"Caomin Lizhou Jiang Ming tries to meet the Holy King!"

Jiang Mingqian, who came to Guangzhou yesterday, approached Xu Youren, vice president of the Central Bank of Shengguo, early this morning, and said that he had come to Guangzhou to invest in the cooperative joint-stock banks in which Shengguo Holdings. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

Xu Youren told Jiang Mingqian with regret that the three cooperative joint-stock banks in Shengguo had all been fully funded. Jiang Mingqian looked disappointed and asked unwillingly if he could set up a joint-stock bank on his own in the Holy Country. Xu Youren was a little hesitant, it was difficult to answer, and after thinking twice, he decided to report to Zhou Shengkun, the governor of the central bank, and Zhou Shengkun was also very embarrassed when he heard it, so he took Jiang Mingqian to the Holy King's Mansion to ask to see Feng Yunshan.

"Excuse me! Mr. Danshan, you have already known about your visit to the king. I wonder how much money Mr. Danshan can devote to the establishment of a joint-stock bank? Feng Yunshan asked directly to the point.

He still knows a lot about this Jiang Mingxian. With the intensification of the intelligence work of Fan Ruzeng's detailed work brigade, more and more news was sent to Feng Yunshan. Jiang Ming's information was still what he had asked Liu Shengbang to turn out.

Jiang Mingxian, whose name is Zhaoyuan and whose name is Danshan, is a wealthy man in Lizhou and even northern Xiangbei, with a generous temperament and shrewdness. Good at doing business, in the Manchu Qing Dynasty large and medium-sized cities and commercial ports, set up ticket numbers Qian Zhuang pawn, print tickets, handle pawns, deposits, exchange and other businesses, set up a general pawnshop in Xiangxi in Aoshan, and became a huge rich man in northern Hunan with a fortune of millions of taels. However, when the Taiping Heavenly Kingdom attacked Changsha Yiyang Yuezhou, Jiang Mingtry, in order to save the defeat of the Qing army, urged the Jiang family and the squires of northern Hunan to donate a total of more than 30 taels of silver to fund the Qing army's military salary.

However, this man was extremely shrewd, and after the captives occupied Changsha and Yuezhou, he saw that the situation was not right, so he immediately abandoned the Manchus and defected to the Holy Kingdom.

Jiang Ming was stunned when he heard the Holy King call himself Mr. Danshan. He immediately knew that the Holy King had already investigated him inside and out, and his heart tightened, but there was still no show on his face.

"Holy King, the grass people have a lot of wealth, and they know some business friends, so they should be able to make up four or five hundred thousand taels." Jiang Mingqian deliberately discounted it, not wanting to say too much.

"Four or five hundred thousand taels? Mr. Danshan is really wealthy! No wonder he donated 300,000 taels to the Qing Demon to deal with the Taiping Army. Feng Yunshan sneered: "If you just open some money village pawnshops, it is enough, but if you want to open a bank in the Holy Country, it is still a little less!" ”

After speaking, Feng Yunshan turned his head to look at Zhou Shengkun, deputy minister of finance and taxation and president of the Central Bank of the Holy Kingdom, who accompanied Jiang Mingqian: "Shengkun, tell Mr. Danshan what is the minimum capital for the Holy Kingdom to open a bank. ”

Zhou Shengkun: "Yes, Holy King!" Mr. Danshan, in order to reduce the risk of saving money for the people, in accordance with the relevant regulations of the Holy Country, the minimum capital of the bank in the Holy Country is 1 million taels of silver. Among them, more than 30 percent of the capital needs to be set aside and deposited in the form of deposits in the Central Bank of the Holy Republic as a reserve for the change of business. That is to say, at least 300,000 taels of cash must be paid to the Central Bank of the Holy Kingdom, of course, if the capital invested by Mr. Danshan in the bank is 2 million taels, he must deposit at least 600,000 taels of cash in the central bank. ”

"Holy King, the grass people are guilty!" Jiang Ming's face was pale, he was completely frightened. He didn't expect that when he arrived in Guangzhou, he took the lead in organizing the donation of 300,000 taels of silver to the government two years ago, and the Holy King knew about it. said that everyone knew that the Holy King turned out to be the Southern King of the Taiping Heavenly Kingdom, no wonder the Holy King was unhappy.

