The battle of Kedunsnoyarsk has entered the stage of annihilation!

And Wang Hengyue, the president of the Republic of China, who never seemed to care too much about the Russian front, began touring the country in November.

What he was concerned about was not how far the war had progressed and whether his army would be able to achieve victory, but whether the construction of the whole country was proceeding smoothly under the guidance of the government.

The first stop of his visit was Shanghai.

This is a financial place, and it is also a city that Wang Hengyue attaches great importance to.

During his current visit, he did not notify local officials, but quietly came to Shanghai. Those face-saving in order to welcome the arrival of the president, Wang Hengyue didn't believe it at all, he only believed everything he saw with his eyes

Shanghai Commercial and Savings Bank.

Chen Guangfu, the general manager, looked out the window and felt some emotion in his heart. It is really not easy for the Shanghai Commercial and Savings Bank to have today's situation.

In order to open this bank, I really exhausted my efforts.

At the time of the "Second Revolution", Zhang Xun made great contributions to Yuan Shikai, so he was sent to Jiangsu as the governor. After Zhang Xun took office, he immediately instructed Chen Guangfu, who was then the general manager of the Bank of Jiangsu, to copy the list of depositors of the Bank of Jiangsu.

According to this order, Chen Guangfu felt ridiculous. Confidentiality for depositors is the bare minimum rule of the banking industry. Zhang Xun did this, it was simply an arrogant act like a thief in the green forest. He knew that Zhang not only held the authority in his hands, but also the hilt of the sword. However, isn't it a shame to succumb to obscenity?

After much thought, Chen Guangfu decided to straighten his back, refusing to submit the list of depositors on the grounds that the bank had an obligation to keep the depositors confidential, and submitted the move to the bank's board of directors for discussion, which was approved. He then submitted his resignation.

Chen Guangfu's response surprised Zhang Xun: a foreign scholar with weak literature. Dare to disobey orders, it is really self-defeating. As a result, he immediately ordered Chen Guangfu to be dismissed from his post as general manager of the Bank of Jiangsu.

The truth of this turmoil was soon revealed in the newspaper by Shanghai's "Mainland Daily". People admired Chen Guangfu and fought for Chen Guangfu one after another.

After leaving the Bank of Jiangsu, Chen Guangfu fell into deep thought, and he began to rethink his future.

After returning to China, he realized that the political situation was turbulent and changing. The ideals and aspirations of the individual are so fragile. The two feudal officials who had the grace of knowing him: Duan Fang and Cheng Dequan, one died unexpectedly, and the other escaped into the empty door. It can be seen that politics is dangerous

With the outbreak of World War I, the great powers had no time to look eastward, and China's national industry ushered in a good opportunity for development. Chen Guangfu was determined to create a bank that he could control.

Three gangs of a hero. Chen Guangfu first found his two close friends, Zhang Jiaao and Li Ming. Zhang Jiaao was the deputy manager of the Shanghai branch of the Bank of China, and Li Ming was the auditor of the Bank of Zhejiang. They are both returnees, and the three are close in age. In his youthful youth, he was known as the "Three Brothers" in Shanghai's banking industry.

At first, when Chen Guangfu asked the two for advice, they did not agree. The two believe that to open a bank, it is necessary to raise a lot of money, and this is not easy to say! But Chen Guangfu doesn't think so. He thinks. The beginning of the bank. There is no need for huge amounts of capital, and there is no need to compete with other commercial banks for the share of shares. What's more, he found a huge gap in the market.

At that time, the banks in the market, whether they were foreign banks that focused on the large business of the Chinese government with foreign businessmen, or domestic banks that focused on high-ranking officials and nobles, were dismissive of small merchants and ordinary people. The so-called financial career has in fact become the patent of the "big guys".

And ordinary people are also afraid to ask in front of the high-rise buildings of banks. In this way, there is a huge vacuum between the big banks and the small people.

With his sharp gaze, Chen Guangfu discovered the still idle space in the bank forest.

He thinks. Raise $50,000 to $100,000 first, and the bank can be opened. After the opening of the business, it is possible to gradually accumulate capital by absorbing small deposits from ordinary people. As long as you really provide excellent service, you can gradually increase your deposits, and you can also gradually increase your loans!

Set armpits into furs, ant male soldiers.

At that time, there will be two major problems: the accumulation and use of capital. You can easily solve it. Chen Guangfu's unique insights and incisive analysis deeply impressed the two close friends, and they immediately helped him start to prepare. …,

Less money is also money, and Chen Guangfu has no capital at all. After Li Ming's introduction, he persuaded a comprador named Zhuang Dezhi. Take out 70,000 silver dollars as the capital of CCB. Zhuang Dezhi contributed the most. served as the chairman, and Chen Guangfu barely scraped together 5,000 silver dollars with the help of Zhuang to serve as the general manager.

In June 1915, the Shanghai Commercial and Savings Bank opened in a Shikumen house on Ningbo Road, with a capital of less than 100,000 yuan and only seven or eight employees.

On the opening day, Chen Guangfu neither held a banquet nor invited a director of the money industry, for fear of being ridiculed by his peers, and a small bank was quietly born.

