People may be fake, but cars can’t be fake too, right?

  Angle stood there blankly, looking at the leaving car, feeling that he should have missed something.

   "Is that handsome guy just now really Chu Huan?"

At this time, her little sisters have also come over, and naturally they also saw what Chu Huan left in the car just now. They have the same idea as Angle. People may be fake, but this luxury car should not be fake Bar?

   "It's a pity for Angle. If you had believed that he was Chu Huan, he probably would have taken you to eat supper at this time!"

   There are little sisters who gloat about their misfortune.

  And Angle's other little sisters also realized at this time, they were not really disappointed for Angle, but rather gloated in their hearts.

  Angle also reacted at this time, and suddenly smiled: "It's okay, since Young Master Huan joined our MOD this time, there will definitely be opportunities in the future!"

  The rest of the little sisters felt a sour feeling in their hearts when they heard it, so angry!

  Angle still looked in the direction where Chu Huan's car had been out of sight for a long time, and there was more brilliance in his eyes.

.

  The next day, Chu Huan returned to the Chinese Bank.

  Because the New Year's Day just passed, the company doesn't have much other business now, Chu Huan first told Xu Yi the result of his talk with Chen Songqing yesterday, and asked Xu Yi to tell Qiao Yuehan about it.

   While Chu Huan was busy with his normal work, Xu Yi, who had already left his office, came to Chu Huan's office again.

   "Boss, Changshi's Li Jiacheng is here, do you see him now?"

   Li Jiacheng came to the Chinese to meet Chu Huan. It was an appointment before. Chu Huan looked at the time and said, "Let him in!"

  Xu Yi nodded, and brought Li Jiacheng in after leaving Chu Huan's office.

   "Li Sheng, please sit down!"

Chu Huan was already sitting on the sofa at this time. For Li Jiacheng, Chu Huan no longer had the kind of hostility he had before. The main reason was that the two were no longer at the same level, and the two were still cooperating. Partnership Chu Huan has shares in Cheung Kong.

   Li Jiacheng sat opposite Chu Huan, politely took the tea Wu Shuhan handed him, and then Wu Shuhan came to Chu Huan's side.

   "What is Li Sheng coming here for?"

   Chu Huan asked.

  People like Li Jiacheng who came here on their own initiative must not be some kind of gold medal spy. The only thing that can make him come to the door in person is cooperation.

Sure enough, the next thing Li Jiacheng wanted to talk about was a cooperation matter, "Mr. Chu, I know that Zhulu Real Estate acquired Taohua Datong last year. I have studied that piece of land during this time, and it can be used to build a large Wu Cun, this time I came here to discuss with President Chu, to see if we can cooperate with each other on this piece of land, and then jointly develop it?"

For Chu Huan's decision to let Zhulu Real Estate leave the residential market, Li Jiacheng really admires this plan. It will not only allow Chu Huan to cooperate with more real estate developers in Xiangjiang, but also make the real estate developers in Xiangjiang more grateful for Chu Huan's approach. .

Although Li Jiacheng had guessed Chu Huan's original intention of doing this, Li Jiacheng didn't care. At this time, Chu Huan was already a shareholder of Changshi, and if Changshi wanted to develop, it could not do without the cooperation with Chu Huan. In terms of stage, this matter is definitely a matter of more advantages than disadvantages for Chang Shi.

   "Taohua Datong?" Chu Huan didn't expect that Li Jiacheng's appetite was so big that he was eyeing the cornucopia of Taohua Datong.

  Before I decided to leave the housing market last year, I set a goal for Lu Qi, either to buy the land connecting Taohua Datong and Hang Lung Real Estate, or to buy the entire Taohua Datong.

   Later Lu Qi bought the entire Taohua Datong.

   Now Li Jiacheng has fallen in love with this place and wants to develop it.

  Chu Huan asked Wu Shuhan to take the map, and after spreading it out, he saw the location of Taohua Datong, and first said to Wu Shuhan: "Let He Bingguang come up."

