v2 Chapter 722： Use the reserves

Bao Zixuan could only guess that this group of people were trying to beat him, and he didn't know what the specific purpose was at the moment. In the end, you are ready to start with that company, you can only take a step by step. On the surface, the enemy is Shaqiantong and the charter king, but there are definitely people behind them, otherwise they would not dare to take such a big risk with their characters.

Now we must resolve the investment issue in Iraq, otherwise the crime of fooling the president of a country is not small. The most important thing is that in order to show their sincerity, the eldest son has been exiled. If you regret it, you will have the heart to kill you. If the contract is broken in front of Iraq, it will inevitably bring about a chain reaction in other Middle East countries, and it will not end well at that time.

Bao Zixuan left Hutchison Whampoa and went directly to the headquarters of Heiyun Bank in the New Territories. Seeing the boss coming, many people took the initiative to say hello, not only bank employees, but other customers who came to do business would also say hello to the richest man. When a person has a certain reputation, it is difficult to act in a low-key manner.

Yuan Tianfan's expression was not very good at this time, mainly because he drank too much yesterday. He doesn't have the alcohol capacity for Bao Zixuan, so he is suffering here right now!

Seeing the boss coming, he resisted and stood up and said, "Boss, why do you have time to come here today?"

Seeing President Yuan's state, Bao Zixuan said with a smile: "Don't be so polite, I just came to see if I have something to do with you. Next time I won't let you drink like this, it's really scary."

The secretary poured two glasses of water for the two of them and then left.

Bao Zixuan: "The board of directors of Baohuodong Mining Company was held just now, and the investment in the oil and gas field project in Iraq was rejected. It's also my fault for being stubborn and taking myself too seriously. Now it seems that some people are draining our funds, just thinking about the Heiyun Group. Start when there is a shortage of funds. Some people feel that they will support it, but now it seems that they still have to rely on themselves. It is still unreliable to do business in partnership, and we still need internal investment for any projects in the future. It doesn’t matter if the money is less, the most important thing is rest assured."

"This time I came here to let Heiyun Bank transfer funds to deal with the investment in Iraq. And we can't keep a low profile and let the wind out, so that the enemy can surface."

When Yuan Tianfan heard that he needed to transfer funds from Heiyun Bank, Yuan Tianfan had a headache. Almost one-third of the funds in Heiyun Town came from Heiyun Bank, and the internal employees at the meeting yesterday had to borrow money from the bank. No matter how rich Heiyun Bank is, it can't stand such a toss, and now there is such a thing. There may be insufficient funds, at least there is no absolute certainty.

Yuan Tianfan: "Boss, Heiyun Bank's funds are also very tight. If it invests in Iraqi oil and gas fields at this time, it will affect the progress of other projects. The employee loan problem has not been resolved, and enough funds must be set aside. This was decided at yesterday's meeting. It's not easy to go back on things easily."

"Black Cloud Bank can withdraw up to 500 million US dollars. If there is more, it will affect the operation of the bank."

Of course, Bao Zixuan knew the actual situation of the bank, but the money had to come from Heiyun Bank. Otherwise, the enemy will not take the bait, and the plan to lure the snake out of the hole will fail.

Bao Zixuan: "At present, other branches are also very short of funds, so we can only find a solution from Heiyun Bank. So I don't care what method you use, I need you to come up with 2.5 billion US dollars of funds."

Hearing that Heiyun Bank needed to allocate 2.5 billion US dollars, Yuan Tianfan immediately felt a lot of pressure. If it were normal, he would not pay attention to the mere $2.5 billion, but most of the funds of Heiyun Bank are used for the project of Heiyun Town.

This is the first time the boss has given him an order, no matter what. Even in difficulties, it must be done. Bao's richest man is a boss who only looks at the results. No matter where you are, don't give your boss too many reasons.

Yuan Tianfan: "Boss, if this is the case, we can only draw down the deposit reserve. But once there is a change, or there is a run on it, the Black Cloud Bank will be very annoying, and it will even affect the entire group."

Deposit reserve, also known as statutory deposit reserve or deposit reserve, refers to the deposits in the central bank prepared by financial institutions to ensure the needs of customers to withdraw deposits and clear funds. The ratio of the deposit reserve required by the central bank to its total deposits is the deposit reserve ratio. By adjusting the deposit reserve ratio, the central bank can affect the credit expansion capacity of financial institutions, thereby indirectly regulating the money supply.

