The birth of the Hong Kong Island family

late at night.

On the second floor of the Changjiang Bank, two clerks were resting on a simple 'floor bunk'. In fact, they were on duty at night, guarding the safe on the second floor of the Changjiang Bank. The store has more than 200,000 yuan in assets. Lin Zhichao has never taken any of them home. They always put them in the safe on the second floor, and arranged for clerks to be on duty at night.

very safe!

First, these clerks all have family members and their addresses are recorded;

Secondly, the Yangtze River Bank has several doors, all of which are very solid. After all, it is a bank;

Finally, there is a telephone on the second floor of the Changjiang Bank, so it is very convenient to call the police.

What's more, the safe is not that easy to open; it cannot be opened without a password, and only Lee Shau Kee can open it.

"Brother Fa, do you think this month's bonus will be higher than last month?" Chen Jie asked curiously before going to bed.

Employees of Yangtze River Bank adopt a fixed salary plus profit sharing model. There are a total of six people in the store, and they can enjoy 6% of the store's profits every month. For example, if they earn 10,000 yuan, the six of them can share a bonus of 600 yuan.

Among them, three direct transaction clerks each receive 1.5%; the other three are just security guards and waiters, each receive 0.5%.

Therefore, a skilled worker like Chen Jie, who knows how to distinguish between gold and silver and can do calculations, has a fixed monthly salary of HK$120; with additional dividends, it can reach HK$250~350 per month.

This is a high-paying class in Hong Kong. Of course, no one in this industry has survived as an apprentice. Chen Jie has been in the industry for ten years this year; the important thing is that he has learned the real skills to be worthy of this high salary. If you accidentally get cheated (gold impurities), the company will suffer a lot of losses. As the first handler, they will also deduct money. They may even be fired. Fortunately, Yangtze Bank has always been very accurate when it comes to gold. If they are unsure, they can still ask the shopkeeper, Li Shaoji.

Li Guifa, who is called "Brother Fa" by Chen Jie, has been in the industry for fifteen years. He was once dissatisfied with Li Shau Kee's ability to distinguish gold, but in the end he was convinced.

"Yes, the store business is getting better and better this year, don't worry!" Li Guifa said confidently, and then added: "Don't sleep too hard at night, you won't wake up even if you shout!"

Chen Jie suddenly laughed innocently. It turned out that one time when he was on duty at night, an unknown person had access to the door on the first floor. Li Guifa yelled at him several times but he didn't wake up, and finally kicked him to wake him up.

Of course, the two of them shouted from the second floor window, ‘We have called the police.’ The unknown people immediately dispersed in fright and disappeared without a trace.

In fact, the police were indeed called, but the police came over and made inquiries, so they let it go without any results.

Probably a few hours later.

Li Guifa woke up suddenly. He was not a deep sleeper and would wake up at the slightest movement.

Without saying anything, he slapped Chen Jie hard.

"Brother Fa, what are you doing?" Chen Jie asked confused.

"There's something moving downstairs, get up quickly!" Li Guifa had already taken the lead in opening the window.

The two of them looked down, but they couldn't see the doorway on the first floor, because the arcade or tenement building had an aisle; this aisle had a roof and pillars on the outside side.

Because of this, many refugees slept in this corridor to protect themselves from the rain.

"What are you doing? We have called the police. If you don't leave, you will go to jail!" Li Guifa shouted loudly.

Soon, several people came out of the aisle, their faces covered.

One person looked up at the two people on the second floor, and then raised the muzzle of a black gun.

"Papa"

Frightened, Li Guifa and Chen Jie quickly hid in the room and called the police.

The next morning.

Lin Zhichao came to the Yangtze River Bank and listened to Li Shauji's report. After what happened last night, Lee Shau Kee came forward to solve the problem - communicating with the police, it was impossible to disturb Lin Zhichao.

"The JC Bureau has already started investigating. After all, this is a shooting case. People should be sent to patrol at night, so those people should not come again." Finally, Li Zhaoji analyzed.

Lin Zhichao said suspiciously: "These people have guns, why do they need to act at night? After all, the gold and money at night have been locked in the safe?"