   Then Chu Huan looked at Li Jiacheng and asked, "Li Sheng, do you think now is a good time to develop the land of Taohua Datong?"

Chu Huan's ten billion apartment plan will definitely affect the housing prices in Xiangjiang. Since 1978, some real estate developers have noticed that although the housing prices in Xiangjiang are still rising, they have not reached the expected increase. In the Hong Kong stock market and the real estate market are all booming, there is only one reason for this situation, and that is the 10 billion apartment plan that Chu Huan announced last year.

Li Jiacheng obviously came prepared and said: "According to our company's speculation, Mr. Chu's 10 billion apartment plan will enter the first stage this year. This year's housing prices in Xiangjiang are likely to be like this, and the impact will be very large. Chances are it will last until around 80 years.

I think even if I don’t say anything about the obsession of Xiangjiang people with houses, Mr. Chu must understand. Now Mr. Chu’s 10 billion apartment plan has eased the rise of housing prices in Xiangjiang to a certain extent, but in fact, many People still want to have a house that is completely their own.

And Mr. Chu's ten billion apartment plan, in fact, to a certain extent, also increased their bargaining chips for buying a house, so I think that when the influence of the ten billion apartment plan begins to weaken in a few years, the housing prices in Xiangjiang will definitely increase. Ushered in a telling development period.

As for the land of Taohua Datong, according to estimates, even if Taohua Datong is relocated to the current factory site, coupled with the planning of the housing estate, it will take a year anyway, and the construction will start next year. The progress is already rapid, and we are growing solid After calculation, the land can provide 4,800 residential units and several shopping malls.

As long as Mr. Chu can contact Kowloon Bus, Huadian Power, and China Gas, and move in at the same time when the land where Taohua Datong is located is completed, the impact of Mr. Chu’s tens of billions of apartment plans can be alleviated to a certain extent. At least it must be in 1980, and in 1981, when President Chu's ten billion apartment plan was weakening in influence.

  I think that under the promotion of so many conditions, the housing price there will definitely become a local benchmark! "

Kowloon Bus and China Gas Chuhuan are the largest shareholders, and the Kadoorie family of Huadian Electric Power Co., Ltd. is Chuhuan's business partner. Li Jiacheng believes that these public facilities will enter as quickly as possible with the development of Taohua Datong. of.

Chu Huan has said long ago that Li Jiacheng is definitely an unborn business genius, and what he is talking about now is also a manifestation of his genius. A project is not only to think of his own strengths, but the most important thing is to combine the partners, as well as There are both time and space factors.

   "Sheng Li, have you ever thought that if it is carried out according to your plan, it will be difficult to sell off-plan properties for this project, which means that Changshi will have a lot of financial pressure in the early stage. Can your company bear it?"

  Chu Huan has already read the plan submitted by Li Jiacheng. The investment of the entire project is about 750 million Hong Kong dollars, which does not include the cost of the land. If the cost of the land is included, it is about 950 million Hong Kong dollars.

   That is to say, if Chu Huan's party is only responsible for the land, it will account for 21% of the entire project's equity.

  Li Jiacheng laughed and said: "This requires the support of President Chu. We Changshi are willing to pay part of the rights and interests of the shopping mall in this estate in exchange for the financial support of President Chu."

   It's just that Chu Huan's newly established real estate project investment department has been missed again.

Chu Huan smiled and said: "I am very satisfied with Li Sheng's plan, but you still have to discuss it with He Bingguang and Lu Qi before you can make a decision, because our company originally planned to not move him this year. of."

  Wu Shuhan heard Chu Huan mention Lu Qi's name, walked to the phone again, called Lu Qi, and asked him to come up too.

   Soon, He Bingguang came up first, followed by Lu Qi.

  Lu Qi has already moved to the floor where warehouse A is located. Although the time is shorter than the notice He Bingguang received, the time difference is not too long.

  Chu Huan told the two of them Li Jiacheng's thoughts, and then said to the three of them: "You three can discuss this matter here."

