Chapter 116 Entering the Banking Industry

"The registered capital of a bank requires HK$1 million, and a fixed proportion of money is required to be transferred to the account of the Financial Management Bureau every month. The registered capital of the bank only requires 100,000 yuan."

"In addition, the interest rate of money shops is high and the interest rate of banks is low. Most Chinese depositors still like to exist in money shops." Qiu De even had a relative who opened a money shop in Shanghai, but he had a certain understanding of the banking industry. Since he was in charge of the accounting company, he has a deep understanding of the banking industry in Hong Kong and has taken the initiative to inquire about relevant information.

Historically, he became the industry of big bosses of the Far East Group by founding the "Far East Bank" and the chairman of the Far East Group has also become his biggest golden sign.

He Dingxian heard that Qiu Degeng's speech was very tactful, but he didn't even have the capital to register a bank. Currently, Hong Kong Island Bank is still a private place for major overseas banks. Apart from a few outstanding talents, no one can get involved.

In addition to the different groups of depositors targeted, money banks and banks actually rely on credibility to endorse, and the storage method is roughly the same.

In the era when there were no electronic systems and ATMs, we went to banks and banks to deposit and withdraw money, either using paper accounts, checks, etc., or using bank notes from banks. There is no essential difference between the two. Banks have registered checks, bearer checks, bank promissory notes, and bank notes. The Hong Kong dollar itself is a kind of "bill of exchange" endorsed by the Hong Kong government with credibility.

The Hong Kong government itself does not print Hong Kong dollars. The three major banknote issuing banks need to purchase "interest-free bonds" of the Hong Kong government's foreign exchange fund to obtain the printing amount, commonly known as "how much foreign exchange is paid" and cannot have any moisture. It is equivalent to giving up the "water injection right" of government money printing, which is also an important reason why the Hong Kong dollar has always been strong.

Currently, the three major banknote issuance activities in Hong Kong are "Standard Chartered", "HSBC" and "benefit". The former banknote issuing bank also had "Tongfan Huili Bank" and an all-British bank coming to Hong Kong from India. However, due to failure in financial operations, it closed down due to the loss of Ceylon coffee and was acquired by HSBC Bank to go public through a backdoor listing. In other words, HSBC itself has no right to print money, but just stole the chicken of "Huilai Bank".

The bank is also a British-owned background and will lose its right to issue money in the future and be replaced. Only HSBC is a mixed-race capital of many countries such as British, American, German and other countries. It will continue to increase its shares in the future, replenish its Chinese capital, and even state-owned backgrounds, and will continue to grow until the next century.

He Dingxian looked at the master in front of him and smiled, "Brother Li, are you interested in setting up a money shop together?"

Qiu De even sneered and thought to himself: "If there really is one day, I will not go back to the ten-mile foreign market and be the president of Oriental Bank, it will be much more powerful than being a comprador of a foreign company. It can be played on for generations! I will be a wealthy family when I call it out."

Qiu Degeng's face changed again and again, his eyes were very complicated. He took his eyes back after a long time and nodded heavily: "I will learn from him."

"You just need to remember that on Hong Kong Island, what Mr. Ho likes is sooner or later, Mr. Ho's belongs to him."

"The Chief Inspector Hua must have, and the Inspectors must have, too. This will take five years to a length of ten or twenty years. As long as the power of the Inspector Hua is still there, the reputation of the money shop will be guaranteed, and everyone will have to make a profit."

Yongxing Tea Restaurant.

Money shops are destined to be able to make small fuss in Hong Kong, but banks can do all over the country and overseas. From the 1950s to the 1960s was an era of rising banking. Because of the connection between shipping and real estate, financial demand was strong. The banking industry had no stagnation in the decades. In addition, after the reform of the mainland, Hong Kong Island was destined to use Hong Kong Island as a financial window. In a city known as "Oriental Wall Street", it was too stupid to do money shops and not banks.

Of course, in the era of crazy expansion of the shipping industry and real estate industry, coupled with the international turmoil, financial crisis and other reasons, in the 1960s, 1970s, and 1990s, there were almost stock market crashes and bank bankruptcies. However, with his sensitivity to historical trends, it is not a big problem to appropriately control the scale of investment and avoid financial crises.

He Dingxian also picked up a cigarette and sucked lightly, "Get 50,000 yuan, count your two shares, and the silver account will pay dividends every year in the future."

Although the money shop industry has always had a market in Hong Kong, it will gradually transition to underground money shops in the future, and the business of the business will be seized by banks.

Qiu Degeng said: "Don't worry, boss, I will make arrangements for the accounting and will continue to keep an eye on it in the future."

