During the chat, Huang Yousheng talked about the rules of ticket numbers, which also gave the newcomers Li Jingyi and Zaiying a preliminary idea of the banking industry.

For the banking industry, the first thing is to select people, that is, to recruit apprentices, generally to the same township as the best, please come to the bank to recruit Anhui He' Fei' people, important positions are He' Fei' people, and some Huang Yousheng from his hometown Hangzhou to dig Zhejiang people. Needless to say, the anti-theft facilities are not to mention that Li Guolou was born in a fast hunt, and the decoration and layout of the bank are borrowed from the characteristics of foreign banks, which is more prominent than the money village in the past. For example, the height between the customer and the cashier is no longer a head higher than the customer's floor, with a feeling of being on top, but talking to the customer from an equal perspective and doing a 'transaction' between the two banks. The hall is also bright and spacious, and it feels like it is doing a fair business.

At this time, big businessmen pay attention to **, like to do "private" under the "transaction", please come in the bank also set up several different sizes of reception rooms, to protect the legitimate needs of businessmen.

The apprentices of the bank must first practice "sitting gong", and the rules passed down from the ticket number are strict and almost harsh on every apprentice, including the manager. For example, for the next three months, you are not allowed to leave the bank residence, you are not allowed to drink 'flower' wine, you are not allowed to **, and you are not allowed to borrow usury. Stay in the bank all day to practice counting silver tickets, making silver ingots, and stringing copper coins. Only those who can endure the boring and boring apprenticeship can be officially hired.

Because of the relationship between the industry, the ticket number industry is full of mysterious 'color' color, outsiders don't know how to 'operate', and the production of silver ticket paper and secret notes are kept secret. Therefore, from the beginning of the Ming Dynasty to the Qing Dynasty in hundreds of years of Chinese history, it is the big businessmen who have stepped into this industry, and the state has not yet carried out a unified plan for this industry. However, due to the limitation of power, the ticket numbers and money houses in various places can only be settled in a corner, and none of them can be opened all over the Qing Dynasty. The bill number and the regulations of the foreign bank stipulate that the interest on the loan shall not exceed three cents per month, and the interest shall be calculated on a monthly basis. For a few days of the month, one point will also be added.

From Huang Yousheng's mouth, the main risk of all the processes of the ticket number is the occurrence of bad debts, also known as dead debts. If there are too many dead debts and the capital turnover is not effective, there is a danger of bankruptcy.

Because the princes, ministers and local officials became rich by doing black yarn business, they sold official hats by donating money, but many of them bought them by borrowing. There are many ways to borrow, some borrow from 'private' people, some borrow from ticket numbers and money banks, and they then recover the cost and interest. The interest on the borrowed money is high and it is often repaid double. There is also a great risk, in many cases, the ticket number, the money bank according to the size of the official hat to borrow, or even overrun the loan, can not recover the cost. There is also insolvency, the money lent out, the bankruptcy of the business, and the death of the debt. In addition, there are property disputes caused by the sudden death or absconding of the creditor, which will also 'ripple' the ticket number and the money bank's lending business.

At this time, a kind of "banker bill" circulated in the Qing Dynasty, which was recognized by both Chinese and foreign traders for its outstanding credit and circulated in the market, like cash, and was called "a very valuable Chinese financial document in trade" by foreign businessmen. The bank fills out the deposit receipt according to the depositor's deposit money (silver), which is anonymous, 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 prints a certain amount of money or silver bills with various verification conditions, collectively referred to as "bank bills", which can be used in various places. These are the two unique business methods of the ticket number and the bank, which play an important role in the development of the bank as a means of "manipulating" the financial market. In the case of foreign dollars, the "Yangdian market" is also the market price of the silver dollar expressed in silver taels (based on the Mexican eagle and foreign dollar). 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 the money bank interbank lends money to each other, which is 'operated' by the "Money Bank Trade Association". Ticket numbers and money banks mostly absorb deposits from merchants and collect bills on their behalf. Some of the government funds are also deposited in foreign banks, and they are all current deposits. The operating loans are credit loans, mortgage loans, short-term interest loans, 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.

The banker also deals in raw gold and silver, identifies the color, weight, and authenticity of gold, silver, silver dollars, and various metal currencies, and verifies their prices. Some well-capitalized bankers (e.g., Wanjia Ticket Number) also attached to or controlled silver furnaces, silver houses, gold shops, and minted and bought and sold gold and silver ornaments. The ticket number and money bank not only take advantage of their special status of left and right exchange, but also control the "trade" of silver and silver dollars by the "Money Bank Association" for a long time, and control the "trade" of silver coins in the circulation field.

