Wu Shouye said that because the scale of Fukang Qianzhuang is too large and they do not pay attention to controlling risks, they have released too many bad debts in the past, and many of them cannot be recovered, and Fukang Qianzhuang is still borrowing funds from foreign-funded banks like other money-banks, and now the accounts they have released cannot be recovered, but the money of foreign-funded banks has to be repaid, and if Fukang Qianzhuang is bailed out, it is tantamount to paying off huge debts for Fukang Qianzhuang. Pen % fun % Pavilion www.biquge.info

Zhu Jinglun told Wu Shouye that Guangfu Bank went to Shanghai not to bail out a certain bank, but to rectify the entire financial industry, and it was precisely because of the large scale of Fukang Bank and the large debts of Fukang Bank that bailing out Fukang Bank was the best breakthrough.

The scale is large, it is eye-catching, it attracts attention, and at this time, the rescue of Fukang Qianzhuang will give everyone confidence, and everyone will see that even Fukang Qianzhuang is so big that it has come to life, and it will restore confidence in the market again. As long as the run has passed, Fukang Qianzhuang can continue to operate, and it will do better than the previous business.

Zhu Jinglun's reasoning also has some truth, and Wu Shouye is not a civil official, so he has no sense of fighting against the imperial power, so he decided to start with Hu Xueyan's Fukang Qianzhuang.

Saving Fukang Qianzhuang is to save Hu Xueyan, because although Hu Xueyan's business is very big, the way of operation is still very traditional, that is, all industries are owned by him alone, and they are all unlimited responsibilities.

This is completely different from the business mode of the Japanese chaebols, in order to avoid risks, the chaebols have adopted the transformation of their own industries through the transformation of joint-stock companies, all of which bear risks with capital, and the bankruptcy of any industry will not affect other industries, which is also a reason why the Japanese chaebol can endure for a long time.

Hu Xueyan is not unaware of the shareholding system, because a very important reason why Shanghai's current economic crisis is so serious is that Shanghai has set off a joint-stock company craze in recent years, mainly because Sheng Xuanhuai pioneered the idea of official supervision and commercial management in the conservative country of the Manchu Qing Dynasty, and began to introduce commercial capital into the government-run industry of the Western-style faction and carry out shareholding management.

From the Kaiping Mining Bureau to the Steamship China Merchants Bureau, and then to the Shanghai Machinery and Textile Bureau and other foreign enterprises, all have adopted the joint-stock system, and listed in Shanghai, a large amount of capital has poured into these industries, the stock of the steamship China Merchants Bureau of one hundred taels of denomination, the highest has been speculated to five hundred taels, and the Shanghai Machinery and Textile Bureau has not produced a strand of raw silk, an inch of face, and the stock is far higher than the face value.

According to the provisions of the Daming Joint-stock Company Law, the joint-stock company has to bear a series of responsibilities and must be responsible to the shareholders, and cannot do whatever it wants, and all major matters must be decided by the board of directors, so Hu Xueyan has neither the idea of turning the industry under his name into a joint-stock company, nor does he have this plan.

Because of unlimited responsibility, after losing funds on the raw silk market, Hu Xueyan can only reverse the account from the money bank, he is accustomed to this kind of operation of demolishing the east wall and making up the west wall, his business saying is, "Eight jars and seven covers, cover and cover without helping, that is, will do business", obviously this kind of business means, sooner or later something will happen.

Soon the capital chain was broken, and after depositors could not withdraw their deposits, it was rumored that Hu Xueyan was going to fall, which attracted more people to run on it, and foreign banks continued to demand money.

Later rumors said that all this was manipulated by Sheng Xuanhuai, and it was Sheng Xuanhuai who secretly spread the news that Hu Xueyan's capital chain was broken. Because Sheng Xuanhuai helped Li Hongzhang deal with Zuo Zongtang, if he wants to deal with Zuo Zongtang, he must first deal with Hu Xueyan, because Hu Xueyan is Zuo Zongtang's money bag.

