now, it's none of your business. It's okay here, you go get busy first. Guan Fei smiled and motioned for the secretary to go out and continue working.

The secretary glared at Du Haibo, but poured Du Haibo a cup of tea before quietly exiting the room.

"Comrade Guan Fei, we heard that the investors you had brought in from the United States with great difficulty had been kidnapped by people from the Industrial and Commercial Section of the Chief Secretary for Political Affairs and were dragged around Hong Kong for inspection. Aren't you afraid to pay such a big price, and in the end, the chicken flies and the egg fights? Du Haibo sat down and said quickly without even breathing.

"Don't worry, you can't fly!" Guan Fei signaled a pause, leaned back slightly, and said confidently, "These people are not just for investment, they are to cooperate with us on the portable tape recorder project, and they will fly halfway around the world to Hong Kong." ”

Du Haibo is also concerned about the chaos, and the reason is clear as soon as he says it, but he is still a little confused: "Then why did the Hong Kong government rob the people you brought?" They can't give those businessmen what they want, so why do they let the people from the business department come forward and take them all over the world to investigate? ”

"I don't know." Guan Fei spread his hands and said calmly, "But come to think of it, it's nothing more than to mess up this cooperation, or to threaten each other, and to negotiate terms with me." ”

"You say that the British authorities in Hong Kong intend to disrupt the cooperation?" Du Haibo jumped up from the sofa at once, his eyes widening in disbelief.

"I only said that it was possible, but no, it depends on what they do next."

"How can this be!" Du Haibo was more anxious than him, and said angrily, "In order to invite these Americans over, you chartered a whole plane!" Could it be that this money has gone down the drain? Outrageous! ”

"Of course, things are not so bad that ......, I think it is more likely that you should still negotiate terms with me." Guan Fei pondered for a moment and shook his head.

Judging from the information, MacLehose has been working hard to develop Hong Kong's economy since he became governor of Hong Kong.

It was he who changed Hong Kong's business philosophy of focusing on entrepot trade, turned to the development of toys, watches, and electronic industries, and initially established a small-scale electronics industry. During his tenure of office, foreign exchange controls were lifted, gold trading was launched, and banking licenses, which had been frozen for many years, were released this year to gradually regulate the financial industry. It is also he who has shifted his attention from the small island of Hong Kong to the wider New Territories, vigorously promoting the construction of new towns and low-rent housing, so as to alleviate the plight of a narrow land and a large number of people, and to expand more space for Hong Kong's further development in the future.

This is the first and final wave of British efforts to treat Hong Kong as a homegrown operation.

After the Sino-British negotiations ended in '82 and China issued a declaration that "even if the People's Liberation Army is dispatched, Hong Kong Island will be recovered," Britain no longer had the idea of seriously running Hong Kong.

After succeeding Hong Kong Governor Youde to power, he immediately changed his course, abolished most of MacLehose's governing measures, abolished industries that were not easy to realize, and vigorously supported a series of measures such as real estate, service industry, and stock finance. How to make money quickly, how to easily transfer assets, how to use a ** speculative market to forcibly fatten the Hong Kong economy, as a fat pig that can be easily slaughtered with a knife before leaving.

These two years are Hong Kong's last chance, and they are also the only possibility for Guan Fei to put his ideas into practice in Hong Kong.

After the past two years, the layout of the Hong Kong government has been completed, and both local businessmen and ordinary citizens will only be pushed by the general trend all the way to the peak of the crazy cliff, until they finally fall to pieces.

Since the British authorities in Hong Kong are still in charge of MacLehose, it shows that the current mainstream thinking is still to promote the healthy and orderly development of Hong Kong's economy. It is undeniable that the British authorities in Hong Kong are still wary of Chinese-funded enterprises, but in the face of the international trend of reconciliation between China and the United States and joint response to the threat of the Soviet Union, it is unlikely that the British authorities in Hong Kong will tear their faces and openly suppress Guan Fei.

This is the pain of operating on other people's turf, everything is in the hands of people, and the constraints are too great.

Fortunately, he still has domestic support behind him, which can deter the other party from daring to blatantly mess around, and it is estimated that it is the most likely to secretly stumble at that time.

However, being involved in this matter, he couldn't rush back to the military division for a while.

"It's useless to think too much, it's nothing more than soldiers coming to block and water to cover up, we can continue to do what we should do, and don't let others interfere with our normal work." He said calmly.

He is not as calm and relaxed as he seems on the surface, but as the helmsman, it is impossible to be as flustered as ordinary people in front of others, and he must be more calm in order to calm people's hearts.

"Okay, I will report this matter to the above, and if necessary, the country will come forward and will not embarrass you." Du Haibo was persuaded by him, relieved, and in order to avoid thinking too much about Guan Fei, he casually changed the topic and said, "When I came in just now, what were you discussing?" ”

Then he suddenly remembered, raised his hands and said with a wry smile: "I'm sorry, I'm sorry, this is your private matter, I shouldn't ask more, I'll leave." ”

With that, he got up and prepared to leave.

