Looking at Li Zhiheng with a smile on his face, He Shanheng took a breath without hesitation.

How much effort did Zhou Wenqiang spend to guide the Hong Kong government step by step, become a district councillor, and put forward legislative suggestions twice, so that he could implement the "mortgage mortgage system" in Hong Kong Island. But Mr. Li just waved a lot of Franklin and rushed over, and wanted to pick peaches directly, and pushed Zhou Wenqiang off the "ship", so that Beiwang Group had no fun?

Is this too domineering?

However, in business, Li Zhiheng's conditions were indeed unavoidable for him to refuse.

As this 'Master Li' said, as the chairman of Hang Seng Bank, he could not have made a lot of money to protect Zhou Wenqiang's interests and harmed the interests of other shareholders and the majority of depositors.

Even though his personal relationship with Zhou Wenqiang is pretty good, he is barely considered a friend.

Perhaps, this is the helplessness of the businessman.

"Old He, Jack, and 'Master Li', why are you so coincidental today? The three of you gathered together?"

He Shanheng was hesitating, and a chuckle came, and Zhou Wenqiang walked in from outside the door.

The top VIP rooms in Peninsula Hotel are not something that anyone can enter just by wanting to enter, even ‘Mr. Zhou’ is no exception.

However, if Mr. Zhou insists on coming in, no one dares to stop him. This is the status of the world. When it reaches a certain level, you can even despise the rules.

The service staff in charge of this VIP private room chased Zhou Wenqiang with a panic look on his face and explained anxiously: "Mr. Li, we... can't stop Mr. Zhou."

"Okay, Zhou Sheng is also his own person, it doesn't matter."

Seeing that it was Zhou Wenqiang, Li Zhiheng immediately stood up with a smile and greeted intimately: "Zhou Sheng, why don't you call in advance if you are coming? Today was originally intended to make an appointment with you, but I was afraid that you would not be able to get out of here. I didn't expect you to come by yourself? This is great. With you, today's meeting will be considered complete."

Zhou Wenqiang laughed and walked over to shake hands with Li Zhiheng, Luther, and He Shanheng intimately, and squeezed at He Shanheng and said, "Old He, you are not kind. You don't even inform me of such a grand event? You shouldn't be conspiring with 'Master Li' to deal with me, right?"

He Shanheng looked embarrassed: "Zhou Sheng, you are so good at joking..."

Zhou Wenqiang smiled and waved to the waiter to give him a cup of coffee. After sitting down, he glanced at the three of them and said with a smile: "Just just talking and joking. In Shangyan Shang, Lao He, as the chairman of Hang Seng Bank, if the conditions offered by 'Master Li' are better, you naturally have to consider the interests of the bank. This itself also protects the interests of me, the 'big shareholder'. If you blame you for this, will I, Zhou Wenqiang, still have a situation?"

He turned his head and called Luther's name again: "Jack, although I am also a shareholder of HSBC, I also hope that you can uphold professionalism and not be affected by it. In the "mortgage resistance" business, we must ensure absolute fairness to me and Mr. Li, both?"

Luther breathed a sigh of relief: "I'll feel relieved if Jay Chou said this."

"Okay, the two major banks that are qualified to join the market have made their statements. Can I listen now? What kind of favorable conditions did 'Mr. Li' give HSBC and Hang Seng?"

Zhou Wenqiang slowly turned the coffee cup in his hand and looked at Li Zhiheng with a smile: "Just think that I, the 'younger', want to learn two tricks, "Master Li" won't teach me, right?"

"Haha, since Zhou Sheng said that, if he hides, it will make people feel that I, Li Zhiheng, have no plans..."

Li Zhiheng was a bachelor, and he told the content of the contract he had just talked about with a smile. After that, he stared at Zhou Wenqiang and said, "The most important thing in doing business is to compete fairly. If Beiwang Group can give more preferential conditions, I will admit defeat on the spot. From now on, Zhou Sheng will take charge of the real estate industry in Hong Kong Island. I will follow you behind you to make a living. How about it?"

"Haha, Li is indeed Li, he is really rich and powerful."

