"What's the situation?" The sharp drop in Hongkong Land's stock naturally alarmed the current top executives of Jardine Land, Niu Bijian and Bao Fuda, together with Simon Keswick, who stayed in Hong Kong and waited for the opportunity, also knew.

As Jardine Matheson Taipan's Niu Bijian, naturally do not need to go to work on time like ordinary people, they generally arrive at the company a little later, after all, older is not as young as younger, but if the company has more things, they will naturally go back later, for them, doing things is no time.

When I was on the road today, I heard the news of Hongkong Land's stock price falling sharply on the radio in the car, but I didn't know why, and after arriving at the company, I hurriedly asked.

A secretary hurriedly picked up the page on the land issue in several newspapers and said: "Mr. Niu Bijian, this morning, several newspapers suddenly revealed that when we took out a loan from Hisense Bank, the information we submitted involved concealment. ”

"Thank you." He didn't lose his temper with his men, and took the newspaper and read it carefully.

"I just said, Chen Zhiwen will definitely dig a trench in the loan." Simon Keswick, who was leisurely drinking coffee on the side, said before Niu Bijian could speak.

"This is the internal information of the Great Agricultural Bank of Thailand, how did you get these newspapers?" Ignoring Simon Keswick, he asked the others around him.

"We are already asking about the Great Agricultural Bank, but when it comes to the bank's internal secrets, they have not yet replied to us." The secretary hurriedly explained that since the newspaper announced the incident, he immediately knew that the matter was big, and immediately called the Thai side, but because of the time difference, he had not yet gone to work, and finally waited until someone connected, but because it involved the bank's secrets, it was necessary to check it internally, and they would not tell outsiders before that.

"Although there is no evidence of our loan from the Thai Danong Bank in these newspapers, the amount and time are clearly written, so either it is a secret leaked by us internally, or it is the Great Agricultural Bank, but the Thai bank, even if the information is leaked, it will not let the media in Hong Kong get it first, let alone know the information that we submitted to Hisense Bank, these two are the same information, it is possible to discover our secret, Niu Bijian, what do you think is the problem?" Simon Keswick sneered indifferently and said that his opportunity had come again, but this time it was also a big crisis.

"Either we are ghosts within us, or Chen Zhiwen got the information from Danong Bank." Niu Bijian said with a pale face, he is not a fool, and he will know what is going on after a little analysis.

"Have you ever wondered, how did Chen Zhiwen know about Danong Bank? Isn't this an inner ghost? Niu Bijian laughed, but there was also a trace of gloom in his heart, and the infighting between himself and Niu Bijian was infighting, but no matter who it was, he would not tolerate a ghost This is a matter of principle.

Now it seems that Chen Zhiwen must be behind this. It turned out that this trick was played, trying to force us to repay our debts. Niu Bijian said coldly.

Under normal circumstances, no matter how much money Hongkong Land owes, as long as the interest and part of the principal are repaid in accordance with the contract, the bank has no right to intervene, nor can it collect debts.

In addition, the rules of the banking industry cannot be completely rigid in accordance with the contract, if the customer is forced to repay the money because of a small problem, it will offend all customer groups and ruin the reputation of their bank, after all, where to do business, how many people can guarantee that their business is fine? Or is it good now, but what about later?

The bank that chases after the slightest problem, and no one wants to cooperate with you. Business cooperation, where appropriate, everyone can give in a little, or turn a blind eye.

However, if there is a problem with the large amount of financial information provided, it is a principled deception of the bank loan, which will not only be held accountable, but if it cannot be repaid, it may even be criminally liable. In this case, it doesn't matter what the bank does.

"Now let's think about what you should do if Chen Zhiwen is forced to go into debt, right? It cost 20 billion in more than a month, and now it's the price. Simon Keswick said coldly.

He knew that Chen Zhiwen would definitely have a follow-up move, but unfortunately, the management power was not in his hands, and Niu Bijian and others did such a thing in order to curry favor with shareholders and regardless of the risks.

"It's just $18 million, just launch a scapegoat, just say that he missed the loan, and insist on this reason, then at most make up the accounts, and be more stable, just pay back the money in advance, and give some money to this person." Niu Bijian thought for a moment and said.

If it involves large-scale loan fraud, then the responsibility is naturally serious, but in the case of only one data, it can be said that it is the mistake of his subordinates.

"This is just an introduction, Chen Zhiwen will inevitably grasp this issue and make a big fuss, and even ask the court to agree to him to audit the entire Hongkong Land, when the time comes, how perfect the financial information you submitted to him before will make the entire Hongkong Land die miserably!" Simon Keswick said slowly.

