Chapter 272 Bank Strategy Begins
"Ah, Nansheng, why are you here?" Ruan Mei, who walked from the room to the door, exclaimed when she saw Nanyi.
Ruan Mei has a good impression of Nanyi, she is polite, speaks in a calm manner, has a very magnetic voice, and has a wide range of knowledge, citing classics, and has a lot of research on lipstick colors.
Nan Yi smiled and said, "It's almost Chinese New Year, give Teacher Ruan some New Year's gifts. Teacher Ruan, and Auntie, I have something to do today, so I won't bother you. I invite you two to visit my house when you have time."
"Leaving so soon, don't you sit?" Ruan Mei said a little disappointed.
"Another day, I really have something to do today, Auntie, goodbye."
Nanyi turned around and left after speaking. It wasn't that he disliked Ruan Mei's family, but that he couldn't grasp whether he should sit for a while before leaving, or leave immediately.
Some people don't mind their poverty being pointed out by others, while some people don't want others to see their poverty at all. These are two extremes. Nanyi couldn't judge which category Ruan Mei's mother belonged to for a while.
She kept holding the door and didn't welcome Nanyi into the room, which made him lean towards the second judgment, so he left quickly in a relatively impolite way, using his own impoliteness to fulfill the self-esteem of others.
Leaving Nanyi in Sham Shuipo, he went to Nan's Building. Liang Huiwen, who had already returned from Australia, took a report from Hong Kong Bank and put it on his desk.
Hawkeye and bats have been able to play a role, and they have been handy in collecting relatively public information.
Judging from the report, there are 307 commercial banks in Hong Kong, large and small. Except for HSBC, Standard Chartered, Chen’s and other foreign banks’ Hong Kong sub-branches, the others are all regional banks, basically with only one head office. what branch.
Among them, it is worth mentioning that Chen's Bank is a bank established by three Chinese in the Kingdom of China. Because of a coincidence, and through a series of efforts and opportunities, Chen's Bank became the number one bank in China in the 1960s. .
In the 1970s, Chen's Bank had become one of the top banks in Asia.
Although it is not as rich and well-connected as HSBC on a global scale, it is also not as good as Standard Chartered Bank, let alone banks like Citigroup and Credit Suisse.
But in Asia, in Chinese circles, Chen's Bank is the No. 1 bank.
In Southeast Asian countries, including the Taiwan region, more than 60% of the wealthy merchants received the support of Chen’s Bank at the beginning of their business. The richest people in each region and country basically have business contacts with Chen’s Bank, and in a series of In commercial activities, Chen's Bank is relied on to realize cash flow turnover.
Then, after they turned over, they handed over their capital business to Chen's Bank to take care of it, which is also a kind of feedback.
Chen's Bank has become stronger and stronger because it embraces all rivers and rivers. It seems to have become a sign among the Chinese, a guarantee of funds.
And through the relationship of Chen's Bank, everyone communicated with each other, helped and supported each other, and fought with outside capital together, gradually forming a huge Chinese business alliance.
This is also one of the most important reasons why since the 1970s and 1980s, the richest people in Southeast Asian countries and regions have basically become Chinese.
Such an alliance gradually disintegrated due to the various differences in the future, the restrictions of various countries' policies and other factors, and the loss of the spiritual leader, and because of the death of the founder of Chen's Bank, it is rare for future generations to know The prestige of Chen's Bank.
The branch of Chen's Bank in Xiangtang also adheres to the purpose of the head office and continues to form a group with Chinese businessmen, but they have not played their tricks in Xiangtang.
Commercial banks in Xiangfang began to prosper in the 1950s, and many Chinese businessmen accepted their favors. However, because of the large number of financial institutions in Xiangtang, and the fact that the Chaoshan Gang and the Ningbo Gang are more united;
In addition, Shen Bi, the top class of HSBC, tends to be more Chinese, and has a good relationship with Li Tongban and Bao Yugang. Chen, a bank from the Kingdom of China, has no chance to show his strength.
In addition, Chen Youqin, the head of Chen's Bank here in Xiangfang, although he is the eldest son of Chen Bizhou, the largest shareholder of Chen's, is not Chen Bizhou's favorite successor, so the Chen's Xiangfang branch does not get much from the head office. support.
Even Chen Youqin, the chairman of the board of directors in charge of Xiangtang Commercial Bank, is Chen Bizhou's eldest son, but he is not Chen Bizhou's ideal successor, nor does he receive much support from Chen's Bank.
Nanyi has also heard of Chen's Bank. He remembers that the head of the bank should be called Chen Youchao. As for why it is Chen Youchao instead of Chen Youqin, Nanyi is not clear about it. Maybe Chen Youchao is more powerful.
However, judging from the report, this Chen Youqin is a simple and honest person, and his business skills are not smooth. Chen Bizhou may not choose him as his successor because of his character.