  After speaking, Chu Huan returned to his seat and continued to deal with the work at hand, while Li Jiacheng, He Bingguang, and Lu Qi sat on the sofa to discuss specific cooperation matters.

   Not long after, Xu Yi came to Chu Huan's office.

   "Boss, next month will be the New Year. Manager Cui asked me if our company's red envelope distribution will continue this year? If it continues, should we count the employees of Hehe International-Wheelock?"

   It has long been a tradition for Chu Huan to distribute red envelopes to the employees of the first warehouse department every year. Now that Hehe International-Wheelock officially joined the first warehouse department last year, that's why Xu Yi asked such a question.

   After all, Hehe International-Wheelock has not created too many benefits for Chu Huan.

  Chu Huan said with a smile: "Join, since they are already a member of the company, they should enjoy the benefits of the company."

  Xu Yi nodded, and then said: "According to Manager Cui's statistics, there are now 142,583 people in the entire Jiaku department. Based on the red envelope of 2,000 Hong Kong dollars per person, 285.166 million Hong Kong dollars will be distributed this year!"

  Chu Huan said on his forehead: "Yes, let the company prepare the funds!"

  Xu Yi asked: "Is it withdrawn at HSBC?"

  Chu Huan said: "Yes!"

"Understood!"

.

  Li Jiacheng left at noon, and after he left, Yung Kee had delivered the lunch to Chu Huan's office, so Chu Huan kept He Bingguang and Lu Qi to have dinner together.

   "What do you two think of the plan Li Jiacheng talked about?"

   Chu Huan asked while eating.

He Bingguang took the lead in speaking: "Lijiacheng's plan is still very impressive. If everything can be carried out according to the plan, our company's revenue will be at least 100 million Hong Kong dollars. Will be higher!"

  Lu Qi also said: "I also feel that there is no problem with Li Jiacheng's repayment ability, but the time limit of this loan is a bit long, and the income will not be paid until the second half of 80 years!"

Chu Huan thought for a while, and said: "Our plan to launch the residential market also needs a benchmark project to let the real estate developers in Xiangjiang understand our determination. Since both of you think that the problem is not too big, then you can talk to Li Jiacheng Chang Shi has cooperated!"

Prior to this, Zhulu Real Estate withdrew from the residential market. Although it also cooperated with some real estate developers to develop new real estates, they were all small real estates that lacked a benchmark housing estate. Now there is this project of Taohua Datong, which is a benchmark The project will come out.

  He Bingguang nodded and said: "Then I will contact Li Jiacheng in the afternoon and ask him to come to the company to discuss specific matters with me."

  Chu Huan said: "Yes!"

  Then Chu Huan warned again: "By the way, tell Li Jiacheng about this project. When publicizing it to the outside world, try not to mention our company. You will know what you should know, and you don't need to let them know what you shouldn't know."

  He Bingguang understands that Chu Huan is continuing to deepen Xiangjiang citizens' impression of the company's withdrawal from the housing market.

"clear!"

.

  After lunch, Xu Yi came to Chu Huan's office with a stack of documents in his arms: "Boss, this is the document of Xiangjiang Huazi Bank!"

Alder Commercial Bank will enter Xiangjiang this year. Previously, Chu Huan wanted the company to acquire Dazhong International Investment and other companies, just to serve as a frontier for Alder Commercial Bank to enter the Xiangjiang market. Now let Xu Yi collect Chinese-funded banks in Xiangjiang data, the same is true.

However, these two lines are implemented separately. Although the Hong Kong government in Hong Kong will relax the restrictions on overseas banks this year, the ban on bank license applications in Hong Kong still has not been lifted. Therefore, if Chu Huan wants to own another bank in Xiangjiang, Then it can only be a means of acquisition.

Chu Huan knew that many Hong Kong language writers would set their sights on Standard Chartered Bank, but the reality is that Standard Chartered Bank is doing very well this year. It is obviously not appropriate to acquire Standard Chartered Bank at this time. The only opportunity is to find a Chinese-funded bank for acquisition.

