Reborn in Hong Kong: The Tycoon Grows Up

Zhuang Qingquan, who originally thought that Standard Chartered Bank and Hua Xia Bank could provide help, never thought that both companies would change their minds in just one day! If it is one family, it may be because of financial problems. Now the two families have made it clear that they will not save the family.

After Zhuang Qingquan graduated from primary school at the age of 13, he went to the Philippines with his father Zhuang Cairun, where he received a middle school education and was fluent in Chinese, English and Filipino. The father and son started in the cigarette industry, and later founded a large-scale modern cigarette factory, and gradually formed the Zhuang Wanyi Group. The group invested in the Bank of Communications, Alliance Far East Development Co., Ltd., Central Apollo Steel Plant, and the Philippines Nanhua Tobacco Factory in the Philippines. Operating in textile, steel, real estate, tourism, import and export and other industries.

It can be said that in the business world, it has been struggling for many years, if no one says hello to these two banks. It is impossible to change their minds together, after all, the banker has not reached the end of the road yet. But who has so much energy that can actually make two major banks at the same time choose to lose their credibility and not care about Hang Lung Bank's affairs.

When he got home in the evening, he saw his cousin Zhuang Rongkun waiting for him at home. In recent days, the division of labor between the two brothers has been very clear. Cousin Zhuang Rongkun is in charge of the bank to deal with the bank run crisis. His younger brother Zhuang Qingquan went to major financial institutions to borrow funds.

Seeing his brother's expression, he knew that things were not going well, otherwise he wouldn't be so gloomy. However, his life in the bank was not easy. Today alone, more than 1,000 depositors came to withdraw money. For a small bank like them, they cannot withstand such a hassle.

Zhuang Rongkun said: "Qingquan, why can't things go smoothly?"

Zhuang Qingquan replied: "I don't know what happened. Standard Chartered and Hua Xia Bank had promised to guarantee us before, but they suddenly changed their minds for some reason. We originally made an appointment to have dinner with Bauhaus-Sanderson in the evening. During dinner, the other party actually told me that there were urgent matters that needed to be dealt with and there was no time in a short period of time. He also made it clear that Standard Chartered Bank was too busy to take care of itself and no longer had the ability to guarantee Hang Lung Bank."

"Standard Chartered Bank's attitude has been very clear. They just don't want to help. Even if they don't take into account, it is a bank that is more than a century old. It is impossible that they have no background at all, and they also have the right to mint money. Everything is just an excuse."

"The bankers are not at the end of their rope yet, they are just adding insult to injury. We must be more cautious when dealing with these British people in the future."

Zhuang Rongkun had already thought of the outcome, but he still asked without giving up: "What about Hua Xia Bank? Are they not willing to help?"

Zhuang Qingquan said with a wry smile: "The people from Hua Xia Bank told me that they have received instructions from the Kyoto head office and they are not allowed to interfere in the affairs of other banks in Xiangjiang. But I guess these are all excuses. They just didn't say clearly that they would not help because of face."

Zhuang Qingquan then asked: "Brother, how is the situation at the bank today?"

Zhuang Rongkun: "Today alone, more than 1,000 depositors came to withdraw money. The bank's capital reserves have decreased by 70 million. If this continues, our funds will bottom out in a few days."

"This time it's all my fault. At first I thought that helping Xie Liyuan's gold shop guarantee was to establish a relationship with the Xie family. Who would have thought that Xie Zhichao was just doing it in the name of the Xie family, and the Xie family in the gambling city didn't care about him at all when something went wrong."

"Now Young Master Xie has started to act like a bachelor, causing us to suffer the same consequences; what do you think this is?"

It was Zhuang Rongkun who overcame all objections to guarantee Xie Liyuan's "Qianzu Gold Accumulation Plan", for which Zhuang Qingquan reminded him many times. Especially during the period when gold prices soared, I had many times hoped to see the physical gold purchased by Xie Zhichao with my own eyes, even if there was no physical gold, it would be futures.

However, Zhuang Rongkun felt that doing so was a distrust of the Xie family. After all, the Xie family had been running a gold shop business for more than a hundred years. The family definitely had gold reserves, and it was nothing to cope with the amount of purchases in Xiangjiang.

The two banker brothers were lost in thought in the living room. At this time, the eldest daughter of the banker, Zhuang Xiaohui, came to her father Zhuang Qingquan.

Zhuang Qingquan felt a little relieved when his daughter arrived. Not only was his daughter beautiful, she also had outstanding abilities. Now he is the lobby manager of Hang Lung Bank, and he is also very comfortable handling banking affairs. And she doesn't have a bit of a ladylike temper, which is highly praised by customers.

