Rebirth of the Strongest Tycoon

In 1944, the Pacific War was drawing to a close. In Thailand, three Chinese businessmen headed by Chen Bi wanted to establish a domestically registered bank called Bangkok Bank. On December 1, 1945, Bangkok Bank obtained a commercial bank business license.

In 1952, Bangkok Bank's total assets had reached 100 million baht, which increased to 880 million baht by the end of 1960. In the same year, Bangkok Bank had more than 800 staff, 19 domestic branches, and 6 overseas branches, including two branches in Hong Kong and one branch in Singapore, London, Kuala Lumpur and Tokyo.

In 1976, the number of overseas branches increased to 14.

According to the original development of history, this head office is located in Bangkok, Thailand. Bangkok Bank, which is privately held, will surpass the No. 1 Thai King Bank among the state-owned banks in Thailand, and develop into the largest commercial bank in Thailand, with total assets reaching 51 billion yuan. Dollar.

And become the seventh most important regional bank in Southeast Asia!

And Bangkok Bank can grow to the height of the future, founder Chen Bicheng is a great contributor!

Under the management of Chen Bicheng, Bangkok Bank has become the backbone of Thailand's economy. In 1983, the US "Finance" magazine listed Bangkok Bank as one of the top 12 commercial banks in the world. In 1984, Chen Bicheng was listed as one of the 12 richest people in the world.

Among the 16 Thai banks and 14 foreign banks in the country, Bangkok Bank's deposits, loans and total assets are the largest in the country. Its operating scale accounts for more than one-third of Thailand's 30 banks combined.

According to statistics from the 1985 issue of "Asia is Leaping" by the island country's economic news agency, Chen Bi's family wealth was estimated to be US$2.2 billion, ranking first among the top ten richest people in Asia at that time. Among the twelve richest bankers in the world published in 1983 by the American "Finance" monthly magazine, Chen Bicheng was named on the list. He was selected as the Outstanding Banker of the Year in 1982 by the world's leading financial and banking magazine "Asia".

All of this is inseparable from his principles of being a man and doing things.

His approach of "employing people without doubts or not" makes Bangkok Bank employees work hard and are willing to sweat for the company.

Every entrepreneur has his own way of doing business, and Chen Bicheng's business philosophy is different. "Starting a bank is a business, not just a financial business," he said. "When I judge whether a business is viable, I just look at the customer himself, his past and his family."

Therefore, in Southeast Asian countries, many rich and wealthy rich people have received the support of Bangkok Bank at the beginning of their business. Bangkok Bank has business dealings and all rely on Bangkok Bank for working capital.

This virtuous cycle,

Make Bangkok Bank grow like a snowball.

It's a pity that just last year, Chen Bicheng passed the position of president of Bangkok Bank to Huang Wenbo, an old employee due to personal reasons, and he stepped back behind the scenes.

Of course, he can rest assured to retreat behind the scenes, firstly because of his health; secondly because, in Thailand, the foundation of Bangkok Bank has been established, and it is firmly in the position of hegemon; thirdly, the most important reason is that among his sons The most outstanding second son, Chen Youhan, who has won his skills, has already entered the board of directors of Bangkok Bank and served as vice president. After a few years of training, he will succeed Huang Wenbo and become the president of Bangkok Bank. Huang Wenbo is just a transition.

Although Chen Bicheng has stepped back from the background, Bangkok Bank is still developing according to his will.

Because Bangkok Bank has established its roots in Thailand, expanding overseas has become the primary goal of Bangkok Bank.

In Southeast Asia, the most economical and financial center is Hong Kong, followed by Singapore.

To this end, Chen Bicheng sent his eldest son, Chen Youqing, to Hong Kong to take care of the Hong Kong Commercial Bank he opened.

Heung Kong Commercial Bank, in fact, Bangkok Bank holds a part of the shares. It can be said that it is a branch of Pangu Bank. It continues the purpose of Bangkok Bank in Hong Kong and tries its best to help Chinese businessmen and make them develop better.

Adhering to his father's management method, Chen Youqing has a very peaceful personality and is kind to others. Therefore, even in Heungkong, which has more than 300 branches of banks and financial institutions, and has huge competition pressure, Heungkong Commercial Bank can still operate very well.

