M1979 :: Volume #3

#240: Banking industry

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Huang Bingxin's banking industry to Hong Kong knows from A to Z, only listens to him saying that „the development of Hong Kong Banking industry is mainly nearly dozens years, since especially the 50's, Hong Kong had been through repeatedly two significant economic transformations, emerging of labor concentrated industry \; Second, recent 78 years, during labor concentrated industry going north inland, financial, shipping and rising of trade contour value-added service industry. This economic transformation all has had twice the long-term enormous demand to fund, thus has brought time and time again the important opportunity for the development of Hong Kong Banking industry. Everybody described the boom of Hong Kong Banking industry: Bank many meter/rice shop.” 黄炳新对香港的银行业了如指掌,只听他道,“香港银行业的发展主要是近几十年,特别是五十年代以来,香港历经了二次重大经济转型,劳动密集型产业的兴起\;二是最近78年,在劳动密集型产业北上内地的同时,金融、航运、贸易等高增值服务产业的崛起。这两次经济转型皆对资金产生了长时间的巨大需求,从而为香港银行业的发展带来了一次又一次重大机遇。大家都形容香港银行业的荣景:银行多过米铺。” Li He said, „this I know, this street less than several hundred meters is a bank, as numerous as the hairs of an ox.” 李和道,“这个我知道,这条街不到几百米就是一家银行,多如牛毛。” „In 1978 Hong Kong government relaxed the bank charter limit, making the massive foreign banks flood into Hong Kong to start doing business, including the overseas investment bank of many Southeast Asia Chinese \; In 1982 abolished deposit in foreign currency interest tax, making so much international capital classes return to Hong Kong again. Arrived today, has been able not to exaggerate said, Hong Kong is the Asia-Pacific region international financial center. But competes unceasing intensifying that along with Hong Kong Banking industry, most of them by the foreign capitals and domestic capital big line of purchases or the annexations, or are in the dying edge.” “1978年港府放宽银行执照限制,使得大量外资银行涌入香港开业,其中包括不少东南亚华人的侨资银行\;1982年撤消外币存款利息税,使得大量国际资金重新流回香港。到了今天,可以毫不夸张的说,香港已经是亚太地区国际金融中心。但随香港银行业竞争的不断加剧,它们中的大多数都被外资及内资大行收购或者兼并,或者正在处于垂死边缘。” The formation of Hong Kong International Financial Center first is a natural development process. In the 60's Hong Kong becomes an Asia-Pacific region important transit trade center, expands through Hong Kong international deal size unceasingly, the trade funds and magnificence remittance from those living abroad receipts of this forming constituted the Hong Kong important fund source. In the 70's, Hong Kong in becoming a foundation of important syndicate loan center developed to become the offshore financial center gradually. 香港国际金融中心的形成首先是一种自然发展过程。六十年代香港成为亚太地区一个重要的转口贸易中心,通过香港进行的国际交易规模不断扩大,由此形成的贸易款与华侨汇入款构成了香港重要的资金源。七十年代,香港在成为一个重要的银团贷款中心的基础上逐渐发展成为离岸金融中心。 „Aren't the scales of these banks small?” “这些银行的规模都不小吧？” In the idea of Li He, where tens of billions have not felt all right with the person said oneself opens the bank. 在李和的观念里,没有个几百亿哪里好意思跟人说自己是开银行的。 Huang Bingxin continues saying that „in September, 1982, Madame Thatcher went to the mainland to negotiate, Hong Kong magnificent capital Hang Lung Bank had bank run, 83 years of Tsunetaka took over control of by the government finally, Hong Kong government infused 1.7 billion HK dollars fund from the foreign exchange fund, has saved Tsunetaka, for the purpose of avoiding the crisis expanded. As a result of the exaggeration of media, the confidence crisis of Hong Kong aggravates more and more, walks the capital becomes the tide, at the beginning of 