Hong Kong Island's upcoming real estate plunge is definitely an opportunity for Yip. Pen ~ fun ~ pavilion www.biquge.info and what he really wants to plan through this opportunity is to acquire a bank that serves as a capital turnover station.

In Yip's plan this time, a total of three banks have become his targets, including the Bank of East Asia, Liu Chong Hing Bank, and Overseas Trust Bank.

These three banks have their own advantages, but for Ye Jingcheng, the advantage of the bank is secondary, mainly because of how high the possibility of his acquisition is.

The Bank of East Asia has the best background among the three banks, with branches in almost every area of Hong Kong Island, making it difficult to acquire. Even if it will be affected by the real estate plunge in the future, it is still very difficult for Ye Jingcheng to acquire.

In addition, with his current assets, the acquisition of the Bank of East Asia will also be very difficult. In short, you can try to make contact, but you can't leave it to chance. If you go, you will come, and if you can't, you will go.

The second Liao Chong Hing Bank, just by listening to the name of this bank, you know that it is a family bank. Therefore, the issue of equity distribution within this bank is more troublesome, and it is at least scattered into dozens of shares that fall into the family members.

The difficulty of acquisition is high, and the acquisition of Ye Jingcheng is easy to become a trouble and obstacle. And what Ye Jingcheng wants is a bank of his own. And among these people, there will definitely be a reluctance to sell shares, and this situation may even account for the majority.

Therefore, the bank that is most in line with his current acquisition is the overseas trust, and the difficulty of the acquisition is medium at most.

The background of overseas trust banks is not bad, and even a new upstart in recent years, the scale of branches has caught up with the Bank of East Asia, and the business is more diversified. Such as foreign currency deposits, remittances, safe deposit boxes, credit cards, mortgages, etc.

But there is also a downside to jumping up so quickly, which is that there is a situation inside. The serious shortage of liquidity has also become the biggest shortcoming of the bank. Therefore, this time the real estate plunge, which was originally not well funded, was definitely affected the most.

Originally, overseas trust banks had a property mortgage business, and the scale of this business was still very large. Now that a large number of property owners have failed, where can they still be able to repay their monthly mortgages, then the bank's capital chain will definitely break.

In fact, in this era, especially on Hong Kong Island, most banks will face this problem. This is because Hong Kong Island has always been in line with the international policy in terms of economy.

Foreign banks are constantly adding new businesses, many of which are new-age businesses that span from the 70s to the 80s. For example, foreign currency deposits, credit card settlement, cheque round cashing, etc.

If the bankers on Hong Kong Island don't want to be eliminated, they can only bring in these new-age businesses. And they are not familiar with these businesses themselves, which is the root cause of a series of problems.

The purpose of Ye Jingcheng's visit today was not to discuss the acquisition with the principal of the overseas trust bank. Rather, it is intended to be a push in this matter, so that the bank will fall into a situation of mismanagement more quickly.

In this way, he can maximize his own interests, and then use the lowest conditions to buy the bank, and then the difficulty of the acquisition will be reduced. If the difficulty is medium now, it will only be easy.

As for whether he will bite the gold halfway, Ye Jingcheng is not worried about this. First of all, judging from the current situation, although there are not eight out of ten banks that have failed to operate due to the real estate plunge this time, there are still three or five banks, and other investors may not necessarily look at overseas trusts.

The second is that the next situation is still unclear, and a successful businessman will never act rashly, unless this person, like Ye Jingcheng, has been rushing to this bank from the beginning.

Moreover, even if the bank is fully acquired, it will definitely be burdened with billions of foreign debts owed by the bank. Not everyone can be like Ye Jingcheng, who has abundant liquidity in his hands.

The vast majority of successful people, including Lee, have a bigger business and less liquidity. This ratio could be one to ten, one to twenty, or even a sum of thirty.

To come up with billions of dollars to liacost this bank, this person must have at least tens of billions of assets, this kind of decision must not be made lightly, and a bad one may even affect their main business.

Ye Jingcheng does not have this problem, which belongs to his personal assets, and he has at least half of the liquidity.

In other words, now that he has assets of at least 6 billion, he can come up with 3 billion in liquidity, which is absolutely the only one on Hong Kong Island.

At this time, including Ye Jingcheng, Zhang Mingtian, the current chairman of the bank, and Cao Yao, who is also one of the founders, sat around the conference room for discussion.

"Ye Shao, since the last bidding meeting, my brother has been very concerned about you." Zhang Mingtian said politely.

Although it was a normal compliment, he had a different idea in his heart. For Ye Jingcheng to make this achievement at this age, he doesn't feel that he should admire each other.

Even Zhang Mingtian still has a little contempt for Ye Jingcheng, thinking that the latter just relies on luck to get to the top. If you really have the ability, you don't need to come up to him now, and you still have to discuss the issue of mortgage loans.

"Zhang Sheng, Cao Sheng, I think it's better to talk about business first." Ye Jingcheng accessed the topic.

That's right, Ye Jingcheng does want to mortgage the loan from the overseas trust. In fact, with the liquidity in his hand, it is completely enough to operate this plan, so why do you need to do more.

Ye Jingcheng is not interested in this borrowed money, but the mortgage loan is a major premise for him to promote this turmoil.

Because if he didn't do this, how could he squeeze out the liquidity of the overseas trust, and when it experienced a big dive in real estate, it didn't even have a chance to struggle, so it could only obediently accept his full acquisition.

"Ye Sheng, according to the property you said on the phone before, I have asked the appraiser of the bank to do an appraisal for you." Immediately, Zhang Mingtian restrained his smile and faced Ye Jingcheng with an attitude of handling official business.

At the same time, a document was handed over to Ye Jingcheng, which was the appraisal of the property he intended to pledge. These include the tens of thousands of square feet of mansion he bought in Repulse Bay, a department store that bought land from auction and then built, and Qinglan Entertainment and Nanguo Cinema Line were also mortgaged.

"Yes, I don't know what kind of investment Ye Shao plans to make?" Zhang Mingtian asked curiously.

…… (To be continued.) )