Yu Fengzhi's personality is in the same vein as Mrs. Yu, and he attaches great importance to feelings, but once he makes a decision, he will immediately devote himself to discussing the pros and cons from a rational point of view. After some heart-to-heart exchanges, the focus of the discussion between the mother and daughter is not whether to do it, but how to do it.

Such a big thing can't help but ventilate with the important people in the Yu family. Mrs. Yu called her son, Yu Fengzhi's brother Yu Aozhou and her younger brother, Gao Tianlei, the "marriage trust" who had guided Zhang Zuoxiang and Zhang Hanqing, and made a full decision to them. In the business system of the Yu family, Yu Aozhou is the eldest son of the Yu family and the traditional heir, and his uncle Gao Tianlei is the most influential figure in the periphery.

and Yu Fengzhi's expectation was true, they were all surprised when they heard it, if it wasn't for Yu Fengzhi quickly emphasizing that it was her opinion, they would have questioned Sister Yu (mother) because of her age.

However, when the old lady raised the business to the height of politics, they all pondered. Yu Aozhou and Yu Fengzhi have always had a deep brother and sister relationship, but they still have reservations about this practice of gambling with all their belongings; Uncle Gao Tianlei said clearly: "We are not familiar with the bank, and we don't have the courage of our niece, so I won't say anything." If it's an investment like instant noodles, I'll make up 10,000 for the difference, and I'll lend it out if it's 100,000 yuan! ”

Mrs. Yu didn't make a strong decision, but just said that let them go back and think about it first, and gather everyone to negotiate tomorrow. Although he knew that his mother was very likely to be "dictatorial", the attitude of the two heavyweight members still made Yu Fengzhi deeply worried. When she informed Zhang Hanqing of the attitude of the two most powerful leaders of the Yu family in the evening, Zhang Hanqing decided to go out herself.

The next morning, when the gods of wealth who held the lifeblood of the Yu family's economy gathered in the conference hall, Yu Fengzhi tactfully started from the establishment of instant noodle marketing channels. Her plan was that this new enterprise would first take Fengtian as a foothold, and in the early stage would monopolize the purchase, processing, and sales of grain in the province; This new enterprise should have its own sales points and publicity outlets in major cities across the country to facilitate the explosive sales of instant noodles; This new business should be in the hands of the family, and instant noodles are definitely a fresh and fresh industry.

The plan was unanimously adopted. Although instant noodles are a new thing, after all, they are not in the scope of the traditional food industry, and Yu Fengzhi's means are just to make it more monopolistic and bigger. For familiar fields, even if they invest a little more, everyone still has a delicate heart and is confident that they can control it.

But when Yu Fengzhi gradually mentioned that now the whole Fengtian industry is waiting to be developed, and there are many business opportunities, but the Yu family does not have enough funds to complete so many investments, perhaps taking this opportunity to set up a bank and enter the financial industry is a ladder for the family to get rid of the shackles of traditional business thinking. Therefore, she said very cautiously: "I want to discuss with your uncles and uncles to see if we can come up with 500,000 yuan in advance to prepare for the establishment of a bank." ”

Unsurprisingly, this news surprised the big guys, and almost everyone exclaimed: "This is not business, it is gambling!" And it's a big gamble related to the two generations of the Yu family! ”

What is the concept of $500,000 in this day and age? If an ocean feeds a person for a month, that is the total population of a relatively large county for a month! Converted to the 21st century before the time travel, it must be an investment worth one billion, which is an astronomical amount in this year. And most importantly, it's just the forefront!

The Yu family really has a chance to make up, but most of its money is occupied by investment, and the whole family can't get together so much cash! If you want to come up with this money, you must give up most of your business and turn your assets into cash. Putting aside the money-making business and smashing the money into the bank business makes everyone talk about it like a pot.

Some people say that this is too child's play, and it is not worth it to get involved in an unfamiliar industry and lose all your belongings; There is a sigh of speculative thoughts, there is a weak heart, such a big investment is just to be done at home, but it can't afford to be a pants, and it is unwilling to pull up other families, and the risk of borrowing and investing is too high; The idea of the moderate type is whether it is possible to start small first, and then gradually increase investment when the conditions are ripe.

Through the efforts of his father's generation, the Yu business group has now formed a huge economic empire headed by the Yu family, with several major shareholders and dozens of peripheral forces as supplements. Usually, although major decisions are made in the final decision, they will basically ventilate in advance and strive for everyone's collective approval, and this has been the case for many years.

Yu Fengzhi didn't want to change this tradition, she had to try to convince them. After the couple decided to start a bank in the countryside, Zhang Hanqing had already given her a lot of inspiration, and she needed to minimize investors' worries in the early stage. For example, advance financing does not need to sell the property of the Yu family to realize it, as long as the Yu family uses its prestige to raise funds in the society, Zhang Hanqing will also use the name of the Overseer Mansion as a guarantee and use the status of the Zhang family to strive for the support of social elites and so on.

