v2 Chapter 572： Processing HSBC Loans One

William-Morgan was worried that the night would be long and dreamy. After Bao Zixuan agreed, he asked Oakley to deal with the Hong Kong dollar exchange. Every extra day of delay is an extra day of risk, and getting Hong Kong dollars early can also make a fortune from other Wall Street hedge funds. Now he feels that he said a little bit at the time, and it is estimated that Bao Zixuan of 200 billion Hong Kong dollars would agree.

Oakley is worrying about the 100 billion Hong Kong dollar loan. The appreciation of the Hong Kong dollar is so great that the most important thing is that there is not much Hong Kong dollar in the market. It is impossible to collect 100 billion Hong Kong dollars. Even if the USD redeemed can't be exchanged for 100 billion Hong Kong dollars; it can be said that this business has a blood loss of at least 30 billion Hong Kong dollars.

Not repaying the loan will seriously damage the credit of Morgan Bank. The dignified Morgan family actually pays more than the bank loan. Isn't this making the whole world laugh at it?

Now I hear that Heiyun Bank is willing to unconditionally take over the loan between Morgan Bank and HSBC, which means that Heiyun Bank is willing to redeem the US dollars mortgaged by Morgan Bank to HSBC with 101.5 billion Hong Kong dollars. Now the exchange rate between the US dollar and Hong Kong dollar is only 70% of the original value, which means that Heiyun Bank directly took over the loan between them and HSBC with a huge loss of 30%.

How could Bao Zixuan, such a shrewd person, do a loss-making business? Could it be because of Miss. I have long heard that Bao Zixuan has a relationship with the young lady. The last time I came to Xiangjiang was to see the richest man Bao. It must be the young lady who found Bao Zixuan for help, and smiled for the Bomei people. Bao Zixuan would rather lose money and have to recognize the loan. It seems that men all over the world are the same.

When Oakley came to Heiyun Bank, he saw that there were a lot of customers here. In combination with Morgan Bank's Moncor, there is no harm without comparison.

Yuan Tianfan received Oakley. After all, the other party said that he was also the head of Morgan Bank Xiangjiang, where is the position.

After sitting down, the two began to handle matters such as Hong Kong dollar exchange and loan transfer. This may be the last business that Oakley has handled in Hong Kong, and he is going to return to the US headquarters to report his work in the near future. Because of a number of factors, including a misjudgment that HSBC would not be involved, he is likely to be placed on slack or resigned, and the latter is more likely.

After all the formalities were completed, Yuan Tianfan said, "President Oakley, I heard that you will be returning to the United States in the near future. What are your plans in the future?"

Oakley: "President Yuan is really well-informed, and is still waiting for further instructions from the company; I can only go back and see what the situation is saying. You also know that Morgan Bank suffered heavy losses this time, and someone must be responsible for this loss. I The position is neither high nor low, and it is on the front line, it is very suitable."

Yuan Tianfan heard the helplessness of the other party, so he said directly: "We are alumni, you should know better, but I graduated 10 years later than you. I found some information about the senior through school relations, but don't misunderstand, I do not There is no other meaning. Next year, Heiyun Bank will set up 20 branches in the United States, and it needs a president who is familiar with banking business in the United States. If you are interested, you can consider it; I will recommend the senior to the boss. "

It was unexpected for Oakley to recruit himself, but it was still an opportunity. Seeing that Heiyun Bank is so prosperous, the most important person, Bao Zixuan, is worth following. It is really a good choice to be able to work in Heiyun.

Oakley: "Thank you, buddy, I need to think about it. I've worked at Morgan Bank for nearly 20 years, and it's all still waiting to be said when I return to the United States."

"In addition, I have a question that I really want to ask my junior. If it's inconvenient, you don't need to answer it."

Yuan Tianfan said with a smile: "If you have anything to say, please speak directly. After all, the business has been completed now. After the official business is discussed, we can talk about any problems between our alumni. Do you think so."

This is the advantage between alumni, everyone can quickly find a consensus, and it is easy to close the relationship.

Oakley: "The appreciation of the Hong Kong dollar is so great now that the US dollar mortgaged by Morgan Bank in HSBC is not worth 101.5 billion Hong Kong dollars at all; according to the current exchange rate, it can be exchanged for about 70 billion Hong Kong dollars at most. Why did Heiyun Bank take over this loan unconditionally? Bao Sheng is very shrewd in business, how can he make a loss-making business."

In fact, Yuan Tianfan also asked this question. After all, it is a direct loss after taking over, and even all the profits this time will be lost. It was not until Bao Zixuan explained it to him that he suddenly realized, and he was still very happy.

