Reborn Capital Madman

As Jiahua Bank encountered a turbulence of squeezing and queuing, Yili Bank finally officially took over as the chairman of the 1983 Xiangjiang Banking Association.

The outside world has been paying attention to this matter for a long time, because it reflects that the bank led by Gao Xian has received unprecedented recognition in terms of strength and status, which may in turn mean that the banking industry in Xiangjiang will have a subtle situation.

profound changes.

As for deeper analysis, it is so complicated that it is hard to describe.

For example, since the late 1960s, US-funded multinational banks have always wanted to build Xiangjiang into the Asian dollar market and as an extension of the European dollar market in Asia. However, at that time, the British were always guarding their own interests.

For example, if you refuse to abolish the interest tax on foreign currency deposits, and in the end, Star Singapore, which has only been independent for a few years, accepted and seized this opportunity, and became the center of the Euro dollar in Asia at this stage.

But the desire for capital is endless. In some ways, Xiangjiang is more in line with the idea of ​​the less constraints of international capital. At present, because of the 1997 issue, the British people's interests in Xiangjiang are not as good as before.

If you are so strict and you have to return it to Xiangjiang anyway, why don’t you share it if you should share it, and give it to the ground if you should give it to your favor.

Now, the Bank of Youli has officially taken over as the chairman of the Xiangjiang Banking Association. In the eyes of international capital, the British have opened up their mouths on the territory they control.

So, I wanted to participate in this event, to put it bluntly, those who wanted to inquire about information were very enthusiastic, and the reception work was very testable.

Gao Xian placed the party at the Mandarin Hotel, which has a deep connection with Xiangjiang Land, instead of the Xiangjiang Hilton Hotel, which was previously favored by Gaoxing Group, because he wanted to "successfully" Xiangjiang Land.

Speaking of which, since bidding for the new land king in Central, Xiangjiang Land has always been very popular, such as in London, because Chelsea club operations are unwilling to follow the media's advice, spending a lot of money to introduce big-name players, and establishing football hooligan black at Stamford Bridge Stadium

Lists, etc., have been repeatedly sarcastic and named in places.

Xiangjiang Land was also teased by various kinds of fun because it established a company called Wanguo Land in London to control a series of rights including Stamford Bridge Stadium and Chelsea Club. From Xiangjiang Land to Wanguo Land, the name is full of joy.

ah.

In short, whether it is serious or joking, Xiangjiang Land has a very famous name in the UK. This time, hosting a reception that is conducive to the bank's takeover as the chairman of the Xiangjiang Banking Association is a way to take advantage of the situation. Wei, chairman of the board of directors of Xiangjiang Land

Peter led many executives to show up.

In fact, this is not abrupt. This event invited many business people. In addition to Xiangjiang Land and Gaoxing Group, there are also Jardinet, Swire, Huidefeng, Hutchison, Dajiang Industrial, Sun Hung Kai Properties and other groups.

In addition, people in seemingly unrelated fields, including political, diplomatic, media, etc., also attended the event with their own purposes.

Of course, the banking industry is the protagonist. More than 100 licensed banks in Xiangjiang are present and must also be present.

After the reception was about the time when, Chen Zuze, general manager of Youli Bank, who had been busy running around, made some preparations and then asked Gao Xian, chairman of Youli Bank's board of directors, to speak.

Sir Gao, who sat with Hong Kong Finance Minister Peng Lizhi, stood up calmly, took the speech handed over by his assistant, and walked to the podium.

The entire banquet hall suddenly became silent because everyone present was eager to know what work Sir Gao was going to do during the year he served as the chairman of the Xiangjiang Banking Association in Youli Bank.

Gao Xian first said some necessary scenes, such as thanking Sir Chen Bi and Huifeng for giving the chairman of the Xiangjiang Banking Association, which should have been Huifeng's turn, to the support of the Youli Bank and the Financial Secretary of the State Council, and then he did not. I moved on to the dry content that everyone is most concerned about.

"Tell me what I mean to you, in the period when the Hang Lung Bank crisis, overseas trust banks fluctuated, and Jiahua Bank encountered such squeezing, which made the bank take over as the chairman of the Xiangjiang Banking Association, and made me and my colleagues feel obliged. The sense of oppression between dangers.”

"There is no doubt that the first priority before the new Xiangjiang Banking Association Committee is to calm down the crowding trend that is likely to spread."