In the past, HSBC was able to function as a quasi-central bank. Later, the share of minting rights was reduced, so that HSBC, Standard Chartered, Heiyun and Huaxia Bank all had similar functions, so no bank would put deposit reserves in HSBC.

Each bank will determine the reserve amount based on the total amount of deposits. Currently, the deposit reserve of Heiyun Bank is 22%, which is the result of accurate calculation. Too little is very dangerous, and once there is a problem, the situation will be uncontrollable.

Bao Zixuan: "It's not that simple this time. Many people are watching us use the reserves. This is also their purpose. If we don't use the reserves of Heiyun Bank, how can we know who is behind."

Hearing the boss's analysis, Yuan Tianfan immediately understood what it meant. But is it worth it in the end, in order to draw out the enemy, let the Black Cloud Bank take a risk. In case of any changes, it is very passive.

After Bao Zixuan left, Yuan Tianfan quickly arranged for his staff to raise funds. The Iraqi project cannot be delayed, or previous efforts will be in vain. And it is related to the credibility of the group and the boss, but I dare not hesitate.

Although Zhuang Xiaohui is the eldest lady of the banker, after joining Heiyun Bank, she was quickly reused because of her outstanding performance. The most important thing is that there are not many professional financial talents in Heungkong. If you are really talented, you will either open your own investment company or work in major banks. No matter how good the benefits of Heiyun Bank are, it can't endlessly poach people, otherwise it would be strange if several other banks don't work hard with you.

It is in this situation that Zhuang Xiaohui stands out by relying on her own ability, and is currently the director of the credit department of Heiyun Bank.

As soon as the boss left, he received a call from President Yuan. There must be something important to deal with. This is a good opportunity to prove yourself in front of your boss. The banker's preference for patriarchal women is very serious. If you can open up a world in Heiyun Bank, it is also a good choice.

Yuan Tianfan also wanted to inspect Zhuang Xiaohui. The boss said that he would use the reserve fund with great fanfare. Then Zhuang Xiaohui is a suitable candidate. If it weren't for the fact that no one was available, it would be impossible for this banker's eldest lady to become the director of the credit department.

Zhuang Xiaohui: "President Yuan, what's the matter with you calling me here?"

Yuan Tianfan: "There is indeed one thing that needs to be dealt with by you. I'm really worried about leaving it to others."

Seeing that Yuan Tianfan attaches so much importance to it, Bao Zixuan just left in the union. Zhuang Xiaohui felt that things were unusual, and now that she can do it herself, it shows her status, and she also feels that she has won the trust of the company.

Zhuang Xiaohui: "If you want anything, you can do it. I will do my best."

In Zhuang Xiaohui's opinion, from the moment she decided to work at Heiyun Bank, she couldn't play the eldest lady's temper. Now he is only a middle-level manager of Heiyun Bank, and he cannot take his status too high. The identity of the banker's eldest miss is a past tense, and it is not even mentioned now.

In her heart, she still admires Yuan Tianfan very much. The talent and ability of this man are worthy of admiration. And she is also very proficient in banking, much better than her.

Yuan Tianfan: "You have withdrawn 2.5 billion US dollars from the reserve, and the boss wants to invest it in the Iraqi oil and gas field project."

Zhuang Xiaohui was very worried when she heard that the bank reserves were used. This is a big taboo for the bank. The banker's Hang Lung Bank was forced to sell to Bao Zixuan because of a run on the bank because of insufficient funds. Is Heiyun Bank going to repeat the mistakes of Hang Lung Bank? Do you want to stop it?

But when one thinks that both Bao Zixuan and Yuan Tianfan are human beings, don't they know how dangerous it is to use bank reserves. Now that we dare to use the reserves, there must be countermeasures. As a subordinate, the task assigned by the leader can only be performed, and it is best not to ask more about it.

Zhuang Xiaohui: "Okay, I will prepare the funds as soon as possible. You can tell me two days in advance."

He wanted to say something, but seeing Yuan Tianfan's expression, he didn't say anything more. This attitude made Yuan Tianfan very satisfied. He didn't refute or ask questions. It was good to be able to execute the order. Subordinates must have the attitude of subordinates, and being a leader does not need to explain anything to subordinates.

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