After Wang Qiuya, who was beside Wei Bao, agreed, she asked the beautiful secretary to call someone.

Wei Bao said to Cong Gulenge: "I have already said what I mean, 28 million taels of silver is my bottom line, and I will never give in." The matter of treating your father has nothing to do with the relationship between the two families. Let's talk about these things after your father is out of danger, there are still two months before the deadline I set, so there is no hurry. ”

Although Bao Chengxian heard Cong Gulen Gege say about the 28 million taels of silver, he didn't know about the deadline, "Gege, what deadline?" ”

Bao Cheng asked Cong Gulen Gege first.

"Lord Wei said that we must reply before March, otherwise the Baojun will close the door to peace talks with Dajin Kingdom, and there will be no reconciliation in the future." Cong Gulen said gloomily.

"Honorable lord, you proposed 12 million taels of silver and two cities as treaty ports, this condition is already very harsh, the small people of Dajin are weak, and even the food for the winter is insufficient, otherwise it will not come to Liaodong in winter, where can you get 28 million taels of silver?" Bao Chengxian said: "Even if you can smash the pot and sell iron to make it up, then you won't be able to live the days after that, rather than this, it is better to fight to the end." Sir, I am Han, I hope the two families will be reconciled, this is what I say from my heart. ”

Wei Bao smiled: "I know that this price is very harsh, and it is difficult for you to agree." You have a total population of only six or seven hundred thousand, and if you have twenty-eight million taels, one person will have to take out an average of four hundred taels! Difficult for sure. ”

"Since you know, you still need so much silver, it's not sincere at all." Cong Gulen Gege gambled on the airway.

"I will use 10 million taels of silver at most, and the extra 18 million taels of silver, I promise that all of them will be used on your people, and I will do what I say!" I have already said that I want this silver, not to plunder you, but to make you lose the ability to fight again, and from now on willingly submit to my Heaven and Earth Society. Wei Bao said.

Bao Chengxian heard Wei Bao say this, and was silent.

Cong Gulenge said: "The mouth grows on you, you can say whatever you want." ”

"Have you seen the central bank of the Heaven and Earth Society? Semicolons are available everywhere, and our credibility needs no more to say. Besides, once you approve it, I will publish the pledge in the newspapers of the Heaven and Earth Society, and the people in the entire area under the rule of the Heaven and Earth Society will know about it, and all of you will know about it, can I joke with my own credibility? Wei Bao said.

Tiandihui Bank has broken away from the restrictions of money banks and ticket numbers in the past, and is a financial institution that operates currency and credit business.

Tiandihui Bank acts as a credit intermediary by issuing credit currency, managing currency circulation, adjusting the supply and demand of funds, and handling currency deposit and loan and settlement.

Banks are the main body of the modern financial industry and the hub of the national economy.

Historically, banks have developed out of the money business.

The earliest banking industry originated from the currency exchange industry in ancient Western European societies, with the Babylonian temple in 2000 BC and the Greek temple in 500 BC, which were engaged in the activities of keeping gold and silver, issuing loans, and collecting and paying interest.

In the Roman Empire in 200 B.C., money dealers and bank-like commercial institutions appeared.

The banking industry in China can be traced back to the Tang Dynasty more than 1,000 years ago, when some institutions that also engaged in silver and money appeared, such as didian, quality bank, etc.; Subsequently, there were money halls and money shops in the Song Dynasty, and money houses and money shops in the Ming Dynasty.

In the Qing Dynasty, there were ticket numbers, bills of exchange, etc.

These institutions are not yet real banks, but they already have some of the characteristics of banks.

The emergence of modern banks was in medieval Europe, first in Italy, the center of the world at that time.

The Bank of Venice, established in Italy in 1171, was the first modern bank to be established.

The Bank of Geniana, established in 1407, was an early depository bank.

Since then, a number of banks have been established one after another, mainly engaged in deposit and lending business, and most of them are usurious in nature.

The Bank of England, founded in England in 1694, was the world's first capitalist joint-stock bank.

At the end of the 18th century and the beginning of the 19th century, with the widespread establishment of capitalist relations of production and the continuous development of the capitalist commodity economy, capitalist banks were generally established.

