Ma Qianzhu asked: "Are there too many points? How much manpower will be invested in this?"
"Not many," Yan Ming said. "Our plan is to use local indigenous people as much as possible and send one or two people to do activities. They will only appear as businessmen."
Of course, going deep into the heart of the Ming Dynasty to set up a branch requires a lot of capital to operate. At the moment, the people in time do not have the strength. So the current plan is to open a bank in Guangzhou.
"People generally don't accept new things easily," Yan Ming elaborated on his idea. "At the beginning, you can put it directly under the Guangzhou station system and first absorb deposits through Zizhenzhai - this company already has a relatively high credit and can attract deposits.
It will be easier. It is estimated that it will not be long before Zichengji can also accept deposits. The deposits collected by these two companies will be allocated and used in Guangzhou Bank. The financial transactions of various merchants under the Guangzhou Station will also be transferred after the funds are transferred in and out.
Let the bank handle it all. Slowly build credit."
In this way, it is equivalent to taking back the financial rights of Guangzhou Station. Everyone on the executive committee naturally understands the benefits. Guangzhou's Zishi Group's business is getting better and better, its business scope is expanding day by day, and more and more merchants are trading in the local area.
Various financial problems are very prominent. First of all, the money used by Guangzhou Station is just to fill in the payment slip, register the purpose of expenditure, and then spend it directly from Guangzhou's accounts; secondly, the cash is completely self-received and there is a lack of supervision.
Although there is a quarterly financial audit, it only checks the incoming and outgoing accounts. As for various temporary expenses, it is impossible to verify them at all.
"Lack of power of supervision will inevitably lead to corruption." To the Executive Committee, Guangzhou Station is now a large state-owned enterprise that lacks supervision. In the past, the situation was small, and it didn't matter a little bit in and out, but now the situation is getting bigger and bigger, and this aspect must be
Be careful. If the four people from the Guangzhou Station join forces to cause trouble, it will be difficult for the Lingao Financial Committee to detect it.
Thinking of the fact that there will be more and more overseas agencies in the future, the Guangzhou station is just one place now. If there are more places in the future, it will become more and more confusing. And once a chain of interests is formed in terms of misappropriation of public funds, it will be complicated to clean up.
Extremely, what if someone comes to the Executive Committee again, or uses inducements to buy votes from the general public... The thought of it makes all the members of the Executive Committee unable to sleep.
Now that such a bank has been established, all affiliated companies and dealing companies must open public accounts in the bank. Various special funds can also have separate accounts. Each fund flow must be posted and recorded, avoiding the disadvantages of cooking in one pot.
.
Thinking about it this way, there are indeed many benefits to running a bank. Not to mention things like exchange, at least the internal control will be improved.
"Would this put too many constraints on the company? The person in charge would inevitably be timid."
"No." Cheng Dong explained that establishing a bank and requiring all transactions to be posted is only part of a sound financial system. It has nothing to do with who uses the money and how much, and it does not involve interference with specific operations.
"The financial rights of enterprises are still independent. This will not change." Cheng Dong said.
"So, in fact, Lingao should also open a branch."
"Lingao is now handled by Delong Grain Bank, and we can divide it into part-time businesses. All enterprises and institutions currently established must gradually establish financial systems, open public accounts, and strive to open public accounts within the year.
The financial work will be fully documented and institutionalized."
So the proposal to set up a bank was approved. In order to avoid having too many brands and making it difficult to manage, the bank planned to be located in Guangzhou was called Delong Bank. It would directly accept the command of the Finance and Financial Committee in terms of management.
"Is there anyone suitable to send?"
"Yes, Meng Xian is fine."
Everyone knows Meng Xian, but it's not his financial talent, but his impression when he was a shooting coach during the training of the New Army. I remember that he shot a gun very accurately, and he was worthy of being a shooter in a sports school.
"He studied finance and accounting in the United States and is in his field."
Wen Desi thought for a while: "But this person's image is not very suitable."
This man is 180cm tall, weighs 90kg, has a beard, curly hair, small eyes, and muscular muscles. He looks out of place as soon as he stands on the street in Lingao. Wouldn't it be more eye-catching if he was sent to Guangzhou?
"It doesn't matter. I think his appearance is very exotic. It's a good cover in a place like Guangzhou where there are many places." Cheng Dong strongly recommended, "And he can also be used as a half-agent. He has a lot of experience in using firearms."
