v2 Chapter 1507： Shen Daban's plan

Seeing that the timing is about the same, people who are familiar have talked about everything that should be talked about. And it also gave the Governor Youde a chance to communicate with Bao Zixuan alone, and the next step must be carried out according to the plan. Calling everyone to a meeting, just to complete the plan, not to provide a platform for others to communicate.

A large round table was temporarily built, and it seemed that there was no primary or secondary distinction. After all, not many people came here this time, there are only a few Bank of Hong Kong. And similar to American and Japanese banks, there are no invitations either.

The Hong Kong Bankers Conference mainly refers to British and Chinese banks; other banks still belong to the category of outsiders. Shen Bi might have taken the main seat before, but now he doesn't have the guts; most importantly, he doesn't have the strength.

When everyone lets him, it is because it can bring benefits to others. But what HSBC has now, at least in front of Heiyun Bank, belongs to the role of being crushed. And there are not many people coming here this time, plus they are all super tycoons. Perhaps only he belongs to the category of professional managers, and he has no courage to take the lead.

At present, there are only a few who are eligible to participate in the conference.

Heiyun Bank Bao Zixuan, HSBC Bank Shen Bi, Standard Chartered Bank Bauhaus-Sanderson, Cheng Bank Cheng Yutong, Pao Bank Bao Yugang, Wing Lung Bank Li Shau Kee and Li Chaoren, Wing Hang Bank Fok Ying Tung, Hu Yingxiang, and Dong Da Young Master, and of course Zhang Jianxin from Nanyang Commercial Bank.

In addition to the Governor of Hong Kong, Youde, there are 12 people in total.

However, the seat is still very particular, at least it can't make people jump out of trouble.

Governor Youde sat in the middle, with Shen Bi and Bao Zixuan on the left and right. At this time, it is still necessary to look at the size of the bank, otherwise it is not easy to arrange.

After seeing everyone sitting down, Shen Bi first said: "Thank you for taking time out of your busy schedules to attend the Heungkong Bank Summit. Although this meeting is under the organization, the core idea is for the future development of the Heungkong Banking industry."

"Even if I don't say it, everyone knows it. The competition has been fierce in recent times. Even in order to win the depositors, there are already some unscrupulous means."

"As a bank practitioner with many years of work experience, I don't dare to talk about other fields. But in banking, Mr. Shen still knows a little bit. Because of the instability of the real estate market, each bank has insufficient funds. Therefore, in order to obtain funds, Raising deposit rates is also inevitable.”

The sharp rise in deposit interest rates means higher operating costs for banks. In the short term, it may be able to bear it, but in the long run, even if you have money, it is estimated that it will be very uncomfortable.

For the healthy development of the Hong Kong banking industry, I hope you can control the deposit rate. Don't use exorbitant interest to attract customers.

Shen Bi would never invite everyone over because of such a big or small matter. After all, no one is so idle, there must be other things; but now that the other party has not said it, it is not easy for everyone to take the initiative to bring it up.

At this time, everyone seemed to have discussed it, and all looked at Bao Zixuan.

This makes the richest man very depressed. After all, the deposit interest of Heiyun is really not high, at least within a reasonable range. Of course, the interest rate on the loan is not very high. But for applicants, the requirements are not low. Company employees, no mortgage is required. But other customers, it is not so easy.

Since everyone is looking at him, he always has to say a few words.

Bao Zixuan said with a smile, "Don't look at me, Daban Shen is still very reasonable. Heiyun has just started in the banking field. As long as it is something that everyone agrees with, I will definitely not object to it."

This kid really refused to take the initiative, which made the few Chinese tycoons sitting here not very happy. If it doesn't involve their core interests, no one really wants to offend Shen Bi. The thin dead camel is bigger than the horse, and the other party is also a HSBC executive. If you are hated by the old boy because of a trivial matter, then your own banking business will inevitably be restricted.

But how can banks survive without attracting customers with high interest rates? Brand awareness, and other aspects; compared with HSBC and Heiyun Bank, but far worse.

At this moment, Zheng Yutong was very unwilling. After all, it was Zheng's Bank who took the lead in raising the interest rate of depositors. No one is willing to put their money in a bank with a bad reputation if they don't give it some sweetness. This is human nature.