This is also the reason why "money issuing banks" are always among the top banks in capital.

The lard boy said excitedly and happily agreed: "I understand, big boss."

Those who come out to work are not afraid of their boss being fierce, but are afraid of their boss not having the courage. They will do some small business all their lives and have no future!

The boss bet on his life and his life to rush up, and he has to use his hands to get the chance. Naturally, everyone else has the chance.

"What?"

"Lease another house with a good location and place it in Mong Kok District to decorate the storefront."

"Last time, he raised 2,000 yuan to Taiwan and bought a copyright called "Wolongsheng".

Chen Lili nodded as expected: "That's right, so I have prepared 100,000 yuan long ago and plan to support you."

However, everything was ahead of time that the "campus coil battle" was a great success, otherwise the funds would not be recovered, the interest would not be cashed, and the bank would go bankrupt in minutes.

"You remember me, do I really have to thank you?" Chen Li smiled, and a cigarette was stomped between his fingers, and looked at him: "But you are really good to me. Since you didn't ask me to save money, you asked me to set up a money shop together."

He knows the business vision of the big boss more than anyone else, and believes that since the big boss dares to gamble, he must be sure to win the bet.

"Have you taken care of the big boss!"

Qiu De shook his head even more and nodded again: "Although I didn't say it, it's equivalent to saying it. Dongfang Silver and the big boss's business name are called one."

"How to do it?"

The financial storm of the cycle is essentially a burst of bubbles and some scams are exploded, so that the remaining scams can continue to play...

"That's so simple?"

If he still stayed in the movie shop to work for Shaw's father and son, he would have been a small manager all his life, but now he has transformed himself into a money shop owner.

"There are no brains, there are more smart people in the world." Lard sneered and said in a profound tone: "The smarter people think more, the easier it is to make mistakes and blindly do it. However, there are fewer people in the world who are dedicated, and you lack Akun's heart."

"Did the boss say what the silver name is?" Lard asked suddenly.

Because banks themselves are a financial game, and the system of regular banks is healthier under certain supervision does not mean they will not fall into a "Ponzi scheme".

"The right to issue money" itself is not profitable, but banks with "the right to issue money" are well-known and trusted by citizens, and the speed of attracting deposits is very crazy.

"If you don't have a big shot, or if you are a time-honored brand that has been immersed in the money shop industry for more than ten years, you can often only do some small business of usury and pawning, and then use your reputation to grow step by step."

"Everyone go out and do your business. Leave the deposit to me. Get the following things done quickly. The money house will definitely open within two months."

"Hehe, Master, let's get rich together." He Dingxian handed over a cigarette and said respectfully: "Will you forget you if you have the chance to get rich?"

The size is a piece of meat, and it is impossible to give up easily.

The lard boy had fat on his face and his smile was fierce: "I've been betting on my life. If I succeed, I will soar to the sky. If I lose, I will lose. Let's relax..."

"That must start with me!"

"Tell me something about it. I squatted in that corner and drank Coke. Did Akun, who was reading the newspaper, see?" The lard suddenly glanced at the street and pointed his eyes: "He has been reading newspapers on Taiwan recently, what do you know?"

"But if you want to do this kind of business, just find someone to do it in your jurisdiction. There is no need to make your name." He paused and said with a chuckling: "Since you have made your name, you must attack yourself in the police force."

Qiu De was even more surprised: "You have a brain."

Shanghai Street.

If a large-scale investment fails, the bank fails to operate, and a bank run occurs, a healthy capital chain can be cut off in half. To describe it in a malicious sentence, all financial games are "Ponzi schemes", which are nothing more than simple and complex differences and problems of game characters.

Qiu De even heard this and his hair stood up, his heart seemed to be electrocuted, he was stunned for a moment, and then nodded: "Yes, Brother Zai is right."

"Just remember, this is the mind and ambition of the big boss. Some things are done without the big boss talking about, and they will make the big boss feel more comfortable." Lard is really a clever person. He patted Qiu Degeng's shoulder and finally said: "Congratulations, you have been valued under the big boss. Now it is Oriental Silver, and you may be the boss of Oriental Bank in the future."

Chen Li was a little disbelief and said frankly: "When some people said you wanted to run a money shop, I was thinking, how do you want to make money?"

He Dingxian nodded slowly: "Okay, lard, give 130,000 yuan to Mr. Qiu in the account, and recruit some people to get the money bank started."

"But I didn't expect that I wanted to invest. You are paying attention to the Yau Ma Tae-chae restaurant. Let me tell you what to do."

