"The registered capital of the bank needs to be 1 million Hong Kong dollars, and a fixed proportion of money needs to be transferred to the HKMA account every month, and the registered capital of the bank only needs to be 100,000 yuan."

"In addition, the interest rate of the bank is thick, the interest rate of the bank is thin, and most of the Chinese depositors still like to deposit in the bank." Qiu De even has a relative who runs a money bank in Shanghai, but he has a certain understanding of the banking industry, and since he was in charge of the accounting company, he has a deep understanding of the banking industry on Hong Kong Island, and has taken the initiative to inquire about relevant news.

Historically, he became a big boss of the upper class community by founding the "Far Eastern Bank", and the chairman of the Far Eastern Group has also become his biggest golden signboard.

He Dingxian heard that Qiu Degen's speech was very tactful, it was nothing more than that he didn't even have the capital to register a bank, and at present, Hong Kong Island Bank was still the self-reserved land of major foreign banks, and no one could get involved in Chinese businessmen except for a few outstanding people.

In addition to the different groups of depositors, banks and banks actually rely on credit endorsement, and the storage method is roughly the same.

In the era when there were no electronic systems and ATMs, to go to the bank, money bank deposit and withdrawal, either with paper accounts, checks, etc., or with the bank's silver bill, there is no essential difference between the two, the bank has a registered check, bearer check, bank cashier's check, money also has a fixed amount, irregular amount draft, etc., the Hong Kong dollar itself is a kind of "bill" endorsed by the Hong Kong government with credit.

The Hong Kong government itself does not print Hong Kong dollars, and the three major note-issuing banks need to purchase the "interest-free bonds" of the Hong Kong Government's Exchange Fund with "full foreign exchange" to obtain the banknote printing quota, commonly known as "how much foreign exchange is paid and how much money is printed", which is not a little bit of water, which is equivalent to giving up the "right to inject water" into the government's banknotes, which is also an important reason why the Hong Kong dollar has been strong.

At present, the three major banknote issuers on Hong Kong Island are "Standard Chartered", "HSBC", and "Advantage", and the former note-issuing banks also include the "Oriental Huili Bank" and an all-British-funded bank from India to Hong Kong, but due to the failure in financial operations, it closed down due to the loss of Ceylon coffee, and was acquired by HSBC and listed on the backdoor, that is to say, HSBC itself has no right to print money, but only stole the chicken of "CIBD Bank".

Only HSBC is a mixture of British, American, German and other multinational capitals, and then continues to increase shares, filled with Chinese, and even state-owned backgrounds, and has been sitting big until the next century.

"HSBC" is a successful representative of capital without borders, undoubtedly full of capitalist mercenary attributes, but it is undeniably a heavyweight in the East Asian banking industry.

He Dingxian nodded slowly: "Okay, lard boy, go to the account and give 130,000 yuan to Mr. Qiu, and recruit some people to set up the money bank." ”

"Rent a house in a good location, put it in Mong Kok, and decorate the façade."

Lard Boy said excitedly, and readily agreed: "Got it, big boss." ”

Qiu De swallowed a saliva, and he couldn't suppress the excitement in his heart.

Those who come out to work are not afraid of the boss's fierceness, but they are afraid that the boss will not have the guts, and they will do a small business all their lives and have no future!

The big boss gambled his life to rush up, and he wanted to use the people under his hands, and the younger brothers naturally had a chance.

If he stayed in the movie store to work for the Shaw brothers and his sons, he would have been a small manager all his life, and now he will become a money bank boss.

It's like a war, you will be promoted and make a fortune, and the opportunity to seal your wife and children will come!

"Big boss, I must work hard to handle the silver number." Qiu De also said.

He Dingxian bowed slightly: "The accounting team will select a few hard-working people to go to the silver account, and it is indispensable to settle accounts for running a bank, and then choose a trustworthy person to continue to manage the accounting company." ”

Qiu De said: "Don't worry, big boss, I will arrange the accounting, and I will continue to keep an eye on it in the future." ”

At present, the accounting company undertakes the business of the entire Hong Kong Island, plus Kowloon Mong Kok, Sham Shui Po, Yau Ma Tei and Kowloon Tong, and the monthly water supply is also 10,000 or 20,000.

The size is a piece of meat, and it is impossible to give it up easily.

"Let's go out and get busy, leave the matter of absorbing savings to me, and the things at the bottom will be done quickly, and the money bank will definitely open within two months."

He Dingxian set a time and said slowly: "If you want to fight in an enclosure, you will be better than a silver bullet!" ”

"We'll fight him to the end!"

