Because China has long been a silver standard country, and China is a country lacking silver, copper coins have become the most popular currency in circulation. Pen "Fun" Pavilion www.biquge.info but there has always been no fixed standard for the exchange rate between copper coins and silver, some places can exchange two taels of silver for two thousand copper coins, and in some places one or two silver can only be exchanged for eight hundred copper coins. The main reason for this is that the denomination of silver is too large, and it is not convenient for the people to use silver for trading.

After the adoption of the smaller denomination of Chinese currency, the people simplified the transaction procedures in the transaction process, especially the citizens of Shanghi, who pay more attention to the contract, prefer to use Chinese currency to trade, and believe in the credibility of Chinese currency. Gradually, many people believed that the use of Chinese currency became a sign of fashion and modernization.

As a traverser, Wang Yongan knew that there was a lot of wealth among the people in the late Qing Dynasty, and the reason why the people in the late Qing Dynasty were reluctant to deposit money in the bank was not only because of the lack of credibility of various ticket numbers and money banks in the Qing Dynasty, but also because the ticket numbers were inconvenient. For banks, its convenience is too important, and in order to absorb savings and convenient services, major banks in later generations are eager to open their business points to people's homes. And the advent of the Internet has finally made it easier for banks to directly bring their business to the beds of otaku and otaku.

Therefore, Wang Yongan demanded that the Industrial Bank of China must ensure its convenience, and that it should add 10 branches or business points in each of the Jiangnan and Jiangbei areas to facilitate the people to save and repay money. In addition to convenience, Wang Yongan also has strict requirements for the service attitude of bank employees, and the bank's front desk clerk tries to use female employees, whether it is a bank bodyguard, a salesman or a branch manager, and always smiles in the face of any customer.

The smile service of later generations was still a new thing at this time, especially the appearance of some female salesmen, which made China Industrial Bank a diora for a time.

Female at this time. Right. Host. Righteousness. Lu Bicheng has helped a lot, and she is now the director of education at a girls' school, directly recommending her students to work as salesmen in banks. And Wang Yongan naturally welcomes it wholeheartedly, the cooperation between the two is simply thunder and fire, a long drought is full of nectar, and the cave room is full of candles......

Lu Bicheng began to brag in the newspaper again that Wang Yongan respected women, but this time everyone's attention was not focused on the appearance of female employees in the bank, because there were more "immoral" things in Shanghi than hiring female employees.

At the end of 1910, when advertisements for women's underwear appeared for the first time in China, the Guardians were surprised to see a picture of a woman wearing underwear in a foreigner newspaper in the Shanghi Public Concession. It's just that the newspaper is in the public concession, and Cai Naihuang can't manage other newspapers, so he can only find the person in charge of the foreigner in the public concession to hint at it, but unfortunately the foreigner ignored Cai Naihuang.

Wang Yongan also took a special look at China's first women's underwear advertisement, but what he saw was a conservative underwear, nothing was exposed except for the hands and necks, but there were some female curvaces, I really don't understand what those old masters were protesting about, Wang Yongan thought that if he protested, he would only protest why he was wearing so much!

Just when the development of the Industrial Bank of China was in full swing, Zhang Muqun finally fell ill from exhaustion, and Wang Yongan ran from Yangzhou to Shanghi to visit Zhang Mouqun in his busy schedule. In order to express his gratitude to Zhang Muqun, Wang Yongan gave him a 0.5% share award from the China Industrial Bank, which he controlled 100 percent, and told him to take a good rest. Don't underestimate this 0.5%, it is 400,000 taels in silver, in other words, the value of today's Industrial Bank of China is as high as 80 million taels of silver, far more than Wang Yongan expected.

If Wang Yongan didn't understand the earning ability of the financial industry in the past, then now he really understands that the most profitable people in the world are those who engage in finance and those who open banks. In later generations, China's richest Wanda Lao Wang was rich, but did he have more money from China Construction Bank? Is there a lot of money in a commercial bank? Is there a lot of money in the Agricultural Bank? It's not even as much money as postal savings.

For Wang Yongan, the most fortunate thing is that the end of the Qing Dynasty was the period when the state had the worst control over finance, because since the establishment of the Republic of China, whether it was Yuan Shikai or later Duan Qirui, Zhang Zuolin, and Jiang Zhiqing, they began to strictly control the country's finance as the country's top leaders.

It has to be said that Wang Yongan caught up with a good time, caught up with the 26-year-old Zaifeng who was in charge of China, and this person knew nine out of ten about economics and finance -- he didn't know anything about it, and even when the Shanxi ticket number, which supported the financial business of the Qing Dynasty, was about to go bankrupt, he sat aside and did nothing, as if he had nothing to do with him.

Zhang Muqun is not sick at the right time, no one can take over the Industrial Bank of China for a while, although Wang Yongan is interested in Luo Shitong, but Luo Shitong has been busy with the integration of the internal structure of the shipping group since taking over the China Shipping Group, and now the integration has just been completed, and finally formed a complete and clear division of labor shipping group, and Japan's two 8000-ton second-hand ships have just arrived at Shanghi Wharf, Luo Shitong has become the big boss of Shanghi Beach, the limelight is flourishing, and he is unwilling to leave the shipping group. Therefore, Wang Yongan made a mistake on the issue of the successor to the head president of the Industrial Bank of China, but at this time, Zhang Muqun recommended a person, Adege.

Brother Adeqing is Yu Qiaqing, he is not only a successful businessman, but also the president of Zhejiang Merchants, only Yu Qiaqing can accept the Industrial Bank of China instead of him, and only Brother Ade has the ability to deter the presidents of the branches of the Industrial Bank of China.

"Connections, prestige, ability, experience, and credibility." Zhang Mouqun said, "No matter which way you think about it, only Adege can be the president, not anyone." ”

After Wang Yongan thought about it, he said with a wry smile: "It seems that I have to be cheeky to beg him." ”

Zhang Muqun also smiled bitterly, and then he mentioned another thing, in order to support the use of Chinese dollars, the Industrial Bank of China established Lemai grocery stores, and now there are more than 400 Lemai grocery stores in the Jiangnan area, forming a huge grocery sales group, in February, sales actually reached 30 million Chinese yuan, that is, 300,000 taels of silver.

Wang Yongan was taken aback and couldn't help but say: "How much is the net profit?" ”

"Excluding all expenses, it will reach fifty thousand taels of silver." "So I suggest that Lemai grocery stores should be separated from the Industrial Bank of China and set up their own sales group." ”

"Do you have a general manager?" Wang Yongan asked.

"I have a family of nephews, seven in Chinese New Year's Eve, whose father is from my Zhang family, so he has been doing business in the Zhang family. My nephew's name is Zhang Naiying, because he was not far away from the family's favor, he became a comprador for foreigners, and now he has a lot of ability, and he pours some small things between the Qing Dynasty and foreign countries. I have already told him that he is also willing to serve the fourth son. Zhang Muqun said.

Wang Yongan nodded and said with a smile: "Okay, I'll let him try to be the general manager of Lemai Sales Group first, and after a year, I want to take a look at the performance, if the performance is good, I will give him shares, if the performance is poor, then I can only refute your face." ”

"Only look at ability, not face, if I take care of face in the business field, I would have lost money and died." Zhang Muqun said with a smile.