Lu Yijin took the thin letterhead handed over by Qin Kai, with only a few lines on it, coinage, bank bills, and small long-term loans. (Read it)

The coinage power of the Qing Dynasty has long been divided, and it is not that the governors of all provinces have opened this precedent, and the most famous minting master known to Qin Kai is Zhang Zhidong, but Zhang Zhidong opened the minting of silver dollars after six or seven years, but the Mawei Shipbuilding has long had a history of coinage, and that was before Qin Kai crossed, but the amount of coinage was not large.

At this time, the Qing government's mint was inefficient, coupled with the low output of copper mines, and the production capacity of several mints in the north was insufficient, which was simply not enough to produce enough currency to circulate in the market, and foreign merchants took advantage of the outdated monetary system of the Qing government to arbitrage profits, the root of which was the monetary system of the silver and copper standard.

The ignorant Qing government implemented a double-standard monetary system of silver and copper, but there was no restriction on the ratio of silver and copper currency to huàn, but this cannot be blamed on the ignorance of the Manchu government, because this big country did not have a central bank, and how could it control the ratio of silver and copper coins, so the exchange of silver and copper coins was completely controlled by market demand.

The United States, which also implemented the gold and silver reset monetary system, made a strict ratio to huàn as early as 1792, and the state set the price of the two metals at the huàn, and the state guaranteed to exchange the huàn according to this ratio, and the U.S. "Coinage Act of 1792" stipulates that the ratio of gold and silver to gold and silver is 1 to 15, which is a fixed price of gold and silver to huàn, thus ensuring the stability of the monetary system.

The Manchu Qing Dynasty's multi-standard monetary system had a big loophole, and the financial system under the rule of the Qing government in this era was completely an inverted system with foreign banks as the leader and domestic silver numbers as the subordinate, so there was a problem, foreign banks could artificially raise or lower the exchange rate at will, and all they had to do was to buy back or release the number of copper coins on the market on a large scale.

Qin Kai naturally understands that with his current ability, he cannot change the financial status quo of the whole of China, but he still has the ability to change the status quo of Guangdong, that is, the issuance of currency under the Guangdong system, and his overall view of the financial system has the experience of later generations, which is far higher than the cognition of the Chinese people in this era, but he has no experience in actual operation, and this is precisely Lu Yijin's strength.

Lu Yijin stared at the paper and saw that there was a lot of tea kung fu, there were not many words in these lines, but it was definitely a big move, as one of the few domestic silver numbers in this era, he had been operating in Fukang for many years, and naturally understood the pros and cons of this, coinage, the benefits of this are absolutely amazing, although the Fukang silver number has the background of Zuo Dashuai, but Hu Da shopkeeper is just a red-top businessman, and he does not have such great power.

And bank bills, he didn't understand, why not call them silver bills, this thing sounds like silver bills issued in the silver number, and the banks issued by foreigners are called bank bills, this Lord Qin is engaged in this thing, this is not small...... As for the small long-term credit, he also didn't understand, Shanghai is now the fastest growing port for domestic credit in the Qing Dynasty, but the longest credit there is only one year, and I don't know how long the long-term credit that Lord Qin said......

After pondering for a while, Lu Yijin looked up at Qin Kai and asked with a solemn face: "Lord Qin, these three transactions are all large-scale businesses, and they are all done in this specific operation, adults can rest assured, it's just that this official matter, adults still need to worry more."

Qin Kai wanted this answer, and he nodded, "Master Lu, you don't need to worry too much, in three or five years, my silver number ...... No, it's a bank, the name, I've thought about it, it's called Nanyang Bank, the temporary business scope is limited to Guangdong and the surrounding areas, you and Hu Da shopkeeper have a word, there will be no conflict between our business and sales"

Lu Yijin nodded, he and Hu Xueyan didn't have much worry about this, it seems that in the past cooperation, this Lord Qin is a creditworthy person, not to mention the value of this Lord Qin, they have already found out, it can only be described as unfathomable, he thought about it, and asked: "My lord, when will you, Nanyang Bank, be ready to start operating?" ”

"The sooner the better......"

