On the fifth day after the opening ceremony of Yulong Bank, Li Zhiwen came to Yulong Bank Central Headquarters again.

There were only a few people in the hall. It seemed that the peak deposit period had passed. Li Zhiwen walked in the hall of Yulong Bank, and the staff who came and went to greet him from time to time.

The staff had already notified Zhao Hezhuo from the office, and Zhao Hezhuo trotted all the way to Li Zhiwen.

"Boss, you are here!" Zhao Hezhuo said.

"Yeah, I just came here. How are the banking business these days?" Li Zhiwen asked.

As soon as he heard Li Zhiwen ask about this, Zhao He couldn't help but smile on his face. Obviously, the situation a few days before the opening made him very satisfied.

"Boss, if you abandon your funds, our bank's total deposit has reached HK$430 million and its working capital is more than HK$270 million." Zhao Hezhuo said happily.

Li Zhiwen was a little surprised when he heard Zhao Hezhuo's words, and then said with a smile: "Azhuo, it's not bad. I remember that the total deposit of Hengsheng Bank had only exceeded 200 million Hong Kong dollars, but it increased by 2.3 million Hong Kong dollars in just three days?"

Li Zhiwen explained: "Originally, Hengsheng Bank's deposit was 211.3 million Hong Kong dollars, and lending 1.8 billion Hong Kong dollars, and working capital was only about 20 million. However, after Hengsheng Bank was taken over by us, you asked me to remove the high-risk loans. I took back about 40 million, but I did not lend them out. So before the opening, the bank had 50 million Hong Kong dollars of working capital."

"The newly added HK$220 million comes from Kaibin at the opening ceremony. Basically, there are accounts opened, leaving part of their company's transactions from our Yulong Bank."

"Some have saved hundreds of thousands, some have saved millions, and even Huo Zhengting and He Youguang deposited 20 million Hong Kong dollars to each bank on the second day of their opening."

When Li Zhiwen heard Zhao Hezhuo’s previous description, he was much happier. Others were willing to deposit money into Yulong Bank. On the one hand, it was to make a good relationship, and on the other hand, it might be to diversify funds.

But when Li Zhiwen heard Zhao Hezhuo’s subsequent description, he frowned and then stretched out again.

Li Zhiwen understood that Li Zhiwen's answer on the day the bank opened at this time made Huo Ying-tung very satisfied, and later sent Huo Zhengting to deal with it.

As for He Youguang's actions, Li Zhiwen blamed He Chaoqiong completely.

After thinking about it, Li Zhiwen then asked Zhao Hezhuo: "That's pretty good. What's the situation with ordinary customers except these big outdoors?"

Compared to these big guys, Li Zhiwen is more concerned about ordinary users. After all, Yulong Bank is positioned as the general public, working class, and the general public is the foundation of a commercial bank. If all these big guys save it, it would have slapped Li Zhiwen in the face.

Zhao Hezhuo continued: "In the past few days, our ordinary customers' deposits have increased by 143 million Hong Kong dollars. They all came for a deposit rate of one point higher in the first three days. There are fewer people today, but our deposit interest rates are still attractive to ordinary customers. However, many customers deposit at other banks regularly, and compared with the maturity, a large number of customers will choose our Yulong Bank."

"143 million? Not bad, Azhuo, you did a good job!" Li Zhiwen smiled with satisfaction when he heard this number.

"It's all the boss's credit, I'm just trying to do it." Zhao Hezhuo said modestly.

"No, no, you are still outstanding in your ability. I am just responsible for controlling the general direction. You are still doing the specific things. Don't erase your role." Li Zhiwen said.

"I understand, boss, there is one more thing I want to tell you, let's go to the office to talk about it." Zhao Hezhuo said.

"Okay, let's go." After Li Zhiwen said that, he raised his legs and walked upstairs.

When he arrived at the office, Li Zhiwen poured a cup of tea for himself and Zhao Hezhuo and said, "Azhuo, what are you talking about?"

"Boss, on the day of opening, Mr. Chen Songqing and Chen from Jianing Group had to borrow HK$50 million from the bank, saying that you agreed and I will verify it with you." Zhao Hezhuo said.

Zhao Hezhuo's words made Li Zhiwen frown and he asked, "What did Chen Songqing say?"

"I didn't say anything, I just said that you agreed and you need to use this fund to make an investment." Zhao Hezhuo said.

Li Zhiwen thought, Chen Songqing seemed to be testing himself first and seeing if he knew how much Chen Songqing had done?

After thinking about it, Li Zhiwen said: "Lend this fund to him. You must keep a close eye on the fund. The time is right. Find a reason to collect it. Remember, the time cannot exceed two years."

"In addition, Chen Songqing's loan must be approved with my consent, even if it is a small loan of tens of millions of Hong Kong dollars."

Li Zhiwen's words shocked Zhao Hezhuo and his cold sweat were filled with cold sweat. Fortunately, he asked Li Zhiwen, otherwise he would have done something wrong.

However, Zhao Hezhuo still did not understand Li Zhiwen's idea. In Zhao Hezhuo's opinion, Chen Songqing's Jianing Group is a good customer. Taking this high-quality customer in his hands is the most important event of Yulong Bank. How can the boss push it out?

So he asked, "Boss, logic is, Chen Songqing's Jianing Group is a high-quality customer. Why is our Yulong Bank going out? Not long ago, HSBC just lent a loan to Jianing Group a sum of funds."

There is an old saying in the Hong Kong banking industry: As long as HSBC dares to lend, there is no problem.

From this we can see HSBC's status in Hong Kong.

Li Zhiwen thought for a while and said, "Azhuo, it's not something HSBC can do, we can do it. HSBC is very large and can support several times and dozens of failures. Many small banks go bankrupt if they fail to lend money."

"Our Yulong Bank must improve its loan credit assessment, rather than just use it directly from HSBC."

"There is also that I am not optimistic about Jianing Group, not only because Chen Songqing is a man, but to put it broadly, I am not optimistic about the Hong Kong stock market and market in the next few years. Now the prices of Hong Kong's stock market and market are too high. Of course, it still has room for continued growth, but only one emergency event is needed, and the Hong Kong stock market and market are in danger of collapse."

"So Yulong Bank not only needs to improve credit assessment for Jianing Group, but also needs to improve credit assessments for other real estate companies and real estate industry chain companies."

"The bank has funds, so it is preferred to lend to the brother units. I will control the direction of this, and there is no problem." Li Zhiwen said.

Zhao Hezhuo wanted to say something else, and then he thought about Li Zhiwen's record and closed his mouth in an instant. This was a player who dared to make money in the London gold futures market and tore off a piece of meat. If the news was released, all Hong Kong investors would be frightened and then waved Hong Kong dollars to find Li Zhiwen.
Chapter completed!