Li Zhaoji suddenly came to his senses and said immediately: "It makes sense. Listening to Afa and Ajie's description, it seems that they are jealous of their colleagues, looking for trouble for us, and deliberately destroying the gate."

"Nine times out of ten, that's the case! By the way, let's go and see where the shooting is!"

Lin Zhichao was very calm. To put it bluntly, these things did not cause him any fear.

The more the enemy behaves like this, the more afraid he is of his strength.

Nowadays, Lin Zhichao can barely control the society. How could he be controlled by the society?

As a result, Afa and Ajie were called, and based on the location of the bullet, Lin Zhichao immediately said: "Work with peace of mind! This is accurate, and it will scare you at first glance. Don't be afraid at night, just do what you have to do!" "

Li Guifa immediately said: "Boss, we are not afraid! They are afraid!" Lin Zhichao patted him on the shoulder and said, "You are right!"

Li Guifa suddenly felt light all over. He was truly lucky to be favored by his boss.

"Boss, do you want you to go say hello to the police station to prevent the police from not doing their best?" Li Shaoji then said seriously.

He knew that Lin Zhichao had certain social connections and would definitely know the senior officials of Bureau J, so he made this suggestion. But the policemen last night were just there to go through the motions and didn't pay attention at all.

Lin Zhichao said calmly: "It's not necessary! Relationships are only used at critical moments, not to mention money, so it's not necessary yet. Let's look at the situation. Anyway, the Yangtze Bank is impregnable, and the purpose of those people is also It’s basically certain. Let’s take a look!”

"OK!"

Afterwards, the two returned to the second floor, where Lin Zhichao learned about the investment situation as usual.

In the past two months, Lee Shau Kee once again made great achievements, speculating in gold with less than 700,000 Hong Kong dollars, and gained more than 200,000 profits.

"It's all industrial gold now, right?"

"Yes, starting from July 10, the Hong Kong Gold and Silver Trade Fair has adopted 94% industrial gold, and the price has also increased according to the proportion of pure gold. It has now risen to about 650 Hong Kong dollars per tael."

Lin Zhichao nodded. The ban on pure gold trading was due to pressure from the Hawking Government to make Hong Kong comply with the 'Bretton Woods System'. Governments or central banks of various countries can exchange US dollars for gold at the official price to the United States. In order to prevent the free official price of gold, The market gold price is impacted, and governments of various countries need to coordinate with the U.S. government to maintain this official price of gold in the international financial market.

In recent years, the price of gold in Hong Kong and the Mainland has not been regulated. Naturally, Yingjiang has to put pressure on the British government. As for the Mainland, Yingjiang cannot control the price, and speculation is not allowed in the JF zone.

"August is the eve of the liberation of Guangdong Province, and a large amount of gold will flow into Hong Kong from the mainland, so I think it may be worth 700 Hong Kong dollars."

The more gold flows into Hong Kong, the hotter gold speculation becomes. Therefore, Lin Zhichao concluded that August was the highest peak of Hong Kong gold, and then it slowly fell, and it may have dropped a lot by the end of the year.

No matter whether it falls or not, some gold merchants from Guangdong will not participate in buying. Smart people know that they can smuggle gold from Omen and cash it out in Hong Kong. Therefore, in the end, gold merchants and financial circles in the Shanghai Stock Exchange took over, mostly.

Lee Shau Kee immediately said: "Okay, I will refer to it."

Lin Zhichao added: "We may not be able to achieve the price of 700 Hong Kong dollars by the end of August. Let's withdraw completely! The stores are also preparing to close. After all, the price of gold is going to fall, and the gold in our stores will naturally be cashed out."

Li Shauji has been with Lin Zhichao for so long, so he naturally understands the key. He admires his boss's clear thinking, decisiveness and lack of greed.

"good!"

Two more days passed, late at night.

The door of the Yangtze River Bank was smashed again, this time even more violently. Li Guifa quickly ran to the window and shouted: "Fight on the street, I called the police. You know who our boss is, how dare you come to make trouble!"

Although he mustered up the courage to scold the gangsters, Li Guifa was actually afraid and did not even stick his head out for fear that the gangsters would shoot him.

This time, Li Guifa and Chen Jie responded with two gunshots and a curse.

The bullet still hit the wall on the second floor, and then the gangsters dispersed again.

