What Shen Xi put forward is not only the concept of an ordinary bank, but also similar to a fully functional "bank", relying on and guaranteeing the chamber of commerce, making the silver number into an institution for depositing money and lending, and making profits by making money through wealth.

Shen Xi knows very well that no matter what industry he operates, it is not as fast as making money as a silver number.

If you want to complete the expansion of capital, you must have the courage to innovate, as long as the silver number can be done, let alone Tingzhou Mansion, the whole tomorrow will have a foothold.

Hui Niang is a far-sighted woman, and after hearing Shen Xi's idea, she quickly figured out the benefits contained in it.

It's a good concept to save money for merchants and avoid them carrying a lot of money on their way to business. The Chamber of Commerce will receive merchants every day, these people are most afraid of the inconvenience of carrying silver money on weekdays, and they can't wait to receive silver taels for every single business, but they often receive hundreds of thousands of taels, and they want to bring this money back safely, which makes them quite a headache.

Once you have a bank, you can avoid all kinds of troubles on the way, so that the businessman is more secure in doing business.

More importantly, because of the existence of the silver number, the dependence of these merchants on the Chamber of Commerce has increased invisibly, and they will be more willing to do business with the Chamber of Commerce.

After thinking about it, Hui Niang shook her head: "Xiaolang, it's not that my aunt doesn't support you this time." Your idea is very good, we are now in control of the Chamber of Commerce, and it is indeed the best time to set up a silver number, but the question is...... This silver trumpet requires a lot of money, and if we are not careful, we may face all kinds of troubles, and we are afraid that we will not be able to deal with it, right? ”

Shen Xi smiled: "Auntie, are you worried about investment risks?" ”

Although Hui Niang didn't understand what "investment risk" was, she thought about it, vaguely figured it out, and nodded: "Sort of!" ”

"Then why don't you unite with the people in the Chamber of Commerce who are willing to pay to complete the formation of the silver number?" Shen Xi continued to elaborate his point of view, "My aunt and my mother do business, and they can give my mother dividends, so let's cooperate with Yang's Pharmacy in the form of shareholding." Then let's set up a silver number, why can't we use this way? ”

"In fact, the silver number mainly relies on money to make money, and the capital is not too practical. I estimate that at first, we will make the business a little smaller, and we only need to pay three or four thousand taels of silver in total, and you only need to occupy a relatively safe stake in the silver number. You don't have to be more than fifty percent, anyway, you are the big boss of the Chamber of Commerce, and you are ultimately in charge of this silver number. ”

Zhou sighed: "Three or four thousand taels of silver!?" This investment is not small, sister, can you take so much money out at once? ”

Hui Niang shook her head and looked at Zhou: "If you have the strength of your sister alone." Naturally, no, I may need your sister's help. ”

Zhou waved his hand: "My money is placed in my sister's place, my sister needs to use it for nothing, what can I rely on when I turn around...... Silver, make money, just remember to share my part. ”

Shen Xi originally estimated the asset capacity of the two families before proposing this way of share cooperation, but even if he could really come up with this silver at one time, Shen Xi still did not support it.

Because at the beginning of the establishment of the silver number, there is still a certain risk, and it is necessary to consider whether the people and merchants agree. There is also the proportion of bad debts and bad debts. However, if the borrower borrows too much money and encounters a run, the lack of money may lead to the bankruptcy of the bank.

This is not enough to rely on Hui Niang's financial resources alone, it is best to let Hui Niang cooperate with the merchants in the Chamber of Commerce to open a silver account, in proportion. can let Hui Niang occupy fifty percent, so that even if there is anything in the future, Hui Niang cannot be the president of the Chamber of Commerce, and she can still be the person in charge of the silver trumpet.

"Auntie. Mother, we don't have to pay three or four thousand taels at a time, one thousand and five hundred taels out, I think it's about the same, and the rest of the money will wait for the meeting of the Fifth Chamber of Commerce, and my aunt will discuss the matter with those people. Ask for their opinions, put down the share, take ten taels of silver as a share, and decide how much they want to buy. At the end of the shareholding, you will sign the equity book, and each company will pay dividends in the future according to the existing shares. ”

Shen Xi integrates the ideas of many modern companies, "If the silver number is expanded in the future, the shares can be expanded, so that the original shares will be diluted, and the amount of dividends is not determined by the amount of profit, but to deduct the needs of the development of the silver number first, leave enough money, and then distribute the rest of the money according to the proportion." ”

No matter how enlightened and intelligent Hui Niang is, she can't remember all of Shen Xi's words for a while, and there are many concepts that she has never heard of.

Hui Niang interrupted Shen Xi's words: "I can't remember what you said, so I'd better write it down with a pen and paper, be as detailed as possible, and I'll think about it myself at night." ”

Shen Xi smiled and nodded, because he was sick, and he didn't need to do a lot of things, so naturally someone brought paper and pen, and studied the ink, and finally sent the brush to him.

Shen Xi picked up the pen and wrote down all the ideas he had said before about the establishment of a silver account, which not only involved how to establish a bank by way of equity participation, but also included the development plan for one to two years after its establishment, including the profit model, and some difficult handling models that may be faced.