  The opening banks in Xiangjiang can be roughly divided into two categories.

  The first category is the head office in Xiangjiang, that is, banks registered locally in Xiangjiang.

  The second category is that the head office is not located in Xiangjiang, that is, the branch established in Xiangjiang by a non-locally registered bank.

  Banks like HSBC and Hang Seng belong to the first category of banks, while Standard Chartered and First Boston Bank belong to the second category of banks.

  In addition, in terms of business, Xiangjiang's commercial banks are divided into four categories: British capital, foreign capital, Chinese capital, and Chinese capital.

  The British banks in Xiangjiang are mainly represented by HSBC and Standard Chartered Bank.

  British banks occupy a monopoly position in the Xiangjiang banking system. Although major international banks such as the United States, Japan, and Europe have come to Hong Kong one after another, and the number of banks far exceeds that of British banks, the position of British banks in the financial market has not been shaken.

  The branches of these two banks in Xiangjiang accounted for nearly 40%, and the deposits in these two banks accounted for half of the total deposits in Xiangjiang.

  The reason why British-funded banks have a pivotal position in the Xiangjiang Quanrong market is that they have become the center of market activities.

  This is because: First, the seniority, has a history of more than 100 years. Second, they have privileges. They have always received special support from the Xiangjiang government, and enjoy the privileges of the central bank such as issuing banknotes, representing government finances, and participating in certain financial decisions and management. Three, good management, the two banks continue to innovate and adapt to changes in the new situation. Fourth, good credit, they always put reputation first in their business activities. These several factors make them invincible.

   It is these reasons that ensured that they made a lot of money in the financial market of Xiangjiang, and it is also the reason why they can stand firm in the previous squeezes of Xiangjiang.

As for the foreign-funded banks in Xiangjiang, except for those banks that entered the Xiangjiang financial market in advance in the early 1960s, the rest will enter the Xiangjiang market this year, the most obvious of which are Japanese-funded banks. Although the banks came late, they came aggressively, and commercial banks in Europe and the United States are more in the leading position in the financial industry in Hong Kong in terms of financial innovation.

Chinese-funded banks have a history of nearly 80 years in Xiangjiang. In 1917, Huaguo Bank had already set up a branch in Xiangjiang. After the war, it was taken over by the hometown. Unified management of Chinese-funded banks in Hong Kong and Macau.

These Chinese banks include: Huaguo Bank Xiangjiang Branch, Huaguo Bank Haojiang Branch, Bank of Communications, Guangdong Provincial Bank, Xinhua Bank, Zhongnan Bank, Jincheng Bank, Guohua Commercial Bank, Zhejiang Industrial Bank, Salt Industry Bank Xiangjiang Branch , Nanyang Commercial Bank, Po Sang Bank, Overseas Chinese Commercial Bank, Chiyu Bank.

   Also in the 1980s, the Bank of China Group will become the second largest banking group in Hong Kong after HSBC.

The above-mentioned three types of banks are not suitable for Chu Huan to acquire at this time. HSBC does not need to think about it. Standard Chartered Bank has not yet arrived. Foreign banks will settle in this year. It is also the weakest Chinese-funded bank among these four types of banks.

Huazi Bank is also known as the local bank of Xiangjiang. The golden age of Huazi Bank was from 1946 to 1964. Although Huazi Bank had a small capital at that time, it had a large number of branches. In small and medium-sized enterprises, it has considerable influence.

  After 1965, Chinese-funded banks suffered heavy blows and declined.

  Some of these banks were unable to withstand the attack of the banking crisis due to their weak competitiveness, or were unable to operate independently due to poor management and illegal activities. They closed down one after another or were acquired, merged or taken over by the Hong Kong government.

   At this time, there were still more than 30 Chinese-funded banks in Xiangjiang, but by the end of the 1980s and early 1990s, there were only 2 Chinese-funded banks that were still fully-owned and independent!

   Either it was acquired by a foreign bank, or its banking license was revoked by the Hong Kong government!