Forty minutes later, a group of people gathered at the pier in Sai Wan. It was the gangsters who had just attacked the Yangtze River Bank.

At the same time, Pan Yaoxing was also there.

I saw him confess: "You go to Omen to live for a while, and I will let you come back again."

"Yes, boss!"

Then, looking at the people leaving, Pan Yaoxing showed a smile. As long as no one can be found, who knows that he arranged for someone to do it?

"After doing this twice, Lin Zhichao, the owner of Yangtze River Bank, must no longer be interested in running the business, right?"

"And it's impossible to suspect that I ordered someone to do it. After all, we have no stake. It's most likely a competitor like Yu Dongchang."

Pan Yaoxing showed a sneer and said to himself: "Yu Dongchang, you think I am stupid, but I think you are stupid!"

He understood that Yu Dongchang also had bad intentions and wanted to be his own gunman to drive away a powerful competitor.

But he was thinking that if he did it flawlessly, he would not doubt himself. That doubt would also be a competitor on Bonham East Street like Yu Dongchang.

"Bah, when I win the Yangtze River Bank, I will manage it well and continue to suppress the Richang Bank."

Thinking of such a good thing, Pan Yaoxing went home happily.

that morning.

Lin Zhichao came to the Yangtze River Bank again, looked up at the two bullet holes and thought, the door downstairs was also damaged. Is this the jealousy of his colleagues, or is there another conspiracy?

After a while, colleagues from Bonham East Street came one after another.

"Lin Sheng, I think you should put pressure on the JC Bureau to solve the case as soon as possible. These gangsters are so lawless!"

"That's right, we really think those of us who run a silver and gold shop are easy to bully!"

Everyone comforted him one after another, but in fact they were trying to eliminate suspicion.

Lin Zhichao suddenly said: "I appreciate everyone's kindness! This group of people is very cunning. They fired two shots, hit them twice and ran away, and JC couldn't do anything. I heard from the refugees nearby that the group covered their faces and their movements It’s quick, the whole process only takes two or three minutes.”

After speaking, he observed several colleagues.

Everyone cursed for fear of being suspected.

Lin Zhichao then said: "Don't worry, everyone. We are all in the same industry, and we will definitely not do such villainous things. Otherwise, if you do it and I do it, wouldn't it be a mess?"

"Of course! When you enter this industry, you must follow the rules of this industry."

"That's right, if you are looking for a good business, you can't go astray!"

Lin Zhichao said with a smile: "Don't worry, everyone. I believe that the colleagues on Bonham East Street are probably deserters who have recently come from the mainland. They thought this gold store would be easy to rob at night. They are really stupid."

"Haha, that's right. Which gold shop doesn't take things home at night or lock them in a safe?"

After chatting for a while, Lin Zhichao suddenly said: "It just so happens that I don't like this small business anymore. I plan to transfer out soon. If you have friends, you can introduce me to discuss in detail!"

At this time, Yu Dongchang was also in the crowd. He asked calmly: "Lin Sheng, with your connections, there is no reason to be afraid of these brats!"

Lin Zhichao said calmly: "I'm really afraid of little devils! Haha, but I'm really prepared to transfer it out so as not to be distracted. Everyone knows that my business is so big now, so I've already had this intention."

Everyone nodded and then left.

Later, Lin Zhichao called Li Shauji and said: "Put a sign at the door announcing the business transfer. Then if anyone comes to the door, make an appointment with me and I will talk in person. But the sign at the door can only be left up for one day and then quickly removed."

If someone is doing this, it means that he is paying attention to Cheung Kong Holdings in the dark and can see it immediately; therefore, the "transfer" cannot be kept for too long to avoid confusing the public.

Lee Shau Kee immediately said: "This is a good move, boss. If you transfer the business, you can still get a sum of money. It is much more cost-effective than going out of business directly!"

If the boss hadn't said that gold was going to fall, he would have wanted to take over the Yangtze River Bank business.

Lin Zhichao also laughed at himself and said: "It's really stupid to say it. I didn't know that transferring this business could be worth a lot of money!"

Lee Shau Kee was also a little embarrassed. He made a mistake by not reminding his boss.

