The auction cost more than 4 billion, and the follow-up cost of a modern terminal may be larger than this figure, even for Hutchison, it will be a lot of money, but when the market is optimistic about Hong Kong's economy, in addition to the real estate industry, the port is also sought after, and banks in Hong Kong and even overseas are willing to undertake the huge loans that this project can bring.

Chow also followed Chen Zhiwen's instructions to only accept Hong Kong dollar loans, but he could not rely entirely on HSBC, so he began to negotiate with many overseas banks to let them provide Hong Kong dollar loans.

In fact, this is also a good thing for overseas banks, Hong Kong does not refuse overseas banks to absorb deposits, but, under normal circumstances, it is difficult, because of the reason of information blockage, in addition to those world-renowned super banks, other banks that have influence in their own countries, are also very much that in Hong Kong to absorb deposits, unless the interest rate is increased, but in doing so, it will face a problem, if the funds from the high price absorption have no place to go in the local area, and need to compete with other banks, it will inevitably cause losses.

You know, there is a lot of difference in interest between the loan and the deposit, which is a big cost, it is necessary to find a large number of customers, and the labor cost, risk control cost, and time cost will increase significantly after the number is more, and a high-amount loan, even if the interest is lower, is more cost-effective, not to mention, the other party is Hutchison, behind is Chen Zhiwen, the project is the largest wharf in Hong Kong, basically 0 risk.

Therefore, if a large loan agreement is reached with the local giant Hutchison, then it can be released to absorb deposits, and in the same way, for Hong Kong's local small and medium-sized banks, this is also the case, the biggest problem after they absorb deposits, is the trouble of lending out, and now with Hutchison's large loan agreement, the same can be large-scale expansion.

This is also in line with Chen Zhiwen's previous plan, to focus on supporting Hong Kong's medium-sized banks, after all, Hisense Bank can not give itself loans, the future of Standard Chartered, will also not work, even if Hongkong Land and Wong Wharf Jiahong four major real estate groups in the future focus is to develop outward, but in Hong Kong has tens of billions of Hong Kong dollars in assets, the future may be more, is not too deep binding with HSBC.

In addition to Hutchison's successful bid for the No. 5 Kwai Chung Container Terminal, there is also good news from the UK, after almost a year of discussions, the British government and Leyland Motors Group finally reached an agreement with the United States AMC to sell the mini car company as a wholly-owned company, so far, the American AMC Group has its own base in Europe for the first time.

After Chen Zhiwen got the news, he didn't go to the United Kingdom specifically, anyway, it has already been acquired, let the United States and Britain team integrate and fuse first, and then go to Europe when he has something special, and then go to see, after all, with the scale of his entire group now, this kind of medium-sized acquisition, he just needs to pay a little attention to it, it is impossible to go to a few trips specifically because of such a thing, spend a month, and then understand it by the way.

In addition, more than half of his current energy still has to be at home.

Hong Kong, Tai Ping Shan Chan Family Villa.

"Minmin, Fei Fei, come, look at Dad and raise your head." Chen Zhiwen said encouragingly while shaking the drum.

The time has come to August, and the two children have been three months old, and now the boy Chen Shimin is handsome and cute, and the girl Chen Yifei is well-behaved and lovely, which is the center of the entire Chen family now, and everything has to be ranked behind the two of them.

Three-month-old children, it's time to start exercising and looking up, the two little cuties lie on the soft quilt with their backs up, attracted by the rattle or the sound of adults, they will always raise their heads to look at it for a while, but they can't support it for long, and they will lower their heads after a while.

"Come on." Everyone in the Chen family is also watching this pair of sweethearts and hearts and cheering them up, and around them, there are several Hong Kong gold medal nurses on call.

At this moment, where they are located, is a special entertainment room for the two children, with a single area of 500 feet, which is an unattainable dream for others in Hong Kong, but this is just a place for the future descendants of the Chen family to play, and here, it is still in Taiping Mountain, every inch of land.

Exercising the child's head is to enhance the child's physical strength, and it is also one of the contents recommended by the doctor.

So, the two children were taken to sleep again.

"Arwen." Chen Tianfu chased after Chen Zhiwen from behind and asked, "What are your plans for the education of the two children?" ”

"Education? It's a bit too early to talk about that, right? Chen Zhiwen asked with some puzzlement.

"It's early, but you have to plan early, there are some wealthy families in Hong Kong, but when the child is one year old, he is sent to study, not to learn anything, but to learn some basic rules, and at the same time to look at the child's habits." Chen Tianfu said: "I didn't think about this at first, but a few days ago, when I was chatting with someone, someone else told me. ”

"Hong Kong's wealthy families do value future generations, and so do I, but I won't let them learn these things so early." Chen Zhiwen shook his head and said: "In the first three years, just let them play with peace of mind, as long as they don't make basic mistakes, and when they are a little sensible, they can arrange all kinds of learning." ”

Born in a super wealthy family, in fact, it is the same as being born in the family of ancient emperors, and it also bears a certain responsibility, and when you are a child, you have to receive training that is completely different from ordinary people, so that you have the ability to take over the business territory of the family in the future and pass them on, which is an inevitable responsibility, of course, this is a good thing for anyone, in an end that others may not be able to reach in a lifetime, unless you want to be a waste, otherwise you have to work hard.

However, Chen Zhiwen still hopes that his children will live happily and happily in their ignorant childhood when they are youngest, and just have fun.

Sometimes, looking at the child's happy smile, Chen Zhiwen sometimes really hopes that it will not grow too fast, and it is also very good to have a carefree childhood, but unfortunately, time is eternal, and it can only be like this.

"Well, that's fine, no matter how important the child's education is, I don't think it's necessary to start more than a year old." Chen Tianfu nodded and said, although he also felt so, but now that the pillar of the Chen family is Chen Zhiwen, he naturally has to ask his opinion.

