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This morning, Tang Xiaochuan signed a power of attorney with Pang Yidong in the office of Feitian Technology Group, entrusting Pang Yidong and his team to be responsible for the acquisition of Xiangjiang Huayue Bank Co., Ltd. Investment Co., Ltd.

After signing the power of attorney, Pang Yidong packed up the power of attorney and said to Tang Xiaochuan: "Mr. Tang, I have a general understanding of Huayue Bank in the past two days. Huayue Bank is a medium-sized bank with a small scale. , but it involves a wide range of businesses, and it is also a listed company, with 40% of its tradable shares. The He, Chen and Wang families of Xiangjiang hold 38%, 16% and 6% of the non-tradable shares respectively !"

"I have a question. I don't know if Mr. Tang wants to have a wholly-owned stake in it, or an absolute stake?"

Tang Xiaochuan said with a smile: "There is no financial crisis now. If you want to wholly control a listed bank investment Co., Ltd., you will have to pay a high price to revoke its listing status on the stock market. I don't think it is necessary to conduct an investigation on it Whole-owned holdings, absolute holdings will do!"

Pang Yidong nodded, "I checked that Huayue Bank has been losing money in the past few years, and its market value has dropped from more than 140 billion to more than 80 billion. It can be said that almost two-fifths of its market value have evaporated. The main reason is that the business volume has been greatly reduced, and the deposits of depositors and the number of depositors have been greatly reduced. Although Xiangjiang is not a big place, there are many banks on the island and the competition is also great. This bank has some problems in its operation. situation!"

"Mr. Tang, if the acquisition is completed, it will not be easy to reverse the situation and increase Huayue Bank's business volume, number of depositors and deposits. I hope you are mentally prepared!"

Tang Xiaochuan nodded: "Don't worry, I don't worry even if I don't have any depositors. My personal money is enough to keep this bank busy. The employees have to think about how to lend me out and how to invest them! But you also The reminder is correct, such a bank investment company must have an efficient and enterprising team!"

A week later, Tang Xiaochuan received a detailed due diligence report from Pang Yidong's team, which showed that even though the business volume of Huayue Bank had shrunk greatly, there was still one branch and six branches in Binhai, and one branch in Eastern Guangdong Province And 23 branches, 3 branches and 32 branches in Nanyang, 1 branch and 3 branches in Bend Island, 1 branch in Ao Island, 1 branch and 4 branches in Dongying, and 1 branch in Cayman Islands There is a branch with a total savings of 48.7 billion Hong Kong dollars, currently lending 10.7 billion, and investing 26.4 billion abroad.

Huayue Bank also provides financial services such as retail and corporate banking, credit, securities and futures trading, personal wealth management, trust and property management, MPF and insurance.

"The year before last was a loss of 1.3 billion, the year before last was a loss of 2.2 billion, last year it was a loss of 2.8 billion, and it was investigated last year. It is estimated that the situation of Huayue Bank this year will not be too good, and it may be worse than last year!" Looking at the investigation report in Tang Xiaochuan At the time, Pang Yidong briefly talked about the situation of Huayue Bank.

Tang Xiaochuan asked: "Which businesses are the losses mainly in?"

"The loss is mainly due to the loss in foreign investment. The failure of investment led to a sharp drop in stock prices, which also made depositors panic, so the amount of savings and the number of depositors also decreased significantly. My team and I have conducted some analysis and believe that the main The reason is still affected by the environment!"

After carefully reading the due diligence report, Tang Xiaochuan said: "Well, Mr. Pang, please lead a team to Xiangjiang as soon as possible to contact the He family, the Chen family and the Wang family, test their reaction, and see if they have the idea of ​​transferring equity! "

"OK!"

Two days later, Tang Xiaochuan received a call from Pang Yidong from Xiangjiang.

"Mr. Tang, the Chen family and the Wang family both have the idea of ​​transferring equity. After all, they don't have much equity, but the He family is different. They have 38% of the equity. The current general manager of Huayue Bank is the He family. The second room, He Jingdong, and the He family also control the board of directors of Huayue Bank Investment Co., Ltd., and the He family seems to want to hold on!"

After listening to Tang Xiaochuan, he said: "Okay, I see, continue with your side, and I will figure out a solution for the He family's affairs!"

After hanging up the phone, Tang Xiaochuan raised his hand and said to Lei Huo: "Old Lei, let me find out what properties the He family owns!"

Lei Huo quickly searched the industry situation of the He family in Xiangjiang. On the virtual image light curtain, Tang Xiaochuan saw the main pillar industry of the He family, a shipbuilding group, with four subsidiaries, one of which was shipbuilding, and the other three were To produce components, there is also a listed electronic component manufacturing company, which is not small in scale and is also a listed company.

Tang Xiaochuan took out his mobile phone and called Pang Yidong.

"Mr. Tang!" Pang Yidong's voice came from the phone.

Tang Xiaochuan asked: "Mr. Pang, have you contacted the He family? Have you made a price?"

"I've made contact with him. I personally went to meet He Runsheng, the helm of the He family. During the conversation, this Mr. He had no intention of transferring the shares. I heard that this old Mr. He loved his second son He Jingdong more. If you want to know why Jingdong keeps the Huayue Bank industry, it is reasonable not to transfer the equity!"

