Chapter 17 of the Five-character Volume: Tongue, Sword, Lip and Spear, Tear
Tanchun showed a completely different radicalness from Baochai. Of course, hidden behind this radicalism was his keen insight and precise judgment.
"Third sister is very optimistic about Haitong Bank?" Feng Ziying's eyes were a little more probing. He wanted to know whether this girl was taking a risky bet, or whether she could really see the future potential of Haitong Bank.
"Well, my little sister is very optimistic about it." Tan Chun said firmly: "The reason is also very simple. First, it is the first bank in Zhou Dynasty that has the ability to collect deposits and lend money to make profits through this kind of interest rate difference. It is groundbreaking.
The little girl has carefully calculated that this kind of interest rate difference is very large, which can be said to be unimaginable by outsiders, but it is much smaller compared with private loans like this among the people. The key lies in the creditworthiness and the review and understanding of the borrower, which can avoid
risks of,……"
"Secondly, through the efforts of Brother Feng, even the bonds and royalties for Kaihai, as well as the Dongfan salt work and reclamation, must be handled through Haitong Bank. These are major events that shocked the world, but they are all concentrated
Being in Haitong Bank, the money it brings is stored in the bank, but its impact is self-evident. Comparing it to myself, if I were an ordinary businessman, I would definitely feel that this company
The bank basically represents the imperial court and nothing will happen..."
"Thirdly, I have also heard from Brother Feng that with the opening of the sea, the demand for various goods from Western Europe, Southeast Asia and Korea and Japan will also increase sharply, such as tea, silk, porcelain, etc.
The prices of medicinal materials and ironware will skyrocket, and at the same time, shipping and shipbuilding brought about by maritime trade will also be driven. Under profitable circumstances, merchants are bound to build more workshops in these industries, so they will definitely want to
Haitong Bank Lending, these are very promising businesses in the future, so the risk of loss is relatively small..."
"In addition, I also asked Brother Duan. Brother Duan has brought a group of apprentices who are all good at arithmetic and accounting. Brother Duan also mentioned that in addition to collecting savings and lending, the key to the bank lies in its treatment of borrowers.
Investigation and credibility review,…”
Hearing that Tan Chun actually went to Duan Xigui to understand the situation, Feng Ziying found that she had really underestimated the excitement of such an "assessment competition" for the two of them. Baochai was so cautious and thoughtful that
He was amazed, and Tanchun's persistence and meticulousness made him even more touched.
Once girls get serious, their charm is even more touching.
"Well, for these reasons, Third Sister is so optimistic about the future of Haitong Bank, which makes Brother Yu feel both gratified and a little scared. If Haitong Bank does not do well in the future, Brother Yu will really feel ashamed of Third Sister.
Looking forward to it." Feng Ziying joked with a smile, which made Tanchun blush.
"However, Haitong Bank is not without risks. Sister Bao did not choose Haitong Bank but chose Haihai Bonds. Is there a reason?" Feng Ziying turned the topic to Baochai, and Tanchun also looked at Baochai.
"Well, I actually considered Haitong Bank, but I didn't choose the bank in the end, mainly because I felt that the First Imperial Court did not invest in it. Well, this is what you said, Brother Feng. Since it is such a good business, why did the imperial court
Not investing in shares? This doesn’t make sense. Secondly, I heard Brother Feng also say that businesses such as shipbuilding, land reclamation, and sea trade routes will definitely not make money in the short term, and the risks are very high, but the imperial court provides these supports to the bank.
It requires the bank to support these aspects, which makes the younger sister a little worried. In addition, the younger sister is also thinking that if Haitong Bank is the first bank, the second and third bank will definitely appear in the future.
They may not even undertake this kind of court arrangement, and they will compete with Haitong Yinzhuang..."
This girl remembers these things very well. She said it casually, but she remembered it in her heart. However, this is indeed an uncertain factor for Yinzhuang. It’s just that Tan Yatou pays more attention to huge profits, while Baochai pays attention to risks and unpredictability.
Certainty.
Before Feng Ziying could speak, Tanchun, who was disapproving, had already taken up the conversation: "Although what Sister Bao said has some truth, is there any risk in doing this kind of business? Even if you buy a field, if you encounter floods, droughts or civil riots,
, it is also possible that there will be no harvest, and if there is water leakage in the shop selling it, it is also possible that it will be burned to the ground. According to what Brother Feng said, the scale of Haitong Yinzhuang must be huge, and it is in the capital, Yangzhou, Datong, Suzhou, and Guangzhou.
How can ordinary people imitate the establishment of accounts in all cities and towns? Moreover, such arithmetic and accounting methods are not something that ordinary merchants can quickly learn..."
Baochai also had a smile on her face, but she did not argue. Feng Ziying knew that this would lead to a situation where the public is right and the mother-in-law is right. After all, everyone has different perspectives and the degree of recognition of benefits and risks is also different, so
This cannot determine the winner or loser.
