Hong Kong Island: From a small stall to a global supplier

Chapter 68 Undercover
In the reception room of Jiang Zhizhen Law Firm, Sang Yunkai put down his coffee and looked at Wang Yaotang in surprise, "You want to apply for a financial card?"

Caizai brand, full name 'Hong Kong Money Lenders License'.

The Money Lenders Ordinance defines a “money lender” as any person who carries on the business of lending money or who advertises, announces or in any way holds himself out as being engaged in such business.

The Ordinance stipulates that anyone engaged in money lending business in Hong Kong must hold a license. It is illegal for anyone to operate a money lending business without a license.

The lending business of financial companies run by social groups today is almost always illegal and is not recognized by the law at all.

Of course, since the society has the knife in its hand, it does not need to give face to the law.

“Why are you looking at me like that? I am a legitimate businessman, a legitimate businessman!” Wang Yaotang knocked on the door repeatedly.

"OK, OK." Sang Yunkai smiled and raised his hands in surrender. "I'm just curious about how you know this thing."

Wang Yaotang glanced at me and said, "I will tell you that I am a law (LV1) professional. I may not be as good as you in a certain field, but I am definitely better than you in breadth!"

"After applying for this, you can no longer lend money at high interest rates."

"I rectified the model of Malan, adjusted the production relations, released productivity, and avoided legal risks, but as a result, the debts owed by those women became uncontrollable risks. I need legal protection."

Sang Yunkai's facial features were all tangled up in confusion. "I can understand every word, but when you put them together... and then say them out of your mouth, I can't understand them."

Wang Yaotang had to explain.

"No, do societies now require such high quality and knowledge? Do they also need to understand economics? Understand law?" Sang Yunkai sighed repeatedly, "You put so much pressure on me!"

"The competition among clubs is very fierce. Over the past decade, more than 50 clubs have been stripped of their licenses." Wang Yaotang looked reserved.

I give this guy full marks. Sang Yunkai gave him a thumbs up. "The little god of wealth really deserves his reputation. I admire him!"

Sang Yunkai then said, "It's not a big problem to apply for a financial card, but there are a few points I need to make clear to you."

"First: According to the law..."

"The regulations state that the loan interest rate cannot exceed 60%, otherwise it will be considered usury. Don't talk to me about the law, I know all this." Wang Yaotang smiled and took over the conversation, "Know the law, learn the law, understand the law, and use the law, otherwise you will be a gangster all your life!"

"You didn't say a word about abiding by the law!" Sang Yunkai said with a smile.

"If you obey the law, you are a good citizen, right?"

"Okay." Sang Yunkai shook his head and said, "The remaining issue is the photo application. First, the police department will conduct a detailed investigation on you. There is no bad information record in the financial field. The license holder must pass an exam and prove personal financial resources. The last one is education and experience."

"I don't have any experience in getting a license!"

“As for experience, the law firm can help you, but as for academic qualifications.” Sang Yunkai spread his hands.

"buy one."

"Buy? Impossible, absolutely impossible!" Sang Yunkai's eyes widened. He studied hard for more than ten years to get a diploma, and you say you want to buy it?
"You'd better go ask Mr. Jiang Zhizhen before answering me." Wang Yaotang crossed his legs.

At this moment, Fang Hongjian and Tang Jun sent congratulatory messages!
Laura Callahan, deputy director of the U.S. Department of Homeland Security and chief information officer, was forced to resign after it was discovered that she had bought her doctorate.

A special Senate investigation committee conducted an eight-month investigation and found that 8 federal employees had committed crimes, including 463 people in the Department of Defense and 257 senior executives, whose academic qualifications were purchased for $28.

Not long after, Sang Yunkai came back with a broken expression, as if his worldview had collapsed.

You can buy it!

You can buy it in many European countries. However, the price varies in different countries and in universities of different levels.

The most expensive are in the UK, France and Germany, followed by Finland, Denmark, Norway and Ireland. Malta, Iceland and Cyprus are the cheapest, where you can directly buy a bachelor's degree from a regular university.

Wang Yaotang hesitated for a while and finally chose Denmark, a fake university, which cost him 6 Hong Kong dollars.

After writing the check, Wang Yaotang noticed that Sang Yunkai looked dazed, "Why?"

