In fact, Zhong Shi had long planned to spread his money to other banks, especially when he made up his mind to make a big profit in the South American market. Standard Chartered and HSBC, the two giant banks, have extremely strong competition in all aspects and regions, and this competitive relationship continues to Shijie everywhere, in Southeast Asia and North America, HSBC has a strong advantage over Standard Chartered in regions such as Africa and South America.

Therefore, he wanted to take this opportunity to withdraw some of the funds from his HSBC account and put them in other bank accounts. Putting money in a bank is the stupidest way to invest, because the income obtained is only a part of the interest, and the interest generated by these interest rates does not necessarily outperform the market or inflation, which means that keeping money in a bank is purely depreciating.

But Zhong Shi couldn't find a better way to invest for a while, so he could only let this part of the cash be put in the bank account, but he had already thought about it, and after this time, he would put this amount of cash into the treasury bond market.

"Mr. Zhong, if you want to withdraw such a large amount of money at once, it may take us a while to prepare." Zheng Yang reacted quickly, and immediately resorted to delaying the army after realizing that Zhong Shi was in urgent need of funds.

According to the usual practice, if there is a large amount of money that needs to be withdrawn, it must be notified to the bank some time in advance, so that the bank has time to prepare, because it is impossible for the banking industry to put cash in the vault to pay interest, and they must also lend cash to earn interest margins, so as to maintain normal operations.

"How long will it take?" Zhong Shi frowned and asked with some surprise. What he needs most now is time. Because according to the course of history, that time is almost up, and he must have all the funds ready in mid-December.

"Half a month!" Zheng Yang secretly looked at Zhong Shi's face, and then said an approximate time, but when he saw Zhong Shi's face suddenly turn from sunny to cloudy, he was overjoyed, and immediately changed his words: "This is just an approximate estimate." In my personal experience, it takes at least 20 days for such a large amount of money to be transferred out, after all, it also takes time for us to draw funds from other places. ”

"So long?" Zhong Shi didn't know that his expression had betrayed his bottom line, and still said to himself: "If I take half of it." And it is mortgaged by Huade Real Estate. So can HSBC lend me a billion dollars? ”

Zheng Yang waited for this sentence, and after having the shares of a real estate giant with a market value of up to 10 billion as collateral, he naturally had no risk considerations, and immediately said: "If that's the case." Then I can call the shots personally. Give you a loan of up to $1.5 billion. ”

It was at this time. Zeng Yuanshuang also finished discussing with the senior management of Standard Chartered, and she re-entered the conference room with brisk steps in an extremely happy mood, and said to Zhong Shi from a distance: "Mr. Zhong." I have just discussed with the company's senior management that I can lend $1.5 billion to Tianyu Fund, which needs to be guaranteed by the capital of Tianyu Fund, and we will have special lawyers and auditors to follow up on the specific details. ”

HSBC and Standard Chartered have no problem in this regard, and the rest is Jeremy, although he has already stated his position just now, but because some targets of Tianyu Fund are used as guarantees by Standard Chartered, Zhong Shi must also find other guarantees.

However, Zhong Shi is not worried, because in addition to this, he has more than two billion dollars in cash, which is enough for Jeremy to lend the same amount of loan. Before he could tell the specific situation, Jeremy unexpectedly said, "Mr. Zhong, we at Chase Bank will take care of the rest!" ”

A total of 5 billion US dollars, in addition to the 2.5 billion initially verbally promised by HSBC and Standard Chartered, there is still half of the amount, Jeremy was ready to eat it as soon as he opened his mouth, which made Zheng Yang and Zeng Yuanshuang a little surprised, you must know that they vaguely know the financial situation of the Zhong family, so they dare to lend so much money with confidence and boldness. As a foreign bank, Jeremy didn't seem to have heard of any business dealings with Tianyu Fund before, how could he be so aggressive and bold?

Although Jeremy was bold, it was precisely this attitude that won Zhong Shi's favor, and he immediately clapped his head and said: "Haode, these loans are not empty gloves white wolves, I still have two and a half billion dollars in cash and investments as a guarantee, and I promise that I will not let you take a little risk." Other than that, I only borrowed for three months, and when the three months were up, I would immediately repay the principal and interest. ”

At this time, the one-year interest rate in the United States has reached an all-time high of 5.5% (annualized), and even the three-month interest rate has reached 5.0% (annualized), which means that the three banks can earn a total of $62.5 million in interest in three months. With such a large profit, I believe they can look a lot better in the financial statements for the fourth quarter.

The reason why Jeremy is so aggressive and bold is not that he does not take into account the risk aspect, but that Chase Bank is facing the risk of other large commercial banks taking over due to its performance. In this case, Chase's top management desperately needs performance improvements in order to be able to sell for a good price in future mergers, and this mentality affects every employee from the top down, including Jeremy in Asia.

