The birth of the Hong Kong Island family

It is suitable to open on Sunday, March 21st.

At No. 36 Bonham East Street, the Yangtze River Bank, which had been in preparation for more than 20 days, was officially opened for business. There was an endless stream of friends who came to support Lin Zhichao.

"Lin Sheng, we are both happy and worried about your opening and construction every month." He Xiangmian, president of the Shunde Chamber of Commerce, joked with a smile.

"Brother, I really need my friends to support me this time. I open a bank account and I need everyone to stand up for me!" Lin Zhichao said in a tone of "I am a member of the Chamber of Commerce."

He Xiangmian patted Lin Zhichao on the shoulder and said, "Then we must come!"

A group of Shunde businessmen all agreed.

Everyone is optimistic that Lin Zhichao can become the "leader" of Shunde businessmen. This is naturally a great honor at this time. This is also an opportunity to strengthen the Shunde businessmen group.

After a while, Jian Dongpu, He Tian, ​​Liang Kaiju and others also came to give Lin Zhichao enough face.

Even Liao Baoshan came over and said with a smile: "Brother, you really want to show your skills in gold."

At the beginning, he was quite puzzled. Lin Zhichao seemed to be more enthusiastic about speculating in gold, but he never took any action.

Now it seems that Lin Zhichao is going to use the name of "Yangtze River Bank" to speculate in gold at the gold and silver trade field.

Lin Zhichao said with a smile: "There is definitely nothing wrong with buying gold in troubled times. I think gold has investment potential. As for speculating in gold, I'm afraid it's too much for me to do it in a small way. I'm serious."

Liao Baoshan said strangely: "Do you really want to keep this shop and earn some commission? Besides, I'm not an expert in gold shops, so I'm afraid it will be difficult for me to make a difference!"

Lin Zhichao introduced Li Shauji to everyone with a smile and said: "This is my partner, our 'golden prodigy' in Shunde. I come from a wealthy family and I have his guidance. I will definitely have no problem earning some rent."

Everyone greeted Lee Shau Kee kindly!

Lee Shau Kee did not expect that Lin Zhichao would take the initiative to introduce himself to everyone, and even called himself a 'partner', he was very touched instantly.

Although he considered himself extraordinary and would not stay under the influence of others for a long time, Lin Zhichao's guidance still made him decide to work hard for a while to straighten out the affairs of Yangtze River Bank and arrange everyone to perform their duties before considering resigning. matter.

Here, everyone congratulates the opening of the 'Yangtze River Bank' lively, and colleagues on Wenxian East Street not far away are talking a lot.

"The Yangtze River Bank has a great reputation. There are many business seniors and big guys here!"

"Nonsense, the boss of the Yangtze River Bank is none other than Lin Chi-chao. Others can even hire Sir Ho and the Governor of Hong Kong. How can it be that his background is not profound?"

"Now we have another opponent!"

"No! But Lin Zhichao is good at real estate and zipper business, but he may not be able to make money in gold. What's more, the Yangtze River Bank has no reputation, so I don't think it's a cause for concern."

"That makes sense!"

Soon, everyone dispersed.

Why did Lin Zhichao invite people from Shunde to help him open a bank account? He also invited friends from banks and bank accounts. It was just to scare his colleagues on Bonham East Street not to play tricks.

If you can do it, I can do it too;

You, a bank boss, definitely don't have as deep a background as my boss who spans several industries.

In this way, Lin Zhichao can avoid some troubles.

The opening ceremony ended quickly and everyone dispersed.

Lin Zhichao walked into his "Yangtze River Bank", a trading room surrounded by iron bars. Inside were three skilled bank traders. They also knew the "gold sharing technique" and were recruited by Lin Zhichao with great difficulty.

Of course, although these three are skilled workers, they are far less experienced than Lee Shau Kee. Although Lee Shau Kee will not always be at the counter, he spends a lot of time on Bonham East Street, helping to 'watch gold' and guiding the three skilled workers. Industrial technology progresses.

"Everyone, do a good job (earn more money for the boss so that he can marry his wife)! If you have any questions, please ask shopkeeper Li for advice." Lin Zhichao said with a smile.

"Okay, boss!" The three of them agreed with a smile.

Although Yangtze Bank is a new bank, it has a profound background. Not only is his boss popular, but also the three companies "Changjiang Bank", "Changjiang Real Estate" and "Changjiang Industries" present an impression of great strength and good reputation.

There is also a ‘waiter’ on the first floor, and Lin Zhichao also encouraged him.

"Let's go up and sit down!" Lin Zhichao said to Li Shauji and Zhou Fuzhao beside him.

"Um"

Yangtze River Bank is a subsidiary of Yangtze River Real Estate, and its finance staff was transferred from Yangtze River Real Estate, and Zhou Fuzhao reviewed the finance here on behalf of Lin Zhichao.

It's not that Lin Zhichao doesn't believe in Li Shauji, but everyone knows that Li Shauji is only here temporarily, and usually goes out to inquire about the market and do his own business.

At present, Lin Zhichao has invested a total of 200,000 Hong Kong dollars in Yangtze River Bank (including 12,000 for rent and decoration). The business is very simple, including gold trading and foreign exchange exchange, and Yangtze River Bank earns commissions.