"Think about it in a few years." Chen Zhiwen said with a smile.

"I think you can have a few more, anyway, the family property of our Chen family is inherited by our children." Chen Tianfu laughed.

"There's no rush to this." Chen Zhiwen shrugged and said: "Actually, at my age, it's no problem to survive until my grandchildren reach adulthood." ”

Among the wealthy families in Hong Kong, there are really many who directly pass on the throne to their grandchildren, even the ancient emperors are the same, in modern society, there are no major problems with people's health, and if you have money, it is not difficult to live to 90 years old.

"That's true, but I don't think I can wait." Chen Tianfu smiled and said, "Let me tell you something, over there, the house price has begun to rise sharply. ”

"That's normal, how much did you invest there?" After a large number of industries transferred from developed countries in the 70s and early 80s, Southeast Asia's economy also began to slowly lead to qualitative changes from quantitative changes, and began to take off after 85 years, and in the next ten years, there were four tigers in the first five years, and there were four tigers in the last five years, and Wanwan was one of them.

"It's not a small investment, but I want to say that the increase in housing prices and stock prices over there is much more exaggerated than in Hong Kong." Chen Tianfu said: "Our Chen family has too much wealth in Hong Kong, too concentrated, so even if the future of Hong Kong is not bad, but I still tend to transfer my capital out, part of it is in the mainland, part of it is in Wanwan, but in the past six months, the land price of Wanwan has risen by 30%, and the stock price is about the same, which is much higher than that of Hong Kong. ”

"Wanwan's income in the next few years may indeed be greater than Hong Kong's, if you invest, you can do it, but I estimate that they are likely to be like Hong Kong, there will be a wave of ups and downs, the risk is still quite high, may need to withdraw in a few years, it can only be said that it is a good short-term project, in the long term, or Hong Kong or the mainland is better." Chen Zhiwen thought for a while and said.

For the economic situation of Wanwan in the 80-90s, there is not much research in China in later generations, relatively speaking, Hong Kong's is much clearer, from 85-97.

However, it is still a logic, when the stock market suddenly plummets, it is basically out of the very peak time, that is, under normal circumstances, the years before the crash are definitely the most profitable times. Even Chen Zhiwen is not sure about the exact time.

"Can it only be for a short time?" Chen Tianfu frowned and said: "I actually don't want to toss too much, so I should choose something that can be stable for a long time." ”

After all, when I am older, my thinking is completely different from that of ten or twenty years ago, at that time, even if I am stable, when I prepare for my own future, I will sometimes take a gamble, but I will try to control the risk, and now I will naturally not be so tossed.

"It is estimated that in a few years, there will be not many restrictions on foreign investment, but there will still be restrictions on real estate, at most you will build shopping malls or office buildings or hotels and the like." Chen Zhiwen paused and said: "If Wanwan is in the future, there will definitely be real estate volatility, but I estimate that the electronics industry will not, Dad, do you want to consider holding shares in some electronics industry companies for a long time." ”

"Electronics companies? You mean, something like the TSMC that you invested in? Chen Tianfu asked.

"No, TSMC's situation is special, it is estimated that it is unlikely to be listed in a short period of time, if it has average results in the future, then it makes no sense for you to invest, and it will succeed in the future, it is difficult for ordinary people to invest, I am talking about those electronic assembly factories that specialize in OEM for large enterprises in Europe, America and Japan." Chen Zhiwen said.

The TSMC project was planned more than two years ago, and he met with Zhang Zhongmou, the vice president who was still working at Texas Instruments at the time, in the United States, to provide his own resources, he provided capabilities and formed a team, and the two sides worked together to build the world's first wafer chip foundry factory in Wanwan.

What is different from the original history is that because of its own capital investment, plus orders from the United States, TSMC is now expanding rapidly, and theoretically speaking, its performance may be stronger than in the original history, but this kind of thing is not certain, after all, the butterfly effect will become bigger and bigger in the later stage.

Regardless of whether it can go to the most successful moment in the future, as long as TSMC can develop strongly to the 90s, and with its own support, it can wrestle with Samsung in the chip market, it is enough for himself, at least in this way, he has a backup supplier, and with the role of balance, the global electronics industry does not have to look at Samsung alone to a certain extent.

"An electronics assembly plant? Isn't this kind of thing you've always wanted to get rid of? Are you optimistic about this too? Chen Tianfu asked a little puzzled, although he didn't know much about the electronics industry, but sometimes he would talk to his son on weekdays, and in this process, he also knew that his son intended to gradually transfer the manufacturing industry in the future, not only from Hong Kong, but also not to participate.

"This industry, I don't look down on it, but a company has limited energy, especially the electronics industry, from top to bottom, if you do it yourself, then the production side will consume at least 8 percent of the energy, but the profit generated may only be 20%, so it is better to outsource." Chen Zhiwen explained: "It's just that there is no such professional company at present, so now it can only come step by step, but now several companies in Wanwan are developing towards this trend, and the profits of the electronic assembly industry are only relatively low in the electronics industry, and overall it is still good, especially after becoming a scale, you can take a lot of brand orders at one time, and then form a scale advantage, and that is, in the future, they will definitely take advantage of the demographic dividend of the mainland to reduce the cost to the extreme. The profit side will also be stronger. ”

"That's right, so which companies should I choose? Or will Midea cultivate such a company with its own orders? Chen Tianfu asked. With the scale of Midea, it is possible to deliberately cultivate such a company, and this is the strength of a large company.

"Yes, yes, but we can't do what we have cultivated, it must be very powerful." Chen Zhiwen paused and said: "There is a person in Wanwan, called Guo Taiming, he is good at this, Dad, you can have a chance to check it out." (End of chapter)