Chen Yucai's eyes lit up when he heard this, and he gave Zhang Yunhe a thumbs up: "Brother Zhang, this is a brilliant move. Now I won't be afraid of being investigated anymore!"

Zhang Yunhe nodded. "That's right. Brother Chen can send someone to open a bank account overseas or in Hong Kong. Even if someone wants to check on you, they won't be able to find out. Even if they send someone to investigate, the bank there will refuse their investigation to protect customer confidentiality!"

The next day, Chen Yucai signed an arms order with Zhang Yunhe on behalf of the logistics department. The amount was as high as 8 million US dollars, and the delivery deadline was three months. If the delivery was delayed for one day, Zhang Yunhe would be fined 1% of the payment.

The day after signing the arms purchase order, Zhang Yunhe flew to Hong Kong Island and handed the order to the arms company to work overtime for production.

This time when he returned to Hong Kong Island, in addition to visiting his wife and children and giving production tasks to the arms company, Zhang Yunhe also had one thing to do, which was to establish a bank.

You can't just set up a bank whenever you want. Even in the Qing Dynasty, if you wanted to set up a bank, you had to obtain a license from the Ministry of Revenue before you could be allowed to do so.

At that time, there were more than 40 banks of various sizes in Hong Kong Island. Among them, HSBC, Standard Chartered Bank and Mercantile Bank were naturally the largest and most financially sound. Only these three banks were licensed and qualified to issue banknotes.

Other banks only have limited licenses. The so-called limited licenses mean that they can only engage in loan, trust, foreign exchange and other businesses, and banks with limited licenses cannot be directly called a certain bank. For example, Hang Seng at that time was not called Hang Seng Bank, but could only be called Hang Seng Silver Bank.

Licensed banks are not restricted in the scope of their business operations. However, relatively speaking, licensed banks are subject to much stricter supervision, while the supervision of limited licensed banks is much looser.

Zhang Yunhe had long wanted to open a bank at the University of Hong Kong to store funds. He had too much money in his hands, and it would not generate value if it was kept in the backpack space. If he opened a bank, he could gradually lend out the money, exchange it for foreign exchange, and thus generate profits.

In the evening, Zhang Yunhe was swimming in the villa swimming pool when his wife Liu Huilan came over with a plate of sliced ​​watermelon.

“Eat some watermelon!”

Zhang Yunhe heard his wife's cry and swam to the edge of the swimming pool. He took a piece of watermelon from his wife and took a bite. "Hmm, not bad, very sweet."

Liu Huilan sat on the recliner and asked, "How long will you stay in Hong Kong Island this time?"

"It should take about a week. Once we have dealt with the backlog of things here, we have to return to Shanghai," said Zhang Yunhe while eating watermelon.

Liu Huilan said, "Can't you let someone else handle things over there? You're running around all year round, and you're rarely home. Your son has grown up, and you don't get to spend enough time with him!"

Zhang Yunhe sighed, "Do you think I don't want to spend more time with you? I have no choice. There are some things I don't trust others to do, and there are some decisions that others can't make for me!"

Liu Huilan was silent for a moment and asked, "What are your plans for tomorrow?"

Zhang Yunhe said: "Tomorrow I will go to the Governor's Mansion to visit Nosket. I plan to open a bank here and need official support."

"Open a bank?" Liu Huilan was surprised. She continued, "As far as I know, there are only three licensed banks here that can use the name 'Bank'. Other banks can also be called banks, but these limited licensed banks must specify their business scope in their names, and they cannot issue banknotes."

Zhang Yunhe said, "Everything depends on human effort. I plan to talk to Noskte!"

At 9 o'clock the next morning, Zhang Yunhe and his wife Liu Huilan went to the Governor's Mansion to visit Nosket.

At this time, Nosket no longer dared to look down on Zhang Yunhe, nor could he show an arrogant attitude towards him. As the head of the Governor's Office, he naturally had sources of information that knew that Zhang Yunhe's armed merchant group had only 3000 people on the surface, but in fact the total strength had exceeded 1, which was the size of a reorganized division.

He also knew that Zhang Yunhe had invested a lot in this armed merchant group, and its weapons and equipment were more than twice as powerful as a Royal British Army division in terms of firepower output.

Moreover, this armed merchant group not only has armored vehicles, but also tanks, anti-aircraft guns, and even a fighter flight regiment equipped with 36 fighter jets and 3 reconnaissance planes.

At this time, Northcott felt very regretful. If he had known that Zhang Yunhe was willing to invest huge sums of money to build this armed merchant corps, he would not have agreed to Zhang Yunhe using money to purchase quotas for soldiers, let alone give Zhang Yunhe the name of an armed merchant corps.

At this time, Zhang Yunhe's armed merchant group had become too powerful to be eliminated. The British soldiers in the entire Hong Kong Island, plus the soldiers transferred from India and Canada, were only equal in strength to the number of people in this armed merchant group.

In other words, Zhang Yunhe has now become the true king of the mountain here. With his strength, he can turn the situation around at any time if he stomps his feet here.

"Oh, dear Mr. Zhang, I haven't seen you for a long time. What have you been busy with recently?" Northcott greeted Zhang Yunhe enthusiastically and welcomed his arrival.

Zhang Yunhe shook hands with Northcutt and his wife. "I've been busy with business. Business opportunities are everywhere, but they also come with many dangers! Oh, let me introduce you two. This is my wife, Liu Huilan!"

"Nice to meet Sir and Lady Northcott. I'm Liu Huilan." Liu Huilan greeted the host couple with a smile.

The Northcotts greeted her and welcomed her arrival.

At the invitation of the couple, Zhang Yunhe and Liu Huilan came to the living room and sat down. The four of them chatted about the international situation and the situation in various parts of Hong Kong Island.

Half an hour later, Zhang Yunhe whispered a few words to Liu Huilan, and Liu Huilan found an excuse to take the lady outside to the garden.

Zhang Yunhe then said to Northcutt: "Sir, I came here to discuss cooperation with you."

"Talk about cooperation? How to cooperate?" asked Nosket.

Zhang Yunhe smiled and said, "I want to open a licensed bank in Hong Kong Island. I would be honored if you were willing to invest in it!"

Nostek raised his eyebrows when he heard this. "Oh Zhang, there are only three licensed banks in the entire Hong Kong Island. Licenses are not easy to obtain. Moreover, as civil servants, we are not allowed to participate in commercial operations!"

Zhang Yunhe shrugged and said, "Sir, whether or not the license can be issued is up to you, the Governor, to decide. And no one wants you to participate in commercial operations. You're just a shareholder in the bank. If you have regulations that prohibit you from even being a shareholder in the company, I can give you a portion of my personal shares as hidden dry shares. I promise that as long as the bank is open, I will distribute dividends at the end of each year."

"If you're afraid of being investigated, to be on the safe side, you can also designate a direct relative to receive the dividend!"

After listening to Zhang Yunhe's words, Nostek felt quite impressed. When it comes to building relationships, Orientals still have more tricks!

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