The Industrial Giant Reborn

Youde took a sip of Budweiser and said: "As long as Chen Sheng can take over Hisense Bank and solve the immediate problem without the support of the Hong Kong government, then I can provide 3 years of tax relief, 30% , how, this is equivalent to one year, Hisense Bank does not need to pay taxes!"

Although the current situation of Hisense Bank has not yet reached a state of festering, the bank run crisis is like a forest fire. If it is not extinguished in the early stage, it will cost ten times or more in the future. Now, he has just succeeded the Governor of Hong Kong. When something like this happened, he, who had enough experience in governing, knew that he had to put an end to it immediately.

However, the opposition within the Hong Kong government is very serious. Many people belong to a faction, but no matter what the future situation will be, they just think that there will be big problems under the management of their political opponents, so that they can gain the right to speak for themselves, and Hong Kong’s quasi-central bank HSBC Over there, Shen Bi has made it clear that he refuses to participate in this matter, and Standard Chartered thinks that Hisense is too large and they cannot afford it. With no choice, Yoder can only find this person who has just been identified by Fortune as a Chen Zhiwen, the richest Chinese in the world, is currently the only one in Hong Kong who has the ability to solve this problem.

"Such conditions are very good, but the transaction price has not yet been announced, so I cannot make any promises." Chen Zhiwen replied politely.

The current mess of Hisense is actually worse than when Hang Seng Bank was acquired by HSBC. Although Hang Seng Bank has always been larger than Hisense, in the 1960s, the gap between the so-called Great Chinese Bank and HSBC was completely exponential. For HSBC at that time, it was easy to save Hang Seng, but now, if you think about Hisense, you may have to pay a certain price.

What Shen Bi is currently pursuing is the internationalization of HSBC. With Hang Seng Bank, the acquisition of another Chinese bank will not help HSBC's business in Hong Kong. Under such circumstances, Chen Zhiwen also guessed that HSBC would not Will help, because in the original history in 1985, Hisense was also taken over by the Hong Kong government, not HSBC.

"Of course, for the price, you negotiate with the board of directors of Hisense Bank. I think they are willing to reach an agreement with you quickly, because every night, the run on Hisense Bank will only become more serious, but relatively speaking, the run There are too many, Mr. Chen, you may face more problems after taking over the bank, so I hope you can find a balance, my request is that the run event should not spread to other banks and financial companies." Youde said.

As the governor of Hong Kong, he doesn't care who buys the bank, but if the bank run spreads and causes major social and economic problems in Hong Kong, it will be a black spot on his resume. He hopes that after serving as the governor of Hong Kong After that, you can also enter the British Parliament!

"No problem, I will definitely ensure this balance, Mr. Governor of Hong Kong, don't worry." Chen Zhiwen promised.

The current situation was arranged by Chen Zhiwen from beginning to end. From the very beginning of the report, to the promotion of the run, and the report of Assistant Ye Zhuangling, it was to suppress the share price of Hisense Bank step by step to minimize his acquisition cost.

Who asked these people to deliberately make false accounts to conceal huge losses, and dug a super big hole for themselves. At the same time, if it is not revealed in advance, the future Hong Kong society will suffer even greater losses, and a large number of ordinary people may go bankrupt. It is also possible to buy a bank with billions of deposits worth more than 10 billion Hong Kong dollars at a low price. At the same time, it can also guarantee that the interests of ordinary people with deposits will not be damaged, or the losses will be small, and the Hong Kong government will not need to pay a large amount of fiscal revenue in the future. Wipe your ass on this thing.

Killing three birds with one stone, the only loss is Hisense Bank's board of directors. This group of people will probably go in anyway, and they deserve it.

"Well, I hope we can cooperate like this in the future." Youde raised his glass and said with a smile.

As the governor of Hong Kong, although he has great powers, he also has many restrictions, especially when it involves a large amount of capital investment. When the fiscal revenue does not allow, he also needs to rely on the local super-rich group.

As for consortiums such as HSBC and Jardines, although they also gave him face as the new governor, it would be better to have one more person who can help. What's more, Chen Zhiwen's financial resources are obviously stronger than Jardines, and may not be comparable to HSBC, but HSBC is a bank. , Funds cannot be used casually.