For such a conspicuous person, no matter how good his marksmanship is, he can only be an action person at most, and it is obviously inappropriate to engage in intelligence. But since Cheng Dong strongly recommended him, everyone no longer objected.
"Okay, that's it."
As for the proposal to put high-interest borrowing positions in Guangzhou into the sugar market in Leizhou, the executive committee also approved it - although the risk was higher, it was a business that was sure to make a profit. It immediately telegraphed to Guangzhou to allow the borrowing.
After receiving the news, Guangzhou got busy immediately. Everyone split up and asked Shen Fan to step up the process of absorbing deposits and absorb as many as they could. Guo Yi and others were busy with lending first. Guo Yizao and Zhang
Yan Maoda has discussed the letter. Although Lingao has not yet approved the letter, the matter is urgent and we must obey the authority. Therefore, we have already made contact with various people who may transfer positions. As soon as the approval message arrives, everyone
Take action immediately.
But things did not go as smoothly as expected. The reason is very simple. The monsoon is coming, foreign ships will set sail soon, and large quantities of export goods require a large amount of money. Money is tight in the whole city now. Even if it is like this
The money of the wealthy businessman is also tight now. After negotiation, Gao Ji promised that the position that could be transferred out at any time was only 30,000 taels. This was only raised by asking people to go through the accounts again and again and postpone several payments. Guo Yi knew
, in the case of Leizhou, in addition to the 50,000 taels shipped away, at least 150,000 taels of silver are needed to ensure victory.
One hundred and fifty thousand taels is not a big deal in Guangzhou City, but now it is hard for a penny to kill a hero. Although Shen Fanxian has a way to absorb deposits, it is difficult to save the fire that is far away. And Zichengji has always relied on strength
If you appear too impatient in lending, you will "lose your status" if you show off your strong face. Several people in Guangzhou have been in the business world for several months, and they have a good understanding of the traditional business circle - no matter what your real situation is, you should
There must be some scenes, even if you borrow money, you must maintain it. Once you show a little fatigue, things will immediately become difficult to handle.
However, if today's matter can be solved, it will be a big turn for the better.
This sedan was specially made for him by Shen Fan recently, for visiting guests. It stands to reason that a white man like him cannot sit in a four-person sedan, but Guangzhou has been in port for a long time, and the utensils used for eating have exceeded the limit. It's a common thing. Four-person sedans are everywhere in the streets. It's no longer the same thing. What's more restrained is that they don't use green. The sedans are very particular, with three sides inlaid with glass windows shipped from Lingao - transparent The high-quality plate glass is quietly entering the lives of the wealthy businessmen and gentry in Guangzhou. The window curtains are hung with colorful silk, and the sedan bars are covered with copper and polished brightly. The sedan is equipped with bowls, fruits, snacks, and a hookah pipe. If you are walking a long distance, you will not have to worry about loneliness on the way, and you will have plenty of entertainment. The inside of the sedan chair is very spacious, even for two people, it is more than enough.
Guo Yi was a little hesitant at first, thinking that sitting in this sedan was too cool, but Shen Fan persuaded him that in the jewelry and toys business, if the owner is not wealthy, it would be a low-profile person, and even the store followed suit. The price is low, so it is appropriate to be more luxurious.
Originally, Guo Yi wanted to propose a vehicle manufacturing plant in Lingao to produce a batch of high-end carriages to supply to the Guangzhou market. However, after seeing the price of horses in the Guangzhou market, he knew that it would be difficult to find a market for this kind of product - horses are incredibly expensive. The carriages are definitely I can sell a few cars, but not many.
"A carriage, a carriage, just a carriage and no horses are not enough -" Guo Yi muttered. His body rose and fell with the rhythm of the sedan. This was not the first time he had sat in a sedan. He was already used to this bumpy feeling, and he felt in his heart. I was thinking about how to persuade these donors.
The positions that can be borrowed in bits and pieces like this will probably not exceed 30,000 taels, which is still 100,000 taels away from the figure of 150,000. Where can we find these 100,000 taels of silver? Guo Yi thought hard for a long time. I discussed it with everyone, but no one could come up with a specific idea.
However, if things go well today, things may turn around.
The sedan suddenly stopped. The attendant opened the sedan curtain and asked in a low voice: "Ziming Tower is in front, do you want to carry it in?"
"No need!" Guo Yi knew that Ziming Tower was now the first-class romantic place in Guangzhou, with many dignitaries coming and going, so it was too conspicuous to carry it in in a sedan chair. He was not here to show off.
