Chapter 516： Calculate the 2 major banks

Temporarily unable to figure it out, Liu Tianci didn’t bother to think about it, and directly mentioned the two banks that he was fond of: “Chairman, I plan to acquire Hang Lung Bank and Ka Wah Bank, but the current owners of these two banks are interested in taking action. It should not be high, this is a problem."

When Xia Yu heard this, he couldn't help but raised his brow. Hang Lung Bank and Ka Wah Bank were both Chinese banks with a long history. Although they were not as powerful as the current Jiuding Bank, they were both considered top middle-sized banks.

Among them, Hang Lung Bank is stronger than Ka Wah Bank.

When Xia Yu was about to enter the banking industry, he specially collected the basic information of Heung Kong's banking industry. In addition, he has a strong memory, so until now, he has a deep impression in his heart.

Hang Lung Bank was founded in 1935 by the Sun family. After three generations of the Sun family, Hang Lung Bank has survived time and again and has grown into a medium-sized bank today.

Especially in the 1970s, the third-generation head of the Sun family was ambitious, allowing Hang Lung Bank to expand drastically and develop rapidly.

Unfortunately, in the sudden stock market crash in 1976, Sun’s other industries suffered great losses. The most important thing was that Hang Lung Bank’s excessively rapid development had its consequences. Many payments were not recovered, which caused Hang Lung Bank to fall into a crisis and even drag down the entire Sun. Family.

No way, the Sun family had to cut the meat and sold 80% of the shares they held to the two brothers, Zhuang Rongkun and Zhuang Qingquan, Fujian merchants in the Philippines.

In the past two years, the Chuang brothers quickly moved closer to the Fujian Chamber of Commerce in Hong Kong, relying on the statement that "the world's Fujian merchants are one family", and made friends with a group of Fujian merchants such as Li Jiacheng. It's pretty good.

As for another Ka Wah Bank, it has a longer history. It was founded by Lin Zifeng in Yangcheng in 1922. After decades, it has developed very steadily and is now a medium-sized bank.

It is a pity that after Lin Zifeng's death in 1971, his descendants were incompetent and unwilling to manage their ancestral properties, so in 1975 they sold the controlling stake to the brothers Liu Cansong, an overseas Chinese businessman in Singapore.

After the Liu Cansong brothers took over, K. Wah Bank’s customer base was mainly overseas Chinese in Southeast Asia. Therefore, Hong Kong's colleagues have become more and more aware of K. Wah Bank and become more wary.

But it is undeniable that Ka Wah Bank's business in Southeast Asia is developing well.

If Hang Lung Bank and Ka Wah Bank are acquired, then Jiuding Bank's local strength will increase sharply, and at the same time, it will open up Southeast Asia's business at once, which will greatly increase the future development.

Of course, in addition to these circumstances, Xia Yu also had many memories of previous lives in his mind.

It seems that neither the Chuang brothers nor the Liu Cansong brothers are the ones who guard themselves.

The Chuang brothers were caught in the quagmire of financial crisis caused by irregular lending, and Liu Cansong was even more arrested by the police on suspicion of defrauding nearly 800 million yuan with his brother.

Therefore, there are still many ways for this kind of people who are definitely weak.

You don’t have to feel guilty when you start. After all, the current bosses of these two banks are latecomers, and they are not good people. The bank is a waste in their hands. It is better to buy them to maximize the benefits.

"God, since you are interested in these two banks, then buy these two banks. As long as they operate properly, they will not want to sell, and the price will not be high."

Xia Yu thought for a moment and said to Liu Tianci.

"Chairman, please direct!"

Liu Tianci felt anticipation in his heart, and waited for Xia Yu's specific instructions.

"Within ten days, I will ask Jiuding Real Estate to separately make large loans from two banks, and try to extract their funds as much as possible. Then you should not come forward in the name of Jiuding Bank. You must be prepared to provide assistance to Hang Lung Bank and Ka Wah Bank. Buy gold products, whether it is paper gold or physical gold, the larger the quantity, the better, and mine them!"

After Xia Yu finished speaking, an inexplicable smile appeared at the corner of his mouth.

Liu Tianci thought for a while, showing a fox-like smile, and admired: "Chairman, this is a good way, and large-scale business comes to the door. Hang Lung Bank and Ka Wah Bank are absolutely reluctant to push them away. They buried thunder if they were greedy. , Management negligence, we are not to blame for the death!"

"Yes! Haha!"

Xia Yu and Liu Tianci looked at each other and laughed.

Although Xia Yu is digging holes and calculating the two banks, if the two banks do things steadily and are not tempted by profit, then there is nothing wrong. Instead, they will make a lot of profits because of large loans to Jiuding Real Estate Group. .

But if they are greedy, then this big cake will become a poisoned cake, and a bad one can kill them.

Now HeungKong is still in the hands of the UK. HeungKong’s banks generally have gold products, such as paper gold, spot gold, and London gold on commission. Even gold shops like Xie Liyuan Gold Shop can open gold accounts and launch the "Qianzu "Gold Accumulation Plan" to absorb funds.

Hang Lung Bank and Ka Wah Bank are not strong enough to be qualified to be London Gold market makers, but they can become middlemen, selling London Gold on behalf of the citizens of Hong Kong, first selling it and then buying it to fill the hole, which takes a certain amount of time. You can earn a certain amount of handling fee through the procedures, and you can also introduce the bank’s gold price to a deeper level, sell paper gold, and make more profits.

The capital chain of the two banks is now tightening and they are selling gold products. Then the two banks will absolutely have no money to buy London gold futures to fill the business volume in a short time. When the international gold price soars, the two banks will buy gold again. The blood will definitely pull the already tight capital chain to its limit.

Of course, you can also delay the replenishment, wait until the international gold price drops again, and replenish at a low price.

But the premise is that the customer does not mention gold or delivery futures, otherwise if the bank refuses to accept, then things will definitely become a big deal, and the storm of run will occur instantly.

If you die, you can kill the bank!

To avoid these two situations, the only way is for the two banks not to be greedy, and not to use the time difference beyond the limit to eat up all the business.

But now that Xia Yu has calculated it, of course he has to find a way to succeed and make money clear. Doesn't you believe that the top executives in the two banks are all gentlemen?

Don't even think about running away if these two banks are targeted by him!

"God, the amount of liquidity in our bank is not large. Excluding the consumption for these two banks, there should not be much left. If you want to speculate in gold, you can go to HSBC and Standard Chartered Bank I will not take you to London."

Xia Yu said again.

"Chairman, you are going to London?"

Liu Tianci looked at Xia Yu very unexpectedly. He just came back after staying in the island country for more than a month, and he was going to London again!

"Such a large fund, Xiangjiang can't tolerate it!"

Xia Yu made a little clear, and Liu Tianci nodded suddenly.

The money earned by the chairman from the island country is now lying in Jiuding Bank’s account. It’s no wonder that Xiangjiang can accommodate such a large amount of money. HSBC and Standard Chartered are focused on Xiangjiang, and they must not be able to handle such a large amount of gold. business.

Moreover, with the chairman's heart, he would not want the money to be exposed.

So only going to London is the most suitable.

Later, Xia Yu discussed with Liu Tianci for a while, and saw that Liu Tianci fully understood the operation process, and Xia Yu left Jiuding Bank with confidence.