Chapter 745 The world's most embarrassing charterer (7K chapter, please subscribe~)

  In the first ten days of December, the Xiangjiang River was calm and nothing happened.

Originally, at the beginning of December, someone analyzed the acquisition of Daoheng Bank by Jiaku Bank. It was very likely that Jiaku Bank wanted to expand its influence in the Hong Kong banking industry. Do it, and if you want to do it, you have to be a big corporate gene. This is very likely to be a hurricane that will sweep the entire Hong Kong banking industry.

   Immediately after, there was news that Jiaku Bank issued an acquisition price to Hang Lung Bank with a long history in Xiangjiang.

   This seems to confirm the thoughts of those people before.

  But soon, Zhuang Rongkun, the head of Hang Lung Bank, and Liu Zhiyuan, the head of Jiaku Bank, came out together to refute the rumors.

  The content of the rumors refuted by the two parties is consistent. Jiaku Bank indeed made an inquiry to Hang Lung Bank, but with Hang Lung Bank’s rejection, Jiaku Bank stopped all possible acquisitions of Hang Lung Bank.

  As soon as this news came out, some people who watched the excitement and didn't think it was a big deal felt a little bored, but at the same time, it made many banking practitioners in Xiangjiang breathe a sigh of relief.

  If Jiaku Bank really enters into the acquisition of other banks in Xiangjiang with such a posture, it will acquire if the other party agrees, and it will not acquire if the other party does not agree. This is a very good status quo.

  Subsequently, news broke out that Jiaku Bank had issued an acquisition inquiry to a number of Hong Kong local banks, and the results also confirmed the thoughts of these people.

   If you agree, Jiaku Bank will actively negotiate with the other party. If you don’t agree, Jiaku Bank will turn around and leave without procrastinating!

"Most bank owners rejected our acquisition application, and a small number of bank owners wanted to invite us, Jiaku Bank, to become a shareholder of their bank. In the end, only one Kangnian Bank agreed to our acquisition application. Now the company is Negotiate with the other party!"

  Liu Zhiyuan found Chu Huan on this day and told Chu Huan what he had done during this period of time.

  Kang Nian Bank can only be a small bank in Xiangjiang. The founder Li Xingqu founded Kang Nian Bank in 1921.

  However, this type of local small banks in Hong Kong were basically acquired by foreign capital during the bank run wave caused by Hang Lung Bank.

  Connian Bank is no exception.

The golden age of Hong Kong's local banking industry was from 1946 to 1964. At that time, although the capital of Xiangjiang Huazi Bank was small, it had a large number of branches and had considerable influence among the Chinese in Hong Kong, especially the middle and lower classes and small and medium-sized enterprises. .

  But after 1965, Huazi Bank 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.

By the end of 1988, there were still 27 Chinese-funded banks registered in the local area. However, two of them were fully taken over by the Hong Kong government, namely Hang Lung Bank and Overseas Trust Bank. Up to 20, Guangdong Provincial Bank, Jinghua Bank, Dah Sing Bank, Zhejiang First Bank, Xiangjiang Commercial Bank, Dah Sing Bank, Daoheng Bank, Far East Bank, Hang Seng Bank, Kangnian Bank, Xiangjiang Chinese Bank, Xiangjiang Industrial and Commercial Bank , Ka Wah Bank, Guang On Bank, Liao Chong Hing Bank, Sheng Hai Commercial Bank, Sun Hung Kai Bank, Wing Hang Bank, Wing On Bank, Union Bank.

  Among the 27 banks, only a small number of 5 such as Wing Lung Bank can still maintain their wholly-owned independence.

  By 1989, three barely independent Chinese-funded banks had their licenses canceled by the Hong Kong government.

   It can be said that the local Chinese-funded banks in Xiangjiang were able to become a powerful force in the banking industry of Xiangjiang at the beginning, but in the end because of their poor individual capital capacity, they had completely lost their status in the group system of Xiangjiang Bank.

   After entering the 1980s, the Hong Kong Banking Industry lost the Hong Kong Banking Group, leaving the HSBC Bank Group, the Chinese Banking Group, the American Banking Group, the Japanese Banking Group, and the European Banking Group.

  The HSBC Group at that time had four components, namely Hong Kong HSBC, Hong Kong Hang Seng, HSBC Finance, and HSBC Investment Bank Asia Holdings, which was renamed by Dolly. These four banks were all licensed banks.