Capitalist banks are special capitalist enterprises, and their main functions are to operate money capital, issue credit circulation instruments, and act as credit intermediaries and payment intermediaries among capitalists.

Founded in 1845 by the British in Guangzhou, Liru Bank, also known as the "Oriental Bank", was the earliest bank in China.

Founded in 1897, China International Commercial Bank was the first self-established bank in China.

In the period of imperialism, the monopoly organization of banks was formed with the continuous concentration of capital.

Bank monopoly capital and industrial monopoly capital have been fused into financial capital, and banks have evolved from simple intermediaries to omnipotent monopolies, which are not only the nerve centers controlling the national economy, but also can expand abroad through capital exports and transnational banks.

In 2011, the assets and after-tax profits of China's banking industry have increased significantly, accounting for nearly one-third of the total profits of the global banking industry.

The scale of China's banking industry is developing rapidly, but in the context of accelerated interest rate liberalization, intensified internal and external competition, and declining profit growth, banks and financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout.

Of course, Tiandihui Bank is still in the initial stage, and the liquidity management methods and countercyclical capital management methods of commercial banks are also being further discussed, which are not yet mature.

In terms of direction, these regulatory principles actively reflect the trend of new international regulatory standards.

From the perspective of strength, whether it is the setting of regulatory standards, the definition of regulatory indicators and the requirements for implementation time, they are significantly higher than the requirements of the standards of this era.

With the intensification of competition in the banking industry, Tiandihui banking financial institutions pay more and more attention to the tracking research of the industry development environment and market demand, especially the in-depth study of the banking business development environment and the changes in customer demand trends.

There is a wide variety of banking structures and forms of organization in modern capitalist countries.

According to their functions, they are divided into: central banks, commercial banks, investment banks, savings banks and various professional credit institutions.

A modern capitalist national banking system has been basically formed, with the central bank as the center, joint-stock commercial banks as the mainstay, and various types of banks coexisting.

After several reforms, Tiandihui Bank has formed a banking system with the central bank, banking regulators, policy banks, commercial banks and other financial institutions as the main body.

The central bank that Wei Bao said to Cong Gulen Gege is to formulate and implement monetary policy, prevent and resolve financial risks, maintain financial stability, and provide financial services under the leadership of the Tiandihui Government Council.

The Banking Regulatory Commission of Tiandihui is the banking regulator responsible for the supervision of local banking financial institutions. A policy bank is an institution initiated and funded by the government to carry out financing and credit activities in order to implement and cooperate with the government's specific economic policies and intentions.

Commercial banks generally refer to profit-making institutions that absorb deposits, issue loans, and engage in other intermediary business, including wholly state-owned commercial banks, joint-stock commercial banks, and urban commercial banks, as well as housing savings banks, foreign-funded banks, and joint venture banks.

Other financial institutions that make up the Tiandihui banking system include credit cooperatives, financial asset management companies, trust and investment companies, finance companies, leasing companies, etc.

Under the Tiandihui Central Bank, President Wei allowed the emergence of private credit cooperatives, financial asset management companies, trust and investment companies, finance companies, leasing companies, etc.

Although Cong Gulen Gege did not live in Weijiazhuang, Cong Gulen Gege had walked around the capital and had already seen the banks of the Heaven and Earth Society.

Qianzhuang was a kind of credit institution in early old China, mainly distributed in Nanjing, Hangzhou, Ningbo, Fuzhou and other places.

In Beijing, Tianjin, Shenyang, Jinan, Guangzhou and other places, it is called Yinhao, and its nature is the same as that of Qianzhuang.

In other places, such as Hankou, Chongqing, Chengdu, Xuzhou, etc., the money bank is called the same as the bank. In the early days, most of the money banks were sole proprietorships or partnerships. In addition to handling deposits and loans, large-scale money banks can also issue bank bills, silver money bills, and exchange currency with tickets.

Small banks, on the other hand, are only engaged in exchange business.

In 1933, the monetary unit was abolished into a yuan.

At that time, because silver taels and silver dollars were used together, there had to be a conversion rate in between.

However, the calculation is very complicated, and the conversion rate also fluctuates, just like the rise and fall of foreign exchange.