As far as Zhu Jinglun's intelligence is concerned, this rumor is very unreliable. The reason why there are such rumors is mainly because Sheng Xuanhuai's reputation is not good, and Hu Xueyan's failure makes everyone sympathize, and making raw silk hegemony is also very good for the taste of later nationalist revolutionaries, because Hu Xueyan is doing hegemony, which is to engage in business wars with foreigners.

But the problem is that Zuo Zongtang and Li Hongzhang have political disagreements, but they will never do such obscene methods, and they have not reached the situation of life and death. If Li Hongzhang's mind is so small, it is impossible to mix so well, and in the officialdom, sometimes it is necessary to have some open-mindedness, and the person who will repay him has no friends.

Li Hongzhang and Zuo Zongtang are more cooperative.

There is also a rumor that Hu Xueyan failed because of the failure of the business war with the foreigners, the foreigners controlled the price of silk in Shanghai and exploited ordinary silkworm farmers, Hu Xueyan hoarded raw silk in order to break this situation, and the foreigners united and agreed not to buy raw silk for a year, as a result, the raw silk market collapsed and Hu Xueyan went bankrupt.

This kind of rumor is also the embodiment of the irrational sentiment of the nationalists, because there is evidence to prove that the export of raw silk from Shanghai Customs is going on normally every year, and the foreigners are here to make a fortune, not to be vindictive. Moreover, Hu Xueyan hoarded raw silk funds, many of which were borrowed from foreigners' banks.

The collapse of the raw silk market is due to the bumper harvest of raw silk in Italy, the economic crisis and the comprehensive factors of the Sino-French war.

In addition, the failure of raw silk hegemony is not the main reason for Hu Xueyan's bankruptcy, later generations rumored that Hu Xueyan used 20 million taels of silver to dominate the market, and as a result, he lost 10 million taels, so he went bankrupt. This is another rumor that has no basis in fact, because the total export of raw silk in Shanghai, affected by the silkworm plague in the south of the Yangtze River, is only 40,000 bales, and Hu Xueyan's ability is indeed very strong, because he hoarded more than one-third of them, reaching 15,000 bales.

But even if Hu Xueyan monopolized 40,000 bales, he wouldn't be able to spend 20 million taels of silver, because the price of silk in Shanghai was affected by the economic crisis, and the unit price was only about 320 taels, 40,000 bales only cost more than 10 million taels, and 15,000 bales only cost 4 or 5 million taels.

What really made Hu Xueyan bankrupt was the rupture of the capital chain of the money bank, and what directly pushed Hu Xueyan into the abyss was the urging of the Manchu government. Hu Xueyan could default on the debts of foreigners' banks and depositors' deposits, but he did not dare to default on the deposits of the government and officials.

Historically, it was these official deposits that were forcibly withdrawn that became the last camel grass that pressed on Fukang Qianzhuang.

But no one knows this yet, because Hu Xueyan is still dying, and he wants to borrow money to get through the difficulties and start all over again, rather than handing over the property to others.

Hu Xueyan's attitude made Wu Shouye extremely impatient.

"How is it, Master Hu, have you thought it through?"

Wu Shouye has been in Shanghai for more than ten days, and he has communicated with Hu Xueyan several times, but Hu Xueyan's money bank is about to be smashed by depositors, but he is still holding on, making up for it, selling the batch of raw silk, and losing more than one million taels, but the money in the money bank is still not enough.

"Shopkeeper Wu, let me think about it and think about it again."

Hu Xueyan seems to be thirty years old, and he doesn't have the usual high-spirited image at all.

"Master Hu, please forgive me for saying bluntly, you can't hold up with eight bowls and seven lids like this."

Hu Xueyan's old face turned red, and the business methods he thought he had obtained made people directly sarcastic, where could he stand it.

However, in the past, when he presided over the Guangfu Bank, he was used to being the governor of the central bank, and Wu Shouye did not have the habit of saving face for others.

"Shopkeeper Wu, it's just that your bank wants to take over Fukang Qianzhuang, isn't this taking advantage of people's danger?"

Hu Xueyan is a person who can bend and stretch, he has been an uncle, and he is also a grandson, in order to keep his own industry, he has not looked at other people's faces less during this time, not much this time.