"How much are you going to invest in the capital of Nanyang Bank?"

Qin Kai looked at He Xing and Wu Jingui on the side, he is now a junior second, and he wants a large amount of silver, so he also looks at the two people who manage the accounts, especially He Xing, after all, a large amount of military expenses and factory expenses are all raised by He Xing, and Wu Jingui China Merchants Bureau is undoubtedly an important growth point in the future. Please remember our website to read and see),

He Xing looked at Qin Kai, with a black line on his face, this Qin Liefeng, there is still a deficit over there, and he has to invest a lot of money here to engage in Nanyang Bank, although he also understands that the silver number must be profitable, but in terms of his common sense, how to make money is not as good as the current chemical factories, textile machinery factories, and stamping factories to make money, but Qin Kai discussed this matter carefully with him, and then said: "He Da shopkeeper, the bank has been established, and I can move 1 million taels of cash here."

Lu Yijin was also expected of this million taels, nodded and turned his eyes to another big man, Wu Jingui.

Wu Jingui had a sum of 2.7 million taels of silver reported by various merchants last time, and the income of the Guangzhou Special Economic Zone in the past six months was also 2.3 million taels, he pondered it, in addition to leaving a sum of silver as the expansion of the industrial zone and the construction of a new factory, he did not have much use on hand, looked at Qin Kai and said: "My lord, I can move out of the cash 4.5 million taels of silver."

Hearing 4.5 million taels of silver, Lu Yijin's heart also jumped, but he had also seen the world, and the Fukang Silver Account was also a big silver number with 20 million family backgrounds, and this surprise lasted for a moment, but the original assessment of this Lord Qin had been completely overturned, and he could take out 5.5 million taels of silver at once, even Fukang couldn't do it......

"If that's the case, my lord, the capital of Nanyang Bank is enough to be included in the top five of the domestic silver number, wait for me to calculate it carefully," Lu Yijin solemnly arched his hand, "In addition, my lord, you also need to send a few cronies to the silver account to supervise the cash payment, please arrange it as soon as possible, so that it can be opened as soon as possible."

Qin Kai smiled and nodded, this Lu Yijin thought about it very comprehensively, he didn't care about the money, but it was very proper, originally Lu Yijin didn't talk about it, he also wanted to bring it up, this is a huge amount of money that scares people to death, and now he put forward some of his own small construction on bank operations.

After Lu Yijin and Wu Jingui listened to Qin Kai's idea, their faces were still as usual, but the surprise in their hearts was difficult to express in words, the coinage, bank bills, and credit on the letterhead in front of them were only three lines, and after Qin Kai's simple expansion, even Wu Jingui, a layman who was completely unfamiliar with the operation of the silver number, immediately understood that it was a huge interest chain, which was a whole interest chain, not a simple interest point

As for He Xing, he had already followed Qin Kai too much surprise, today when he saw Qin Kai going to build a bank, he knew that there would be some surprises, but it was still much beyond his imagination, after careful consideration, he also knew that this bank was undoubtedly a big move to fill the deficit that may continue at present and even in the future, and it was an extremely effective big move Thinking of this, he let go of his worries about the problem of the horsetail industrial deficit, shook his head, and said secretly in his heart: "This Brother Qin is really a genius who makes money......

Lu Yijin had already put down the little bit of shelf that he had at this time, Qin Kai's simple narrative contained a huge amount of information, and he also carefully discussed the details with Qin Kai at the moment, and slowly perfected the big framework proposed by Qin Kai into a big plan

The discussion continued until the evening, and when he was leaving, Qin Kai looked at Lu Yijin, this old man Lu will enter his inner circle sooner or later, it's time for him to understand his strength, so that he can do things for the horsetail industry with peace of mind, so he told him to come to the governor of the yamen the day after tomorrow.

