Chapter 32： The shock of Hong Kong's banking industry

At 4 o'clock in the afternoon on September 15, 1977, this was the day of the half-month settlement summary of every bank in Hong Kong. But the amount of US dollars remitted to the account of Heiyun Game Company today shocked HSBC employees who had seen the big scene. What the **** is Black Cloud doing?

Actually, I can't blame them. In the eyes of the people of Hong Kong in this era, the most profitable businesses are the real estate, banking, shipping and retail industries. Even the jewelry industry seems to be so-so. Other industries have no advantages in Hong Kong. Although the garment industry has passed, it is hard-earned money, and the profits are not high.

But I didn't expect a small game company to have such a big turnover these days. In just half a month of this month, all of Heiyun's customers have remitted as much as 180 million US dollars to the company's account. This is mainly thanks to Phil Hawkins. This guy agreed to remit the full amount of the order in order to get the agency. His company alone remitted $90 million, not counting the $13 million in machinery he paid for.

The incident of Heiyun Company directly disturbed Pu Weishi, the general manager of HSBC. At the company's meeting, Mo Keyuan reported the changes in Heiyun's account in the past two weeks to Pu Weishi.

Originally, Shen Bi, the HSBC senior class, was supposed to preside over the meeting, but Shen Bi was in London during this period of time to report his work, so Pu Weishi presided over the meeting.

Pu Weishi: "Manager Mo, did you make a mistake? Why has the account of Heiyun Game Company changed so much in only half a month!"

Mo Keyuan: "We have checked it three times, and we have already faxed and called the bank that sent us the money to inquire."

Pu Weishi: "It's not easy to say that this game company is!"

Mo Keyuan: "This is only for us. I heard that there is also a large amount of US dollars in the account of Standard Chartered Bank's Heiyun." Bao Zixuan knew that eggs could not be put in one basket. Although some things in the banking industry are interoperable, they also have a competitive relationship, which makes everyone know that Heiyun may have a large amount of deposits in the bank account of the other party, but the principle of confidentiality of the bank to customers is impossible for the opponent to know the customer's account. specific amount. Otherwise, if the customer information is leaked through your own bank, then you will be very passive, which may cause customers to cancel their accounts, and in severe cases, it will bring about a large-scale run on the bank. You can't keep it a secret for me, why should I trust you!

Pu Weishi: "Then do they spend a lot of money?"

Mo Keyuan: "The expenditure is very large. In addition to the procurement of components, their biggest expenditure is the procurement of equipment and the construction of factories. I sent someone to investigate, and the construction party who built the factory for them basically works in two shifts. Because they are very fast in settlement! I tried to ask them for a loan several times, but their boss is currently studying in the United States! So it didn't work."

Pu Weishi: "I remember you said he was an alumnus of our Oxford! Why did he go to the United States to study again?"

Mo Keyuan: "I asked their vice president, Ms. Zhao Tingting, about this issue. Bao Zixuan is the only student in Xiangjiang who was directly admitted to Oxford University and MIT as an exchange student from Xiangjiang. So he still has to be at MIT. Two years after the academy completed, and set up a branch in the United States. We learned that their remittances this time were mainly major game agencies in the United States, and they remitted US$90 million to us from Citibank in New York alone.”

In fact, Bao Zixuan deliberately let Zhao Tingting leak this information, that is, let people think of it as a genius, because only in this way, others will not doubt your research results.

Pu Weishi: "Okay, I'll report to him when Taipan comes back! Pay close attention to Heiyun Game Company, and we must meet their requirements as soon as possible. I heard that the boss of Heiyun Company has entrusted us to acquire shares. Manager Yuan is responsible for this matter!"

Yuan Tianfan was also shocked when he heard this. He didn't expect this young man who only met him once and didn't ask about the stock acquisition situation. After spending US$10 million to drive the acquisition of 200 million Hong Kong dollars; the young boss who didn't have the following is not a pretense Calm down. But I have never been afraid of the risk of liquidation, and their own money is completely sufficient.

Yuan Tianfan: "Yes, he took out 10 million US dollars and entrusted us to use 4 times leverage to acquire the shares of Wharf. So far, 55% of the target has been completed."

