In June of the sixth year of Xingqian, it was the summer of Fuxia.

In the Tianjin branch of Fidelity Bank, a young man dressed in gray came, and as soon as he entered the bank, he asked to meet with the manager.

This small man was about twenty-five or sixteen years old, and although he looked young, the look in his eyes was extremely shrewd.

"Excuse me, is Mr. Qi Zitao Qi here?"

As he spoke, he looked at the bank from time to time, Fidelity Bank was the most well-known bank in the north, at least one of them.

"Who are you?"

The young man at the front desk glanced at this person, what is the matter with this person looking for the manager?

"I'm Li Kunshan."

"Did you bring a name sticker?"

"Ah, the name sticker."

Hearing the other party's question, he touched his pocket and then took out a name sticker.

Li Kunshan, maybe this name is not very conspicuous in Daming, but it is also quite famous in Tianjin, but this fame can be said to be mixed.

Three years ago, after graduating from Qinghe Academy, he invested in the establishment of the first yarn factory in Tianjin, but because the Haihe River will freeze every winter, the water power can not be used all year round, even if the wind power is changed to use in winter, but also because the wind power is large and sometimes small affects production, resulting in its yarn factory since it was put into operation, it can only start work for more than half a year every year, which is also the reason for the loss of the yarn factory.

But even so, he still has no idea of moving the mills to Jiangnan, where many of the rivers will not freeze, at least not thickly. As a direct result, Li Kunshan had to borrow money to maintain the factory, and he was a celebrity in Tianjin's banking industry because he owed the bank a lot of money.

The person at the front desk looked at his name sticker, and then took the name sticker to report to him. But after a while, he came out and said to him,

"Because you don't have an appointment, the manager can't meet you, and the manager is about to go out, very complaining, the manager doesn't have time to see you today, but the manager told you to make another appointment!"

Seeing that he was rejected, Li Kunshan couldn't help but be a little disappointed, but when he heard that Qi Zitao was about to go out, he ignited the hope in his heart, if he wanted to go out, he could do that, he asked the person at the front desk.

"So will he be passing by here?"

Seeing that this person wanted to "block" the manager here, the young man at the front desk showed a hint of displeasure in his eyes, but he still nodded.

"Then let me wait here for a while."

Li Kunshan said that, and sat directly on the chair on the side. Legs cocked,.

After a while, Qi Zitao, accompanied by his secretary, came to the corridor and prepared to go out, and he couldn't help but be taken aback when he saw Li Kunshan here.

"Huh? …… Factory Master Li, are you still waiting here? Isn't there something going on? ”

Of course, Qi Zitao knew that Li Kunshan's purpose for coming here was definitely to take out a loan. In Tianjin's banking circles, everyone knows that Li Kunshan is a difficult person to deal with, and even under the report that he owes the bank 50,000 taels of silver, no bank is still willing to force the debt. Because Li Kunshan once said, "If the factory goes bankrupt, it won't be able to recover a penny at that time, and the bank will suffer the most", which is so direct that it can even be said that there is a bit of a threat. Because of this, there are now several banks, instead of forcing him to borrow, but occasionally offering him some loans to tide him over, and of course these new banks need a repayment guarantee.

Because of this, for Qi Zitao, it is better not to see this Li Kunshan, otherwise, he will not let people return to the other party, but he never thought that this guy would actually sit here and wait.

"Hello, Manager Qi."

Qi Zitao's surprise was exactly the effect that Li Kunshan wanted.

Qi Zitao's banking industry in Tianjin is known as the "God of Wealth". Not only because Fidelity Bank is now the largest bank in the north, but more importantly, because it belongs to the treasury of the three feudal states in Nanyang, and tens of millions of funds flow every year, which is enough to make it proud of the northern banking world, and even the four major banks in the south of the Yangtze River are not weak.

However, now it is known that Fidelity Bank has once again fallen into a bottleneck period of development, perhaps he is the largest bank in the north, but the power of capital lies in circulation, with the financial stability of the Nanyang countries, Fidelity's life has become difficult, after all, the financial stability of the Nanyang countries, which means that they no longer need a large number of loans, and this directly leads to the shrinkage of Fidelity's business in the Nanyang.

And this is also the reason why Qi Zitao has been trying to insert his hand into the Northeast recently, compared with other banks, the low-interest loans provided by the Northeast to new immigrants every year are millions of taels of low-interest loans, which are guaranteed by the imperial court, but this business has always been thought to be controlled by Jiangnan banks such as Daming Bank and Jianghuai Bank.

Perhaps the Xingqian Dynasty has zero tolerance for corruption, but there are policies at the top and countermeasures at the bottom, and in the face of the pervasive investigation commissioner, the business community has long figured out how to circumvent the law and pay bribes. The collusion between officials and businessmen has existed since ancient times, even in the Xingqian Dynasty.

