v2 Chapter 1510： form an alliance

Before coming to the meeting, Shen Bi first looked for Bao Yugang. The familiarity of the relationship between the two is one aspect, mainly because Bao Yugang has a deeper relationship with HSBC. As the first Chinese director of HSBC; I believe that I will not be indifferent to the decline of HSBC. Although the charter king has already resigned from the board of directors of HSBC because of the banking law. But the influence is still there, and there are too many people inside HSBC; they are all very familiar with and have deep friendship.

If even Bao Yugang can't win it, then the final result will not be very good. At present, in the UK, there are only him and the kid in the Sanderson family; not to mention that they are weak, at least they can't see any advantages.

Even if Youde intervenes forcibly through administrative means. Then the final result will not be very good. And let Shen Bi go to ask Youde, he still can't do it; after all, HSBC's historical status does not allow him to do that.

People used to think that in Hong Kong, you have to follow HSBC's rules of the game, or you can't get in; because they supply the ball, the pitch, the ball license—and the opposing team.

From the British occupation of Hong Kong to the 100 years after the outbreak of the Pacific War, the main force that dominated the economy of Hong Kong was the financial trade of Western companies such as Jardine and Swire.

In Hong Kong in the 1960s and 1970s, a whole set of economic activities related to port trade, including shipping, shipbuilding, loading and unloading, and insurance, were like teenagers growing up wildly.

With the transformation of Heung Kong from an entrepot port to an industrialized city, the foreign banks that rely on entrepot trade have also begun to eliminate the fittest and integrate. In the fierce merger and acquisition war, several powerful British-owned foreign firms rose up and gradually developed into a comprehensive consortium that monopolized the economic lifeline of Hong Kong.

Among them, the most famous are the four major British-owned foreign firms: Jardine Matheson, Hutchison Whampoa, Swire Pacific and Wheelock. However, without exception, they all have the most important backing: HSBC.

It can be said that before the rise of Heiyun Group and Bao Zixuan, HSBC was the rule maker of Hong Kong. He Shen Bi is the financial governor of Hong Kong. Although he has no title, his power is not weak at all.

How could such a person beg Youde; this old man who just took over as governor for a few years. In Shen Bi's view, the Governor's Office has done a good job in serving; as for the economic development and future planning of Hong Kong, as long as there is HSBC, it is enough.

Now hearing Bao Yugang say this, Shen Bi's hanging heart finally let go.

To say that among the Chinese tycoons, who has the best relationship with Bao Yugang. Maybe Li Chaoren is definitely one, after all, there have been many close cooperation between the two. Although they are both growing up now, the friendship is still there.

Seeing Bao Yugang speak, and what he said is very reasonable. Of course, Li Chaoren will follow along; at the same time, he is also telling everyone what double-li means.

Li Chaoren: "Bao Sheng is right, how can the interests of our small banks be guaranteed; I hope HSBC and Standard Chartered can give an accurate answer."

Shen Bi understood what Li Chaoren said. After all, we all have to survive first, and then we can talk about other things. Fortunately, he was already prepared, and he wouldn't let others suffer.

Shen Bi: "For Li Sheng's concerns, we have already figured out how to deal with it. Of course HSBC will not let it go. After all, we are also a responsible company."

"What I mean is the establishment of the Hong Kong Bank Alliance. This alliance is only for you who are currently doing it. If there are any difficulties with our several banks, you can put forward them, and then everyone will jointly contribute according to the proportion to solve it."

"It also ensures that the banks we are doing will not have the risk of failure. For example, if the Bao's Bank needs funds, then the Hong Kong Bank Alliance will contribute to help it tide over the difficulties."

"If this cannot be trusted by the public, it also shows that depositors do not want to live in Hong Kong. It is no pity to lose this kind of customer."

Shen Bi's plan seemed very feasible. But there is still another problem, that is, the problem of various bank loans. Thinking that there are several other companies to help out, then no matter who will give the loan; Does it have to be shared by everyone? There seems to be no such reason in the world.

Bao Zixuan: "Shen Daban's idea is too simplistic. If someone maliciously overdraws the bank's credit limit, wouldn't we have to follow the loss in the end. At the same time, how to formulate this ratio, HSBC is willing to take the big part."