"Brother Du, sit down, there are no ulterior secrets." Guan Fei said with a smile, "We were just listening to the manager of the Bank of China, Liu Zhengying of Zhengying Law Firm, explain to us the bank application in Hong Kong. ”

"Oh? Are you planning to open a bank? Du Haibo became interested at once, and he didn't leave, turned around and sat down again.

He was in charge of foreign affairs in Southeast Asia, and after the rapid growth of the military sub-region, the focus of his work shifted to the affairs of the military sub-region. Under the arrangement of his superiors, other work was handed over to other comrades, who kept in close contact with Guan Fei and submitted reports as an important reference for maintaining bilateral relations in China.

Every action taken by Guan Fei in Hong Kong has considerable reference value for China's future economic construction and policy formulation. The master had already made an invitation, and he knew that the other party was very sincere when he heard the title, and of course he was reluctant to leave, and let go of the opportunity to grasp the first-hand information.

"As mentioned earlier, Hong Kong's banking system originated in the early days of the port and was established by the London-based Oriental Bank, the Mumbai-based Standard Chartered Bank, and the London-based Standard Chartered Bank. Among them, the Oriental Bank also has a royal charter to issue banknotes. It can be said that Hong Kong's banking industry was in the hands of the British from the beginning. Seeing that Du Haibo was here, Manager Bian, who was in charge of explaining, roughly sorted out the order for him.

Du Haibo nodded.

"For the next 100 years, the British authorities in Hong Kong practiced extensive management - that is, nothing! Anyone can open a bank, except that the right to issue banknotes remains unchanged, there is no threshold, no guarantee is required, and no matter the scope of business of the bank. It is conceivable that in such a situation, there will inevitably be a lot of banks in Hong Kong, and the good and the bad will be mixed. ”

A smile appeared on the corner of Guan Fei's mouth, he was very expectant of this chaos.

"During World War II, Hong Kong was occupied by the Japanese army, and banks became a tool for Japanese money fraud, forced to accept uncashable military bills, and banks collapsed.

After the war, the banking industry gradually regained its vitality, especially the defeat of the Kuomintang Party in the mainland, a large amount of capital flowed into Hong Kong, and the number of banks in Hong Kong soared. Subsequently, the British authorities in Hong Kong promulgated the first Banking Ordinance. However, the regulations are also very loose and have little effect on regulating the banking industry.

In the early 60s, due to the run on depositors, a large number of banks were in difficulty in operation, and even some Chinese-funded banks went bankrupt and collapsed. On the other hand, after MacLehose became the Governor of Hong Kong, he changed his colonial policy and vigorously developed the economy to loosen the constraints on the local economy. At the beginning of this year, the freezing of banking licenses, which had been in place for more than 10 years, was lifted, and it began to attract large foreign banks to settle in, which also opened the door for you to set up a bank. ”

Manager Bian explained very dutifully.

Although he is a member of the Bank of China, this is a state-owned bank, and the fact that the military division does not set up a bank in Hong Kong does not have any negative impact on him. On the contrary, everyone is a comrade, and he can have one more companion, and he also hopes to see the establishment of the new bank, so that the two can work together to face the competition of foreign banks and open up the situation for state-owned assets.

Liu Zhengying, the royal lawyer of Taiyu Technology, is not very familiar with banking regulations, although he did some homework before coming, but there are experts in front of him, and he does not need to go out to steal the limelight, so he sits on the side and listens quietly.

"What are the requirements if we want to apply to set up a bank at this time?" Guan Fei's eyes flashed, and he asked further.

There is no detailed legal document for the information in the biological vicebrain, and the specific details still have to be asked by experts.

"The conditions are actually not high."

Manager Bian opened the corresponding documents, put them in front of Guan Fei, showed him a few key legal provisions, and said easily: "After decades of development on the island, the amount of large capital is still not much, so the requirements for opening a bank are not high. In terms of assets, the applicant needs to have HK$100 million in assets as a guarantee. In addition, the bank's own liquidity only needs 25% of the margin, that is, 20 million Hong Kong dollars.

With your strength, this amount of money should not be a problem, it is really not enough, and our Bank of China can also help you advance some of it.

In addition, since in the past, banks often used depositors' deposits for speculation, which led to operational difficulties and a large-scale run on depositors after failure, and it was also stipulated that the upper limit of funds used by banks for speculation in stocks, real estate, and so on should not exceed 25 percent of their total capital.

The upper limit of a single customer's loan from a bank cannot exceed 25 percent, etc.

If you plan to use your savings to replenish your operating capital, you should be careful not to exceed 25% of the total capital, otherwise you will be penalized by the Financial Secretary and may even have your license revoked.

Don't leave this to chance, every licensed bank must join the banking association, abide by the union interest rate agreement, and be regulated by the banking union in terms of operation.