"Manager Qi, I'm coming down to look for you, I have something to discuss with you."

Li Kunshan looked extremely direct, and seeing that Qi Zitao seemed to be a little impatient, he deliberately lowered his voice and said.

"Give me half an hour, I promise you won't regret it, and it will also help your bank's business in the Northeast!"

"Oh?"

Looking at each other in surprise, Qi Zitao looked at Li Kunshan with some interest, Northeast, half an hour. After hesitating for a moment, he looked at his pocket watch, and then he said,

"Then give you half an hour!"

Qi Zitao then ordered someone to introduce Li Kunshan into the reception room, not his office, and after they entered the reception room, someone poured them a pot of tea.

After sitting opposite each other, Qi Zitao immediately said,

"Factory Master Li, you have half an hour!"

As Tianjin's "Little God of Wealth", Qi Zitao has enough status to speak like this.

"Owner Li, if it's a loan, I'll repeat what I said before, Fidelity is responsible for the depositors, and will not provide you with a penny loan, please don't open your mouth at this point."

Qi Zitao repeated his opinion. Originally, he was extremely disgusted with a "non-pragmatic" person like Li Kunshan, and he tied up the bank with loans, so that several small banks had to transfuse blood for him little by little to avoid the bankruptcy of his factory, this kind of behavior was even more shameless in his opinion, and naturally he could not have any good impression of him. It is precisely because of this that he has repeatedly rejected Li Kunshan's request for loans.

"Manager Qi is also a graduate of Qinghe Academy!"

Li Kunshan was not annoyed, but said with a smile.

"Me too."

In fact, Li Kunshan's experience is quite dramatic, he was originally a local scholar in Tianjin, when he tried to go south, he "encountered" Li Ziyuan's "Tang Rebellion" in Henan, and then became a scribe in the army, and then went to Beijing. When he was in Beijing, he had tried his best to prepare for the imperial examination that Li Cheng was going to open, but who would have thought that before the exam, Li Tang would perish, and then Li Kunshan would go home directly. After that, he went south again and was admitted to Qinghe Academy, and after graduating, he did not take the civil service examination, but chose to set up a factory, and ran for the establishment of a factory like Jiangnan in Beizhili, not only took the lead in setting up a factory, but also was very interested in almost all industries.

It's just that the weather in the north directly limits his ambitions. Not only did the factory he founded make little profit, but it even fell into bankruptcy. Even the reputation has become extremely unbearable.

Compared with him, Qi Zitao, as the third young master of the Qi family, is undoubtedly the dragon and phoenix among the people, after graduating from Qinghe Academy, he entered his own Fidelity Bank, and then presided over the Tianjin branch.

One success, one failure.

Both of them graduated from Qinghe Academy, although they did not know each other when they were in the academy.

"The younger brother is two classes later than the senior."

In fact, Qi Zitao was reluctant to talk about the academy, after all, the other party was his senior, even if he hadn't seen it, he was also a senior, and he had to respect the other party, which was a courtesy.

"Oh, then the senior won't beat around the bush today!"

Half an hour is not what Li Kunshan needs, he knows that half an hour cannot convince Qi Zitao, if he can't convince the other party within half an hour, and Qi Zitao still insists on his point of view, in the end, I am afraid it will be in vain.

"Hmm...... Please speak up! ”

Seeing that the other party was using his identity as a senior to press himself, Qi Zitao's heart was disgusted, but he could only nod yes.

Li Kunshan didn't seem to see the other party's expression.

"Have you ever been to my factory?"

"Been there!"

"When you were in Gangnam, did you ever go to the factory in Gangnam? Have you ever seen how the factories there are produced? ”

What did he want to say?

Qi Zitao nodded.

"After seeing the factories in Jiangnan with your own eyes, do you think that if Beizhili can't set up similar yarn factories and cloth factories, do we still have a future? Soon, in a few years, all the northern farmers will be wearing Jiangnan yarn and Jiangnan clothes, do you think I am alarmist? Now is not the past, now how much is the freight to transport a shipload of yarn from Jiangnan to Tianjin by sea? What is the price of yarn in Tianjin now? How much is homespun yarn? How much is machine yarn? ……”

Li Kunshan has always had a stubborn point of view in his heart, and he has always persuaded others like this.

“…… In the long run, the north without factories will only get poorer and poorer, if we change our minds, how do we deal with the villagers? ”

As a bank manager, Qi Zitao naturally has a certain understanding of this, but he will not be swayed by Li Kunshan's persuasion, because he knows that the north has its shortcomings.

"You can't set up a factory in the north!"

Again, Qi Zitao said directly with understanding.

"What if I say yes? And it can also be produced in winter! ”