Since the middle of the Ming Dynasty, merchants from Shanxi began to rise. The banks, bank accounts, and businesses of the Ming Dynasty also became more and more prosperous, and the prototype of later banks gradually emerged!
The bank's profit model is actually very simple. Just like the loans of later generations, it absorbs depositors' banknotes at low interest rates and then lends them out at high interest rates, thereby earning huge profits!
This is actually a ‘loan loan shark’ with strong capital, recognized by the court, and protected by the government. It can be said to be a huge profit!
As the famous Jewish banker of later generations said, 'Finance is the most profitable industry in the world! Controlling her is equivalent to controlling the world!'
In the current era, Shanxi business bank accounts have not yet unified the whole country. In addition to various factors such as region, war, transportation, culture, etc., there are often certain errors between provinces, prefectures, and counties. Local merchants generally only
The banknote will be deposited into a local bank, both for convenience and for safety!
For example, the Fang family openly wooed the clients of Liu's bank. This was obviously a premeditated and planned move!
"Is the news accurate? Is there any reliable evidence?" Liu Ruyi looked coldly into Lao Gui's eyes and asked sternly.
"Young Master, this, this is absolutely true. I am absolutely not lying! In the past few days, I have been guarding the door of Huaibei Commercial Bank every day. Many of our old customers have handed over their banknotes.
It's stored there!" Lao Gui quickly explained.
"That's right, I also went there to keep an eye on the sentry for a few days! Ruyi, it seems that Mr. Fang and the others are really going to fight with us!" Liu Hanyi also added at the side.
Liu Ruyi nodded, but remained silent in deep thought.
Liu Hanyi was a little anxious, "Ruyi, regarding this matter, we must come up with a charter as soon as possible! If this continues, our customers will probably be wiped out by this nonsense! If this turmoil continues again
If it extends to the common people, then our Liu's Bank will be finished!"
The most important thing for a bank is to rely on the client's principal. If there is a lack of principal, everything will be impossible!
"How much silver is there in the bank now?" Liu Ruyi looked at Liu Hanyi and asked.
Liu Hanyi was startled and quickly calculated, "There are about seven to eight hundred thousand taels left. However, except for the 200,000 taels from Zhang Laocai of Jibei Commercial Bank, the rest are all small households, very trivial!"
"Haha, is this Lao Zhang a sensible person?" Liu Ruyi suddenly smiled.
"Ruyi, don't let this fat man deceive you! This idiot still has 400,000 taels, and they have all been deposited in the Fang family's Huaibei Trading Company!" Liu Hanyi really got angry and was furious!
Liu Ruyi nodded and put the eggs on two plates. No one would be offended. This is the normal behavior of people who buy and sell people. At this time, it is not easy for Zhang Laocai to give himself such face!
"Uncle Fu, how much cash do we still have in our house?" Liu Ruyi turned to Uncle Fu and asked.
"Young Master, in addition to the food used to purchase and store grain, and the food you just brought that have not been put into storage, there are almost more than 300,000 taels! However, after excluding the compensation for the fallen soldiers and the rewards for the meritorious soldiers, this will
Including daily expenses, the house can only afford a maximum of 150,000 taels now!" Uncle Fu hurriedly explained to Liu Ruyi.
"Only 150,000 taels?" Liu Ruyi frowned slightly. He didn't expect that his net worth of more than one million taels was burned down in one battle in Jinan City. War is really not that simple!
"Brother, how many more do you have in your hand?" Liu Ruyi asked Liu Hanyi on the side again.
"Hey! Ruyi, after the old man left, my place has not improved much at all. If I bite the bullet, I can still make up more than 100,000 taels. However, the Liu family has a big business, and the big family members have to eat, drink and have sex.
Even if I come here, I don’t dare to take out all the money!” Liu Hanyi said bitterly. He is not a businessman, so supporting the Liu family’s business is really embarrassing for him!
"That's okay!"
Liu Ruyi thought for a moment and then said: "Brother, do you think this is the case? At first, the old man left me 30% of the shares in the bank. Now, I don't get a penny from the dividends of the 30%. I will pay another 1.5 million taels to buy
I won’t take any of the remaining 70% from the bank, and I’ll give you another 30%, okay?”
Liu Hanyi was stunned, "Ruyi, you mean, you want to buy the entire bank? This money is fair, but, can you afford it now?"
"Haha, brother, don't worry, I will have a solution for the money matter! But, I hope to get the ownership and management rights of the bank!" Liu Ruyi said with a smile.
"Ruyi, are you not confused? I have long since stopped doing this big mess. Why are you still jumping into this pit of fire?" Liu Hanyi asked in confusion.
Since the rise of Shanxi merchants, Shanxi bank accounts have gradually become stronger and gradually began to devour the originally balanced bank business of the Ming Dynasty. They have high interest rates and good reputations, and they can support other banks. The bank bank business has become increasingly difficult to do. Even without the Fang family, the Liu family
The bank has also been declining year by year and is gradually becoming unsustainable!
"Haha, it doesn't matter! I just suddenly thought of an idea! Brother, I also think that your temperament is not suitable for business, come and help me! We brothers work together, let alone Mr. Fang, even the Manchu slave chief
Tai Chi, what's there to be afraid of?" Liu Ruyi said loudly.
