Chapter 13 Development Bank

Chen Wenhui changed the topic and said: "Let's talk about these later, we are in Qingchun City, but we are not a great Chu, it is possible to have anything, there is anything here, it is a rotten Confucianism without preaching." ”

Saying this, Wan Shuhui's heart moved. But she was not allowed to think too much, Chen Wenhui then asked: "I have one more thing to ask you." How's our bank going? ”

Wan Shuhui was excited when she heard this, this is her main business. This is not only Wen Hui's shares, but also her shares. It is precisely because of this reliance that she is not as excited about things as Qiu Bi and others as she is about official positions. When it comes to money, she is stronger than the average small Jiangnan family. Originally, the bank in Da Chu was jointly owned by Chen Wenhui and her, but Wan Shuhui's shares were just less, even so, she could share more than 100,000 taels of silver every year, where could she spend it. Now, this Nanyang Bank is a branch of the Da Chu Bank. It can also be deposited and exchanged. This βŒ’ ≧ no βŒ’ ≧ wrong βŒ’ ≧ small βŒ’ ≧ said, .qβ—‡uledβ–³u. Nanyang Bank is also Chen Wenhui and her shares, after that, the posture of making money has also been added. In the future, Wan Shuhui can imagine that she is a super rich master. In fact, now, she alone can feed the entire Wan clan. However, the Wan clan was too uninformed, and at the beginning, they couldn't see her talent at all, so they sent her to sell her hue to Yan Songbai as a concubine. Of course, in those years, the Wan clan made two dollars, but can those two dollars be compared with what she earns now? Not to mention, now she is a third-grade official. Of course, she has long been an official of Sanpin, and the financial officer of Shanghai City is the official of Sanpin, or the official of Dachu. The Wan clan broke her heart. So now, she has the power and money, but she doesn't want to help the entire Wan clan, just looking at the common blood relationship, picking up the right temperamental, good-hearted, upright, talented clansmen to help, those mediocre talents. Sake stuffed rice bags. She didn't even want to pay attention to it.

Wan Shuhui said: "Our Nanyang Bank business is very good, you just know, because you city lords deposit money in the bank and exchange it for paper money. We printed the silver paper in Shin Kong City. You can lend out the money you have saved. Da Chu consumed more than half of these millions. This year's net profit is one hundred or two hundred thousand. And that's not to mention. The rest of our money is spent on Luzon. Now, the people in Qingchun City. There are more people taking out loans than we think. Some have already repaid their first loan because they have made money from the sale of trees. These people who repaid the money tasted the sweetness and started a second loan. The second time they took out a loan, they were also emboldened and dared to borrow more money. We're also going to implement the credit system that you mentioned and evaluate the creditworthiness of these people. For those who have a regular income in the family, such as our craftsmen, and those who can repay the loan early for the first time, we give them the maximum loan amount the second time. If, after a while, they can repay the second loan, we can also take out a third loan, and the money will increase each time. In this way, our money is lent out quickly and recovered quickly. So, I thought, with such a good business, can we expand to the other three cities? ”

Chen Wenhui pondered and said: "The people in our city, we can be sure, the people in the second brother's city, I am also sure, after all, the second brother and we are a family, if someone owes us money and does not pay it back, my second brother can also let the government come forward." But I'm not sure about those two cities. ”

Wan Shuhui said: "Then give loans to the residents of Tianshui City first." Actually, I think the black family's Puning City can take out a loan. The business there, the maritime trade, is more active than ours here, and I think that if we can get a loan there, our business will be more prosperous. ”

Chen Wenhui said: "I am still sure of Puning City. But Tongren City, I think it's better to take a look first. When it feels like it's almost over, their city lord also wants our bank to go in, so let's go in again. Originally, I, Nanyang Bank, was ready to serve the four cities. In fact, in the future, Nanyang may not be just our four cities. There will be others, my Nanyang Bank is for all Nanyang cities. At that time, we really made a lot of money. ”

Wan Shuhui's eyes lit up. After thinking for a while, he said, "I said, why do you only set us up as three-grade officials." It is said that you are the first grade, and I, the deputy city lord, should be the second grade. Those directors should be the three products. However, now I am the third grade, and those directors are the fifth grade. It's a bad grade. ”

Chen Wenhui smiled: "Are you disgusted with the official's child?" ”

Wan Shuhui said: "The girl made fun of me again. Am I the kind of person who dislikes the small number of officials? I am a woman, and I am already very satisfied with being able to do business and make money, where would I have thought that I could become an official one day. I don't have an official addiction, but I have an addiction to doing business, one day, you won't let me be the deputy city lord, I'm happy, hurry up and stare at my bank, then making money is really fast. ”

Chen Wenhui said: "I know. You are the deputy city lord because I have few people now. ”

Wan Shuhui was also very happy to see Wen Hui so understanding.

