As the richest man in Hong Kong, So Yip-Hao was regarded as a "walking money god."

He had only tentatively decided on the land acquisition in the afternoon, and by evening someone had already taken the lead, contacting representatives from several well-known local enterprises, arranging two tables on a painted boat on the Qinhuai River.

The atmosphere of dining on the boat was quite unique.

It was a pity that without the charming ladies on the shore, waving their handkerchiefs and giggling, "Come up and play, Master," So Yip-Hao felt something was missing.

While eating and drinking, he listened to introductions about various projects.

Among them, he unexpectedly learned that Jinling Bank was preparing for external financing. So Yip-Hao immediately took note of this, but to avoid offending anyone, he wasn't in a hurry to express his interest.

After dinner that evening, he had Linda Yun call the bank using the number on the business card, mentioning that if they really wanted financing, he could help solve their funding problems.

Currently, mainland Chinese banks were being treated as junk stocks, with rumors even spreading that "all banks are technically bankrupt."

Many people at home and abroad had lost confidence in the development of mainland Chinese banking, holding extremely pessimistic views. Foreign capital also dared not enter the mainland financial industry, especially banks, treating them like landmines that could explode at any moment.

Regarding these views.

As someone who had been there before, So Yip-Hao could only say that these people were too young, neither understanding the methods above, nor underestimating the prospects for mainland economic development.

The saying goes, "Be fearful when others are greedy, and greedy when others are fearful." Entering the game now seemed a bit early, but the cost of financing was also lower, making it very suitable for private equity investment through 5s Asset Management.

Considering that within 5s Asset Management, there was still a considerable amount of capital injected proportionally by various shareholders when the company was founded, keeping it on hand was equivalent to wasting it, and it needed to be converted into high-quality assets in a timely manner.

After the phone call.

So Yip-Hao's side was calm.

He stayed at the Jinling Hotel, turning up the air conditioning and heating, drinking yogurt to soothe his stomach, and using his laptop to check news from various places, while replying to some business emails.

Around nine o'clock in the evening, he even made a phone call to the little girl, promising to bring more hairy crabs back to Hong Kong, and also to look for delicious local specialties.

Jinling Bank, on the other hand, was in an uproar, with executives making frantic phone calls, seeking instructions and discussing the matter late into the night.

......

The next morning.

So Yip-Hao followed the hotel staff's recommendation and found a breakfast shop called "Chicken Cry Soup Dumplings," where a basket of chicken soup dumplings, plus a bowl of duck blood vermicelli soup, suited his taste perfectly.

Before he had finished breakfast, Linda Yun received a call, inviting them to the Jinling Bank headquarters to discuss the details of financing.

Planning to visit the Zhongshan Scenic Area, So Yip-Hao shook his head and asked her to decline, only saying that he would have someone else responsible for contacting them later.

For the time being, it was just an intention, and there was nothing to talk about, so there was no need to waste time on formalities.

After Linda Yun hung up the phone.

So Yip-Hao asked Fung Tin-choi, "What do you think about the development prospects of mainland Chinese banks?"

Fung Tin-choi wiped his foggy glasses and answered casually without thinking,

"The office has investigated relevant data, and I happened to have read that information."

"After their statistics and investigation, they found that about 30% of the non-performing loans of mainland Chinese large commercial banks are caused by external interference, 30% are formed by providing credit support to state-owned enterprises, 10% are due to inadequate legal environment, and another 10% are formed by some enterprises undergoing industrial structure adjustment."

"Overall, only 20% of the non-performing loans are caused by the large commercial banks' own mismanagement of credit. If we can invest in banks for rectification, I believe that with the economic boom in mainland China, as long as we do a good job in risk control and management, mainland Chinese banks will be very profitable..."

After he finished speaking, So Yip-Hao wiped his mouth with a paper towel and smiled,

"That's right, mainland China is about to join the WTO. After the transition period, foreign banks will also be allowed to enter. Judging from the movements in recent years, the intensity of banking reform is definitely not just thunder without rain. I once made a bold statement that as long as open-ended funds are launched as soon as possible, I will raise 60 billion RMB within three years to help a group of enterprises, and perhaps half of it will be thrown into various banks."

After a brief consideration, Fung Tin-choi spoke the truth,

"Three hundred billion RMB in three years is not enough for several large banks. At most, it can only help a few medium-sized banks to get through their difficulties temporarily. The key is to jointly promote reform from both inside and outside the banks. Jinling Bank's scale is not large, but it is not small compared to credit unions. It is just suitable as a starting point, accumulating some experience from it to replicate to other banks."

"Also, boss, after the successful rectification, future capitalization operations and listing may be very profitable, which will also help your other businesses, especially investment banking and real estate businesses. Investment banks themselves have related businesses. If they can accumulate some experience and make a name for themselves in the industry, they may be able to use the banking industry as a selling point to help investment banks win the first batch of corporate-level large customers..."

Fung Tin-choi spoke very quickly, but his thinking logic was very clear.

Hearing this.

So Yip-Hao silently glanced at Linda Yun.

Although he didn't say anything, this glance still made Linda Yun's back feel cold. She vaguely seemed to realize something, and an alarm bell rang in her heart.

Compared with Fung Tin-choi, Linda Yun admitted that she was not smart enough, and she always had to have So Yip-Hao explain things clearly. The so-called goods compared with goods must be thrown away... She felt that her bowl of rice was a little unsteady.

Fortunately, So Yip-Hao also thought that Fung Tin-choi was very capable.

He felt that it would be a waste to keep such a talent by his side, only doing some daily chores, so he did not change his mind about replacing his personal secretary, which allowed her to escape a disaster.

Moreover, if you want to be his life secretary, it is not enough to simply be able to manage business.

You also need to be careful and witty, help coordinate the schedules of several girls, and be proficient in finding excuses, making up reasons, etc. The honest and honest Fung Tin-choi would definitely not be able to do it, but Linda Yun was very good at these.

They chatted a few words about the financial industry in mainland China.

Sitting in the bustling breakfast shop, So Yip-Hao was eventually recognized, and he almost caused a crowd to gather.

It wasn't until several plainclothes officers nearby came forward to help maintain order that they left the soup dumpling shop, first went to Jiming Temple nearby, and then took a car to Zijin Mountain.

Taking advantage of the good weather, they climbed the mountain to see the scenery, nothing more.

He wandered around during the day, declined all dinner invitations, and took a plane that night to Lin'an to inspect Taobao Company.

So Yip-Hao moved the headquarters of Taobao to Peng City.

However, in this era, the business atmosphere in the Su Zhe area is indeed more suitable for the development of so-called B2B business, which is to provide transactions between enterprises.

Many wholesalers in the Yiwu area are now trying to provide wholesale services to merchants through the Internet. Last time I talked to Boss Ma, it is said that the transaction volume in the Yiwu area this year exceeded 350 million RMB...