Feng Yong's first payment for the food factory was a loan from the Colony Bank.

In view of Feng Delin's status and the prospect of instant noodles, the Beizhen Branch of the Colony Bank decided to lend the money and agreed on an interest penny. However, Beizhen was a big place in the Ming and Qing dynasties, and by the late Qing Dynasty, it had fallen behind Fengtian and Liaoyang, and the turnover of the entire branch was not enough to issue this huge loan of 500,000 yuan, so it had to turn to the Fengtian branch for help. It was also the lure of generous profits, and the sub-branch transferred a sum of funds to allow the loan to be formed.

Zhang Hanqing would have been derelict if he didn't know such a big news. As an old opponent, he has long cast the net of the "Fengqing Bureau" to Beizhen. Under the notice of the "Bureau of Intelligence," the newly established Financial Services Agency made a surprise inspection of the Fengtian branch of the Colony Bian Bank in the name of a monthly audit, and also discovered the illegal loan project---- in order to circumvent the high proportion of deposit reserves, the Colony Bian Bank consciously concealed some of its turnover, and to paraphrase the modern phrase, it made a second book.

But from the fact that Feng Delin borrowed money, this action can be seen at a glance. In accordance with the decree, the Financial Services Agency issued an order for the rectification of all branches of the banks in Mukden within a time limit. Moreover, it cannot be said that the branches in various places were seized, and their business was handed over to the official bank of the three eastern provinces to be handled, on the grounds that "there is a risk of cholera and local financial order and disruption of economic life." "No matter how background the bank is, it still can't suppress the head snake, and the Financial Services Agency has taken over the country's interests during the financial crisis, and he has nothing to do. Everyone knows who is standing behind this official silver number. The president of the Beizhen branch was dismissed, and the bank filed a lawsuit with the Fengtian High Court on the grounds that Fung had colluded with the branch staff to defraud the loan in violation of regulations, demanding that Fung return the money.

Seeing that the situation was not good, the other thorn bank, thought about a retreat early. This Industrial Bank, also known as "Quanye Bank", was first known as "Fengtian Agricultural Bank", which was established in April by Zhang Xiluan, then the governor of Fengtian Province, in order to relieve the disaster when the flood in Fengtian was serious at the beginning of the first year of the Republic of China, and issued banknotes for circulation. In 1913, due to lack of funds, in the name of preparing for the establishment of the "Quanye Bank", it raised more than 500,000 yuan of commercial shares and 200,000 yuan of official funds, and in July it was reorganized into the Fengtian Industrial (Headquarters) Bank, which was jointly established by the government and business, with the head office and Yu Fengtian, and four branches. After years of hard work, the share capital has increased to 1.5 million, and the holding capital is as much as 5 million.

Due to the low official capital, and the finale Zhang Xiluan is already an outdated figure, he lacks confidence in the face of the alliance between the official bank of the three eastern provinces and the Financial Department. The bullish colonial border bank is still deflated, and its own registered capital is not much, so it does not dare to argue with the government. But now that there are very few institutions that dare or have the strength to take over, is this entity that has always had a good reputation really going to close down?

Here comes the savior. Knowing that IB was in trouble, Yu Aozhou personally discussed the merger with its senior management. However, the Fengtian Peasant Capital Credit Cooperative has only been established for three months, and its share capital is just over 2 million. His plan was to set up a new Agricultural Bank, with the "Fengtian Peasant Funds Credit Cooperative" accounting for 75 percent and the Industrial Bank accounting for the rest.

This is naked blackmail! The difference between the two companies is only 500,000 yuan, but they have to have as much as 3 times the share ratio, which is obviously bullying! It's blackmail!

Of course, Yu Aozhou is confident: his cooperative is now one of the four major banks in Fengtian, and it has 4.5 million yuan available in theory, excluding the reserve ratio of 10%. However, because IB was ordered to suspend business, the 5 million yuan of savings is only a number, but it cannot be used as share capital, and only its share capital of 1.5 million yuan can be used. From this theory, Yu Aozhou is right.

When he came, he already had confidence. Zhang Hanqing gave him sufficient inside information, and perhaps promised not to let any other bank or entity inject capital into the other party. If this can't be taken down, the name of the Yu family, the richest businessman in western Liaoning, is really in vain.

The final result made Zhang Hanqing and others excited. After clarifying Yu Aozhou's background, the people of IB wisely chose to compromise. In recognition of its business premises, popularity, brand effect, and sufficient cash flow, Yu Aozhou eventually increased the proportion of IB in the newly established Agricultural Bank of China to 30%, and more than half of the management and sales personnel were retained.

This is also what Yu Aozhou is happy to see, after all, the credit union has only been established for a short time, has not yet formed a brand effect, and there are not enough familiar or experienced bank employees. With the foundation of IB, these things are not a thing.

Zhang Zuolin paid a lot of attention to the newly established Agricultural Bank: he instructed Liu Shangqing and Zhang Huilin to give appropriate preferential treatment to the Agricultural Bank. The two capable leaders in the financial and economic circles took the initiative to lower the reserve requirement ratio of the Agricultural Bank of China to less than 10 percent, which enabled the Agricultural Bank to expand rapidly. As the chairman and general manager, Yu Aozhou began the first take-off of his life.

The Agricultural Bank of China is first based in Fengtian, and its main business scope is farmland reclamation, the construction of water conservancy facilities, large-scale aquatic products, animal husbandry, etc., which is qualitatively different from the farmers' credit cooperatives involved in farmers' small loans in agriculture and rural areas.

Of course, in order to prevent vicious competition, the Bank of China, the Bank of Communications, and the official banks of the three eastern provinces also have their own business scopes: for example, the main business of the official banks of the three eastern provinces is factory and mining industry and light industry; Bank of Communications' main business is railway, highway, water transport and bridge construction; The Bank of China is responsible for urban construction. In the vast countryside, the Yu family led by Ao Zhou gradually grew up.

Of course, the success of this eldest brother is inseparable from Zhang Hanqing's "silent" support, and the Yu family has become Zhang Hanqing's private small treasury, with the improvement of Zhang Hanqing's status and the growth of the Feng family, the Yu family has also risen, and the monopoly of financial power has gradually made Zhang Hanqing a pole that cannot be underestimated in Fengtian, not just the factor of the old handsome.

In contrast, Feng Delin and his son are in a difficult situation: it seems that they have been put on the knife, and now after some efforts, the food factory is being built, but there are problems with the follow-up operation. Not only was the principal required to be returned, but hundreds of manpower and dozens of employees were spent on food and drink before and after the construction of the factory. The most infuriating thing is that it is about to get on the right track, but the capital chain is broken.

The three banks in Fengtian under Zhang Zuolin's control all refused to give Lao Feng loans, let alone the Agricultural Bank. The colonization bank figured out the grievances between Zhang Zuolin and Feng Delin, and in order to protect himself, he also turned his face with him. In the huge Fengtian, no powerful consortium took over, so that Feng Delin even started the idea of embezzling military salaries, but was fortunately stopped by Feng Yong.