Chapter 321： Discussion on Private Banking (1)

"Xiao Cheng is right." Liu Muqian said triumphantly at Yang Yuanshan like an old child.

Yang Yuanshan's attitude towards his grandson has always been kind, "Okay, then I will do it."

"Dad, what plans does the bank have?" Yang Sen asked Liu Muqian with a smile at the jokes of the two old people.

"Oh~, I sent someone to collect a bunch of Swiss private bank information, and found that there are not many that meet our requirements." Liu Muqian sighed deeply and said disappointedly.

Speaking of private banks, most people think of financial empires such as UBS and Citibank for the first time, because the scale of assets managed by their private banking sector is one of the best in the world.

However, in Switzerland, the birthplace of private banking, there are hundreds of small independent private banks. Although their names are not well known, if the huge wealth they manage is exposed, they can definitely shock everyone. eyeball.

Moreover, these banks are all family businesses that have been passed down from generation to generation. Many of them have lasted for hundreds of years and still retain the most classical noble blood and noble quality. Some people jokingly call this kind of bank a private banking industry. "Blue blood nobles", similar to the hotel field, independent of Marriott, InterContinental, and Hilton boutique hotels, such as Aman.

The goal of the Yang family is hidden among these "blue blood nobles."

Yang Cheng doesn’t know much about banks, but he also knows one or two things. “Grandpa, as far as I know, the top private banks in Switzerland are Longao Bank and Baida Bank, right? These two don’t meet our requirements. ?"

Liu Muqian was stunned, and then said helplessly, "Do you know how much wealth these two banks manage?"

Yang Orange shook his head and said that he didn't know.

"Take Longao Bank as an example. This private bank was established in 1796. It has more than 200 years of experience in the financial industry, manages assets of more than 200 billion Swiss francs, and adopts a family partnership system to align its own interests with the interests of customers. Binding, never introducing foreign shareholders, and losing money with the bank. It has an extremely solid customer base. The core capital ratio is as high as 22.6%, which is almost three times the international standard. Even if Yuanshan is sold, it cannot be bought. Come down."

When Liu Muqian said this, with a hint of appreciation, he obviously admired this small private bank.

However, according to my grandfather, Longao Bank is a low-key boss, at least much higher than Citigroup and Merrill Lynch.

This kind of business philosophy is in line with the conservative and rigid temperament of those Swiss bankers. In Geneva, there is a well-recognized saying: To live comfortably, you must live low-key. Yang Cheng heard this sentence before and felt disapproved. In the eyes of him and the descendants of American capital, the most comfortable thing is to do what you want and do what you want, and to deliberately suppress your own character is not a comfortable performance.

But now, remembering this sentence again, Yang Cheng suddenly felt that it made sense. No matter private banks or their customers, they usually don’t like to show off. The tradition of calm and restraint has continued to this day and has become the cooperation and trust between the two parties. The foundation, otherwise, let alone inheritance for 200 years, it will not be able to persist for 20 years.

Liu Muqian had a look of memories on his face, his thoughts drifted away, and he slowly said, “Speaking of the legendary private bank of Long Ao, I was extremely impressed. It was in 1994, my life This is the first time I visited Geneva in the western tip of Switzerland. I still remember the gurgling Rhone River, which was erected on the Iru Bridge. I passed this bridge to the cultural and educational district lined with theaters and art galleries, and walked in the quiet Cora. On Toli Street, you will soon see a stone building at No. 11 on the left.

Although the building is not gorgeous and has no signs, it is filled with an unusually calm atmosphere. The tour guide at the time told me that this is the Long Odaghan Bank, known as the oldest private bank in Geneva. I didn’t think much about it at the time, almost It was subconsciously pushing open the heavy door, and I saw two old gentlemen wearing dark blue suits who looked like palace butlers coming towards me. . . "

Following Liu Muqian's narration, a beautiful scene appeared in everyone's mind. It is located on the bank of a beautiful river, with green trees and environmental protection, and the warm sun shining on the seemingly ordinary and ancient masonry. Architecture, who knows how much amazing wealth is hidden in this building!

In Yang Cheng's impression, this is exactly the classic image of traditional Swiss private banks: the brilliance of glory is in sharp contrast with the low-key style. In contrast, the wealthy people who have swaggered through the market always look a bit like clowns with teeth and claws.

It may be because the Swiss private bankers are basically from Protestant reasons. They advocate thrift, diligence, humility, integrity, self-esteem, and oppose extravagance and corruption, laziness and incompetence, lack of temperance, and betrayal of faith.

Perhaps it is precisely because of this that the Swiss can start the history of private banking, and relate the low-key confidentiality and privacy-respecting banking tradition from generation to generation, and become a model for private banks around the world.

Involuntarily, Yang Cheng began to yearn for owning such a bank.

The family was immersed in Liu Muqian’s beautiful description. I don’t know when there was a sound of footsteps. Yang Cheng kept his upper body still, but turned his head slightly. The maid foreman Anna of Beihai Manor appeared behind him, wearing a brand-new gray uniform. , I wear a rainbow-colored silk gauze between the collar, which looks elegant and calm. Sure enough, people rely on clothes. Anna, who was originally wearing a maid outfit, looks a little immature. Now I will put on an exquisite lady housekeeper's outfit The temperament has undergone earth-shaking changes.

Oh, forgot to mention, after Carson’s recommendation and Anna’s careful consideration, Anna, who just turned 23, signed a personal maid contract with Yang Cheng for 20 years. During these 20 years, Anna Not only to take care of Yang Cheng’s daily life, but also to take on the responsibilities of nuan bed and yu yu. Well, it sounds strange, but I think of 150,000 pounds per year, a high annual salary exceeding the average white-collar salary, and no The bonus of the upper limit may not be so difficult to accept.

"Master, Mr. Liverpool Ayer's phone, and fresh fruit plate." Anna bent down and respectfully presented Yang Cheng's mobile phone with a faint fruity fragrance. This is the type of perfume Yang Cheng asked her to spray. It doesn't feel pungent, and it feels fresh after the new rain in the empty mountains and the late autumn weather.

Although Yang Cheng hasn't officially picked it yet, Anna has the consciousness to dedicate herself at any time, so whenever she gets close to Yang Cheng, a mist of water rises unconsciously with her big smart eyes, which is very attractive.

Yang Cheng took the call, and deliberately swiped his finger under Anna's tender hand, put on a flirtatious smile, and said, "put down the fruit plate, is breakfast ready?"

"Breakfast still needs 10 minutes to be ready, sir." Anna naturally felt the little movement of the master, her cheeks became hot, but she still bent over, folded her hands on her lower abdomen, and got a perfect score in etiquette, no wonder Carson would highly recommend Anna. As Yang Cheng's personal waiter.

"Got it." Yang Cheng answered, raising the phone to answer, "Ian, it's me, what's the matter?"

"Oh, boss, I'm sorry to disturb you so early, but today is Liverpool's big day, the Double Red Club, I wonder if you will be there to watch the game?" ()

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