A week later, Star River Tower, Hong Kong:

"Chen Sheng, the loan from Hisense Bank has come down, and 500 million Hong Kong dollars has arrived in our account." Early in the morning, Li Haonan came to report.

"The speed is quite fast, it seems that Huangchang has wasted a lot of effort." Chen Zhiwen said with a smile that for a bank with a deposit of only 12 billion Hong Kong dollars, it is still a bit difficult to issue a loan of 500 million yuan in a short period of time, because under normal circumstances, a large number of deposits must be lent out, and the bank itself only retains the minimum amount stipulated by the government, in Hong Kong, this amount is currently 20%, and it can take out 500 million yuan so quickly, either using this guaranteed fund, or urgently borrowing from other places.

"Yes, it is said to be borrowed from several overseas banks." Li Haonan said: "We have arranged for someone to contact a deputy chief financial officer of Hisense Bank, he is willing to cooperate with us, but he can't get the substantive evidence that Hisense Bank's senior management has made false accounts, but he took out a lot of evidence of abnormal fund transfers of Hisense Group, which is actually the performance of Hisense Bank in order to fill this bad debt, he wants 1 million US dollars, and then we arrange to send him abroad, he needs to ensure his safety, and he also proposed to work for our group overseas." ”

"It's impossible, you can give money, but you can work for us." Chen Zhiwen shook his head and said, what you do naturally has to be rewarded, the vice president of finance of SITC Bank, the migrant workers in Hong Kong are also considered high-end, there are hundreds of thousands of Hong Kong dollars a normal year, even if Hisense goes bankrupt one day, as long as he is not overly involved in doing fake accounts, it is no problem to change jobs, and report his company, even if it is no problem legally, but this also cuts off his job search in Hong Kong and even other countries, because no company will want such a person.

Compared to a third-tier bank in Hong Kong, a bank with a well-established banking system, a large number of customers, or even a bank that has begun to deploy overseas, this amount of money is nothing, and most importantly, the life of the person who reported it may really be in danger.

In general, business wars are all kinds of high-IQ games within the scope of the law, but in reality, it is another matter, forcing the dog to jump off the wall in a hurry, anything can happen, for example, Jianing Group was strictly investigated by the Hong Kong government next year, because an auditor of a large bank in Malaysia was killed, which almost caused foreign and diplomatic disputes and seriously damaged Hong Kong's economic image.

"This man has a tough attitude, he has to have a job, and if he does, I'm afraid it will delay our plans." Li Haonan said with some worry, arranging a job for a person, with his position, is actually very easy, with an annual salary of millions of Hong Kong dollars, they can be directly appointed at the top of the group, and the boss generally doesn't care much, but this person is a little sensitive, and the boss must agree.

"That's it, ask him which country he is going to, over there, let him invest in a store by himself and be a distributor of beauty, in this case, it is just an ordinary cooperative relationship with us." Chen Zhiwen thought about it and said, there is indeed no need to delay time because of such a trivial matter, it is not worth it.

"Okay, then I'll arrange it." Li Haonan agreed, and then asked: "Then what should we do with the 500 million Hong Kong dollars we obtained?" ”

"Let's keep it for now,If it's fast,Hisense we acquired it,This money is also integrated with the bank,There's nothing to invest in for the time being。 Chen Zhiwen said,He is not short of 500 million Hong Kong dollars at all,Purely to increase the financial pressure of Hisense Bank,If you acquire it,This pressure will become your own,When the right hand is still left,Just clear the account,Besides,There is really no good investment object in Hong Kong at present。

After entering 1982, many major events happened in Hong Kong.

The biggest impact of this, of course, is the land price and stock prices both plummeted, the entire Hong Kong housing and land transaction prices, in addition to the vicinity of Yuen Long Midea Industrial City can also be stabilized, other places have entered the decline mode, even Central can not bear, last year Hongkong Land bought the king of 7.3 billion Hong Kong dollars, now according to the nearby land prices, at most only 5 billion Hong Kong dollars, this project alone, half a year to lose 2 billion Hong Kong dollars, for a while, Hongkong land has become a leisure topic for Hong Kong people.

