TAT is a coffee shop located in Central, Hong Kong. It is famous for serving the most famous coffee in Hong Kong.
Xiao Qi actually doesn't like drinking coffee, but he does like milk tea, so he ordered a cup of ordinary milk tea.
Well, spending NT$299 is indeed a high price in Hong Kong.
Looking at the price list written here, the four bodyguards who followed him in felt a little achy when they shouted for the cheapest drink. They wished Xiao Qi could just cash it in and they would wait at the door.
It's a pity that at the beginning, you have to protect your boss every step of the way, so this money can only be wasted.
There were not many people in the coffee shop at this time. The employees looked at Xiao Qi and then at the several fierce bodyguards sitting around him, wondering if they should be a little cautious secretly. If anything went wrong, they would immediately report
Just call the police.
That is to say, Xiao Qi was too handsome and handsome, and too young, so several Hong Kong waiters chatted for a long time, thinking that he was probably a wealthy man from the mainland and his bodyguards, so they gave up a little bit of their worries.
After a while, a tall, slightly bald, middle-aged man hurried into the coffee shop. When he saw Xiao Qi, a bright smile appeared on his face.
After the middle-aged man ordered a cup of coffee, the waiter breathed a sigh of relief. If another person came with a bodyguard, I'm afraid there would really be a fight today.
"Qi Shao! I'm so sorry! I just had a meeting upstairs and was delayed for a while. You've been waiting for a long time!" the middle-aged man said with a smile.
Although he is a bank boss who is in charge of tens of billions of funds, and although he is in charge of the work and destiny of thousands of people, he has no airs at all in front of Xiao Qi.
He didn't dare to have any airs.
Xiao Qi smiled slightly. "President Yu, I haven't seen you for a few months, but you are getting more and more energetic!"
The middle-aged man also responded with a smile: "Isn't it strange that you have taken care of me? Our business at China Merchants Bank has made great progress in the past few months! Even the super big banks in foreign countries know that it is our China Merchants Bank that has taken on the responsibility of Fairy Company."
What about the exchange business!”
The middle-aged man was none other than Yu Minwei, the vice president of China Merchants Bank. In April, he flew directly to Chengdu and snatched Xiao Qi's US$40 billion exchange business from the hands of the four major banks, China Agricultural and Industrial Construction Bank.
The banking industry in China was shocked. It was known as "the tiger's mouth seizes food" in history, and it also gained a reputation at home and abroad.
As a result, Yu Minwei became the most popular person in China Merchants Bank. It is said that when the old president was preparing to retire in two years, he directly handed over his position to him.
Although China Merchants Bank is affiliated to China Merchants Group, it needs to be reviewed and approved by superiors. But don’t forget that China Merchants Group is also a state-owned enterprise under the State-owned Assets Supervision and Administration Commission. Needless to say, the relationship between the director of the State-owned Assets Supervision and Administration Commission and Xiao Qi was at that time.
Does anyone dare to block Yu Minwei, who has a good relationship with Xiao Qi, from ascending to the throne?
Yu Minwei is a very ambitious person. He is eager to make greater achievements than the old president, so he has a very adventurous spirit.
China Merchants Bank's traditional sphere of influence is in eastern Guangdong and Hong Kong. For most of my life, I still shuttled between these two places.
Xiao Qi knows one thing, that is, in May next year, China Merchants Bank will sign an agreement with Wing Lung Bank, one of the top ten banks in Hong Kong, to purchase 53.1% of its shares at an unprecedented high price of 19.3 billion Hong Kong dollars. And later
The compulsory acquisition began in the first half of the year, and it was delisted in January 2009 and became a wholly-owned subsidiary of China Merchants Bank.
Judging by time, the two banks will have started negotiations by now.
In terms of the acquisition itself, in the Hong Kong banking industry, China Merchants Bank is actually a real victim, because their bid was 2.9 times the book value of Wing Lung Bank at the end of 2007. The Wu family, which owns 53.1% of the shares, simply made a huge profit.
