Coming out of the Chinese bank, Yin Jun's mood relaxed.

Shen Bi is worthy of being Shen Bi, and he is so domineering when he does things.

He didn't say anything "our board of directors wants to study and study", and after making a decision, he directly asked Yin Jun to prepare detailed information.

As for the amount of the loan, Shen Biming said that as long as Yin Jun took out the two major assets of Kirin Culture Company and New Territories B Land Exchange Equity, then HSBC would be able to solve the loan of $2 billion requested by him.

Of course, in Kylin Culture Company, the three core assets of Kylin Satellite TV, "Kylin Weekly" and Transformers toys must not be divested.

Yin Jun readily agreed, but smiled bitterly in his heart.

HSBC took away all the most valuable things in one go, and the remaining shares and assets were really not qualified to borrow $500 million from Heung Kong Commercial Bank.

Even the most valuable 14.6% stake in Cheung Kong Group is worth around $150 million at most.

Although "Qilin Daily" is now the largest and most influential newspaper in Xiangjiang, it has not made a profit so far, and it is still in continuous losses, and its valuation can be considered to be more than 50 million US dollars.

Fortunately, Heung Kong Commercial Bank is not a careless businessman.

After Yin Jun went to explain the situation, Chen Youhan agreed to a loan of 500 million US dollars more readily than Shen Bi.

At the beginning, he said that he could mortgage the shares of Cheung Kong Group, but Yin Jun knew the dangers of the banking and financial industry, so he pressed all the property in his name, including the mansion at No. 20 Shi Xun Road, to the Heung Kong Commercial Bank.

Since people are so helpful, they can't hurt Chen Youhan because of negligence.

Moreover, Yin Jun made up his mind, once he had money turnover, he would immediately have to replace the money of the Xiangjiang Commercial Bank first, so as not to fall into a crisis in the Xiangjiang Commercial Bank.

Why did Yin Jun think so seriously?

In fact, this is due to the fact that some time ago, he bought the internal economic research data of Goldman Sachs and JPMorgan Chase at a high price.

Goldman Sachs and other investment banks release some important economic data and outlook every year, but a lot of more in-depth information is generally not made public, and if you are not familiar with it, you can't buy such information.

When Li Chaoren talked about the conversion of Huangpu Dockyard into commercial real estate, the prices of industrial, non-industrial, and residential land that Yin Jun told him were obtained from these materials.

In addition, after the information compiled a few days ago, Yin Jun felt that there was another aspect worth paying special attention to, that is, the financial industry in Xiangjiang.

As of December 31, 1980, there were 113 banks, 1,033 branches, and 302 deposit-taking companies in Xiangjiang -- U-Ming Marine Finance Company, which was exposed by the "Kirin Daily" in November, was one of the deposit-taking companies, and these companies were all foreign banks' business institutions in Xiangjiang, but they did not obtain banking licenses, so they used this method to do business.

If you calculate carefully, there are a total of 415 banking institutions in such a small place as Xiangjiang, which is really jaw-dropping.

Never before in the history of the world has there been so many banks in business.

In particular, the area of Xiangjiang is only more than 1,000 square kilometers, which is the largest density in the world.

Of course, if you look at the scale, the number of banks and depository companies in the scale is actually only about 50 combined, and the rest are not very large, and even some banks only have one or two branches.

In a few years, after the mergers and acquisitions of giants such as HSBC, Standard Chartered Bank, Huaguo Bank, Industrial and Commercial Bank of China, and Nanyang Commercial Bank have begun, and when the model of deposit-taking companies is relaxed, the number of banks and financial institutions in Hong Kong will be reduced to about 120, which is still two-thirds less than the current 415.

Do you think Hong Kong needs so many banking and financial institutions?

Of course not!

Generally speaking, five or six banks and hundreds of branches are enough for the people of Xiangjiang.

But why are there so many financial institutions in Hong Kong, and why can they still survive?

The reason is simple.

Many of them are engaged in not simple bank deposit and loan business, but many financial derivatives business, and even financial investment and speculation business.

As one of the world's financial centers, Hong Kong's influence can radiate throughout Asia.

This is also a great thing, Singapore has worked hard for so many years, but it has not been able to snatch this position from the hands of Hong Kong.

But in this era, in the early 80s, so many banks and deposit-taking companies, they did not rely on as many various investment and money-making methods as they did later, and mainly relied on the jaw-dropping land market and real estate speculation.

