If you want to invest in a bank, this is not nonsense. In addition to attending the opening ceremony www.biquge.info of Tencent's Singapore company, one of the main purposes of his return to Singapore was to discuss more in-depth cooperation with the four major banks. This time, I returned to Singapore to meet with ICBC, mainly to avoid the ubiquitous media abroad.

ICBC's listing time is set on the 27th of next month, and A-shares and H-shares will be listed simultaneously. Due to the huge size of ICBC, this pre-IPO is also known as the IPO of the century.

At present, the scale of ICBC's capital under management has reached 7 trillion yuan, and according to the share ratio of its own assets before the share reform, ICBC's own capital is about 160 billion yuan, but after more than a year, the total amount of funds in its own assets has been about 280 billion yuan after increasing its holdings and share reform.

Goldman Sachs acquired 5 percent of ICBC's shares with a capital of $1.9 billion, and according to this standard, ICBC's total assets are about $38 billion in US dollars.

Of course, this is a owned asset, not a managed asset. At present, ICBC has 7 trillion assets under management, and later, it has reached 23 trillion yuan. You forget what year ICBC became the most profitable bank in the world, with a revenue of more than 200 billion a year.

Goldman Sachs took more than 2 billion yuan, and the annual dividend of shares, plus the later sale of all shares, the profit reached 7.2 billion US dollars. If you don't know, forget it, now that Zhou You knows, of course he won't let go of this opportunity.

During ICBC's IPO, although Zhou You was in prison, he also became a strategic investor of ICBC through Nanyang Capital Management, a subsidiary of Nanyang Group. The conditions are similar to Goldman Sachs, and Zhou You obtained 4.98 percent of ICBC's shares for $1.8 billion.

In addition to ICBC, the other three major banks are also actively negotiating, and they also have a strong interest in absorbing Nanyang Group as a strategic investor. This is mainly because of the national development plan that travels around, which can bring a steady stream of benefits to the four major banks.

By investing in Colombia, the Big Four banks have provided more than US$30 billion of capital to mainland enterprises in exchange for an annual income of more than US$3 billion.

Later, it will develop Ecuador, Peru, Bolivia and other countries, which will play a decisive role in the development of the four major banks.

Mainly for this reason, the big four banks don't mind making Zhou You a major shareholder, as long as his stake does not exceed a certain percentage, the relationship between the two sides will be closer.

After rounding around the Presidential Palace, I traveled back to my home on the mountainside of Bukit Timah. Today coincides with Saturday, and a group of children are playing in the yard, all wearing small pants, either playing in the shallow pool or playing in the sand pit.

Seeing the traveling car enter the yard, they froze for a moment, and then they rushed over, calling for their father incessantly. The youngest Zhongyuan was originally playing in the sand pit, but in a blink of an eye, his brothers and sisters were gone, and when he saw Zhou You appear, he hurriedly pulled out his legs and ran. But his feet were weak, and he fell into the sand pit, and his mouth was full of sand.

Although he was solid, his brothers and sisters ran away and didn't wait for him, and ate the sand again, and couldn't help crying. In a panic, his nanny Xiaokang hurriedly stepped forward to feed him water and spit sand.

Zhou You hugged the three little ones in turn, and rubbed Long Long's head, and he couldn't help but laugh stupidly. When Zhou You got rid of the entanglement of a few little guys, Zhongyuan also ran over, with tears in his eyes, and threw himself into Zhou You's arms. "Dad, my sister beat me ......"

Zhou You couldn't help laughing, the five little guys stayed together, and it would be strange if there were not a few disputes every day. Zhou You didn't bother to care about the confused accounts between them, comforted the Central Plains, and scared the culprit Zhong'an a few words, so he made love to them for a while.

There is only one season in Singapore, and that is summer, and although it is September, the weather is still very hot. The long-sleeved shirt that you wear around feels hot after a while. "You go to the yard to play, don't stay up in the sun, Dad went to change his clothes, and will play with you later."

