"Big brother, Chen Zhiwen acquired Hisense Bank, so do we still want to take this money? We're coming soon? At a Hisense Bank branch in Tsim Sha Tsui, among the countless people in line, a man in his early 20s asked people around him.

The man called the eldest brother thought for a while and said: "Chen Zhiwen's worth far exceeds that of Hisense Bank, if he acquires Hisense Bank, then Hisense Bank's debt should not be a problem." ”

"So we don't take it?" The younger brother asked again.

"Let's wait and see how others react." The eldest brother originally thought that it should be fine, but he still felt that he should see what others would do.

"Okay." The little brother nodded and said.

As the eldest brother expected, everyone in the entire branch soon knew about it, because the bank's account manager was already holding a loudspeaker everywhere, and some of the people at the scene were suspicious, and the bank was also very generous, and directly lent their own phones to the depositors on the scene, and several depositors immediately called their friends to confirm the matter.

Suddenly, everyone stopped crowding, after all, they no longer needed to move to the direction of the counter to withdraw money, even the people next to the counter subconsciously dispersed, and the staff who were still busy just now suddenly became idle.

Suddenly, a person suddenly shouted, ran to the counter, and said, "Miss, can you deposit my money again, just because I haven't taken it, okay?" ”

"I'm afraid it won't work, sir." The cashier at the counter was stunned, and hurriedly said, the withdrawal procedures have been completed, and of course it is okay to deposit money again, but if you haven't withdrawn it, you naturally can't, and when you think about it, you understand that the other party must have lost interest before, and now you regret it.

"It's okay, it's okay, it's been a long queue, otherwise mine would have been taken out." The person who was observing this matter behind him also understood what the reason was, and suddenly breathed a sigh of relief in his heart, fortunately, otherwise, the interest would have been lost.

"Sir, the withdrawal procedures have been completed, you were willing to withdraw it before, you voluntarily withdraw, this signature is still there, if you are still willing to continue to deposit in our bank, I can give you the highest discount within the scope of my authority." The bank lobby manager, who was still persuading people not to withdraw money, is now the other way around, and the world is so magical.

"I just withdrew 300,000 yuan, and I lost 30,000 yuan in interest alone, is there any other way, I have lost too much." The man in front of the counter clearly refused to leave.

"I'm sorry, sir, I really can't help it, banks all over the world are like this, it's impossible for you to default and withdraw the money, and we still pay interest." The lobby manager said embarrassedly. This kind of thing, unless the big leaders above agree, is absolutely impossible.

It seemed that some people had regained their senses, and the people who came also stood up, and then walked out, how excited they were when they just took it out, and how lost they were now, at this moment, the people outside the bank dispersed a little, and the people in the hall were not so crowded.

"I lost 30,000 all at once, it's so pitiful." A young bank clerk who looked to be in her early 20s whispered.

"Pity your size, people have 300,000 cash deposits, or are they just in one of our banks, can you be pitiful?" The lobby manager was angry, he was almost forced to death by these people just now, and now he has just improved, so he pities these people, and besides, you poor ghost still pity the rich people?

"Oh." The little girl was beaten by the leader and quickly dodged.

The same thing happened in all Hisense Bank branches in Hong Kong and even Macau, some people cried with joy, their deposits were safe, and they didn't need to worry about their lifelong deposits suddenly gone, and a small number of people were angry and lost a lot of interest.

Hong Kong, Hisense Bank Building Headquarters.

This building, located in Wan Chai District, was built in the 60s, with only 12 floors, although the buildings in this vicinity are not very high, but most of them are more than 20 floors, and the Hisense Bank Building is very short.

But this is also normal, the younger the old building, the lower the natural floor, even if it is HSBC, the current HSBC, its new headquarters building has not yet been built, it is still in the headquarters building that is only 7 floors high, but the difference is that the headquarters building of HSBC Bank, the landing area is large enough.

"This building is a little too old, and it's too short, let's find some architects, design some sketches first, and then tear it down and build a new one after a while." Chen Zhiwen just came to the downstairs of the building, and after taking a look around, he said to Li Haonan and Zhou Jiayang beside him.