   "Is the problem between Far Eastern Bank and Citibank still unresolved?" Chu Huanfan asked Xu Yi after seeing the situation of Far Eastern Bank.

Far East Bank was founded by Qiu Degen, a businessman from Xiangjiang. He was originally from Shenghai. He was born in 1925. His father was a small businessman at the beginning. Da Guangming Cinema worked as a servant and later became a manager. At the age of 21, he rented the Metropolitan Cinema to show domestic films. He was a proprietor with no assets.

In the early 1950s, Qiu Degen came to Xiangjiang together with his wife. At that time, he only had a few hundred dollars. He first made slide advertisements in a company run by a friend, and bought and sold films. He had been running a movie theater in Shenghai for many years, so he wanted to Xiangjiang resumed its old business.

  Xiangjiang called theaters theaters. There was no TV at that time, and going to theaters to watch movies was the main form of entertainment for Xiangjiang people.

  Operating a theater is naturally good in a busy city, but the rent in a busy city is expensive, and Qiu Degen is out of reach, and there is no way to borrow money.

  The road was blocked, so Qiu Degen could only focus on the countryside. He traveled to the New Territories and finally rented a warehouse in Tsuen Wan as a theater.

  Qiu Degen’s principle is to save as much as possible. The rent in the countryside is low, and rural people seldom watch movies, so they can rent old movies to play. The rent of old movies is only HK$1 a day, which can save a lot of money.

  At that time, the population of Tsuen Wan was only 100,000. In addition to the local residents, there were also cottage factory workers, but they were all farmers from Guangdong Province. As soon as Qiu Degen's theater opened, it was really popular, and the house was always full.

  As soon as Qiu Degen got rich, he set up a theater in a township. By 1958, he had independently owned 14 rural theaters and became the theater king in the New Territories.

   Later, when Black and White Cinemas acquired independent cinemas in the New Territories and other places, it also had some competition with Qiu Degen, but in the end Qiu Degen still lost.

   Qiu Degen, who had achieved success in independent theaters, set his sights on the banking industry. At that time, there was no bank in the New Territories, and the banks were keen to do business for the rich in urban areas, and disdained to come to the rural areas of the New Territories.

  At that time, Qiu Degen was thinking, although the rural people are poor, they have a large population. If a household can save a little money, isn’t it a considerable asset?

  However, in the early days, Qiu Degen had insufficient funds and did not apply for a bank license, so he could only run a bank.

   In this way, after several years of operation, Qiu Degen finally reorganized the bank in 1960 and founded the Far East Bank.

  The amount of deposits also ranks first in the New Territories!

   At this time, Qiu Degen had a lot of funds to allocate. He was shocked and claimed to build the tallest building in the New Territories.

   Soon, the Far East Bank Building broke ground in Tsuen Wan, and the civil works were completed at the end of 1964. The height of 17 floors ranked first among all buildings in the New Territories.

  Tsuen Wan is already an important industrial town in the New Territories. The interior decoration has not yet been completed. Many companies have rented the office space of the building. This building is used as a signboard. Deposit customers are no longer rustic New Territories villagers. There are many corporate clients, and the inflow and outflow of funds is often calculated in tens of thousands.

  Far East Bank has established many branches and offices in Hong Kong, Kowloon and New Territories.

   Qiu Degen's career has reached its peak, and the locals call him the richest man in the New Territories and the tycoon of banks in the New Territories.

   Who knows that man’s calculation is not as good as heaven’s calculation. On January 26, 1965, Mingde Bank ran out, and within a few days, Mingde Bank went bankrupt in the run-up.

  The trend spread like a plague in Hong Kong and Kowloon, and the branches of Far East Bank in Hong Kong and Kowloon naturally became the target of "attacks" by depositors. Qiu Degen prayed in his heart, hoping that the wave of crowding would not sweep the remote New Territories.

  Obviously, God did not receive Qiu Degen's prayer, and soon the crowding trend spread to the New Territories.