Yuan Tianfan: "Since the formalities have been completed, there is nothing to hide. The senior will know sooner or later. I will tell you about it, but I hope the senior can keep it secret for a few days."

Oakley: "Please don't worry, junior. This is a personal matter, and it has nothing to do with our two banks. It's just that I am very curious."

Yuan Tianfan has to show some sincerity when he wants to recruit others, and the other is the confidence. Even if the other party leaks, it has nothing to do with the overall situation. After all, this time is a conspiracy, and HSBC can't tell even if it is suffering.

Yuan Tianfan: "Morgan Bank took a loan from HSBC and used US dollars as collateral, but now HSBC can't take out the collateral. We are all engaged in banking business. If you can't take out the collateral I put in your bank at that time, then this is the case. How is the loan calculated?"

"Now I go to HSBC with 101.5 billion Hong Kong dollars, but HSBC can't get the US dollar mortgaged at that time. At the same time, other banks in Hong Kong will not exchange US dollars for HSBC, so the initiative will be in the hands of Heiyun."

"This loan is a huge loss in the hands of Morgan Bank, because you don't have enough Hong Kong dollars to redeem the US dollars. Even if you know that HSBC can't get the US dollars, there is nothing you can do. The two sides can only negotiate, and the best result is to refund each of them. step."

"Heiyun Bank was able to take out the Hong Kong dollar. After HSBC can't take out the US dollar, the right to speak is on our side. If HSBC does not want to lose its credibility, it can only compromise, and it is up to us to decide how much Hong Kong dollar it needs to pay in the end."

Hearing this, Oakley understood, and at the same time felt that even if he knew, there was no way to stop it. Morgan Bank doesn't have that many Hong Kong dollars at all. Even if it gets Hong Kong dollars now, it needs to close the position. Morgan Bank can't stand the toss at this time.

Oakley: "The juniors don't worry about HSBC starting to exchange large sums of dollars for dollars and rounding up dollars before the loan expires."

Yuan Tianfan: "The exchange rate of Hong Kong dollar is not very stable, and Hong Kong financial institutions are still worried about HSBC selling Hong Kong. Therefore, we can only consider letting HSBC handle Hong Kong dollar foreign exchange business after the end of this year."

Oakley now fully understands that HSBC is not allowed to exchange dollars. At that time, they will definitely not be able to provide the collateral. It seems that Shen Bi will definitely bleed heavily this time.

Thinking of always hiding from himself, Oakley was still so happy in his heart. Looking at Heiyun's posture, HSBC will definitely not have a good time this time.

At the same time, Oakley also admired the operation of Heiyun Bank. The businessman who is obviously a huge loss can just make a profit. This is his ability.

Oakley: "This time Morgan Bank lost nothing wrong. It seems that no institution can take it lightly if it has an opponent like Heiyun. I am very interested in your proposal now; connect."

Yuan Tianfan: "I'm waiting for the news of the senior, but please keep the content of our conversation today confidential."

Oakley knew that Heiyun Bank would definitely want to catch HSBC by surprise I guess the same is true for himself. So he said without any hesitation: "Don't worry about this; to be honest, I really want to see Shen Bi's wonderful expression, but unfortunately I want to go back to the United States, but I can guess what Shen Bi looks like even if I think about it."

Oakley didn't stay too long, and left Heiyun Bank after his curiosity was satisfied. At the same time, I feel a little regretful that the young lady didn't walk with Bao Zixuan. Such a man, the Morgan family, still wants to let him be his son-in-law. Isn't that uncomfortable!

Having lived in Hong Kong for many years, Oakley must know more about Chinese culture than other Americans, especially some of the cultural customs of Hong Kong. It is estimated that only the old Morgan can think of letting the richest man in Hong Kong into the family. I really think that it is still 100 years ago, and the Morgan family is a little too arrogant.

I was really moved to hear Yuan Tianfan's invitation to him today. Heiyun Bank has just started. With Bao Zixuan's ability and financial resources, the scale of the bank will definitely not be small. This requires a lot of management talents. I have worked in the Hong Kong branch of Morgan Bank for many years, and I am very familiar with the operation procedures of the US banking business and the Hong Kong banking business.

Joining Heiyun Bank can quickly integrate, and it is estimated that Heiyun also took a fancy to this. The most important Heiyun Bank has just been established, and many of its ideas can be implemented. It is very easy to formulate a set of development strategies suitable for Heiyun Bank in the United States.