Chapter 321 Discussion on Private Banking (1)
"Xiaocheng is right." Liu Muqian said to Yang Yuanshan triumphantly like an old child.
Yang Yuanshan's attitude towards his grandson has always been kind, "Okay, then I'll do it."
"Dad, what's the plan at the bank?" Yang Sen asked Liu Muqian with a smile at the joke of the two old people.
"Sigh~, I sent someone to collect a bunch of information on Swiss private banks, and found that there are not many that meet our requirements." Liu Muqian sighed deeply, and said rather disappointed.
Speaking of private banks, most people immediately think of financial empires such as UBS and Citigroup, which are world-renowned because the scale of assets managed by their private banking departments is among the largest in the world.
However, in Switzerland, the birthplace of private banks, there are hundreds of small independent private banks. Although their names are not well known, if the huge wealth under their management is exposed, it will definitely shock everyone. eyeball.
Moreover, these banks are all family businesses that have been passed down from generation to generation, and many of them have lasted for hundreds of years, and still retain the most classical noble lineage and noble quality. "Blue Blood Nobility", similar to the hotel field, independent of Marriott, InterContinental, and Hilton boutique hotels, such as Aman.
And the target of the Yang family is hidden in these "blue blood nobles".
Yang Cheng didn't know a lot about banks, but he knew a little bit, "Grandpa, as far as I know, the top private banks in Switzerland are Longao Bank and Pictet Bank, right? Don't these two meet our requirements? ?”
Liu Muqian was stunned, and then said helplessly, "Do you know how much wealth these two banks manage?"
Yang Cheng shook his head to express that he didn't know.
"Take Longao Bank as an example. This private bank, established in 1796, has more than 200 years of experience in the financial industry and manages assets of more than 200 billion Swiss francs. It adopts the family partnership system and combines its own interests with the interests of customers. Binding, and never introducing foreign shareholders, both prosperity and loss with the bank, has an extremely solid customer base, the core capital ratio is as high as 22.6%, almost three times the international standard, even if you sell Yuanshan, you can’t buy it come down."
When Liu Muqian said this, there was a hint of admiration, and he obviously admired this private bank that is not very famous.
However, according to my grandfather, Longao Bank is a low-key boss, at least in terms of compulsion, it is much higher than Citigroup and Merrill Lynch.
This kind of business philosophy is also in line with the conservative and old-fashioned temperament of those Swiss bankers. In Geneva, there is a well-known saying: To live a comfortable life, you must live a low-key life. Yang Cheng felt disapproving when he heard this sentence before. In the eyes of him and all the descendants of American capital, the most comfortable thing is to follow one's own wishes, do whatever one wants, and deliberately suppress one's character, which is not a sign of comfort.
But now, thinking of this sentence again, Yang Cheng suddenly felt that it made sense. Neither private banks nor their clients usually like to show off. The foundation, otherwise let alone 200 years of inheritance, even 20 years will not be able to persist.
Liu Muqian had a look of reminiscence on his face, his thoughts drifted into the distance, and he said slowly, "Speaking of Long Ao, the legendary private bank, it left a deep impression on me. It was in 1994, the year of my life. It was the first time I visited Geneva in the west of Switzerland. I still remember that there was an Iru bridge on the gurgling Rhone River. I walked across the bridge to the cultural and educational district lined with theaters and art galleries, and walked in the quiet Kola. On Tory Street, you will soon see a stone building at number eleven on your left.
Although the building is not gorgeous and has no signboard, it exudes an unusually calm atmosphere. The tour guide at the time told me that this is the Longo Dachen Bank, known as the oldest private bank in Geneva. I didn't think much about it at the time, almost Subconsciously pushed open the heavy door, and saw two people wearing dark blue suits,
An old gentleman who looked like a court steward came towards me. . . "
Following Liu Muqian's narration, a beautiful scene appeared in everyone's mind. It is located by a beautiful river, surrounded by green trees, and the warm sunshine shines on a seemingly ordinary and ancient brick and stone house. Building, who knows how much wealth is hidden in this building!
In Yang Cheng's impression, this is the classic image of a traditional Swiss private bank: the brilliance of glory is in stark contrast to the low-key style. In contrast, those ostentatious rich people always look a bit like clowns with teeth and claws.
It may be because Swiss private bankers are basically from Protestantism. They advocate frugality, diligence, humility, integrity, self-esteem, oppose extravagance and corruption, laziness and incompetence, lack of temperance, and betrayal of faith.
Perhaps it is because of this that the Swiss were able to start the history of private banking, and pass down the low-key, confidential, and privacy-respecting banking tradition from generation to generation, becoming a model for private banks around the world.
Involuntarily, Yang Cheng began to yearn for owning such a bank.
The whole family was immersed in Liu Muqian's beautiful description. At some point, there was a sound of footsteps. Yang Cheng kept his upper body still, but turned his head slightly. Anna, the head maid of Beihai Manor, appeared behind her, wearing a brand new gray uniform , with a rainbow-colored silk scarf tied around her collar, she looks elegant and calm. Sure enough, people depend on clothes. Anna, who was originally wearing a maid outfit, looked a little immature. Variety.
Oh, I forgot to mention, after Carson's recommendation and Anna's careful consideration, Anna, who just turned 23 years old, signed a contract with Yang Cheng as a personal maid for 20 years. During these 20 years, Anna Not only does she have to serve and take care of Yang Cheng’s daily life, but she also has to take on responsibilities such as nuan bed and venting. Well, it sounds a little weird, but when you think of the high annual salary of 150,000 pounds per year, which exceeds the average salary of white-collar workers, and the fact that there is no set The bonus of the upper limit may not be so difficult to accept.
"Master, Mr. Liverpool Ayer's phone number, and a fresh fruit plate." Anna bent down, and respectfully presented Yang Cheng's mobile phone. Her body exudes a faint fruity fragrance. This is the type of perfume Yang Cheng asked her to wear. It doesn't smell pungent, and it has a refreshing feeling after the new rain in the empty mountains and the weather is late in autumn.
Although Yang Cheng hasn't officially picked it yet, Anna already has the awareness to devote herself at any time, so whenever she gets close to Yang Cheng, a cloud of water mist rises unconsciously from her big nimble eyes, which is extremely attractive.
Yang Cheng answered the phone, swipe her finger under Anna's slippery hand deliberately, put on a teasing smile, and pouted her mouth, "Put down the fruit plate, is breakfast ready?"
"Breakfast will be ready in 10 minutes, master." Anna naturally felt the master's little movement, her cheeks were hot, but she still bent over, folded her hands on her lower abdomen, full marks for etiquette, and it's no wonder that Carson strongly recommends Anna As Yang Cheng's personal attendant.
"Understood." Yang Cheng answered before raising the phone to answer, "Ian, it's me, what's the matter?"
"Oh, boss, I'm sorry to disturb you so early, but today is a big day for Liverpool, the Double Red Club, I wonder if you will come to watch the match?" ()
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