Chapter 351 National revitalization is full of hardships
During the chat, Huang Yousheng talked about the rules of the bank account, which also gave the newly joined Li Jingyi and Zaiying a preliminary understanding of the banking industry.
For the banking industry, the first thing is to select people, that is, to recruit apprentices. Generally, people from the same hometown are the best. When the bank comes to the bank, it mainly recruits people from Hefei, Anhui. All important positions are from Hefei, and some Huang Yousheng was poached from his hometown of Hangzhou.
Not to mention the anti-theft facilities, Li Guolou was a policeman, so the decoration and layout of the bank were borrowed from it.
The characteristics of foreign banks are more humane than those of banks in the past. For example, the height between the customer and the cashier is no longer one head higher than the customer's floor, giving a sense of superiority, but from an equal perspective and
Customers talk and do silver transactions. The transactions in the hall are mainly bright and spacious, and it feels like doing honest business.
At this time, big businessmen valued privacy and liked to do transactions in private. The bank also set up several reception rooms of different sizes to protect the legitimate needs of businessmen.
Apprentices in the bank must first practice "sitting skills". The rules passed down from the bank account are strict and almost harsh to every apprentice, including the manager. For example, they are not allowed to leave for three months and are not allowed to come into the bank's residence. They are not allowed to drink.
Flowers and wine, no prostitution, no loan sharking. You stay in the bank all day long to practice counting banknotes, wrapping silver ingots, and stringing copper coins. Only apprentices who can endure the boring and boring work can be officially hired.
Because of the industry relationship, the banknote industry is full of mystery. Outsiders do not know how to operate it. The production of banknote paper and the secret code are kept secret. Therefore, from the Ming Dynasty to the Qing Dynasty for hundreds of years in Chinese history, it was all big businessmen who entered this industry.
Industry, the country has not yet made unified planning for this industry, officials and businessmen are in the "ticket industry"
Collaborating with each other, relying on each other, and getting rich together, this is the characteristic of bank accounts in various places. However, due to limited power, bank accounts and banks in various places can only settle in one corner, and no one can open all over the Qing Dynasty. Bank banks and foreign banks
Bank regulations stipulate that the loan interest shall not exceed three cents per month, and the interest must be calculated on a monthly basis. One cent will be added for each day of the month.
I learned from Huang Yousheng that the main risk in all processes of the bank account is the occurrence of bad debts, also known as dead debts. If there are too many dead debts and the capital turnover is not efficient, there is a risk of bankruptcy.
Since princes, ministers and local officials have become rich through the business of selling official hats, many of them have borrowed money to buy it. There are many ways to borrow money, some from private individuals, and some from bank accounts.
, banks borrow money, and they recover the cost and interest. The interest on borrowing is very high, and they often have to double the repayment. Among them,
There are great risks. Many times, bank accounts and banks borrow according to the official size, or even overspending, and cannot recover the cost. There are also insolvencies, and the money borrowed will cause the merchant to go bankrupt, resulting in dead debts. In addition, there are also
Property disputes caused by the sudden death or absconding of a creditor will also affect the bank's lending business.
At this time, a kind of "bank note" was circulating in the Qing Dynasty. It had outstanding credit and circulated in the market, just like cash. It was recognized by both Chinese and foreign trade parties and was called "a very valuable Chinese financial document in trade" by foreign businessmen. The bank note
The depositor deposits the money (silver) and issues a deposit receipt, which is anonymous and does not identify the person, and can be circulated in the market. Later show
It becomes a fixed form of bill printing and issuance, and the amount is filled in and stamped at any time. Finally, the bank prints a certain amount of money or banknotes with various verification conditions, collectively called "bank bills", which can be used everywhere. This is the bill number, banknote
The two unique operating methods, as a means of manipulating the financial market, play an important role in the development of banks.
Foreign money refers to the "money market", that is, the market price of silver dollars (based on Mexican eagle dollars) expressed in silver taels. Commonly known as silver dollars, foreign money or mother-of-pearl, one silver dollar is equal to seven cents and two cents of Kuping silver or Caoping silver.
Seven cents and three cents,
This is the basis of the market price, and it rises and falls with the market until it reaches cents, so it is called foreign cents or cents price. The interest rate calculated based on silver tael is called silver lending, and the interest rate calculated in silver dollars is called foreign lending. In the money industry, it is sometimes collectively referred to as silver lending.
or HIBOR. This is
The interest rates for mutual lending between banks are controlled by the "Banks Association". Banks mostly accept deposits from merchants and collect bills on their behalf. Some of the government's public funds are also deposited in foreign banks, all of which are current deposits. The loans they operate are provided by credit lenders.
, mortgage loans, short-term interest rates, etc. The loan recipients were mainly businesses, and a large number of loans were given to various export industries every year, which played a positive role in promoting the development of national industry and commerce that was just emerging at that time.
