Gong Qigao looked at his boss who was deep in thought and understood that the next few years were the best opportunities to acquire banks. It would be even more difficult to obtain a Hong Kong bank license in a few years.
Moreover, the boss is also the richest man in Yanxia. In order to reduce the influence of Yanxia people in Hong Kong Island, the Hong Kong government will probably not give him face. It is extremely difficult to apply for a bank license again.
Zhang Zhonghua is indeed thinking about whether to take over the bank now. He doesn't want to open a bank too early, which will cause many inconveniences and there are not so many talents. It is basically difficult to make money by opening a bank now, although he did not open a bank just to make money.
In 2019, the world's first bank credit card was born in the United States. Franklin National Bank of California issued the world's first bank credit card.
The world's first ATM was born in the United Kingdom in 1967. On June 7, 1967, Barclays Bank near London launched an ATM.
In 1969, the first self-service store was born in China. The advertisement at that time was "Our bank will open at 9 o'clock in the morning on September and never close!".
Nowadays, the banks in Hong Kong Island are very backward. They all use ancient passbooks. There are two methods of depositing and withdrawing cash: current and fixed deposits.
Moreover, you basically deposit money at one branch and then withdraw money from that branch. Withdrawals across business locations will incur high handling fees. As for withdrawals across banks, it is even more impossible.
As for bank cards, they are all gadgets only used in developed countries, such as computer equipment, dedicated data centers, etc., which ordinary banks cannot afford.
The banks that currently offer bank card services are all banks under several consortiums, and ordinary banks do not have the capital to develop such advanced services.
If you want to carry out bank card business, the bank must not only purchase computers, but also set up a data center and develop its own system. If you want to conduct cross-border business, you also need satellites to operate data transmission.
Nowadays, the manufacturing of a satellite costs nearly 100 million US dollars, and the launch cost is more expensive than the satellite itself. It is not that the banking giants really cannot use their bank cards.
Now that there is no Internet, no matter what you do, it is extremely troublesome. Opening a bank is purely manual work, but the database you designed yourself has provided a lot of help to the banking industry.
Hong Kong Island real estate developer, securities dealer and banker Feng Jingxi always wanted to apply for a banking license after becoming prosperous. Sun Hung Kai Bank was only upgraded to a licensed bank in 1988.
Now if the Jade Emperor Group does not obtain a banking license, it will have to wait until 1973 next time, which is four years.
With a banking license from Hong Kong Island, you can directly enter the UK. It is also easier to open a branch in Japan. The bank will open wherever the CFC opens, so that the bank can continue to expand along with the CFC.
"By the way, what's the current situation of Hong Kong Development Bank?" Zhang Zhonghua asked.
"Hong Kong Development Bank has four branches on Hong Kong Island and has bad debts worth HK$1 million on its books, but its cash deposits are less than HK$1 million.
As for the fixed assets, they should only be in the hundreds of millions of Hong Kong dollars. Although the store at the branch’s online address is worth some money, it is a drop in the bucket.”
Gong Qigao said.
"If you take down a bank, you will still need to add holes. The current situation in Hong Kong Island is that a bank license may not be worth much."
Zhang Zhonghua joked.
"Indeed, Hong Kong Development Bank is currently selling for HKD 1 million, and buying a banking license is almost HKD 6 million. It may be fine in two years, but not many people should be interested now."
Gong Qigao smiled bitterly and said that although Hong Kong's economy is gradually recovering, many people still lack confidence.
However, he understands that his boss originally said that he would set up a bank and then follow CFC to open it all over the world. For his boss, 6 million is just a trivial matter.
"Then tell the people on Hong Kong Island to directly take over the Hong Kong Development Bank. At the same time, buy a securities brokerage license and register it as Jade Emperor Bank and Jade Emperor Securities."
"No problem, the bank will probably get it tomorrow, and the securities license will be even easier," Gong Qigao said.
He didn't expect that his boss would enter the securities industry. He just hoped that his boss wouldn't be overwhelmed by the stock market in Zaozhuang.
"After the acquisition is completed, we should stop the external storage business. Our bank will only serve the group for the time being and will not conduct external business for the time being. At most, it will include the employees of Captain Li."
Zhang Zhonghua thought for a moment and said to Gong Qigao.
In this way, the operation of the bank will be simpler. In the future, Yuhuang Bank will be used as the central bank of Yuhuang Group.
"No problem. If we are not hungry for external services, then it will be enough for us to open three branches on Hong Kong Island, one each in Tin Shui Wai, Kowloon and Central. This will be enough for the group and its employees."
Gong Qigao said with a smile that the three banks in Hong Kong are fully sufficient for the group and its employees.