For example, a wealthy person from the Mainland who comes to Hong Kong needs local banknotes of Hong Kong dollars and pounds, but he only has gold and silver in his hands, so he naturally needs to exchange them, and a bank account can do this business. For example, if someone needs to exchange for U.S. dollars with a higher value, etc., the bank account can also be exchanged and a commission will be charged.

But the Yangtze River Bank has a rule, which is that it will not exchange any currency issued by the mainland. This is stipulated by Lin Zhichao.

You know, legal tender can be exchanged in Hong Kong. Even the upcoming gold yuan coupons can be exchanged in Hong Kong. After all, there is a lot of trade between Hong Kong and the mainland.

However, Lin Zhichao knew that the currency of the Republic of China had devalued too quickly, so his bank account did not accept this exchange.

According to the market, the funds of Changjiang Bank will gradually turn into gold, because during this period, there are more people selling gold (people who come to Hong Kong need living expenses). If he has sufficient funds, he still has to make gold deposits as his main profit.

The reason is simple: Gold is currently at 330 Hong Kong dollars one tael, and there is still more than double the increase (estimated price. It can be clearly stated that the rising period will end before 1949.10).

Therefore, assuming that Lin Zhichao holds physical gold worth 500,000 Hong Kong dollars (you can also buy it from the Gold and Silver Exchange), then he will earn 500,000 Hong Kong dollars in about one and a half years (cash out at the Gold and Silver Exchange in advance) .

He can use this part of the profit as funds for gold speculation (short-term trading); through this method, Lin Zhichao can make a steady profit without losing money.

He only had to stop on the eve of October 1949. This was the benefit of knowing the high point.

Because once Hong Kong is not accepted there, gold will naturally fall slowly; the reason is very simple, there is no need for everyone to carry "disposable assets", and they will not exchange a large amount of gold; It has something to do with war. If the war stops, it will naturally subside.

Upstairs, the place is divided into two areas, one side is the office area, and the other side is the finance and gold mining area.

"Hello, boss!" A total of three employees greeted Lin Zhichao.

One accountant and telephone clerk, two gold traders and telephone clerks from the gold and silver trading market, these are the remaining employees.

The entire Yangtze River Bank has a total of nine employees, including Lin Zhichao and Li Shauji.

The master of financing and gold-finishing is left to Lee Shau-kee. Anyway, he may only perform financing once a week.

"In the past few days, I will complete the formalities of the gold and silver trading field, and then you two, Ashan and Ajin, will enter the gold and silver trading field. I may not trade every day, but I need you to be smart and go to the gold and silver trading field. After arriving there, pay more attention to the market exits of Hang Seng Bank and Chaozhou merchants, such as when they buy in large quantities and when they sell in large quantities, these need to be observed. This is called following the market!"

Ashan and Ajin had also worked in the gold and silver trading market before. They quickly understood the boss's idea and agreed.

After making arrangements, Lin Zhichao also had a private chat with Lee Shau Kee.

"Shau Kee, are you interested in speculating gold for me? I can share 6% of your profits."

Lee Shau Kee's heart skipped a beat and he immediately said, "Boss, I've never fired before!"

He is worried about losing money and offending others!

Lin Zhichao said with a smile: "According to my analysis, gold can rise to at least 600 Hong Kong dollars per tael. Assuming that I have recently withdrawn gold worth 500,000 to 1 million Hong Kong dollars from the gold trading market and kept it in my hand. Then it is equivalent to my steady profit. 500,000 to 1 million. So, I will take out 500,000 Hong Kong dollars and give it to you to speculate in gold. I will give an 8% bonus to the entire team, and you will get 6% of the bonus."

When Lee Shau Kee heard this, he immediately asked: "How does the boss know that gold will rise so much?"

Lin Zhichao smiled and said: "War. So, I just need to cash out the gold before the soldiers come to Yangcheng, and I can make a profit. At that time, the Republic of China will naturally be over, and the victory will be divided."

If you don't tell some useful information, you won't be able to control this kid.

Lee Shau Kee was shocked. He looked at Lin Zhichao with admiration and said, "Boss, since you think you can make this profit for sure, why do you take the risk?"

He believes that Lin Zhichao has a large amount of funds and can wait for appreciation.

Lin Zhichao said with a smile: "Who would think there is too much money! What's more, the rise and fall of gold in the gold and silver trading market is not only closely related to mainland gold, but also related to the smuggling of gold from Macau, that is, it is related to Hang Seng Bank and Chaozhou businessmen. , especially Hang Seng Bank, they have a strong background in Macau. Therefore, as long as we pay attention to their trends, we have a great chance of victory. At the same time, I have some friends in the mainland who can quickly learn about some developments as a reference. With so much information for you, how can there be no reason not to make money if you and I co-host the gold speculation. Assume that in one and a half years, I can make 1 million Hong Kong dollars with a principal of 500,000, and you can get 60,000 Hong Kong dollars. By then , wouldn’t it be better if you go out independently again?”

Li Shauji was so moved by Lin Zhichao's deception that he quickly agreed to help Lin Zhichao make money.

And what Lin Zhichao wanted was this effect. He was not interested in window-dressing business from the beginning, and he only wanted to win over Lee Shau-kee to help him make money.

After all, Lin Zhichao himself cannot spend too much energy on this.

Lin Zhichao implemented a foreign fund system and distributed dividends to the management team, but he gave less. Who told him that his information was the most important!