First, you need to convert one silver dollar into a gauge yuan. Guiyuan is also known as bean gauge silver, ninety-eight gauge yuan". The so-called rules do not have real money, but are only used for bookkeeping.

Corresponding to it is the two treasures of silver that were cast.

When the two seven treasures are used, they are used for nine or eight appreciation, which is the standard yuan.

For example, the ratio of the silver dollar to the standard yuan is called the foreign centi, for example, the foreign dollar is 7.225, that is, one silver dollar can be converted into seven yuan and two and a half cents.

The conversion rate of foreign centith is announced by the money industry association in the morning and afternoon every day, and the rise and fall are changed by the changes in the supply and demand of silver dollars in the market on that day.

At the end of the Qing Dynasty, banks gradually emerged and replaced money banks.

After the liberation, most of the money banks closed down. The banks that have not yet closed down in Shanghai have implemented public-private joint ventures with private banks and trust companies to form corporate joint venture banks.

In China's feudal society and semi-colonial and semi-feudal society, the long-standing pluralistic currency system and the mixed circulation of multiple currencies made currency exchange already exist in the Spring and Autumn Period and the Warring States Period.

The exchange business began to appear in the Western Han Dynasty and developed in the Tang and Song dynasties, and began to be operated by gold and silver shops and cabinet shops.

In the Yuan Dynasty and the early Ming Dynasty, the government wanted to exclusively issue paper money, and the people still used silver ingots and copper coins, silver, money, and banknotes in parallel, and a variety of public and private institutions and firms were also engaged in exchange business.

During the orthodox years of Ming Yingzong, from 1436 to 1449, the value of the Ming treasure banknotes was depreciated, the government relaxed the ban on the use of silver, and the silver coins were publicly circulated.

In the following generations, due to the large and complex private money, the weight of copper coins is different, the fineness is different, and the price difference between money, private money, and white money is large, and there are many changes, and the exchange industry is more developed.

For example, when Jiajing opened the casting furnace, there were many kinds of coins, and there were dozens of names such as gold back and spiral edge for making money alone.

Under such circumstances, there are more copper coins sold and privately minted and smelted, and a number of financial organizations specializing in the exchange of copper coins have emerged, called money shops, also known as money shops, money shops, money shops, money tables or money stalls.

In the eighth year of Jiajing, in 1529, the smuggling of copper coins was rampant, and the imperial court ordered a ban on the sale of copper coins.

As a result, money desks and money shops engaged in currency exchange business "made private agreements with each other, and each closed the money market, resulting in a sharp increase in prices."

In the fifth year of Wanli in the Ming Dynasty, in 1577, Pang Shangpeng approved the establishment of a money shop, which was the beginning of the law for the money shop.

From money shops to money banks, at the beginning, many money banks were not simply engaged in money exchange, but often concurrently engaged in other industries.

The originator of Qianzhuang is "a native of Shaoxing, Zhejiang", and legend has it that "during the Qianlong period, he opened a charcoal store in the old city of Nanshi and did a silver money exchange business"; The originator of Ningbo Qianye, known as "Fang Qi", was originally a shoemaker.

Another example is Nanjing, Jiujiang money village has "also lottery"; There are "cloth shops and operators" in Leping; In Nanchang and Yufeng, some money houses are also known as "money rice shops" because they are also engaged in the rice industry.

At the end of the Ming Dynasty, Qianzhuang has become a kind of independent financial organization, not only operating exchange, but also lending, providing the convenience of issuing posts and withdrawing money.

In addition, a number of small-scale money exchange shops and money and rice shops are quite active in rural areas.

With the development of Qianzhuang and the increase in the number of families, guild organizations of Qianzhuang appeared in various places in the Qing Dynasty.

There is usually not much difference between a bank and a silver number.

In the custom, North China and Northeast China are mostly called Yinhao, and in the middle and lower reaches of the Yangtze River and Southeast China, there are two names: Qianzhuang and Yinhao.

In Lanzhou, regardless of the size, it is called the silver number, and it is divided into three types: the store silver number, operating the silver money exchange, and the income discount; The silver account stationed in Zhuang is a unit stationed in a foreign bank, and the foreign exchange deposit business is carried out through the local silver number; Ordinary silver number, operating the deposit and exchange business, is the basic team of the local team.