Not to mention, in the whole of Hong Kong, there are as many as 50,000 to 100,000 jobs directly and indirectly controlled by Chen Zhiwen. The influence is so great that the Hong Kong Governor's Office has to give three points of face. This is what Governor MacLehose said to him before.

"No problem, as long as Mr. Governor has a request, if I can do it here, I will definitely cooperate." Chen Zhiwen said with a smile.

...

After returning to Xinghe Building, Chen Zhiwen called Li Haonan and informed him of the verbal agreement reached by Governor Youde.

This kind of thing will not leave written evidence, and the governor of Hong Kong is not a fool. This kind of transaction may leave a clue to his political opponents in the future, and Chen Zhiwen is the same, no written evidence is required.

"Since the Governor of Hong Kong has stated that he will not intervene, as long as we control the run, we can buy Hisense Bank at the lowest price!" Li Haonan said.

"Then communicate with the board of directors of Hisense Bank?" Chen Zhiwen nodded, and asked again: "The people on the board of directors will not all go in?"

Hisense Bank’s biggest problem now is that lack of money is only one of them. The more important thing is that depositors have no confidence in it. They are afraid that their deposits will be gone. If confidence cannot be restored, even if they give another billion, it will not be enough to run Yes, for similar incidents in previous years, the Hong Kong government or HSBC had to come forward to calm down the scene, and if it was a smaller bank, Standard Chartered would do as well.

But now, only Chen Zhiwen, known as the richest Chinese man in the world, is willing to come forward.

After coming forward, Chen Zhiwen's influence and financial resources in Hong Kong need to be used to suppress the run upsurge. Once the run is over, Hisense Bank's real loss of 60 million US dollars can actually be handled by Hisense itself! This loss will naturally be borne by the current shareholders of Hisense Bank, and Chen Zhiwen's acquisition will only be much lower than this theoretical value.

Any bank run is the biggest risk. There are advantages and disadvantages in everything. With great influence, you need to face this risk. This is why Chen Zhiwen didn't start a bank early. There is no need to intervene in the bank when other businesses have not been considered stable, especially the early real estate companies need to rely on other banks. Once they have a bank, they will become competitors with other people, and now their own industry The scale is stable and large, and reinvesting in banks seems to go with the flow.

Another point is that the operation of a bank mainly relies on trust. When one's early reputation is not enough, even if one runs a bank, one may not be able to achieve much. Now, once one enters a new bank, there is a high probability that most people will be interested in the bank. Confidence, so that you can get enough customers and deposit funds in a short time, etc. From this point of view, there is actually not much difference between entering the banking field early and entering late. The real opportunity for banking business to take off is a few years later.

"I was arrested before, but they didn't directly defraud. Although a lot of money was involved, the crime of cover-up itself is not very big. They have connections and money. They applied for bail on the day they entered. The Hong Kong government also It's just that they are prohibited from leaving the port, and Huang Changzan called me yesterday." Li Haonan said.

"It's good to have money." Chen Zhiwen nodded, and said, "Then let's talk about it. Hisense Bank is already a bereaved dog. Just give them a chance and let them go. What I need is a full acquisition."

"Okay, no problem." Li Haonan nodded and said.

On May 25th, in a high-level meeting room of the Hilton Hotel in Hong Kong, Li Haonan brought several legal and business staff here, along with several senior executives and several shareholders of Hisense Bank.

"Huang Sheng, please sit down." Li Haonan gestured politely.

"Thank you." Huang Changzan and a group of people from Hisense Bank also took their positions.

There was not much useless nonsense, and the two parties directly entered the topic. After some discussion, Li Haonan quoted his own price: 300 million Hong Kong dollars.

Huang Changzan and the others turned dark, and said, "Li Sheng, although our Hisense Bank is facing a crisis now, it was the third largest bank in Hong Kong before. The entire bank has a large number of high-quality assets, professionals and various The business, even if it is being run on now, should not only be worth 300 million, not to mention, the headquarters building and some bank branch properties held by our Hisense Bank alone are not worth more than 300 million according to the current value."