Tang Xiaochuan thought about it for a while and said to Pang Yidong: "Let's do it first, and then go to war, and then you can talk to Mr. He and make a price directly. I will pay 23 billion for the 60% equity jointly owned by the three companies! Of course, this price is not Absolutely, as long as Mr. He intends to transfer the equity, the price can still be negotiated!"

"Okay, I understand, Mr. Tang!"

Of course, at eight o'clock in the evening, Tang Xiaochuan received a reply from Pang Yidong.

"Mr. Tang, I went to see Mr. He just now. I can see that He Runsheng is reluctant to transfer Huayue Bank. This bank has gone through four generations, starting from his grandfather, passing down to his father, and passing down from his father to him. In his hand, he passed it on to his second son. After all, it has a history of 80 or 90 years. The current situation of the bank is going from bad to worse. He and his second son have no good way to turn the situation around, so his psychology should be very contradictory now. I think we should give him some time!"

Tang Xiaochuan said after listening: "I see, I will give them three days, if there is no reply after three days, I will use financial means!"

Two days later, Pang Yidong called and said that the He family agreed to talk.

After hanging up the phone, Tang Xiaochuan asked his wife, "Jingwen, do you want to go to Xiangjiang?"

Guan Jingwen, who was eating snacks, turned her head and asked, "Are you going to Xiangjiang?"

"yes!"

"Where are you going?"

"Didn't I tell you last time that buying a bank is not feasible in China, so I set my goal in Xiangjiang. There is a Huayue Bank in Xiangjiang. At present, there are some problems in the operation of this bank, and its market value has shrunk significantly. , it is a great time for acquisition!"

Guan Jingwen thought about it, "Okay then, I also happened to go to Xiangjiang to buy some things for myself, and I also bought some baby products for the baby!"

That night, the two flew to Xiangjiang by special plane, and stayed in the hotel directly after getting off the plane.

The next morning Tang Xiaochuan didn't go to discuss business, but went shopping with his wife.

He really underestimated Guan Jingwen's potential, she walked fast with her big belly, and was even more energetic than usual when shopping, and bought a lot of things in less than two hours, the trunk of the car couldn't fit.

After lunch, Guan Jingwen, who returned to the hotel, sorted out her battle results in the room. Pang Yidong came to see Tang Xiaochuan, and the two discussed meeting He Runsheng in the living room.

Tang Xiaochuan asked: "Mr. Pang, He Runsheng can be regarded as a man of the generation. How could he easily agree to talk to us?"

Pang Yidong thought for a while and said: "I also analyzed it. I personally think that He Runsheng agreed to talk with us. There may be several reasons. First, he already knew that Mr. Tang was determined to win. Mister has strong financial resources, if he persists, he may be the one who will lose more in the end!"

"Secondly, the current situation of Huayue Bank is not very good. It has been losing money for three consecutive years, and even some branches can no longer sustain. This year's situation is also not good for Huayue Bank, and it will have a greater impact on other industries of the He family. The two listed companies of the He family have to borrow from the bank for the past two years to barely survive!"

"Thirdly, He Runsheng is very disappointed with his second son, He Jingdong. He Jingdong's management of Huayue Bank has not improved for several years in a row. Instead of continuing to lose money, it is better to take this opportunity to sell for a good price!"

Tang Xiaochuan nodded after listening, and asked, "How did you arrange the meeting with He Runsheng?"

Pang Yidong said: "It will be arranged at nine o'clock tomorrow morning, at the headquarters of Huayue Bank!"

After washing up this morning and eating breakfast in the hotel restaurant, Tang Xiaochuan asked, "I'm going to meet with the chairman of Huayue Bank, He Runsheng, to discuss the acquisition. Do you want to go with me, or go shopping by yourself?"

"Go and do your work, I'll meet some friends and talk to them!"

"Okay, pay attention, don't be too tired!"

"Um!"

Together with Pang Yidong and others, they took a special car to the headquarters of Huayue Bank. As soon as the car stopped, Tang Xiaochuan and others got out of the car and saw an old man in a suit walking down the steps with a cane and a group of young people in the same suit and leather shoes. .

"Welcome Mr. Tang!" He Runsheng walked over with a smile and extended his hand to Tang Xiaochuan, his voice was resonant.

Tang Xiaochuan shook hands with He Runsheng, "I've heard Mr. He's name for a long time, and it's like thunder, and I can see you today. It's a pleasure to meet you!"

"Hahaha, Mr. Tang is flattering the old man, please!"

"Thank you!"

The two entered the bank and went to the elevator. He Runsheng asked, "I heard that Mr. Tang arrived the night before yesterday. I wonder if Mr. Tang is used to the life and food here in Xiangjiang?"

"It's okay. The char siu and roast goose here are very good. I went to a few old shops to taste them yesterday. It really was a worthwhile trip!"

He Runsheng asked again: "Mr. Tang has a special liking for our Huayue Bank. If we can cooperate successfully this time, how will Mr. Tang plan to run this bank?"

Tang Xiaochuan said with a smile: "Mr. He, to be honest, I don't understand banking operations, but this is not important to me. It doesn't matter if I don't understand. As long as I can find someone who understands to run the business, Liu Bang doesn't know how to fight. Not to mention governing the country, but he also founded the Great Han Dynasty and put talents in proper positions, he can play the most important role!"