The Industrial Giant Reborn

A week later, Galaxy Tower in Hong Kong:

"Chen Sheng, the loan from Hisense Bank has been paid, and 500 million Hong Kong dollars has arrived in our account." Li Haonan came to report early in the morning.

"The speed is quite fast. It seems that Huang Changzan has spent a lot of effort." Chen Zhiwen said with a smile. For a bank with a deposit of only 12 billion Hong Kong dollars, it is still a bit difficult to issue 500 million loans in a short period of time. Yes, because under normal circumstances, a large amount of deposits must be lent out, and the bank itself only reserves the minimum amount stipulated by the government. In Hong Kong, this amount is currently 20%. If 500 million can be withdrawn so quickly, it must be used. Guaranteed funds, or emergency borrowing from other places.

"Yes, it is said that the funds were borrowed from several overseas banks." Li Haonan said again: "We have arranged for someone to contact a deputy financial director of Hisense Bank. He is willing to cooperate with us, but he can't get the funds from Hisense Bank. Substantial evidence of high-level fraudulent accounts, but he produced a lot of evidence of abnormal fund transfers from Hisense Group. These are actually the performance of Hisense Bank in order to make up for this bad debt. He asked for 1 million US dollars, and then we arranged to send him abroad. He Needing to keep himself safe, he also offered to work for our group overseas."

"It's impossible. You can give me money, but it's fine if you work for us." Chen Zhiwen shook his head and said, he naturally has to be rewarded for what he does. The vice president of finance of Haifeng Bank is considered a high-end worker in Hong Kong. It's normal There are hundreds of thousands of Hong Kong dollars a year. Even if Hisense goes bankrupt one day, as long as he does not excessively participate in the fraudulent accounting, he will have no problem changing jobs, and reporting his own company, even if there is no legal problem, But this also cut off his job hunting in Hong Kong and even other countries, because no company would want such a person.

To make others pay such a price, it is natural to give benefits. Compared with a bank that is the third largest bank in Hong Kong, a bank with a complete banking system, a large number of customers, and even a bank that has begun to expand overseas, this amount of money is nothing. The most important thing is that the person who reported it may really be in danger of life.

In general, business wars in novels are all kinds of high-IQ games within the scope of the law, but in reality, it is another matter. If you are in a hurry, anything can happen. For example, Carrian Group will be severely investigated by the Hong Kong government next year. , because an auditor of a major bank in Malaysia was killed, which almost triggered diplomatic and diplomatic disputes and seriously damaged Hong Kong's economic image.

"This person's attitude is very tough. He must have a job. If this is the case, I'm afraid it will delay our plan." Li Haonan said with some concern. It is actually very difficult to arrange a job for a person with his position. Easy, with an annual salary of one million Hong Kong dollars, they can be directly appointed at the top of the group, and the boss usually doesn't ask much. But this person is a little sensitive and must be approved by the boss.

"That's it. Ask him which country he plans to go to. Over there, let him invest in a store and become a distributor of Midea. In this case, it will be just an ordinary cooperative relationship with us." Chen Zhiwen thought for a while and said, indeed There is no need to waste time because of such trivial matters, it is not worth it.

"Okay, then I will arrange it." Li Haonan agreed, and asked again: "Then what should we do with the 500 million Hong Kong dollars we got?"

"Let's keep it for now. If the speed is fast, we can acquire Hisense. The money will be integrated with the bank, and there is no investment for the time being." Chen Zhiwen said, he is not short of 500 million Hong Kong dollars at all, purely to increase Hisense. The bank's financial pressure, if you buy it yourself, this pressure will become your own. At that time, the right hand will return the left hand, and the account will be settled. Besides, there are really no good investment targets in Hong Kong at present.

After entering 1982, many major events took place in Hong Kong.

The biggest impact of this is naturally the sharp drop in both land prices and stock prices. The transaction prices of houses and land in Hong Kong, except for the vicinity of the Meidi Industrial City in Yuen Long, have stabilized, and other places have entered a decline mode. Well, the land king that Hongkong Land bought for 7.3 billion Hong Kong dollars last year can only be worth at most 5 billion Hong Kong dollars based on the price of nearby land. This project alone lost 2 billion Hong Kong dollars in half a year. It has become a topic of leisure for the people of Hong Kong.