Guangzhou money industry is divided into three categories: silver number, mainly lending; West number, mainly for exchange and storage of official funds; "Five heads" or "six heads" are mainly dumped silver ingots in the open furnace, which is equivalent to a silver furnace.

Due to long-term business habits, there are still many names and practices in various places.

The money village built in the Ming Dynasty continued to develop in the Qing Dynasty and the Republic of China.

In the Qing Dynasty, silver dollars, copper dollars and paper money were added in the late period, which was extended to the Republic of China, which was more complex and changeable.

There are a variety of calculations between these five types of currencies, such as fineness, variety, discount, appraisal, public assessment, exchange market and regional difference.

Therefore, in the early Qing Dynasty, the business of money banks became more and more active, in addition to the exchange business, but also the deposit of foreign exchange and custody guarantees, and the issuance of money and other bills, became the main financial institution in this period, manipulating the exchange and banking power.

During the Jiadao period, the Qing court suffered from internal and external troubles, financial difficulties, and a recession in the market.

Some money banks are speculative, and many have gone bankrupt.

During the Xianfeng period, there was a wave of bankruptcy in Beijing, Shanghai and other places, such as the day of February 15 in the third year of Xianfeng, Beijing closed down more than 200 money banks due to the run on the tide.

At the end of the Qing Dynasty and the beginning of the Republic of China, with the support of foreign banks and foreign banks, they flourished again and tended to become compradors, becoming a tool for foreign banks to enter the interior.

In the 20s of the 19th century, in the coastal areas, especially in the Wukou trading areas, the bank, the foreign bank, and the domestic bank once became a three-legged trend: as the status of the bank was gradually replaced by the bank.

After the abolition of the two yuan in 1933, there was little left of the benefits of the money bank in the silver taels, silver dollars and exchange business; Coupled with the squeeze of financial monopoly capital, the money bank became even more difficult, and it was already moribund by the Anti-Japanese War.

After the victory of the Anti-Japanese War in 1945, the money industry rekindled its hope for development.

On October 16, 1947, Yufeng and Nanjing Qian Industry initiated the inaugural meeting of the "Federation of Money Commercial Associations of the Republic of China" in Jieshoutang, Nanjing.

Soon, however, with the outbreak of the civil war, the money bank deteriorated, and in addition to credit activities in small and medium-sized cities and rural areas, it could only survive in large cities.

After liberation, the money industry was merged into a public-private partnership bank at the end of 1952.

The business operated by Qianzhuang Yinhao in various periods is very different, and as far as the Republic of China period is concerned, some are inherited from the previous dynasty.

The banker's notes are highly creditworthy, circulated in the market, like cash, and are recognized by both Chinese and foreign traders, and are called "very valuable Chinese financial documents in trade" by foreign businessmen.

The bank fills in and issues deposit receipts according to the depositor's deposit money (silver), which is bearer, and the person who recognizes the ticket can be circulated in the market; Later, it evolved into the issuance of fixed form bills, and the amount was filled in at any time and stamped; Finally, the money bank is printed into a certain amount of money or silver bills with various verification conditions, collectively referred to as bank bills, which can be used everywhere.

These are the two unique business methods of Qianzhuang Yinhao, which play an important role in the development of Qianzhuang as a means of manipulating the financial market.

The "Yangdian market" is also the market price of the silver dollar expressed in silver taels.

Commonly known as the silver dollar is foreign money or foreign money, a silver dollar is a combination of seven coins and two cents of silver or seven coins of silver and three cents, which is based on the market price, and rises and falls with the market to the cent, so it is called a centi or centi.

The interest rate of borrowing based on silver taels is called silver loan, and the interest rate calculated in silver dollars is called foreign loan.

In the money industry, it is sometimes referred to as silver or interbank.

This is the interest rate at which money banks lend money to each other, which is manipulated by the money bank trade association, or money banks or money industry associations.

In the early days of the Republic of China, the silver dollar market was gradually unified.

In 1915, the Longyang City was cancelled, and in 1919, the Yingyang City was cancelled to unify the Yangli Market, and the Yangli market fell for a long time.