Compared with 20 years ago, Xiangjiang's industrial land has increased by 280 times, non-industrial land has increased by 74 times, and residential land has increased by 82 times.

Banks and deposit-taking companies, etc., have played a very disgraceful role in it, and they are very important promoters.

On the other hand, the continuous and crazy rise in land and housing prices in Xiangjiang has also brought more banks and financial institutions to settle in Xiangjiang and want to get a piece of the pie, so there is such a huge scale of 415 financial institutions.

Such a deformed financial model must bring extreme chaos.

For example, illegal loans, illegal deposits, misappropriation of reserves, and participation in land speculation...... Wait, these things are not ready to do, but are already doing them, and they are getting crazier and crazier, more and more out of line.

As a result, when the land and real estate crisis occurred in the next two years, the banks and financial institutions could not hold on at all, triggering round after round of bankruptcy frenzy, and hundreds of bankruptcies in one go, which is really shocking.

With such a big premise, you can know why Yin Jun is so cautious about the loans of Heung Kong Commercial Bank.

If Yin Jun does not have a better source of profit in the next two years, then the loan of 500 million US dollars may not be repaid, which is a potential threat to Xiangjiang Commercial Bank.

Therefore, even in order to make this Chen Youhan, who has always supported him, Yin Jun has to work hard to make money and repay the loan.

HSBC, by contrast, has no such concerns.

Don't say it's $2 billion, if you borrow another $2 billion, it won't make a difference to them.

There are 415 banks and financial institutions in Hong Kong, right?

But HSBC alone occupies half of the deposit quota in Xiangjiang, do you say that the cow is not a cow?

Unless Xiangjiang collapsed, no one believed that HSBC would fail, so any financial turmoil and run on the bank never said that there was a long queue at the door of HSBC, and every time HSBC paid to save the bank.

Therefore, Yin Jun's large loan in HSBC is partly because they are the only ones who can borrow so much, and they have the courage to lend Yin Jun so much, and on the other hand, because there are definitely great benefits to cooperating with HSBC.

HSBC's position in Hong Kong is not comparable to that of Hong Kong Commercial Bank.

Such a position is not only reflected in their strong financial strength, not only because they are one of the three note-issuing banks, but also in their influence on government financial institutions.

There is a famous saying in Xiangjiang.

Hong Kong is not in the hands of the Hong Kong government, but in the hands of HSBC and the Jockey Club.

Much of the Club's influence lies in the government's budget and its vast network of social connections.

As one of the note-issuing banks, HSBC's influence is even more brutal, which is directly reflected in all finance-related matters.

They can influence all of Hong Kong's financial policies and regulations, including the affairs of the stock market.

This is simply the Federal Reserve of Hong Kong!

No, more powerful than the Fed!

Yin Jun knows.

Five years later, Hutchison Whampoa acquired Heung Kong Electric Group, which was not in compliance with the regulations, but with HSBC on the side, Heung Kong Bu Zheng did not make a public offer to Cheung Kong Group.

Two years later, Hutchison Whampoa spun off the non-electric business of Heung Kong Electric to form Cargo Services, but it increased its stake from 23 percent to 53 percent, seriously exceeding the 35 percent red line stipulated by the Hong Kong Stock Exchange, but was also exempted from the public offer.

Subsequently, Li Chaoren made a beautiful move, increasing his stake in Cheung Kong Group to 37%, and at the same time, Cheung Kong Group increased his stake in Hutchison Whampoa to 36%.

This is the strength of Li Superman, this is the power of HSBC!

Would you like to try it out again?

I'll just beat you down!

It is precisely because of Li Chaoren's example that many super-rich people in Xiangjiang later learned from him and exchanged terms with HSBC to obtain their own improper stock holdings and enhance their control over the group.

The more shares they hold, the more places they can operate, and the more they can control the ups and downs of the stock at any time.

The only ones who suffer are the ordinary investors and shareholders at the bottom.

Yin Jun will never defraud these little people of their money.

However, if your own company is listed in the future, you can increase your controlling stake through HSBC, which is a great thing.

Many people say that Yin Jun's control is very strong, but this is actually true.

He doesn't want the story of big capital driving entrepreneurs away directly after 30 years to happen again in his own company.

What's more, there is no second person in this world who knows how to succeed better than Yin Jun.

If you want to make Chinese entertainment an existence that can compete with Hollywood, teenagers can only rely more on their own decisions!

……

(I wanted to write 10,000 words today, but I really didn't write it, sorry, sorry!)

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