Chapter 261 Arrangement
This time, 32 branches of China Merchants Bank were open for business simultaneously.

"With 32 branches now open at the same time, other branches must be able to deposit money!" a like-minded person immediately said.

They all got to know each other because of defending their rights, and today they formed a team to check out the situation.

"Yes, I'll call someone and ask about the situation at other branches."

“Ask the people going to Central first!”

After a while.

"There was also cash at the door, saying there was 10 billion Hong Kong dollars. It seems that Mr. Liu Zhicheng was not lying!"

"I told you, he's worth hundreds of billions of Hong Kong dollars, why would he try to deceive us? Moreover, if Mr. Liu Zhicheng hadn't acquired Guoshang Bank, our money would have been wasted. We don't know when we can get it back, and we may not even get it all."

"Yes, he's such a nice guy!"

At this time, three people gathered not far from the bank.

"Brother Hao, why are you robbing the armored car at Kai Tak Airport? Let's go back and get the weapons now. All the money there is ours!"

"Shut up, keep your voice down! You don't want to die. If someone dares to put it at the door, are you afraid of being robbed? There might be snipers around here. Maybe they are not policemen but mercenaries hired by Liu Zhicheng. Others may not consider the safety of the hostages!"

Just because Liu Zhicheng's bodyguards had trained with mercenaries, word spread in Hong Kong that his security company had cooperated with mercenaries and also with some dark forces overseas.

These rumors also brought some minor troubles to Liu Zhicheng. After all, he was a positive character, so how could he have those connections!
Of course, as long as there is no evidence, and there is no evidence. He is never afraid of the voice of speculation!

"Damn, Liu Zhicheng is so damn treacherous! I heard that he has hundreds of bodyguards and is even related to mercenaries."

"Go, go back."

"Go back and get your weapons, Brother Hao? Aren't you afraid of snipers? Are you planning to rob them?"

"Get lost! I can't stand watching this anymore! You can watch but you can't steal!"

After saying that, Zhang Ziqiang turned around and left with his two brothers.

He knew in his heart that Liu Zhicheng was the most difficult to deal with among all the wealthy people.

He will use the media to put pressure on the Hong Kong government, and due to his youthful vigor, he may even resort to dark methods.

Moreover, Liu Zhicheng has a high reputation among the new Hong Kong people and donates money to those new immigrants or illegal immigrants every year;

So everyone is a new immigrant and doesn’t want to provoke others.

In fact, there were indeed snipers around, but it was indeed JC, because Wei Yixin would also come to attend the ribbon-cutting ceremony today.

Of course, even if Wei Yixin had not come, Liu Zhicheng could still hire the Hong Kong government's sharpshooters.

At 8:15 in the morning, Liu Zhicheng appeared at the head office of China Commercial Bank to attend the opening ceremony.

"Boss, everything is ready. After the ribbon-cutting ceremony, China Merchants Bank can officially open for business!" A 40-year-old middle-aged Chinese man came to Liu Zhicheng with several people.

These people were none other than He Changhong, CEO and Vice Chairman of China Merchants Bank. He was formerly a senior executive of a foreign bank in Hong Kong and was poached by Liu Zhicheng at a high salary.

Liu Zhicheng nodded and said, "Okay, wait for Mr. Wei Yixin to come, cut the ribbon, and arrange for someone to put the money in the safe!"

He Changhong said: "Okay!"

Putting money at the door is not a decision that the senior executives dare to make, but a decision made by the boss.

According to the boss, he wouldn't feel sad even if he lost the money.

But doing so can put many people at ease.

Those of them who are in senior management finally realized how powerful the boss is!
Everyone in Hong Kong knows that Liu Zhicheng's Hongli Investment manages assets worth tens of billions of dollars. This alone shows Liu Zhicheng's strength.

Not to mention, the boss’s stock wealth is already over HK$400 billion, more than double that of Hong Kong’s second richest man, Li Chaoren.

After a while, Wei Yixin came to the head office of China Merchants Bank with his assistant, and was stunned when he saw the cash at the door.

Wei Yixin sighed inwardly that the style of this richest Chinese man was really different from that of other wealthy people in Hong Kong.

"Mr. Wei Yixin, thank you for attending the opening ceremony of China Merchants Bank!" Liu Zhicheng stretched out his hand and greeted him.

A group of reporters pressed the shutter to witness this important moment.

Wei Yixin smiled and said: "This time we were able to handle the Xiangjiang Guoshang Bank incident perfectly, and it was a scene that everyone was happy about.
Of course I will attend such an important event, and I would like to thank Mr. Liu for his contribution to Hong Kong's financial stability."