"Ruyi, are you serious?" Liu Hanyi's eyes lit up. He was originally a martial artist. Due to the old man's last wish, he desperately looked after the Liu family's family property. As soon as Liu Ruyi said these words, he really
A little tempted!
"Brother, you and my brother, can I still lie to you? However, even if you are the eldest brother, you have to start over from the most basic training step by step!" Liu Ruyi said.
"It's natural! Ruyi, my brother is well aware of your difficulties! Just as you said back then, you would rather be a centurion than a scholar! You are my brother. If my brother doesn't support you, who will support you?
Liu Hanyi said, patting his chest.
"Haha, okay! With the help of big brother, Ruyi will be even more powerful!" Liu Ruyi held Liu Hanyi's hand hard and laughed!
Liu Hanyi was also very happy. After so many years, he could finally live for himself!
The two celebrated, and then Liu Hanyi remembered the business, "Ruyi, you spent so much money to take over this mess, what should you do from now on? Brother, I can't cheat you!"
"I have already considered this matter in my mind! Brother, don't worry! It's just that for the details, I still need to ask my brother to help me put on a show!"
……………………
Jinan Chen's Trading Company is located on the busiest Minghu Road on the bank of Daming Lake. Chen's Trading Company mainly operates restaurants. The owner, Chen Xilian, is a native of Fan Town, east of Tai'an Prefecture. He started his business by making meat and sesame cakes.
Starting from a small apprenticeship, with a small shop as big as a palm, he gradually became a big boss in Jinan's restaurant industry in thirty years. The most famous Minghu Restaurant in Jinan City is his property, which can be regarded as
A legendary figure in Jinan City!
Since the early years of Chongzhen, Chen Xilian has invested heavily in real estate and bought many houses in Jinan City. After more than ten years of turnover, he has gradually become a wealthy gentleman!
Chen Xilian's mansion is located on the east side of Daming Lake, adjacent to Minghu Restaurant. It occupies a small area of less than two acres, but it is very exquisitely decorated with pavilions, gardens and rockeries. The scenery is very beautiful. It can be seen that he is a very good man.
People who know how to enjoy life!
At noon, a team of more than a hundred elite officers and soldiers broke through the bustling Minghu Road and went straight to the gate of Chen Xilian Mansion. The two leaders were Liu Ruyi and Liu Hanyi!
"Master Jun, I wonder what you are doing here? My master caught a cold occasionally and is recovering at home. If anything happens, why don't you come back in a few days!" The chief steward of the Chen Mansion hurriedly greeted him with a smile on his face.
explained.
"Haha! Are you fucking fooling your uncle Liu? You just took away my money a few days ago and you fell ill today? Do you fucking think this is a monkey trick? Hurry up and go in and inform your master.
He said that Jinan Nancheng guerrilla Liu Ruyi, General Liu, is here to visit in person, so let that bitch come out to greet you!" Liu Hanyi said in a domineering manner.
"What? Liu, Liu Ruyi kisses, personally..." The housekeeper was shocked and did not dare to neglect anymore, and hurried to the house!
"Ruyi, you must not be polite to these old immortals. If you are polite, they will fucking stop treating you as a human being!" Liu Hanyi explained.
Liu Ruyi smiled slightly. He had been living in the Magic City for many years and he knew these things thoroughly. "Brother, it's okay, just do what you want! Are we just here to pay a visit to Mr. Chen? Haha!"
Only then did Liu Hanyi feel relieved, and forcefully tore open the placket on his chest, revealing a piece of dark chest~~ hair!
Not long after, the head of the Chen family, Chen Xilian, hurried out and greeted Liu Ruyi and Liu Hanyi respectfully into the main hall.
The maid served tea, and Chen Xilian said: "I have heard General Liu's name for a long time, and now that I can meet him today, I am really lucky. I am so lucky! But I don't know what the purpose of General Liu is when he comes to this humble residence today."
"I said, Mr. Chen, you know very well why our brothers are here! We plain people don't speak secretly! Mr. Chen, you are also a well-known figure in Jinan City, and our brothers also receive more care from you on weekdays! I
I don’t want to embarrass you. Just one sentence today and ask the old man to deposit your banknotes in our Great China Development Bank. The interest will not be missing from the old man!” Liu Hanyi pointed out the key point straightforwardly!
"What? Great China Development Bank?" Mr. Chen was startled, "What, what is this?"
"Haha! Don't you understand this? This is the official upgraded version of our Liu's Bank!"
Liu Hanyi glanced at Mr. Chen proudly, and then explained: "The main customers of our Great China Development Bank are capable and wealthy businessmen like you, Mr. Chen. As long as you deposit your money to
Our Great China Development Bank can not only get the protection of our General Liu, but also have better business opportunities, and you can even directly cooperate with General Liu..."
Liu Hanyi was spitting, talking and gesticulating, and explained for a long time before Mr. Chen understood what he meant!
However, a veteran like him cannot win with just a few words. Finally, after Liu Hanyi said he was tired, Mr. Chen asked weakly: "I dare to ask Uncle Liu, what about this interest?"