Zhuang Qingquan, who originally thought that Standard Chartered Bank and Hua Xia Bank could help, would not have thought that the two changed their minds in just one day! If it is a family, it may be because of financial problems, and now the two together have made it clear that it is impossible to save.

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

It can be said that in the business world, it has been a struggle for many years, if no one greets these two banks. It's impossible to change the divination together, after all, the banker has not yet reached the limit. But who has the power to make the two big banks lose their reputations and ignore Hang Lung Bank's affairs at the same time?

When I got home in the evening, I saw my cousin Zhuang Rongkun was already waiting for him at home. In recent days, the division of labor between the two brothers has been very clear. Cousin Zhuang Rongkun is sitting in the bank to deal with the run crisis. The younger brother Zhuang Qingquan went out to major financial institutions to lend funds.

Seeing the expression on his brother's face, he knew that things were not going well, otherwise it would be impossible to be so frowning. However, his life in the bank was not easy. There were more than 1,000 depositors who came to withdraw money today. For these small banks, they couldn't stand such a toss.

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

Zhuang Qingquan replied: "I don't know what's going on. Standard Chartered and Huaxia Bank promised to guarantee us before, but I don't know why they suddenly changed their minds. It was originally an appointment to have dinner with Bauhaus-Sanderson. Dinner, but the other party actually told me that there is an urgent matter that needs to be dealt with and there is no time in a short period of time. And it has made it clear that Standard Chartered Bank is too busy to take care of itself, and has no ability to guarantee Hang Lung Bank anymore.

"Standard Chartered's attitude is very clear, they just don't want to help. They are a bank that has been in the business for more than a hundred years. It is impossible for them to have no background at all, and they also have the right to mint coins. Everything is just an excuse for others."

"The bankers haven't reached the point of exhaustion, and they have fallen into trouble like this. When dealing with these British people in the future, you must be more careful."

Zhuang Rongkun had already thought of the outcome, but he still asked reluctantly, "What about Huaxia Bank! Don't they want to help?"

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

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

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

"It's all my fault this time. At first, I thought that helping Xie Liyuan Gold Shop Guarantee was to have a relationship with the Xie family. Who would have thought that Xie Zhichao was just in the name of the Xie family, and that the Xie family in the casino would not care about him if there was a problem."

"Now Mr. Xie is starting to be a bachelor, which makes us unlucky; what are you talking about?"

At the beginning, Zhuang Rongkun made a guarantee for Xie Liyuan's "Thousand-Foot Gold Accumulation Plan", for which Zhuang Qingquan reminded him many times. Especially during the time when the price of gold was soaring, I hoped to see the real gold purchased by Xie Zhichao many times, even if there was no real gold, it would be futures.

However, Zhuang Rongkun felt that doing so was distrusting the Xie family. After all, the Xie family had run the gold shop business for more than a hundred years, and the family definitely had gold reserves. It was nothing to deal with the purchase amount of Xiangjiang.

The two brothers of the Zhuang family fell into contemplation in the living room. At this time, Zhuang Xiaohui, the eldest daughter of the Zhuang family, came to his father, Zhuang Qingquan.

Seeing his daughter coming to Zhuang Qingquan, he felt a little gratified. Not only was his daughter beautiful, she was also very capable. Now he is the lobby manager of Hang Lung Bank, and handles banking affairs with ease. And there is no temperament of the eldest lady, and it is well received by customers.

Zhuang Xiaohui looked at the two brothers of the Zhuang family and said, "Uncle, father; I don't know if you have heard any news today. Bao Zixuan of Heiyun Group visited Bauhaus Sanderson, president of Standard Chartered Bank, in person. The two can talk a lot. We had fun, and we had lunch together. That's why Standard Chartered was taking deposits when there were runs on other banks."

As the lobby manager of Hang Lung Bank's head office, Zhuang Xiaohui learned the news from depositors. Considering that Standard Chartered Bank and Hua Xia Bank are not guaranteeing Hang Lung Bank, it is not difficult to see the truth inside.