"The grass people are willing to donate 300,000 taels to the Holy Kingdom to atone for the previous sins of the grass people!" Jiang Ming gritted his teeth, fought hard, and vomited blood to donate.

When Feng Yunshan heard this, he said with a smile: "Mr. Danshan's heart of fist and fist that wants to benefit the people of the Holy Country, this king understands. Shengkun, in this way, the 300,000 taels donated by Mr. Danshan will be set up by your Ministry of Finance and Taxation to set up a special disaster relief fund, and wherever there is a disaster within the Holy Country, disaster relief will be paid from this fund. Let's call it Jiang's disaster relief special fund. ”

Zhou Shengkun: "The Holy King's mercy is really a blessing for the people!" ”

Jiang Mingqian also echoed the praise of the Holy King for his benevolence and love for the people.

Feng Yunshan said with a smile: "According to this king's understanding, Mr. Danshan has indeed opened a ticket number, money village and pawn shop for many years, with branches in several provinces and dozens of state capitals. Now if you want to open a bank, you are indeed familiar with it. Moreover, if you can donate 300,000 taels, you must have abundant funds, I'm afraid it's not a million taels, right? In this case, Mr. Danshan has no problem opening a bank. This king thought of the name of the bank you want to open for you, and it will be called 'Industrial Bank', okay? ”

Jiang Ming was overjoyed when he heard this, and when the Holy King said so, he recognized the matter. He hurriedly thanked him: "The grass people thank the Holy King for his name!" I just don't know what is the point of this 'Industrial Bank'? ”

"Mr. Danshan should know that the banker, unlike the ticket number bank, is only convenient for the people to carry and use the silver taels, so the ticket number and the money bank will charge a small amount of storage fees to the deposited merchants, and the bank will do the opposite. Banks not only make it easier for customers to carry and use the silver taels, but also pay a small amount of interest to the customers who deposit the silver taels. ”

"The main way for banks to make profits is to pool idle funds from the private sector and make investment profits. Loans are issued, bills are issued, and foreign exchange is provided. However, the customer direction of this loan is also focused. Feng Yunshan went on to explain: "ICBC's main customers are ordinary businessmen and ordinary people; CCB's customers are the owners of construction projects and facilities, mainly the construction funds of the Holy Kingdom for investment; The Bank of Communications provides loans for the construction of railways, roads and bridges and other transportation facilities. As for you, the Industrial Bank, what this king hopes is to provide banking services mainly to the emerging industrial and mining owners, workshop owners, etc., so as to make their business prosperous and reap returns. This is also the reason why this king took the Industrial Bank. ”

"The grass people get it! Xingye, good name, thank you for the mention of the Holy King! Jiang Mingqian realized that the Holy King deliberately chose this name, that is, he wanted to expand his banking business to the emerging physical workshops and factories and mines.

Because he often reads "Nanfang Daily", Jiang Ming tried to understand that the most powerful country in the world today is the Western Britain. The foundation of the UK's strength lies in its tens of thousands of factories and workshops, strong manufacturing capacity, and becoming a leading country in emerging industries. Shengwang's move must have been to learn from Britain and encourage private capital to develop new industries, so he named the bank he wanted to open as Industrial Bank.

Unexpectedly, the Holy King still valued himself so much. Jiang Ming tried to think of the key point, and at this moment, he was full of confidence. With a keen eye, how could he not see what the foundation of a strong country is. If the Holy Kingdom develops according to the plan of the Holy King, it is conceivable that the Manchu Qing Dynasty will not last long. At this moment, Jiang Mingqian was once again glad that he had chosen to take refuge in the Holy Country, how correct it was.

"For specific procedures and requirements, Mr. Danshan asked Vice President Xu Youren. This king welcomes you to invest in the Holy Kingdom! For the first person in the Holy Country's private investment bank, Feng Yunshan certainly welcomes it. As long as they invest money, they will naturally find ways to make a profit and develop customers, and in the process, a number of physical workshops will grow to divert capital into non-land hoarding.