"Please forgive my straightforwardness. In my opinion, nearly 30 Chinese banks licensed in Xiangjiang are the most likely to encounter squeezing. Therefore, if I invite these banks, I must tighten my nerves and avoid a The tragic situation of the banking crisis in the 19960s was a tragic situation where the banking industry was hard-working but hard-working was ruined."

People did not expect that Sir Gao, who came on stage with a manuscript, could not help but look different on his face. Especially the executives of the bank founded by Southeast Asian overseas Chinese in Xiangjiang were a little worried.

"In view of the current problems in the banking industry in Xiangjiang, I believe that the recent revision, the banking industry regulations with the main goal of introducing the three-level financial system, still need to be further revised to introduce new capital adequacy ratios and loan-to-deposit ratios. Industry normative system.”

Speaking of this, Gao Xian introduced his own bank to give an example, "As an example, I will introduce the situation in Yili Bank and Gaoyi Bank."

"At present, the capital adequacy ratio of favorable banks is 15.2%, and the loan-to-deposit ratio is 0.68; the capital adequacy ratio of Gaoyi Bank is 25.2%, and the loan-to-deposit ratio is 0.4 six."

After hearing Gao Xian's highlighting of his family, people in the banking industry were very surprised. Because Huifeng handed over to Gao Xian's Youli Bank and Gao Yi Bank, which Gao Xian himself built, were not listed companies, and so on. , the outside world does not know, only know that both the Yili Bank and Gaoyi Bank are extremely powerful.

Even Chen Bi subconsciously raised his eyebrows, thinking about what was beneficial to the bank, he knew, but Gaoyi Bank's true strength could not be said to understand.

Chen Bi's first reaction was that Gao Xian was so young and could be said to be extremely proud. Unexpectedly, the operation of Gaoyi Bank was so stable, and it could even be described as conservative.

The surprises of others are similar. The rapid expansion of Gaoxing Group over the years has allowed the outside world to see Gao Xian's drastic moves. In sharp contrast, Gaoyi Bank is too stable.

But then again, no wonder the Gao family consortium has always been as stable as Mount Tai. The most core part of the family, Gaoyi Bank, is mature and persistent.

After raising his own example, Gao Xian turned his eyes to Chen Bi, "Sir Chen Bi, what is the current capital adequacy ratio of Huifeng Bank?"

"Huifeng Bank's capital adequacy ratio is close to 15%. " Chen Bi blurted out, reflecting that he and Gao Xian had exchanged and consensus on this before, and many people saw it in their hearts and analyzed it in various ways. .

Gao Xian nodded slightly, withdrew his gaze and continued to say: "According to Gao Yi's research and summarizing the experience of the world banking industry, the security line of a bank is that the capital adequacy ratio reaches 8% and the core capital adequacy ratio reaches Four percent can achieve similar results.”

"I believe that as long as the banking industry in Xiangjiang introduces such regulations, the recent banking industry turmoil can be avoided to a large extent."

"In addition, the Banking Association Committee will also communicate more with the Finance Department on the implementation of the implementation of the complete abolishment of interest tax on foreign currency deposits, as well as how to solve the continued weak monetary policy of the Hong Kong dollar."

Seeing Sir Gao put away his speech, everyone thought Gao Xian's speech was over, which was beneficial to the bank's leadership of the work of the 1983 Xiangjiang Banking Association. Unexpectedly, Sir Gao continued: "I think, Among the many factors that have caused the Xiangjiang banking industry to fall into a storm, there is another thing that cannot be ignored, that is, many of the bank’s customers have experienced operating losses.”

"Imagine if these companies go bankrupt and liquidate, the banks will have more bad debts and their operations will be tight."

"So, I suggest that while banks are working hard to solve their own problems, they should also take the initiative as much as possible and communicate in-depth with their customers to help them get out of their predicament. Isn't it the best of both worlds!"

Amid the warm applause, Jardine Niu Bijian, the senior member of Jardine in the crowd, had a cold sweat on his back. Even though Jardine had used all the skills in the fourth quarter of 1982, he still suffered losses in embarrassment. .

In this case, according to Gao Xian, the bank will reach into Jardine.

Niu Bijian seemed to have seen it. Jardine became the Hutchison who was controlled by Huifeng back then. It would be strange if he was not nervous!