The Zhuang brothers are not stupid, they can say it all. Zhuang Rongkun said, "Qingquan, did you find any problems from what Xiaohui said."

Zhuang Qingquan: "You're saying that Heiyun Bao Zixuan doesn't want to see anyone helping us, and we haven't offended him; then what is his purpose?

As the lobby manager of Hang Lung Bank, Zhuang Xiaohui has been to Heiyun Group several times, mainly because she wants to bring in some business. He has several classmates who work in the Black Cloud Group, and he also inquired about some news from the classmates.

Zhuang Xiaohui: "Uncle, father; I have a few classmates who work in Heiyun Group. Although they are not senior managers, they are also working in Heiyun headquarters. I can get first-hand information. In fact, the last time Swire Pacific acquired After the defeat of the war, the Black Cloud Group had the idea of setting up a bank."

"But it was rejected by Bao Zixuan. At that time, he still had his studies unfinished. There are still many things in Heiyun that have not been perfected. After all, Bao Zhixuan didn't put all his attention on business management before."

"Now that all studies have been completed, it can be said that the focus of future work will definitely be on Xiangjiang. We don't know how big the Heiyun Group is, but the annual sales volume is definitely an astronomical figure from the scale of the factory's personnel."

"The Xie Liyuan gold shop incident is a crisis for us, and it is a good opportunity for the richest man Bao Bao to buy the bottom. Hang Lung Bank must be targeted by the richest man Bao, otherwise Standard Chartered Bank and Huaxia Bank would not be able to change their minds temporarily. "

Zhuang Qingquan was very relieved to hear her daughter's analysis. Her daughter's ability is much stronger than that of several sons. He has the heart to pass on the family business to his daughter, but traditional thinking has always been afraid to do so, after all, her daughter will marry sooner or later.

But before she gets married, she still needs her daughter to take care of some things, especially at this time, when it is related to the life and death of Hang Lung Bank. If you involve your son now, wait for the bank to fail!

Zhuang Qingquan: "Xiaohui means that Bao Zixuan wants to buy our bank, can he see our scale!"

Zhuang Xiaohui: "I guess this is just the first step for the richest man Bao to enter the banking industry. Now this environment is not only sad for one of our banks, but other families are not much better. Bao Zixuan is very ambitious. It is not difficult to see what kind of enterprise he wants to develop into Heiyun. Wherever the factory is built, the bank must be opened.

"Bao Zixuan and I have overlapped in studying in the UK for a year, but you know what! He has never attended any parties, and he is the only one of the Hong Kong students in the UK who never attended parties. Even some people's family conditions are not as good as his. , but he still attends parties. Not only is it a gathering of international students from Hong Kong, but he is rarely seen interacting with other students in Oxford. At the same time, he spends a long time in the laboratory, and he has to finish the project before taking a break. UU Reading www.uukanshu.com We only heard about it, but it was later confirmed."

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

In this era, families with a little ability in Xiangjiang will send their children to study in the UK, and bankers are of course 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 his mother to work too hard. At the same time, he is the only one who studies science and engineering, and his studies are the most important for international students from Xiangjiang.

Zhuang Rongkun: "Xiaohui's analysis is very reasonable. How should we deal with it? Is it really necessary to surrender the bank? I'm really not reconciled."

Zhuang Xiaohui: "Now we need to take several steps. First, we need to improve the confidence of depositors and find some big banks, financial enterprises, or big companies to provide guarantees. Although it seems that it does not make much sense now, we must also try."

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

"Third, since we know that the richest man Bao is interested in the bank, we will support it for a while, and pretend to mobilize funds from Southeast Asia to try to sell it at a good price."

Zhuang Xiaohui's method is very feasible, but Zhuang Rongkun is lost in thought; Zhuang Rongkun illegally misappropriated more than 200 million Hong Kong dollars from Hang Lung Bank, and the money alone was enough for him to drink a pot.

Whatever the outcome, as long as the bank is no longer run by the bookmaker, he could face jail time.