"I will notify Xin Xiaoling later and ask her to arrange financial personnel to be responsible for the acquisition."
It is indeed not cheap to buy a bank license for 6 million Hong Kong dollars. With this money, you can buy ten villas on Hong Kong Island, and it will be almost several billion in the future. But if you don't buy it, you have no choice. You can't apply for a bank license at all.
Hu Xueli walked into the office with a smile on her face. There is a headquarters in Hong Kong and now a suitable location for a branch building has been found in Japan. It is good for a group to have a big business and not be short of money.
"Boss, we found a building for sale in Marunouchi. It has 3 floors. The construction area of each floor is more than 4,000 square meters, and the office area is almost 130,000 square meters. That building is much better than this building, and it costs 440 US dollars per square meter.
, it costs almost 57 million US dollars to get it, do you think?"
Hu Shirley said to Zhang Zhonghua.
The housing prices in Toei Marunouchi are really expensive. If you buy one building here, you can buy three Alexandria Buildings in Central. That means the boss is rich, otherwise Hu Shirley would not dare to mention this to Zhang Zhonghua.
"Is it the new building on the east side?"
Zhang Zhonghua asked.
Zhang Zhonghua knew that the building Hu Shirley was talking about was in a pretty good location and would not be outdated in thirty years. Of course, it would definitely have to be demolished and rebuilt in the future. By then, the value of this building would probably be more than two zeros.
This chapter is not finished yet, please click on the next page to continue reading the exciting content! "Yes, it is that building, both in size and location. It is quite suitable."
After hearing what Hu Shirley said, Zhang Zhonghua began to silently calculate the money in his account. Nippon Steel was about US$800 million, supermarkets were US$300 million, and miscellaneous items would cost almost another US$100 million.
This time, I spent 100 million US dollars, which is not bad! I have a strong ability to spend money, and I can look forward to the future.
There are about 100 million US dollars in the group's account, which is enough no matter what happens.
"Okay, if it suits you, let's take it. The group should have a decent headquarters in Japan."
Zhang Zhonghua nodded and said to Hu Shirley.
"Okay, boss, no problem. It's all renovated over there. You can move in after buying some office equipment."
Although she knew that the boss would most likely agree, when Zhang Zhonghua actually agreed to purchase, Hu Shirley was still very excited.
"Okay, let's change it to the Jade Emperor Building when the time comes. All the Japanese branches of our companies will be moved there, and we can keep them here. By the way, I'm helping me purchase an IBM computer, the same as the one on Hong Kong Island."
of."
Zhang Zhonghua ordered.
"No problem. There is an IBM branch in Marunouchi. It is very convenient to buy computers."
The boss is really rich. He can buy anything worth a million dollars at a time.
"Boss, are you going to develop another software?"
Gong Qigao asked Zhang Zhonghua carefully.
Hu Shirley's eyes lit up when she stopped talking about Gong Qigao's words. The boss retreated for a period of time when he was in Hong Kong Island. He developed a software and sold it directly for 100 million US dollars. He didn't know what software he would develop this time.
"I plan to develop a supermarket system and a bank system first to prepare for banks and supermarkets. Our group still needs to develop a lot of software in the future, and we can properly train some computer talents."
Zhang Zhonghua said.
It is impossible to develop a catering system now. Computers are too expensive. It is too luxurious to provide computers to CFC stores.
However, the logistics system can be developed reluctantly, and buying some small industrial machines can basically meet the needs.
Nowadays, it is convenient to have a database. It is all simple text information and does not take up much storage space.
The Computing Machinery Association should also award itself a Turing Award, but the Turing Award seems to be given to people who study physical computers and semiconductors.
When Hu Shirley and Gong Qigao heard Zhang Zhonghua's words, they looked at their boss with admiration. He was really awesome. He was a computer expert who was the best among dozens of people. Although they did not have much in-depth research on computers, it did not prevent their class from worshiping Zhang Zhonghua.
…
…
Two days later, after receiving the notice to acquire the Hong Kong Development Bank, Xin Xiaoling led the group's financial staff to the Hong Kong Development Bank in Yau Ma Tei.
Now Xin Xiaoling is in a very happy mood. The Yuhuang Group finally has its own bank. At least it will be much simpler to pay employees on Hong Kong Island. Although multinational banks are not able to operate at the moment, they will definitely be fine in the future.
More importantly, as the financial director of the group, she will most likely also serve as the president of the bank. The position of president may not be very important now, but it may not be so in the future.
Jade Emperor Bank cannot always only serve the group and its employees. As long as it provides services to the outside world, that will be its highlight moment.