Wu Shouye sighed: "Shopkeeper Hu, that is, you still take your family's money bank so seriously, tell you the truth, I am not interested in the money bank at all." ”

Hu Xueyan was puzzled: "Then why does the shopkeeper Wu bother to take the money under him?" ”

Wu Shouye snorted: "Knowing too much is not good for you. I'm not interested, but someone wants to. ”

Hu Xueyan asked: "Dare to ask Shopkeeper Wu, who has thoughts about Fukang Qianzhuang?" ”

Wu Shouye snorted coldly: "I dare to say it, I'm afraid you won't dare to listen." ”

Hu Xueyan was startled, stretched out his finger and pointed upward, Wu Shouye nodded.

The people above? Who else could there be. Of course, it's the Son of Heaven!

Hu Xueyan sighed, since it was the Son of Heaven who wanted it, how dare he not give it, how could he not give it.

So Hu Xueyan agreed.

Wu Shouye immediately asked the people he brought to take over Fukang Qianzhuang, at this time it was already the beginning of December, the last two deposits of Fukang Qianzhuang were taken away, and the angry depositors queuing at the door were already furious, just when they were already pushing together with the employees of Fukang Qianzhuang, the carriages were driven by skilled coachmen, shaking whips, crackling, and swaggering from a distance to rush through the city.

The convoy attracted everyone's attention, and for a moment they all stopped arguing.

The convoy finally stopped in front of Fukang Qianzhuang, and the first strong man in his forties threw a whip again.

sang loudly: "Guangfu Bank took over Fukang Qianzhuang and sent 10 million taels of Daming silver!" ”

Only then did everyone see clearly that the tightly enclosed carriages had the number of the Bank of Guangzhou.

When the coachman had finished singing, he jumped out of the carriage, and soon a series of strong men jumped out of the carriage, and they removed boxes from the carriage.

The streets were lined with rows of thick wooden boxes, each three feet square, wrapped in red silk and with a seal at the mouth.

What was surprising next was that those people actually opened the seal in public and opened the box, and what was even more surprising was that the box was full of silver coins, fifty grams and one tael of silver coins minted by Daming Bank.

Because he was so surprised, this bright silver was piled up on the street, and no one even thought to grab a handful.

At this time, the coachman sang again: "Shopkeeper, count the deposits!" ”

The shopkeeper of Fukang Qian Zhuang immediately beckoned the guys to hurry to the box, carrying a water and fire stick in his hand, with sweat on his head, he obviously knew that there was such a thing, but he kept it strictly secret according to the requirements, and until now he finally opened the pot.

Counting boxes by box, there were 10,000 silver coins in each box, totaling 10,000 taels.

Every time a box is counted, the shopkeeper will sing:

"Received 10,000 taels of silver deposited in Guangfu Bank!"

Boxes of silver were moved into Fukang Qianzhuang, and they were all counted in public on the street.

People with a heart silently calculated, there are really a thousand boxes.

After finishing all this, half a day has passed, and the shopkeeper feels that he is about to collapse.

And none of the people at the door dispersed.

The shopkeeper changed his demeanor at this time, and he had long since lost the low eyebrows and pleasing eyes when he persuaded them to come to get the silver tomorrow.

He said to many customers: "Everyone, it's rude. Just now, a big customer deposited silver, and the manpower was tight, and the greeting was not good. There are people who take silver, and those who deposit silver, I hope you will forgive me, and there is no place to store silver in the silver treasury, so please come again next time. ”

Of course, no one came to deposit the silver, and the silver was taken a lot, although it was said that a large amount of silver was stored in Fukang Qianzhuang with their own eyes, everyone was not panicked, but the silver was still really grasped in their own hands, and the situation that when they saw the silver car arrived, they immediately did not take it, only existed in the story.

It wasn't until midnight that Fukang Qianzhuang sent away all the depositors and exchanged more than one million taels of silver. I have to say that there are really a lot of famines in Hu Xueyanla.

In the next three days, Fukang Qianzhuang did not open the door, but Fukang Qianzhuang was supported by Guangfu Bank, and the news that 10 million Daming taels were deposited has spread throughout Shanghai, especially the Qianzhuang industry in the silver shortage, many people envy Hu Xueyan, and at the same time wonder if they can rely on their old friendship to borrow some money from Fukang to save the emergency.

