Chapter 351 National revitalization is full of hardships
During the chat, Huang Yousheng talked about the rules of ticket numbers, which also gave the newly joined Li Jingyi and Zaiying a preliminary concept of the banking industry.
For the banking industry, the first thing is to select people, that is, recruit apprentices. Generally, fellow villagers are the best. Invite banks to recruit people from Hefei, Anhui, and important positions are all from Hefei. Some Huang Yousheng poached them from his hometown Hangzhou. Needless to say, Li Guolou was born in a constable, and the decoration and layout of the bank were all drawn from the characteristics of foreign banks, which was more humane than the money shops in the past. For example, between customers and cashiers The height is no longer one head higher than the customer's floor, which makes it feel high and above, but talks to the customer from an equal perspective and does silver transactions. The hall transactions are also mainly bright and spacious, and it feels like it is doing openness and upright business.
At this time, the big businessmen paid attention to ** and liked to do transactions privately. When they invited them to the bank, they also set up several reception rooms of different sizes to protect the merchants' legitimate needs.
Bank apprentices must first practice "sitting skills". The rules passed down from the ticket number are strictly required for every apprentice, including the manager, and are almost harsh. For example, you are not allowed to leave for three months and invite you to your bank residence and drink. No money allowed, no loans or loans are allowed in the bank all day long to practice counting silver notes, silver ingots, and copper coins. Only those who can withstand boring apprentices can be formally hired.
Because of industry relations, the billing industry is full of mysterious colors. Outsiders don’t know how to operate it. The production of silver bill paper and secret notes are all secret. Therefore, from the Ming Dynasty to the Qing Dynasty, all the big businessmen entered this. Industry, the country has not yet made a unified plan for this industry. Officials and businessmen colluded with each other in the "bill industry" to rely on each other and get rich together. The bill numbers in various places are of this characteristic. However, due to the limitations of power, the bill numbers in various places And money houses can only be settled in one corner, and no one can open all parts of the Qing Dynasty. The bill number and foreign banks stipulate that the interest on loans shall not exceed three cents per month, and the interest must be calculated monthly. One cent will be added in a few days after the month. .
From Huang Yousheng, he learned that the main risk of all the processes of the bill number is the occurrence of bad debts, also known as dead debts. If the dead debts are too high and the capital turnover is not effective, there is a risk of bankruptcy.
Because princes, ministers and local officials became rich by doing business in black, they just paid donations and sold official hats, but many of them bought them by borrowing debts. There are many ways to borrow money, some borrowed from private individuals, and some borrowed from tickets. , Money Bank borrows loans, and they will recover the costs and interest. The interest rate of the loan is very high, and often requires double repayment. There are also great risks. In many cases, the bill number and money bank borrow according to the size of the official cap, or even overspending loans, and cannot be collected. Cost. Also, insolvency, money borrowed, merchant bankruptcy, and property disputes caused by sudden death or abscond, will also affect bills and bank loan business.
At this time, a kind of "bank ticket" was circulated in the Daqing Dynasty. It was outstanding in credit and circulated in the market. It was recognized by both sides of China and foreign trade. It was called "a very valuable Chinese financial document in trade" by foreign investors. The depositor deposits money (silver) and fills out deposit receipts, which are not registered and do not recognize the person, and can be circulated on the market. Later, it evolves into issuing fixed-form notes, and fills in the amount and stamps at any time. Finally, the money bank seals a certain amount and has various verifications. Conditional money bills or silver bills, collectively known as "bank bills", can be used in various places. These are the bill numbers, two unique business methods of money shops. As a means of manipulating financial markets, they play an important role in the development of money shops. , "foreign twelve market", that is, the market price of silver dollars represented by silver (based on Mexican eagle Yangyuan). Commonly known as silver dollars is foreign currency or foreign currency. One silver dollar is combined with a warehouse of seven cents and two cents or seven cents and three cents of sugar silver The interest rate used by silver as the basis of market price, and the market fluctuates to the end of the new market, so it is called the foreign exchange rate or the new stock price. The interest rate used by silver as the calculation standard is called the silver exchange rate, and the foreign exchange rate calculated in silver dollars is called the foreign exchange rate. In the money industry, it is sometimes collectively called it Silver dismantling or interest. This is the interest rate for mutual lending between money and merchants, which is manipulated by the "Money and Merchant Association". The bill number, money stores mostly absorb merchant deposits and collect notes on their behalf. Some of the government public funds are also deposited into foreign banks, all of which are transactional deposits. The loans operated are credit loans, mortgage loans, short-term interest payments, etc. The loan objects are mainly merchants, which give a large amount of payments to various export industries every year, which played a positive role in promoting the development of national industry and commerce that had just emerged at that time.
