The birth of the Hong Kong Island family

Time flies, and two months have passed in the blink of an eye.

The beginning of September.

On the weekend, No. 1 Repulse Bay welcomed Lin Zhichao and six women on vacation. This place is already considered a rare vacation spot.

Although Lin Zhichao's family has some luxurious villas, almost all of them are lived by his children. For example, Lin Ruihuan lives at No. 79 Deep Water Bay, Lin Ruijiang lives at Shek O, Lin Ruihai lives at No. 80 Deep Water Bay, Lin Ruikai lives at No. 1 Peak Road, and Lin Sui Cheng lives at Shouson Hill. These five sons, their wives and children already live in the best garden villa.

Of course, Lin Zhichao usually lives at Nos. 79 and 80, Deep Water Bay. These are his two homes, and the eldest son of the two lives lives with him. He also often goes to the villa area on Island Road in Repulse Bay, where his three lovers live.

This time it was rare for the six women to get together, so they naturally chose Audrey Hepburn's villa in Hong Kong for vacation.

The six women are still divided into two circles, one is the circle of wives and the other is the circle of lovers. Normally everyone has contacts, but it is obvious that the circles still exist deeply and the hierarchy is also very obvious.

Although the three wives of the first wife accepted Lin Zhichao's three lovers, they must also be wary of the three lovers' extravagance. It doesn't matter if you are a lover anyway, there is absolutely no way to get to the top.

The so-called superior position naturally means that his children want to join the 'family business' in the future. The three principal wives have never even mentioned letting the three lovers and their children join the 'family office'.

Of course, Lin Zhichao didn't have this idea. A harem with a hierarchical system would be more peaceful.

In the lobby on the first floor, the four girls Tang Caiyun, Xu Caiying, Zhao Yazhi, and Lin Qingxia were playing mahjong, while Hepburn and Guan Jiahui were chatting with Lin Zhichao on the sofa. Everything was so harmonious.

While Tang Caiyun was playing cards, she asked, "What investments have you made recently?"

The three wives knew that their husbands planned to use investments to create wealth for these lovers, so of course they did not interfere.

Zhao Yazhi said: "Recently he asked us to prepare a loan of 100 million Hong Kong dollars, and then invest in US dollar-yen foreign exchange. It seems to be a big investment, with ten times leverage! It is equivalent to buying a full 1 billion Hong Kong dollars of Japanese yen. "

She also told the truth and didn't want to hide anything. After all, the capital was theirs, and it was just Lin Zhichao who was involved in the investment. What's more, although the three women are lovers, their status is not particularly low, and there is no need to be particularly afraid of the three principal wives.

Tang Caiyun smiled and said to the sofa: "This is very risky. I'm worried that they will lose money!"

Lin Zhichao said: "Of course I will compensate them, and maybe double the compensation, lest they tell the outside world that I, the god of investment, 'doesn't live up to my name', and that would be a loss of face!"

All the girls laughed, and Tang Caiyun said: "This is what it should be!" After that, she said to Zhao Yazhi: "You investors, please don't go out and talk nonsense. It will not be good for him if it spreads!"

Zhao Yazhi said quickly: "Yes, I understand!"

In this regard, Lin Zhichao also warned them not to leak investment information indiscriminately to avoid being sniped. This time when investing in USD/JPY foreign exchange, Lin Zhichao did win over the three daughters. He also hoped that their wealth would rise as soon as possible. After all, they also contributed to the birth of children.

After a day's rest, the next day was Monday, and Lin Zhichao came to Octopus Financial Headquarters.

Lin Benfeng, the president of Hang Lung Bank, and Sanders, the president of Overseas Trust Bank, came to his office together. Sanders was originally a senior staff member and second-in-command in the credit department of HSBC. He was invited by Lin Zhichao with a high salary. At first, he served as vice president and general manager of the credit department of Hang Lung Bank. Now he has been promoted to the president of Overseas Trust Bank, which is considered unparalleled in the workplace. Wrong choice.

Since Lin Zhichao entered the banking industry, he has asked Lin Ruihuan, who replaced him to join HSBC, to also resign as a non-executive director of HSBC, completely ending the honeymoon with HSBC.

Today, Lin Zhichao is a banker. Of course, in the eyes of professionals, Lin Zhichao is just relying on his wealth and influence in Hong Kong, and his small achievements in the financial world are not enough to prove that Lin Zhichao is an excellent banker.

In fact, Lin Zhichao did not expect him to be a banker at all. His biggest purpose in acquiring banks was to deposit part of his wealth in his own bank.

"How is the exchange of yen going?"

Lin Benfeng said immediately: "Hang Lung Bank has completed the exchange. The total is 1 billion Hong Kong dollars in Japanese yen, which is 30.6 billion Japanese yen."

Sanders also said: "Overseas trust banks have also completed the exchange, the same amount is 30.6 billion yen."

Lin Zhichao nodded. This is the foreign currency exchange business. After one year, it can make a profit of more than 300 million Hong Kong dollars. The important thing is that this is not a loan business and does not need to be calculated in the loan-to-deposit ratio.