"Go through the back door."
The back door is secluded and there is also a special sedan hall. Guo Yi's sedan was carried directly in. The steward of Ziming Tower was already waiting for him.
"The guests have arrived?" This was the sentence he said when he got off the sedan chair. It can be seen that the host takes this matter seriously, and the steward hurriedly replied: "As for the host, they haven't arrived yet."
"Take me to see Miss Pei." He hesitated for a moment when using this title. Then he thought that he would show off in women's clothing anyway, so he simply agreed to avoid causing any problems later.
Pepi's boudoir is located in a small courtyard in the back building. There are many flowers and trees in the courtyard, which makes it a quiet place amidst the hustle and bustle. It is also the first time for Guo Yi to enter this place. Once inside, there is no maid, but he is a good-looking young man. Come here to say hello and help him change his clothes.
A year ago, Guo Yi would definitely have felt uncomfortable and unwilling to be served by others. However, he has been in Guangzhou for a long time, and his cover identity is the big boss, so his daily life is naturally different from ordinary people. The so-called living in the body, raising the body I was so angry that I followed Mr. Shen, an old shopping mall connoisseur, everywhere. The people he came into contact with were either rich or noble, and he gradually developed the demeanor of a wealthy businessman. Even in Guangdong Mandarin, it gradually lost its 20th century tone. The taste began to slowly integrate into his character.
He calmly asked the boy servant to help him change into household clothes, and then wiped his face with a hot towel. After sitting down in the large room, someone brought him tea and four plates of tea fruits.
Looking around, this house is quite luxurious. The furniture in the whole hall is made of Guangdong rosewood. In another time and space, this set of things would probably not be worth a million dollars. There are many famous calligraphy and paintings hanging on the walls. The most conspicuous thing is a large floor-standing mahogany clock, which is the only thing in Guangzhou. The "internal organs" of this big clock are all brought from another time and space, and only the outer shell is made locally. Made by craftsmen.
What is not very coordinated is the kerosene lamp placed on the table. Although it has a beautiful lampshade, its shape does not match the whole room. As for the row of rattan shell hot water bottles lined up on the Fujian lacquered low cabinet, it is even more confusing. The feeling of confusion in time and space.
The boy servant came to the curtain and whispered: "Dongzhu Guo is here."
Pepi, whose pseudonym is Pei Lixiu, opened the curtain in person, and walked out gracefully. She saw that she had lost a lot of weight these days because she was in charge of Ziming Tower, and she had lost a lot of weight, which was more in line with the aesthetic taste of this time and space. She wore light makeup on her face. , her eyebrows are picturesque and her eyes are flowing, but she doesn’t have a strange taste.
When she came out, she received a blessing: "Lixiu has met the proprietor."
This blessing can be regarded as recognizing Guo Yi as her proprietor on the scene. Although it is acting, it is very necessary. Otherwise, a single woman with unknown origins who opens such a grand restaurant will inevitably attract endless troubles. Trouble.
When the servants and maids saw their master arriving, they naturally had something intimate to talk about, so they withdrew without waiting for instructions.
Guo Yi was not polite, went straight to the point, and whispered: "Who are you dating?"
"They are some dandy young men." Seeing that there was no one around, Pepi put away his graceful and graceful appearance and simply sat with his feet up, "I'm exhausted!"
"Pay attention to your image!" Guo Yi quickly reminded Pepi when she saw her true colors revealed.
"It's okay, they don't dare to come in if I don't greet you here!" Pepi stretched, "Do you have any cigarettes?"
"Where can I find cigarettes for you? You have to be careful in this job. It smells bad if you have cigarette smoke on your body -"
"Huh, what do I do?" Pepi leaned forward, "Ziminglou is a clean and orderly business, and you actually said such hurtful words..."
Sweat, Guo Yi couldn't bear it anymore, and goosebumps suddenly appeared all over his body.
"Okay, I didn't say anything. I don't have a cigarette. Let's get down to business."
"Yeah." Pepi took out a linen handkerchief and wiped his eyes - this handkerchief is a recent product of Lingao Textile Factory. It is made of a blend of local hemp and high-count long-staple cotton. It is light, breathable and feels better than silk.
Much.
Most of the luxury goods and consumer goods developed by Lingao were first shipped to Guangzhou, and many were given priority to Ziminglou to build up the brand. Rich people liked it, and the entire market opened up - no matter what era, there are
Rich people always lead the trend of fashion consumption.