Pu Weishi: "This boss can also have a good financial vision! Handle the matter entrusted by Heiyun Company well, this time we have to let the other party know that HSBC is the best choice for cooperation in Hong Kong. If we let Standard Chartered Bank from us Taking away such a large customer is a serious negligence of our work. I hope everyone should remember that you are all senior management of the bank, and everyone understands the principle of confidentiality for customers, and we hope that the leakage of customer information will not appear with us. "

This young man can complete the rest of his studies on campus while earning so much money. He seems to be a person who wants to develop in a low-key manner. Since he does not want to attract too much attention, we are obliged to keep it confidential for our clients.

When HSBC held a meeting, Standard Chartered also held a semi-monthly meeting in the conference room. The meeting was chaired by Bauhaus Sanderson, Head of Asia at Standard Chartered Bank. Each department reported to him the main content of the department's work, and there was nothing outstanding for everyone. After all, the scale of HSBC and Hang Seng Bank in Hong Kong is much larger than that of Standard Chartered Bank. Although they have minting rights, most of them print small-denomination banknotes because they only have a 30% share.

But when Huang Zefa, the manager of the deposit department, reported that, everyone felt how the dollar deposits increased so much all of a sudden.

Bauhaus-Sanderson is only 34 years old this year, and it has its own abilities, but many people think it can emerge as the head of Standard Chartered Bank's most profitable region in Asia; more because Sanderson The family is Standard Chartered's largest shareholder. He is not the kind of rich second-generation idiot, and he is also someone who wants to prove to his family and doubters that he will not only rely on his ancestors to be clouded. This position is obtained by his own ability. Let his brothers and sisters see that I, Bauhaus-Sanderson, are the most suitable successor to Standard Chartered Bank.

Bauhaus-Sanderson graduated from the Economics Department of Oxford University. He went from a stock trader to his current position at Standard Chartered Bank in the United Kingdom step by step. Only he knows how much he suffered in order to make his grandfather value him. This is also the main reason why he can beat many competitors to become the loser of the Asian division. Because he is the most hard-working and capable of the third generation of their family, he is not even a bit better than his brothers and sisters, at least on the surface.

Bauhaus-Sanderson: "Manager Huang, why is there an extra $80 million in deposits, is it a mistake? Or someone laundered money through our bank."

Huang Zefa: "Mr. Sanderson, I have carefully checked 4 times, and the additional $80 million is all from the Black Cloud Game Company. They just opened an account in our bank at the end of last month. At first, everyone didn't care about it. Treated by an ordinary customer; but in the past few days, their company account has remitted 80 million US dollars. UUkanshu These are all major foreign banks remittances, and there is no illegal transaction and money laundering. "

Bauhaus-Sanderson: "That's good, this company is our big customer, we must serve it well, and never let HSBC know their information."

Huang Zefa: "Mr. Sanderson, I'm afraid this is also what HSBC is worried about, because through HSBC's attitude towards them, the US dollar in HSBC's account may be twice or even several times ours. Their main account is HSBC, and we are just here. Separate accounts. And he has never moved the money with us, all payments are handled by HSBC on behalf of.”

At this time, everyone was shocked. They didn't expect that a small game company could make so much money.

Bauhaus-Sanderson: "Okay, then we'll see what the other party needs, and we can grab their payment business. I don't want a lot of currency exchange rates and fees to go into HSBC's pocket. Since Their main business is overseas, which is our advantage over HSBC. Find an opportunity to arrange a meeting between me and the owner of this company.”

Huang Zefa: "Okay, but the meeting may not be possible in the short term. After completing two years of studies at Oxford University, this boss is now completing the rest of his studies at the Massachusetts Institute of Technology. There is no plan to return to Hong Kong in the short term. I am I heard from Ms. Zhao Tingting, the vice president of their company, and I made such a request to him before."

Bauhaus-Sanderson: "It turned out to be an Oxford alumni! That's easy!"

After explaining everyone's work, Bauhaus-Sanderson began to inquire about Bao Zixuan's situation with his classmates in Oxford, some who stayed at the school to teach.

Bao Zixuan did not expect that his madness in the United States had already established a reputation in the Hong Kong banking industry.

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