If you don't have enough funds or don't want to be regulated by the Association of Banks, you can also set up a deposit-taking company.

In 76, the Hong Kong government promulgated the "Deposit-taking Companies Ordinance", which is actually a second-class bank management regulation, stipulating that as long as there is a deposit of 5 million Hong Kong dollars, a deposit-taking company can be established. The company cannot solicit savings from natural persons, but it can solicit deposits from institutions, companies, and other banks, as long as the amount of a single deposit is more than 500,000 Hong Kong dollars.

Moreover, deposit-taking companies are not subject to the constraints of the Association of Banks, and the deposit and loan rates can be set by themselves, as long as they dare to give high interest, deposits will grow rapidly. And as long as the capital is sufficient, the money can be used to invest in stocks and real estate industries without restrictions, so as to circumvent the constraints of bank terms.

Nowadays, most banks have set up deposit-taking companies, large and small, to collect deposits at high interest rates. Over the past year or so, the stock market and real estate in Hong Kong have become more and more hot, because a large amount of funds have been invested in stocks and real estate by banks through lower-level deposit-taking companies.

The returns on these funds invested in stocks and real estate are very high, and they basically operate normally, and they can make a profit of 30 or 40 percent in a few months when they buy land and copy real estate. Some capital operation masters, even too lazy to do these, directly buy the existing house, and then sell it with an additional 20 or 30 percent, the buyer has just finished the house, and then change hands in the takeaway, such news is not uncommon! ”

Manager Bian was envious, obviously envious of this easy way to make money.

It's a pity that the Bank of China is a state-owned bank, and all the loans it implements are policy-based, so it can only watch other banks make a lot of money, but they make some hard-earned money.

"It's just drumming and passing flowers, we're not going to do it." Guan Fei scoffed and laughed.

There is still little knowledge of capital operation in China, and we only see thieves eating meat, but we don't see thieves being beaten. This kind of drumming and passing flowers will cost more and more, and it all depends on the next family to take over. As long as no one takes over, or there are such signs, the seemingly hot market will collapse in a blink of an eye.

According to the data, around 80 years, the property market reached an unattainable point, and then when the rumors of Sino-British negotiations came out, the property market suddenly collapsed, driving a number of small banks to become insolvent and go bankrupt. Since then, the Hong Kong government has introduced a stricter regulatory system to suppress speculation in Hong Kong. However, as Hong Kong's future became a foregone conclusion, the Hong Kong government turned its hands into clouds and rain, and once again activated the real estate industry to absorb the hard-earned money of the people and prepare for eating meat.

Even if it is speculation, he will pick up the bargain at that time, how can he plunge into it now.

Just when Manager Bian's explanation was over and everyone was about to discuss enthusiastically, the phone on the table suddenly rang. His phone calls will be transferred through the secretary, since the call has come in, it means that this call is very important, he did not dare to slack off, and immediately got up.

Guan Fei walked over quickly and picked up the phone: "I'm Guan Fei." ”

"Chairman, a lady named Elena has called, she claims to be the secretary of the Governor of Hong Kong, and she has something to look for you?" On the phone, the secretary's voice was very nervous, and he was probably frightened by the other party's origin.

"You can take it in."

Guan Fei was sure in his heart, and made a quiet gesture to everyone and commanded.

"Are you Mr. Guan Fei? I'm Elena. Gerald was the Principal Secretary to the Governor-General, Sir MacLehose. If you have time tomorrow night, Sir let me invite you to dinner at the Doge's Palace at eight o'clock, I wonder if you will accept it? A stiff woman's voice came over the phone, speaking in Cantonese and not pronounced very standardly.

"Eight o'clock tomorrow night, I remember, I will be there on time!" Guan Fei replied in a calm tone.

"Okay, I'll reply to Sir Sir, good night!"

The phone hung up, and Guan Fei immediately said to the people who were looking at him: "Who of you knows the name of the chief secretary of Hong Kong Governor MacLehose?" ”

"The chief secretary, I know, is a woman named Elena, whose full name is Elena. Gerald is in his early forties. Is she looking for you? Could it be ......" Liu Zhengying is familiar with the leading figures in the Hong Kong government, and immediately gave an accurate answer in one bite, and stood up excitedly.

"That's right! I was invited to go to the Governor's Palace at 8 p.m. tomorrow night and have dinner with Governor MacLehose! Guan Fei waved his fist, and finally laughed out loud.

Sure enough, the Hong Kong government kidnapped the Americans to put pressure on him for the purpose of negotiations.

He is not afraid of negotiations, and some talks show that everyone has room for advance and retreat, and will not resort to violent means, and the mainstream is still cooperation.

On this expedition, he spent hundreds of thousands of dollars on charter flights alone, and if he was lost, he would die of heartache.

Well, let him meet the famous Sir MacLehose tomorrow night, and see what kind of medicine he sells in his gourd.