On the morning of April 17, when Li Hualong was having breakfast at home, he received a call from He Shanheng.

"Uncle He, have you eaten breakfast?" Li Hualong picked up the phone and asked with a smile.

He Shanheng is a few years older than Li Hualong's father Li Yisong, and Li Hualong calls him "Uncle He" smoothly.

"I've eaten it." He Shanheng smiled and said, "Ah Long, tonight, are you free?" ”

"What's the matter, you want to invite me to dinner?" Li Hualong asked with a smile.

"I want to treat you to dinner!" He Shanheng smiled heartily.

"Just the two of us?"

"I will also invite other directors of Hang Seng Bank."

"Okay, I'll do the east. Go to the Mandarin Oriental for dinner. ”

"Okay." He Shanheng smiled and responded, "Your father, as well as the eldest brother and Bao Yunshan, these three directors, you can inform them." ”

"Okay, see you that night."

More than a week ago, the board of directors of Hang Seng Bank was reshuffled, the number of board seats increased to 11, Li Hualong won five seats, and he and Zhao Wende did not change the board seats, and he appointed Li Yisong, Li Huawen and Bao Yunshan as directors of the board of directors of Hang Seng Bank.

Zhao Wende is the father of Zhao Litong of Li Hualong University, at the beginning, Li Hualong got the first loan from HSBC, Zhao Wende provided great help, and later, Zhao Wende jumped from HSBC to work in Hang Seng Bank, it was under the introduction of this person that Li Hualong invested in Hang Seng Bank.

Ten years ago, Mr. Li increased his stake in Hang Seng Bank by adding one seat to the bank's board of directors by appointing Mr. Zhao as a director.

Zhao Wende personally does not hold any shares in Hang Seng Bank. He became a director of the board of directors of Hang Seng Bank and represented the interests of Lee Wah Long if the board voted on something. If he and Li Hualong disagreed, then Li Hualong could remove Zhao Wende from his position as a director and appoint someone else as a director.

Over the past decade or so, Mr. Chiu has worked well at Hang Seng Bank, getting along well with other directors and senior management of the bank, not only doing his job well. It has not yet provided various conveniences for Li Hualong's company to obtain loans from Hang Seng Bank.

After Li Yisong, Li Huawen and Bao Yunshan became directors of the board of directors of Hang Seng Bank, they did not necessarily have to be present when the board of directors met. Li Hualong can vote for them, and at the same time, Li Hualong can also appoint someone else to vote for him.

After hanging up the phone, Li Hualong made a call to Li Huawen's home.

"Big brother. Tonight, the board of directors of Hang Seng Bank gathered for dinner at the Mandarin Oriental Hotel. You can also participate. ”

"I won't participate in this kind of dinner, I want to spend more time with your sister-in-law at home."

"That's fine. However, the next time you ask Hang Seng Bank for a loan, the bank will definitely not approve it. Li Hualong joked.

"You're too ruthless." Li Huawen smiled and said, "I don't hesitate to go to the one!" ”

"I'll see you that night, I'm hanging." Li Hualong hung up the phone after speaking.

"This guy is too anxious." Li Huawen smiled bitterly. "I didn't say a few words, hey. I'll get over early. ”

Li Hualong hung up Li Huawen's phone, and then made a call to Bao Yunshan, inviting the other party to participate in the dinner party in the evening, Bao Yunshan did not refuse, and agreed.

Back at the restaurant, Li Hualong smiled and said to his father: "Abba, tonight, the board members of Hang Seng Bank have a dinner, and you can also attend!" ”

"Oh!" Li Yisong smiled and nodded.

Li Yisong has dealt with Hang Seng Bank executives such as Ho Shanheng a lot of times, and they have a good relationship and can be regarded as friends.

After dinner, Li Hualong and Li Yisong sat in the living room for a while and chatted a few words.

"What are your plans for depositing gold in Hang Seng Bank?"

"In a few days, no, starting tomorrow, I will entrust Hang Seng Bank to help me sell gold bars, the price is comparable to the purchase price of the gold store, it is estimated that in a month, I can sell a lot of money." Li Hualong smiled, "Many of my companies still owe money to the bank, so I paid off the debts first." ”

"Gemdale Group still owes the Hong Kong government 90 million!" Li Yisong reminded.

"I know. Three million a month, which is just a small amount of money. ”

"You're talking so much." Li Yisong quipped.

"Regardless of the companies I have a stake, several wholly-owned enterprises under my personal umbrella can bring me at least HK$3 million in profits every month."

"I hope the property market will pick up as soon as possible, otherwise, no one will be willing to develop a joint venture with you to develop a naval dockyard, so dragged, there will definitely be a lot of trouble, even if our family supports you, the house on that piece of land has been built, whether it is rented or sold, there will be problems."

"Abba, you don't have to worry about me. Even if I had some setbacks with the big Navy Yard project, I could handle it. Besides, over the years, I've been so smooth, and it's good to take a little detour and hone my mind. ”

"If you can go along the way, why take a detour."

"That's right." Li Hualong nodded.

"Keep your own snacks." Li Yisong reminded.

"Got it!" Li Hualong replied with a smile, glanced at his father a few times, and asked, "Abba, are you interested in listing your company?" ”

"Let Evergrande go public?" Li Yisong asked.

"It's not a whole listing." Li Hualong said.

"What's the split?"

"A while ago, I talked to a friend, if you want, you can merge the soon-to-be-completed Songhe Building and the New Xianli Building into a newly established company."

