"Sir, the private exchange rate between Hong Kong dollars and US dollars, and the official US dollar exchange rate are not secrets in Hong Kong. I subconsciously overlooked that you are from the mainland, and I did not intend to cheat you."
"The People's Bank of China to US Dollar exchange, whether it's HSBC or any bank in Hong Kong, does not offer this service."
"You can think about it first. I have no authority to change the exchange rate for Hong Kong dollars. If you need anything, you can always find me. I have other things to attend to, so I'll be busy now."
Huang Lizhen waved her hand, appearing very indifferent.
However, how could her little tricks be hidden from Chen Yang, who had spent decades in business in his previous life? This woman did not subconsciously overlook that he was from the mainland.
She clearly thought he was from the mainland and wanted to trick him. Unexpectedly, Chen Yang saw through her directly. However, even after being seen through, she showed no embarrassment.
"I'll exchange 30,000 Hong Kong dollars first. I'll try to find a friend for the rest."
Chen Yang made his decision after a brief moment of thought.
He couldn't exchange all his money for Hong Kong dollars; that would be truly foolish.
After all, when purchasing equipment, people would accept US dollars. Hong Kong dollars couldn't compare to US dollars.
"Certainly. Xiao Li, handle the procedures for Mr. Chen to exchange thirty thousand Hong Kong dollars."
Huang Lizhen smiled faintly. Although it was only thirty thousand, this thirty thousand Renminbi was worth twenty thousand US dollars. When converted to Hong Kong dollars, it was over 150,000. She spent only over 30,000 Hong Kong dollars, making a pure profit of 120,000.
Of course, this was dependent on someone trading with her using US dollars. If they used Hong Kong dollars, she probably wouldn't earn this much.
But with her connections in Hong Kong and her backing by HSBC, she naturally had no shortage of businessmen who needed Renminbi.
Of course, only she could do this. Ordinary people didn't have her capabilities.
"By the way, Manager Huang, if I recall correctly, HSBC also offers safe deposit boxes to store customers' valuables, right? I have some items that need to be stored at HSBC for a while."
After exchanging 30,000 Hong Kong dollars, Chen Yang glanced at Huang Lizhen. Having exchanged a remainder of 30,000, he still had 700,000 Renminbi left.
Chen Yang had no acquaintances in Hong Kong. The reason he exchanged Hong Kong dollars was simply to have money to look for people to see if he could find suitable channels to exchange for US dollars.
If Huang Lizhen wanted to profit from the exchange rate, it meant one thing: Renminbi had a market and demand in Hong Kong. Otherwise, Huang Lizhen's exchanged Renminbi would be stuck with her.
It was certainly not safe to travel with so much money. It was better to spend some money and store it at HSBC.
"Mr. Chen, you want to store your funds, right? HSBC has a standard fee based on the amount of funds. For every 100,000 Hong Kong dollars, the storage fee is 100 yuan per day. The fee will be determined by the amount you deposit and the number of days."
Looking at this shrewd woman's sweet smile, Chen Yang felt a pang of bitterness.
Indeed, the more beautiful a woman, the more ruthless her intentions.
100,000 yuan a day cost 100 yuan, which was 3,000 yuan a month. If he couldn't exchange his 700,000 within a month, the storage fee alone would cost 21,000 yuan.
Greedy, truly damnably greedy!
No wonder in Hong Kong films in the next twenty to thirty years, HSBC would be robbed so many times. Banks are truly profitable.
"I have 700,000 here. I'll deposit it for ten days first. I'll see the situation later. If my friend finds a way, I won't need such a long time."
Ten days in the bank, and seven thousand yuan was gone!
Zhang Weiyang and the others felt their hearts bleed when they heard this. Although they had earned so much money, a worker's monthly wage in the mainland was only a few dozen yuan.
Seven thousand yuan was an astronomical sum. It was enough for seven or eight families to buy a complete set of "three turns and one ring" appliances.
"Alright, Mr. Chen. We will arrange for personnel to count the amount and process the account. Once the cash is placed in the safe, only you, Mr. Chen, will hold the key. Even internal employees of HSBC will not have access to the contents."
"Please be absolutely assured of the security. This is the reputation HSBC has built over many years."
Huang Lizhen's face beamed with a smile. Ten days meant another seven thousand in revenue. For marketing services beyond basic services, HSBC gave her a 10% commission, which was 700 yuan.
Her monthly salary was only a little over 2,000 Hong Kong dollars. 700 yuan was not a small amount.
Of course, the bigger part was the 30,000 Renminbi Chen Yang exchanged. If she could find someone to exchange it for US dollars, she would make a huge profit this time.
She planned to exchange this money herself with the same teller later. She wouldn't get a single cent if she exchanged it through the bank.
If she exchanged it herself, any amount exceeding her initial 30,000 Hong Kong dollar capital would be pure profit for her.
Of course, if she couldn't find a buyer for Renminbi, the money would be stuck with her. HSBC had no policy for exchanging Renminbi for Hong Kong dollars; it would be her own money! Sudan Novel Network.
The bold get rich, the timid starve.
Not only were the hardworking Chinese people striving, but the financial women of Hong Kong were also striving.
Whether she could move from a dilapidated fishing boat by the sea in Kowloon City to Tsim Sha Tsui depended on whether she could seize the opportunity to make a fortune.
She had worked tirelessly to get into the University of Hong Kong just to escape poverty in her life. Her parents were just fishermen. Her father made a living by fishing, selling fish, and doing odd jobs like pulling carts and selling goods. If it weren't for her aunt's help, she wouldn't have been able to study.
She wanted to turn her life around, so she had to take risks.
Chen Yang's money was her first pot of gold to turn her life around!
Chen Yang naturally didn't know what this smiling woman was thinking. After depositing the money at HSBC, he took the 30,000 Hong Kong dollars and left HSBC Tower with Zhang Weiyang and the others.
When they arrived, they had not a single cent of Hong Kong dollars and carried several burlap sacks, not even daring to take a taxi. Now, with 30,000 Hong Kong dollars, they were doing quite well in Hong Kong.
Chen Yang directly took a taxi to the department store in Tsim Sha Tsui. Clothes make the man, and a horse makes the rider. With their current attire, they looked like beggars to the wealthy.
What businessman would be willing to trust such a partner, especially when so much money was involved? Changing their appearance was a step in Chen Yang's plan.
"Brother, these four-wheeled vehicles run faster and steadier than tractors."
Zhang Weiyang had also ridden in jeeps with leaders in Anhui province, but they couldn't compare to Hong Kong taxis. Of course, the road conditions were also different.
Anhui province roads were mostly dirt or gravel, uneven. Hong Kong had cement and asphalt roads, which were flat and smooth, without any bumps.
"Weiyang, what is this? In another year, if you want one, I'll buy you a better one."
Chen Yang smiled faintly. If they could acquire the two production lines, with the sales channels they had now expanded, they would be making a fortune daily. Buying a few cars to conduct business would be no problem at all!