"It seems that I am over-worrying, so let's do this. I'll call Peter and transfer HSBC to the umbrella holding company, but you have to worry more." Zhao Yi said.
"It won't actually add much burden to me. Each company is responsible for most of the work, and supervision and other measures have also been streamlined. Employees in the holding company can complete it, and I only need to do it every month. Look at the report." Lin Hexia said.
Although Lin Hexia said it lightly, the real situation is definitely not as simple as she said. Every company under the holding company is not small, even if it is a retreat type of work, there is a lot of it, and it is not as leisurely as she said.
Zhao Yi then called Peter and informed him of his decision, asking him and Lin Hexia to complete the relevant share transfer procedures.
This kind of thing can't be completed in a day or two. Peter and Lin Hexia will be responsible for the follow-up work. He plans to return to Kyoto tomorrow. He still has a lot of things to do and doesn't have much time to hang out.
"I have already called Peter. You can just hand over the issue of HSBC shares to him, and I won't get too involved." Zhao Yi said.
"No problem, we can do these little things ourselves, so you won't have to worry about it." Lin Hexia said with a smile.
"Well, I believe you can handle it, but there is one thing I need to explain. After the handover of HSBC shares is completed, you will let HSBC and my Xinghan Technology Company connect.
Xinghan Technology Company is currently preparing to develop an online payment system. The preferred cooperative bank in China is China Minsheng Bank, and the cooperative bank outside the mainland is HSBC.
Don't underestimate the online payment system. This is one of the infrastructures of the future Internet era, and it will be able to extend many functions in the future and play a huge role. Its future prospects are no less than those of a very large international bank.
So you must pay attention to this matter, but judging from the current global layout of HSBC, it is very difficult to make Xinghan Technology's online payment spread all over the world.
In the next period of time, HSBC will need to expand globally. If it can acquire other banks, it will acquire them. If it cannot acquire, it will see if it can get a banking license in that country.
As for the relatively small number of public deposits that the new bank has attracted, don't worry too much. The turnover generated by my companies in international trade is very scary, and it can fully cope with the problem of insufficient capital reserves of HSBC.
Of course, for some matters with very obvious risks, you need to do a good job in controlling them, and you cannot allow people from HSBC to mess around. Although HSBC has been cleaned up, it is inevitable that some fish will slip through the net.
The greater the process of large-scale expansion, the easier it is for others to take advantage of the loopholes. If you want to prevent these risks, you can only conduct sufficient investigations before taking action, conduct strong supervision during the action, and provide follow-up feedback afterwards. "Zhao Yi gave special instructions.
To be honest, although HSBC had been acquired for some time, its business had not grown significantly during this period, which made Zhao Yi very dissatisfied.
His acquisition of HSBC was not just because of HSBC's reputation, but also because HSBC needed to play an important role in the world and provide complete global financial services and business support for Zhao Yi's companies.
In its current state, HSBC's main business is still in Asia, especially in East Asia. Although there are some businesses in other regions, they are not very good.
This is why Zhao Yi wants to place HSBC under the umbrella holding company and let Lin Hexia supervise it, which can put more pressure on them and intervene in their business activities more directly.
After hearing Zhao Yi's words, Lin Hexia paid more attention to this matter. Although she could not imagine the importance of the online payment system, she would choose to implement Zhao Yi's plan unconditionally.
"Well, I will step up supervision to get this matter done, and at the same time, I will urge HSBC to expand more actively." Lin Hexia said.
Now that he plans to make things clear about HSBC, Zhao Yi doesn't plan to be as secretive as before. Many systems developed by Fanxing Software Company for bank management can also be used by HSBC.
Various machines provided by Precision Instruments that save labor costs and service quality can also be introduced by HSBC, which will play a great role in reducing costs during their international expansion.
At the same time, HSBC can also slowly replace the servers produced by other companies in the company and switch to servers from Polaris.
In the past, most large international companies used IBM's large servers. This was IBM's old business, and the hardware in IBM's servers was basically designed and manufactured by IBM itself.
This involves security issues. With the U.S. government’s behavior, it is really possible to install a backdoor in it, so for safety reasons, these things must be replaced.
Moreover, by replacing HSBC with a new management system and implementing a new operating model, these hidden dangers will be completely resolved without causing any consequences.
“Today’s technology is changing with each passing day, especially in software and electronic semiconductors. New technologies and technologies appear every year, so banks, as traditional enterprises, also need to keep pace with the times.
For example, the introduction of automatic teller machines, which were first used in China Minsheng Bank, allows users to deposit and withdraw money 24 hours a day. This not only reduces the workload of employees, but also saves the number of workers and provides more convenient services to customers.
In order to facilitate the management of Minsheng Bank and reduce human errors, Fanxing Software Company developed a series of management systems for Minsheng Bank, which greatly improved efficiency and reduced costs and errors.
I think this can also be introduced by HSBC. First, the business will not go to outsiders, and the business will not be given to anyone. Moreover, Fanxing Software Company has accumulated a lot of experience in this area and has unique insights into bank informatization and modern management.