Ever since Chase Manhattan Bank set up a branch in Asia, there has always been a feeling that it is impossible to make a move, and in addition to the giant HSBC and Standard Chartered that have long been entrenched here, they also need to face brutal competition from Hong Kong's local small commercial banks and Japanese and Singaporean conglomerates that have long been eyeing the Hong Kong market. In terms of service awareness, conglomerates such as HSBC, which was born in Europe, are no worse than American conglomerates, and even the Bank of Japan has a higher service than them; In terms of maintaining local relationships, they are naturally not as good as the local small and medium-sized banks that have long been entrenched. The only advantage they have is that they have a huge amount of dollar capital.

So when a client offered to borrow money in dollars from Chase Manhattan, Jeremy immediately became very concerned, and when he heard that the client had almost the same amount of dollars as collateral, he had already acquiesced to the business in his heart. Like HSBC and Standard Chartered, their business in North America has not been very smooth, because the United States is a country with highly market-oriented interest rates and the banking industry is extremely developed. It is as if the downtown area of Chicago, where Zhongshi now lives, is adjacent to the three major exchanges in Chicago, and there is not a single HSBC branch until now, which shows the embarrassment of the development of European consortiums in the United States.

The reason why Zhong Shi chose Chase Manhattan was also because of their business network in South America, in fact, during the debt crisis in the 80s, American consortiums had lent money to the governments of these countries on a large scale. Today, when the financial sector is open, these American consortia have long spread their networks to most of the countries that have opened their capital accounts.

Dare to lend such a large amount of money at such a high interest rate, which makes the three of them a little curious about what Zhong Shi is about to do. After a few small talks, Jeremy couldn't help but ask, "Mr. Zhong, can you reveal the direction you want to invest?" ”

"This ......" Zhong Shi looked embarrassed, and he wanted to stop talking, but when he saw the extremely curious expressions on the faces of the three of them, he had the idea of teasing in his heart, "This part of the funds will be invested in the American market, including the capital markets of Canada, the United States, Mexico, Argentina, Brazil and other countries, I can't disclose what it is, after all, this is our internal research results, and it is inconvenient to disclose it to the outside world." ”

What he said is equivalent to not saying it, because normal people know that if you want to invest in an industrial project, three months is definitely not enough. Moreover, Zhong Shi is a fund manager of Tianyu Fund, so such a large-scale financing is naturally invested in the capital market. Zheng Yang and Zeng Yuanshuang couldn't help but feel a little disdain for Zhong Shi, but Jeremy's eyes lit up, and he immediately said: "Since Mr. Zhong wants to invest in so many markets, he definitely needs to exchange, and in this regard, we at Chase Bank can fully help you convert it into the corresponding currency." In terms of exchange rate risk, you can also hedge your risk through our over-the-counter market, which guarantees that your risk is minimized. Alternatively, you can open an account on an exchange in their country through our brokerage portal. In a word, as long as we are in the Americas, there is nothing we can't do. ”

In fact, as they claim, the power of these financial conglomerates in the Americas is astonishing. For example, Chase Manhattan Bank, after the subsequent alliance with the JP Morgan consortium, formed a new JPMorgan Chase Bank, which claimed that there was nothing they could not do within the scope of shijie, as long as they had their supreme VIP black card. Of course, there are very few people who can own such a card.

Jeremy's words made Zheng Yang and Zeng Yuanshuang feel extremely annoyed, they only paid attention to Zhong Shi's failure to disclose the investment target, but ignored Zhong Shi's possibility of exchanging foreign currency, and the subsequent need for currency forward hedging, you must know that these are all businesses, which means a lot of expenses. They were careless, and Jeremy took the lead, and he was naturally very annoyed in his heart. However, they reacted quickly, and after Jeremy said it, they quickly stated that if Bell Stone needed it, they might also strongly support it.

When the funds arrived, Zhong Shi was in a good mood and couldn't help but joke: "In this case, I will use these funds as a guarantee to borrow the relevant currency from your local branch." You make a lot of money, and you earn interest on both dollars and other currencies. ”

From beginning to end, he didn't say what currency he wanted to exchange or how much he wanted to exchange, but he just said something extremely vague to perfunctory them. Because he knew that if he exchanged money through them again, then his jihua would be exposed to these wealthy banks, although these banks would not set up any obstacles, but if they were to be caught by surprise, the possibility of losing the attack in the end would increase a few points, and he definitely didn't want to take this risk.

On the contrary, he cannot reveal his goals prematurely, nor can he keep them hidden to the end, in the final analysis, he must use the energy of these commercial banks to achieve his ultimate goal of overthrowing a country's monetary system. (To be continued......)

PS: Thank you very much for the monthly pass of sailorren! And thank you for keeping me up to think about it!