Banks also engage in gold and silver trading, identify the quality, weight and authenticity of gold, silver, silver coins and various metal currencies, and determine their prices. Some banks with strong capital (such as Wanjia bank) also have attached or controlled
Silver furnaces, silver buildings, gold shops, casting and buying and selling of gold and silver ornaments and banknotes. Banks not only use their special status to control exchanges, but also have the "Banks Association" to control the market price of silver taels and silver dollars for a long time and control the currency transactions in the circulation field.
Huang Yousheng talked about a lot of "Bank Association" matters and explained the general rules of the banking industry in the market. Sometimes other people also interrupted to ask questions. While the shareholders' meeting continued, they had a working lunch. Everyone took the time to discuss the banking industry.
The "gains and losses" of the rules.
Li Guolou ate quickly and was the first to finish. He took a wet towel, wiped his lips, and said: "If we invite you to the bank, it can be said to be a first in history, or it can be said to be the last bite of fat. Wait for us to invite you.
When the bank was founded and became a huge thing, the court said
Some of the top picks, the second pick, will understand that state-owned banks will also be on the agenda. Of course, until we succeed and make achievements, the scholars in the court will not dare to do this business. As the saying goes, ancestral rules cannot be broken.
So the purpose of our bank is to invite you in
Quickly occupy the market share. The first year target was originally 6, but now we have initially set 30. Overall planning is the most important. If you arrange it properly, you can spread it. If the arrangement is not good, it will be useless if there is no one to operate it. Talent is the discovery.
, trained, we invite in the silver
The bank does not hire people based on their qualifications, but on their abilities. Huang Yousheng, General Manager Huang has this ability. We have 100% trust in General Manager Huang, and believe that General Manager Huang can bring people into the bank.
On the right track, it developed into the largest private bank in the Qing Dynasty."
The people present nodded approvingly to Huang Yousheng, believing that he could make a lot of money for people who came to the bank. Huang Yousheng was not shy, he was a gentleman, and he agreed with Li Guolou. What did he have to worry about? He had a lot of capital.
Provided, the business is planned and laid out by Li Guolou. Prince Gong and Li Zhongtang also have two pieces of gold.
Who dares not to give him face? Making money is inevitable. The only thing to worry about is when will the imperial court establish its own state-owned bank? I hope for that day, but it is still far away. If the initial goal can be achieved next year,
A garden house in the British Concession is like picking up something from a bag.
What Huang Yousheng wanted to do most was to squeeze out Hu Xueyan's "Fukang Bank". This was also the reason why he left his senior brother Hu Xueyan without hesitation and came to the bank to be the general manager. How could he remember that Hu Xueyan spared him once? What was buried in his heart
The hatred is Hu Xueyan's deep hatred for taking away his concubine "Jade Baby".
The social atmosphere at this time was to stick to one thing, and it was very rare to jump out of the nest, and it was very rare to find another business competitor in the same industry. Huang Yousheng's reputation in the bank account and bank has been widely spread, and he is notorious.
. and Yelia became the chairman of the invited bank. These two incidents have caused uproar in the same industry.
Then there was a big wave. Many people in the same industry were waiting to see the day when the Bank of Invitation would collapse. It is said that it is easy to get in but difficult to get out. When entering the banking industry, when the Bank of Invitation opened, colleagues began to send flower baskets and come to the door to express their congratulations and express their feelings.
.Secretly working together will cause trouble and slander the reputation of the bank that invites you to work.
Li Guolou continued to ramble, and finally talked about the post and telecommunications office with Sheng Huaixuan. He nodded to his uncle Li Jingyi and said: "Third uncle, he thinks highly of us brothers and asked us to found a bank. He also asked Sheng Huaixuan to found Qing Dynasty in Shanghai.
General Post and Telecommunications Bureau, from now on we
The banking industry and the Post and Telecommunications Bureau will work together. The business of telegraphic transfer will expand rapidly and will go deep into the mainland. For example, the Bank of Shanghai has established a business contact network with banks in Wuhan, Zhenyang, Ningshao and other places, with joint numbers, agency relationships, etc., through
These areas are penetrating into the mainland. The concession ports are now open.
Under the control of foreign banks, it supports mainland banks with funds. According to the contract, it handles transfers and imports and exports of up to tens of millions of taels of silver every year. It effectively controls mainland finance and acts as a comprador for foreign businessmen purchasing and dumping raw materials and commodities in China. This is a way to make money.
With it in hand, it will be for us again
Foreign trade opens another window, the domestic economy is also controlled by our banks, and foreign trade is also firmly controlled. Jingyi, (because they are about the same age, they all call each other by their first names.) The personnel of the Shanghai General Administration of Customs also need to
Control, I think my brother-in-law is capable of it."
Li Jingyi nodded and said: "Well, I understand, but this matter cannot be taken seriously. It will take about two or three years to be nationalized. I am happy for the country. You first become the chief clerk and train the relevant personnel of the General Administration of Customs.
, my brother Jingshu will also have his name in the General Administration of Customs, but he will still go to Guangdong to be a local official in the future. The affairs of the General Administration of Customs, brother Tan, are still up to you."
