Six hundred and thirty-eight chapters full of confidence
In fact, the matter of Jin Wanwan and Huichang Yinhao's plan to exchange money in different places does not have much impact on ordinary people whose activity range does not exceed 20 miles. It is more of a whimsical conversation piece. It is really shocking.
Those who have personal experience are mainly officials, merchants, and other bank owners.
For officials, first of all, 99% of them are outsiders, and they will return to their roots after becoming official. The capital is just a place of residence, and they are also a group with relatively large exchanges of money, so they have an immediate need for cross-city exchange. Secondly, cross-site exchange
There was some vague politics behind it, and officials couldn't help but pay attention. Don't forget that the amount of silver exchange between the imperial court and local governments was also huge.
For merchants who go to the capital to do business, if they can realize long-distance exchange with their hometown, it is of course a great thing and will definitely be warmly welcomed.
For other bank shop owners, this shock is not due to their own needs, but the shock of being under strong competitive pressure as peers.
Although banks, money shops, account bureaus, banks, etc. have different names, they all rely on money deposits and loans. There are about dozens of them in the capital, and most of them are owned by Western merchants. Although there are slight differences in business directions,
It's all localized.
If one company can stand out and successfully implement off-site operations, it will inevitably become the industry leader and grow stronger, and other companies will be squeezed. Once a company in this industry has a good opportunity, its development will be as rapid as a snowball, so other companies
Anyone in the industry who has some foresight cannot help but be shocked.
In fact, businesses such as silver shops, money shops, banks, and account bureaus have long appeared in the country. The currency note has also been used in the capital for a long time. However, the silver notes in each shop are generally limited to
It can be used in and around the capital, but when you go to other places, you have to rely on white cash. No one uses or trusts the banknotes from the capital's bank shops.
However, in the minds of practitioners, the concept of cash payment in different places and the universal concept of banknotes have not never appeared before, and everyone understands the benefits of this. As the largest market in the world, the capital and other places have an annual turnover of more than 10 million in business alone.
.If cash payment can be realized in other places, the profit will be considerable. Li You, a time traveler, is definitely not the first person to come up with this idea.
But the ideal is beautiful, but it is difficult to realize it, enough to discourage all financial industry operators so far.
First of all, it is necessary to have strong financial strength in both places where exchange is opened. To put it bluntly, there must be sufficient capital to undertake the business at both ends. Both places are indispensable, otherwise the original business scope will be limited.
There is no difference between the old bank and silver shops in the same place.
These days, most people have lived in the same place for generations. Even if many businessmen travel across the country, it is difficult to set down roots and establish influence in two places at the same time, so that they can pay each other.
Secondly, there must be sufficient credit, and credit is the foundation. This credit refers to the mutual trust between the two local banks that carry out cross-regional payment, and the second refers to the customer’s attitude toward the bank that promises cross-regional payment.
If there is trust, nothing can be done without one.
The latter kind of credit is still easy to handle. But it is very difficult to achieve the former kind of trust between two places. Only when you understand each other can you trust, and if you don't understand each other, there is no trust. With the communication conditions of this era, it is difficult for people who are thousands of miles apart to communicate with each other.
It is difficult to understand each other due to distance.
In the time and space of Li You's previous life, about a hundred years later, when the wealthy and powerful Shanxi merchants opened their bank accounts, they adopted the model of a master number and semi-colons. Each semi-colon was owned by the same owner, so there was no problem of trust between them.
.
But Li You didn't want to follow this model. He didn't have such financial resources, nor had he accumulated enough manpower to organize the world. Of course, the Ming Dynasty had the characteristics of the Ming Dynasty, and Li You also had his own methods...,
For three consecutive issues, Mingli Daily hyped up the prospect of cooperation between Jin Wanwan and Huichang Yinhao on its front page, praising it to the fullest and praising its ability. Under the bombardment of this unique media in this time and space, it was a puddle of spring water.
It became an undercurrent.
But he said that Gao Yuanwai had been pestering Jin Wanwan for the past two days, and he must ask Jin Wanwan to introduce him to Li You. As a person who is keen on socializing with powerful officials, Gao Yuanwai found that Mr. Li was worth making friends with, and Jin Wanwan was there.
Of course, this middleman will not miss the opportunity.
However, Jin Wanwan remembered Li You's words and deliberately suppressed them for two days before taking Gao Changjiang to see Li You.
Although Mr. Li's attitude was very cold and distant, as if he only took the time to meet Jin Wanwan. But he has been thinking in his mind that there will be a headline on the front page of tomorrow's Pravda. The Hankou tycoon Gao Changjiang behaves mysteriously, and he is suspected to be related to banknotes.
Related to the exchange layout.
This is a good hype theme. From a national perspective, the canal route from Beijing to Yangzhou and Suzhou-Hangzhou is the main north-south commercial line, and the Yangtze River route from Hankou to Yangzhou is the main east-west commercial line.
If the layout of the exchange business between Beijing and Yangzhou is still relatively monotonous and not shocking enough, adding Hankou can double the coverage depth, extending from the canal to the river and the interior of Huguang, which will definitely attract attention.