Two days later, Lu Yijin came to the governor's yamen early in the morning with the shock of talking with Qin Kai the day before yesterday, and went to a lobby in the backyard under the leadership of the mighty soldiers at the door, Sun Fu had already greeted him, and let him into the house with a smile and said: "Lu Da shopkeeper, I heard the day before yesterday that you came to handle the affairs of this silver horn for the governor, I was also very surprised, and I will have to work for you in the future."

"Lord Sun, please give me more advice in the future" Lu Yijin knew that Sun Fu was now Qin Kai's core staff, and he would naturally have to cooperate more if he would do things for the same owner in the future.

After a few polite sentences, Sun Fu introduced him to the seven or eight men in the house in different clothes, almost all of them were young people, the oldest was only in his thirties, and the youngest was only in his early twenties...... Lu Yijin couldn't help muttering in his heart, what is this railway?

It is also strange to say, in the hands of the people who participated in this meeting, there are only a few official positions, most of them listen to the introduction, they are the general office and superintendent of the factory under the governor of Qin, and a few people in military uniforms are the generals of the Nanyang Naval Division, and after sitting for a while, He Xing and Wu Jingui also hurried over, after Qin Kai appeared, some soldiers immediately closed the door, and there were constantly patrols in the distance outside, obviously heavily guarded. ,

Qin Kai looked at his subordinates who were sitting in a full room, this was the core member that he had worked hard to cultivate, and his industrial dream was realized by them, after a brief introduction to Lu Yijin and Lu Da Shopkeeper, he immediately entered the topic.

According to the consistent process, the first to speak is naturally in charge of industrial production Xu Guofang, these months is the outbreak of the Mawei industry, with the merger of 500,000 taels after the Jiangnan Shipyard, obtained a large number of shipbuilding technical workers, more than half of them were arranged into the Beihai Shipyard in Fangcheng County, and the Jiangnan Shipyard was restructured into a professional construction of commercial ships and training reserve workers to meet the needs of Mawei shipping.

The second machine tool factory and the second iron and steel plant in Zhanjiang, Leizhou have been put into operation, and are currently waiting for a large number of steelmaking blast furnaces and rolling equipment purchased from Germany, and plan to reach the production capacity of 16 blast furnace refining steel within the year.

Lu Yijin was a little strange that this Lord Qin was so keen on making steel and iron, but he had already passed the age of the sixtieth year, so he naturally would not take the initiative to ask these questions that had nothing to do with him, he just listened carefully, analyzed the information he needed, and soon he figured out that the biggest role of this steel was undoubtedly related to the amazing military exploits of this Lord Qin.

The middle-aged man named Xu Guofang on the opposite side was dressed very ordinarily, and the ordinary miscellaneous men in the Fukang Silver Account were also dressed more appropriately than him, but now listening to him talk eloquently, the industries controlled by this man actually included the textile and silk reeling industries that were still creating amazing values for Fukang, and he couldn't help but take a closer look.

Soon, Xu Guofang mentioned an industry related to the newly opened Nanyang Bank, "My lord, about this new coinage project, after two weeks of research by the R&D team, considering the problem of production capacity, the latest joint stamping machinery is adopted, the output is 24 hours a day, 15,000 pieces per day, excluding two days of maintenance per month, the monthly production of 400,000 silver coins, and the output of smaller copper coins is about 4 times that of silver coins, 1.6 million pieces per month."

After finishing speaking, Xu Guofang took out two bags and poured out two piles of coins from them, the people in the house naturally knew that this was the new money that would be used in Guangdong in the future, and they were very curious to pick a few and look over and over again, Lu Yijin was naturally more concerned about this matter, the quality of this coin was good, but it directly affected the circulation after the listing, and also took some samples to observe carefully.