I wrote two pages, and I just got started.

Every time she finished writing one, Hui Niang would pick it up and read it carefully, but before she could figure it out, Shen Xi wrote another one.

"Bastard, how do you write so much? You're not going to let your aunt sleep at night? Zhou scolded on the side.

Hui Niang shook her head and smiled bitterly: "Sister, don't blame Xiaolang, I asked him to write as clearly as possible." ”

Shen Xi didn't reply, he knew that only by writing his idea clearly could this silver horn be accepted by the people in the Chamber of Commerce. Once Hui Niang raised it in the meeting, in the face of everyone's doubts, Hui Niang must show the spirit of tongue warfare and convince everyone with real materials. And these things need to be prepared by Shen Xi in advance.

Shen Xi wrote a total of fifteen pages, almost 3,000 words, before he finished stating the many details of the establishment of the silver trumpet.

"Auntie, if there is anything you don't understand, you can ask me when you go back."

Shen Xi glanced at Hui Niang, in fact, he wanted to remind Hui Niang: If you have any questions, you can discuss with me at night.

Hui Niang immediately realized that she couldn't understand many details by herself.

"Sister, Xiaolang's illness is not over yet, continue to leave him here to sleep today, this small building is warm and suitable for recuperation." Hui Niang asked for Zhou's opinion.

"What's so embarrassing?"

Zhou was naturally willing to hear it.

Originally, Shen Xi had lived in the pharmacy for so long, and she pondered that she should let her son go back to live. But the two sides of the house are ventilated, and even if the quilt is tightly covered at night, it is very cold, in order to keep his son from freezing when he comes home, Zhou also specially asked Shen Mingjun to plug the window, but in the end, it is an old house, and it is a papier-mâché window, and it is difficult to think of the wind.

Hui Niang smiled and said a warm word to Zhou, and it didn't take long for Zhou to take Lin Dai back to sleep. Lin Dai wanted to stay, but was dragged downstairs by Zhou.

After the Zhou family left, Lu Xi'er was also driven to the next room by Hui Niang, on the grounds that Shen Xi could not be delayed to recuperate. Xiao Nizi was about to make a fuss as soon as her mouth was flattened, but she was severely reprimanded by Hui Niang, and she was so frightened that she quickly hid in the quilt and didn't come out again.

Hui Niang turned back to help Shen Xi clean up the futon, as virtuous as a little wife.

"Xiaolang, I have to figure out all these things you wrote, and I may have to worry you a lot about them." Hui Niang was a little apologetic in her words.

"It's okay, aunt, I'm sick, you treat me like a son, and you should do this." Shen Xi sat at the head of the bed, his heart was warm, and he enjoyed the feeling of being relied on by Hui Niang.

Hui Niang took out the preparation details of the silver number written by Shen Xi before, but if there was anything she didn't understand, she asked Shen Xi to understand everything.

In fact, in the preparation of the silver number, it mainly involves the issue of share division and share expansion, which cannot be understood by Hui Niang's insight.

“…… Auntie, let's put it this way. At the beginning of the bank's establishment, it was three thousand taels of silver, and according to ten taels of silver per share, that was three hundred shares. The profits earned are divided into 300 shares, after deducting the needs of development, and whoever owns a few shares will share as much as they want. ”

Shen Xi explained carefully, "But after the share expansion, for example, if the shares are expanded by 100 shares, it is an extra 1,000 taels of silver, and the total assets of the silver number reach 4,000 taels of silver, and the profit dividend will be divided into 400 shares." However, because of the expansion of silver shares and more abundant assets, the income of each share must be higher than before, and the shareholders who hold shares below will not lose anything, but will make their shares more valuable. ”

"Originally, a share was worth ten taels of silver, but if we have a year's revenue, we can make him ten taels of silver into twenty taels, and after others hear about it, they naturally want to make money by investing in shares, if he is short of money, he can sell the shares on hand, and one share can even be sold for thirty taels or forty taels."

"The bigger we do, the higher the value of each share, and once the share is expanded, it will be beneficial to all shareholders and will not encounter resistance. When my aunt has a meeting tomorrow, she has to explain things clearly. ”

Hui Niang finally sorted out this detail, which was also the most headache for her in the creation of the silver number, she had been thinking about it before, but she couldn't figure it out.

"Xiaolang, how can you be so clear about such a complicated matter?" Hui Niang said with a sudden smile and emotion.

"Because I'm a messenger sent by heaven to protect my aunt, if you don't even understand me, then who will explain it to you?" Shen Xi said with a grin, his face full of pride.

"Okay, good, you have the ability, my aunt has to rely on you for everything, it should be done, right?"

Hui Niang smiled and helped Shen Xi make the bed, and when she heard the fourth watch ringing outside, she was shocked: "Oh, it's so late, patronizing to ask you, delaying your rest...... Come, aunt will help you fetch water to wipe your face and feet. ”

Soon, Hui Niang brought hot water in a wooden basin, in addition to helping Shen Xi wipe his body, but also helping him wash his feet, which was Shen Xi's most enjoyable moment.

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