There is a popular saying in later generations that when you are an official, you must learn from Zeng Guofan, and you must learn from Hu Xueyan when doing business. Pen % fun % Pavilion www.biquge.info

I don't know how many people have been misled by this sentence, in fact, Hu Xueyan's way of doing business is really not something that anyone can learn, it is true that every successful person must have some kind of quality that prompted him to succeed, but people have shortcomings, Hu Xueyan's advantages and disadvantages are equally obvious, learning Hu Xueyan will make countless people bankrupt.

First of all, Hu Xueyan is an official and businessman, which most ordinary people can't learn.

Hu Xueyan hoarded raw silk, Zhu Jinglun saw it through the newspaper, and the newspaper said that Hu Xueyan was making raw silk overlord.

The so-called hegemony is that the market maker makes a market, which can only be done by powerful businessmen.

Hu Xueyan is such a big businessman, he has been an apprentice in Qianzhuang since he was a child, and the shopkeeper has no children, so Qianzhuang gave it to Hu Xueyan, which is the starting point of Hu Xueyan's career.

After Hu Xueyan continued to run the money village, renamed Fukang money village, and also ran a silk tea business, even if the Taiping army captured the south of the Yangtze River, Hu Xueyan's business did not delay, but became bigger and bigger, and it took 30 years to accumulate tens of millions of wealth, known as the richest man in the Qing Dynasty.

But in that troubled era, it can still grow bigger step by step, obviously Hu Xueyan's money has something to do with the war, but all the money that has to do with the war is generally bloody.

Hu Xueyan's capital accumulation is also so bloody, because his main business object is grassroots officers.

When it comes to the history of Hu Xueyan's development, anyone can mention Wang Youling, there are all kinds of rumors about the acquaintance of these two people, and the most widely circulated is one of the most dramatic statements, that is, when Wang Youling was poor and destitute, Hu Xueyan was still an apprentice, and Hu Xueyan took the risk of giving Hu Xueyan 500 taels of money from Qianzhuang, so that Wang Youling successfully bought an official, but Hu Xueyan was expelled from Qianzhuang because of this incident, and could only commit to Qinglou to pour night pots for people to make a living, and later returned to Hangzhou as an official, so he vigorously promoted Hu Xueyan and helped him open Fukang Qianzhuang.

But this is just a drama, Wang Youling himself is the son of an official, he began to follow his father at the age of seventeen, and later relied on the family's way to buy officials, and found a real shortage, came to Hangzhou to be an official, but encountered the Taiping army besieged the city, Wang Youling convened Hangzhou rich businessmen, asked for donations. The boss of the money village did not dare to go, so Hu Xueyan went to the meeting instead of him, so Hu Xueyan met Wang Youling, and volunteered to Wang Youling to help buy food and ordnance, and after Hu Xueyan bought food, Hangzhou was surrounded, at this time it was time to show Hu Xueyan's courage, he boldly attacked the encirclement of the Taiping army many times, and never rushed into Hangzhou, very angry.

This is a real Hu Xueyan, bold and brave, daring to gamble, not an apprentice who steals the owner's funds without authorization, a businessman, if he really has that kind of background, the business is impossible to make a big deal. Hu Xueyan's descendants said that Hu Xueyan made a fortune mainly because he directly inherited a money village and then developed and expanded.

When Hu Xueyan was an apprentice, he was very shrewd and capable, helping the shopkeeper to recover a large number of bad debts, and he knew the account books at a glance, and had a strong arithmetic ability.

Young, bold, regarded as a confidant by the shopkeeper, he always asked Hu Xueyan to do anything difficult, and even went to negotiate with the government about such a thing, and let Hu Xueyan go, and over time Hu Xueyan got acquainted with a considerable number of contacts, such as Wang Youling, who met him like this.

But to be honest, Wang Youling didn't help Hu Xueyan much, because Wang Youling died in Hangzhou soon, but Hu Xueyan's deeds of risking his life to rescue Wang Youling made Zuo Zongtang appreciate it very much, he thought that this was a kind of chivalry, which was commendable in businessmen, and it happened that Zuo Zongtang also needed a shrewd and capable businessman, so he used Hu Xueyan to do things for him.

Zuo Zongtang's appreciation is the real turning point for Hu Xueyan's career, and Wang Youling provides Hu Xueyan with a background, a background to show his morality.

With the support of Zuo Zongtang and the occupation of Hangzhou, Hu Xueyan had to come to Shanghai to develop, and Shili Yangchang provided him with another stage. He ran silk tea and money village here, and slowly developed. But this kind of development can accumulate tens of millions of wealth, unless it is the accumulation of several generations like the Jin merchants, or the monopoly trade under the guarantee of the state like the Thirteen Lines.

Hu Xueyan didn't occupy any of them, so why did he occupy a place in Shanghai, where businessmen gathered?

mainly relies on Zuo Zongtang's help. Zuo Zongtang was ordered to attack Zhejiang, which was occupied by the Taiping army, but the Qing court's military pay was always untimely. Zuo Zongtang's channel for raising funds is Hu Xueyan. Hu Xueyan has been acting as Zuo Zongtang's agent in Shanghai for a long time, Zuo Zongtang has given strong support behind his back, and Hu Xueyan has continuously sent military salaries to Zuo Zongtang.