Not long ago, in order to build the Sing Tao News Agency and run the company, Hu Xian took a loan of 10 million Hong Kong dollars from the Hong Kong Commercial Bank. At that time, Chen Youqing personally agreed to lend the money.

At that time, although "Sing Tao Daily" was impacted by "Fengyun Daily", a series of explosive developments of manipulation of public opinion after "Fengyun Daily" had not yet occurred, so Chen Youqing believed after analysis that Sing Tao News Group still had a war. Power.

Moreover, the purpose of Hu Xian's loan is to build Sing Tao News Agency. As long as it is built, even if there is pressure from Jiuding Newspaper Company, it will be able to protect itself.

What he didn't expect was that the subsequent development was completely beyond his expectations. Jiuding Newspaper Company made a big acquisition and expanded, but Sing Tao News Group made a foolish move. , the gap is further widened, and Sing Tao News Corporation is at risk.

As a result, the loan he made is at risk.

Chen Youqing had to pay attention to the loan of 10 million Hong Kong dollars, so he specially sent someone to investigate and analyze it.

In the office of the president of Heung Kong Commercial Bank, 46-year-old Chen Youqing flipped through the analysis and investigation report handed in by his subordinates, frowning slightly.

After a long time, he gently put down the analysis and investigation report, and said to himself with some sighs: "It's difficult, now the value of Sing Tao News Corporation has shrunk significantly, and as time goes by, there is a 90% chance that it will further increase. shrink."

Thinking of the loan he gave out, Chen Youqing felt a little helpless and lost sight of it!

At that time, when Sing Tao News Group came to loan, Chen Youqing gave Sing Tao News Group a valuation of 50 million Hong Kong dollars, but he gave Hu Xian an eight-story loan, and Hu Xian loaned 10 million Hong Kong dollars and mortgaged it. 25% stake in Sing Tao News Corporation.

But today, before the siege of Jiuding Newspaper Company, the sales of "Sing Tao Daily" has dropped by more than 100,000 copies in a few months, and the value of Sing Tao News Group has shrunk to less than 40 million Hong Kong dollars. .

In other words, Hu Xian mortgaged 25% of his shares in his bank, and the value was less than 10 million Hong Kong dollars. Even if the interest was not included, he had already suffered a loss.

And anyone with a discerning eye can see that with the completion of the rectification of the four newspapers acquired by Jiuding Newspaper Company, the entire Sing Tao News Group will be affected in all aspects, and the sales of the two newspapers will be further reduced.

His losses will be even greater.

So the best way now is to take back the loan and stop the loss, or ask Hu Xian to sign a new loan agreement to increase the mortgaged shares.

"President, why don't we..."

The manager standing in front of Chen Youqing said.

But as soon as he spoke, Chen Youqing knew what he wanted to say, shook his head and interrupted: "Don't do it for now, things haven't reached the point of no return, if we do this now, we will be in trouble, and our reputation will be affected. ."

The manager nodded silently, and then asked: "Then president, what should I do next, please instruct me."

Chen Youqing pondered for a moment, then slowly said: "After all, the value of Sing Tao News Corporation exceeds our loan amount, and Hu Xian is a woman again. Let's not push too hard, let's take a look first."

"I'm afraid that Sing Tao News Group has also borrowed money from other banks before. We don't know the total loan amount now. Even if we don't take action, we can't guarantee that other banks will do it..."

The manager couldn't help but say.

Of course, Chen Youqing has taken this into consideration, but what he values ​​more is the reputation he has accumulated over the decades, and now he has only just incurred a loss, not yet to the extent of his debt collection, so he shook his head and said, "This matter we Don't start, just watch it for a month or two, unless it's irreparable, but you have to send someone to watch, go."

"OK!"

The manager nodded in response, and then slowly exited the president's office.

After his subordinates were pushed out, Chen Youqing looked back at the plaque with the words "Be kind to others" hanging on the wall, and reaffirmed his approach.

"Good luck, and hopefully other banks won't push you..."

For a long time, Chen Youqing muttered to himself, and then he stopped thinking about it and devoted himself to his work.