The Li family leader also frowned and said, "To be honest, our six major families have only pooled 500,000 pounds to invest in a bank with a total investment of 10 million pounds. It is indeed too little. If we tell others about it, others will laugh at us!"

The Li family leader immediately said, "Old Li, since you say so, then you should put up 200,000 pounds. At the very least, we should put up 1 million pounds as a stake!"

"20 pounds? Even if you break my old bones now, I can't come up with 20 pounds. Do you think 20 pounds is 20 French francs, and you can take it out just like that? I can only take 10 pounds at most now, and if we take this 10 pounds, our family will have to tighten its belt for half a year," said the leader of the Li family with a bitter face.

At this time, Lin Zhenyan, the head of the Lin family, said, "Everyone, I think this is an opportunity. In the past, we had no way to obtain a licensed bank, and the foreign devils would not allow us to have a say in finance. But now we have this opportunity, we absolutely cannot let it go!"

"Even though we won't be able to control the bank once it's established, as shareholders we have a say. Furthermore, the helmsman, Zhang Yunhe, is our compatriot. He's much closer to us than a foreigner, right?"

"How about this? Let's find a way to raise one million pounds. I'll personally raise 300,000 pounds, no matter what, even if I have to sell everything I have. You five families can discuss how to divide the remaining 700,000 pounds!"

The leaders of the other five families looked at each other, making tentative eye contact. Two minutes later, the leader of the Li family said, "How about this? My family will also contribute 300,000 pounds, and the remaining 400,000 pounds will be divided among the four families."

In fact, he had already thought it through. Now that his family could not come up with so much money, he could only sell some of the poorly managed and slow-returning industries to raise some cash. For the remaining part, he wanted to go to banks and money houses for loans.

The head of the Li family was very surprised: "Old Li, you said that your Li family's business has been bad in recent years, but you took out 30 pounds without blinking an eye. You are really rich!"

"Stop talking nonsense. Lao Lin and I each get 30. Just tell me how much your Li family will get!" asked the leader of the Li family.

The Li family boss was embarrassed by the criticism and could only grit his teeth and say, "Okay, I'll take 10!"

The three remaining leaders looked at each other, and finally the Luo family leader said, "Then how about this? Each of the three remaining families will take 10!"

The next morning, Zhang Yunhe and his wife and children had just finished breakfast and were about to leave when a servant came to report, "Sir, the leaders of the six major families are here to visit!"

"Oh? Please come on!"

"Yes!"

Zhang Yunhe also walked to the gate of the villa to greet them, "Welcome Boss Lin, Boss He, Boss Li..."

Lin Zhenyan smiled and bowed, saying, "I apologize for coming to bother Commander Zhang without saying hello."

"It's okay, it's okay. You all have made my humble home glorious. Please come in and have some tea, bosses!" Zhang Yunhe said as he made a gesture of invitation.

People from the six major families bowed in greeting.

In the spacious and bright living room, Zhang Yunhe and the leaders of the six major families sat on leather European sofas, chatting about the international situation, the domestic war against the Japanese, and the economic situation on the island and internationally.

We've had two refills of tea, but we haven't gotten into the real topic yet.

Seeing that time was almost up, Lin Zhenyan, the head of the Lin family, said to Zhang Yunhe, "Commander Zhang, last night you told us about opening a bank. After we returned home, the six of us discussed it. Since Commander Zhang is interested in entering the financial industry, and we think there should be a formal bank for us locals on the island, we have decided to establish this bank with you."

"It's just that our current funds are tied up in other businesses and industries, so we really can't come up with too much money in such a short period of time. The six of us can only come up with a maximum of 1 million pounds together. Look at this... I'm really sorry."

Zhang Yunhe actually didn't care. He didn't have to get these six major families to invest. He was going to open this bank with or without their participation. Now that these people could find a way to raise 1 million pounds, it had already exceeded his expectations.

He smiled and said, "That's fine, that's fine. I'm already very happy that you can come up with one million pounds. I'm not short of money. Even I can come up with ten million by myself. The main reason I let you six families invest is because I think that when you're away from home, every friend will open up new avenues!"

"As you all know, running a bank will never lose money, it will only make money. However, there is no end to the money to be made in this world. I have always believed that friends should make money together. In the future, I will rely heavily on you for the bank's business and word-of-mouth publicity."

Lin Zhenyan applauded and said with a smile, "Well, Commander Zhang is right. We should all make money together. I wholeheartedly agree with that. If everyone can make money, life will be better and the economy will improve!"

"Yeah, come to think of it, we have to thank Commander Zhang for taking us with him when he opened the bank, otherwise we wouldn't have found such a good opportunity!"

Everyone complimented him one after another, and Zhang Yunhe responded with a smile.

After everyone finished speaking, he asked, "How long will it take you all to gather the one million pounds? You know I'm very busy right now. Not only do I have to manage the affairs of the armed merchant corps, but I also have many other business ventures that require me to travel frequently. So I want to take advantage of this time to take care of this matter at home!"

"Here's what I'm thinking: First, we'll choose a building, finalize the bank's location, name, and investment amount, and then submit an application to the Governor's Office for a licensed bank and banknote-issuing qualifications. Before that, we'll need to sign an investment share and equity distribution agreement, and also draft the company's articles of association."

"I can find someone to take care of everything else. You just need to prepare the investment capital within a week, then we will sign the equity distribution agreement and hold a shareholders' meeting. Then you don't have to worry about the rest."

"Once the license and other formalities are in place, we'll discuss establishing a board of directors and a board of supervisors, and setting up the company's organizational structure. What do you all think?"

People from the six major families all expressed their agreement.

After discussion, everyone decided to invest 900 million pounds in the New Bank with his Hong Kong Arms Company, accounting for 90% of the shares. The Lin family and the Li family each held 3%, and the remaining four major families each held 1%.

After further discussion, everyone decided to name the company Harbour Bank Limited.

In the next few days, Zhang Yunhe sent people to select a site and a building, and people from the six major families raised money.

That afternoon, Zhang Yunhe made an appointment to meet with He Pushan from the He family, who is currently the deputy manager of Hang Seng Bank.

The two men met at a cafe. When He Pushan arrived, one of Zhang Yunhe's bodyguards walked over and asked, "Is this Mr. He Pushan?"

"it's me"

"Mr. Zhang is already waiting for you, please follow me!"

"Okay, thank you!"

The bodyguard brought He Pushan to Zhang Yunhe and said, "Boss, Mr. He is here!"

Zhang Yunhe stood up and took the initiative to shake hands with He Pushan: "Mr. He, nice to meet you!"

He Pushan was flattered and quickly stepped forward and stretched out his hands: "It is my honor to meet Mr. Zhang."

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