Mixed in 1980

Chapter 202: Cheating the Bank

"I just don't like dealing with you. You come here just to cause trouble for me." Sun Shaojie scratched his head hard and couldn't help swearing.

"How about I leave?"

"You're still kidding me. I'm so unlucky to have met someone like you. It's not that this thing can't be done, but you have to think it through. For such a large project, once the follow-up funds are cut off, so many people will lose their jobs, and the impact will be bad."

After thinking for a while, Sun Shaojie added, "Establish a joint office, and the people transferred here will still be affiliated with their original units, and you can pay their salaries. This way, you can avoid a lot of trouble and it will be easier to transfer people."

"It couldn't be better!" Chen Fan agreed.

It is indeed not easy to recruit people directly. After all, he wants to poach talents from state-owned enterprises. He can transfer people here first and then slowly poach talents. "Can you also take care of the registration matter?"

"I owed you in my last life, my living ancestor!"

Sun Shaojie had a bad temper and drove the man away after agreeing. Every time this bastard came, something bad happened and it was always a lot of trouble.

But he has money and foreign exchange, that's what he does!

I can't make the decision on this matter by myself, so I'll communicate with my superiors first, and then tell my father when I get home. I need to get things done as soon as possible.

Before Sun Shaojie could finish the discussion, Chen Fan had already arrived in Hong Kong alone. Zeng Ali came to pick him up in three cars with bodyguards.

In Hong Kong today, everyone is very cautious when going out.

For fear of being stopped by robbers on the way like Wang Dehui, Wu Lanying and her colleagues have come up with multiple plans to deal with various emergencies.

Chen Fan made a request at that time. If you encounter such a situation, you should just do it. You cannot pin your hopes on the credibility of the kidnappers.

All the cars in the family were replaced with Mercedes-Benz W126 sedans, which are bulletproof sedans.

"Wife, why are you so thin?"

When Chen Fan saw Zeng Ali, he was surprised. He had just been here half a month ago, and the girl had gained a little weight, but she had lost weight again in just half a month.

"I've been busy lately, let's talk about it in the car."

Zeng Ali leaned on Chen Fan as she led him into the car. "The brand has officially entered the Japanese and Korean markets, so there are many things to deal with."

Chen Fan hugged his wife lovingly and said, "The rotating president system has been implemented. We should delegate power when it is time to do so. We just need to manage people well and focus on results."

Zeng Ali frowned: "For a moment, I'm not used to letting go just like that."

Chen Fan lifted her bangs and said, "We have to get used to it. After the New Year, we will return to Beijing. We will not stay in Hong Kong permanently."

Zeng Ali nodded and said, "That's true. After the Chinese New Year, we have to prepare to have children. By then, we will have even less time to manage the company."

Chen Fan's body stiffened slightly. Is this woman crazy about wanting a child?
This has been mentioned several times since last year.

Zeng Ali was keenly aware of his change and could not help but get angry: "Every time you mention having a child, you are so nagging. If you don't want to have one, we should break up sooner rather than later."

Chen Fan was annoyed, hugged his wife tightly, and said with a smile: "How is it possible? I told you that I will arrange it after I graduate. By then, we will have one baby a year and try to give birth to a football team."

"Go to hell, you think I'm an old sow."

Zeng Ali was amused and kissed him on the lips with satisfaction: "Where's Qiu'er? Why didn't she come with you this time?"

"Teacher Xu is busy now."

Chen Fan explained the matter of the charity fund: "From now on, you work hard to make money, Qiu'er spends money, and I will cook for you at home. Perfect."

"How dare you mention cooking? When I was pursuing Qiu'er, I spent every day thinking about making delicious food. But I don't get that treatment. Instead, I often cook. Same person, different fate."

"Oh, are you jealous?" Chen Fan was speechless.

Zeng Ali did cook a lot, especially when she lived in the small courtyard outside Xinjiekou. Basically, Xu Jinqiu prepared the food, Chen Fan gave the instructions, and Zeng Ali cooked.

Zeng Ali was embarrassed and annoyed, so she pinched him and returned to the previous topic: "Qiu'er has been a teacher for a few days, and her awareness has risen rapidly. I will support her later."

Chen Fan hummed: "Comrade Ali is also a good comrade!"

Zeng Ali snorted, "If you ask me, Qiu'er is my sister. She finally found her own career. As her elder sister, how can I not support her?"

Soon, the car arrived at the mansion in Repulse Bay.

This luxury house has already been purchased. Chen Fan had been arguing with the previous landlord for a long time, but the other party finally couldn't hold on and had to sell it at a low price.

Chen Fan gave it a name: Chen Family Cottage!

Zeng Ali almost died of laughter at that time. This mansion is ranked among the most luxurious in Hong Kong. It has three villas and a large yard covering several acres. It is actually named Xiaozhu.

I don't know what's going on in this guy's mind.

When they entered the room, Zhao Yuanyuan was watching a movie. When she saw Chen Fan come in, she glanced at him, muttered "Here he comes", and ignored him.

Chen Fan looked at Zeng Ali and pointed at Zhao Yuanyuan: "Are you having a bad temper?"

"homesick!"

"What's wrong? If you miss home, just go back. I'm not stopping you from going back. Why don't you go back with me in two days?" Chen Fan said with a smile.

Zhao Yuanyuan rolled her eyes at him and said nothing.

Zeng Ali sat over and teased, "I just suddenly miss home and that thing came back. I'm a little depressed. I'll be fine after two days."