1983, „ a HK dollar crisis „ eruption, the market rumor rose from all directions, the hearsay by the Renminbi substitution HK dollar, the Hong Kong dollar will drop, the people threw in abundance exchange the Hong Kong dollar, 7 accepted the deposit company to go out of business, was also in danger including filthy rich Sun Hung Kai Bank. So far the magnificence Capital Bank almost army of Hong Kong registration completely does not have. 27 magnificence Capital Banks, or change thought that either accepts the foreign capital big bank to hold share, only the remaining Vinh Long and other maintain completely independent. Wing Lung Bank has for Wu Yisun family, the attitude is consistent. magnificence Capital Bank falls in abundance, Vinh Long is even more overcautious, saves the loan ratio to maintain below 40%. The risk is small, the profit is also small. On this point, is doomed the Vinh Long hard to bring about macroclimate.” 黄炳新继续道,“1982年9月,撒切尔夫人赴大陆谈判,香港华资恒隆银行发生挤提事件,83年恒隆最后被政府接管,港府从外汇基金注入1700000000港元资金,拯救了恒隆,旨在避免危机扩大。由于传媒的渲染,香港的信心危机愈来愈加重,走资成浪潮,1983年初,“港元危机“爆发,市面谣言四起,传闻将会以人民币取代港元,港币狂泻,人们纷纷抛兑港币,7家接受存款公司倒闭,包括财大气粗的新鸿基银行也告急。到目前香港注册的华资银行几乎全军尽没。27间华资银行,或易帜,或接受外资大银行参股,只剩下永隆等34家保持完全独立。永隆银行为伍宜孙家族拥有,作风一贯稳健。华资银行纷纷落马,永隆愈加谨小慎微,存贷比率一直维持在40%以下。风险小,盈利亦小。就这一点,注定永隆难成大气候。” Li He has to look at one to Huang Bingxin high, this kind of ordinary customer manager can be familiar with the banking industry unexpectedly, it seems like is really the chest has the person of mound gully, he is because in hand really unmanned, is thinking digs to assemble is using, now seemed like picking. 李和对黄炳新不得不高看一眼,这样一个普通客户经理居然能对银行业如数家珍,看来确实是胸有丘壑之人,他本来是因为手里实在无人,想着挖过来凑合着用的,现在看来是捡着了。 „You think that which bank I do acquire?” “那你想我收购哪家银行？” „Hong Nin Bank!” Huang Bingxin said is very anxious, „Mr. Li, I thought that opportunity must not be lost loses no longer comes, if you acquired the Hong Nin Bank to you simply are even more powerful. The bumper year controls for the Taishan Li Bingchao family, the scale is very small, at present only then 4 branches, are an amount reach as high as because of a shipping 1.6 billion HK dollars shipping loans are insolvent at present, creates the serious bad account. The bumper year has to cast aside the tent/account largely, causes the paicl-up capital and backlog reduces to 1.3 billion HK dollars by 2.6 billion HK dollars. The bumper year loses money 9.7 billion HK dollars, causes this small bank faced with the total destruction. Other day Hong Kong government announced that control Hong Nin Bank, will mobilize the foreign exchange fund, was aided financially by the Standard Chartered Bank association supervises the special commissioner to manage the bumper year. Several banks intend to purchase bumper year, but the price has not come to an arrangement.” “康年银行！”黄炳新说的很是急切,“李先生,我觉得机不可失失不再来,如果你收购了康年银行对你来说简直是如虎添翼。康年为台山籍的李炳超家族所控有,规模很小,目前只有4家分行,目前因一笔船务为一笔数额高达1600000000港元的船务贷款无力偿还,造成严重坏帐。康年不得不大幅撇帐,使实收资本及储备金由2600000000港元减至1300000000港元。康年亏损9700000000港元,致使这家小型银行面临灭顶之灾。日前港府宣布接管康年银行,将动用外汇基金,由渣打银行协助银监专员管理康年。有数间银行有意收购康年,只是价钱未谈妥。” „Can a bad account go bankrupt?” “一笔坏账就能破产？” This bank small command Li He is a little inconceivable, 1-2 hundred million losses can go bankrupt, simply weak chicken does not make sense. 这家银行小的令李和有点不可思议,一两个亿的亏损就能破产,简直弱鸡的不像话。 „A bank big pile of Hong Kong likely this type of small scale, bumper year most valuable is not the bank asset, but is the bank charter! Mr. Li, if after error opportunity, met again. According to your current financial resource, takes the bumper year issue not to have.” “香港像这种小规模的银行一大堆,康年最值钱的不是银行资产,而是银行执照！