Rebirth of Hong Kong Island, I, the rice class leader

Chapter 234 234 Opened a bank just to build a house

Zhou Xinian was right. Gao Yao did have this idea. He had been thinking and observing Hong Kong Island these days.

He saw clearly that it was not without reason that Gui Lao implemented inaction on Hong Kong Island, and it was not without reason that Hong Kong Island was positioned as a transit port.

The current resources of Hong Kong Island are too poor. It is simply a city of stone. It even lacks fresh water... How can we talk about developing industry?

It seems that it is to engage in real estate to drive the economy.

In this case, if tens of millions of Guangzhou buildings are to be built, the general public must be mobilized to participate.

Gao Yao immediately went to Wing Lok Street in Central to find Liao Poshan.

Because this guy had the support of Jian Dongpu in the past, he used the money from the Bank of East Asia to speculate in the market and made a lot of money. Based on the principle of keeping the money from others, he opened the Liao Chuangxing Bank.

Gao Yao's family put 100 million in this bank account, which is the VIP among VIPs.

Now that I have other ideas, I naturally want to talk to Liao Baoshan.

What Gao Yao mainly likes is that this guy is brave and dares to fight.

"The great high school students are here to bring you glory and glory."

Since the bank account was opened, Liao Baoshan used the funds in her account to kill everyone outside. The shrimp traders she killed were completely defeated, not to mention how impressive she was.

He invited Gao Yao to the office with a smile on his face. He just hoped that the 100 million funds piled up by the Gao family would stay in the account for a while longer.

"I heard that you are the most popular right now."

Gao Yao smiled and said, "Congratulations."

This is indeed true. Before the 60s, Liao Baoshan was indeed the most popular fashion businessman, so Xiao Li was simply not enough to look at in front of him.

"That's also because Mr. Gao tried his best to help."

Liao Baoshan had a smile on her face, and he handed over his hand: "I haven't congratulated Mr. Gao on joining the Chaozhou Chamber of Commerce."

"Mr. Gao, let me say something here. I will definitely support you as president in the next term."

Gao Yao laughed. His identity as the director of the Chaozhou Chamber of Commerce was determined by Baifanyu alone, and no one could get it right.

However, because there are too many things going on at the moment, he has never been to the Chaozhou Guild Hall to meet everyone.

"I came to you to ask you something."

"Don't dare, don't dare."

Liao Baoshan immediately cheered up. Sitting in front of her was the biggest customer, the Chaozhou gangster, Mr. Wan, the great philanthropist...

None of these identities should be underestimated.

After hearing what Gao had to say, Liao Baoshan blinked her eyelids and asked for a mortgage on the house?He thought about it, given the current situation, how could he speculate in the market as quickly as he did?

Or it’s better to take over the property yourself, renovate it, and sell it than to get a mortgage.

This interest rate is extremely unprofitable.

Gao Yao looked at Liao Baoshan's expression. Good guy, this kid doesn't have a cold either.

But Mr. Gao is no exception. The current situation in Hong Kong Island is like this. As long as you have the connections, courage and means, as long as you dare to do something, you will basically make huge profits, which is definitely better than collecting interest.

If you have no other options, you can only find a job safely, and this job is unstable in Hong Kong Island today.

To put it simply, he is not a customer that banks like.

"Mr. Gao."

Liao Baoshan thought that Gao Yao had come to visit her, so she had to give him face, so she could only bite the bullet and said: "If you tell me, it will not be a problem for the bank to provide a mortgage."

"I'm afraid this bank won't be able to do much."

He was right.

Liao Baoshan currently opens a bank account to raise private funds to speculate in the market and real estate. The purpose is to prevent the wealth from flowing to outsiders.

Now that most of the self in the bank has been thrown out by him, he really can't do much.

Gao Yao interrupted: "Mr. Liao, it's just you and me here, let's talk straight to the point."

"I'm here to hear the truth."

Liao Baoshan thought for a moment, thinking that the young man might not be able to hear harsh words, so he said as tactfully as possible: "Mr. Gao, your idea is of course a great one."

"It can expand the purchasing scope."

"but!"

Liao Baoshan said: "We also have to consider that no matter whether it is a bank or a bank account, we must avoid doing risky businesses."

He said tactfully: "Those who can afford to buy a house currently do not need to take out a loan."

"And for those who can't afford a house, their jobs are not stable, and collecting the bills later will be a very troublesome matter."

That's right, HSBC, which has been promoted to the God of Wealth in Hong Kong Island, will hand over the bad debts to Hongxing to collect?
Gao Yao nodded slightly. In fact, he had also thought of this. Currently, there are not many industries in Hong Kong Island, and there are too many people. Dozens or hundreds of people are competing for a job.