At this time, in the Hong Kong Development Bank, the boss of the bank looked at the bank that had been established for more than 0 years and was extremely disappointed. His bank and real estate company failed to survive in the end.
"Old Shen, the market situation in Hong Kong Island will definitely improve. Not many tycoons have been hoarding land for a long time. He, the richest man, has the most land.
You don’t have to be discouraged, as long as we can hold on for the past two years, we will definitely be able to make a comeback.”
My wife comforted me.
"We can't stand it anymore. All our funds are invested in real estate projects. Although Hong Kong Island is getting better day by day. If it can survive for another year or two, it may really be able to recover, but the banks really can't stand it.
Two years."
The boss of Hong Kong Development Bank said sadly.
"Yes, it's really a dilapidated house with cracks and rain. Lao Shen, the news about our bank sale has been out for a week, and we don't know when we will be able to sell it. If the Hong Kong government takes over our bank..."
She did not continue to say that if the Hong Kong government took over the bank, not to mention the bank itself, even their real estate company might get involved.
Xin Xiaoling took Kuang Daping into the Hong Kong Development Bank. Many people in the 00-square-meter store were still queuing to withdraw money. It seemed that the news of insufficient funds in the bank had spread.
"Is your boss here?"
Xin Xiaoling walked into the bank and said to the bank lobby manager.
"Hello, what business do I need to handle?"
The lobby manager looked at Xin Xiaoling and thought that a big customer was coming to withdraw money, so he asked with a hint of stiff enthusiasm.
"We are preparing to acquire Hong Kong Development Bank."
Xin Xiaoling said that she found that the lobby manager was good and a talented person. He did not have the negative emotions of others. Regardless of his ability, at least he had a good professional ethics.
"Ah, acquisition bank? Please wait a moment, I will inform our boss."
The lobby manager took the three of them to the small reception room, made a cup of coffee, and hurriedly left and ran to the boss's office.
"Boss, someone wants to acquire our bank."
The lobby manager walked into the office and said excitedly to the boss that as long as someone is willing to take over, it will be worthy of the depositors. It is better than bankruptcy and the depositors losing everything.
"What? Someone really came to buy it. What is the identity of the other party?"
"I didn't ask about this, a lady came here."
The lobby manager rolled his eyes in his heart, the decision is in your hands, it is not for me, the lobby manager, to ask who will buy it.
The two of them had no time to scold the lobby manager, but quickly walked to the small conference room. He prayed in his heart that he would not be disappointed this time.
"Hello, I am the boss of Hong Kong Development Bank, and this is my lover. Who are you, madam?"
The boss of Hong Kong Development Bank silently checked Xin Xiaoling, but did not get the right number. As far as he knew, there were no female tycoons in Hong Kong, and he didn't know which company's top executive she was.
Xin Xiaoling looked at the two people in front of her, and then said:
"I am Xin Xiaoling, the financial director of Yuhuang Group. On behalf of my boss Zhang Sheng, I came here to inquire about the sale of Hong Kong Development Bank."
"Zhang Sheng wants to acquire the bank we just finished? Oh my, Zhang Sheng is really young and promising.
Our Hong Kong Development Bank is the same as the news released. We have a deficit of 4.8 million Hong Kong dollars on our books. All we need to do is to provide HK$0.0 million in cash and take over the bad debts of the bank."
The boss of Hong Kong Development Bank said with a guilty conscience.
According to his price, it is almost 6 million to sell a bank license. Moreover, his bank is small, and there are really not many people in Hong Kong Island who are interested in his bank.
"One million Hong Kong dollars? Is the securities brokerage license under Hong Kong Development Bank still there?"
Xin Xiaoling asked, frowning and thinking for a moment.
Xin Xiaoling knew the situation at Hong Kong Development Bank, and the price would definitely not come down. But if you don’t lower the price, you have to find something to add to it.
The Hong Kong Development Bank is really worthless, tasteless, and a pity to abandon. I am afraid that only the Jade Emperor Group in the entire Hong Kong Island needs it.
"Here, here, the securities brokerage license is still there and has not been sold."
In the eyes of the boss of Hong Kong Development Bank, the securities license is even more worthless. No one can predict the current situation, and there is no use keeping it.
"Well, with the Hong Kong Development Bank and the securities brokerage license, our Yuhuang Group will offer a total of one million Hong Kong dollars. Boss Shen, you have no problem."
Xin Xiaoling asked.
After hearing Xin Xiaoling's words, the two looked at each other and smiled bitterly, so what if there was a problem?
"No problem, we have prepared the bank accounts. Your group can come to check the accounts at any time, and the Hong Kong Monetary Authority can also transfer the accounts at any time."
