Chapter 723: 723

The Hong Kong government's takeover of overseas trust banks can not completely quell the undercurrent of the Xiangjiang banking crisis.

Gao Xian had a personal feeling about this. After the meeting, he was picked up by Ma Yongda and went to see Ma Jingxi to discuss the crowding risk faced by Xiangji bank.

"Brother Xian, are all the problems of overseas trust banks true? Zhang Mingtian and ye zhuangling are not idiots. How could they make such a serious mistake?" asked Ma Yongda curiously during the chat on the way.

In fact, this just reflects the second son of the Ma family's conviction and dependence on Gao Xian. He is sure that Gao Xian will not ignore his own difficulties, so naturally he doesn't have to worry.

"Speculation and lucky thoughts are too heavy." Gao Xian is not surprised. Ye zhuangling uses the check wheel method to set up funds and speculate wantonly in the bull market. In essence, it is not much different from the "old script" that some people do not hesitate to use consumer loans to buy a house during the take-off of the mainland real estate industry decades later. It is just a "bet" that they earn money and lose money, As for Zhang Mingtian, he acted as a profiteer. Unfortunately, he had to find out his own bottom and fell into the pit, so he couldn't get up.

But then again, there is no absolute thing in the world. If you do it in a down-to-earth manner, you may not be able to be alone. For example, Ma Jingxi and his Xiangji group belong to such an example. In the current special period, there are problems in the operation of funds. If you don't deal with them properly, you will lose all your efforts for many years.

In front of the headquarters building of Xiangji bank, Gao Xian got out of the car and didn't go in immediately. Instead, he looked at the building and sighed gently.

Over the past ten years, Ma Jingxi has not made serious mistakes in business, and Gao Xian has a special relationship with the Ma family. As a result, he is not good at pointing fingers at the Xiangji group headed by Ma Jingxi, an elder. At most, Ma Jingxi has made some suggestions similar to being cautious in dealing with Jianing through Ma Yongda. Ma Jingxi has also adopted it and has not been affected by the commercial fraud case of Jianing.

However, from the current perspective, looking back, this Xiangji bank headquarters building has buried a hidden danger of capital shortage for Xiangji group.

After Xiangji finance obtained the bank license and upgraded to Xiangji bank, Ma Jingxi believed that Xiangji bank needed its own headquarters building to improve its reputation. Therefore, in the full swing stage before the collapse of Xiangjiang real estate industry, it spent HK $300 million to build this headquarters building.

Compared with the banker of Hang Lung Bank and Zhang Jia of overseas trust bank, Ma Jingxi can't be more serious, but the irony of bad luck and fortune is that this headquarters building occupies too much capital of Xiangji group, so that Xiangji bank is stretched out in the face of an increasingly obvious trend of crowding.

After noticing the change of Gao Xian's expression, Ma Yongda sighed. He knew that the plight of Xiangji group could not escape Gao Xian's eyes, "The downturn in the stock market, the collapse of the real estate industry and the turmoil in the banking industry have seriously affected the operation of Xiangji securities and Xiangji bank, making the previously considered problems, including this headquarters building, difficult."

Gao Xian patted Ma Yongda on the shoulder and comforted him: "don't worry, our two families are linked together. I won't sit back and watch Xiangji get into trouble."

"Of course I know. Brother Xian will certainly help." Ma Yongda smiled. "He didn't look at me. He's not as worried as his father."

Gao Xian angrily raised his leg and gave his brother-in-law a kick. "You should quickly lose this dependence, otherwise how can you take over Xiangji in the future? Don't you see that Yongfa can be alone in Vancouver!"

"Brother Xian taught me the right lesson." Ma Yongda led the way ahead regardless of the shoe prints on his pants.

After seeing Ma Jingxi with a frown, Gao Xian asked, "Ma Sheng, what's the situation with Xiangji bank now?"

"Xiangji bank is only a small bank, and its anti risk ability is really insufficient." Ma Jingxi sighed. "More and more depositors go to the business department to withdraw cash these days. If it goes on like this, Xiangji bank will be hollowed out."