Huang Yousheng talked a lot about the "Money Bank Association", talked about the general rules of the banking industry in the market, and sometimes others 'interjected' to ask, and the general meeting of shareholders continued to meet while eating a working lunch, and everyone seized the time to discuss the "gains and losses" of the rules of the banking industry.

Li Guolou ate quickly, the first to finish eating, took the wet 'hairy' towel, wiped his lips, and said: "We invited us to the bank to say that it is a historical precedent, and it can also be said that we have eaten the last bite of 'fat' and 'meat'." When we set up the invited bank into a behemoth, those champions and celebrities in the court will understand that state-owned banks will also be on the agenda. Of course, before we did not succeed and made achievements, those scholars in the court did not dare to go through this transaction, as the so-called ancestral rules can not be broken, so we invited the purpose of the bank is to quickly occupy market share, the first year target was originally set at 6, and now the initial set of 30, the overall planning is the most important, the arrangement can be rolled out properly, the arrangement is not good, with the scale, no one 'operates' is also in vain. Talent is discovered, cultivated, we invite into the bank to employ, not to look at qualifications, but to see people's ability. We have 100% trust in General Manager Huang, and believe that General Manager Huang can bring the invited bank on the right track and develop into the largest private bank in the Qing Dynasty. ”

The people present bowed their heads in praise of Huang Yousheng, believing that he could make a lot of money by inviting him into the bank. And Huang Yousheng is not ashamed, with a gentlemanly demeanor, agreeing with Li Guolou's statement. What did he have to worry about? The principal is provided, and the business is planned and laid out by Li Guolou. There are also two gold-lettered signboards of Prince Gong and Li Zhongtang, who dares not to give him face, making money is inevitable. The only thing to worry about is when will the imperial court set up its own state-owned banks? If the initial goal can be achieved next year, a British Concession 'flower' garden house will be like a bag to get something.

What Huang Yousheng wants to do most is to crush Hu Xueyan's "Fukang Qianzhuang", which is also the reason why he left his senior brother Hu Xueyan without hesitation and came to invite him to the bank as the general manager.

At this time, the social atmosphere is from the beginning, and it is rare to jump out of the nest, and it is very rare to find business competitors to do the same industry. Huang Yousheng's reputation in the ticket number and money village has been widely spread and notorious. and Yelia as the chairman of the bank, these two events have caused an uproar in the same industry. Many people in the same industry are waiting to see the day when the bank will fall. The so-called "door" is easy, out of the "door" difficult, set foot in the banking industry, please come in the bank when the bank opens, peers begin to send "flowers" baskets, go to the "door" to congratulate, a little heart. Secretly peers can stumble and discredit the reputation of the bank that brought in them.

Li Guolou continued to chatter, and finally talked about the matter of the post and telecommunications bureau with Sheng Huaixuan, nodded to his uncle Li Jingyi, and said: "Third uncle, look down on our brothers, let us set up a bank to invite in, and let Sheng Huaixuan establish the Daqing Post and Telecommunications Administration in Shanghai, and in the future, our banking industry and the post and telecommunications bureau will work together." The business of remittance by telegraph has been rapidly launched and will penetrate into the Mainland. For example, the Bank of Shanghai has established a business network with banks in Wuhan, Zhenyang, Ningshao and other places, and has joint numbers and agency relationships, and has penetrated into the mainland through these areas. The concession ports are being "operated" by inviting incoming banks to support mainland banks with funds. According to the contract, the annual import and export will reach 10 million taels of silver, effectively controlling the mainland's finances and acting as a comprador for foreign businessmen to purchase and dump raw materials and commodities in China. This money-making 'door' road in hand will open another window for our foreign trade, and the domestic economy is also controlled by the banks we have invited in, and foreign trade is also firmly controlled. Jingyi, (because they are about the same age, they are all called by their names.) The personnel of the Shanghai General Administration of Customs also have to be controlled, and I think my brother-in-law can do it. ”

Li Jingyi nodded and said: "Well, I know, but this matter can't be '', it will take about two or three years before it can be nationalized." Guoxi, you go to the chief secretary office first, train the relevant personnel of the General Administration of Customs, and my brother will also be listed in the General Administration of Customs, but he will still go to Guangdong to become a magistrate in the future. The affairs of the General Administration of Customs, Brother Tan, are still up to you. ”

"Then I'll thank Jingyi for mentioning it first, and I will definitely do my best in the future." Tan Guoxi was ecstatic in his heart, he was also going to be an official, although the position of the director of customs was not his turn, but after becoming a secretary, he had someone under him, and he had the power in his hands, at least he could get the title of a seven-grade official, and he would also become a red-top businessman like Sheng Huaixuan. I couldn't help but look at Li Guoyun, who was disabled, only this brother-in-law in the family had no official title, and he didn't have the same fate, Li Guoyun could only 'mix' the business world, and he didn't have much development prospect.