  In 1981, HSBC had 250 branches in Xiangjiang, and Hang Seng Bank had 45 branches in Xiangjiang, accounting for 37.8% of the number of Xiangjiang Bank branches!

  At the same time, HSBC Bank Group also has the largest number of deposits in Xiangjiang Bank, exceeding 50% of Xiangjiang's total deposits!

  However, the largest banking group in Xiangjiang is not HSBC, but a Japanese banking group!

  When the Japanese banking group first entered Hong Kong, there were only three banks: Bank of Tokyo, Sanwa Bank, and Sumitomo Bank, all of which entered Hong Kong before 1965.

  When they first entered Xiangjiang, the business focus of Japanese banks was not on deposits. The main business of Japanese banks in Xiangjiang was loans and fundraising, the most important of which was syndicated loan business.

  After entering the 1980s, Japanese banks began to shift their business focus to securities underwriting, financial management and dialogue business.

  According to statistics, during the same period, the amount of loans issued by Japanese banks in Xiangjiang far exceeded the amount of their deposits, and the loan amount may have exceeded half of the total loan amount of Xiangjiang!

  This is also the reason why the Japanese bank group can become the first bank group in Xiangjiang!

  However, Japanese banks in Xiangjiang adhere to the principle of making a fortune in silence, so there are very few news about them.

Chinese-funded banks are still very low-key in Xiangjiang. Their transformation will wait until the 1980s. With the change of their hometown, Chinese-funded banks have also begun their transformation in Xiangjiang. It has gradually grown into an important member of the Xiangjiang Bank Group!

  The situation of American-funded banks and European-funded banks is similar. Although they have their own business in Xiangjiang, their proportion is not very high. Among them, American-funded bank groups are stronger than European-funded bank groups!

  Kangnian Bank was taken over by foreign capital, mainly because they had bad debts on a loan of 160 million Hong Kong dollars in 1981.

  This can also show the ability of Hong Kong Local Bank to withstand pressure. The bad debt of 160 million Hong Kong dollars in loans has already caused a devastating blow to it.

  It is only the end of 1979, so the loan should not have been released yet. As for why the other party decided to sell Kangnian Bank, Chu Huan didn't really care.

   "When purchasing, we must pay attention to their assets, this is the top priority!"

  Chu Huan preached to Liu Zhiyuan.

  Liu Zhiyuan nodded and said: "Understood, please rest assured, chairman!"

  Chu Huan nodded, "Also, the banks that An Xie asked to buy shares should reject them!"

  Now that he has decided to take a laissez-faire attitude towards the expansion of the banking industry at this time, Chu Huan will not use his own funds to guarantee them!

  In the first ten days of December, the biggest news in the Xiangjiang business community should be the acquisition of Daoheng Bank and Kangnian Bank by Jiaku Bank.

   Although these two banks are not considered large banks in Xiangjiang, after Jiaku Bank completed the merger of Bank of East Asia and Far East Bank, and then successively acquired Wing On Bank, Daoheng Bank, and Kangnian Bank.

  Jiaku Bank has officially become a first-class banking group in Xiangjiang.

  Although it still cannot catch up with banks like HSBC and Standard Chartered, it is almost on par with Hang Seng Bank!

  If Alder Commercial Bank is added, the banking group of the Jiaku Department has officially become a large banking group in Xiangjiang!

  ‘The Birth of a Banking Giant! ’--"True Daily"

  As the official newspaper of the Jiaku Department, "True News" also published a report after Jiaku Bank completed the acquisition of Daoheng Bank and Kangnian Bank.

  As soon as this report came out, it immediately caused a huge sensation in Xiangjiang. More importantly, it made many monopoly behaviors that thought that Jiaku would be like imitation, toys, comics, and department stores choose to give up.

   But that is all after the next year.

   When it entered mid-December, although there were no major events in the Xiangjiang business community, there was a major event in South Korea that was reported by major media newspapers.

  The commander-in-chief of the South Korean Security Command, Chun Doo-hwan, launched the 12.12 coup that affected the history of South Korea, and took down the power in South Korea in one fell swoop.

  Although Chun Doo-hwan has not officially served as the president of South Korea, no one will doubt that Chun Doo-hwan will become the biggest ruler of South Korea!

  Although the news was big enough and sensational enough, for Xiangjiang, he didn't really take it too seriously.

  But a person in Xiangjiang is already happy at this time!

   And this person is Quan Zaiguo who took refuge in Xiangjiang.