Xu Guofang continued to introduce the new coin, "Ladies and gentlemen, the obverse of this silver coin is stamped with the dragon pattern, with the words Nanyang Bank on it, and the reverse stamping is the five-star flag of our Nanyang Navy Division and the ironclad warship regiment, with the nominal 1 yuan word, the composition is 6 points 6 points of silver, 3 points of 4 points of copper, and the market value is 7 coins and 2 taels of silver.

Everyone carefully observed the new silver dollar, they were full of praise, Lu Yijin is naturally an expert in this way, the silver dollar made by Qin Da man, the quality is higher than the Yingyang that is now circulating in Shanghai, the Longyang of Japan, and the people of the United Kingdom, and the silver content is the same as that of Yingyang, which is naturally very convenient to circulate, the market value of 6 points 6 silver and 7 points 2, the difference in price can be a real profit......

Xu Guofang introduced the copper dollar again, in fact, Qin Kai is not keen on issuing copper dollars, but considering the current situation, he must change the silver and copper reset currency system, and what he can do at present is to change the value of copper coins and turn copper coins into auxiliary currency.

In this way, even foreigners are not profitable to collect copper coins, and Nanyang Bank only exchanges copper coins produced by Huàn, eliminating the way of trying to profit from the price difference. However, the main reason is that minting copper dollars is still a great benefit, after all, the cost of this copper coin is very low, and it is real money when it is circulated.

Lu Yijin saw that the copper coin casting is also very elegant, there is only one style, when 10 copper dollars, which is equivalent to the face value of the copper coins circulating on the market, but there are many well-made, you know, the most common people in this era use copper coins, so that the well-made copper coins will definitely be able to open the market soon

Watching historical dramas, it is common to pay with a piece of silver, which is impossible among the people at the bottom in this era. Many poor peasant families may have been dealing with copper coins all their lives, and there is almost no chance of being associated with silver ingots, and a few hundred copper coins are a lot of money

Lu Yijin, who was originally a little worried about minting money, had been completely conquered by the strength of the new owner at this time, but the content of the next discussion made him a little foggy, and he couldn't understand the details of this Lord Qin at all. ,

Chen Tongpu, who was in charge of the chemical industry, took out a large stack of materials and handed them to Qin Kai, and did not report directly, Qin Kai calmly flipped through them for a while, and the previous research reports on coal tar and petroleum were all about coal tar, and now the only achievement in coal tar is the refining of aromatic hydrocarbons, and six aromatic hydrocarbons have been refined.

Qin Kai does not care about the application of this aromatic hydrocarbon, he has hired perfumers from England and France to use four of them to blend at least 20 varieties of perfumes, which are completely chemical products, and the perfume varieties produced by the blending of pure natural fragrances have fully met their sales needs in Europe.

At present, the profitability of the perfume industry has not really been brought into play, but it has already generated staggering profits for Qin Kai's shadow companies in Europe and the Americas every month, so he is not in a hurry to put new varieties of perfumes into industrial production.

And the oil he brought back from overseas for research has now completed the research in the real yàn room and entered the research stage of industrial production, after all, foreign oil is now flooded with China's ports, but Qin Kai understands a little more than all the chemists of this era, refining kerosene from oil for lighting, in the future of the oil industry, is almost a joke, which has too much untapped content.

However, this is not the focus of his concern, he has no place to find an oil field now, and the research of gasoline engines and diesel engines is only an idea on the paper of the horsetail real yàn room, although there are a group of skilled workers and students pondering this, but there is still a long way to go before it is really successful, he did not think about drawing drawings by himself, and then let Xu Guofang make zuò, but in that case, it is not much good for improving the research level of the entire horsetail industrial system.

Therefore, he proposed a series of R&D directions to the Mawei real yàn room, providing only some simple ideas and sketches, and he hoped to come out of the real yàn room with some inventors who surprised him

And what really interests him is the industry, the industry that can create a complete value chain, and now Chen Tongpu has put it on the last few pieces of paper, and there is something he is interested in.