"New Hsienly Building? The newly built building behind Times Square, right? ”

"yes, it's almost finished. Leasing has not yet begun. ”

"The area of the new Xianli Building is far less than the area of the Songhe Building, right?"

"About half. What I mean by this is that when this company goes public, you take out half of the shares for public sale, the Liang family holds 34% of the shares, you hold 33% of the shares, and 33% of the shares are outstanding shares. ”

"Why do you think that?" Li Yisong said curiously, "One building is too few, I can take out two buildings." What does it mean to work with others? ”

"Guess what." Li Hualong said with a smile.

Li Yisong pondered for a moment and said with a smile: "I guessed, you have taken a fancy to the land of the New Xianli Building." ”

"That's right. Ginger is still old and spicy! Li Hualong said with a smile, "I hope that one day in the future, Times Land will come forward to buy the new Xianli Building and demolish it for reconstruction." ”

"Before the construction of the new Xianli Building, why did you not think of buying the old building?"

"I thought about it, I also talked to the Liang family, but the other party's bid was too high. I didn't negotiate it, I didn't think it was cost-effective, so I didn't buy it. ”

"Then how do you remember it?"

"The location of the plot is really good. Next to Times Square, after ten or twenty years, the new Xianli Building can be considered to be demolished and rebuilt, and Times Square can be redecorated. The base can be opened. Then the area of the shopping mall will be larger, and the attraction of customers will increase a lot. ”

"Ten or twenty years from now?" Li Yisong laughed, "You're thinking too far. ”

"Not exactly. I don't think it's necessary for you to be the chairman of the board of directors of this listed company, whether the stock price is high or when you are short of money, you can sell the stock and cash out. ”

"It's too troublesome, I'm short of money, I can buy a property directly!"

"Abba. You don't understand that it's easier to sell a stock than a house. And also. If the house is sold, you want to buy it back, but it is difficult, and the shares of listed companies are different, as long as the equity is dispersed, you are willing to spend money, and it is not difficult to acquire a listed company. ”

"Kind of makes sense." Li Yisong muttered thoughtfully, thought for a moment, and said with a smile, "The establishment of a joint venture company, as well as the listing of the company, will be handled by you." ”

"Okay. I'll talk about it, and when the time comes, you can just sign a few names. ”

"Don't be so troublesome, I'll just transfer the Songhe Mansion to your name."

"No, no, there's no need for that. Abba, you don't know, being a director of a listed company is a very face-saving thing. ”

"What is not faceless, those are empty. It's up to you...... It's getting late, it's time for you to go to work. ”

Li Hualong looked at his watch and said with a smile: "It's really not early, I'm going to work." ”

That night, Li Hualong and 11 other directors of the board of directors of Hang Seng Bank had dinner together at the Mandarin Oriental Hotel, and everyone was in a good mood, eating, drinking, chatting, and eliminating eight Bordeaux red wines.

At the wine table, Li Hualong said the idea of entrusting Hang Seng Bank to sell gold bars, and Ho Shanheng and others welcomed it, after all, Li Hualong's enterprises can repay the loan as soon as possible, which can increase the capital reserves of Hang Seng Bank, and at the same time, they can lend funds to new customers, increasing the number of customers of large banks, which is beneficial to the long-term development of the bank.

At the end of the drink, Ho Shanheng raised his glass and said, "Let us all toast Ah Long, without his strong support, Hang Seng Bank will not be able to achieve phoenix nirvana." ”

"Uncle He, I also want to thank everyone for giving me a chance to make money, don't respect me." Li Hualong said with a smile and raised his glass, "Everyone, I wish us and Hang Seng Bank better and better!" ”

"Cheers!"

In less than half a month, Hang Seng Bank helped Li Hualong sell 60 million Hong Kong dollars of gold.

Most of the funds from the sale of gold were transferred to the accounts of many of his companies to repay bank loans, and in addition to Gemdale Group, Li Hualong's wholly-owned enterprises no longer have debts.

The remaining gold bars worth about 20 million Hong Kong dollars were not continued to be sold, but deposited in the vault of Zài Hang Seng Bank, and his gold and jewelry company, Alibaba, sold a lot of gold jewelry every month, which was kept for jewelry.

……

With the strong support of Li Hualong, Hang Seng Bank has survived the crisis without danger, but the run on Chinese-funded banks has had a great impact on Hong Kong's financial and real estate industries, as well as other industries.

Almost all the desperate and gambling speculators were "killed", and the whole army was exhausted.

Many of them, with tens of millions, or even hundreds of millions, have retired and disappeared from Hong Kong's business circles.

In the following years, Hong Kong's economy is basically in a state of recession, even if there is a warming tide, but the duration is not on, the property market has fallen and rising, the overall trend is to fall, small and medium-sized banks are extremely difficult, and after the crisis baptism of Hang Seng Bank has won the trust of customers, its performance has been continuously improved, and the phoenix has become the only Chinese-funded enterprise that can compete with HSBC and Standard Chartered.

……

On April 30, the sole proprietor of the Centennial Bank declared bankruptcy and the government appointed the bankruptcy officer as the trustee of the bankruptcy estate.

According to the bankruptcy officer's report, the total liabilities of the bank account are 21 million yuan, including deposits of 12 million yuan; The total assets are 20 million yuan.

Theoretically, Matilda's losses were modest, but about $18.5 million in total assets were real estate at market prices, the price of which had fallen significantly by the beginning of 1965.

To make matters worse, a large portion of these properties include unfinished works that the Hong Kong government needs to pay for. (To be continued......)