  Before, in order to avoid risks, Chun Doo-hwan arranged Quan Jae-gook to Hong Kong. Now that Chun Doo-hwan has completed the transfer of power in South Korea, it is only a few days before Quan Jae-gook returns to South Korea!

   "Master Quan, congratulations, you will be the number one son in South Korea from now on!"

  Chu Huan also specially came to the Deep Water Bay Villa where Quan Douhuan lived on this day. It is said that during this period of time, Quan Douhuan's life in Xiangjiang has really become a bit of a joy.

   Surrounded by different beauties every day, the delicacies of the mountains are even disgusting, that is.

   "Master Quan, although beautiful women are good, you should also pay attention to your body!"

  Seeing Quan Douhuan's pale face with an unhealthy smile on his face, Chu Huan suspected that if the No. 8 typhoon came to Xiangjiang at this time, Quan Douhuan could be blown away by the wind walking on the street!

"Haha!" Quan Douhuan laughed and said: "Mr. Chu, I still want to thank you for your hospitality in Xiangjiang during this time. You can rest assured that when I return to South Korea, I will definitely tell my father your suggestion. When the time comes Let's all make money together!"

  Chu Huan said with a smile: "If this is the case, that would be great. After all, there is nothing that money can't buy in this world. What you have is whether the price you offer can impress the other party's mind!"

   "That's right!" Quan Zaiguo immediately laughed and said.

  For this dude who only has beautiful women in his heart, Chu Huan naturally wouldn't say anything more. What he said before, now that Quan Zaiguo can bring it to his father smoothly, there is nothing else to say.

   After chatting with Quan Zaiguo for a few words, Chu Huan got up and left.

.

  Although Wu Shuhan is in her hometown now, when Chu Huan goes to London, Wu Shuhan will also be in her hometown at that time, but this does not prevent her from coming back at this time.

  The important reason why Wu Shuhan came back was actually for the matter that Chu Huan told Cao Yunshang before, the matter of donating the school in his hometown.

   "What's the situation in my hometown now? Do you accept our suggestions?"

  After Wu Shuhan returned to Xiangjiang, he came directly to No. 12 Mount Kellett Road, and Chu Huan and Cao Yunshang also chatted with Wu Shuhan about this matter in the study.

   After chatting with Cao Yunshang, Chu Huan told Wu Shuhan about the matter, and asked Wu Shuhan to inquire about the process of donating the school in his hometown.

  According to the records, Shao Yifu started donating money to run a school in his hometown in 1985, but it is still 79 years old. Chu Huan is not too sure whether his hometown can accept this matter.

Cao Yunshang said: "I have already consulted with the relevant departments in my hometown. They still have a lot of concerns about this donation. Among them, the most worrying thing is ideological issues. Using capitalists' money to build schools, for such a situation , I lack such experience in my hometown.”

   After listening, Chu Huan nodded and asked, "So this matter is still under discussion?"

   "That's right!" Cao Yunshang also said helplessly.

  Chu Huan said with a smile: "It's okay, we can't reach an agreement now, so let's talk slowly. Anyway, we are not in a hurry. This time, you should ask in coastal cities first. They will accept new things faster!"

  Although the matter of donating money to run a school will definitely be done in a poorer place in the future, but in the current situation, it is definitely not that simple to do this. Instead, it is better to try the water in some cities first.

  Wu Shuhan nodded, no matter for them or for his hometown, this matter is not something that can be done in a hurry.

   "Boss, what about running schools in Xiangjiang?"

  Wu Shuhan is still very concerned about this matter. After all, Chu Huan's original intention of running a school in Xiangjiang is to prepare for the second generation of the Chu family. That means Wu Shuhan's children will definitely study in this school in the future!

  Chu Huan said with a smile: "Xu Yi has already started selecting a site. If there are no accidents, construction can start next year!"

  It is a little difficult to donate money to run a school in my hometown, but it is not difficult to establish my own comprehensive school in Xiangjiang.

  Now in Chu Huan's hands, there are not many other things, but there is a lot of land. It is not a problem to find a piece of land to start your own school!

Of course, such behavior must be a wasteful behavior in the eyes of many people. After all, Xiangjiang is a place where every inch of land is expensive. They want to circle a large piece of land in such a place to start a school that includes kindergartens, elementary schools, and middle schools. Comprehensive colleges are definitely a waste of money.

  Cao Yunshang said: "I have already started to let the big brother start the design. After the construction is completed, it will definitely become the best prestigious school in Xiangjiang!"

  Later generations will say that it is difficult to enter the school in my hometown, and what follows is the matter of housing in the school district.