The boss has too many choices. He will Pss to negotiate terms with him at any time, and then replace him with a more obedient and more hard-working man.

So currently there is no guarantee for those who have jobs open...

Liao Baoshan said: "Gaosheng, if that's the case, why don't you set up your own mortgage company?"

"With your strength, I think it should be easy to get a low-interest loan."

Gao Yao chuckled. If he wanted to start a financial company, he would have already started one. A mortgage company?Then he might as well just set up a bank specifically to make mortgages.

When Hong Kong Island's economy catches up, it will naturally take the lead.

A bank specifically for mortgages?

Gao Yao was stunned, a deep look flashed in his eyes. In later generations, mortgages accounted for one-third of the banking business in Hong Kong!It can almost be said to be a pillar!
He thought quickly and realized that all the talk about instability was bullshit. In the final analysis, it was because the people of Hong Kong at that time did not realize that the future of this city was a city of real estate and finance.

They don’t know that their house is their most valuable asset.

To put it simply, Hong Kong people still have no confidence in the future...

That’s why banks don’t have confidence…

Gao Yao immediately thought of one person, the frugal and wealthy man of later generations - Wang Dehui, Chairman of Chinachem Group!
When this guy's Chinachem develops real estate, everything from acquiring land, building buildings, and mortgages is completed in companies under his own group.

This guy never goes to the bank to do business, so the turmoil in Financial Street never affects him.

And the cash is extremely abundant!

"Open a bank..."

Liao Baoshan opposite was surprised, Mr. Gao wants to open a bank?

Does this big crocodile eat anything?
It seems that I have to pay a lot of money.

At that time, there was a saying for opening a bank: gather, pile, and dig!

Coin refers to absorbing social funds, while hei refers to heaping flowers. This thing refers specifically to the banking industry.

For example, when Liao Baoshan found Gao Yao, it was a co-operation between fellow villagers. If Gao Yao opened a bank, because Liao Baoshan was a member of the same group, then the idea that he would deposit money in the bank opened by Gao Yao was called Duihua.

In addition to Liao Baoshan, other colleagues should also take the initiative to deposit a sum of money. The amount of money is related to the social status of the person who opens the bank.

Of course, poaching means poaching social elites to invest in shares...How can you open a bank without celebrities participating in it?Otherwise, people won’t believe in your strength.

Liao Baoshan complimented: "Mr. Gao, if you open a bank, it will definitely be like a pig cage drowning in water, and you will make a lot of money and make your eyes red."

No matter where you are, in the upper class, it is easy to gain a foothold in the upper class if you have a bank at home.

In addition, regardless of status, it is also a good way to make a fortune. While banks absorb money from customers, they also lend money and do business. Why not borrow money to earn interest?
Gao Yao chuckled, how could it be so easy?There are many banks and bank accounts in Hong Kong Island. No one knows how many banks and bank accounts there are.

One side was opened, the other was closed, and it took more than a hundred years for life and death. Today, there are less than 20 that can really become a big climate.

And these became a trend, and most of them were run out of business later, such as the Liao Chuangxing Bank in front of us.

Gao Yaoyao thought about it, there are currently no banking regulations in Hong Kong Island, and there are no even licenses. You can open one if you want.

It's all about strength and fame.

There is no shortage of these two things, but what he lacks is professionals.After all, it is not easy to run a bank. It can easily be undermined by others.

Now that he had made up his mind, Gao Yao went straight to the point and said, "Thanks to Mr. Liao for reminding me, I plan to open a bank specifically for mortgage matters."

In the early stage, it was true that we only took out mortgages. As for the ships, I’m afraid we have to see how much deposits can be raised in the future.

Liao Baoshan was speechless. I'm going to scare you. How troubled is Mr. Gao about this mortgage matter?
Then he stammered: "Congratulations, congratulations."

"With Mr. Gao taking the lead, I, Liao Chong Hing Bank, will follow suit."

Gao Yao smiled slightly, regardless of whether the words were true or false, it was still very comfortable to hear.

He asked directly: "I, Mr. Gao, am a layman. I wonder if Mr. Liao has any good introductions?"

In fact, Liao Baoshan was also a layman, but he had been dealing with Jian Dongpu for a long time, so he gradually learned the ropes.

Hearing this, Liao Baoshan said enviously: "Gao Sheng, of course you will have no problem opening a bank."

"As long as you have properties in Central and Causeway Bay, it is the best certificate of credit!"

That's right!

Banking is the industry that needs the most confidence. It is impossible to keep a low profile in this industry. Even HSBC has to redesign its headquarters frequently, let alone others?