"Yes, Big Boss." Lard Boy and Qiu Degen agreed, got up and left the office together, the two just walked out of the door of the errand hall, Qiu De raised his head and glanced at the sky, when he lowered his head, Lard Boy grabbed his shoulders and said loudly: "Qiu Sheng, developed!" ”

"Brother Zai, don't laugh at me, if you don't help the big boss fight this battle, I'm afraid I will sink into the sea with the big boss." Qiu De shook his head and smiled bitterly.

The lard boy had a pile of fat on his face, and he smiled fiercely: "If you gamble with your life, if you succeed, you will soar, and if you lose, you will lose, take it easy......"

He knows the business vision of the big boss better than anyone else, and believes very much that since the big boss dares to gamble, he must be sure of winning the bet.

"You just have to remember that on Hong Kong Island, what Mr. Ho likes will be Mr. Ho's sooner or later."

Qiu De even heard that his cold hair stood up, his heart was like an electric shock, he was stunned for a moment, and then nodded: "Yes, Brother Zai is right." ”

"Tell me something with you, squatting in that corner drinking Coke, did Ah Kun who was reading the newspaper see it?" Lard Boy suddenly glanced at the street: "He has been reading the newspaper on Taiwan Island recently, do you know why?" ”

"For?"

"Because he heard that the big boss wanted to buy the copyright of martial arts, and he learned to buy the copyright like the big boss, but he didn't dare to grab the territory of the literati on Hong Kong Island with the big boss, so he secretly read the newspapers on Taiwan Island, and recently the Taiwan Island newspaper also began to learn from Hong Kong Island serialized martial arts."

"Last time, he scraped together 2,000 yuan and mailed it to Taiwan Island and bought a copyright called 'Wolongsheng'."

Qiu De's expression was even more stunned: "You have brains." ”

"It's useless to have brains, there are many smart people in the world." Lard Boy sneered, and said in a meaningful tone: "The smarter people think, the easier it is to make mistakes and blindly self-consciously, but there are few hard-working people in the world, and you lack a part of Ah Kun's heart." ”

"Intentions for the big boss!"

Qiu De's face changed and changed, his eyes were very complicated, and after a long time, he withdrew his gaze and nodded heavily: "I will learn from him." ”

"Did the big boss say that the silver number is called a name?" Lard asked suddenly.

Qiu De shook his head even more, and nodded again: "Although I didn't say it, but if I didn't say it, it is equivalent to saying it, Dongfang Yinhao, and the big boss's business name are all called by one name." ”

"It's good to remember, this is the mind and ambition of the big boss, some things can be done without the big boss talking, and it will make the big boss comfortable." Lard Boy is really a clever and clever person, patted Qiu Degen on the shoulder and finally said: "Congratulations, you have been reused under the big boss, and now you are the Oriental Silver Number, and you may be the boss of the Oriental Bank in the future." ”

Qiu De also sneered, and thought to himself: "If there is really that day, I will not go back to the ten-mile foreign market and be the president of the Oriental Bank, which is much more majestic than being a comprador of a foreign bank, and it can be blown down for generations!" When the name is shouted, it is a wealthy family. ”

Lard Boy really thinks that Qiu Degen will be more promising than Wu Shihao in the future, but for now, the most promising person under the big boss is still himself!

The second is Ni Kun, not because the two of them have any special skills, but because they are closest to the big boss, as the "secretary" and "driver" of the big boss, the two are born to be the shadow of the big boss, and they are naturally much more promising than others.

Although the outside world thinks that Lard Boy is a rent collector, he has secretly raised himself by one level, and the rent collector is just working, and it is ideal to be a secretary to the big boss!

He Dingxian sat in the office, and he really thought that he could do a good job of the silver number, and he might be able to become a bank in the future.

Although there has always been a market for the money bank industry on Hong Kong Island, it will gradually transition to underground money banks in the future, and the regular business will be seized by banks.

Banks have natural advantages in publicity, savings, and investment, and even if they are supervised by the Financial Bureau, their returns are 100 times larger than that of money banks.

The 50s to 60s was an era of the rise of the banking industry, because of the convergence of the shipping industry and the land industry, resulting in strong financial demand, and the banking industry in the decades without stagnation of the connection, coupled with the mainland after the reform and opening of the country is destined to take Hong Kong Island as a financial window, in a city known as the "Oriental Wall Street", it is too stupid to do money and not to do banks.

Of course, in the era of frantic expansion of the shipping industry and the real estate industry, coupled with the turbulent international situation, the financial crisis and other reasons, in the 60s, 70s, and 90s, almost all of them had stock market crashes and bank failures.

If the Oriental Bank can really do it, maybe it will have a chance to get the "right to issue notes", but it is a big deal to learn from the backdoor listing of "HSBC", and at the worst of all, you can use the identity of a patriotic banker to wait until 97 to buy a license and come back.