Liu Zhicheng said modestly: "Without the support of the Hong Kong government, I would not be able to accomplish this on my own, so the greatest credit goes to the Hong Kong government!"

Wei Yixin was very happy that Liu Zhicheng made such a statement. After all, the Hong Kong government did take care of Liu Zhicheng.

This is a treatment that other consortiums do not have, that is, the promise to sell the "Overseas Trust Bank" to Liu Zhicheng at a low price.

There are many guests attending the opening ceremony of Guoshang Bank today, and the bigwigs of Hong Kong bankers have come to congratulate. Although, Guoshang Bank’s reputation has been severely damaged this time, it will take a long time to recover.

At 8:45, Wei Yixin gave a speech at the door, praising Liu Zhicheng's behavior, which drew applause from the guests attending the opening ceremony and the onlookers.

Then, Liu Zhicheng also gave a speech, praising the Hong Kong government’s actions in this incident, which was the biggest reason why he was able to take over the China Merchants Bank.

At 9 o'clock, 32 branches of China Merchants Bank officially began operations.

Liu Zhicheng personally deposited the first sum of money - 10 Hong Kong dollars, and the important thing was to complete the account opening.

Then, many friends and business partners started to deposit money in Guoshang Bank, which was considered a good start for the business.

As for attracting new depositors, there is still a long way to go.

But Liu Zhicheng believes that his bank deposits at China Merchants Bank will remain among the top five in Hong Kong, only behind HSBC, Bank of China, Hang Seng Bank and Bank of East Asia.

Even Standard Chartered may not be able to beat his bank!

A family is having dinner at a home in Hong Kong.

"Wife, please take some time to go to Guoshang Bank tomorrow and deposit 10 yuan in cash at home into the bank for a one-year term!" said the man.

"Guoshang Bank? The bank that your boss just acquired? Is it unreliable?" The hostess obviously watched the news frequently and was well aware of what had happened recently. She felt deep sympathy for the depositors who couldn't get their money back.

The host smiled and said, "Unreliable? You actually doubt our boss's ability? If he didn't have the ability, he wouldn't have taken over the mess of Guoshang Bank.

They don't need to take out a loan, just cash out is 50 billion Hong Kong dollars, just think about it, how rich they must be!"

The hostess thought so too, not to mention that her husband was an employee of the Whampoa Group, with a monthly salary of just over 2 Hong Kong dollars. This job was very respectable (this year, the low-income population in Hong Kong was 4000 yuan per month, accounting for 11%. It is not ruled out that some people underreported, and the actual proportion may be even lower).

"What about the interest?"

The man smiled and took out a flyer, handed it to his wife, and said, "This is almost the highest interest rate among banks in Hong Kong. I heard that if you deposit HK$2 for one year, you will get a 2L barrel of oil for free!"

The hostess's eyes suddenly lit up, and she immediately said, "If I deposit 10 Hong Kong dollars, will I get five barrels of oil for free?"

The man was stunned, then pointed at the flyer and said, "Look for yourself, I didn't look carefully!"

The hostess immediately started reading the flyer and complained to her husband, "You men don't know how to count and plan your lives.

Regardless of whether he gives me five barrels of oil for my HK$10, I can still get five barrels of oil, isn’t it just a matter of depositing it in five installments? "

The male host immediately shook his head helplessly!
One of the children immediately said, "Yeah, Mom is so awesome!"

Before its opening, Guoshang Bank had already done some publicity, mainly distributing flyers in companies under Liu Zhicheng.

Liu Zhicheng believed that his reputation would not be that bad.

Although employees are dissatisfied, they are not fools and do not know how to compare their salaries with those in the same industry;

Therefore, Liu Zhicheng believes that the employees' sense of belonging to his company will not be that bad.

As for other aspects of publicity, Liu Zhicheng also spent some effort, mainly to eliminate the negative impact on Guoshang Bank and use his fame to restore the reputation of Guoshang Bank.

The next day.

In the office of Hongli Investment, Liu Zhicheng reviewed the accounts. After injecting 50 billion into Guoshang Bank, Hongli Investment had only 25 billion Hong Kong dollars in cash flow left in its account.

It's quite thin!

Investing 10 billion Hong Kong dollars in foreign exchange speculation (20 times leverage) is currently in a loss-making state. The average short selling price is 138.3 points, and it has risen to 139.5 points at the opening today.

Liu Zhicheng has already instructed that if the stock price rises to 141 points, he will short sell another 141 million Hong Kong dollars above 5 points, still with a leverage of 20 times.

The reason for this is to reduce the chance of a liquidation and push the average short selling point to above 139 points. Then, the point of liquidation is 146 points.