   But in fact, the famous schools in Xiangjiang are more difficult to get into. Almost every parent will squeeze their heads and want to send their children to famous schools.

   Not only can you get better educational resources in prestigious schools, but more importantly, prestigious schools are difficult for ordinary people to enter, but for the top rich, it is very easy.

  No matter in what era, a circle is very important!

   After briefly chatting about the establishment of the school, Wu Shuhan began to report to Chu Huan about their situation in their hometown.

   "The hotels in Beijing, Shenghai, and Lin'an are already under construction. As for Pengcheng, because the documents for establishing a special zone in Pengcheng have not been officially issued, we still have to wait!

  In addition, the hotel management students from Beijing, Shenghai, and Lin'an have all followed me to Xiangjiang, and now they have been entrusted to the big hotel group! "

   This is the first project that Chu Huan asked Wu Shuhan to be in charge of in his hometown. Like many businessmen in Xiangjiang, Chu Huan put his first major investment in the hotel industry in his hometown.

   "Xu Yi will report this matter to me every month. How is the other thing I asked you to do?"

  Chu Huan is not very worried about building a hotel in his hometown. After all, apart from Chu Huan, Huo Tsar and the Chartered Ship King have already started to do so. I believe there will be no other problems in this matter.

   Another thing that Chu Huan asked Xu Yi to do was actually a private matter in a strict sense!

  Wu Shuhan said with a smile: "Now the courtyards in the capital and the old houses in Shenghai have been returned in advance, and this batch actually wants to deal with these courtyards and old houses!

  Originally we proposed to acquire these properties, but the hometown side did not agree, but after we proposed to trade with the housing management bureau in US dollars, and increase 20% on the basis of their house acquisition, the hometown side agreed. "

  Now there are still many problems in the private sale of houses in my hometown. More often, the Housing Management Bureau is responsible for buying those properties that want to sell.

   One of the things that Chu Huan asked Wu Shuhan to pay attention to in his hometown was actually the courtyard house in the capital and the old house in Shenghai.

  In 1979, the hometown began to return the private property that had been confiscated. In fact, it had already started in 1978. Otherwise, the Rong family would not have obtained their own assets, and Mr. Rong would not have come to Xiangjiang.

  However, as Wu Shuhan said, there must be a process for this kind of return. Those who return in advance are generally related to overseas. What the hometown hopes is to let these people see the determination of the hometown for reform and opening up.

  Cao Yunshang knew about this, and asked Wu Shuhan curiously: "How much is a courtyard house?"

  Wu Shuhan said with a smile: "When I came here, there happened to be a courtyard house for sale in Caishikou, Beijing. This courtyard house is about 200 square meters including the yard. We negotiated with the owner and the result was 1,000 yuan!"

   "So cheap?" Cao Yunshang asked in disbelief.

  200 flat in Xiangjiang is more than 2,000 square feet. According to the current housing prices in Xiangjiang, such a property would cost at least 1.4 million yuan. How could it be bought for 1,000 yuan in your hometown?

  Cao Yunshang smiled wryly: "It's not that easy. Although we have completed all kinds of procedures, the house is ours, but in fact there are still many tenants living in this courtyard.

And according to the policy of my hometown, these people don’t have to move out. They only need to pay 2 yuan per room per month to enjoy the right of permanent residence. In addition, we also need to pay 2 yuan per room to the Housing Management Bureau every month. Dime property tax, not only that, but also responsible for house repairs, each courtyard needs about two to three hundred yuan a year!

   This is why some homeowners are willing to sell their courtyard houses! "

  "Permanent residency?" Cao Yunshang doesn't care about rent, property taxes, maintenance costs, what she really cares about is the permanent residency of those tenants, "In this case, don't we spend money for them to enjoy it?"

  Chu Huan smiled and said, "There is always another way, right?"

Wu Shuhan nodded and said: "Nowadays, the homeowners of courtyard houses in the capital basically have three methods. One is to use all kinds of methods to drive the tenants away, and they live in themselves; the other is to lie flat, neither I don’t care about repairing the house when I collect the rent, I don’t care what I like; the third is to recognize the head, simply sell the house to the housing management bureau, and don’t want it.

  That's why we were able to accept so many properties smoothly. "

Cao Yunshang, a native of Xiangjiang, can't understand this situation. He knows that Chu Huan gave Wu Shuhan a lot of money in order to buy more courtyard houses and old houses. Cao Yunshang couldn't even imagine the house price, the number of courtyard houses and old houses that this money could buy.