The "right to issue banknotes" itself is not profitable, but the banks with the "right to issue banknotes" have a loud reputation, and the citizens trust them, and the speed at which they absorb deposits is very crazy.

This is also the reason why the "note-issuing bank" is always the top bank in terms of capital.

However, everything was ahead of schedule and the "theater coil battle" was a great success, otherwise the funds could not be withdrawn, the interest could not be cashed out, and the bank went bankrupt in minutes.

It is very common for the banking industry to live and die, and after the explosion of large and small banks, the account funds cannot be cashed out at all.

Because the bank itself is a financial game, and the fact that the formal bank has a healthier system under certain supervision does not mean that it will not fall into a "Ponzi scheme".

If a large investment fails, the bank fails, and there is a run, the still healthy capital chain can be cut off, and in a malicious phrase, all financial games are "Ponzi schemes", which are nothing more than simple and complex differences, and the problems of the game's characters.

The financial turmoil of the cycle is essentially to burst the bubble and blow up some of the scams, so that the rest of the scams can continue to play......

He Dingxian did not deliberately conceal the news that he was going to set up a bank, so much so that when Qiu Degen was preparing for the opening of the bank, there were more or less rumors in the business circles, and there were many well-informed people in the police circles who received the news.

Shanghai Street.

Yongxing Tea Restaurant.

He Dingxian looked at the master in front of him and said with a smile: "Brother Li, are you interested in running a money bank together?" ”

Chen Li was wearing a green uniform, put a police hat on the table, and shouted loudly: "You kid really came to me?" ”

"Hehe, Master, let's make a fortune together." He Dingxian handed over a cigarette and said respectfully: "Can I forget you if I have the opportunity to make a fortune?" ”

"You remember me, I really thank you, huh?" Chen Li smiled at the corner of his mouth, held a cigarette between his fingers, and looked at him: "However, you are really good to me, since you didn't ask me to save money, but asked me to run a money bank together." ”

"How?"

He Dingxian also picked up a cigarette and inhaled lightly: "Take 50,000 yuan, count your two points of shares, and in the future, the silver number will pay dividends according to the shares every year." ”

"It's that simple?"

Chen Li was a little unconvinced, and said frankly: "When someone said that you were going to run a money bank, I was thinking, how do you want to attract money?" ”

"If you don't have the endorsement of a big person, or if you don't have a time-honored brand that has been immersed in the money bank industry for more than ten years, you can often only do some small business of usury and pawn, and then use your reputation to grow bigger step by step."

"But if you want to do this kind of business, just find someone to do it in the jurisdiction, and there is no need to make your own name." He paused and chuckled: "Since you have made your name, you must have to attack yourself in the police force." ”

"That must have started with me!"

He Dingxian smiled helplessly: "Everyone knows your relationship with me, if you don't come to save money when I run a silver account, dare you believe it?" ”

Chen Li nodded as expected: "That's the case, so I have already prepared 100,000 yuan, and I plan to support you." ”

"But I didn't expect me to take a stake, you are paying attention to the Yau Ma Tei Mission, let's talk about it, what to do."

He Dingxian took the lemon tea to his lips, took a sip, and said: "It's very simple, the silver number wants to be bigger, and I don't have enough signboards alone." ”

"I want to pull the entire Chaoshan detective and above colleagues into the venue, with the Chinese police in Hong Kong as the first batch of customers, and the most important group."

"In order to gain the trust of the Chinese police, it is best for all colleagues above the detective level to have shares, and I plan to take out the cake and share it."

"Inspector Hua must have, and the inspectors must also have, so that the short is five years, and the long is one or two decades, as long as Inspector Hua's power is still there, the credibility of the money bank will be guaranteed, and the big guys will have to earn."

If it is a personal business in a certain industry, his character must be reluctant to take it out, but the banking industry itself is a partnership.

From the beginning of its establishment, it is necessary to have the attribute of "fundraising", and every step of expansion, growth, and continuous increase of shares, there is no sole proprietorship bank in the world!

Therefore, he is willing to take out this business to share the cake, as long as he can make the money bigger, it can be regarded as a profit!

Chen Li said thoughtfully: "No one in the Chinese police has ever run a money bank, and no money bank can do the unique business of the China police, so if you do this, there is indeed a chance." ”

"The Chinese policemen are not very rich, but at least they have enough to eat, and they can have some savings, it is not difficult for thousands of Chinese policemen to absorb hundreds of thousands of deposits, and there will be more and more in the future, and millions are also possible, but hundreds of thousands of deposits can satisfy your appetite?"

He said with a blazing gaze: "You are eyeing the fees of the police force and the tens of millions or hundreds of millions of fees at the top level, right?" ”

(End of chapter)