However, the boss was so determined at the time that he thought he didn't care about the small amount of money. What's more, the Yangtze Bank Bank had the word "Yangtze River" in it after all, so the boss might not be willing to part with it.

After a while, Lin Zhichao chatted with staff members Li Guifa, Chen Jie and others one by one. Everything was ready. He hoped to catch this person this time. Lin Zhichao planned to use him to establish his power.

"Really? Lin Zhichao really intends to sell Yangtze River Bank?" Pan Yaoxing jumped up happily and looked at Yu Dongchang in disbelief.

Although he had high hopes, when it really succeeded, he couldn't help but fall into ecstasy.

Yu Dongchang said with a smile: "Lin Zhichao said it in front of us colleagues. It can still be false. Moreover, he asked us to introduce him, so of course it is true. However, to be on the safe side, you should go there after a few days. ask."

Pan Yaoxing immediately asked: "Why is this?"

Yu Dongchang said enigmatically: "You left early, I was worried that others would doubt you!"

Pan Yaoxing said "Oh", but he didn't take it seriously. He would go find out the news tomorrow.

"Brother Dongchang, what do you think is the appropriate price for the Yangtze River Bank, if you win it?"

Yu Dongchang thought for a while and said: "The transfer definitely does not include assets, it is just a store, so 50,000 to 60,000 Hong Kong dollars is more appropriate. At the same time, you still have to do business, so you need to purchase another asset, which is probably another It’s 200,000 Hong Kong dollars, which means an investment of almost 250,000 Hong Kong dollars.”

Pan Yaoxing was immediately surprised because his budget was only HK$150,000, and he only had assets of about HK$200,000.

"Here, my brother's funds are still lacking. Brother Dongchang, why don't you borrow 50,000 Hong Kong dollars and repay you soon!"

Of course Yu Dongchang would not borrow, but he suggested: "You only need to pay a transfer fee of about 50,000 to 60,000 yuan. It does not matter for other assets. You can also do business with 150,000 yuan, buy and sell gold, and find foreign exchange. You only need to charge an agency fee." .”

Pan Yaoxing saw that Yu Dongchang changed the subject, but he didn't want to offend Yu Dongchang, so he said: "Then if I take over this store, I hope Brother Dongchang will give you some advice."

"There's no problem with that! What's more, those clerks will definitely continue to work with you as long as you raise their wages!"

"Of course, without those clerks, I wouldn't have taken over!"

After Pan Yaoxing left, Yu Dongchang showed a hint of ridicule.

He understood that the reason why Yangtze River Bank's business was good was because it had a good shopkeeper. It is impossible for this shopkeeper to work for Pan Yaoxing, because he is richer and is a partner with Lin Zhichao.

At the same time, he did not think that Pan Yaoxing was suitable for this business because the atmosphere of the arena was too strong.

As a result, when the business of Yangtze River Bank slowed down, there would naturally be one less competitor.

This time, he will kill one of his biggest opponents without any effort. As far as he knew, Yangtze Bank's store business should have a profit of about 15,000. After all, there were always people coming and going, and only old banks could get this kind of treatment.

the next day.

Pan Yaoxing came to the outside of Changjiang Yinhao's store. After observing it for a while, he was overjoyed because the business was really good.

Then, he walked into the store, pointed at the door deliberately and said, "You have such a good business, do you want to transfer it?"

A waiter then said: "The boss has a big business, so he is ready to transfer. Sir, who are you?"

Pan Yaoxing then explained his purpose, and Lee Shau Kee happened to be upstairs, so he stabilized him. And he also thought that there was no leakage. He just said that he happened to see it when he was passing by and felt that he wanted to talk.

"Okay, since Mr. Pan feels interested, I will make an appointment with the boss for you to talk!" Li Shauji said businesslikely.

At this time, Pan Yaoxing immediately said: "Shopkeeper Li, if I take over this business, please continue to be the shopkeeper here. I guarantee that your salary will be increased."

Lee Shau-kee then smiled and said: "Pan Sheng, you may not know that I am a partner here. I mainly speculate for the boss. After one year, I can earn a very high income, which is not the amount of a part-time job."

He was already being conservative!

"Tens of thousands?" Pan Yaoxing tried incredulously.