Zhuang Xiaohui looked at the two banker brothers and said: "Uncle, father, I don't know if you heard the news today. Bao Zixuan of the Black Cloud Group personally visited Bauhaus-Sanderson, the president of Standard Chartered Bank. It can be said that the two of them had a great conversation. They had fun together and had lunch together. It is for this reason that while other banks were experiencing runs, Standard Chartered was taking deposits."

As the lobby manager of Hang Lung Bank's head office, Zhuang Xiaohui learned the news from depositors. After combining Standard Chartered Bank and Hua Xia Bank to provide guarantees for Hang Lung Bank, it was not difficult to see the truth behind it.

The Zhuang brothers are not stupid people, and they can speak clearly. Zhuang Rongkun said: "Qingquan, did you find any problems as Xiaohui said?"

Zhuang Qingquan: "You are saying that Heiyun Bao Zixuan does not want to see anyone helping us, and we have not offended him; so what is his purpose.

As the lobby manager of Hang Lung Bank, Zhuang Xiaohui has been to Heiyun Group several times, mainly to attract some business. Several of his classmates work in Heiyun Group, and he also got some information from his classmates.

Zhuang Xiaohui: "Uncle, father, several of my classmates work in Heiyun Group. Although they are not senior managers, they still work at Heiyun headquarters. I can get first-hand information. In fact, the last time Swire Pacific acquired After the defeat of the war, Heiyun Group had the idea of ​​establishing a bank."

"But it was rejected by Bao Zixuan. He had not finished his studies at that time. There are still many things within Heiyun that have not been perfected. After all, Bao Zixuan did not focus all his attention on business management before."

"Now that I have completed all my studies, it can be said that the focus of my future work will definitely be on Xiangjiang. We don't know how big the Heiyun Group is, but judging from the number of employees in the factory, the annual sales volume is absolutely an astronomical figure."

"The Xie Liyuan Gold Shop incident is a crisis for us, and a good opportunity for bargain hunting for Bao, who is not short of money. Hang Lung Bank must be targeted by Bao, otherwise Standard Chartered Bank and Hua Xia Bank will not be able to change their minds temporarily. "

Zhuang Qingquan was very pleased to hear her daughter's analysis. Her daughter's abilities were much better than those of her sons. He is determined to pass on the family business to his daughter, but he has been afraid to do so due to traditional thinking. After all, his daughter will get married sooner or later.

However, before getting married, the daughter still has to take care of some things, especially at this time, when the life and death of Hang Lung Bank is related. If you involve your son now, please wait until the bank collapses!

Zhuang Qingquan: "What Xiaohui means is that Bao Zixuan wants to acquire our bank. Can he appreciate our size?"

Zhuang Xiaohui: "I guess this is just the first step for Bao Zixuan to enter the banking industry. The current environment is not only difficult for our bank, but other banks are not much better. Bao Zixuan is very ambitious. He has been building factories all over the world. It is not difficult to see what kind of enterprise he wants to develop Heiyun into. This kind of person will definitely open banks wherever his factories are built."

"Bao Zixuan and I studied abroad in the UK for a year overlapping each other, but you know what! He has never attended any parties. He is the only Hong Kong student in the UK who never attends parties. Some people even have family conditions that are not as good as his Okay, but he still attends parties. Not only are there gatherings with international students from Xiangjiang, but he is rarely seen interacting with other students in Oxford. At the same time, the time in the laboratory is very long, and the project must be completed before resting. These We all just heard about it, but it was later confirmed.”

"From here, it is not difficult to see that this person is persistent in things and does not like meaningless social interactions. He has a very clear purpose in doing things, and he is the kind of person who will never give up until he achieves his goal."

In this era, families with some ability in Xiangjiang would send their children to study in the UK, and bankers were certainly no exception. But what Zhuang Xiaohui didn't know was that Bao Zixuan didn't have time if he didn't attend the party, and he didn't want to make his mother too hard. At the same time, he is the only one studying science and engineering, and his studies are the heaviest among the international students from Xiangjiang.

Zhuang Rongkun: "Xiaohui's analysis is very reasonable. How should we respond? I really don't want to give up the bank. I am really unwilling to do so."

Zhuang Xiaohui: "We need to take several steps now. The first is to improve the confidence of depositors and find some big banks, financial companies, or large companies to provide guarantees. Although it seems of little significance now, we must try."

"The second is to let the Hong Kong government take custody of the bank. However, after doing so, it will be difficult for our bankers to continue to develop in Hong Kong."

"Third, since we know that Mr. Bao is interested in banks, we will support it for a while longer, pretend to mobilize funds from Southeast Asia, and strive to sell it at a good price."

Zhuang Xiaohui's method was very feasible, but Zhuang Rongkun fell into deep thought; he couldn't express his pain. Zhuang Rongkun illegally misappropriated more than 200 million Hong Kong dollars from Hang Lung Bank. This amount alone was enough for him to drink a pot.

Regardless of the outcome, he may face jail time as long as the bank is no longer run by a banker.