Chapter 496: 496

Gao Xian's experience over the years is definitely rich and colorful. He has seen many anecdotes about strange people, and ye Han can be regarded as a strange person. Not to mention his well-known scenery in "gambling", few people can compare with this brave and ruthless spirit that is not limited by his old age. No wonder he Hongshen is incompatible with the competitive he Hongshen.

However, no matter how refined the "gambling technique" is, it can't fight the "power technique". Ye Han is led by he Hongshen, which is evidence.

In Gao Xian's eyes, the grudges between Ye Han and he Hongshen are beyond his reach, but if ye Han goes to Las Vegas, he may really help develop and expand Wen Enhui's power.

It's possible that it's worth trying, so Gao Xian cooperated with the plans of he Hongshen and ye han to provide them with the convenience of Las Vegas.

Of course, this layout must be low-key. Gao Xian has always cherished his feathers.

After sending Ye Han away, Gao Xian continued to prepare for going to Beijing.

At present, the relatively easy project to start in the mainland should be the hotel construction plan. The hotels under happy group already have famous brands such as Hilton Xiangjiang Hotel, Wenhua Xiangjiang Hotel, Hyatt Regency Bali, Indonesia, Las Vegas Sands Hotel and so on. The inside information must be enough.

While Gao Xian is full of confidence in this, he also plans to take the opportunity of supporting financial services for hotel construction to make initial contact between Gaoyi bank and the mainland.

Based on this consideration, Gao Xian wants Ye Licheng, who is the general manager of Gaoyi bank, to go north with him to Beijing at that time.

Ye Licheng readily agreed, "just in time, I'll test it on the spot. How's Mandarin practice?"

Gao Xian was amused. Speaking of it, ye Licheng is really a capable helper. Now he can be regarded as a successful person, but he is still quick and eager to learn. He really put his suggestions for executives to take time to learn Mandarin into his heart.

In fact, in this era, it doesn't matter whether Hong Kong businessmen understand Putonghua or not, because at this stage, Hong Kong businessmen are rich and powerful, and the mainland naturally tries to accommodate them. Even "drizzle" and so on are regarded as fashionable.

But one thing is that Gao Xian needs to bend down to do things in a down-to-earth manner in order to seek long-term development. For example, understanding Mandarin also means that he can better understand the ideas of the mainland and even reach the level of real closed door talks without the presence of a translation secretary.

Their topic soon turned back to the development of Gaoyi bank in Xiangjiang. The first was the ATM that was publicly unveiled in a new way some time ago.

"It's hard to get things done with more people." Ye Licheng sighed: "banks are very interested in ATMs. They not only try to operate them, but even go to Huanyu electronics, which provides a complete set of solutions. However, most of them are evasive about matters related to the Internet."

At present, there are no more than 30 ATMs officially put into use by Gaoyi bank and Yili bank. Its greatest value is reflected in helping to shape the brands of the two banks. Unfortunately, without the network scale, it can not create greater value.

Gao Xian can understand the difficulties. If the ATMs of various banks are connected to each other, they need to share some information with each other. However, no matter which bank cherishes the customer information accumulated on hand, how can it be easily shared.

In Gao Xian's view, the ATM of Xiangjiang banks can not be connected to the Internet without the presence of leaders in Xiangjiang banking industry, such as Gaoyi bank, Yili bank, Standard Chartered Bank, etc. they are not qualified. Only HSBC with deep roots and BOC with deep background can have the details of the gathering of responders.

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Ye Licheng said reluctantly, "we are the leader of Xiangjiang ATM business. Can we only wait for Huifeng bank to organize? If we are afraid, Huifeng bank may not take us to play!"

"Huifeng bank and its holding Hengsheng bank have outlets all over Hong Kong Island, Kowloon and the new territories. The number of outlets has reached more than 200. It accounts for more than 25% of the number of outlets in the whole Xiangjiang banking industry. It can fully establish its own ATM network covering Xiangjiang."

Gao Xianshen said with deep thought: "I expect that it is not Huifeng bank that may not bring others to play, but Huifeng bank will certainly choose to do it alone. Because Huifeng bank has too many resources, it naturally doesn't want to share with its peers."

Ye Licheng, whose thinking was guided by Gao Xian, began to suddenly say, "the boss means that after the situation is clear, those banks with different ideas can only put their minds away and work hard to find a way out."

Gao Xian smiled, "sometimes it's like this. The alliance under the city is better than countless good words!"

Ye Licheng thought: "BOC is not very strong now, but it is large enough. The number of business outlets in Xiangjiang is more than 130, only second to Huifeng bank. It is qualified to organize banks to build ATM network. After we add it, we should be able to ensure our own position."

"In the final analysis, we still rely on strength to speak." Gao Xian instructed: "the next two to three years will be a key development period, and Gaoyi bank must firmly grasp it. The number of outlets is only one aspect, and the core is business."

"At this stage, there is a general trend in the global banking industry. The proportion of residential property mortgage in bank loans is increasing. With the change of economic structure, Xiangjiang banking is even more so. The current 8 billion loan scale is only the beginning, and it will certainly double in the next two or three years."

Ye Licheng nodded, "now the residential property mortgage is very competitive, the mortgage proportion is increasing, and even the slogan of up to 90% has been released."

"As I said, the next two to three years will be a key development period for liberalization." after giving clear guidance, Gao Xian said: "among the local personal loan business, residential property mortgage is the largest, accounting for about 60%, and the rest, especially the credit card business, can not be ignored."

"In addition, Xiangjiang's insurance industry will also usher in a period of rapid development. I plan to integrate the insurance businesses affiliated to various companies in the group and establish a large insurance company focusing on this field."

Because Xiangjiang is a trading port, maritime transportation led to the development of the insurance industry more than 100 years ago.

However, the Hong Kong government has little supervision over the insurance industry. Operators only need to carry out business registration according to the general process and pay the registration fee to the company registry before they can operate; That is, this year, the Hong Kong government began to pay attention and passed regulations stipulating that the minimum capital of newly registered insurance companies is $5 million.

In this case, many banks, financial companies, commercial banks and real estate companies in Xiangjiang have attached insurance companies.

Gao Xian's idea is to integrate the affiliated insurance companies in the two groups of happy and Gaoyi, establish Gao'an insurance and fully enter the insurance industry.

They are discussing. Zhou Wenyao made an international long-distance call from the United States on the other side of the ocean and reported: "boss, IBM CEO Frank Cary, I want to have an interview with you."

……

PS: Alas, the last chapter was harmonized. It seems that the outline has to be adjusted. Some ideas must be cut off

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