Chen Youqin is very hardworking and conscientious. His partners speak highly of him. Doing business with him is very reassuring. He will not put your investment at risk, and will not force you when you are in distress. Seller will pay debts and maintain a friendly attitude at all times.
Among businessmen, there are really not many people with his temperament.
Nanyi tapped on the desktop, thinking secretly that Chen's Bank is a good target for acquisition. Although it is considered a big bank in Asia, it does not have much self-owned funds. The key is that there are so many banks behind Chen's Bank. It is not easy to deal with Chinese businessmen.
It's better to pick a softer persimmon, Chen's Bank can make a decision a few years later.
Putting Chen's Bank on hold first, Nanyi continued to read the information of other banks. He read it very carefully. He didn't read less than 25% of the information until seven o'clock in the evening.
Taking the materials with him, Nan Yi went back to Repulse Bay and continued to read the materials.
After reading for three days in a row, on the morning of the fourth day, Nanyi finally read all the bank information, and he also delineated the most suitable acquisition target, a small bank called Yongbang.
Yongbang Bank, a small bank, has not many savings deposits of customers, less than 800 million Hong Kong dollars in total, and even less self-owned funds, less than 100 million Hong Kong dollars in total.
It seems that such a small bank actually has a Hong Kong dollar cross-border settlement business, which means that Nan's funds can be easily transferred in and out through Yongbang Bank.
According to the Nanyi plan, Nan's banks include Adam Bank and Nanguo Bank.
The business of Adam Bank includes corporate finance, assisting customers to raise funds through issuing stocks or/and bonds, mergers and acquisitions consulting and real estate financial services; sales and purchases of stocks and bonds; securities research; direct investment department; private wealth management; asset management.
To put it simply, Adam Bank is targeting Morgan Stanley.
Nanguo Bank is a traditional bank, and it conducts the same business as other banks, except for the name and owner, there is no other difference.
Adam Bank does not need to be acquired from outside, it only needs to be formed by itself. The bank acquired from outside can strip off the business suitable for Adam Bank, and the rest is to form Nanguo Bank.
"Yami, let Hawkeye and Bat dig into the information of Yongbang Bank, especially the situation of Wei Yongbang must be investigated thoroughly."
"Hay."
Masami Uedo bowed and left.
After she left, Nan Yi sorted out the materials and put them aside, and walked out of the office himself. At noon, he invited Chen Youqin to play golf at the Royal Xiangxi Golf Club.
Although Chen Youqin is the prince of the Chen Empire, he is about the same age as Charles, in his early fifties. The difference is that Charles still has hope of succeeding him, while Chen Youqin has no hope at all. His younger brother Chen Youchen has already died. Started to supervise the country.
When he met Chen Youqin, what Nan Yi saw was not a straight suit, but a red and black Tang suit, with a very gentle temperament, and a little shrewdness in the gentleness.
Nan Yi was looking at Chen Youqin, and the other party was also looking at him, and then they all walked towards the other party with smiles on their faces almost at the same time.
"Chen Sheng, I have admired you for a long time."
"Nan Sheng, what a hero!" Chen Youqin and Nan Yi shook hands, and then they walked towards the stadium together, "When I was your age, I was still studying at the New York Banking Institute, just spending my family's money , how can you be so amazing."
"Chen Sheng, you are absurd." Nanyi said modestly: "There should be no one who is born knowing it. I just have a good grandma who can hold her brand and pretend to be a tiger, and match Chen Sheng's success step by step. By the way, mine is not worth mentioning at all."
Chen Youqin smiled, "Based on this passage, I don't think Nan Sheng is an ordinary person, but I don't know, how can I help you?"
Chen Youqin brought Huatou to the topic.
Nanyi invited Chen Youqin out under the banner of Fang Mengyin's grandson. Being low-key is mostly good, but sometimes there are also disadvantages, such as this time.
"Actually, there's nothing wrong with it. I just want to see Chen Sheng's demeanor. Your Chen family has the demeanor of a Shanxi bank, and I have admired it for a long time."
"Hahaha, I love you so much, Chen's Bank does not dare to compare with Jinxi bank. Among the Jinxi bank, the one I admire the most is Qiao Zhiyong's Qiao's bank. Back then, he was determined not to be Yan Laoxi's new bank The business of exchanging old invoices, new invoices and exchanging old invoices;
How much was issued at the beginning, and finally gritted their teeth and paid for the common people instead of doing it according to the new exchange rate. The property was shrunk thousands of times, and was forced to decline into obscurity.
What kind of pattern is this, what kind of feelings is this.
Although the root cause of Shanxi merchants' rise is to show off their reputation and seek glory, their faith is indeed worthy of appreciation. "
"Chen Sheng, you are right. The reputation of Jinxi Bank is indeed very strong. It is true that your Chen family is not bad. You put faith first, support Chinese businessmen, and the Chinese businessmen in Southeast Asia can gain a firm foothold. I have to thank you Chen Shi."
"Hahaha, I can't talk about it, I really can't talk about it, our Chen family is far behind."