Unlike the audit he presided over, the audit of the major shareholder is mainly to see whether there are internal problems such as corruption and unworthiness within the company, and for some external things, everyone knows what is going on, and it is impossible for him, the major shareholder, to tear down the wall of his company, even if he makes false accounts to deal with the bank, it is also a normal operation, and many people in the business community are like this, as long as it does not involve tax evasion, there is no big problem.

But if the bank comes to investigate, it is a different matter, once it is found that there are many differences from the information submitted before, it is clear that the loan fraud is clear.

"Chen Zhiwen is playing like this, is he trying to ruin Hisense Bank?" Niu Bijian frowned and said: "Even if there is a problem with our information, but Hong Kong society is basically like this, he is not afraid that no one will dare to cooperate with them in the future?" ”

"A Hisense in exchange for land, which is more important, I think Chen Zhiwen will have this account in his heart." Simon Keswick said: "Besides, it also depends on the scale of your fraudulent loans, proper optimization and complete fraud are two different things, if it really involves large-scale fraud, then it is normal for the bank to be held accountable." I estimate that Chen Zhiwen has stepped out of this situation since he was ready to give you a loan, and you refused to listen to me at the beginning, but now in this situation, I want to see how you solve it? ”

"Let's get to know the specifics first. Ximen, if Chen Zhiwen really makes a dead move, it must be for the sake of land, no matter how many internal contradictions you and I have, now it is for me, and Chen Zhiwen can no longer be broken. Niu Bijian thought for a moment and said.

At the beginning, Hongkong Land fell into the crisis of broken capital chain, in that case, he had to leave without money, and he had no choice but to go to Hisense Bank, which had just made a big profit from the Hong Kong dollar exchange rate crisis, although he knew that Chen Zhiwen had been plotting against the map for a long time, but considering the scale of Yizhi mutual control, as well as the confidence in the future real estate market and the default rules of the Hong Kong banking industry, he could only gamble.

Even a 10% probability is better than 0%.

"Now you think of me, but unfortunately, my Keswick family does have some capital overseas, but it can't compare to Chen Zhiwen at all." Simon Keswick said coldly.

The Keswick family has been famous in the UK for a hundred years before the acquisition of Jardine Matheson, and there are also many investments overseas, so it can be said that it is one of the more well-known families in the UK, but the long history does not mean that the capital is abundant, compared to upstarts like Chen Zhiwen, it is still too far behind, just because they almost monopolize the global game electronics industry, they can hang the entire Keswick family up.

Competing for capital, it is estimated that there are few families in the whole of the United Kingdom who can compare.

"You don't need to compete with Chen Zhiwen for capital, as long as you can deal with the current crisis." Of course, he knows that Chen Zhiwen is now unrivaled in Hong Kong, and a few years ago he may have wanted Jardine Matheson to compete with others for the name of Hong Kong's No. 1 consortium, but he gave up after 80 years.

"Let's not say whether I have the ability to do it, even if I can, but for such a thing, do you think no one should be responsible for this?" Simon Keswick stared coldly at Niu Bijian and said.

"Let's solve the problem at hand first, and then discuss the responsibility." Niu Bijian avoided the topic, this matter was indeed a gamble he made in order to keep his position, in fact, he himself felt that it was unlikely to succeed, which tiger didn't like meat? Hongkong Land is such a big fat, no one will not like it, not only Chen Zhiwen, no capital will want to miss it, but at present, only Chen Zhiwen has this ability.

But he doesn't regret it, anyway, if he loses, he still leaves, and he just gets some severance pay at most, so many years of working in the Jardine Department as a senior, just the income on the surface is enough for him to spend his life, and that little probability of winning, then he can still control one of the largest consortia in Hong Kong.

"Okay, I'm curious to know, what's next for Chen Zhiwen?" Simon Keswick also knew that until the last moment, Niu Bijian would not admit defeat, he was very unhappy, but there was no way, this guy consumed the vitality of the entire company, just to keep his position, he could only blame their family for losing the management of the company ten years ago.

The matter of Hongkong Land intensified, and in the afternoon, Hisense Bank replied that it had obtained the relevant data of Thailand's Great Agricultural Bank, confirming that the data submitted by Hongkong Land's last loan did not have this item, and at the same time immediately sued Hongkong Land in court, requesting that the entire Hongkong Land be audited to determine whether the matter of Thailand's Great Agricultural Bank was a mistake or involved in fraudulent loans.

The next morning, Hongkong Land's Deputy Chief Financial Officer went to the Independent Commission Against Corruption to report that the entire Hongkong Land Group was involved in making false accounts, which pushed public opinion to a climax under the double whammy.

(End of chapter)