  Especially after the aftermath of the purchase, Cao Yunshang felt even more headache.

   "Brother Huan, although housing prices will definitely rise with the economic development of my hometown, isn't it a bit exaggerated to buy so many properties?"

  Exaggerated?

Just say that the 200-square-meter courtyard in Caishikou that Wu Shuhan just mentioned is only 1,000 yuan now, but in later generations, such a courtyard will cost at least 35 million yuan. If it is in those prime locations, it will be in units of 100 million yuan. Calculated.

  Simply speaking, just this one investment will allow Chu Huan to become the richest man in the future, even in the world!

  As for the old bungalows in Shenghai, this is even more so. In later generations, there is no market at all, and they are all a radish and a pit.

   "Take it as an investment, and there is not much money anyway!" Chu Huan said with a smile.

   "What about these tenants? You can't keep them forever, can you?" Cao Yunshang said with some dissatisfaction.

  Chu Huan said with a smile: "Let's do this first, let those people live in some small courtyards first, and then find a way to get them out when the policy changes in the future."

Then Chu Huan said to Wu Shuhan: "The most important thing is to find those big houses, especially those left by high-ranking officials and princes, and the old houses in Shenghai. You can discuss it with the people in the capital and Shenghai local government. As long as they If you can help us get a house like this, our company will increase its investment in the capital by 10 million Hong Kong dollars. The more the better!

  Of course, you have to tell them that after these houses are collected, we will renovate and live in them ourselves, so the tenants or offices there must move out! "

   To put it bluntly, what Chu Huan is playing now is a lack of information. Now the situation in his hometown is more important to foreign investment. As for those courtyard houses, old houses are actually not that important to them.

   Naturally, they will not know the value of these properties in the future!

"An investment of 10 million Hong Kong dollars for each property?" Wu Shuhan said in surprise: "Boss, is this investment too big? I'm worried that people over there will sell us all kinds of houses like crazy. ?”

"Han Xin dispatches troops, the more the better, and the more the better for Chu Huan to buy houses, besides, even if there are no such properties, according to our plan, in the next few years, the investment in these cities will not be less, and there is no need at all." Another investment!"

   Chu Huan laughed.

  Hearing what Chu Huan said, Wu Shuhan understood what Chu Huan meant.

   With a smile on his face, he said: "I know!"

Cao Yunshang didn't care about this at all. She just said that because she didn't know the future value of courtyard houses and old houses. It's already a lot, but for Chu Huan and Cao Yunshang, the money is really not much!

  Wu Shuhan stayed at No. 12 Mount Kellett Road that night. He hadn't seen him for a few months, and he and Chu Huan were crazy.

  In the next few days, Xiangjiang was still fine, Wu Shuhan also stayed in Xiangjiang, and reported to Chu Huan something about the investment company that Lin Feng and Qin Peng got.

  Now Lin Feng and Qin Peng are protecting crude oil, so their investment company in their hometown is also being watched by Wu Shuhan.

  However, there is actually no business environment in my hometown, so their investment companies have nothing to do, and they are just doing this at this stage.

   On the other side, on the third day after the 12.12 coup, Quan Zaiguo left Xiangjiang and returned to South Korea.

After he returned to South Korea, Chu Huan received a call from Quan Douhuan. On the phone, Quan Douhuan told Chu Huan that he had known Chu Huan's thoughts in Quanzai country, and sent an invitation to Chu Huan, hoping that Chu Huan Huan can go to Seoul when he has time.

   At this time, the capital of South Korea is not called Seoul, but Seoul!

  So the development of South Korea in the 1970s and 1980s is also known as the miracle of Seoul!

  But Chu Huan did not agree to Quan Douhuan's invitation.

"Commander Quan, there is still some confusion in South Korea. I think you will need time to sort out the situation in South Korea. Why don't I go and visit President Quan after you sort out the situation in South Korea? "

  Hearing Chu Huan's address in advance, Quan Douhuan let out a hearty laugh on the phone, and said: "Okay, Director Chu is thoughtful, then I will invite you again at that time!"

  Chu Huan also said with a smile: "Then we will be nagging the whole president!"

   "Should!"

  After the two finished their conversation, Chu Huan just smiled.

   At the end of December, when everyone in Xiangjiang thought that 1979 was going to pass like this, a major event suddenly broke out in the business circle of Xiangjiang, which completely shocked the whole Xiangjiang!

   Thank you everyone, the typo is corrected first and then corrected~

  

  

  (end of this chapter)