"I'll ask Gaoyi bank to support Xiangji bank with some cash." Gao Xian said cleanly, "how much does Ma Sheng need?"

"Fifty million." Ma Jingxi thought and replied, "if this can't solve the current situation, Xiangji bank will really encounter a run. At that time, it must be another matter."

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These words, Ma Jingxi said very pertinent, can be called without any moisture.

Gao Xian, who was very satisfied with this, also confidently further stated, "if Xiangji bank really encounters a run, I will certainly not sit idly by."

"However, Ma Sheng also knows that vanguard bank is about to take over the chairmanship of Xiangjiang Banking Association, and the first thorny problem facing vanguard bank is the looming banking crisis caused by the shock of overseas trust bank. Therefore, I hope that the support for the real run on Xiangji bank can be carried out under an open mechanism Become a case for the whole industry to refer to, rather than just sitting together and finalizing it in private. "

Ma Jingxi nodded and said slowly, "I can understand and understand Sir Gao's position and ambition."

Ma Yongda, like a curious baby, timely asked for his father, "what does the open mechanism mentioned by brother Xian include?"

Gao Xian explained: "the management of Xiangjiang banking industry has entered the stage of three-level financial system. Before it has been fully implemented, it has been lured into a new crisis by Hang Lung Bank and overseas trust bank, indicating that the industry norms are not perfect."

"Based on this situation, after taking over the chairmanship of the Xiangjiang Banking Association, Yili bank will be committed to implementing a series of new audit standards, including a minimum capital adequacy ratio of no less than 4%. For example, Xiangji bank with problems, it is more and more necessary to approach this standard."

"On the other hand, for the support of banks with problems, we can't expect peers to fulfill their obligations. We need to pay a price such as equity."

"In fact, this is the cruel reality at this stage. The crisis in Xiangjiang banking industry just gives a great opportunity for big fish to eat small fish."

Speaking of this, Gao Xian looked into Ma Jingxi's eyes and sincerely stressed: "Ma Sheng, please rest assured that I don't covet the control of Xiangji bank, just to create an open mechanism to solve the current banking crisis."

"Moreover, from the experience of the banking industry around the world, if small banks do not have a backer, they will not be a long-term plan. Gaoyi bank and favorable bank are willing to become the most reliable backer of Xiangji bank."

Ma Yongda glanced at his silent father and said, "instead of letting the shareholders of blockbuster group and Merrill Lynch Securities Group reach into Xiangji bank, it's better to let the meat rot in their own pot! Dad, what do you say?"

"I naturally believe in Sir Gao." Ma Jingxi's tone was extremely lonely. "I was just a little confused suddenly. I asked myself how I would fall into such a big somersault in my 60s. Does God care for me so much?"

Seeing Ma Jingxi's sudden loss, Gao Xian instinctively felt that this was not a good thing. After all, Ma Jingxi was old and very easy to get sick from his heart, so he quickly gave Ma Yongda a wink.

Ma Yongda hurriedly comforted his father and said, "Dad, you don't need to worry. With brother Xian, Xiangji bank and Xiangji group will be fine."

Ma Jingxi's eyes turned around Gao Xian and Ma Yongda and sighed wistfully, "just do as Sir Gao meant. Yongda, you should learn from your brother Xian and Yongfa will be independent in Vancouver. You have to pick up the stall of Xiangji group in the end."

Feeling that his father was tired and a little old, Ma Yongda repeatedly promised, and Gao Xian said positively: "Yongda is my brother. Our two families share the same spirit and naturally take care of each other in business."

After leaving, Gao Xian slightly frowned to remind Ma Yongda, "I feel that Ma Sheng's heart seems to vent all at once. Such a sudden change is by no means a good thing. I'm afraid it will affect your health. You should pay more attention."

"I see." Ma Yongda did not forget to explain, "brother Xian, although dad has some old-fashioned ideas, he will never have a suspicious mind about you. Don't think about it."

"Of course I know." Gao Xian affectionately patted Ma Yongda on the shoulder, smiled, then got into his car with ease and waved away.

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