Chapter 190: The Prototype of a Business Empire

Unlike everyone looking forward and backward, Yu Yifan has expressed an extraordinary and firm support attitude from beginning to end, although she is at most a soy sauce player among many uncles---- she has no right to speak, but she is the granddaughter of the Yu family. No one knows whether her words are meant by herself or by adults.

For Zhang Hanqing, she somehow has a natural sense of closeness, maybe it's because of her aunt, how can she help him? She is giggling on the surface, but she is very scheming. At first, when the elders were all opposed, she couldn't say anything. But when Zhang Hanqing successfully moved some people, she watched many people move, and knew that she needed to break the deadlock, so she couldn't wait to jump out:

"I agree with my uncle's idea. Doing business only to seek stability is never big, in the end, my uncle is a person who does big things, and he has courage. I remember that my second grandfather (Yu Wendou) once said: 'Wealth is in danger', and our family was in the tea business before I was born, and it is still like this. Although it is said to be very stable and the life is passable, but look at the new families next to it, they have not set foot in our business, and the rumors are still rising. Especially the 'Hengjiu Qianzhuang' that my uncle just said, the second grandmother once told me that people will be approaching our Yu family in ten years, and according to this trend, it won't be long before our name as the first in Fengtian will be replaced by others. Am I right, second grandma? ”

Old Mrs. Yu was satisfied, and she needed someone to jump out and guide her, and someone sent a pillow as soon as she dozed off, of course, she had to make a worried look on the surface: "That's right, what kind of big guy Boss Zhao of that money village was back then, he ran in the snow with snot and bare feet to find something to eat in winter, what was the situation of their family back then?" It's only been a few years! ”

It is said that Boss Zhao made a fortune in less than ten years, not only bought several big houses in the provincial cities of Fengtian and Changchun, but also married several wives and concubines, and lived a very prosperous life. Boss Zhao's deeds are very inspirational in Zhengjiatun.

Yu Yifan saw that the second grandmother supported her, so he struck while the iron was hot and said: "I don't understand much about what my uncle said, and I don't know if it is more reliable to run a bank with the government than a bank." But I know that although the investment is large, the profit must be very high, and my uncle will not lie to us anyway. I think my uncle is not a businessman, but he is one step further than all of us. With these advantages explained by my uncle, if we still can't do it, we will be ashamed to death! ”

Her girlish heart is one thing to say, but it also weakens the atmosphere of strong debate. Think about it, what kind of family background is the young marshal? How powerful his guarantee is that at least monopolize Fengtian, the Yu family, as a large household in Fengtian who has been in the shopping mall for a long time, still has this vision for many people. Don't talk about others, Uncle Gao Tianlei first responded: "What Yifan said is that with such good conditions, I think this bank project is worth doing!" I Gao Tianlei absolutely fully support! ”

This statement made the Yu family enthusiastic: the authentic son-in-law didn't help, but let the relatives speak first, if the strength was not enough, what did Zhang Hanqing think? Old Madam Yu looked at Brother Nai with some disgust, not only secretly praising and admiring his alertness, but also sighing at the kung fu that had only been done for a while, why did he change his course so quickly? Of course, she won't say much, and following his words is the right way to get off the donkey: "Han Qing is the son-in-law of the Yu family after all, how can the Yu family ignore his affairs?" We're just talking about what to do, after all, it's not a trivial matter, is it? ”

In fact, Mrs. Yu expressed her firm support for Zhang Hanqing last night, and the reason is very simple. After all, she has seen the big waves, and the problem is even deeper: 500,000 yuan seems to be a huge amount of money, but in the famous young marshal son-in-law, it is not necessarily a very difficult problem. I heard that this son-in-law has attracted a lot of people to invest in millions and millions of dollars in Fengtian in Beijing, and his channels should be very wide, not to mention the relationship between the handsome Zhang Zuolin. With this simple relationship, it is worth letting the Yu family rush up---- no matter how many people want to find this opportunity to tie up Zhang Dashuai, not to mention the son-in-law's opening and his daughter's request.

Yu Fengzhi's heart was overjoyed, but it was not only because of this investment decision that contributed to it. This is the first time her newlywed husband has come to her mother's house to seek funding, and if she can't take the palace perfectly, the business can't be negotiated is secondary, and losing her husband's face is a big deal.

Just last night, when her mother talked to her about Zhang Hanqing's recent situation, she was still very sad for the "tragic situation" of him leading all the guards to feed the pigs, because there were rumors in Zhengjiatun that this Jiaoke in the house was "poor enough to feed pigs". Of course, her mother will never tell her if she firmly supported Zhang Hanqing's decision last night, whether she has the intention of supporting this son-in-law, but now that Zhang Hanqing's tongue is full of lotus flowers, her courage finally promotes the recognition of her mother's family, which makes her face very bright.

The Yu family is still very cohesive as an emerging business family, and Mrs. Yu also has the courage to be no less than a man. After deciding to "stick a knife in both ribs" for his son-in-law, the rare high operating ability of the family was reflected at this time: the peripheral industry was auctioned; The shop that started was mortgaged; The wharf, which was originally full of money, was transferred.