As a well-known figure in the banking field, Shen Bi should not have made such a low-level mistake. Is it estimated that there is a loophole, or is there some other purpose.

Shen Bi said with a smile: "Shen will naturally consider Bao Sheng's concerns. After all, the operating conditions of different banks are different, and some banks already have a lot of non-performing loans. Do this bullshit."

"What I mean is to set up an alliance to gain the trust of the people of Hong Kong. As long as it is an internal bank of the alliance, it will definitely be recognized. At the same time, the information released to the outside world can reveal some mutual benefits and mutual assistance plans within the alliance. As long as it is trusted by the people and depositors, So which bank to deposit; for them, it's all the same."

"In this way, customers will not be attracted by interest, and more will consider convenience and speed. At the same time, members of the alliance can share information. In the event of a financial crisis, they can also make good predictions."

Shen Bi wanted to inform depositors that small and medium-sized banks could also be trusted. At least you don't have to worry that the deposit will not be withdrawn and suffer economic losses. And it's just talking about it, and I don't want to take any risks. The euphemistic name of the establishment of an alliance is actually to give a shackle to the Chinese bank.

Because only in this way can they be allowed to absorb deposits according to the stipulated interest.

Of course everyone will not be satisfied with this, it sounds good; but for them, there is no practical benefit.

Although HSBC is strong, it cannot be so unreasonable.

In fact, I heard Shen Bi say that when an alliance is formed, if one bank has a problem, other banks will help in proportion. Shaqiantong is still very excited, after all, this is the largest hole in the Zheng family. If they can get help, the Zheng family will soon get through the difficulties. But the next time I heard it, it turned out that people just said that; they didn't want to put it into action at all. Isn't this funny!

Bao Zixuan: "If that's the case, that's fine, but if there is a problem with any one of the alliances. If we don't help us, we will definitely lose the trust of the depositors, and there may be even bigger problems at that time."

"At that time, the entire Hong Kong banking industry will not be trusted. If that is the case, it is better to maintain the current state. Everyone should not interfere with each other in developing their own business."

Hearing what Bao Zixuan said, the people present finally understood the thoughts of the richest man. People do not intend to have too much involvement with Xiangjiang, and it is estimated that the idea of ​​quitting has arisen in their hearts.

Perhaps in Hong Kong, some businesses will be retained; but it will never be the focus of future planning.

When you think about it, it feels quite normal. After all, occupying such a large area in the Middle East will also help other regions to develop their economies.

Bao Zixuan can go, he has the strength and the territory. But they can't. At present, no one wants to leave Xiangjiang. The bank alliance proposed by Shen Bi could really be considered. With the endorsement of a big bank and the strength of the controlling family, depositors will not doubt anything.

Huo Yingdong: "It's a good thing to set up an alliance, and it should be supported. However, there is currently no unified standard for deposit interest. After all, every bank is different, and the regulations are too rigid; on the contrary, it will make depositors feel that there is a deliberate element in it."

"Therefore, I suggest to formulate a floating space, that is to say, deposit interest and loan interest; it must be executed according to the price within this space, and no one of UUkanshu can be an exception."

At present, the two sides are at a stalemate, and it is not an option to always delay. If HSBC is dead, everyone will be unlucky. It's better to take a step back, so that we all have food to eat.

Fok Yingdong's status among Chinese businessmen is not the first, but definitely in the forefront. And this plan sounds reasonable. Therefore, it was quickly passed unanimously, and the interest on bank deposits and loans was also quickly formulated.

As for Shen Bi's so-called alliance, there was no problem. It's just that there is no consensus on who will be the chairman.

In fact, the matter was very simple, as long as Bao Zixuan fought for it, Shen Bi would have absolutely no chance. Let Shen Bi be the chairman, but the old man with his power will be inclined to HSBC or British banks. But who made Bao's richest man not interested at all, and even took the initiative to refuse, and his attitude was very firm.

In the end, only a compromise can be taken, the Hong Kong Bank Alliance; one chairman and two vice-chairmen will be established. The combined rights of two vice presidents are the same as those of the president.

Of course, Shen Bi became the first president of the Hong Kong Bank Alliance, and Fok Yingdong and Bao Yugang became the vice presidents respectively. The richest man Bao is very Buddhist, and he is not so concerned about Xiangjiang affairs.