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Zhou Wenqiang sighed: "'Mr. Li's words just now are right. The Beiwang stall is too big. I really have no money in my pocket now. If I were asked to give a rebate commission of 2% per order, it would be impossible."

"I even have to agree with Jack, Lao He, to a reasonable mortgage interest. House mortgage loans are essentially different from ordinary commercial loans. After all, it is not easy for ordinary people to buy a house, and the loan interest should be lower than commercial loans. Now, the interest on commercial loans in Hong Kong Island is generally at an annual interest of 6.5-7.5%. My ideal mortgage loan interest rate should not exceed the number of 6%. I wonder what the two of you think?"

Luther and He Shanheng were stunned for a moment, and they looked at Zhou Wenqiang like a fool.

The newly richest man in Hong Kong is probably forgot his legislative proposal? Once the bill is passed, only HSBC and Hang Seng will be eligible for mortgage business in the next two years. For this reason, Li Zhiheng will not hesitate to give high rebates to win over them.

Zhou Wenqiang and Li Zhiheng are in a life-and-death competitive relationship. Instead of giving more preferential conditions, they persuaded them to lower the loan interest rate? Is this...is this funny?

Only Li Zhiheng looked at Zhou Wenqiang deeply. He fought with Zhou Wenqiang several times. Of course, he knew that this young opponent was not a funny fool, but he just couldn't see Zhou Wenqiang's trump card clearly for a while.

Luther finally couldn't help saying, "Zhou, please forgive my straightforwardness. Why do you think we would do this? Li gave generous conditions, but you asked us to lower the loan interest rate? HSBC is impossible to accept it!"

"That's right. Zhou Sheng, although you are the major shareholder of Hang Seng, the board of directors will also reject you."

He Shanheng also shook his head repeatedly.

"Haha, that's because you haven't seen the essential difference between a mortgage loan and a general commercial loan. The former represents the belonging of the human heart and the most basic living needs of mankind; the latter is purely commercial activities, to make profits. If the loan interest of the two is regarded as equals, will the businessmen still have human hearts?"

Zhou Wenqiang shook his head and said, "Even if people are not concerned about it, ordinary commercial loans are mostly transient. There are relatively high risks in loan types. Even if there is a collateral, the debtor may have to face multiple creditors. And once the debtor enters bankruptcy proceedings, the first thing that is to be compensated is not your bank, but the taxes and workers' wages, etc. So commercial loans are fundamentally a loan with a high risk and a high non-performing rate. I am not wrong, right?"

Luther and He Shanheng were silent.

Everyone is old finance, so how can we not see the huge difference between housing mortgage loans and general commercial loans? In recent days, they have been studying this kind of "special loan" promoted by Zhou Wenqiang, and found that once the system is implemented, not only will the business volume be stable, but the risks that banks have to bear will be far lower than general commercial loans.

They are actually pretending to be confused with understanding.

If two years later, other banks can also apply for entry and start full competition. Such stable and low-risk benign loans will definitely reduce interest rates compared to ordinary commercial loans; but during the two-year "ban protection period", HSBC and Hang Seng can ignore this with their monopoly status, after all, no one will be unable to get over money.

They would never have thought that Zhou Wenqiang, who owned shares in two banks, HSBC and Hang Seng, was supposed to sit with them, but he was reluctant to get along with the money...

"The two-year 'ban protection period' is not too long. If you can see longer-term benefits, you should fully consider home buyers and make slight concessions in terms of loan interest, so as to ensure that you still have a dominant position in two years and will not be impacted by new competitors!"

Zhou Wenqiang smiled and said, "Both are old finance. I don't need to talk too much about this principle, right?"

"Zhou Sheng, even if you are right, this needs to be discussed by the board of directors. And even if the board of directors agrees with you, this is not enough to let us choose Beiwang Group. After all, the conditions given by Li are more generous."

He Shanheng smiled bitterly and said, "Even if you blame me as a friend, I have no choice. For a businessman, making money is always the first priority."

"Jack, Lao He, don't you really think I can't give better conditions, right?"
Chapter completed!