Christina and the others had already come back early, and at this time, Yan Fangqing also came out, looking at Zhou You and smiling sweetly. Zhou You turned back to Sanchez and said, "Today is a day off, you can also go back to see your wife and children, and we will meet directly in the company tomorrow." ”

Turning around, ignoring the children beside him, Zhou You hugged Yan Fangqing and kissed her, but it made her red-faced.

When I entered the house, the cool air brought by the central air conditioning was completely different from the outside. Zhou You went upstairs to change into a loose T-shirt and cropped pants, and then went downstairs and sat down in the living room.

"The second aunt is not there with Tao Zai?"

"The school organized a social event, and he went to Indonesia with his classmates. The second aunt went back to Yangcheng, saying that she was going to leave her job without pay, and she would take care of Taozai here in the future. ”

"I think so! She didn't take care of Tao Tsai when she was in high school, and now she is a junior, so she still needs to take care of her? Zhou You thought about it and said, "You pay attention, go back and buy a house for Tao Tsai nearby, and let them move out when the time comes." ”

Yan Fangqing nodded and said, "Although the house is big, the room is really not enough now. As soon as you come back, there are seven or eight assistants, and there are several assistants in mine, all of which are inseparable from you, and you have to arrange accommodation. You can't let them be like bodyguards, several people squeeze into one room, and it's a shame to say it. ”

Indeed, traveling around now sometimes has to be burdened by false fame. These assistants around him, each of them is responsible for a different project, and they are all white bones that everyone envies. Open your mouth is hundreds of millions of billions of projects, and when you go out, you will be a special car and plane bodyguard, and you can't go back home, and you have to huddle a few of them in a room to rest.

What's more, they are around you, there is not much time to rest, when you are busy, they are also busy, they are playing, they are still paying attention to information around the world.

Zhou You hugged her waist, and she also fell into Zhou You's arms, although the two of them were not intimate, but they also enjoyed the peace of being together. "Have you seen anyone from ICBC?"

"Yes, they arrived yesterday, and a few of them are from Huijin and the Ministry of Finance. I treated them to a meal and arranged for someone to take them around Singapore. Yan Fangqing raised his head and asked, "If we all have a little stake in the four major banks, do we still need to invest in foreign banks?" ”

"Absolutely. Although there are many restrictions on banks in Europe and the United States, they also have many branches around the world. It's like Santander, although this bank is nothing in Europe, it is only the largest bank in Spain, but because of Spain's relationship with South America, they have branches in South American countries, which is not comparable to mainland banks. However, with so many shares in the bank at once, we may not have enough funds on hand. ”

"Funding is not a problem, now there is an opportunity to invest in shares, who still invests their own money in it, only needs to come up with 10% of their own funds, and the rest of the gap is financed by capital leveraged equity pledge, which does not cost much."

"Yes, you can open your mouth and close your mouth to raise money now......"

Yan Fangqing angrily twisted his waist. "You still don't allow me to improve!"

The two of them quarreled for a while, and Zhou You said: "If it's another project, you can do this, but this project, you can't do this." The main purpose of our investment bank is to control more of the capital under management. And we are too eye-catching now, and in doing so, it is easy for people with good intentions to attack our capital chain......"

Although Zhou You has money, he is always just one person, and there are many places to spend money, so it is inevitable that there will be times when he is overstretched. What's more, his current liquidity is mainly the shares he sold at the beginning, and most of the rest are assets rather than funds. It is very easy for a large country to attack the traveling capital chain, so he would rather use other methods than leverage mode.

“…… We can't pledge shares in banks that we don't have in hand, which will cause pressure from the media and the outside world. Apple's shares, Google's shares, and even Walmart's shares can be pledged, but if you want to invest in bank shares, you still have to honestly follow business methods. What's more, when it is unavoidable, Tmall always has 50 billion funds on its account that can be called. ”

"Well, ICBC has already paid here, and other banks are still negotiating, anyway, there is no need to use money now, and it can be dealt with for the time being."

The next day, although it was still Sunday, the guests of Zhou You and ICBC had already met at the headquarters on Blaney Island without noticing.

The biggest problem of the four major domestic banks at present is that the internationalization process cannot keep up with the situation, if you want to talk about money, the four major banks are not lacking, as far as ICBC is concerned, its own capital is hundreds of billions, and the management capital is 7 trillion, will there be a shortage of money?

