The Battle of Kdonsnoyarsk has entered an annihilating stage!
The President of the Republic of China, Wang Hengyue, who never seemed to care too much about the Russian front, began to inspect the country in November.
What he is concerned about is not how far the war has progressed or whether his army can win, but whether the construction of the country is proceeding smoothly under the guidance of the government.
The first stop of his visit was still Shanghai.
This is an important financial place, and it is also a city that Wang Hengyue attaches great importance to.
During his trip, he did not notify officials from various places, but came to Shanghai quietly. Wang Hengyue did not believe in the face he made to welcome the arrival of the president. He only believed in everything he saw with his own eyes...
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Shanghai Commercial and Savings Bank.
General Manager Chen Guangfu looked out the window with some emotion in his heart. It is really not easy for Shanghai Commercial and Savings Bank to be in the situation it is in today.
In order to open this bank, I really spent all my efforts.
During the "Second Revolution", Zhang Xun made great contributions to Yuan Shikai, so he was sent to Jiangsu as the governor. After Zhang Xun took office, he immediately ordered Chen Guangfu, who was the general manager of Jiangsu Bank at the time, to copy the list of depositors of Jiangsu Bank.
Following this order, Chen Guangfu felt ridiculous. Keeping depositors' confidentiality is the basic rule of the banking industry. Zhang Xun's behavior was as barbaric as a gangster. He knew that Zhang not only held the power in his hands, but also held the hilt of the knife.
However, wouldn't it be a disservice to the depositors to succumb to the evil power?
After thinking about it, Chen Guangfu decided to stand up straight. He refused to submit the list of depositors on the grounds that the bank had the obligation to keep confidentiality for depositors. He submitted the move to the bank's board of directors for discussion and was approved. He then submitted his resignation.
Chen Guangfu's response shocked Zhang Xun: a weak foreign scholar dared to disobey orders and was looking for death. So, he immediately ordered that Chen Guangfu be dismissed from his post as general manager of Jiangsu Bank.
The truth of this turmoil was quickly revealed in the newspaper by Shanghai's "Mainland News". People admired Chen Guangfu and defended him one after another.
After leaving Jiangsu Bank, Chen Guangfu fell into deep thought and began to rethink his future.
The various experiences he encountered after returning to China made him realize that the political situation was turbulent, the situation was changing, and personal ideals and ambitions were so fragile. Two feudal officials who had been kind to him: Duan Fang and Cheng Dequan, one died unexpectedly, and the other escaped.
Empty door. It can be seen that politics is dangerous...
When the First World War broke out, the great powers had no time to look elsewhere, and China's national industry ushered in a good opportunity for development. The opportunity was not to be missed, and Chen Guangfu was determined to establish a bank that he could control.
One hero has three gangs. Chen Guangfu first found his two close friends, Zhang Jiaao and Li Ming. Zhang Jiaao was then the deputy manager of the Shanghai Branch of the Bank of China, and Li Ming was the auditor of the Zhejiang Bank. They were all returnees from overseas. The three of them were close in age and were in their prime of life.
In his youth, he was known as the "Three Brothers" in the Shanghai banking industry.
At the beginning, when Chen Guangfu asked the two for their opinions, they did not agree. The two believed that to open a bank, a large amount of funds must be raised, which is not easy! But Chen Guangfu did not think so. He believed that when the bank was opened, it was not
A huge amount of capital was needed, and there was no need to compete with other commercial banks for share capital. More importantly, he discovered a huge market gap.
At that time, the banks on the market, whether they were foreign banks that focused on the large business deals between the Chinese government and foreign businessmen, or domestic banks that focused on dignitaries, they all looked down upon small businessmen and ordinary people.
Gu. The so-called financial career has actually become the exclusive preserve of “big people”.
Ordinary people are also daunted by the high-rise buildings of banks and do not dare to care. In this way, there is a huge vacuum zone between big banks and ordinary people.
Chen Guangfu used his sharp eyes to discover this unused space in the forest of banks.
He believes that the bank can open for business by first raising 50,000 to 100,000 yuan. After opening, it can gradually accumulate capital by absorbing small deposits from ordinary people. As long as it truly provides excellent services, it can gradually increase deposits, and it can also gradually accumulate capital.
Increase lending!
Gathering armpits into fur, ants form a powerful army.
By then, the two major problems of capital accumulation and utilization can be easily solved. Chen Guangfu's unique insights and incisive analysis deeply impressed the two friends, and they immediately helped him start preparations.
Money is money, but Chen Guangfu has no capital at all. After being introduced by Li Ming, he persuaded a comprador named Zhuang Dezhi to give up 70,000 silver dollars as the capital of CCB. Zhuang Dezhi contributed the most and served as chairman, while Chen Guangfu
With Zhuang's help, he managed to scrape together five thousand silver dollars in capital and became the general manager.
In June 1915, Shanghai Commercial and Savings Bank opened in a Shikumen house on Ningbo Road with a capital of less than 100,000 yuan and only seven or eight employees.
On the opening day, Chen Guangfu neither held a banquet nor invited directors Qian, for fear of being ridiculed by his peers, so a small bank was quietly born.