"I took out a loan for college, 10 Hong Kong dollars!"

Wang Yaotang patted Sang Yunkai on the shoulder and said, "Okay, don't be sad. You still have to pay back the loan. Cheer up."

Sang Yunkai: “!!!”

The graduation certificate can be mailed back in half a month, and the law firm can handle all other issues related to the license application. It is a good opportunity to make use of Shark Kun’s billiard hall on the second floor, which is convenient for external business.

Finally, the issue of finding a professional credit manager was also handed over to Sang Yunkai.

In those days, headhunting companies had not yet become popular, and law firms also took on headhunting tasks because they came into contact with enough high-end business people.

"Then please help me find an experienced CEO, an HR, and two financial officers for my clothing company."

"I can only look for it, and you will need to negotiate on your own in the end." "I understand, that's it, let's settle the bill together then."

……

"Wei Tao, graduated from Baptist University."

"Zhan Zeyu, Festival One University, majoring in business."

A Wei introduced the two young men next to him, "They have the highest academic qualifications."

The recruitment matter was thrown to Awei. According to what Wang Yaotang said, if you don't know how to select people, just choose the one with the highest academic qualifications.

"Have you heard of me?" Wang Yaotang looked him up and down.

"Brother Yao, I've heard of it." Wei Tao said in a deep voice.

"The little god of wealth with two flowers and a red stick is the most powerful person in the world." Zhan Zeyu replied with a smile.

"Oh, you knew that and still dared to come work for me?"

Wei Tao looked at Zhan Zeyu.

Zhan Zeyu scratched his head and chuckled, "I heard the company has benefits. I like fashion the most."

Wang Yaotang laughed. "A business graduate from a polytechnic is afraid of not being able to find a girlfriend?"

"Brother Yao, the most important thing in life is to be happy. Getting married is troublesome."

This sentence made Wang Yaotang silent. "You can talk about lust so refreshingly and elegantly. You are indeed a top student."

"And you!"

"I've applied to several companies, and it would take many years to get ahead, which doesn't fit my plan for myself," Wei Tao said in a deep voice.

"Are you short of money?"

"I am from Kwun Tong housing estate and I went to university through the Post-Secondary Student Financial Assistance Scheme."

Wang Yaotang pondered for a moment and pointed at Zhan Zeyu, "Awei, throw this guy away and go manage the Fenglinwan Hotel."

"During this time, I will familiarize myself with the film and television industry."

"I warn you, you are not allowed to use your position to force women. You must pay them!"

"Otherwise I'll cut your Jill into pieces and feed them to the dogs."

"Yeah, the same goes for men!"

"I understand, Brother Yao." Zhan Zeyu's mouth twitched.

"Wei Tao, you will be my secretary for a while." There are security companies, clothing companies, stores, hotels, movie screenings, and other messy matters in other communities. There are too many things to do and no one around to help remember them.

Those little brothers around me can just kill people and be secretaries...

"Oh, okay, Brother Yao." Wei Tao looked surprised.

"Awei, send someone to investigate their past, starting from elementary school." Wang Yaotang looked at the two and said, "The probation period is one month, the salary is 6000, and the regular salary is 10000. Is there any problem?"

"Okay, Brother Yao." The visitors answered in unison.

"Okay, that's it, let's start work today."

"Okay, Brother Yao."

Recruitment has to continue. Wang Yaotang plans to poach two people from the same industry, but they cannot all be recruited from outside. He also needs to train a few himself.

It’s easy to fool people who have just graduated.

After thinking for a while, Wang Yaotang looked at Wei Tao and said, "The first job is to find out if there are any poor students in the housing estates in nearby Hong Kong Island who have good academic performance. I will pay for their college education!"

Wang Yaotang snapped his fingers and said, "We can set up a charity fund, which can also be used to deduct taxes."

The industry will only grow bigger in the future, and a talent pool must be built now.

A hint of surprise flashed across Wei Tao's face. A gangster actually wanted to do charity?
No, I'm afraid we need to cultivate a high-IQ criminal group from a young age?
Pay close attention!

As he was thinking about it, his hands moved quickly and he immediately picked up a pen and paper to write it down.

(End of this chapter)