The purpose of introducing Goldman Sachs as a strategic investor is to enter the U.S. financial market. But it was clear that this purpose was not achieved.

In his previous life, when he went to work in the United States, it was already 2010, and none of the four major banks had been allowed to enter the American market. It seems that two years after he worked in the United States, ICBC acquired the Bank of East Asia, and at that time, ICBC finally found a channel to enter the US financial market. At that time, this news was very sensational in the United States, and Zhou You also saw it on the news, but because he did not remember it well, he forgot the specific time.

In order to go international, whether it is the big four banks or mainland enterprises, I don't know how much tuition fees have been paid. And these tuition fees are very high, and the people in the mainland are scolding their mothers.

Take ICBC's introduction of Goldman Sachs as an example, in less than ten years, Goldman Sachs earned $7.2 billion from ICBC, but how much did Goldman Sachs do for ICBC? The main intention of introducing overseas strategic investors is to introduce their management experience and achieve an international layout. But Goldman Sachs just ate the icing and returned the shells.

Of course, it can't be said that Goldman Sachs didn't help at all, at least, they helped when it bought the Bank of East Asia, otherwise, ICBC would still be hovering outside the United States.

According to 2005 figures, about 15 percent of the assets of Chinese banks came from overseas, mainly from Hong Kong. None of the other big banks have more than 10 percent of their overseas assets, with the China Construction Bank accounting for less than 5 percent and the Agricultural Bank of China accounting for only 2 percent. These ratios are much lower than those of major European and American banks such as HSBC and Citigroup.

This is after Zhou You's investment plan for Colombia has been implemented, and if Zhou You hadn't done it, the figure would have been even lower. It is precisely through the Colombia project that the Big Four banks clearly realized the importance of Zhouyou's plan to their internationalization process, and they were willing to accept Zhouyou as a strategic investor.

In the luxurious office, Zhou You had an open and frank discussion with the representatives from ICBC, and also made a far-sighted framework plan for the future internationalization road.

The representatives of ICBC also spoke positively of the promotion of the banking industry by the overall development of the country, and were willing to become a financial tool for the development of the whole country. The bank entered the markets of various countries through the plan of Zhou You, and Zhou You can develop without any worries and in a big way with the support of the bank, and the two sides have a common purpose, so this meeting was very pleasant.

The next day, September 25, Tencent's branch in Singapore was officially established. So far, in addition to the traveling Nanyang Group, all three other companies have been established on Blarney Island.

And among these four companies, except for Baidu Zhouyou's shares, which are only 10%, not the largest shareholder, the other three companies, Zhouyou is the largest shareholder deservedly. In Tencent, Zhouyou still retains 20% of the shares and is the largest shareholder, and Tmall and Zhouyou retain 35% of the shares.

As for the Nanyang Group, because of the registration, one percent of the three wives was given, and the remaining ninety-seven percent were controlled by Zhou You. On the contrary, in some branches under Nanyang Group, several wives each own a certain percentage of shares.

This five-square-kilometer island, in addition to leaving a training ground and office building of less than 30,000 square meters for the marine police department, as well as a section of wharf of less than 500 meters, the remaining more than 1.4 million square meters are completely occupied by these four companies.

The forest building of the traveling Nanyang Group is already famous all over the world, and the remaining three companies are better than the blue, the office buildings are integrated into nature, and the environmental layout pays more attention to harmony, building the whole island into an ecological island that can be used as a tourist area.

This arrangement also made all the guests praise the environment here, but it was the beautiful kindergarten in the center of the island that attracted the most media attention, which was like a children's paradise and was known to the world for the first time.

Under the excavation of the media, this ultra-luxury kindergarten with less than 200 children, but 20 nurses, 20 highly educated teachers, and a complete medical and catering service team has also let the world know that Zhou You will do anything for his children.

This trend lasted for more than a month, and finally began to discuss that Zhou You should continue to have more children, otherwise, this kindergarten would be a bit too wasteful.

However, except for Yan Fangqing, Gracia and Paris have no idea of continuing to have children, so Zhou You is helpless.