章節 798: Chapter 798: Two new members join the banking camp
Thinking of the sudden thought that came to his mind, Feng Jingxi was a little apprehensive in his expectations. He took a deep breath and said slowly, 'Xia Sheng should have heard of my dream. I have always hoped to own a bank.'
Xia Yu nodded slightly, indicating that he had heard about it, and continued to look at Feng Jingxi, waiting for him to continue.
Feng Jingxi sighed with emotion and continued, 'But I, Feng Sheng, was born at the wrong time. After I entered the financial industry, the Hong Kong government's control over licenses was very strict. For nearly twenty years, from the 1960s to the present, no bank licenses have been issued.'
'I have thought about buying a bank before, but all the owners of healthy, first-class licensed banks are unwilling to sell, and they are all guarding against me. Furthermore, thanks to the prosperity of Sun Hung Kai Securities, my Sun Hung Kai Finance Company has also been able to attract deposits without any problems. Therefore, I don't even look at second-class banks with restricted licenses.
'I have approached the Hong Kong government no less than ten times to apply for a licensed bank license, but I have been unsuccessful. The Hong Kong government just won't approve my application. I know that ultimately, it's because I don't have enough clout.'
'So I want to ask Xia Sheng to invest in my Sun Hung Kai Finance company and then help me out and get a piece of the licensed bank license.'
After saying this, Feng Jingxi looked at Xia Yu with burning eyes, and his heart grew more and more excited.
Xia Yu was truly surprised. He had never expected Feng Jingxi to be planning such a collaboration, which was completely paying him a visit.
The Sun Hung Kai Finance Company asked him to invest, and even if it was upgraded to a bank, it would still belong to the Jiuding Bank camp, which would be equivalent to a disguised increase in Jiuding Bank's influence.
For Xia Yu, this was definitely a good thing with no disadvantages, and he had no reason to refuse.
Xia Yu smiled faintly and asked, 'Feng, you have to think this through. Aren't you afraid of inviting the wolf into the house? It's rumoured that I, Xia Yu, am a glutton who only takes in and never gives back, and a wolf who wants to bite everything he sees.'
Feng Jingxi laughed heartily and said, 'Xia Sheng, I've thought it through. I'm willing to offer you 30% of my equity. People outside don't know the situation, so they're just spreading rumours. I'm not afraid that you'll eat me up. You wouldn't do that to a friend.'
Xia Yu looked at him deeply and laughed, 'You understand me. I've always been friendly to my friends.'
Xia Yu said firmly, 'Since you've already made up your mind, then no problem. I'll get you the banking license. I'm sure MacLehose will give me face.'
Feng Jingxi was suddenly beaming with joy, and said happily, 'In that case, Xia Sheng, there's no better time than today. We still have time today, so I'll transfer the equity to you first.'
Feng Jingxi was seizing the opportunity to show his stance, trying to win more favour with Xia Yu. As for whether Xia Yu could handle it, Feng Jingxi was completely at ease.
In his opinion, among all the Chinese in Hong Kong, Xia Yu was definitely the one who could best handle MacLehose. This was a result recognised by almost all the Chinese tycoons.
Not only was Xia Yu now the strongest consortium in Hong Kong, but it was also widely rumoured that Xia Yu had extremely powerful connections in the UK and was closely connected to the ruling party. As a governor appointed by the British government, MacLehose definitely dared not offend Xia Yu.
Not to mention that the Hong Kong government has not issued a licensed bank license for 20 years, even if it had not issued one for 40 or 50 years, in Feng Jingxi's opinion, as long as Xia Yu personally intervened, he would be able to get it done.
When it comes to licensed banks, we have to talk about the three-tier banking system in Hong Kong.
The existing local banks in Hong Kong were all established before the 1960s. After the 1960s, the Hong Kong government felt that there were too many banks in Hong Kong, which led to great instability in the financial market and high risks, so it directly stopped issuing bank licenses.
In 1970, in order to regulate the financial market, a three-tier banking management system was established, dividing financial companies into three types of financial institutions: licensed banks, restricted licensed banks, and deposit-taking companies.
Before 1970, there were only licensed banks.
Among them, Sun Hung Kai Finance was the lowest-end deposit-taking company.
If Xia Yu had not appeared, Sun Hung Kai Finance would have had to wait until 1982 to be granted a licensed bank license, and Sun Hung Kai Bank would have become a licensed bank only, becoming the first local bank in Hong Kong to be approved for establishment since the 1960s.
But if Xia Yu had interfered, then the time would definitely have been greatly advanced.
Then Xia Yu and the others continued to chat over tea while Feng Jingxi's subordinates drafted the equity transfer contract.
As for the transfer price, it was easily negotiated.
Although Sun Hung Kai Finance had total assets of HK$2 billion, the money was basically the investors' and the company was operating extremely well, so the price was set at HK$200 million.