He naturally doesn't look down on the building that is too old and too small,It is estimated that it is Hisense Bank itself,If you don't find out that you have been defrauded of 66 million US dollars,Normal development is estimated to be changed in a few years.

And now that he has acquired Hisense Bank, he will inevitably invest resources into it in the future to make its scale develop faster, so that this old headquarters building is definitely not enough in area, and it does not meet the cards of big banks.

"This matter is entrusted to me, and Hutchison's current construction team has undertaken several buildings and has a lot of experience, but the design may still need to hire a professional company." Zhou Jiayang said with a smile.

"Okay, I'll leave it to you." Chen Zhiwen nodded and said.

Hutchison Infrastructure, as early as 1975 when Hutchison was acquired, Chen Zhiwen deliberately asked Zhou Jiayang to focus on supporting this subsidiary, in order to facilitate future investment in the field of construction and infrastructure, over the years, Hutchison and Wharf have also developed countless properties, at the beginning of which it was naturally outsourced, but Hutchison Infrastructure was also involved in it, learning quickly, growing on its own, if it was not fast enough, then it was dug up together with the other party's talents, anyway, Hutchison's welfare for employees is also among the top in Hong Kong, second only to the United States, Red Bull is a profiteering business.

Later, Hutchison Infrastructure not only undertook its own company's business alone, but also began to undertake external orders, and also made good results, more than 30 floors of buildings, also participated in the construction of several times, but the design may be a little worse, Hutchison also intends to set up a design company, but Hong Kong does not have top talents in this area. At present, in Hong Kong, ordinary buildings are directly imitated from other buildings, and the design of super skyscrapers is still invited by overseas companies.

Li Haonan on the side, followed behind Chen Zhiwen, and said: "Chen Sheng, I have roughly checked the account situation of Hisense, the run during this period of time, at least more than one billion Hong Kong dollars have been lost, and if you build a building, I am afraid you will have to be supported by the head office." ”

"That's fine." Chen Zhiwen said casually, a bank that has been run on must have a lot of internal losses and messy accounts, otherwise it would not have been bought by him at a price almost the price of cabbage.

Several people came to an office on the 12th floor.

"Chen Sheng, this is the office of the chairman of Hisense Bank." Li Haonan introduced.

"Well, it's not bad." Chen Zhiwen said that although the outside of the building is a little worse, the interior is still very luxurious.

"Last year, when Zhang Mingtian was still alive, he used to decorate, but unfortunately he passed away before he could enjoy it." Li Haonan said.

"Zhang Mingtian is indeed a powerful person, it took less than 30 years to develop Hisense Bank to its current scale, if he is still alive, the 60 million US dollars may be handled differently." Chen Zhiwen sighed and said.

Hong Kong, a small city of millions of people, has given birth to a large number of business wizards, especially in the forties and fifties, Li Jiacheng and the like, in fact, are the second generation, and the earliest generation, the age is almost the time, and they have passed away one after another, and even Dong Chuanwang died last month.

Several people chose to sit down on a few sofas in the reception area, Li Haonan continued: "Chen Sheng, the current Hisense Bank, although we have acquired it, but some problems still need to be solved, a loss of 60 million US dollars, this account can only be a deficit, we need to make up for it, and what is more troublesome is a large number of people who have withdrawn deposits, although they have lost interest, but this has led to the basic depletion of our reserve funds, according to the provisions of the Hong Kong Government Banking Law, we need to be within 2 months, Otherwise, there will be restrictions on the licensing of this amount of money, and then it will be troublesome, unless you talk to the Governor. ”

"Don't think about it, the Governor's favor will not be used here, how much money is missing?" Chen Zhiwen asked. If you can solve the problem with money, don't use favors at will, this is the unified concept of super-rich people anywhere in the world, if you feel that the favor of big people is not as good as money, then there is a high probability that you will not be able to develop at this level.

"We have to make up almost 2 billion Hong Kong dollars, and the 500 million we borrowed before can be returned, but there is still a shortage of 1.5 billion." Li Haonan said.