The reason why he intervened in the investment of the two banks was that he did not want to wait five years for the two banks to merge again. He would wait up to three years for the two banks to merge and replace them with new bank signs.

As for the merger, at least the losses of overseas trust banks must be filled. According to normal channels, it will take five years. After all, they are actually still losing money.

Next, he asked: "How is the establishment of the foreign exchange investment department of Overseas Trust Bank's branch in Singapore?"

Overseas Trust has eight branches overseas, two in Singapore alone, and others in Malaysia, Thailand, the Philippines, Indonesia, and the United States. It can be said that the channels are very good.

Sanders nodded and said: "It has been in business for more than a month. The average daily transaction volume is millions of dollars. The standards in all aspects are very large and can accommodate large-fund transactions."

For USD/JPY foreign exchange, there is a direct settlement center in Singapore, which is very convenient. Even the Nikkei 225 futures index has a delivery center in Singapore. The famous "Barings Bank" in the previous life fell on the "Nikkei 225 futures index" in Singapore.

Lin Zhichao said: "Okay, later I have three friends, the total is 300 million Hong Kong dollars, and I need ten times leverage to operate for them. In addition, the overseas trust bank will also use 100 million Hong Kong dollars, which is also 10 times leverage."

Leverage is provided by banks and foreign exchange companies. The leverage of the Overseas Trust and Investment Department is naturally provided by commercial banks.

Sanders said worriedly: "Overseas trusts are currently suffering huge losses. I don't think this is a good suggestion for you to invest in such a high-risk investment boss!"

He is a professional credit professional and believes that commercial banks still focus on lending.

Lin Zhichao said: "You heard me right this time. If there is a loss, I will personally deposit 1 billion US dollars in overseas trust bank deposits to make up for it. And I can be sure that the Japanese yen will definitely appreciate."

Faced with such talent, Lin Zhichao could only compromise. Of course, the investment would continue.

Sanders immediately said: "Okay, I'll arrange it right away!"

He was just kindly reminding that after all, the top priority is to get overseas trust banks on the right track, and losses can be recovered slowly. The important thing is to find out the problems existing in the right overseas trust banks and correct them immediately.

Lin Zhichao is also very satisfied with Sanders' flexibility. Sanders is indeed a talent. After he joined Overseas Trust, he sent many employees to take turns overseas to learn professional banking skills, and then rectified various issues internally.

In fact, Lin Zhichao himself doesn't care about too many things in the bank. He trusts professional talents.

However, the investment department must be established, and it must be established into a large professional team, because it will be very convenient for Lin Zhichao to invest in the future.

In a few days, he will go to the Singapore Investment Department to inspect it in person, although there are also people sent there from Hong Kong.

The Plaza Accord was signed in late September. It mainly involved the Group of Five jointly intervening in the foreign exchange market to sell the US dollar, which then caused investors to sell the US dollar, ultimately causing the US dollar to depreciate.

The reason why the Americans devalued the U.S. dollar was that they hoped to revive exports and strengthen the competitive advantage of their own products in order to solve the problem of the huge U.S. trade deficit.

So before this time, Lin Zhichao had sold all US dollars, and his deposits had become either Japanese yen, Hong Kong dollars, or some pounds. Of course, a lot of his money has been turned into investments.

In short, Lin Zhichao started planning very early, so he is firmly on the Diaoyutai.

After getting off work in the evening, Lin Zhichao came to a residential building in Kowloon Tong in a low-key manner, and then came to Li Jiaxin's new home.

Some time ago, Lin Zhichao invited Wu Guofang, mother and daughter, to live in a residential unit owned by Victoria Harbor Real Estate, but it was obvious that he did not directly take advantage of others.

It's not that he is stingy, but that his relationship with Li Jiaxin has not been settled yet!

It's not that Lin Zhichao's pick-up skills are poor, but that he hopes girls will take the initiative. After all, he wants to live a good life, not a shabby one!

"Lin Sheng, please come in!" Wu Guofang warmly welcomed Lin Zhichao in.

Then, Lin Zhichao, like a male host, said to the three women: "How are you, are you still getting used to living there? I originally had a lot of bungalows on Hong Kong Island. Considering that Jiaxin is studying, I will make a temporary transition here. "

When they heard about the bungalow, the three girls' eyes lit up.

Li Jiaxin even said directly: "Isn't it enough to send a driver to pick me up and back from school every day?"

This is figured out!

Lin Zhichao took the initiative at this time, stepped forward and took Li Jiaxin's hand, shaved her nose, and then said with a smile: "What the little princess said is, do you want to live in a bungalow on the top of the mountain, or in a mansion in the middle of the mountain?"

Li Jiaxin let Lin Zhichao hold her hand, thought about it seriously, and said, "I will listen to your arrangement!"

Lin Zhichao said shamelessly: "What are you, you, call me Brother Chao from now on, I also want to go back to my youth!"

Li Jiaxin immediately said: "Brother Chao, you look young to begin with!"