After 1930, the price of cents fell sharply, and in 1933, it was stipulated that the legal conversion rate was to be seven cents and five cents of silver dollars and one dollar, and the foreign dollar market was stopped.

Money banks mostly absorb deposits from merchants and collect bills on their behalf.

A part of the government's public funds is also deposited in the bank, which is a current deposit.

The loans operated by credit lending, mortgage lending, short-term interest rate, etc.; The main objects of the loan were merchants, and a large amount of money was paid annually to various export industries, which played a positive role in promoting the development of national industry and commerce that had just emerged at that time.

In the early days of the Republic of China, the money transfer business was rapidly developed and penetrated into the mainland.

Yufeng's money bank has established a business network with money banks in Wuhan, Zhenyang, Ningshao and other places, with joint numbers and agency relationships, and penetrated into the mainland through these areas.

Under the manipulation of foreign banks and foreign banks, the port banks supported the mainland banks with funds, handled foreign exchange and transfer according to contracts, and entered and exported as much as tens of millions of taels every year, effectively controlling the mainland's finances and acting as compradors for foreign businessmen to purchase and dump raw materials and commodities in China.

The bank also deals in raw gold and silver, appraising the fineness, weight, authenticity and authenticity of gold, silver, silver dollars and various metal currencies, and verifying their prices.

Some well-capitalized bankers also attached to or controlled silver furnaces, silver houses, gold shops, and minted and bought and sold gold and silver ornaments.

Qian Zhuang not only took advantage of its special position of exchanging money left and right to manipulate the market price of silver and silver dollars for a long time, but also engaged in speculation in securities, public bonds, flower gauze, and so on.

At that time, Yufeng's money bank was mostly controlled by the Jiangsu and Zhejiang chaebols, and it had great influence in Shanghai's financial circles and had a decisive impact on the national financial market.

Its organization can be divided into two categories, according to the nature of its business and credit capacity, it can be divided into remittance and general banking.

The remittance bank is called the big peer, that is, the big money bank, and their bills can be offset against each other.

This kind of exchange bank has great power and has the strength to influence the market.

Generally, the money village is called a small peer or has not entered the park, which is divided into four grades: Yuan, Heng, Li and Zhen.

Yuanzi Qianzhuang is also known as picking and beating Qianzhuang, that is, the transliteration of picking and shouldering Qianzhuang.

Because in the past, the money was transported and sent by people, hence the name.

Hengzizhuang is called "closing the door to pick and fight", and its daily collection and release are entrusted to the transfer of the village or the agency of the Yuanzi Zhuang.

Lizizhuang is also called the exchange bank, does not do deposits, only wholesale exchange of currency and trading of gold and silver, but also do volume exchange.

Zhenzizhuang is the smallest, that is, the cigarette exchange shop, also known as the cash exchange bank, the store money village, the cigarette paper money village, specializing in another exchange business and selling cigarette paper daily groceries.

There have always been various theories about when Yufeng's money bank was created.

At the beginning, a number of money stalls appeared in Nanshi, only engaged in exchange business, because Nanshi had become a distribution center for urban and rural goods and a variety of currencies circulated and used, and then gradually fixed by money stalls to money shops.

When the army of the Taiping Heavenly Kingdom entered Suzhou and Hangzhou in the east, the merchants of the southern city moved into the concession, and the northern city was particularly prosperous, and many money villages moved north.

In the early years of Guangxu, Qianzhuang has become an industry of its own, with 105 Huihua Zhuang, 42 in the South City, and 63 in the North City.

Its trade association is located in the "inner garden", which is the head office of the money bank in the north and south cities, and is later called the money industry association, which stands side by side with the bank association and continues to the Republic of China period.

Due to the different origins of investors and managers, Qianzhuang has formed nine regional gangs in Qianzhuang, including Shaoxing Gang, Ningbo Gang, Suzhou (Dongtingshan) Gang, Songjiang Gang, Zhejiang Nanxun Gang, Zhenyang Gang, Anhui Gang and Benbang.

Among them, the Shaoxing and Ningbo gangs are the most powerful.

According to statistics in 1932, among the 64 money banks in Huangpu District, the Shaoxing Gang accounted for 51.4% and the Ningbo Gang accounted for 22.2%.