"Money is not a problem, but there is no need to put our funds here, the money in it should be the user's deposit." Chen Zhiwen thought for a while and said: "That's it, come up with a rebate policy, so that the people who took the money before can save it back, such as a small amount, 10,000 Hong Kong dollars, as long as they deposit it back, we can return 50% of the interest they lost before, 30% for 100,000 yuan, and more for less, as long as half of these people save their money back, the basic operation of Hisense Bank should not be a problem, right?" ”

"Chen Sheng, this is indeed a good method, but the price is not a bit big, the bank is run, and the only benefit is the interest deducted from the user's fixed deposit." Zhou Jiayang asked.

"It doesn't matter, this money may add up to less than 100 million, if these people don't come back, we need to put money into it ourselves, or reduce our loan amount, in the long run, so that there is no loss, and this run is also a loss for many ordinary people, we don't need to make such a little money." Chen Zhiwen said.

The interest on Shengdou Xiaomin's deposit is actually not much, and he doesn't care much about this benefit, but for these Shengdou Xiaomin, it may be a few months of net income, which is a lot. And those who save more, return less, small capitalists or middle class, the ability to resist risks is a little stronger.

"That's fine, one is that we don't need to take a lot of money to fill the loopholes of Hisense Bank, and the second is a new phenomenon that can set up our Hisense Bank in Hong Kong, and maybe attract more people to deposit." Li Haonan nodded and said.

"Yes, attracting more people to deposit with me is my most important purpose, and it is also the main business of Hisense Bank in the future." Chen Zhiwen nodded, looked at a young man who was similar to himself next to him and said, "Jianning, this will be your first task." ”

"Understood, Mr. Chen." Huo Jianning hurriedly replied.

Zhou Jiayang and Li Haonan both glanced at Huo Jianning, and couldn't help but sigh in their hearts that this person's luck is really good, just entered the company, was designated by Chen Zhiwen to be one of his assistants, responsible for handling part of the business in the United States, and because of his excellent grades, he was also sent by Chen Zhiwen to the United States JPMorgan Chase Bank to study for half a year, and after coming back, he became one of the heads of Galaxy Trading in the mainland.

This kind of workplace upgrade speed is simply outrageous, and more importantly, this person is not yet 30 years old.

"In the past month, I have also asked you to check many laws and business models of Hong Kong banks, and now Hisense Bank, what do you think?" Chen Zhiwen asked again.

For talents, Chen Zhiwen naturally attaches great importance to Huo Jianning is such a famous working emperor in later generations, he is naturally very concerned, so, in 79, after Huo Jianning returned to Hong Kong after graduating from the United States, he was admitted by Chen Zhiwen, and then focused on training.

As far as he knows, in the original history, Huo Jianning entered Cheung Kong in 79 years, and then became a director of Hutchison Whampoa in 84 years.

And in the past few years, Huo Jianning has not disappointed him, and he has done a good job in every position he has exercised, so when he was preparing to acquire Hisense, he was ready to let him serve as the general manager.

Although in the original history, Huo Jianning did not hold a position in a bank, but there is always a vision, whether it is an enterprise or a bank, they need vision, the difference is that enterprises need to go on their own, while banks lend to such enterprises.

"With the financial strength of our group and Chen Sheng's popularity in Hong Kong, the future of bank deposits will certainly not be a problem, but the problem is that the current Hong Kong economy, the real estate market has been sluggish, and our money is sucked in, but it may not be able to lend out, or because of the competition with other banks, the interest rate of the loan must be reduced a lot." Huo Jianning analyzed: "So I think we need to expand our overseas business, like HSBC, and go out, otherwise the scale of our bank will always be limited by the Hong Kong market." ”

"The overseas market is huge, what is your first target?" Chen Zhiwen asked.

"In Southeast Asia, the development of local banks in these places is not perfect, and it is also the expansion scope of foreign banks in Europe, the United States and Japan. Huo Jianning said.

"Okay, you can try it slowly first, but that's for later, I'll give you two tasks." Chen Zhiwen paused and said: "First, absorb a large amount of Hong Kong savings deposits as soon as possible, if appropriate, you can increase a little interest, and then this money will be slowly converted into US dollars, and second, as far as I know, Hongkong Land is currently short of cash, you can cooperate with them, but don't be too proactive." ”

(End of chapter)