Li Guoyun was also a little disappointed in his heart, but he quickly adjusted his mentality, and what he said about "Yadong Textile Factory" was just an illusion. The textile industry seems to be full of flowers, as if the national rejuvenation of the Qing Dynasty began with the textile industry, but this industry is large-scale, large output, only to have the ability to compete, to make money. The scale of investment in the textile industry will continue to increase the scale of funds, and it takes at least five or six years of large-scale investment to make Yadong Textile Mill develop well, which requires a huge amount of money from the bank to maintain the normal operation of Yadong Textile Factory, and the so-called national industrial revitalization is still a road full of hardships and thorns. Li Guoyun and Li Guolou started the banking industry so quickly, and they were also 'forced' into a desperate situation by the business of Yadong Textile Factory. This time, again, you are either a human being, or you have nothing. How did outsiders know that the two brothers had evil intentions? Behind a business that is sure to make money and not lose money, there is another 'yin' scheme.

Li Guoyun smiled and said: "You are all officials, I am an authentic businessman, on the tenth day of the first month of next month, we will have another meeting in Tianjin. ”

On May 10th, Tianjin invited the bank to officially open for business, and people with heads and faces will go, and those here are excited to look forward to that day when they don't go on such a big day.

During the conversation, they began to discuss the details of the banking industry, these red tape said, there was no bottom, Huang Yousheng wrote his own records, and there were also his secretary's records next to them. A shareholder meeting ended at 6 p.m., and finally a formal dinner was served.

Bao did the landlord's etiquette, full of plates and bowls on two tables of banquets, Yesenia was like a French noblewoman, entertaining guests, with decent etiquette. From beginning to end, he never saw his son Bao Quanzhong.

Li Guolou couldn't help but sigh in his heart, Bao Tong has a new love, Yesenia, and he doesn't even want his son, please come to the bank, Bao Tong has hidden it from his son Bao Quanzhong so far.

Li Guolou couldn't help but look at Yelia's slightly bulging belly, and then glanced at Zhen 'Yu' Huan, who hooked Yelia's arm and spoke, the two 'milk' and 'milk' were so good, and the banquet was full of the voices of Yelia, Zhen 'Yu' Huan, Yesenia, and the three 'women'. How will his family change in the future? So many 'women' are all 'selfish', and now they are so good that they sleep next to him, regard him as their backbone, and are willing to take out money to support his career. What about the future? When he has more than enough heart and insufficient strength, the nine 'milks' and 'milk' will dislike him and only think about their own sons and daughters.

Li Guolou was thinking in his heart: Why are you marrying so many 'women', knocking on the bones and sucking the marrow of the white bone 'essence'. Teach them to be self-reliant, go out of the wall early, and send them out of the 'door'.

"Mike, what are you thinking?" Zhen 'jade' squinted at Li Guolou, who was distracted, was a little dissatisfied, on the day of the big day, how could there be a reason to drink alone.

"Oh······ Well, I'm thinking about meeting the emperor, I don't know if I, a 'flower' man, is likely to be a bookkeeper in the Hanlin Academy, teaching those Jinshi to read, I can't get a damn about it. Li Guolou lied cleverly, and the people on the scene didn't see that Li Guolou was lying again.

Everyone present expressed their satisfaction with Li Guolou, praising him for his courage and 'spirit' of "daring to be the first in the world", and the tricks he came up with were not difficult to implement, and the 'operation' was also very easy. Li Guolou couldn't help but be overjoyed in the praise of everyone, a little carried away, and was persuaded by everyone to drink in turn, and left the Baotong mansion in a daze.

Before leaving, Li Guolou pointed at everyone and shouted: "I tell you, don't be greedy, that's it." Don't want to annex other people's shares, people die empty, you are happiest when you have friends, are you happy with my friend? ”

"Happy! Exploring the 'flower' Lang is the best friend. "Let's go, you're good!" "Xiaolou, let's go out together next time. I'll take your whole family to the Taiye Pool for rowing. ”

Everyone was holding Li Guolou, and at this time they had not seen the silver of the white 'flower' and 'flower' in their hands, they were content with the status quo and obeyed Li Guolou's command dutifully. In June next year, when the dividends are distributed, they will calculate the shares in other people's hands, when will they be able to become their own pockets? The human heart is never satisfied.