If it really reaches 146 points, Liu Zhicheng will short sell another 10 billion Hong Kong dollars; if it reaches 153 points, he will short sell another 10 billion Hong Kong dollars, and then he will be ready to stop.

After all, if it could rise to 160 points, it would mean that he might be being targeted and he would have to admit defeat.

After all, he is not a tycoon, just a "financial porter" who moves wealth bit by bit.

而且因为在刘志成的记忆中——1992年美元/日元最低120点、1993年美元/日元最低100点、1995年美元/日元最低80点。

Theoretically, USD/JPY will not fluctuate 40 points in a year without anything major happening during that time.

If this really happened, it must be a big change in foreign exchange history, so he should pay attention.

Liu Zhicheng carefully reviewed the accounts of Hongli Investment, which was actually his second most important asset. The first was of course the various companies headed by Shanfeng Investment Group.

In the future, his assets will also be divided into these two parts, and (testamentary) arrangements will be made:
The first asset, of course, will be left to the children of the first wife for inheritance, especially the Whampoa Group must be handed over to his eldest son.

The second asset, Hongli Investment, will be beneficiaries of all Liu Zhicheng’s children and descendants, while his granddaughter and descendants will be excluded from the beneficiary list.

After the three-fold layout, I believe that even after the third world war, as long as there are rich people in the world, the Liu family will definitely have a place.

Liu Zhicheng, who was born in 1956, may live until 2100. After all, Guo Huonian lived to be 99 years old and still in good health, which shows that the rich can really achieve "immortality."

That evening, Liu Zhicheng worked overtime to hold a management meeting of China Merchants Bank.

He asked with concern: "After two days of business, have you counted the number of new depositors?"

Most of these executives are from Hong Kong and know Liu Zhicheng's style of doing things.

After all, the media had reported that he was a person who attached great importance to efficiency. So before the meeting, everyone had to prepare the information and plans that Liu Zhicheng might need today.

Chief Executive Officer He Changhong said: “According to the statistics, a total of 1882 new depositors were added in two days, and our total number of depositors exceeded 6000, reaching 6120.

New deposits amounted to HK$3.86 million, of which your friends, partners, and executives are expected to contribute HK$2.5 million in deposits.”

This is very impressive. Whether it is new depositors or new deposits, it is in line with the credibility and connections of Liu Zhichengxiang, the richest Chinese.

"Very good. Later on, we will slowly restore the credibility of Guoshang Bank and attract depositors to deposit money. You guys need to work hard on this."

"Well, the reputation of Guoshang Bank is not a big problem. After all, you have done the biggest advertisement this time. I believe that the citizens have confidence in us, and there will be more and more depositors in the future."

What He Changhong said makes some sense. When Liu Zhicheng took over the China Merchants Bank this time, he himself was the biggest advertisement.

No one else can achieve the same effect as Liu Zhicheng, except HSBC and the Hong Kong government.

Liu Zhicheng nodded and continued: "The deposits will slowly increase, but we also need to make money! Of course,
I opened a bank not to make money, but simply to build a business with a good reputation and pass it on."

Faced with Liu Zhicheng's profit, everyone nodded seriously, as if they had no doubt about Liu Zhicheng's idea at all.

This made Liu Zhicheng doubt whether his charm was really that great!

Regardless of this, Liu Zhicheng continued: "Therefore, the main target of the next loan issuance will be the real estate industry, and the loan interest rate will be at a relatively low level among peers.

We are now developing word of mouth. There is no need to consider how much money we can make. What is important is the quantity and quality of our customers. Do you understand?"

"I understand!" everyone said in unison.

Everyone thought that, to put it bluntly, China Merchants Bank is your personal bank.

However, Liu Zhicheng's next words changed their impression of him. He was no longer a traditional businessman.

Liu Zhicheng finally said: "After the merger and renaming of China Merchants Bank and Overseas Trust Bank, I will prepare for the listing!
I will not let people think that this bank is my family bank. It needs to go beyond Hong Kong and develop globally.”

Family-owned banks cannot grow big, and it is difficult for them to expand their business in other countries, so going public is the best solution because it represents financial "transparency."

He thought about setting up a holding company above the bank. This holding company would hold shares in the bank, investment bank (Hengjin Investment), securities company, etc. This holding company would be his personal company.

Banks can go public to get rid of the impression of being family-owned banks and having too much family management in the eyes of outsiders.

The Liu family can influence the banks under its control, but the management has considerable autonomy, and the Xun family seems to be hiding behind this multinational bank.

Of course, if there are capable members of the Liu family, they can also join the management team of this bank.

(End of this chapter)