In Shanghai, where there are many strong players, how can a small bank with a low reputation break out of its own world?

"What the Bank relies on as its lifeblood is the word 'service'." Chen Guangfu replied resoundingly, thus breaking the traditional image of the banking industry in the past.

At the beginning of the opening, Chen Guangfu inspected the next bank and asked a manager, "How can we do better in serving our customers?" ”

The manager immediately replied: "No matter how much the customer handles, whether it is a thousand, a hundred or a dollar, we will receive it warmly, so that our service can be in place." ”

The manager felt that he had answered well, but Chen Guangfu said: "You only answered half of the right answer, he just doesn't do a penny, as long as he comes to your bank, you have to be warmly received, and you have to serve him well." ”

In line with the concept of serving the society, Chen Guangfu decided to deposit a minimum of 1 yuan in the Bank of Shanghai for the convenience of customers, especially the general public. The minimum deposit of one yuan is that you can open an account with one yuan, which was an unprecedented innovation in the financial industry at that time.

Before Chen Guangfu, most banks did not attach importance to savings, but Chen Guangfu skillfully grasped this market gap, not only gradually developing the savings business, but also naming the bank after the word "savings". Chen Guangfu was the first person to eat crabs and was ridiculed by many people at the time.

The newly opened Bank of Shanghai welcomed a special guest. This middle-aged man was holding a hundred-dollar bill and proudly wanted to open a hundred-dollar account. The clerk of the bank received him warmly and took the trouble to write down a hundred accounts in one go. Holding the passbook, the middle-aged man returned satisfied.

After this prank spread, many people were very moved and remembered this "little bank" in Shikumen. This small bank is not only liked by many people, but also by some big people.

The night breeze is gentle, the voices of people are silent, and Shanghai Beach looks so quiet under the starlight.

Chen Guangfu, who was standing in front of the window, was in the opposite mood. His mind fluctuated, and his mind swirled over and over the assertion of a foreign banker he had met during the day: "Chinese banks will not run well." ”

These words deeply pierced Chen Guangfu's heart, and he could not help but think of the arrogant demeanor of the British staff of the Hankou Customs Broker, the contemptuous gaze of foreigners at the international exposition, and the cold reception he received when dealing with foreign companies

In the face of these stimuli, he secretly decided to set up a bank for them!

It was November 1920, and the Bank of Shanghai had been in business for five years.

Foreign banks have made a comeback and begun to crack down on China's local financial institutions. The one who ridiculed Chen Guangfu to his face was the senior class of a veteran British-funded bank.

Although this foreigner's words are ugly, they are not far from the truth. Not to mention those government-run banks, even emerging financial institutions such as the Bank of Shanghai, there are many problems.

In the past five years, the initial deposit of one yuan has solved the problem of the capital source of the Bank of Shanghai, but how to continue to lend effectively has become a difficult problem. After all, money can only be profitable if it is released! The market is unpredictable, and if you are not careful, you will face a catastrophe. Chen Guangfu's first thought was the lesson of Shanxi's ticket number.

In the early days of the Republic of China, the once dominant Shanxi ticket numbers went out of business one after another. Why is the ticket number, which has a variety of advantages, so fragile in vitality, that the Manchu Dynasty fell apart as soon as it died? The fundamental reason is that they are too upper-class and increasingly addicted to bureaucracy like drugs!

If we want to avoid repeating the mistakes of the past, we have to find a different way. Chen Guangfu has set his sights on the burgeoning private sector. Such a business strategy may make the Shanxi ticket number laugh off the big teeth. Yes, Shanxi has been known as a leader at home and abroad for decades, but it has hardly supported any large enterprises. However, if we want to "resist international economic aggression," what better way is there than to "assist industry and commerce"?

Although the Bank of Shanghai is small, Chen Guangfu is determined to grow side by side with national entrepreneurs. As a result, in the list of shareholders of the Bank of Shanghai, the names of many industrial and commercial giants appeared one after another: Xia Zhongfang, the major shareholder of the Commercial Press, Xu Jingren, a modern Chinese industrialist, Huang Jingquan, the king of the sugar industry, and Zhang Jian and the Rong brothers.

Although private enterprises are full of vitality, the mortality rate is not low.

In order to reduce the risk of lending, Chen Guangfu advocated that things should not be done to people, and that credit should be attached to things, which is more clever than money banks.

Regardless of personal credit and affection, it only depends on whether your enterprise is strong and whether your enterprise is operating in a standardized manner. Chen Guangfu demanded that all loan recipients be investigated in good faith and property to find out their family backgrounds, which provided a reliable basis for lending.

Xi Dongshu, the son-in-law of Duan Qirui, the premier of the Beiyang government, runs a business in Tianjin, and usually spends generously, and many banks want to tie up with this God of Wealth and lend him money one after another.

However, Chen Guangfu learned through investigation that this person was secretly engaged in speculative business and could go bankrupt at any time.

So Chen Guangfu strictly ordered him to take precautions. Soon, Xi Dongshu fled with the money, and many banks suffered heavy losses due to huge bad debts, but the Bank of Shanghai was unscathed.

Just thinking there, the voice of the butler came from outside:

"Sir, a friend of yours asks to see you!" (To be continued.) )