In Shanghai, where there are so many strong players, how can a small bank with a low reputation break out into its own world?
"The lifeblood of our bank is the word 'service.'" Chen Guangfu answered resoundingly, thus breaking the traditional image of the banking industry as aloof and superior.
At the beginning of the opening, Chen Guangfu inspected the next bank and asked a manager: "How can we serve customers better?"
The manager immediately replied: "No matter how much the customer's business is, whether it is one thousand, one hundred or one yuan, we will warmly receive them. Only in this way can our service be in place."
The manager thought he answered well, but Chen Guangfu said: "You are only half right. He just doesn't pay a penny. As long as he comes to your bank, you must warmly receive him and serve him well."
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In line with the concept of serving the society, Chen Guangfu decided that the minimum deposit requirement for Shanghai Bank was one yuan, which was convenient for customers, especially the general public. The minimum deposit requirement was one yuan, which meant that you could open an account with just one yuan. This was an unprecedented initiative in the financial world at that time.
Before Chen Guangfu, most banks did not pay attention to savings, but Chen Guangfu cleverly seized this market gap and not only gradually developed the savings business, but also named the bank with the word "savings". Chen Guangfu was the first to try this.
He was ridiculed by many people at the time.
The Bank of Shanghai, which opened recently, welcomed a special guest. This middle-aged man held a one-hundred-yuan note and proudly wanted to open a hundred one-yuan accounts. The bank staff warmly received him and took the trouble to explain
He wrote down a hundred accounts in a single tone. Holding the bankbook, the middle-aged man returned home convinced and satisfied.
After this prank spread, many people were moved and remembered this "little bank" in Shikumen. This little bank was not only liked by many ordinary people, but also attracted the attention of some big shots.
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The night breeze is gentle, the voices are silent, and the beach in Shanghai looks so peaceful under the stars.
Chen Guangfu, standing in front of the window, felt exactly the opposite. His heart was ups and downs, and his mind repeatedly revolved around the assertion of a foreign banker he met during the day: "China's banks will not be successful."
This sentence deeply hurt Chen Guangfu's heart, reminding him of the arrogant demeanor of the British staff of Hankou Customs Brokerage, the contemptuous looks of foreigners at international expositions, and the cold reception he received when dealing with foreign companies...
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Faced with these stimuli, he secretly determined to set up a bank to show them!
It was November 1920, and Shanghai Bank had been in business for five years.
Foreign banks made a comeback and began to suppress China's local financial institutions. The person who ridiculed Chen Guangfu in person was the chief executive of an old British bank.
Although the words of this foreigner are unpleasant, they are not far from the truth. Not to mention those government-run banks, even emerging financial institutions like the Bank of Shanghai have many problems.
In the past five years, the one-yuan minimum deposit has solved the capital source problem of Shanghai banks, but how to continue to lend effectively has become a problem. After all, money can only be profitable if it is loaned out! Market risks are unpredictable, and if you are not careful, you will face catastrophe.
The first thing Chen Guangfu thought of was the lesson learned from Shanxi Bank.
In the early days of the Republic of China, once-all-powerful Shanxi ticket offices closed down one after another. Why were the ticket offices with many advantages so fragile and fell apart as soon as the Qing dynasty fell? The fundamental reason was that they followed the upper-level line too much and relied on bureaucracy like taking drugs.
Increasingly addictive!
If you want to avoid making the same mistakes again, you must find a new way. Chen Guangfu set his sights on the booming private enterprises. Such a business strategy may make Shanxi Bank laugh out loud. Yes, Shanxi Bank has been dominant at home and abroad for decades.
But almost no large enterprises have been fostered. However, in order to "resist international economic aggression", besides "assisting industry and commerce", what better way is there?
Although the Bank of Shanghai was small, Chen Guangfu was determined to grow side by side with national entrepreneurs. As a result, the names of many industrial and commercial giants appeared in the shareholder list of the Bank of Shanghai: Xia Zhongfang, the major shareholder of the Commercial Press, Xu Jingren, a modern Chinese industrialist, Sugar
Huang Jingquan, the king of industry...and Zhang Jian and the Rong brothers.
Although private enterprises are full of vitality, the mortality rate is not low.
In order to reduce the risk of lending, Chen Guangfu advocated treating things rather than people and focusing on credit for things, which was smarter than banks.
Regardless of personal credit and affection, it only depends on whether your company is strong and whether your company operates in a standardized manner. Chen Guangfu requires that all loan recipients be investigated for integrity and property to find out their family background, which provides a reliable basis for lending.
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Xi Dongshu, the son-in-law of Beiyang Prime Minister Duan Qirui, runs a business in Tianjin and usually spends a lot of money. Many banks want to curry favor with this God of Wealth and provide him with loans.
However, Chen Guangfu learned through investigation that this person was secretly engaged in speculation and business and might go bankrupt at any time.
So Chen Guangfu strictly ordered to prevent it. Soon, Xi Dongshu fled with the money. Many banks suffered heavy losses due to huge bad debts, but the Bank of Shanghai escaped unscathed.
Just as I was thinking about it, the housekeeper's voice came from outside:
"Master, there is a friend of yours who wants to see you!"