Rebirth of Xiangjiang: Across the World

At [-] o'clock in the evening, Zheng Yaoyang arrived as scheduled and came to the Peninsula Hotel. His uncle had to give him face, otherwise he would not be able to do business with the board of directors.

Moreover, when the two armies are fighting, momentum is very important, and you won't lose a piece of meat after eating. Zheng Yaoyang also wants to know what kind of dog skin plaster is sold in the HSBC gourd.

Under the guidance of the hotel staff, Zheng Yaoyang brought his assistant and bodyguards to the large private room at 11-1.

There were three people in the box, besides Su Haiwen, Stephen, and Chen Zhiyuan from Xiangjiang Financial Management Office.

Zheng Yaoyang raised his brows, even the Financial Management Office intervened, the referee had sidelined the game.

Before Zheng Yaoyang opened his mouth, Su Haiwen introduced with a smile: "Yaoyang, this is Chen Zhiyuan, who is usually very busy."

He said this to show his attitude that he didn't know about Chen Zhiyuan's arrival.

If he knew that Stephen still invited Chen Zhiyuan, he would definitely not help to be this lobbyist.

Because Chen Zhiyuan intervened on behalf of the government, the situation was very unfavorable to Zheng Yaoyang.

Chen Zhiyuan is also an old fritter, and he knew that Su Haiwen was disregarding the relationship, and said with a smile: "Hahaha, Mr. Su is blaming me for coming uninvited."

He looked at Zheng Yaoyang: "Mr. Zheng, this must be the first time we have met. It is said that Mr. Zheng has the air of a dominator. The first meeting today is really extraordinary."

Zheng Yaoyang clasped his hands and said with a smile: "Director Chen, you are too flattering. I'm really busy recently. I'm really sorry that I couldn't visit in person."

He also looked at the third person in the box, a lean white man in his 40s.

He should be Stephen Green, and the two of them are the protagonists of tonight's dinner.

Stephen smiled and spoke fluent Cantonese: "Mr. Zheng, I have been hearing Wells tell you about your deeds before, and I hope to meet you very much. Tonight I can finally get what I want."

"Everyone, take your seats, the waiter will serve."

Su Haiwen smoothed things over with a smile, and took the initiative to act as a lubricant for both parties. After all, he has been in Xiangjiang for more than 30 years and has long been proficient in Chinese dining culture.

If it weren't for his fair skin and blond hair, no one would think he was a native foreigner.

Zheng Yaoyang looked out the window, he could see most of Central, he pointed to the buildings on the other side: "Guys, which one do you think is better to buy?"

"The Tsim Sha Tsui East Fuxing head office is too old and dilapidated, so we decided to buy a building to use as the headquarters."

Zheng Yaoyang didn't like to chatter, so he simply raised the topic directly and tested their reactions.

Su Haiwen resolutely implemented the principle of neutrality, and focused on looking out the window, as if he didn't hear the subtext, and wholeheartedly helped Zheng Yaoyang choose a building that might be sold.

Chen Zhiyuan glanced at Stephen, the two made eye contact, and then smiled and said, "Yaoyang, it should be okay for me to call you that?"

Zheng Yaoyang responded with a smile: "Brother Chen, you are too polite, calling your name sounds kind."

"Since you call me big brother, let me ask you to say a few words."

Chen Zhiyuan showed a satisfied smile. He had heard that Zheng Yaoyang was a monster, and he finally saw it tonight.

It's no wonder that he can achieve today's achievements with such a demeanor when he is young and ambitious but still knows the ways of the world.

Chen Zhiyuan cleared his throat: "Xiangjiang is a free trade port city, we encourage competition among enterprises, because enterprise competition will make progress."

"It's just that Fuxing Bank's deposit interest rate has been adjusted a bit too high?"

If Fuxing was just a small bank, even if the current annual interest rate was as high as 5%, he would never bother.

But Fuxing is not a small bank. Behind it stands the woodpecker's US$189 billion, and Zheng Yaoyang guarantees it.