Chen Wenhui said: "But, do you know? You are a very talented person, why do you always think that you are a woman and look down on yourself? If you don't have this kind of thinking, your life can be better, and your career can go further. You see, how smart you are, you see the problem from the official position at once. Sue you. Originally, you were all supposed to be second-grade officials, but now why are you third-grade? Because I'm not satisfied with a city. In the future, our Qingchun City will be built. I'm going to build a second city. Or even the third, the fourth. You see, why did I choose this southern city specifically? Because Luzon is further south, which is Mindanao, and there is a lot of land in the area, I want to base myself on Luzon and one day include the whole of Mindanao. ”

Wan Shuhui was stunned, although she had vaguely this conjecture before, but when Wen Hui really said it, she was still shocked: "Wen Hui, are you really a girl?" Where is there a girl like you, so ambitious? ”

Chen Wenhui smiled and said: "You don't have to worry about my affairs, you say first, whether you are willing to follow me to build cities one by one, and finally, become the head of these cities." ”

Wan Shuhui suddenly felt that this was a huge surprise. Perhaps, her legendary life is only beginning now.

When Wan Shuhui was still immersed in her imagination. Chen Wenhui said: "Okay, these are all afterwords, you just need to know." The task is daunting. If you don't have anything to do, go back first. In the future, when looking at problems and thinking about things, we must develop from the overall situation, and just remember that our overall situation is really big. I'll take a break, and I'm waiting to see Qiubi. ”

Wan Shuhui reacted at this time, feeling that her brain was a little insufficient today, and she hurriedly said, "Okay, I have to go back and think about it." You can rest first, and then have lunch with Qiubi later. I'll go back to business first. I don't know how many things have piled up in the past half a day. ”

Chen Wenhui smiled. Seeing Wan Shuhui retreat, he said to Yujin, "Go and call Qiu Bi over." By the way, your name is Lu Ya and that master, and Wu Cheng wait a minute, I will talk to the three of them alone when I see Qiu Bi. ”

Yujin hurriedly agreed.

In this way, Chen Wenhui summoned these important officials non-stop. Qiu Bi originally wanted to postpone not doing this official position. Because she has been thinking about being a maid for the girl since she was a child, a big maid close to herself, and she will follow the girl to be a dowry in the future, and when she arrives at the girl's husband's house, she will find a person who has the right eye to marry, and be a housekeeper, and continue to be an errand for the girl in the future, and serve the girl for a lifetime. In the future, her children will also be on errands for the girl, and possibly for the girl's children. She was going to be a servant, but, girl, I gave her back the deed of sale. also promoted her to be an official, although she was only a five-grade official, she still felt very frightened.

Back then, when they were in Ancheng, she entered the Chen Mansion. At that time, Chen Yuanheng was still a seven-grade county magistrate. Now, she has not only become a big girl, but also a five-grade official, this huge change makes her unable to accept it for a while.

Of course, Chen Wenhui understood her concerns, so she encouraged Qiu Bi and said to Qiu Bi: "I guess, you have this kind of idea, and they have green shoots. You are used to the days in the house, and you are afraid that you will go out and become independent, so you will break away from the house and me, you have me in your heart, do I not have you in my heart? Actually, you see, Sister Feiguang and Sister Yinhong, aren't they all out of the house? Aren't they all freed from slavery? Aren't you still in charge of our house? Or is it the chief steward? A few of you are going out to be officials, aren't you still working for me? However, in the past, your ability was not strong, so you could only manage my clothes and jewelry, and wait for me to dress and eat. Now your ability is getting stronger and stronger, you have participated in the construction and development of Shanghai City, Xinguang City, and now it is Qingchun City. In terms of experience in building cities, you are a hundred times stronger than most of the officials of Dachu? Which official of Da Chu can have the experience of building three cities? ”

Saying this, Qiu Bi thought about it, she followed the girl in Shanghai City back then, and was in charge of the income and expenditure accounts of the entire Shanghai City. At that time, I was just how old I was. But it's not the same as the management is good. In the past few years, I have gone through a lot of experience, and I can feel much better than before. After all, as you get older, your experience increases. Isn't it as good as when Shanghai City was built? Thinking of this, Qiu Bi's heart was a little more confident. (To be continued......)