As for whether Gao Da Yuanwai really had this intention, Li You said it didn't matter, just do whatever you want.
But it was said that Gao Changjiang exchanged a few words with Mr. Li after meeting him, and when he was about to further warm up, he suddenly heard a servant of the Li family reporting outside the door: "Master! Someone from the eldest princess's residence came over and said they wanted to invite the master and his party to come over.
."
The eldest princess? The eldest princess of Guide? Gao Changjiang had been around the capital for a few days and had heard of this name. He couldn't help but look up at the sky. It was already afternoon, and it was definitely not the time for a formal visit.
That can only mean one thing. Her Royal Highness the Princess and Li You do not need to pay attention to hypocritical politeness and can meet at any time.
This was a coincidence, not a deliberate arrangement. Li You couldn't help but chuckle in his heart. He didn't expect that the first person to be unable to sit still was the eldest princess. He said to Gao Changjiang: "I have heard for a long time that Gao Yuan is a wealthy businessman from Hankou. If this is the case,
If you are interested in the business, I can ask Mr. Jin to explain it to you in detail."
The host was about to see off the guests, so Gao Yuanwai left with Jin Wanwan. He was still full of questions and kept asking Jin Wanwan.
On the Tenth Prince's side, His Highness Guide Chitose really couldn't sit still. Huichang Bank was half as good as hers, and promoting the long-distance exchange plan in the future was what both Li You and she wanted to do. There was no disagreement on this point.
Out of trust and the principle of trusting people without trusting others, she let Li You do the secret operation, and only Li You knew the ropes best. But she couldn't understand the current high-profile and public way.
In her opinion, no matter what she does, she should do it first and then talk about it. Is it advisable to brag about it before starting to do it like this? How many trees have been shown in the past thousands of years?
Lin’s lesson?
Therefore, the major shareholder, Princess Gui De, couldn't sit still and immediately sent someone to call Li You over for careful questioning. "I heard other people talking about doing things and often saying that they can make a fortune silently. I think it makes sense. But you are afraid that
People in the world don’t know, and this puzzles me. Can you clear up my doubts?”
Li You said with a look of disdain: "Making a fortune in silence seems to be reasonable, but it is not universally applicable. Sometimes, making a fortune in silence is the same as opportunism. It is short-sighted. It only makes quick money and is calculated.
Just short-term gains are not a long-term strategy. What we want to do is build an unprecedented foundation for thousands of years, so naturally we must be upright."
Princess Guide frowned slightly. Although her lover's words were mysterious and unfathomable in the past, she could still understand them after careful consideration. However, since she started to apply for the newspaper, her lover's principles have become more and more difficult for her to understand...,
Am I becoming more and more stupid in his eyes? The eldest princess suppressed this uncomfortable thought and asked again: "Speak clearly, what are you going to do and what are your intentions?"
"What you want to do is just one thing, a shop, a business, and what I want to build is a system, a system that can survive for a long time, a system that will not be destroyed."
Princess Guide continued to remain silent.
Li You spoke eloquently: "What's the difference between you and me? You always want to monopolize one family and take it all, but I never hesitate to share the benefits with others. Of course, you get the most. Win-win is the real win, and you have the
The foundation to keep the system running, even if I am gone. You see, the Yangzhou Salt Merchant Association is running very well now."
"Stop!" Princess Guide heard the useful words and immediately interrupted Li You, "What do you mean, you still want to follow the example of the Salt Merchant Guild and integrate the capital's banks?"
Li You nodded, "That's exactly what I meant."
"Stop joking! Do you know what's going on? It would be great if they don't turn against you!" His Highness Chitose said anxiously:
"Most of the banking and banking businesses in the capital are in the hands of Western merchants, who are in harmony with each other, and the DPRK and China also have Austrian aid. We use the Huichang Bank to promote foreign exchange. Although we cannot threaten them for the time being, it will last for a long time.
At least we will take over all the business of foreign merchants, which will lead to better bank credit and more users, and the impact on them is obvious. Such a contradiction is here, how do you integrate them? Unless you give up the opportunity
Give in!"
Western merchants will have a resounding name in a hundred years, Shanxi merchants. However, in the 10th year of Jinghe, the predecessors of Shanxi merchants were not so capable of opening ticket accounts all over the world. They only opened accounts in the capital.
Various shops.
Even so, the Western merchants also had considerable financial resources, and were known as the heroes of the moment along with the Huizhou merchants in the south. Because of the convenient location, their relationship with the imperial court was closer than that of the Huizhou merchants far to the south.
What Princess Guide is worried about is that if Li You's publicity at this stage arouses the collective resentment and hostility of the Western merchants, it will inevitably cause more trouble. She is not afraid of these troubles, but it is too much.
Faced with his mistress's worries, Li You said confidently: "There is no need to worry too much, I have my own considerations, and everyone will be speechless if I keep it, and we are still the leader in this industry."
Mr. Li's handsome face shone with confidence, making Princess Guide feel dazed for a moment. This lover was becoming more and more important. If he hadn't taken the initiative to call him over to ask him this time, I'm afraid he wouldn't have used it at all.
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