This morning, as soon as the interest rate was announced, the number of Fuxing Bank’s account opening surged by thousands, and the savings funds soared by 18 billion Hong Kong dollars, which is enough to illustrate the situation.

The user's savings are the key to the operation of a bank and the foundation of all investment projects. Without the user's savings, the bank cannot survive.

The current interest rate of Fuxing Bank is 0.3% higher than that of HSBC, and the five-year dead rate is even higher by 0.92%.This is undoubtedly a devastating blow to HSBC's savings.

Zheng Yaoyang's expression was as usual, he picked up a piece of shrimp, and smiled faintly: "Director Chen, when did your financial management department become so lenient?"

"Is it your personal opinion or HSBC's opinion to ask Fuxing Bank to lower the savings rate?"

"If it is the opinion of the Financial Management Office, no problem, as long as the notice is issued, we will correct it immediately."

Zheng Yaoyang didn't care about offending Chen Zhiyuan, because he could only represent himself, not the Financial Management Office.

Even if he represented the idea of ​​the Financial Management Office, they had no way to get off the field and sideline the fight.

Because the biggest role of the Financial Management Office is to regulate Hong Kong's financial industry, generally it is advice rather than guidance.

As long as Zheng Yaoyang is willing, he can raise the annual interest rate to 10%, and it's fine to directly disrupt the entire market.

This is also due to the freedom and human rights of the West. Within this broad framework, Xiangjiang's management department is directly unable to issue orders.

As long as Fuxing Bank does not violate the contract and default on the user's savings funds and related interest, otherwise the Financial Management Office will not be qualified to intervene.

Chen Zhiyuan's face turned green and pale, just now he praised Zheng Yaoyang for being sensible, but in the blink of an eye he was stabbed in the back.

Stephen, who had been silent next to him, finally said, "Mr. Zheng, maybe we can have a good talk. Malicious competition is not good for us."

If HSBC also raises the interest rate to 1.98%, then Fuxing may raise it to more than 2.0%.

They are caught in vicious competition, and it will only be them who will lose in the end, and only users will benefit.

This is also the specific reason why HSBC and Standard Chartered have maintained the same interest rate for a long time.

Because every time the interest rate is raised or lowered, they will notify the other party in advance, and the two banks will adjust the interest rate together, allowing users to make their own choices.

In fact, not only the bank, but even a vegetable market on the east side of the street will tacitly unify the prices of vegetables and reject those who maliciously lower prices.

This is similar to what a benevolent person in the future said that raising employee salaries is malicious competition.

"Our Fuxing Bank is a new company, and we always have some preferential plans to attract users' savings. I don't think there is anything wrong with this."

Zheng Yaoyang said with a smile: "If HSBC has any objections, it can definitely raise the interest rate to the same level as ours. It can be regarded as the welfare that I, Zheng, seek for the people of Hong Kong."

Stephen said it nicely, it seems that he is for the sake of the entire industry, but in fact it is for them HSBC.

It is indeed true that Fuxing Bank raised the savings interest rate without authorization, which is breaking the unspoken rules of the industry.

But Stephen is secretly changing the concept, because HSBC is the designator of the rules and must firmly support them.

If everything goes according to plan, the boss will always be the boss, and the newcomers will never be able to get ahead.

Rules are made to be broken.
But Zheng Yaoyang will not deny that if Fuxing Bank becomes the rule-maker one day, they will also become the supporters of the rules like HSBC today.

Stephen was silent for a long time: "Well, I think the people of Hong Kong should thank Mr. Cheng."

He looked at Chen Zhiyuan again: "Director Chen, thank you for your kindness tonight, I have something to do and I'll leave first."

With Zheng Yaoyang's current status and status, it is doomed that HSBC cannot start with the government. Commercial matters must ultimately be resolved commercially.

They couldn't change Zheng Yaoyang's mind, they could only follow Fuxing Bank to adjust the interest rate, and in the future it would be real.