As the coquetter and initiator of the East Bed, Zhang Hanqing can't stand by. He knew that the scruples of these people were because the new bank should be too lofty for ordinary businessmen, and so would they be as wealthy as their families. If you don't explain the prospect thoroughly, don't explain the reason, so that your dear mother-in-law can't make a tough decision---- Yu Fengzhi has already told him about his mother's unconditional support last night.

He needs to come forward, and now he is not only the son-in-law of the Yu family, but also a spokesman representing the government and emerging forces: "I know where everyone's worries are, it is nothing more than two things: Is it risky to build a bank? Is it profitable or not? In business, let me talk to you in detail.

What is a bank? You can think of it as a money bank, so it's much easier to understand, right? Money banks accept deposits and lend money, basically as long as they have a good reputation and do not make major mistakes in their investments, they must be fat. I won't give many examples of this, not to mention far away, there is a 'permanent money village' on our tun, and I heard that it has only been ten years before it has developed.

Of course, you can't just be optimistic, how to avoid risks? There are two risks in this bank, namely reputation and investment. In terms of reputation, the bank we are going to build has the Fengtian Provincial Government as a guarantee, and my father will also take shares, which is equivalent to adding insurance to politics. If you can also join in, and have the goodwill of Yujia, I think the reputation will be far and wide.

As for the risk of investment, this is not a problem at all, because our main direction is government projects, well, areas that are guaranteed by the provincial government, such as mining, factory construction, and water conservancy facilities. In order to increase our cash flow, uh, living money, my father agreed to ask all the localities to put all the local taxes in our bank. ”

At any time, government projects are synonymous with quick money and high safety factor, provided that there are people inside. Now that Zhang Zuolin, the overseer and governor, has become a shareholder, it is a reassuring pill in itself.

"With the direction of investment, the bank makes money to a certain extent, and it is roughly estimated that for every 10,000 yuan absorbed, the annual net income can reach 500 yuan. What if you absorb 100,000 yuan? What about 1 million? Think about it, what about 10 million? How much money can be earned ultimately depends on the ability to absorb savings, that is, whether the people are willing to save money. Everyone knows that the vast majority of the peasants in Fengtian may be poor, but even if each person only contributes a little, there is such a huge base, which adds up to an astronomical amount. The most conservative estimate is that a deposit of 10 million is possible. ”

The Chinese people's ability to save has always been astonishing, and it is precisely this concept of saving money and spending money wisely that has created the glory of the Chinese nation's leadership in the world for thousands of years. Now the country is very chaotic, and neither the government nor the industrial and commercial circles can take care of the rural areas, which also makes the people's savings have nothing to preserve, and many of them are stored at home. From the point of view of economic development, it can only be regarded as a type of simple reproduction, and it is no wonder that peasant economic development is a small peasant economy. If there is a channel to collect this large amount of capital, it will definitely be a strong injection for the development of Fengtian's economy.

As for absorbing storage, Zhang Hanqing is not worried. In fact, the vast countryside has a lot to offer, and there is countless money and vitality hidden in it. In semi-feudal and semi-colonial China, the countryside was probably the only area that the great powers were reluctant to enter. Because of China's backwardness and vastness, countless peasants are scattered in the countryside, and from generation to generation they have performed the fate of relying on the sky for food or supporting their families from the fields.

How to gather these backbones of China and China's future, think in one place, and work hard in one place is a sign that China stands tall among the nations of the world. In the previous life, the Communists were like this, using the countryside to surround the city, and achieved the miracle of invincibility, and also relied on this to overthrow the "three mountains" and create China's glory.

This is also the original intention of establishing a bank for rural areas, officially named the Farmers' Fund Credit Cooperative.

Of course, Zhang Hanqing also gave them a reassurance: "According to the articles of association of this bank, you will acquire shares according to the proportion of investment, but the main body is the Fengtian Provincial Government. What does that mean? That is, all shareholders will share profits according to shares, in case, of course, this is not possible, in case the bank does not do well, you are only liquidated according to the shares, and other responsibilities are borne by the provincial government, that is, all shareholders bear limited liability---- which is the biggest difference between the bank and the bank. ”

Speaking of this, Zhang Hanqing believes that it is up to his family to make a decision. Because in this way, the risk of investment banks has been minimized, and all investors may lose only one business mistake and the capital invested, which will not hurt the muscles and bones, but have the opportunity to get rich returns. Moreover, it will strengthen its relationship with the Overseer's Office---- relying solely on in-laws will not add stamina to the family's business for sustainable development. Only by integrating into the interests of the family can it be possible to tighten the tie and consolidate the relationship between the Yu family and the Zhang family. This is an unexpected big investment---- an emotional investment.

Some people have already started to grind their fists, but no one jumped out first, after all, the stakes are big, and it is easy to say that it is difficult to break the kettle, but there are not many people who can really do it in the end.