However, Hongkong Land obviously does not think so, and it continues to expand. In March this year, Hongkong Land and Yida Group won the large-scale villa project in Baibishan for 1.38 billion Hong Kong dollars, and acquired the Hong Kong Telephone Company for 3.49 billion Hong Kong dollars. % of the shares, since then, Jardine Group has added a company with a market value of more than 10 billion Hong Kong dollars. It is so popular that it seems to have a tendency to suppress HSBC and Chen Zhiwen.

As for the stock market, the Hang Seng Index hit a peak of 1,860 points last year, and has been falling in waves. Now, it is less than 1,200 points.

Although it was not a sudden plunge like in 1973, the long-term and chronic ones also have a serious impact on society, especially banks. Under the trend of sluggish real estate, there are very few new projects. In the past, the collateral of many real estate companies, whether it is property or Stocks, all began to fall, mortgage risks increased, yields decreased, and life was difficult for all banks.

On May 5, a piece of breaking news was sent out from Ming Pao: An unknown high-level executive of Hong Kong Ocean Trust Bank, with evidence of abnormal transactions of Hisense Bank, walked into the Hong Kong Independent Commission Against Corruption and made a real-name report to the public and the government Concealing bad debts, the suspected funds are as high as 300 million Hong Kong dollars.

As soon as this news came out, the stock price of Hisense Bank immediately plummeted by 30%, the Hang Seng Index immediately hit 30 points, and everyone in the stock exchange immediately became busy. It was either a bunch of Hisense shareholders eager to sell their stocks, or a bunch of work. The staff then called to sell the stock.

After reacting, Hisense Bank immediately held a press conference, declaring that the matter was fabricated out of nothing, and that it was deliberately framed by a friend. However, in the face of the follow-up reporter's questions, it was a little powerless to answer. It was all because the situation was not clear at the moment, and it was a bit discerning See, we all know that there must be something wrong with Hisense Bank internally, but I don't know if there is 300 million Hong Kong dollars.

After the press conference, Huang Changzan sat on the sofa in his office with a tired face. At the press conference just now, he was questioned by a group of tricky reporters. , but it feels like months have passed.

At this moment, there are several vice presidents of Hisense Bank by his side. These people can be said to be the current core executives of Hisense Bank.

"Have you found out what evidence Shen Changqing brought to the ICAC?" Huang Changzan asked after a short break, breaking the silence.

"I don't know. He's one of the people in charge of finance. Even if he doesn't have access to our core data, he will definitely find the abnormality of our transfer. Just this abnormality must indicate that there is a problem." Hisense Bank's financial manager Xie Hongbing, the general manager, said.

"Are you sure he doesn't have access to our core data? Then how do the outside world know that our bad debts are 300 million Hong Kong dollars? The difference between this figure and our actual accounts is less than 5%, how do you explain it?" Huang Changzan asked.

"This" Xie Hongbing was speechless when asked. It involved concealing bad debts worth more than 60 million U.S. dollars. This operation would definitely not be able to hide some middle and high-level people inside the bank, but they would only know that there was a problem. How much? It is impossible to know, knowing this data, there are only a few people present in the entire bank, and no one knows how Shen Changqing, who went to report it, came up with this data.

"The problem now is not Shen Changqing, but how we will face the ICAC's investigation and temporarily appease the public's confidence. Otherwise, once a run occurs, even if the ICAC finds nothing, we will It's all over." Another executive said that facing a large-scale run, a normal bank would definitely not be able to bear it. If you give money, the bank's internal funds will definitely not be enough. If you don't give it, once the news spreads, it will only cause more serious problems. The run on the company, and even other partners of his own, will also force him to ask for debts, and the whole building will completely collapse.

"According to the procedure, the Independent Commission Against Corruption will come to investigate soon, and this matter cannot be hidden. Such a large bad debt, unless the same funds are found from other places to fill in first." Xie Hongbing said.

"I can find so much money to fill in, I have already found it, why wait until today." Huang Chang said with admiration.

"Didn't we borrow 500 million Hong Kong dollars from several Japanese banks before, can we borrow some more, and pass the current one first, as long as the ICAC is stabilized, we will find a way to stabilize those users who may run out, It will be able to temporarily pass that level." Xie Hongbing said.