Jiuding Bank contributed HK$60 million and obtained 30% of Sun Hung Kai Finance's equity.
After the deal was done, it was already 5pm. Seeing that it was getting late, Xia Yu picked up his teacup and drained it in one go, then got up to say goodbye.
'Feng Sheng, it's getting late, I'll go home first. Don't worry about the licence, I'll go see MacLehose tomorrow and try to get this done.'
Feng Jingxi also got up and said with a smile, 'Xia Sheng, then I'll trouble you.'
'You're being too formal. What do you mean by trouble? We're partners in the same boat, and this is what I should be doing!' Xia Yu laughed.
Feng Jingxi laughed happily, and then said, "Xia Sheng, I'll see you out!'
After waiting at the door, Xia Yu stopped and shook Feng Jingxi's hand, saying, "Feng Sheng, don't see me out. My car is over there. I'll come again next time I have time.'
'Okay, then see you next time! Have a safe trip!'
'Goodbye!'
After seeing Xia Yu's black Rolls-Royce Phantom leave, Feng Jingxi took a deep breath and a look of expectation appeared on his face.
Although he had lost 30% of his equity in Sun Hung Kai Finance, Feng Jingxi did not regret it, because he knew that he could get even more.
As long as he was upgraded to a licensed bank, the shackles of Sun Hung Kai Bank would be lifted. With the aura of Jiuding Bank, the business of Sun Hung Kai Bank would definitely skyrocket. Although he had less equity in his hands, it was even more valuable.
More importantly, it will have a strong reinforcing effect on his Sun Hung Kai Securities. After all, as a securities company, it definitely needs the support of a bank. The stronger the bank, the greater the support for Sun Hung Kai Securities.
Of course, although these two are important, they are not the most important. In Feng Jingxi's opinion, getting on Xia Yu's boat is the most important thing.
Now let's take a look at Bao Yugang and Huo Yingdong. They have developed extremely rapidly in recent times. Combined with the changes of last year, their strength has become deeper and deeper, and they have begun to show a trend of pulling away from other Chinese tycoons.
Those who care have carefully analysed the root cause of all this and found that it lies in the fact that Bao Yugang and Huo Yingdong are in the same gang as Xia Yu. Whenever Xia Yu has an advantage, he can't forget about them, which is why their strength has inexplicably skyrocketed.
Therefore, it has long been rumoured that the best way to succeed in business is to get in touch with the stock god Xia Yu and get on his boat, which is the fastest and surest way.
Feng Jingxi also knew that Xia Yu treated him less favourably than Huo Yingdong and Bao Yugang, and he knew the reason for this, but he was unable to deepen his cooperation with Xia Yu due to a lack of opportunities.
This time, Xia Yu came to him, and Feng Jingxi seized the opportunity.
Although the gossip mags reported from time to time that Xia Yu had stolen his title as the 'Stock God' and that he harboured a grudge, this was all unfounded.
In his opinion, the media's conferral of the title was nothing more than empty fame. He was not at all vain, and he preferred the growth of strength to such vanity.
Any intelligent person would make the same choice!
...
After returning home, Xia Yu instructed Liu Tianci to put the two shares in a safe place, and then instructed Liu Tianci to appear in public as the absolute controlling shareholder to take over Dao Heng Bank tomorrow, and to convene a shareholders' meeting to acquire the shares held by other shareholders.
If a peaceful takeover is possible, that would be best. If not, then simply dilute the other shareholders' stakes through forced capital injections, or even allow other business methods to be used.
In short, there is only one requirement: Dao Heng Bank must become a wholly-owned subsidiary of Jiuding Bank.
The next day, Xia Yu visited Hong Kong Governor Murray MacLehose.
This time, MacLehose received Xia Yu with great respect, clearly having ascertained the extent of Xia Yu's influence in the UK.
Xia Yu was not arrogant, which made MacLehose like him even more.
As for Xia Yu's request for a banking licence, as he had expected, MacLehose readily agreed.
Moreover, MacLehose was very decisive, and that afternoon, he had the Monetary Authority sign an agreement with Sun Hung Kai Finance, granting Sun Hung Kai Finance a licensed banking licence in record time.
Although Feng Jingxi had expected success, he had not expected such efficiency. He was stunned. In addition to being shocked, he also realised that he had underestimated Xia Yu's influence, and he was even more grateful for his choice.
Early the next morning, major media outlets in Hong Kong reported the incident, especially the newspapers under the Jiuding News Corporation, which devoted a lot of ink to publicising the incident. The upper echelons of Hong Kong were shaken, and Feng Jingxi's phone never left his hand that day, and he couldn't stop smiling.
The general public also instantly learned about Sun Hung Kai Bank, and many people were looking forward to the day when Sun Hung Kai Bank was officially established to see if there would be any opportunities or preferential policies.
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