Good guy, it turns out tonight is the Hongmen Banquet!

Afterwards, everyone sat together to eat. Lin Zhichao took Li Jiaxin's hand and said, "Miss Wu, Jiaxin will follow me from now on. I guarantee that the three of you will live a prosperous and wealthy life. People outside say that I am romantic, but in fact I There are very few women who have been with each other, but one thing is true. If you become my girlfriend, you will definitely gain true love. I am not the kind of man who always gives up."

Li Jiaxin became shy, Li Jiaming's eyes shone, and Wu Guofang also looked happy.

"Lin Sheng, I respect Jiaxin's ideas. I can see that she admires you very much after she has been in contact with you a few times!"

Not to mention, I want to stay overnight tonight to see if Li Jiaxin really admires him.

In fact, it’s no wonder that Wu Guofang and Li Jiaxin were in a hurry today. These few times, Lin Zhichao only took everyone to enjoy super yachts, five-star hotels, and top clubs, but did not give them any actual sweetness.

I understand very well that if others want to pick up Li Jiaxin, they won't be able to benefit if they don't.

Lin Zhichao has already given him face and invited him almost five times. He usually doesn't waste time like this, but it's just Li Jiaxin, and he's not sensible yet, so be patient.

After dinner, Lin Zhichao took Li Jiaxin out, euphemistically saying they were going for supper, but of course they were going to check out a room!

Li Jiaxin also happily followed Lin Zhichao out, but Wu Guofang had mixed feelings. After the two left, she said: "It's okay that they started to get into trouble and then gave up. How can Li Jiaxin really be a lover forever? Besides, Lin Sheng age."

Li Jiaming immediately said: "Mom, look at Lin Sheng's appearance, he is actually young. My sister may be able to correct herself in the future. Being young is an advantage."

Wu Guofang's eyes lit up, this is a good goal!

The other side.

Lin Zhichao took Li Jiaxin to the presidential suite of Shangri-La Hotel and quickly took away her No.1.

Lin Zhichao, who had taken out one acupuncture point, was thinking about something while holding Li Jiaxin, who had not recovered yet. Sometimes, there is not much in common with these women, but Lin Zhichao listens carefully and is considered a relatively patient man.

Li Jiaxin felt Lin Zhichao's strong chest and said, "Brother Chao, will you be good to me in the future?"

Lin Zhichao looked at Li Jiaxin, his expression full of hope, and then said: "You have to be obedient!"

Seeing that Lin Zhichao didn't give a positive answer right away, Li Jiaxin immediately lost her temper and said, "Brother Chao, you have changed so quickly!"

Lin Zhichao insisted: "You have to be obedient!"

Li Jiaxin saw that Lin Zhichao was not in a good mood, so she immediately lowered her head under the momentum and said, "Of course I am obedient!"

A small confrontation, this will be the way the two get along in the future, maybe like this. Lin Zhichao wanted T to teach these women not to cause trouble for him. Only after they were taught well could he safely give them dragon seeds.

Lin Zhichao then said gently: "As long as you are obedient, I can be very nice to you. You can live in a luxury house, drive a sports car, and buy famous brands. To me, it's just a waste of time. Going one step further, I will teach you how to invest and start a company, and you can do it yourself. When the rich and famous people in Hong Kong become the upper class, you will be respected by others!"

Li Jiaxin immediately waved away her unpleasantness and said quickly: "Really!" After saying that, she touched the wound, revealing a trace of pain.

Lin Zhichao smiled and said: "It's just a little effort! One of my lovers who has been with me for ten years has a net worth of hundreds of millions of Hong Kong dollars."

Li Jiaxin blurted out: "Why do you still have a lover?"

Lin Zhichao smiled and said: "Isn't this normal! If I wasn't romantic, why would I mess with you again? Remember, don't interfere in my affairs and do your part, so that we can have a real relationship."

Li Jiaxin bit her lip and said, "Men change their faces so quickly!"

"Ha ha"

On September 22, 1985, the finance ministers and central bank governors of the United States, Japan, the Federal Republic of Germany, France, and the United Kingdom (referred to as the G5) held a meeting at the Plaza Hotel in New York and reached an agreement that the five governments would jointly intervene in the foreign exchange market to induce the U.S. dollar to weaken against major currencies. An orderly devaluation of the exchange rate to address the huge U.S. trade deficit. Because the agreement was signed at the Plaza Hotel, the agreement was also known as the "Plaza Agreement."

The next day (Monday), the exchange rate of the US dollar against the Japanese yen plummeted 3.42% to 231.8.

The Japanese yen has officially started rising!

As soon as the news came out, many people in Hong Kong couldn't help but admire Lin Zhichao's investment skills, especially the companies owned by Lin Zhichao. Since they all have large investments in Japan, the management and employees praised their boss for his unique vision.

The appreciation of the yen means that investments in Japan can make huge profits just by the appreciation of the currency; in addition, if the appreciation brought about by the growth of the Japanese economy will double the profits. (End of chapter)