In March this year, Hongkong Land and Yida Group won a large-scale villa project in Baibishan for 1.38 billion Hong Kong dollars, and acquired 34.9% of the shares of Hong Kong Telephone Company for 3.5 billion Hong Kong dollars.

In the stock market, the Hang Seng Index has been falling in waves since hitting a peak of 1,860 points last year, and now it is less than 1,200 points.

Although it is not a sudden plunge like in the previous 73 years, but the long-term chronic also has a serious impact on the society, especially banks, under the trend of real estate slump, there are very few new projects, and the collateral of many real estate companies, whether it is property or stocks, has begun to fall, mortgage risk has increased, income has decreased, and all banks have a hard time.

On May 5, a powerful piece of news was sent from Ming Pao: an unknown senior executive of Hong Kong Ocean Trust Bank, with evidence of abnormal transactions of Hisense Bank, walked into the Hong Kong Independent Commission Against Corruption and made a real-name report to conceal bad debts from the public and the government, and the suspected funds were as high as 300 million Hong Kong dollars.

As soon as this news came out, the stock price of Hisense Bank immediately plummeted by 3 percent, and the Hang Seng Index immediately fell to 30 points, and everyone in the stock exchange immediately got busy, either a bunch of Hisense shareholders were in a hurry to sell their stocks, or a bunch of staff members followed the phone to sell their stocks.

Hisense Bank, which reacted, immediately held a press conference,Claiming that the matter was made out of nothing,It was deliberately framed by a friend,But in the face of follow-up reporters' questions,And the answer is a little inadequate,It's all unclear about the situation,A little eyesight,We all know that there must be a problem within Hisense Bank,But whether there is 300 million Hong Kong dollars,I don't know。

After the press conference, Huang Changzan sat on the sofa in his office with a tired face, just at the press conference, he was asked questions by a group of tricky reporters, and was asked several times speechless, although the press conference was only half an hour, but it made him feel as if a few months had passed.

At this moment, there are several vice presidents of Hisense Bank by his side, and these people can be said to be the core executives of Hisense Bank at present.

"Did you find out what evidence Shen Changqing brought to the Independent Commission Against Corruption?" After resting for a moment, Huang Changzan broke the silence and asked.

"I don't know, he is one of the people in charge of finance, even if he can't access our core data, he will definitely find an anomaly in our transfer, and this anomaly alone must indicate that there is a problem." Xie Hongbing, the chief financial officer of Hisense Bank, said.

"Are you sure he doesn't have access to our core data? So how did the outside world know that we had a bad debt of HK$300 million? This figure is less than 5% different from our actual accounting, how do you explain it? Huang Changzan asked.

"This" Xie Hongbing was speechless when asked, involving the concealment of more than 60 million US dollars in bad debts, this operation will definitely not be hidden from some middle and high-level people in the bank, but they will only know that there is a problem, and it is impossible to know how much it is, and there are only a few people present in the entire bank who know this data, and no one knows why Shen Changqing, who reported it, said this data.

"The question now is not Shen Changqing, but how we will face the investigation of the Independent Commission Against Corruption next, and temporarily reassure the public's confidence, otherwise, once there is a run, even if the Independent Commission Against Corruption finds out nothing, we will all be finished." Another executive said that in the face of a large-scale run, a normal bank will definitely not be able to bear it, and if the money is given, the bank's internal funds will definitely not be enough, and if it is not given, once the news comes out, it will only cause a more serious run, and even its other partners will be forced to ask for debts, and the whole building will completely collapse.

"According to the process, the Independent Commission Against Corruption will come to investigate soon, and this matter cannot be hidden, such a big bad debt, unless the same funds are found from other places to fill in first." Xie Hongbing said.

"If you can find so many funds to fill in, you have already found it, so why wait until today." Huang Chang said with admiration.

"We didn't borrow 500 million Hong Kong dollars from a few Japanese banks before, can we borrow some more, first pass the current level, as long as we stabilize the Independent Commission Against Corruption, and then we find a way to stabilize those users who may run on the bank, we can temporarily pass that level." Xie Hongbing said.

"I was able to borrow 500 million yuan before, because of Chen Zhiwen's three words, and the property mortgage he took out, what can we mortgage in Hisense Bank now? Especially now that this matter has been exposed, if it weren't for Chen Zhiwen, if it was someone else's loan, it is estimated that the Bank of Japan would immediately urge us to borrow funds. Huang Changzan said.