Chen Fan said with a smile, "How about in two days, I will arrange for everyone to come here for a trip?" Zhao Yuanyuan laughed and said with contempt, "What are you crazy about? Nowadays, we have to bring a group of bodyguards with us before we dare to go out, and you are still arranging for people to come here for a trip."

"..." Chen Fan gritted his teeth in anger.

I originally wanted to coax her, but it seems that it is no longer necessary. I can still argue with her, which shows that the problem is not big.

He rubbed the girl's head angrily, messing up her hair, and before she could react, he quickly sat aside: "Okay, let's get down to business."

Seeing Zhao Yuanyuan about to pounce on him, Chen Fan quickly added: "To make money, business!"

Zhao Yuanyuan sat down decisively, smiled, and asked the servant to serve tea: "Brother, please take your time."

“How realistic!”

After complaining, Chen Fan continued, "I asked you to find a bank to do an appraisal before. Has the appraisal value of Lululemon come out?"

Zeng Ali said: "Lululemon is already the first choice of middle-class women in Hong Kong. The brand value is extremely high. It has entered the Japanese and Korean markets. The early promotion was also very smooth. It is favored by many investment banks."

"The current valuation is around 7000 million US dollars. HSBC has come to negotiate and is willing to lend 5000 million US dollars."

Hearing this, Chen Fan pondered.

The bank's assessment is still very reasonable. Lululemon's brand value is indeed high, but the number of its stores is limited and its main market is confined to Hong Kong.

"Then let's borrow 5000 million, and do it quickly."

"You haven't told me why you want to take out a loan?"

Zeng Ali still doesn't understand why Lululemon is developing well and making high profits. In addition, it has invested a lot in the early stages, so it is not short of money on the books and even has a large surplus.

"Loan US dollars, all converted into Hong Kong dollars."

Hearing this, Zeng Ali was surprised and frowned and asked, "Why is that? The Hong Kong dollar has been depreciating in recent years, especially this year, it has fallen to 1 US dollar to 9.6 Hong Kong dollars."

Chen Fan smiled and said, "What if the Hong Kong dollar appreciates?"

"If the Hong Kong dollar appreciates, then we'll cheat the bank? Are you so sure that the Hong Kong dollar will appreciate?" Zhao Yuanyuan's eyes lit up.

If you borrow 5000 million US dollars, you can exchange it for 4.8 million Hong Kong dollars. When the Hong Kong dollar appreciates to 8.0, you can exchange it back to 6000 million US dollars.

There is a profit of 1000 US dollars in and out.

"It has been said a long time ago that the British devils want to harvest Hong Kong. Only when Hong Kong develops stably can they suck blood. No matter what, they will stabilize the Hong Kong dollar."

Not only Lululemon needs to be mortgaged, but all the futures in Chen Fan's personal account also need to be mortgaged. Zhou Wenya has already contacted the bank to make an assessment.

Chen Fan came here this time to apply for a loan.

With 500 million US dollars and 420 times leverage to short gold, the purchase price is US dollars per ounce. In more than half a year, the price of gold has fallen to US dollars per ounce.

Today, the profit from this investment has reached 3.2 million US dollars, plus the principal, the total is 5 million US dollars, but the bank loan will definitely be discounted.

After negotiating with HSBC and Bank of East Asia, they each lent US$2 million, for a total of US$4 million, plus Chen Fan's balance of US$3979 million, all of which were converted into Hong Kong dollars.

42 billion Hong Kong dollars!
"I think we still have too few bodyguards."

Zhao Yuanyuan asked about the numbers and trembled with fear. When calculating with US dollars, she had gradually gotten used to it, but it was too scary when converted into Hong Kong dollars.

Everyone's money is measured in billions.

Zhao Yuanyuan guessed that even Li Hongying's family might not be richer than Chen Fan. At least their cash flow was far less than that of Chen Fan, but that was a family that had been developing in Hong Kong for nearly 20 years.

"Don't make a fuss!"

Zeng Ali rolled her eyes at her. There were already 18 bodyguards in the house, 6 women and 12 men, all of whom were very skilled.

Especially the 10 veterans sent by Chen Min, all of whom had killed monkeys and seen blood in the south. They might not be professional to be bodyguards, but if they were equipped with guns, the kidnappers would have to take a detour when they saw them.

They really are equipped with guns!
The Li family has its own security company. After the bodyguards come, they are registered with the security company and can legally carry guns.

"How can you call it a commotion? I want to kidnap him."

"miser!"

Zeng Ali pinched her cheek and said, "Don't forget, you also have a share of this loan. 10% is not a small amount of money."

Zhao Yuanyuan grinned and giggled.

A few days later, on October 10, Hong Kong suddenly announced the implementation of the linked exchange rate system, with the Hong Kong dollar again pegged to the US dollar, and the exchange rate set at 15 Hong Kong dollars to 7.8 US dollar.

Lululemon borrowed 5000 million US dollars, exchanged it for Hong Kong dollars at the exchange rate of 9.6, and received 4.8 million Hong Kong dollars, which can now be exchanged for 6153 million US dollars.

The profit from the transaction was US$1153 million.

10% of it belongs to Zhao Yuanyuan, which is 115.3 million US dollars, and it is still a lot after deducting the interest.

Having earned more than one million US dollars without doing anything, Zhao Yuanyuan immediately announced that she would treat everyone to a meal at the Peninsula Hotel and order some expensive food.

Seeing her money-grubbing look, Chen Fan couldn't help but tease her: "Qiu'er wants to set up a charity fund. As her younger sister, you just got rich. Do you want to show some appreciation?"

Hearing this, Zhao Yuanyuan was stunned.

PS: The first update is here. Thank you all for subscribing and voting for support!
(End of this chapter)