Zuo Zongtang praised in the letter that since Hu Xueyan helped to handle the military salary, he was no longer in danger of lack of military salary.

Why can Hu Xueyan get military pay for Zuo Zongtang with empty gloves and white wolves, one of the biggest ways is to resell arms, the Taiping Army has always been able to get a large number of rifles and cannons in the war, in addition to foreigner smuggling, another source is through some Chinese businessmen to procure. Hu Xueyan relied on this identity to get arms from regular channels and sell them to the Taiping Army at a high price, earning a huge price difference, and the money was used to subsidize Zuo Zongtang's military expenses.

As for how much commission Hu Xueyan took from it, Zuo Zongtang didn't ask, and no one would ask.

Later, Zuo Zongtang invaded Zhejiang, and Hu Xueyan's business became even bigger, and at this time he switched from reselling arms to pawnshops.

Hu Xueyan's customers, most of them are officers of the Hunan army and the Chu army, because of the support of Zuo Zongtang and Wang Youling, many officers have stored their salaries in Hu Xueyan's money village, and the war period is a good time for officers to make a fortune, from Zeng Guofan to Zuo Zongtang, the military discipline of the army is always a problem, so looting is very common, and the proceeds of looting are all inch into Hu Xueyan's money bank, so that his capital is abundant, not to mention, once those officers die in battle, this money will become a dead account.

The pawn business is even bloodier. Zuo Zongtang's army plundered the area of Jiangsu and Zhejiang, not only robbing large households, the people have always had the saying that thieves have been like combing soldiers like grates, the peasant armed forces generally like to rob large households, officers and soldiers are often big and small, civilians also rob, Hu Xueyan pawnshop often appears in the general women wear silk and satin, all kinds of jewelry and other things, I heard that the soldiers of the Chu army will even take off the clothes of ordinary people who died in the war, and send them to Hu Xueyan's pawnshop for cash.

This is Hu Xueyan's second bloody business, which is equivalent to helping the soldiers of the Chu army sell their stolen goods. The scale of this sale of stolen goods is too great to be counted, because millions of civilians were looted by the army during the war, and in the war, such old clothes and the like, although not expensive, are more acceptable to the poor. The so-called small profits and quick turnover, I am afraid that it is still above the profitability of the bank.

By reselling arms and selling stolen goods, Hu Xueyan grabbed the first pot of gold.

When Zuo Zongtang exterminated the power of the Taiping Army in Zhejiang, Hu Xueyan reopened various transactions in Hangzhou, and continued to help Zuo Zongtang with military salaries.

Later, the Ming army occupied Zhejiang, which did not affect Hu Xueyan's business, because he relied on the huge profits in the war to complete the primitive accumulation, and the business form has been upgraded to the top commercial field, hoarding real estate in Shanghai, operating silk tea trade, opening money banks, and pharmaceutical factories.

The order brought by the Ming army even further stabilized Hu Xueyan's business, and the scale of the silk tea business continued to expand, and he has become the top group of silk tea merchants.

Hu Xueyan has a good brain, there are no rules and regulations in doing business, he is not as conservative as Jin Shang, he will only operate a business that he is familiar with, what Hu Xueyan can do to make money.

It is obviously a good deal to start a machine silk reeling industry in Shanghai, Hu Xueyan began to enter this field last year, and invested heavily in opening a silk factory in Shanghai, and later generations have information claiming that Hu Xueyan invested 20 million taels, which is obviously nonsense, and the raw silk in the entire south of the Yangtze River can not withstand the consumption of silk reeling factories of this scale, not to mention investing in such a huge silk factory, where do skilled workers come from? It's not a one-time performance start-up at all.

But Hu Xueyan's silk factory is indeed not small, very much his business of opening and closing the spirit, this silk factory invested millions of taels, the purchase of a full set of French equipment, the raw material is not silkworm cocoon, but raw silk, this is a re-reeling silk factory, the so-called reeling, is the farmer's hand, or factory machine reeling of raw silk, bracketing, the four corners of the wire reeling into hexagonal bracket, to adapt to the latest Western large-scale weaving machine.

Hu Xueyan found that such brackets are not only more symmetrical, but also reduce messy silk and waste silk, increase the price by as much as three or four percent, and double the profit.

At present, only foreigners in Shanghai are doing this business, and the profits are huge, so he took a fancy to this opportunity, so he boldly invested in hiring French technicians with a lot of money, intending to enter this industry in one fell swoop.

While preparing for the silk factory, he also began to monopolize raw silk, that is, to hoard raw materials for his silk factory, but also to make a market and make huge profits.

It's a pity that Hu Xueyan was unlucky in history, just caught up with the outbreak of the world economic crisis, the collapse of the Shanghai financial market, which made his capital chain strained, and the last straw that crushed him was not Sheng Xuanhuai's troublemaker, but the outbreak of the Sino-French War, which led to the loss of China's raw silk market and the collapse of the raw silk market.

Historically, the French warships that entered Shanghai rang the bell of Hu Xueyan's end, and now, the Manchu Qing Dynasty is frequently destroyed in the morning, where is the courage to start a war with France, but the Manchu Qing Dynasty does not dare to start a war with France, what about the Ming Dynasty?

Will the Ming Dynasty be involved in the war because of the Vietnam issue, which will cause the collapse of China's raw silk market, as in history?