Lee Shau Kee smiled, but did not answer the question. Instead, he said: "Several of the store clerks may stay. Pan Sheng can talk about it in detail then."

"Okay! It seems I can't afford to hire Shopkeeper Li!"

Lin Zhichao didn't arrive at the Yangtze River Bank until evening.

After some introduction, Lin Zhichao said: "What did Pan Sheng do before? This line of work is somewhat risky. Some time ago, someone tried to steal our bank account at night. So I won't hide it from you. After all, I am very honest in business." !”

Hearing this, Pan Yaoxing had been deceived so much that he was right. He felt that Lin Zhichao was honest in doing business. Since the business was transferred, he even said this, which was really honest.

However, he was still deliberately surprised, but quickly said: "I'm not afraid. Those people came in the middle of the night, which means they are a bunch of cowards and there is nothing to worry about."

Lin Zhichao wanted to ask, how did you know it was the middle of the night?

I said it was night!

At this time, he was already suspicious of Pan Yaoxing.

After all, his acting skills just now were really bad.

Of course, it may also be due to my own preconceptions.

However, in the subsequent chat, Lin Zhichao quickly found some clues.

"Pan Sheng has never done this business before, how dare he take over it?"

"A friend pointed out!"

"Are you also a colleague?"

"Yes"

Soon, Lin Zhichao's brain started to work: his colleagues on Bonham East Street were jealous and found his friend, Pan Yaoxing, to seduce him.

Next, Lin Zhichao discussed the conditions:

First, he will operate until the end of the first half of August;

Second, the transfer is only for the store, excluding any assets here, and the transfer fee is 80,000.

Pan Yaoxing was soon deceived by Lin Zhichao. He had read the accounts and found that the Yangtze River Bank had a profit of 15,000 yuan in June. Although 80,000 yuan was expensive, it only took more than five months to earn it back.

And this business is stable and risk-free.

"Lin Sheng, can you sell me some of your foreign currency and gold? When the time comes?"

"Of course there is no problem. When the time comes, it will be of equal value."

"Those employees?"

"Except for the six employees in the store on the first floor, all other employees have to follow me."

"A member of the Gold and Silver Trading Center?"

"You need to reapply for this. Chairman He Shanheng only recognizes me, and the people inside also only recognize me."

"Yes, yes, I don't want to speculate in gold."

Soon the two parties reached a preliminary agreement, and Lin Zhichao received a deposit of 10,000 yuan.

After Pan Yaoxing left, Lin Zhichao said to Lee Shau Kee: "It's almost this person who is causing trouble!"

Lee Shau-kee also nodded and said, "Indeed, he has a lot of doubts! He knows us too well, and I didn't say that much information at all!"

Lin Zhichao stretched, and then said easily: "Okay! Whether it's him or not, it has nothing to do with us anymore!"

Lee Shau Kee nodded, he understood that the boss was already trying to trick Pan Yaoxing. It's good to earn 15,000 for the storefront, but he and all the clerks must be there, and the clerks below may run away soon and go back to work under the boss.

At the same time, according to the boss, this business will be gone by the end of the year.

He believes this, because the JF army has occupied the country, so why is gold still so hot?

In short, Pan Yaoxing is just a fool. If a layman wants to eat this bowl of rice, he doesn't know how to write the word "defeat"!

The news that Lin Zhichao planned to transfer the Yangtze River Bank quickly spread in the circle, and many people called to inquire.

Liao Baoshan: "Brother, no matter how big the matter is, there is no need to blame those shameless people. Leave it to me, and I will find someone to settle it for you, ensuring that you will be safe and sound in the future."

Lin Zhichao: "Brother, I really want to transfer, not for that reason! As you know, I don't speculate much now."

Liao Baoshan: "Well, I thought you planned to open a bank."

Lin Zhichao: "Brother, there is one thing. Can you check for me a person named Pan Yaoxing? Yes, he should have been involved in smuggling in the past. Well, thank you!"

Later, He Shanheng, He Hengjian and others called one after another. Lin Zhichao just got rid of everyone asking about "Pan Yaoxing". In the eyes of these people, they all thought that Lin Zhichao was thinking of quitting because of the shooting. Lin Zhichao could only explain one by one.

He didn't want to get a reputation as a coward.