李先生,如果错失这次机会以后再遇到了。依你目前的财力,拿下康年一点问题没有。” Li He is a little excited, „you estimated how much money needs probably?” 李和有点心动,“你估计大概需要多少钱？” This plays to be very new, he a little anticipated actually. 这个玩起来会不会很新潮,他其实有点期待。 „So long as the capital 300 million HK dollars give bumper year, can make its negative asset value restore the positive, coming out that Mr. Li, this sum of money we take.” “只要注资300000000港元予康年,便可使其负资产值恢复正值,李先生,这笔钱咱拿的出来。” Huang Bingxin two shining looks at Li He. 黄炳新两眼放光的看着李和。 „Or and other after October, when the time comes do not say that purchases one, purchases ten money also to suffice.” Li He temporarily does not want to occupy too many funds. The critical moment he discovers money to using side Henshao. “要不等十月份以后,到时候不要说收购一家,收购十家的钱也够。”李和还是暂时不想挤占太多资金。关键时刻他才发现钱到用时方恨少。 Huang Bingxin was anxious, „Mr. Li, as far as I know, the first peaceful industry of Lin family, the Chinese-funded company in Shenzhen, the native company in Hong Kong eyes covetously. Other families/home did not say, first said Lin, Sudono Salim is the Indonesian richest family, in the world Chinese rich and powerful people list, Sudono Salim at least arranges first ten. If he staring, we simply did not have the opportunity. So-called who strikes the first blow has the advantage, we must grasp.” 黄炳新急了,“李先生,据我所知,林氏家族的第一太平实业,深圳的中资公司,香港的本土公司都是虎视眈眈。其他家不说,先说林氏,林绍良是印尼首富,世界华人富豪榜上,林绍良至少排前十。他要是盯上了,咱们根本没有机会。所谓先下手为强,咱们必须抓紧了。” Li He has lit a cigarette, clenches teeth saying that „you prepare a feasibility to report, if, we bought.” 李和点了一根烟,咬咬牙道,“你准备一份可行性报告,如果可以,咱就买了。” Perhaps opportunity, only then one time, the opportunity strives by oneself diligently, but will not be he stands in a place opportunity will pound to him. If his very lucky opportunity pounded really to him, but he actually did not treasure. The opportunity did not have, indeed also has the next time. 也许机会真的只有一次,机会是靠自己去努力争取的,而不是他站在一个地方机会就会砸向他。如果他很幸运机会真的砸向了他,而他却不珍惜。机会没有了,的确还有下一次。 „Mr. Li, you could rest assured that I take the report in the evening to you.” “李先生,你放心,我晚上就把报告拿给你。” Li He said, „does not need to worry.” 李和道,“不用那么着急。” „Mr. Li, I first walked.” Huang Bingxin actually disregards arches Li He to make this purchase wholeheartedly, performance is more anxious than Li He. “李先生,那我先走了。”黄炳新却是不管不顾一心拱着李和做这一次收购,表现的比李和还要急切。 In several people with room greeted one, turned around to walk. 跟房间里的几个人招呼了一声,转身就走了。 Shen Daoru said, „Mr. Li, I thinks this to us, really is also an opportunity.” 沈道如道,“李先生,我觉得这对我们来说,真的也是一次机会。” If must purchase, definitely is beyond the big name, when the time comes profits he. He naturally also hopes that Li He purchases, even if the bank manager is not he, is on his name card at least many reputations of bank directors, is completely is also different in the social position. 如果要收购,肯定是以远大的名义,到时候受益的还是他。他当然也希望李和去收购,哪怕银行经理不是他,可是他的名片上至少多个银行董事的名头,在社会地位上又是完全不一样了。 ” Do you also think feasible? „ ”你也觉得可行？“ Shen Daoru this person in the Li He eye is the conservative faction, so was when radical. 沈道如这个人在李和的眼里算是保守派,什么时候也这么激进了。 ” Mr. Li, acquires the bank in Hong Kong is not the flash news, is not something new. „ ”李先生,在香港收购银行并不是什么大新闻,更不是什么新鲜事。“ Shen Daoru knows that ill-informed of inland, he thinks Li He does not know these are purely normal. 沈道如知道内地的消息闭塞,他认为李和不知道这些纯属正常。
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