"Then I'd like to thank Jing Yi for the advice. I will do my best in the future." Tan Guoxi was ecstatic. He was going to be an official. Although the post of director of customs was not his turn, he would have many people under him after becoming a clerk.
If you have the power in your hands, you can at least make a profit of seven
With the title of Pinguan, he also wanted to become a red-top businessman like Sheng Huaixuan. He couldn't help but glance at Li Guoyun, who was disabled. He was the only brother-in-law in the family who had no official title. He had different fates, so Li Guoyun could only hang out in the business world, without much development prospects.
Li Guoyun felt a little disappointed, but he quickly adjusted his mentality. What he said about the "Yadong Textile Factory" just now was just an illusion. The textile industry seemed to be blooming, as if the national revitalization of the Qing Dynasty began with the textile industry, but this
Only when the industry is large-scale and has large output can it be competitive and able to make money. The initial scale of investment in the textile industry will continue to increase the scale of funds. In order for Yadong Textile Factory to develop healthily, it will take at least five or six years of large-scale investment.
Investment, which requires money from the bank
Only by borrowing huge amounts of money can we maintain the normal operation of Yadong Textile Factory. The so-called revitalization of national industry is still a road full of hardships and thorns. Li Guoyun and Li Guolou established the banking industry so quickly because they were forced into a desperate situation by the business of Yadong Textile Factory.
, if the capital chain is broken, they both know how serious the consequences will be. If they gamble again this time, they will either be better than others or lose nothing. How would outsiders know that the two brothers have evil intentions? A business that is sure to make money without losing money.
There is another conspiracy behind it.
Li Guoyun smiled slightly and said: "You are all officials, but I am an authentic businessman. On the tenth day of next month, we will have another meeting in Tianjin. I will be the host and buy wedding wine. Please come and enjoy it."
On May 10th, the Tianjin Invitation Bank was officially opened for business. Everyone with a good reputation would go. Everyone here would not go on such an important day. They were all excitedly looking forward to that day.
During the conversation, we began to discuss the details of the banking industry. There was no end to these red tapes. Huang Yousheng wrote the records himself, along with his secretary's records. A shareholders' meeting lasted until six o'clock in the evening before the announcement was made.
At the end, we finally had a formal dinner.
Bao Yiyi performed the courtesy of a landlord, setting two banquet tables with plates and bowls, and Yesenia was like a French noblewoman, entertaining the guests with proper etiquette. From the beginning to the end, his son Bao Quanzhong was never seen.
Li Guolou couldn't help but sigh in his heart. Bao Yiyi had a new love, Yesenia, and he didn't even want his son. Bao Yiyi had concealed the matter of inviting her to the bank from his son Bao Quanzhong to this day.
Li Guolou couldn't help but look at Yelia's slightly swollen belly, and then glanced at Zhen Yuhuan, who was holding Yelia's arm and talking. The two grandmothers were so good. At the banquet, it was Yelia and Zhen Yuhuan.
Yesenia, the voices of three women. In the future, his family will
What kind of changes will it take? So many women are selfish. Now they are so good that they sleep beside him, regard him as their backbone, and are willing to spend money to support his career. What about the future? When he has more than enough ambition but not enough power,
All nine grandmothers will despise him and only think about their own children.
Li Guolou was thinking: Why are you marrying so many women? It would be great to teach them to be self-reliant and give them gifts as gifts.
"Mike, what are you thinking about?" Zhen Yuhuan looked sideways at the distracted Li Guolou, a little dissatisfied. There is no reason to drink alone on a big day.
"Oh;;;;;;I am thinking about the matter of meeting the emperor. I wonder if it is possible for me, a prostitute, to not be the secretary of the Hanlin Academy and teach those Jinshi to read. I feel a little embarrassed." Li Guolou had an idea.
Li Guolou was lying, and no one at the scene noticed that Li Guolou was lying again.
Everyone present expressed satisfaction with Li Guolou and praised his courage and spirit of "daring to be the first in the world". The clever tricks he came up with were not difficult to implement and the operation was extremely smooth. Xiao Jiujiu calculated in his mind and knew that he had made money.
. Li Guolou couldn't help but feel happy under the adulation of everyone. He was a little forgetful. Everyone took turns to persuade him to drink. He drank so much that he left Bao Yiyi's mansion.
Before leaving, Li Guolou pointed his finger at everyone and shouted: "I tell you, don't be greedy, this is what happened. Don't try to annex other people's shares. If you die in vain, you are happiest when you have friends. Are you happy to have me as a friend?"
"
"Happy! Tanhua Lang is the best friend." "Let's go, you!" "Xiaolou, let's go out together next time. I will take your whole family to go boating in Taiye Pond."
Everyone is holding Li Guolou in their hands. At this time, they have not seen the free money in hand. They are content with the status quo and obey Li Guolou's instructions. When the dividends are distributed in June next year, they will all plot against others.
When will the shares in your hands become your own? People's hearts are never satisfied.