"I want to invite colleagues from Chaoshan to join the venue, including the Chinese police in Hong Kong as the first batch of customers and the most important batch."

"Because he heard that the big boss wanted to buy the copyright of martial arts novels and learned to buy the copyright as a big boss, but he did not dare to rob the territory of Hong Kong literati with the big boss, so he secretly read the Taidao newspaper. Recently, the Taidao newspaper also began to learn Hong Kong Island serialized martial arts novels."

If Oriental Bank can really do it, it may still have the chance to get the "right to issue money". At worst, it will be like "HSBC" to go public through a backdoor listing. At the least, you can use the identity of a patriotic banker to wait until 97 to buy a license.

He Dingxian set the next time and said slowly: "If you want to enclose the land and fight, compare silver bullets!"

"We'll fight him to the end!"

Although the outside world thinks that lard is a rent collector, he has secretly raised himself to a higher level. The rent collector is just a job, and being a secretary for the big boss is the ideal!

He Dingxian was sitting in the office, thinking that he had already done his job and might be able to run the bank.

Chen Li was wearing a green uniform, putting a police hat on the table, and shouted loudly: "You kid are you really coming to see me?"

He Dingxian did not deliberately conceal the news of opening a money shop, so that when Qiu Degeng was preparing to open a money shop, there were more or less rumors in the business world, and there were many well-informed people in the police world who received rumors.

He Dingxian took the lemon tea to his mouth and took a sip. Fang said, "It's very simple. If the silver figure wants to grow, my signature alone is not enough."

But Lard really thinks that Qiu Den will be more promising than Wu Shihao in the future, but at present, the most promising person under the big boss is still him!

The second is Ni Kun. It’s not that the two have any special abilities, but because they are closest to the big boss. As the big boss’s "secretary" and "driver", they are born with the shadow of the big boss, so they naturally have more prospects than others.

"Yes, big boss." The lard boy, Qiu Degeng and the other two agreed, and got up and left the office together. They had just walked out of the business hall gate. Qiu Degeng looked up at the sky. When he lowered his head, the lard boy hugged his shoulder and said, "Qiu Sheng, you are well-developed!"

He Dingxian nodded slightly: "The accounting team chose a few hard-working people to the bank account, and it is even more impossible to settle accounts when running a money shop. Then choose a trustworthy person to continue managing the accounting company."

If it is a personal business in a certain industry, his personality will definitely be reluctant to take it out, but the banking industry itself is a partnership business.

"In order to gain the trust of the Chinese police, it is best for all colleagues above the detective to take a share. I plan to take out the cake."

Banks have natural advantages in publicity, deposit absorption and investment. Even if they are regulated by the Financial Bureau, their returns are a hundred times larger than those of money banks.

It’s like a war begins, you will get promoted and make money, and the opportunity to be granted a wife and a cute child will come!

"Big Boss, I must handle the bank account carefully." Qiu Degeng said.

"Brother Zai, stop laughing at me. If I didn't fight this battle, I'm afraid I'll have to go to the sea with the boss." Qiu De even shook his head and smiled bitterly.

He Dingxian smiled helplessly: "Everyone knows your relationship with me. If I don't come to save money if I set up a bank account, can you believe me?"

Qiu De swallowed even more, and couldn't help but feel excited.

"HSBC" is a successful representative of capital without borders. It is undoubtedly full of capitalist profit-oriented attributes, but it is undeniable that it is a heavyweight player in the East Asian banking industry.

Now the accounting company undertakes the entire Hong Kong Island area, plus the business in Mong Kok, Sham Shui Po, Yau Ma Tei and Kowloon Tong, and it also costs 10,000 or 20,000 yuan a month.

It is very common for the banking industry to die out with money banks. After the big and small banks exploded, the funds in the account could not be cashed out at all.

Since its inception, we need to have the attribute of "fundraising". Every step of expansion and growth requires continuous increase in stocks. There is no sole proprietorship in the world!

Therefore, he was willing to take out this business and share the cake. As long as he could make a big money house, it would be considered a profit!

Chen Li said thoughtfully: "No one in the Chinese police has run a money shop, and no money shop can do the Chinese police's unique business. If you do this, you will have a chance."

"The Chinese police officers are all very rich, but at least they can have a lot of savings after eating enough. It is not difficult for thousands of Chinese police officers to absorb hundreds of thousands of deposits. There will be more and more in the future. Millions are possible, but hundreds of thousands of deposits can satisfy your appetite?"

He said with a bright look: "You are focusing on the police force's fees and the tens of millions of fees and billions of fees, right?"
Chapter completed!