Three days later, Fukang Bank reopened, but the brand had changed, and it was not called Fukang Bank. The guys inside haven't changed, the shopkeeper hasn't changed, but there is an extra Taipan from Daming.

One by one, there was an endless stream of guests who came to visit, visiting the shopkeeper of Fukang Bank, reproaching the other party for such a big thing as changing the number, and not notifying him, so that he could prepare gifts to say goodbye.

The shopkeeper's smiling face greeted people, and the visitors did not refuse, and invited all the customers in, but when the other party opened his mouth to borrow money, he immediately shook his head and said bluntly that the rules had changed. Who wants to borrow money, if it is a new customer, immediately inform unless there is a mortgage, otherwise will not lend, if it is an old customer, then turn out the past accounts, if the other party deposits and borrows are very timely, then agree to borrow, but ask to supervise the other party's financial situation, if the other party is in debt, then sorry to refuse to borrow, if the other party is financially good, just lack of capital turnover, immediately hold the silver ticket, pay at sight.

During the silver famine, everyone was looking for silver, all banks, money banks and ticket numbers were reluctant to lend, and they hated to cover the silver in their own banks, so as not to cut off the capital chain.

According to the instructions of Daming Taipan, as long as a business is done, it will be recorded in the bank's internal credit file and a risk mechanism will be established from scratch. In less than a month, although Shanghai's firms and foreign firms were still closing down one after another, a large number of firms and firms with stable operations were able to solve their urgent needs and had no worries about bankruptcy. Shanghai's market is gradually returning to stability, but a depression is inevitable, and if you want to regain its old vitality and prosperity, you have to survive for a while.

Wu Shouye has been sitting in Shanghai, and after stabilizing the market in Shanghai, he sent a telegram back to Zhu Jinglun to report the situation.

Wu Shouye told Zhu Jinglun that with the cooperation of Hu Xueyan, he had accepted more than 20 Fukang money banks in Hankou, Beiqi, Hangzhou and other places, all of which had been restructured into banks and restarted operations, and all of them had survived the crisis.

It's just that Hu Xueyan himself is not very reconciled, and has asked many times if he can take back the money bank.

Zhu Jinglun didn't expect Hu Xueyan to be so attached to Qianzhuang, he sold Qianzhuang to save all the properties, and he even wanted to take Qianzhuang back one day. Zhu Jinglun thought about it, if a person like Hu Xueyan is not allowed to buy it back, when he recovers, he will definitely make a comeback, and he will continue to open a money bank. And it will compete fiercely with the current Fukang Bank and snatch away a large number of high-quality old customers.

Once that happens, there's little value in acquiring Fukang Bank. Such a broken money bank, the value is not those few stores, but the value is the group of customers.

Thinking of this, Zhu Jinglun felt that it was time to talk to Hu Xueyan, and he did have some curiosity about this kind of legendary figure, so he informed Wu Shouye to arrange for Hu Xueyan to go south.

Wu Shouye called back and said that he would make proper arrangements to ensure that the news would not leak out.

"Don't you show the news?"

Zhu Jinglun hesitated.

immediately replied: "No, don't deliberately keep it secret, let Hu Xueyan go south with great fanfare and publish the news in the newspaper!" ”

Wu Shouye immediately found Hu Xueyan, who had been hiding from his old friend recently, changed his previous unapologetic attitude towards Hu Xueyan, and congratulated him with a laugh.

"Lao Hu, congratulations, the day of your turnover is coming."

"Turn over?"

Hu Xueyan himself didn't believe it, although he didn't lose tens of millions of taels as rumored by the outside world, but the bad debts of Qianzhuang added up, and he really lost tens of millions, which are all belongings that he has saved up in half a lifetime.

"Unless the gods appear, the old man can turn over."

Hu Xueyan sighed, thinking that it was the banking tycoon from a wealthy family who was mocking him.

Wu Shouye said with a smile, it was really a fairy who appeared, and then told Zhu Jinglun about inviting him to go south to meet.

Hu Xueyan was stunned for a moment, he also felt that the gods had appeared, and the power of the emperor was in China, isn't it just like a god.