Gao Yao's biggest advantage currently is his fame and the twin towers he holds in his hands!
For example, if Gao wants to put the bank in the Gao Ha Building in the Central City Hall, that will be more reliable than any guarantee for all Hong Kong citizens.

Gao Yao chuckled: "Talents are rare, and the most important thing is to have them."

"There is one."

There is indeed such a talent. Liao Baoshan has been eyeing him for a long time, but he knows that he can't impress him at all, so he can only look away and sigh.

"Oh? Please speak."

"Lee Guo Wei."

Liao Baoshan said: "Gao Sheng, this person is extremely powerful."

There are two branches of Li family, one is prosperous and the other is withered.

This Li Guowei belonged to the Li family, but he was not from the Li Xisan branch. His line had declined long ago, and their main activities were in Haojiang at that time.

For example, Li Guowei was born in Haojiang. Not long after graduating from high school, he joined Guohua Bank as a clerk and stayed there until last year. For some reason, he transferred back to Hong Kong Island and has not returned yet.

Li Guowei?Benefit family?

Gao Yao was thoughtful.

In any era, big families are more likely to produce talents. This is not because they have good genes, but because they pay more attention to the inheritance of knowledge.

Especially in today's Hong Kong Island, if a person can read, it will be easier than others to find a job. Even if you apply for the police academy, if you can read, you will basically be hired.

If you can speak English, that's really great. You can go directly to a foreign company to start a job.

And Li Guowei is such a person who comes from a big family, understands English and finance, and is indeed a talent.

Liao Baoshan observed what he said, and it seemed that Mr. Gao was a little interested in Li Guowei, so he asked tentatively: "Mr. Gao, if you are interested, why don't I ask him out for tea? You can talk directly then."

"it is good."

Gao Yao said: "Thank you, Mr. Liao, let's have lunch together."

"Mr. Li, do you prefer Western food or Chinese food?"

Liao Baoshan thought that Mr. Sigao was very meticulous in his work, which was really incredible, so she grinned: "Although he is a fake foreign devil, he still eats Chinese food."

"Then Sunbeam."

Sun Kong is located in Central and Sheung Wan. It reopened after Chung Kong. It is quite famous and suitable for entertaining friends and guests.

Gao Yao would not do anything to implicate the nine clans. The people who might offend him were the Liminze lineage, and the Liguowei lineage was branched off from the Li family.

Since they are talented people, Gao wants to see if everyone can follow the same path.

Li Guowei is only 29 this year, young and promising.

Yes, today's Gao Yao is definitely qualified to say this to young people, even though he himself is only in his early 20s...

He arrived before anyone arrived: "Hahaha, Bao Shan, why don't you go to Bonham East Street today and come to Shin Kong?"

"Mr. Gao?"

Li Guowei noticed Gao Yao immediately when he walked in. At that time, everyone in the world knew Mr. Gao, especially as a person in the scene...

Gao Yao stood up and stretched out his hand, and Li Guowei quickly stepped forward: "I'm sorry, Mr. Gao, Mr. Liao and I are used to joking."

"Young people should relax a little."

Gao Yao pulled Li Guowei to move in, and then went straight to the point: "Ah Wei, just one sentence, I admire you and hope you can come and help me."

Liao Baoshan was completely envious. Once upon a time, he also wished that he could be as free and confident as a high official every time he went out to do errands.

Look, Ah Wei, I want you to come over and help me.

Even Liao Baoshan would not dare to say this even to death, because nine times out of ten, they would not dump her.

"Awei."

Liao Baoshan added: "Mr. Gao is planning to open a bank."

He emphasized: "It's a bank."

"I've got the person, Mr. Gao, Ah Wei, please talk slowly."

Li Guowei's eyes brightened slightly!
Before or after the promulgation of the Ordinance, it has always been relatively easy to obtain a license to open a bank on Hong Kong Island.

But why are there so many quasi-banking institutions—banks?
This is because at that time, although there were no special legal provisions governing the business of banks on Hong Kong Island, there were practices. This practice was brought by early foreign banks and became a model for bank practice.This practice is completely different from that of banks and banks. For Chinese people who do not have modern financial concepts, this is an invisible binding force. Therefore, many Chinese bank merchants regard practicing banking as a daunting path.

They prefer running banks with flexible operations rather than banks;

Take Hang Seng, for example, which is now a bank account...

Before Gao Yao, only the Bank of East Asia was a bank that was opened right from the start, but there is a premise here. The few people who founded the Bank of East Asia at that time had either opened a bank account or a bank before.

Or he is a bank comprador!
They are all absolutely powerful people!Even so, when the Bank of East Asia opened, the owners of those bank accounts were not optimistic.

(End of this chapter)