"Well, let's let this one go. The third sister also has many of the same plans as Sister Bao, such as purchasing shops, fields and even making a living with bricks. I'm afraid the reasons are similar to Sister Bao, right?" Feng Ziying also saw Tan Chun's actions in these areas.
However, the scale is much smaller, less than 80,000 taels.
"These are the same ideas as Sister Bao, but..." Tan Chun gritted his teeth, "Little sister is very optimistic about the various business developments that may be brought about after the opening of the sea..."
"So you chose to invest in shipbuilding, silk, tea making, and medicinal materials?" This is what Feng Ziying lamented the most.
He didn't expect that this girl actually suggested choosing suitable partners to invest in Nanzhi and Zhejiang to participate in these industries.
"Yes, I feel that if Sister Lin marries Brother Feng, and Brother Feng is responsible for the affairs of opening up the sea, he will naturally know a lot about the matters involved in these aspects, far better than others, and he will also have access to many things.
Businessmen related to these businesses can naturally choose partners with ease. These advantages can of course be used. There are naturally people who specialize in this business to take charge of business matters. Brother Feng only needs to pay attention occasionally. This can be said to complement each other.
This kind of income is far better than buying land and shops. My sister has checked the conditions of several tea mountains and silk workshops in Zhejiang and Fujian in the past three years..."
Tanchun's aggressive momentum made Baochai unable to sit still. Of course she knew that if the benefits of tea, silk and paddy fields were completely compared, the paddy fields would definitely be incomparable, but the stability and risks of this kind of business are not the same.
Comparable.
"Brother Feng, I think what the third sister said is correct, but this kind of business requires specialized management. If you just invest in shares, with a little manipulation, even if you make a profit, you can also make a loss.
The profit will give you a slight surplus,..."
"Sister Bao's words are wrong. My younger sister has said it before, so we must carefully select the party to invest in. And with Brother Feng's identity, how dare these businessmen dare to fool and deceive at will?" Tan Chun showed no weakness and looked at him with stern eyes.
Wearing a treasure hairpin.
"Although Brother Feng is now responsible for opening up the sea, how can he do it for the rest of his life? Maybe Brother Feng will transfer to another job in two or three years, and then I'm afraid the investment will not even see the benefits, right?" Baochai chuckled at the corner of his mouth.
, cope with it easily.
"Even if Brother Feng is transferred to someone else, he is also a court official. How dare these merchants do what Sister Bao said? Does Sister Bao think that Brother Feng was the first to start the sea business and was responsible for two or three years? Even with this little personal connection and
Can't you even establish influence? My little sister doesn't believe it." Tan Chun also raised his eyebrows slightly.
Baochai's face froze, this detective girl actually turned the fire on Brother Feng, why did she have such intention?
"Third sister, do you think that Brother Feng's future future will have to be entangled in such a businessman's business? Are you going to check in a simple way how much profit a certain teahouse will make this year or how much the shipyard will lose? Do you really think that you are a member of the Metropolitan Procuratorate?
The censor doesn't exist?" Baochai's face also turned cold.
"Sister Bao's words are biased. I just think that those businessmen are sensible people. How can they offend Brother Feng for such things? Besides, this business is a legitimate business, and Brother Feng has not used his power to seek personal gain.
How can we get involved with the censor of the Metropolitan Procuratorate?"
Tanchun was also a little annoyed. This sister Bao was beaten indiscriminately. How could she have ever meant that? She actually connected such things with Brother Feng's future. Isn't this a slander of innocence?
"Third sister, the official career is difficult and dangerous. Is it as simple as you think, black and white?" Baochai's eyes were clear, "Maybe someone will take advantage of a trivial matter to cause trouble. This is not unprecedented. Brother Feng is like this.
Age itself requires caution, how can you get involved in such things?"
Tanchun was really angry. How could Sister Bao be so able to throw dirty water? What could she have said to get Brother Feng involved in something? This was simply inexplicable!
Feng Ziying didn't expect that these two or three sentences would suddenly intensify the atmosphere between the two, which was completely contrary to his original intention.
"Sisters, stop it, uh, this kind of thing is just a matter of opinion. Brother Yu just wants to take this opportunity to understand the views of the two sisters on this kind of business..." Feng Ziying quickly interrupted, "Brother Yu personally feels that, in fact,
Both Sister Bao and Third Sister are talented in this area, but they are slightly different in style. Well, Brother Yu thinks both sisters have already felt it. How about this, the two sisters each exchange your planning strategies, and then target the other's.
Conduct an analysis and evaluation of the plan, and of course focus on writing different viewpoints and reasons..."
"Besides, Sister Bao and Third Sister, you two won't really be resentful because of this, right?" Feng Ziying pretended to blink, and asked pretending to be curious: "If it is true, Brother Yu estimates that the Second Sister and Yun Yatou and
Fourth sister and the others will laugh their heads off, especially Yun Yatou, well, do you need Brother Yu to tell Yun Yatou?"