In particular, the Shaoxing Gang, when the northern ticket number prevailed, its power was able to prevent the northern ticket number force from crossing the Yangtze River.

During the period of the Republic of China, Yufeng was already the country's financial center and commercial center, and it had frequent transactions with the mainland, such as remittance, conversion, foreign currency, silver split, and ticket application, all of which were dominant, so that Yufeng's money bank used the complex and unpredictable exchange content to extract profits from it, thus monopolizing the exchange market.

Yufeng Money is the only Chinese bill recognized by foreign banks in the early days as the link between foreign and Chinese businessmen, and the banker bill is like cash.

Under the support of foreign banks' payment regulation and control and the compradors of foreign banks, he served as a comprador to open the way, and became a tool for foreign banks to penetrate into Chinese mainland.

The money bank has a close relationship with the merchants, through the deposit, release, foreign exchange, issuance of bank bills and exchange business, the merchants can finance funds, adjust positions, settle accounts, so that they can flexibly turnover, continue to operate, and communicate the financial and commercial relations between Shanghai and the mainland are particularly close, so the money bank has become an important factor in controlling the business community.

In the course of war and instability, money banks continue to speculate and resell in an attempt to make huge profits, and often in the midst of the contraction of loans by Chinese and foreign banks and the strange tightening of the bank, a trend of defaulting accounts occurs, and the merchants cannot repay the huge amounts of money owed to the bank, resulting in a large number of bad debts, thus affecting the closure of some money banks.

This situation continues to happen, and its impact is very great, such as the trend of sticking tickets, the trend of rubber, the trend of trust exchanges in the Republic of China in the past ten years, the financial trend in the Republic of China in the twenty-fourth year, and so on.

It shocked the whole country and affected all walks of life in business circles, causing many people to be deceived and suffer heavy losses.

Although Tiandihui Bank is still in the initial stage, it is still very non-standardized.

Wei Bao didn't think about the finance for the time being, and it was enough to stabilize the areas directly under the rule of the Heaven and Earth Society.

In fact, if you want to play financial warfare, it is not impossible to compete with Jin merchants in a broader region.

Wei Bao didn't want to do that, because if he did that, only the people would suffer.

"Even if what you say is true, we can't make the decision, first cure my father Khan's illness, and other things, we can only let my father Khan get better of his own illness, and his old man will make his own decisions." Cong Gulenge said: "You let Lang Zhong, who is seeing a patient, and the messenger of negotiation go back with us, let your people say these words to my father Khan, and I will not relay them." ”

Wei Bao smiled, she could understand Cong Gulen Gege's difficulties, Cong Gulen Gege was sandwiched between the two major forces, and she was already in a dilemma.

"Yes, seeing a doctor for your father Khan has nothing to do with peace. But I'm still going to get the word up front! You have thought about it for people to see, and we Lang Zhong have only seen a doctor for Nurhachi, no matter whether it is cured well or not, it is not a matter of heaven and earth, and it cannot be difficult to be a doctor. Wei Bao said: "When Nurhachi's condition improves, let him send someone to invite our peace personnel." I will ask the peace team to wait at the barracks outside the city of Uiju. ”

"Also, you're going to evacuate the barracks outside Uiju now! You can't keep anyone, this is what my father Khan clearly proposed, and you must first show sincerity. "Cong Gulen Ge said.

"I can show sincerity, but I can't withdraw it all, I can't just say whatever you say, leave a battalion of 500 people. You have nearly 5,000 soldiers and horses in Yiju City, so you won't be afraid of our 500 men. Wei Bao smiled: "Besides, everyone has withdrawn, where are my peace personnel." ”

"The peacemakers can accompany Lang Zhong and return to Yiju City with us." Cong Gulenge said: "Since you are willing to withdraw the soldiers and horses, what are you doing with a few hundred people, isn't it disgusting?" ”

Bao Chengxian agreed with Wei Bao's opinion, but Bao Chengxian stood on the position of Jin Guo, and it was impossible to speak at this time.

Wei Bao smiled helplessly: "I'm not your teacher, I can't teach you everything." I'm doing that, and it's good for both. Lang Zhong treats your father, and don't use the name of my Heaven and Earth Society, I don't need you to accept my affection. ”