"Then there's only one way left, and that's a bit risky." Another said.

"How?" Hope burned in everyone's hearts.

"Give the people of the Independent Commission Against Corruption a little favor." Said the proposer.

"Are you looking for death? And the people of the Independent Commission Against Corruption, are they so easily persuaded by you? Huang Changzan almost vomited out a mouthful of old blood, he could come up with such a bad idea, but he was really capable, originally they were just concealing the crime, which is not a serious economic crime, even if the amount involved is large, even if it goes in, it will come out in a few years, but if you add bribes and bribes to the ICAC, the future punishability will be several times greater.

"Even if you really buy the people of the ICAC, this matter is so big, if nothing can be found, the Hong Kong government will definitely ask about it, and everyone will die even more miserably at that time." Xie Hongbing also said speechlessly.

The person who proposed nodded and said: "Of course I know that this is an act of looking for death, but what we need to do is not to let the people of the ICAC not investigate, but to slow down a little later, in fact, we all know that once the ICAC investigates, this matter cannot be concealed at all, but if we can find out later, we will have a time to stabilize the situation outside, as long as we suppress the run and find someone who can help us get through the difficulties, then the bad debts will be broken out in the future, and the matter will be controlled."

Besides, the main responsibility for this matter is still the deceased Zhang Mingtian, we can say that we have just taken over the bank, and it is not clear about this matter, as long as the bank does not collapse and does not cause a financial run crisis, then spend some money to hire a barrister, maybe all of us here can avoid prison. ”

After saying that,Everyone is quiet,To be able to avoid prison,It's everyone's greatest hope at present,These people,In fact, in the era of Zhang Mingtian (founder of Hisense,Died in February),I already know about it,Said that there must be responsibility,But after all, the main responsibility is Zhang Mingtian,As long as it doesn't cause a run crisis,It's really possible to push all the responsibility away,Even after being spared from prison,They can keep their current jobs。

But if it is not well controlled, resulting in a run and the bank goes bankrupt, then the Hong Kong government will inevitably spend a lot of money to clean up this mess, and then they will definitely not be able to eat and walk around.

"But if it's still discovered, we." Another whispered.

"In this way, we people don't come forward, find someone else, let this person go to the ICAC, hint at it, but we must find a barrister, negotiate how to say it, and stand on the law in terms of words, and ensure that even if the ICAC catches this person in turn, even if his conversation is recorded, it can be ripped off, and the lawyer will shirk the responsibility, and again, the responsibility will be cleared from us." Huang Changzan thought for a while, and finally agreed.

In order to conceal a thing, it may be necessary to take greater risks to suppress this matter, but people are lucky, no matter what, you have to try, many barristers in Hong Kong are actually dedicated to serving the wealthy and nobles, especially those who are proficient in business, and are best at exonerating the rich and their families.

"Okay, I'll go discuss this matter with Zhang Dazhuo." The proposer agreed.

Xie Hongbing said: "The ICAC side can only do this, but we must also find someone who can support us, otherwise, once the facts are found out, I am afraid that our accounts will be frozen immediately, and at that time, I am afraid that even the lawyer will ignore us." ”

"I am afraid that the only one who can help us is HSBC, but if we look for them, we will only end up being annexed like Hang Seng, besides, HSBC has been intending to internationalize over the years, and may not be willing to spend so much money to help us, after having Hang Seng, they are probably not very interested in acquiring other Chinese-funded banks." Huang Changzan frowned and said.

Xie Hongbing said: "Then, what about Chen Zhiwen? Although he doesn't have a bank, with his financial resources, it is easy for us to help. ”

"We just worked with someone? Will he be willing to help us? One said.

Huang Changzan thought for a moment, nodded and said: "This seems to be the only way, I will find a chance to meet Li Haonan again, he is a celebrity next to Chen Zhiwen, he should be able to bring a sentence." ”

Before the people inside could speak, a young man in his 30s walked in and said, "Mr. Huang, the people from the Independent Commission Against Corruption have gone downstairs, and news has come from our branch, and many people have begun to line up to withdraw cash." ”

(End of chapter)