The second is information security issues. With the expansion of internationalization, it is inevitable that the original interest pattern will be broken. It is not ruled out that some people use unconventional means to target them, so it is safer to use your own system.
In addition to software, Polaris has also developed advanced servers for banks. The hardware is our own from the inside out, and the security is more guaranteed. It can also help Polaris open up the advanced server market.
Another option is to ask HSBC to develop its own online banking system. Although the Internet has just started, future Internet users will definitely be very scary.
In order to facilitate the needs of the majority of Internet users, I think it is very necessary to carry out online banking services, and it is also one of the important means for HSBC's future international expansion.
Of course, Internet security is a problem, but Fanxing Software Company has relatively complete solutions to these problems, which can minimize problems in this area. " Zhao Yi said.
After listening to Zhao Yi's words, Lin Hexia of course agreed one by one. As the same saying goes, this reason is enough, not to mention that Fanxing Software Company, Precision Instrument Company and Polaris Company are all leaders in their respective fields. By.
There is no reason not to use their own products. In the past, they did not use them because they did not have related products. Now that they have them, they will definitely use their own products first.
"Well, I have written it all down. After the handover of the HSBC shares, I will handle these matters as soon as possible without delaying your plan." Lin Hexia said after closing their notebooks.
After explaining these things, Zhao Yi's arrival in Hong Kong has been completed. As for the inspection of Time Cinema Company and ATV, it is not necessary.
These two businesses are quite stable. Hong Kong Time Cinema's business is already like this and will not expand on a large scale. If no major events occur, their revenue will be very stable.
Lime Entertainment now has about 4 to 6 special effects blockbusters released globally every year, which can bring relatively stable income to Hong Kong Time Cinemas, while the annual film output of other film companies is also relatively fixed.
Therefore, Zhao Yi does not need to worry about this aspect. It is the most worry-free company. Of course, there will not be many surprises. Zhao Yi did not expect them to do much at first. They will just act as the global distribution channel of Qing Ning Entertainment Company. That's it.
As for ATV, although its business development is very good every year, after all, the scale is there, it is impossible to make rapid progress, and the localization work has just been launched, and the effect is not obvious yet.
Now their president Liang Qingyan is doing very well.
Not to mention that Zhao Yi needs to worry about it. Even Lin Hexia doesn't need to worry about ATV. According to Lin Hexia, she only needs to sign the monthly report.
"We are going back to Kyoto tomorrow. We have a lot of things to do and don't have much time to play here." Zhao Yi said.
"If you leave so early, why don't you stay for two more days?" Lin Hexia asked eagerly.
"There are too many things going on, and they must be dealt with as soon as possible. I really don't have time to stay longer." Zhao Yi replied affirmatively.
"You're used to staying at home. Jin Yu finally came to Hong Kong, but we sisters didn't even have time to go out and hang out." Lin Hexia said.
"Don't we still have one afternoon? You can go out for a walk in the afternoon. Just remember to bring security personnel with you." Zhao Yi said.
After hearing what Zhao Yi said, Lin Hexia rolled her eyes at him and didn't want to talk to him anymore. She took her notebook and entered the room, leaving Zhao Yi alone on the chair in the study.
Doesn't Zhao Yi know what Lin Hexia is thinking? He must know it, but it's just that he can't deal with this feeling at the moment, so he can only resort to dragging.
Lin Hexia is already 25 years old. In this era, she is already an old girl, and he is already 23 years old, which is not too young. In this era, most people have already started families and become fathers.
It's just that his current status is too sensitive, and it is not suitable to marry Lin Hexia from an official family. He can only delay it until a solution is found.
I believe Lin Hexia also knows Zhao Yi's situation, but as a girl, she still has some romantic feelings. She just hopes that Zhao Yi can spend more time with her.
After lunch, Zhao Yi, who had not planned to go out, remembered Lin Hexia's disappointed eyes and decided to go out with Lin Hexia and Zhou Jinyu.
Since Lin and Xia's status was now sensitive, the three of them also put on makeup before going out to play.
Early the next morning, the special plane took Zhao Yi and Zhou Jinyu straight to Kyoto. After arriving in Kyoto, Zhou Jinyu returned to the Normal University, while Zhao Yi submitted a meeting request to the Central Bank.
If you want to carry out online payment services in the mainland, it is best to obtain permission from the central bank. Although this is a new thing, it is not impossible to conduct business naked. After all, it is not prohibited by law.
Just like Alipay and other payment tools in the previous life, they were not formally recognized at the beginning and were all being implemented on the fly. The government also made legal decisions temporarily and regulated on the fly.
That was Boss Ma's helpless move before, but Zhao Yi's situation is completely different from his. First, his status is very different. Second, Zhao Yi is not an ordinary businessman, so there is no need to worry about him doing anything random.
Of course, if adverse consequences do occur, Zhao Yi's asset size will be enough to cover these consequences. This is one of the reasons why the central bank dares to grant him permission.