  Far East Bank was in danger, no matter how Qiu Degen explained to the depositors, he could not stop them from withdrawing money.

Although the Far East Bank finally survived the crisis, the Far East Bank has lost its former glory and can only be regarded as lingering. When the Xiangjiang incident happened again in 1967, in 1969, Qiu Degen couldn't hold on anymore. , Transferring 76% of the shares of Far East Bank to American-funded Citicorp Bank.

  Since then, Far East Bank has changed its surname, but it is difficult for a strong dragon to overwhelm the leader. Although Qiu Degen only has a 24% stake in Far East Bank, he still serves as the chairman of Far East Bank.

  After the honeymoon period between the two parties, conflicts began to emerge. Qiu Degen had a modest name, but he was unwilling to surrender.

  Far East was created by him alone. Although he only holds 24% of the shares, he still regards Far East as a family business.

  The American boss of Citicorp in Hong Kong is dissatisfied with Qiu's paternalism, and even more dissatisfied with the management of the Far East. American directors often "intervene" Qiu Degen's management, saying: "North American banks do not do this."

  Qiu Degen retorted: "This is Xiangjiang!"

  In the mid-1970s, Citicorp proposed a package plan to reform the Far East. What annoyed Qiu Degen most was the reorganization of the Far East's high-level personnel.

If there is no accident, the two parties will go to court this year. Far East Bank accused the holding company Citibank Bank of violating the contract between the two parties, mismanaging it, and reorganizing personnel without authorization; It belongs to the normal business scope. According to the Xiangjiang Company Law, the personnel rights should be in the holding company.

  The entire lawsuit lasted for 4 years, and in the end Citicorp Bank was unable to overwhelm the leader, and finally chose to withdraw from Far East Bank and sold its shares to Qiu Degen.

   As a result, Far East Bank was still warm in the hands of Qiu Degen, and encountered the turmoil in the banking industry in Xiangjiang in the early 1980s. Qiu Degen had no choice but to seek the support of foreign banks again.

   In this way, Qiu Degen's Far East Bank was so ups and downs that Qiu Degen once again lost his controlling stake in the bank.

  Xu Yi replied: "Not yet, I heard that the current conflict between the two parties can no longer be reconciled, and it is very likely that they will resort to court in the end!"

  Chu Huan thought for a while, and said: "Help me contact the person in charge of Citicorp Bank in Xiangjiang, and ask them if they have any idea of ​​selling shares in Far East Bank!"

  Xu Yi nodded and said, "Okay!"

Chu Huan continued: "In addition, tell the three factories of Fendou Printing Factory, Youth Toy Factory, and Wolf Smoke Games to open accounts in the Far East Bank for their employees, and deposit 500 yuan in each account. Remember Only save 500 yuan labor!"

  Xu Yi just thought about it briefly, then understood what Chu Huan meant, and said, "Okay!"

   Then Xu Yi asked Chu Huan: "Then do you want to contact Qiu Degen?"

  Chu Huan shook his head and said, "No need for now, it won't be too late to see Qiu Degen after we have settled with Wanguotong Bank!"

  Although the lawsuit between the two companies has not officially started yet, Citicorp Bank should already understand that it should be impossible for them to perfectly control Far East Bank.

  Chu Huan believes that if the price is reasonable, the other party should be willing to sell the shares of Far East Bank.

  After making a plan to attack the Far East Bank, Chu Huan continued to check the situation of other Chinese-funded banks.

   Waited until after get off work in the afternoon, Zheng Jiachun suddenly came to the Chinese shop, saw Chu Huan, and asked with a smile.

   "Is there anything going on tonight?"

  Chu Huan shook his head and said, "No, what's wrong?"

  Zheng Jiachun said with a smile: "I can't come to see you if I have nothing to do. I know you are going to Japan in a while, so I want to sit with you now!"

  Chu Huan nodded and smiled, "Okay, I'll give you this chance!"

   What Chu Huan didn't expect was that Zheng Jiachun actually brought herself to the MOD club!