Already.
After that, many family banks were interested in selling their shares to mainland banks, but then came the world financial crisis, and the expansion of mainland banks came to an abrupt halt, so none of them were sold, but they were cheaper.
The Wu family is just one family.
Xiao Qi actually has no interest in the banking industry.
Fairy Company itself has strong cash flow, which is equivalent to a bank. It does not need any financing or loans.
However, Xiao Qi has recently begun to prepare for the logistics industry and Xiaoyao Mall, so it is inevitable to build a third-party payment platform.
The third-party payment platform, expressed in the most popular language, is a fund custody account.
Usually in online shopping, since the credit between buyers and sellers is difficult to guarantee, the website hosting the transaction stipulates that the funds paid by the buyer are temporarily held in trust by a third-party account with public credit. The funds will not be released until it is confirmed that there is no problem with the transaction.
It will be transferred from the third-party account to the seller.
Usually, this third-party payment platform with public credit is not a private account because it is a form of credit guarantee, but a company account.
The third-party payment platform first appeared in the United States and was called PayPal. In China, it was called Zifubao. Later, Tenpay, Lakala and the like appeared, but the meaning is the same.
However, in China, with more and more online shopping, the daily payment amount managed by Zilibao has reached hundreds of billions, and many small third-party payment platforms have also emerged, absorbing a large number of
Cash can easily lead to financial risks, which has attracted the attention of China's banking regulatory agencies.
In order to regulate this third-party payment platform, the People's Bank of China stipulates that it must issue a third-party payment license. Only companies and institutions with this license can take custody of cash payments, otherwise it will be illegal.
Later, the payment amount of Zifubao reached hundreds of billions or even trillions, which made Ma Yun frightened. He also felt that it was a waste to put so much money in the bank's capital account.
I learned PayPal’s fund model and made a Yu Wo Bao.
Ma Yun made a fund from the funds that users voluntarily deposited into Yu Wo Bao, used this fund to make various investments, and paid Yu Wo Bao's customers ten times or even dozens of times interest on their current bank deposits, thus absorbing
A large amount of capital was invested, which diverted idle funds from banks and caused a lot of controversy.
With the glorious scale of Zifubao reaching trillions, there is nothing to be surprised about.
But more importantly, after Tifubao binds many people's payment bank accounts, it has become a new payment method with huge market potential.
To put it simply, if you don’t understand the payment form of Zifu Bao, you can think of Zifu Bao as a credit card such as JCB, VISA, etc. It is actually a new type of credit card, and it is a credit card in the Internet era that adapts to the times.
It goes without saying how much money JCB and VISA make, right?
If it develops in the form of Zipay in the future, the prospects of making money will be at least ten times that of them!
From this you can know how big the cake is!
Since he is engaged in online commerce, Xiao Qi will naturally not miss this big cake. Moreover, he now knows that Tifubao has a fatal weakness, that is, it does not have a banking institution of its own and can only rely on China Agricultural and Industrial Construction Fourth Engineering Co., Ltd.
to develop large commercial banks.
If you rely on your own bank to do this Talipay business, you will not be in danger of being repeatedly supervised and restricted by the state, but you will also have more protection and will not be severely constrained.
It was precisely because of these many benefits that Xiao Qi decided to acquire a bank of his own!
There are many banks in China, such as small and medium-sized commercial banks in various cities, such as Capital Bank, Oriental Bank, Chengdu Bank, etc., all of which are very good.
But the problem is that they are fully domestically owned banks, and it is absolutely impossible to allow private holdings or even full ownership.
Therefore, Xiao Qi chose to acquire banks in Hong Kong.
Anyway, after 2008, Hong Kong-funded banks received approval from above and began to develop continuously in the mainland.
Hong Kong-funded banks are not subject to as many restrictions as foreign-funded banks, and they can still enjoy a lot of the benefits of foreign-funded banks. They are really the best choice!