Several people around Huang Changzan also agreed, not to mention virtual assets, even Hisense’s self-built properties in Hong Kong over the decades of development are not only 300 million Hong Kong dollars.

"The past is the past. It doesn't make any sense to say that the past is the past. The company owned by our boss was not well-known in Hong Kong a few years ago. The past of Hisense Bank is also the past. What I want to buy is the current Hisense Bank. As for the run, it is also the past. Issues we need to consider." Li Haonan said: "Bank depositors are debts, and now a large number of creditors are asking for debts, and Hisense cannot provide enough funds. In this case, the capital chain is equivalent to being broken. After we take over, It is expensive to restore.

As for the various assets you mentioned, whether they are fictitious or real, the premise of their existence is that Hisense Bank can survive. Otherwise, all employees will leave, and those properties will also be auctioned, depending on the current run. However, it is not enough to sell these properties. I think there should be shareholders of Hisense Bank present, right? If Hisense is really run out and bankrupt, not only will you not get any money, but you will also have to bear certain responsibilities. By then, there may be a lot of debts, right? And now if you promise us, at least you can get back a little. "

Most of the companies in Hong Kong are limited liability companies. That is to say, if they go bankrupt, the original shareholders need to bear the responsibility within a certain range. That is to say, if Hisense goes bankrupt, the major shareholders need to continue to accompany the money.

"The run will indeed cause big problems for Hisense, but if you buy it, relying on Chen Sheng's reputation, the run will stop immediately, and the large amount of funds that were previously sold will lose interest instead. These are also the bank's profits. Look, in addition to the loss of 60 million US dollars, if Chen Sheng buys Hisense, he will get a complete bank with a scale of more than 10 billion. This kind of bank, under normal circumstances, does not have four or five billion Hong Kong dollars, which is impossible Acquisition." Huang Changzan said.

"So? So what?" Li Haonan shrugged.

"Chen Sheng can be said to have picked up a big bank in Hong Kong for nothing. He only gave 300 million yuan, which is too little, right? We have discussed it before we came, and our quotation is 800 million Hong Kong dollars. Please also ask Li Sheng to pass it on to Chen Sheng. "Huang Changzan said.

Li Haonan smiled and said: "Huang Sheng, you don't seem to understand the current situation. If we buy Hisense, we can indeed suppress the run, but we can only rely on the reputation of our boss. You don't think this is worthless Right? How much money can you spend to buy our boss' promise?"

"I understand what Li Sheng means, but Hisense's current situation is also a way for Chen Sheng to acquire a bank at the lowest cost. If he misses this opportunity, he will have to pay a high price." Huang Changzan said after a pause.

"Indeed, but if you don't sell today, the Hong Kong government will have to take over the mess in person after you are run out and bankrupt. We can get everything we need from the Hong Kong government at that time, but will you? You guys know what the ending will be." Li Haonan said with a light smile.

This is indeed a method, but in this case, the problem caused by the run will be very serious. It is estimated that I will spend a lot of energy and time to deal with this mess in the future. Control within the scope of Hisense Bank, preferably as small as possible.

"As for the price, can we discuss it again?" Huang Changzan and the others looked at each other, and knew that he had nothing to offer on his side, and the other party obviously decided on him.

"You can go back and discuss it, but I can wait for you, but the depositors outside can't wait. The longer it drags on, the more damage the Hisense Bank's run will cause. Maybe in two days, we won't even pay 300 million yuan. Here." Li Haonan said calmly.

"Okay, I will inform Li Sheng as soon as possible." Huang Chang agreed, and he also knew that time was running out.

The next day, Li Haonan received an affirmative reply from Huang Changzan. Apparently they discussed overnight, and in the end they had no choice but to sell the entire bank at a low price. road.

After informing the boss, Li Haonan immediately held a press conference. Hisense Bank was officially acquired by Mr. Chen Zhiwen, the richest Chinese man, and became an independent company under him.

When the news came out, all the depositors who were about to withdraw their money were stunned.