Reborn Capital Madman

Chapter 0496 The minds of the Hong Kong banking industry are different

Gao Xian’s experience over the years is definitely rich and colorful. He has seen many strange anecdotes, and Ye Han is considered one of the strange people. Not to mention his well-known glory in "gambling", just this slightest bit.

Few people can compare with the courageous and fierce spirit who are not subject to the high age limit. No wonder He Hongshen is incompatible with the competitive He Hongshen.

However, no matter how skilled the "gambling technique" is, it cannot compete with the "power technique". Ye Han was led by He Hongshen, which is evidence.

In Gao Xian's eyes, the grudge between Ye Han and He Hongshen is completely out of reach, but if Ye Han goes to Las Vegas, he might be able to really help expand Wen Enhui's power.

It is worth trying if possible, so Gao Xian cooperated with He Hongshen and Ye Han's plans to provide them with convenience in Las Vegas.

Of course, this layout must be low-key, and Gao Xian has always cherished his feathers.

After beating Ye Han, Gao Xian continued to prepare for his visit to Beijing.

At present, the relatively easy project in the mainland should be the hotel construction plan. The hotels under Gaoxing Group already have Hilton Hotels in Xiangjiang, Mandarin Hotels in Xiangjiang, Hyatt Regency Bali, Indonesia, and Sands Hotel in Las Vegas, United States

I have been a well-known brand, and my background is definitely enough.

While Gao Xian is full of confidence in this, he also plans to take advantage of the opportunity of hotel construction supporting financial services to allow Gaoyi Bank to have preliminary contact with the mainland.

Based on this consideration, Gao Xian wanted Ye Licheng, who was the general manager of Gaoyi Bank, to go north to Beijing with him.

Ye Licheng happily agreed, "It just so happens that I will check the scene, how did I practice Mandarin."

Gao Xian was amused. Speaking of which, Ye Licheng was really a capable helper. He is now a successful person, but he is still quick and studious, and he really put the advice he gave to executives to learn Mandarin.

In fact, in this era, it doesn’t matter whether Hong Kong businessmen understand Mandarin or not, because at this stage, Hong Kong businessmen have the advantage in their financial situation, so the mainland naturally finds ways to accommodate them, and even such as "drizzle" and so on are regarded as fashionable.

But there is one thing, Gao Xian seeks long-term development and then needs to bend down to do things steadily. For example, understanding Mandarin means that he can better understand the ideas of the mainland, and even achieve the level of real closed-door talks without the need for a translator.

The two quickly turned back to the local exhibition of Gaoyi Bank in Xiangjiang, which was the ATM that was publicly unveiled in a unique way some time ago.

"It's hard to get things done if there are too many people." Ye Licheng sighed: "Banks are very interested in ATMs. They not only try to operate them, but also go to Huanyu Electronics, which provides a complete set of solutions, but also conduct inspections.

Most of the Internet matters are evasive.”

Currently, there are less than 30 ATMs officially put into use by Gaoyi Bank and Youli Bank. The greatest value is reflected in the fact that it is conducive to shaping the brands of the two banks. Unfortunately, it cannot be created without the scale of the network.

Out greater value.

Gao Xian can understand the difficulties. If the ATMs of each bank are connected to each other, they need to share some information with each other. However, no matter which bank cherishes the customer information they have accumulated, how can it be easily

Share as soon as you say it.

In Gao Xian's view, the Internet of ATMs of various banks in Xiangjiang is inseparable from the bigwigs in the banking industry in Xiangjiang. Such as Gaoyi Bank, Yili Bank, Standard Chartered Bank, etc., they are not qualified, only the tree has a deep root.

Only HSBC, with a deep background, has the foundation of gathering people to respond.

Ye Licheng said unwillingly: "We are the leaders of Xiangjiang ATM business. Can we only wait for Huifeng Bank to come forward to organize it? If you are afraid, Huifeng Bank may not take us to play together!"

"Huifeng Bank and its controlling Hengsheng Bank branches are located in Hong Kong Island, Kowloon and the New Territories, with more than 200 outlets. Among the entire Hong Kong banking industry, the proportion accounts for more than 20%.

5. You can set up an ATM network covering Xiangjiang by yourself.”

Gao Xianshen said with consent, "I expect that it is not that Huifeng Bank may not bring others to play with, but Huifeng Bank will definitely choose to do it alone. Because Huifeng Bank has too rich resources, it is naturally the least to want to go with its peers.

share."

Ye Licheng, whose thoughts were guided by Gao Xian, began to suddenly say: "The boss means that when the situation is clear, those banks with different minds can only put away their thoughts and try their best to find a way out."

Gao Xian smiled slightly, "Sometimes it's like this. The alliance under the city is better than countless kind words to persuade him!"

Ye Licheng said: "BOC is not necessarily strong now, but it is large enough. It has more than 130 business outlets in Xiangjiang, second only to Huifeng Bank. It is qualified to organize various banks to build an ATM network.

After we add it, we should be able to ensure our status.”

"After all, you have to rely on your strength to speak." Gao Xian gave an instruction: "The next two to three years will be a key extension to let go of your hands and feet, and Gaoyi Bank must firmly grasp it. The number of outlets is only one aspect

, the core is the business.”

"At this stage, there is a major trend in the global banking industry. The proportion of residential property mortgages in bank loans continues to increase. With the changes in the economic structure, the Xiangjiang banking industry is even more so. The current loan scale of 8 billion yuan is just the beginning. In the future, the future

It will definitely be done in two or three years.”

Ye Licheng nodded, "Now, everyone is competing with residential property mortgages, the proportion of mortgages is constantly increasing, and even soliciting slogans that can reach 90%."

"Didn't I say that the next two to three years will be a key extension for relaxing hands and feet." Gao Xian gave a clear guidance and said: "In the local personal loan business, residential property mortgages are a

The big one accounts for about 60% of the proportion, and the rest, especially credit card business, cannot be ignored."

"In addition, Xiangjiang's insurance industry will usher in a rapid expansion period. I plan to integrate the insurance businesses affiliated to various companies in the group to establish a large insurance company focused on this field."

Because Xiangjiang is a trading port, maritime transportation led to the development of the insurance industry more than a hundred years ago.

However, the Hong Kong government has little supervision over the insurance industry. Operators only need to follow the general process, conduct business registration and pay the registration fee to the company registration office before they can open their business. That is, this year, the Hong Kong government has begun to pay attention to it and pass regulations and stipulate

The minimum capital amount of a newly registered insurance company is RMB 5 million.

In this case, many banks, financial companies, commercial banks, real estate companies, etc. in Xiangjiang have installed insurance companies.

Gao Xian’s idea is to integrate the various affiliated insurance companies in Gaoxing and Gaoyi Group to establish Gaoan Insurance and enter the insurance industry in a comprehensive way.

They were discussing that Zhou Wenyao sent an international long-distance from the United States across the ocean, reporting: "Boss, IBm CEO Frank Carri, want to have an interview with you."

...

ps: Alas, the previous chapter was harmonious. It seems that the outline needs to be adjusted, and some ideas have to be cut off...

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