The bank also operates the transaction of gold and silver, identify the quality, weight and authenticity of gold and silver dollars and various metal currencies, and determines the price. Some bankers with strong capital (such as Wanjia banknotes) also have or controls. Silver furnaces, silver buildings, gold shops, casting and buying and selling gold and silver jewelry. The bill number and money shop not only use their special status of exchange, but also manipulate the market price of silver and silver dollars by the "Money House Association" for a long time to control the silver and money transactions in the circulation field.
Huang Yousheng talked about a lot of matters about the "Money House Association" and explained the general banking rules on the market. Sometimes others interrupted and asked. The shareholders' meeting continued to hold meetings while having a working lunch. Everyone seized the time to discuss the banking industry. the "gains and losses" of the rules.
Li Guolou ate very quickly. He was the first to finish eating. He took out a wet towel, wiped his lips, and said, "We invite him in to the bank, which can be said to be the first to eat the last bite of fat. We will invite him. When the bank is founded, it becomes a huge monster. Those top scholars and second-tier shows in the court will understand that state-owned banks will also be put on the agenda. Of course, before we succeed and make achievements, those scholars in the court dare not take this business. As the saying goes, the rules of the ancestors cannot be broken, so we invited the bank to quickly occupy market share. The goal of the first year was originally set for 6 companies, but now 30 companies are initially set. The most important thing is to coordinate. If the arrangement is done, it can be expanded. Not good, with scale, it is useless to have no one to operate. Talents are discovered and cultivated. We invite the bank to hire people, not to look at the qualifications, but to look at the ability of people. Huang Yousheng and General Manager Huang have this ability. To General Manager Huang, he trusted him 100% of his trust and believed that General Manager Huang could bring the incoming bank on track and develop into the largest private bank in the Qing Dynasty."
The people here nodded to Huang Yousheng with approval, believing that he could make a lot of money by inviting him into the bank. Huang Yousheng was also very proud of his graceful gentlemanly demeanor and agreed with Li Guolou's statement. What should he worry about? The principal is someone who has a capital. Provided, the business is planned and planned by Li Guolou. There are also Prince Gong and Li Zhongtang’s two golden signs. Who dares not give him face? Making money is inevitable. The only thing to worry about is when the imperial court founded the state-owned bank itself. ?I hope that day is still far away. If the initial goal can be achieved next year, a British Concession Garden Villa would be like taking pictures and picking up it at will.
What Huang Yousheng wants to do most is to squeeze out Hu Xueyan's "Fukang Money House". This is also the reason why he left his senior brother Hu Xueyan without hesitation and invited him to be the general manager of the bank. How could he remember that Hu Xueyan spared him once? It was buried in his heart. Hatred is the deep hatred that Hu Xueyan took away his concubine "Yuwa".
At this time, the social atmosphere ended from one end, and there were very few people who jumped out of the nest. It was very rare to find other business competitors to work in the same industry. Huang Yousheng's reputation in the piaohao and money shop has been widely spread and has become famous far and wide. . Between Jelia and Jeriya, the chairman of the bank has caused an uproar in the same industry. Many people in the same industry are waiting to see the day when the bank collapses. It is said that it is easy to enter, but difficult to go out, and step on foot When the banking industry invites the bank to open, the colleagues will start sending flower baskets, congratulating them, and express their feelings. Secretly, the colleagues will cause trouble and slander the reputation of the bank to be invited.
Li Guolou continued to talk, and finally talked about the post office with Sheng Huaixuan. He nodded to his uncle Li Jingyi and said, "San uncle, I respect us brothers, so I asked us to start the bank, and let Sheng Huaixuan start the Qing Dynasty in Shanghai. The State Administration of Posts and Telecommunications, in the future, our banking industry and the Posts and Telecommunications Bureau will work together. The business of telecommunications registration will be launched quickly and will go deep into the mainland. For example, Shanghai Bank will establish a business connection network with banks in Wuhan, Zhenyang, Ningshao and other places, and have a connection number. Agent relations, etc., penetrate into the mainland through these regions. The concession ports use funds to support mainland banks under the manipulation of inviting banks to enter. According to the contract, the annual inflow and outflow will reach tens of millions of taels of silver, effectively controlling the mainland finance, and It is a comprador for foreign investors to acquire dumped raw materials from China. This money-making path will open another window for our foreign trade. The domestic economy is also controlled by us by us, and foreign trade is also firmly controlled. Yi, (because they are all called by names, they also have to be controlled by the Shanghai General Administration of Customs. I think my brother-in-law is competent."
Li Jingyi nodded and said, "Well, I understand, but this matter cannot be irrelevant. It will take roughly two or three years to be taken back to the state. Guoxi, you can go to the Chief License Office first and train relevant personnel from the General Administration of Customs. My younger brother will also have a name in the General Administration of Customs, but he will still go to Guangdong to be a local official in the future. Brother Tan, you will still be the one who decides the affairs of the General Administration of Customs."