For this reason, he was a little unhappy with Shen Bi, but for the survival of the Zheng family, he didn't care so much. Unexpectedly, Shen Bi really spared no effort to come up with such a meeting without telling himself. If all the banks agree, then the Zheng family must make a compromise.

If that is the case, it will be very difficult for the bank to continue to operate.

Zheng Yutong said very seriously: "Although Shen Sheng is indeed an authoritative expert in the banking field, everyone has their own set of business rules when doing business. If everything is fixed, then the market will still be competitive. Therefore, this It belongs to the commercial category, and it is better to let the market test it.”

"At the same price, why some people make money and some lose money. Businesses need to consider many factors, not just a little interest. Look for reasons from all aspects."

Hearing what Shaqiantong said, everyone felt incredible. Shark Gallop still needs to rely on Shen Bi in many places. At this time, he blatantly disagrees with the other party, and it seems that he is really pressed.

Hearing what Zheng Yutong said, Bao Zixuan suddenly thought of a more famous topic in his previous life.

As we all know, if you owe the bank 100,000 yuan, the bank will urge you to pay it back quickly. But if you owe the bank 100 million yuan, they won't dare to rush you, and you have to wait for it with delicious food and drink. However, if you owe the bank 100 million yuan, these people are very powerful people; if it is not for the turnover needs of a large company, or if the company goes bankrupt, the amount is too large but also has the ability to lend.

But in the face of a loan of 100 million yuan, the company treats her differently. The company will first greet him from time to time. There will also be gifts, etc., which is a typical VIP treatment. I also need to greet him from time to time about his physical condition, and I don't dare to make him angry, for fear that it will not be enough.

In the past, there were so many things that Shaqiantong had done, and many of them were HSBC's bottom line, or loans. The Zheng family owes HSBC a loan, but it is much more than 100 million. And it's about the Zheng Family Bank's ability to survive, even if Shen Bi asks them to rectify, it won't work.

Because according to Shen Bi's method, it may be more appropriate for Zheng's Bank to declare bankruptcy directly.

You must know that the Zheng family had a difficult life. Before, they had taken on a lot of non-performing loans because of the acquisition of banks. With the addition of rare earth mineral bonds, it was a piece of shit. If it weren't for the wealth of its own, it would have been lying down long ago.

At present, the real estate market in Heung Kong is not sluggish, making New World Real Estate, the cash cow, also need blood transfusion from the Zheng family. The only profitable business is Chow Tai Fook Jewelry.

But at present, the scale of Chow Tai Fook Jewelry is not large, and the profit is limited after all.

As for Baozheng Mining Company, although it is making money now. But they are all filling the hole. The last bond issued was in the name of a rare earth company. Even if he can take out the money, Bao Yugang needs to nod. Given the current situation, the charter king would not do that.

Since someone has come forward, then we must not back down.

And they all know that they want to live a good life in the future. It doesn't matter if you lose money now. As long as HSBC and Standard Chartered Bank do not collapse, then the future of Hong Kong's financial market will not be determined by Chinese capital.

Huo Yingdong said very formally: "I think what Zheng Sheng said is quite reasonable. After all, each cost is different, and the popularity is also different. It is stipulated that the deposit interest rate is the same, so what is the difference between a big bank with a historical reputation and a Ming robbery."

We, small and medium-sized banks, cannot compete. There are currently only other ways to keep banks alive. If it is implemented according to Shen Daban's ideas, then our business will not be done.

It is better to use commercial means to resolve matters in the shopping mall. What does it mean to hold a meeting now, is it to let our banks die, and then complete HSBC.

Although Zheng Yutong's words have some weight, they have little influence in the Chinese business circle. But Huo Lao is different, at least his words are very powerful. The few people who are doing it will not say what they want to do, but at least they will listen.

Sure enough, after Fok Yingdong's statement, several other companies also expressed their views separately. Although the current deposit rate is very high, life is definitely not easy if you don't absorb a lot of deposits.

There are many tycoons engaged in real estate, and now they all need other industries to transfuse real estate companies. Your own bank may be the most convenient way.