"Before we were able to borrow 500 million, it was because of Chen Zhiwen's three words and the property mortgage he took out. What can we Hisense Bank do now? Especially now that this matter has been exposed, if it wasn't for Chen Zhiwen, if it was someone else It is estimated that the Bank of Japan will immediately urge us to borrow funds." Huang Changzan said.

"Then there is only one method left, and that is the risk is a bit high." Another person said.

"What method?" Hope ignited in everyone's heart.

"Give some benefits to the ICAC." The proposer said.

"Are you looking for death? And the people from the ICAC are so easily persuaded by you?" Huang Changzan almost spat out his old blood. He is really capable to come up with such a bad idea. Originally, they were just concealing their crimes. It is not a serious economic crime. Even if the amount involved is relatively large, even if it is involved, it will come out in a few years. But if bribery and ICAC are added, the penalty will be doubled several times in the future.

"Even if people from the ICAC were really bribed, this matter is so big, if nothing can be found out, the Hong Kong government will definitely intervene, and everyone will die even worse by then." Xie Hongbing also said speechlessly.

The person who proposed nodded and said: "Of course I know this is an act of courting death, but what we need to do is not to let the ICAC people not investigate, but to be later and slower. In fact, we all know that once the ICAC investigates, this The matter cannot be hidden at all, but if we can find out later, we will have time to stabilize the situation outside. As long as we suppress the run and find someone who can help us tide over the difficulties, then bad debts will break out later, and the matter will It can also be controlled.

Besides, Zhang Mingtian, who has passed away, is mainly responsible for this matter. We can say that we have just taken over the bank, and we are still not clear about this matter. As long as the bank does not close down and does not cause a financial run crisis, then spend some more money to hire a barrister , maybe all of us here can be saved from prison. "

After finishing speaking, everyone quieted down. Being able to avoid prison is the greatest hope of everyone at present. They, in fact, already knew about this in the era of Zhang Mingtian (the founder of Hisense, who passed away in February). There must be some responsibility, but after all, the main responsibility is still Zhang Mingtian. As long as the bankrupt crisis is not triggered and the incident passes, it is indeed possible to push away all the responsibility, and even after they are spared from prison, they can still keep their current jobs.

But if it is not controlled well, resulting in a run and bank bankruptcy, then the Hong Kong government will inevitably spend a lot of money to clean up this mess, and they will definitely not be able to afford it by then.

"But if we are still found, we." Another person whispered.

"In this way, those of us don't come forward, find someone else, ask this person to go to the ICAC, and give a hint, but we must find a barrister and negotiate how to say it. In turn, the department seized this person, and even if his conversation was recorded, he could still argue and ask the lawyer to shirk the responsibility, and once again, the responsibility will be cleared from us." After thinking for a while, Huang Changzan finally agreed .

In order to conceal a matter, it may be necessary to take greater risks to suppress it, but people are lucky, so they have to try it anyway. Many barristers in Hong Kong are actually serving the rich and nobles , especially those who are proficient in business, are best at getting rid of crimes for the rich and their families.

"Okay, I'll discuss this matter with Zhang Dazhuang now." The proposer agreed.

Xie Hongbing added: "The ICAC can only do this, but we still have to find someone who can support us, otherwise, once the facts are found out, I am afraid that all our accounts will be frozen immediately. At that time, I am afraid Even lawyers won’t talk to us anymore.”

"The only one who can help us is HSBC, but if we look for them, we will end up being swallowed up like Hang Seng. Besides, HSBC has been trying to internationalize over the years, so it may not be willing to spend so much money to help us. After having Hang Seng, they probably won't be very interested in acquiring other Chinese banks." Huang Changzan said with a frown.

Xie Hongbing said, "Then, what about Chen Zhiwen? Although he doesn't have a bank, it's easy for him to help us with his financial resources."

"We just cooperated with someone? Will he be willing to help us?" one person said.

Huang Changzan thought for a moment, then nodded and said, "This seems to be the only way. I'll find a chance to meet Li Haonan again. He is a celebrity around Chen Zhiwen, so he should be able to say something."

"Dong dong dong" knocked on the door, and before the people inside could speak, a young man in his 30s came in and said, "Huang Sheng, the people from the ICAC have already arrived downstairs, and our The news came from all the branches, and many people started queuing up to withdraw cash.”