"Then I would like to thank Jingyi for his suggestions first. I will do my best to do my job in the future." Tan Guoxi was ecstatic. He was about to become an official. Although he was not the turn of the Director of Customs, he had someone in his post after he became the Librarian. He has power in his hand and can at least get the title of a seventh-rank official. He also wants to become a red-topped businessman like Sheng Huaixuan. He can't help but look at Li Guoyun, who is disabled. He only has this brother-in-law in his family and has no official title. He has different fates from his wife. Li Guoyun I can only stay in the business world and have no great future.
Li Guoyun was also a little disappointed, but he quickly adjusted his mentality. The thing he mentioned about "Yadong Textile Factory" was just an illusion. The textile industry seemed to be full of flowers, and it seemed that the national rejuvenation of the Qing Dynasty began with the textile industry, but this The industry is large-scale and large-scale output, and only then can it have the ability to compete and make money. The preliminary investment scale of the textile industry will continue to increase the scale of funds. If Yadong Textile Factory wants to develop healthily, it will take at least five or six years of large-scale. Investment requires huge amounts of money from banks to maintain the normal operation of Yadong Textile Factory. The so-called national industrial revitalization is still a path full of hardships and thorns. Li Guoyun and Li Guolou founded the banking industry so quickly, and it was also because of Asia. The business of Dong Textile Factory is in desperate situation. If the capital chain is broken, the consequences will be serious. They both know clearly. This time they will be the first to have a good time or have nothing. How can outsiders know that the two brothers have ulterior motives? There is another conspiracy behind a business that is sure to make money.
Li Guoyun smiled slightly and said, "You are all officials, I am an authentic businessman. On the tenth day of next month, we will hold another meeting in Tianjin. I will be the host and hold a wedding banquet. Please enjoy the holidays at that time."
On May 10, Tianjin invited the bank to officially open for business. People with great prominence will go there. People here, who will not go there on such a big day, are excited to look forward to that day.
During the conversation, we began to discuss the details of the banking industry. There was no bottom line when talking about these red tape. Huang Yousheng wrote the records himself, and his secretary's records were next to him. A shareholders' meeting was held until six o'clock in the evening before he reported it. After that, finally had a formal dinner.
The landlords were all in the same place, and the dishes were placed on two tables of banquets. Yesenia was like a French lady, entertaining guests with a decent manner. From beginning to end, he had never seen his son Baoquan in the figure.
Li Guolou couldn't help but sigh in his heart. Bao Yitong had a new love Yesenya, and even wanted his son. He invited him into the bank and Bao Yitong concealed his son Bao Quanzhong until now.
Li Guolou couldn't help but look at Jeriya's slightly raised belly, and then looked at Zhen Yuhuan, who was hooking Jeriya's arm and talking. The two grandmothers were so good. They were all Jeriya and Zhen Yuhuan at the banquet. Yesenia, the voice of the three women. What changes will his family take in the future? So many women are selfish. Now they are sleeping by their side, treating him as their backbone, and willing to pay money to support him What about his career? When he is willing but unable to do so, the nine grandmothers will despise him and only think about their own children.
Li Guolou was thinking to himself: Why marry so many women? The bone spirit that knocks on the bones and sucks the marrow. Teach them to be self-reliant, get out of the wall as soon as possible, and give them gifts to go out.
"Mike, what are you thinking?" Zhen Yuhuan glanced at Li Guolou, who was distracted, and was a little dissatisfied. On a happy day, there was no reason to drink alone.
"Oh... I'm thinking about meeting the emperor. I wonder if I, Tanhualang, may not be a scholar in the Hanlin Academy and teach those Jinshi to study. I'm a little embarrassed." Li Guolou Lingji The lying, and the people in the scene didn't see 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 tricks he came up with were not difficult to implement and the operation was extremely easy. Xiao Jiujiu thought about it and knew that he had made money. .Li Guolou was so happy that he was a little overwhelmed by everyone's praise. He was persuaded to drink one after another, and left Bao Yitong's mansion with dizziness.
Before leaving, Li Guolou pointed at everyone and shouted: "I tell you, don't be greedy, you're just going to suffer this. Don't want to abandon other people's shares. If you die in vain, you will be happiest to have friends. Are you happy with me? ”
"Happy! Tanhualang's best friend." "Let's go, you!" "Xiaolou, let's go out for fun together next time. I'll take your whole family to Taiyechi to row."
Everyone was holding Li Guolou. At this time, they had not seen the white money. They were content with the status quo and obeyed Li Guolou's command. By June next year, when dividends were distributed, they would all plot against others. When can the shares in your hands become something in your own pocket? People will never be satisfied.