The Birth of the Hong Kong Island Family.

Chapter 55 [Changjiang Bank]

Open for business on Sunday, March 3st.

At No. 36, Wenxian East Street, Changjiang Bank, which has been in preparation for more than [-] days, officially opened, and there was an endless stream of friends who came to join Lin Zhichao.

"Lin Sheng, we are both happy and troubled when you open and start working every month." He Xiangmian, president of the Shunde Chamber of Commerce, joked with a smile.

"Brother, this time I really need my friends to support me. I am a bank account, and I need everyone to stand 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 businessmen from Shunde all echoed.

Everyone is optimistic that Lin Zhichao can become the "hands-on" of Shunde businessmen. Naturally, it is very face-saving at this time, and this is also an opportunity to strengthen the Shunde business community.

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 Bank" to speculate in gold at the gold and silver trade field.

Lin Zhichao said with a smile: "There is absolutely nothing wrong with buying gold in troubled times. I think gold has investment potential. As for gold speculation, I'm afraid it's beyond my power and I'm making a fuss. My brother is serious."

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

Lin Zhichao introduced Li Shau Kee to everyone with a smile, and said: "This is my partner, he is our 'golden prodigy' in Shunde. I have his advice from a banker's family. It is definitely not a problem to earn some rent."

Everyone greeted Lee Shau Kee kindly!

Lee Shau Kee didn't 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 thinks he is extraordinary, he will not live under the influence of others for a long time, but Lin Zhichao's support still makes him decide to work hard for a while, straighten out the affairs of the Changjiang Bank, arrange each of them to perform their duties, and then consider resigning matter.

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

"This Changjiang Yinhao has a lot of face. There are a lot of business seniors and bosses here!"

"Nonsense, isn't Lin Zhichao the boss of Changjiang Bank? Others can even invite Sir He and the Governor of Hong Kong, so there is no reason why they don't have a deep background."

"We have added another opponent!"

"That's right! But this Lin Zhichao is doing well in real estate and zipper business, so he may not be able to make money in gold. What's more, Changjiang Yinhao has no reputation, so I don't think it's a cause for concern."

"Makes sense!"

Soon, everyone dispersed.

Why did Lin Zhichao open a bank account? He always invited his fellow villagers from Shunde to help out, and even invited friends from the bank and bank account class.

What you can do, I can do too;
You, a bank boss, certainly don’t have as deep a background as a boss spanning several industries.

In this way, Lin Zhichao can avoid some troubles.

The opening ceremony ended soon, and everyone dispersed.

Lin Zhichao walked into his own "Yangtze River Bank", a trading room surrounded by iron fences. Inside were three skilled traders of the bank, who also knew the art of "dividing gold", and it was Lin Zhichao who recruited 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 stay at the counter all the time, he spends a lot of time on Bonham Strand, helping to 'see gold' and guiding the three skilled workers. Technological progress.

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

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

Although Changjiang Bank is a new bank, it has a profound background.Not only is the boss popular, but the three companies of 'Changjiang Bank', 'Cheung Kong Real Estate' and 'Cheung Kong Industry' present a powerful and reputable impression.

There is also a 'waiter' on the first floor, and Lin Zhichao also encouraged it.

"Let's go up and sit!" Lin Zhichao said to Li Zhaoji and Zhou Fuzhao who were beside him.

"Um"

Changjiang Yinhao is a subsidiary of Changjiang Real Estate, and the accountant is transferred from Changjiang Real Estate, and Zhou Fuzhao is on behalf of Lin Zhichao to review the finance here.

It's not that Lin Zhichao doesn't believe in Lee Shau Kee, but everyone knows that Lee Shau Kee is only doing business 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 20 Hong Kong dollars (including rent and decoration of 1.2) in Changjiang Yinhao. The business is very simple, that is, gold trading and foreign exchange exchange, and Changjiang Yinhao earns commissions.

For example, a wealthy mainlander who comes to Hong Kong needs Hong Kong dollars and British pounds for local circulation, but he only has gold and silver in his hands, so he naturally needs to exchange them, and the silver bank can do this business.For example, if someone needs to exchange for more valuable U.S. dollars, etc., the bank account can also exchange and charge a commission.

But Changjiang Yinhao has a rule that it does not exchange any currency issued in the mainland, which was stipulated by Lin Zhichao.

You should know that legal currency can be exchanged in Hong Kong, even the upcoming gold dollar coupons can also be exchanged in Hong Kong. After all, there is a large amount of trade between Hong Kong and the mainland.

However, Lin Zhichao knew that the currency of the Republic of China depreciated too quickly, so his bank did not do 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 needs to save gold 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 50 Hong Kong dollars (you can also buy it from the Gold and Silver Exchange), then he will earn 50 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 steady profits without losing money.

He only needs to stop on the eve of October 1949. This is 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 the war. If there is no fight, it will naturally fade away.

On the upper floor, it is divided into two areas, one is the office area, and the other is the financial and financial area.

"Hello boss!" A total of three staff members greeted Lin Zhichao.

One accountant and telephone operator, two gold traders and telephone operators from the Gold and Silver Exchange, these are the remaining employees.

The entire Changjiang Bank, including Lin Zhichao and Li Zhaoji, has a total of nine employees.

The master of financing and making gold is handed over to Li Shauji, anyway, it may only be financed 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!"

Ah Shan and Ah Jin had also worked in the gold and silver trading field before, and they quickly understood the boss's thoughts, and responded one after another.

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

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

Li Zhaoji's heart skipped a beat for a moment, and he immediately said, "Boss, I have never been 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 50 to 100 million Hong Kong dollars from the gold trading market and kept it in my hands. Then it is equivalent to my steady profit. 50 to 100. Therefore, I will take out 50 Hong Kong dollars and give it to you to speculate in gold. I will give 8% bonus to the whole team, and you will get 6% bonus."

Upon hearing this, Lee Shau Kee 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 talk about dry things, you can't restrain this kid.

Li Zhaoji was shocked, and he looked at Lin Zhichao with admiration, and said, "Since you think you can make a steady profit, why do you take risks?"

He believes that Lin Zhichao has a large amount of funds, so he can wait for the appreciation.

Lin Zhichao said with a smile: "Who would think too much money! What's more, the rise and fall of gold in the gold and silver trade field is not only closely related to the gold in the mainland, but also related to the smuggling of gold from Macau, that is, it is related to the Hang Seng Bank and Chaozhou merchants." , especially Hang Seng Yinhao, they have a deep background in Omen. Therefore, as long as we pay attention to their movements, we have a great hope of victory. At the same time, I have some friends in the Mainland who can quickly learn about some developments and use them as a reference .With so much information for you, there is no reason why you and I will co-host the gold speculation. Suppose in a year and a half, I can earn 50 million Hong Kong dollars with 100 principal, and you can get 6 Hong Kong dollars. At that time, wouldn't it be better for you to go out independently?"

Li Zhaoji was very excited by Lin Zhichao, and soon agreed to help Lin Zhichao speculate in gold.

And what Lin Zhichao wanted was this effect. He didn't pay attention to the facade business at the beginning, and he only wanted Li Zhaoji to help him speculate in gold.

After all, it is impossible for Lin Zhichao himself to spend too much energy on this.

And Lin Zhichao implements the foreign fund system, which distributes dividends to the management team, but he pays less, and his information is the most important!

(End of this chapter)