Sure enough, after discussions between the two parties, and with Zhao Yi's repeated assurances that there would be no problems, and that if a problem did arise, he would be the one to take care of it, the matter was finally done.
In fact, as long as the security of the online payment system is properly protected, there is not much danger. His full guarantee is actually a verbal promise, and the probability of it happening is very low and can be ignored.
After obtaining the permission from the central bank, the next step is to carry out online payment negotiations with various domestic banks. Only by persuading more banks to participate can the online payment system have greater room for development.
Otherwise, if others use your online payment system, and no bank card at home supports it, then others will instantly lose their desire to use it.
Although Minsheng Bank guarantees that business cannot be carried out, not all consumers have Minsheng Bank accounts, and most consumers will still be blocked.
If you want to accomplish this, you must first persuade the four major state-owned banks to join in. Of course, the current Industrial and Commercial Bank of China cannot be called one of the four major banks because they were just established last year and are still very weak.
However, Zhao Yi did not dislike it at all and still included it in the key negotiations and gave it the treatment of the four major banks.
One advantage of Zhao Yi's negotiations with these banks is that they are all shareholders of Minsheng Bank, which makes Zhao Yi's negotiations with them much more convenient.
When Zhao Yi personally visited the heads of major banks, he went straight to the point and told them about Xinghan Technology Company's online payment system.
He didn't do Tai Chi by turning left and right, that would be a waste of time.
The result was neither good nor bad. They all told Zhao Yi that an internal meeting was needed to evaluate the matter before they could give him an answer.
This is what it should be. When facing new things, you can't just rely on what others say and they will believe it. You need to convene people to hold a meeting to discuss the matter and think through the pros and cons.
And they may also want to think about how to get some benefits from this matter. After all, it is very difficult for Zhao Yi to beg them. In the past, they couldn't find any opportunities, and it was often their chance to beg Zhao Yi. More.
For example, the problem of capital storage of Zhao Yi's enterprises. You must know that the amount of funds of these enterprises is very large. Every bank wants to get this business, and it would be better if it can monopolize it.
This is one of the reasons why Zhao Yi personally handled this matter, because they both have an interest relationship with Zhao Yi, and they are the ones who benefited from Zhao Yi. Without a suitable reason, it is really difficult to refuse Zhao Yi's request for cooperation. .
Zhao Yi also thought about this matter, because he was afraid that they would refuse to cooperate with him because the central bank did not have relevant approval documents, so he took the lead in obtaining the permission from the central bank, so that these banks would have no excuse to refuse.
Zhao Yi did not sit at home and wait for their reply. After talking to the heads of the four major banks about the online payment system, he flew to Shanghai and came to the headquarters of Minsheng Bank.
It is said that since the last board meeting, Zhao Yi has not paid attention to the situation here. This time, even if Minsheng Bank and Xinghan Technology Company were asked to cooperate in the online payment system, he stopped by to inspect.
The headquarters of Minsheng Bank is still the same, but it is not as lively as before. With the opening of various branches of Minsheng Bank, the headquarters no longer handles personal business.
The previous business hall has been abolished, and personnel have been transferred to other branches. This is a simple headquarters, managing all major branches.
Zhao Yi looked around and found that there was still a row of teller machines nearby. Zhao Yi took out his Minsheng Bank card, inserted it and took out 1,000 yuan. He just wanted to see the difference between these teller machines and those in his previous life.
Even though 1,000 yuan is very small, it is indeed a thick stack when you take it out. The largest denomination of banknotes in the country is only 10 yuan. If you want to see 100 yuan banknotes, you still have to wait a few years.
In fact, my country's first edition of RMB had a face value of 100 yuan and was issued in 1949. As for why it was not widely circulated later, Zhao Yi is not very clear.
It may be that the face value is too large and does not have high liquidity, so there will be no more 100 yuan face value in the future.
After withdrawing money, Zhao Yi gave this cash machine a high evaluation. It was not much different from the one he used in his previous life. It was very easy to use. This showed that the precision instrument company had put a lot of thought into this matter.
After that, Zhao Yi went directly to his office at Minsheng Bank. Although he only came once or twice a year, his office still existed. As for a secretary, it was not equipped.
Minsheng Bank wanted to assign him a secretary, but he only came here once or twice a year, so there was no need to assign him a secretary. Wouldn't it be a waste of money, so he rejected it.
After arriving at the office, Zhao Yi directly called Song Yi and asked him to come to his office.
Song Yi received the call from Zhao Yi without any surprise or surprise. It seemed that someone had tipped him off during the time he went upstairs. Zhao Yi put down the phone and smiled.
Although it rarely happens that he comes to visit him, if he is not sensitive, it seems that he really lives a free and independent life, and no one seems to pay much attention to his situation.
In fact, these are just illusions. Whenever his special plane takes off, it is estimated that many people will have relevant news on their desks. Zhao Yi has gradually become accustomed to this. When he reaches his status, he has to bear some costs himself. (End of chapter)