Outsiders were confused by the Yu family's big move, and some of the original business partners also came to write or consult, Mrs. Yu just said: "According to the wishes of the son-in-law, the Yu family fully supports the establishment of the Fengtian Farmers' Fund Cooperative. Of course, he also persuaded these good friends whose husbands had friends and partners in the past and are still in contact with them now: "The prospects of rural credit cooperatives are very good, and all old friends should also help each other and participate in the grand event." ”

Who is the Yu family? It is one of the largest households in Fengtian, and I heard that the daughter Yu Fengzhi is married, and there is a big enterprise to marry. Who is the husband's family? Everyone in Fengtian knows that it is the eldest son of the Great Marshal's Mansion, a rookie in the military world of Fengtian, and Zhang Hanqing who holds a heavy army!

Now the Yu family is going all out to set up a "peasant credit cooperative", I heard that it has the same meaning as the bank, but the target of the savings is the peasants. This looks like the peasants' money is really not much, but it can't stand the number of people, there is a lot of trouble here, the key is that there is a young marshal in the middle, he won't let his father-in-law's family suffer, right? If you join the gang, will you also indirectly have a relationship with the Overseer's Mansion? I heard from the Yu family that Zhang Hanqing and Yu Fengzhi will also invest a lot of money as one of the initiators, and it is worth doing with this relationship.

Whether it is the collusion between officials and businessmen, or the sycophancy of businessmen, the "Fengtian Peasant Fund Credit Cooperative" has been smooth sailing anyway. Cooperatives, as the name suggests, are community organizations that want everyone to work together. In order to allow as many "rich people" as possible to join, the share capital was set at 100 yuan per share, and Yu was the main sponsor of 500,000 taels of household cash.

The original plan was to finally raise one million shares to open the business, but when Zhang Zuolin personally held a voucher of 100,000 yuan and bought the shares, his influence was unmatched for a while. And Zhang Hanqing and his wife also gritted their teeth and paid 100,000 yuan to get together---- 30,000 yuan was the proceeds of Yu Fengzhi's last dowry, and 70,000 yuan was a generous gift from Zhang Zuolin after hearing that his eldest daughter-in-law sold his dowry.

This matter has been spread ten, ten and hundred, and even the leading figures in Fengtian City know about it. This bank is always profitable, with the endorsement of the overseer and the governor, and the young marshal and his wife even have a dowry, and they are sure to win money if they think about it with their toes. Therefore, figures in the financial and economic circles donated one after another, and soon added a huge amount of money of nearly 500,000 yuan.

At this time, many onlookers were moved, and the typical principle of "praising the high is not low" began to take effect. There is an official Zhang Dashuai who is a town, and I heard that the provincial finance is also a guarantee, and there is this relationship, and the insurance coefficient is mostly large. The foundation of the bank is credit, and with the handsome man as a "partner", the business must not be lost, and there is also personal affection, isn't it? So those who have money can take more, and those who have less money can also get together a few shares, of course, just one share will not be too little. In this way, another 1.8 million yuan was added. The total of zero and zero has brought together as many as two million!

On the day of the opening, not only the overseer Zhang Zuolin personally attended, but also the upper echelons of the Fengtian military, political, and financial circles came to congratulate them. The Yu family is the big head, accounting for about forty percent of the share capital, and has a handsome face, Yu Fengzhi's eldest brother Yu Aozhou was naturally elected as the chairman and general manager.

The main task of the "Farmers' Fund Credit Cooperative" at present is to absorb savings, and the source of customers in this part is actually very solid: because in the rural areas, it is not easy for farmers to make money, and they cherish this savings more and more.

The Yu family seized this historical opportunity and decisively got on the horse, winning the second chance to make a leap. They were originally from a business family, but now they have the huge capital of Fengtian Agricultural Credit Cooperative, which is even more powerful. Due to well-known reasons, the Yu family's business behavior began to be branded as a political background, not only easily involved in all walks of life in Fengtian, but also monopolized all farmland and water conservancy projects, inland waterway shipping, tax retention, etc., and developed extremely rapidly.

As long as you have saved money in the cooperative, when you need a loan, you can easily obtain a loan by finding a villager who also has an account for joint insurance. At that time, because there were almost no financial institutions for rural areas, the traditional way to obtain loans in rural areas was to borrow usury, and encountering black-hearted rich people was enough to ruin their families. Therefore, as soon as the new form of finance of peasant capital credit cooperatives was born, it immediately won the favor of the broad masses of the people and was called the "life-saving bank" of peasants.

The low interest rate, no collateral required, and a good service attitude have made the cooperative a great success in a short period of time. The common people trust, and in order to be eligible for loans when necessary, basically every family in the countryside has an account, and spare money is also deposited here. According to statistics, in the first three months, all cooperatives absorbed a total of 5 million yuan in deposits, and even farmers in neighboring provinces began to move; A year later, the highest period of deposits reached 20 million yuan!

It was from this point on that a group of Zhang Hanqing's earliest supporters led by the Yu family carried out this revolution in China's financial circles, and then gradually formed the Northeast Consortium, which is also a myth in the financial circles, which is also a later story.