[The second watch~~ The end of the year was busy, and it didn't break out in the first half of the month, and we worked hard to update it in the second half of the month~~]

Qin Kai was stunned for a moment, only 5,000 taels, and someone still needs someone to guarantee the release of foreign exchange, and it is a short-term three-month payment, the lending of this era is really strict, but this kind of short-term lending obviously does not meet the needs of large-scale industrial production, you must know that a factory from input, training workers to produce finished products, earn profits, the fastest also takes more than 7 months.

In terms of the textile mills that have opened the most in the Special Economic Zone now, it takes at least 9 months for the smallest cotton mill to obtain profits and earn back the capital, and then it can rely on profits to continuously expand and reproduce.

Obviously, in this regard, the domestic small silver account is not able to do it, because most of the business of the domestic silver account is concentrated in the issuance of money-making bank bills, foreign and silver loans, gold and silver trading, short-term loans, and foreign exchange loans

Seeing Qin Kai's strange expression, the shopkeeper Wang was obviously a little surprised, it seems that this Qin Gongzi is really the first time to know about this loan of silver, obviously, the amount of 5000 taels is a little less for this Qin Gongzi, he pondered for a while, looked at Qin Kai's posture, and arched his hand to explain two sentences.

"Qin Gongzi, this is the first time you have borrowed silver from the trumpet, so this amount is relatively small, if there is a long-term relationship, or if there is a big firm that can guarantee you, the amount of 10,000 or 20,000 is not difficult to solve."

Qin Kai sighed, thought about it, and asked again, "Shopkeeper Wang, if a small local merchant comes to the silver number to borrow some silver taels, must it be guaranteed?" ”

"Of course, if it is a local family, if there is a mortgage such as real estate and antiques, it can also be borrowed, but the number stipulates that after all, there is still a huge risk in this" The shopkeeper Wang said that it is also clear that this Qin Gongzi may not be short of silver, but where is this faction, he is still waiting carefully.

"Oh......" Qin Kai shook his head, feeling that the questions he wanted to ask had also been asked, and the content of the too detailed content was probably not understood here, so he smiled and took his leave, "Then there is the shopkeeper of King Lao, if I want to borrow silver taels, I will come to discuss with you when the time comes."

Next, I went to the other two silver numbers, Tianjin Yinhao, Houde Yinzhuang, both of which are the silver numbers in the north, and the situation at the port of Shanghai can not be opened, and the strength of the Ningbo Gang, Shaoxing Gang, and Dongting Gang is too strong, and the silver number in the north cannot do local business at all, so they come to Guangzhou to develop, but the main business is still the banker and silver deposit.

In terms of foreign exchange release, there are also many obstacles, after all, although the business of that piece of business is good, but the risk is not small, for the domestic consortium seeking stability and security, it is not the best way to make money, only under the premise of ensuring income, will carry out the business of foreign exchange, so the result is also similar.

As for the British-funded HSBC branch, Qin Kai went to a bad nose, these banks only opened business for compradors, big conglomerates and wealthy people in the Qing Dynasty, Qin Kai did not reveal his identity, and was tactfully reminded by the other party that only after depositing enough funds first, can he enjoy the high-end services of the British Imperial Bank

Qin Kai touched his nose, slipped out without saying a word, and went straight to the Fukang Yinhao, when he arrived here, he didn't continue to hide his identity, and directly asked Song Yunze to go in and report, after a while, Old Man Lu had already come out of it with an excited and happy face, and when he saw Qin Kai's appearance, his mind was also very active, and he immediately called him an adult and welcomed Qin Kai in.

Wan Deqiao on the side was already dumbfounded, and let the shopkeeper of Fukang Silver Lu go out of the door, and his attitude was very respectful, what level of lord does this have to be, he is a well-informed person in the local area, and he stayed there and pondered for a while, but he also figured out some signs, and when he saw Song Yunze and Lu Shu sitting down, he went up and talked to them.

It's just that Song Yunze didn't let him go, after all, Lord Qin didn't say anything, but it is estimated that if this guy leaves, Wan Dexiao will also find a reason to stay for a while.

When they arrived in the back room and served fragrant tea, Lu Yijin asked respectfully: "Lord Qin, what can I do when I come to the trumpet today?" "Their Fukang Silver Account only served the governor with 300,000 taels of silver, and Old Man Lu also pondered that this Lord Qin should not ask for money, but what can he do without money in the Silver Account? So I don't understand it. ,

"Shopkeeper Lu, there is indeed something I want you to ask for today!" Qin Kai laughed, the concept of this bank, he can copy a book from his light brain, but there are too many things that can't be implemented in this era to operate, so to do the things of this era, it is still necessary to operate on the basis of the silver number in this era.

"Lord Qin, what you say can be tormented," Lu Yijin laughed, saying that he didn't dare but his attitude was not modest at all, this old man was a veritable high-level of the Fukang Silver Number, "My lord, if there is anything you ask about the need for the Fukang Silver Number to contribute, Fukang will definitely take the blame."

"Shopkeeper Lu, I'm here to rob you of Fukang's business, I plan to open a silver number, but the main business is different from yours, so I came to ask you for advice," Qin Kai laughed and said, Qin Kai was naturally very satisfied with Old Man Lu's statement, plus the operation after this, he may still need the strong support of Fukang Yinhao, so he talked straight to the point.

Lu Yijin is naturally strange, this Lord Qin's ability, they Fukang has seen a lot, and has a very good relationship with Hu Da's shopkeeper, several big deals can pull Fukang into the house, this new silk reeling machine qì factory, that has been trying to compete with the British for the silk market Hu Xueyan was a big surprise.

This silver number business is not something that can be done if you want to, at least you have to have a vote of manpower, I didn't expect this Lord Qin to be really resolute, so I wanted to do it, but I still asked clearly, "Lord Qin, how much principal are you going to invest, is it a prospectus?" Or exclusivity"

Speaking of this, Lu Yijin didn't hide it, he asked people to move an account book, spread it in front of Qin Kai, and said with a smile while flipping through it: "Lord Qin, I won't tell you, Xiao Lao'er really doesn't understand, your industries are more profitable than this silver number, why do you still have to run this You see, this is the account book of the Fukang Guangzhou branch, and the monthly surplus is only more than 20,000 taels, as far as I know, my lord is just that dye business, our Fukang Silk Factory's monthly expenses are more than 100,000 taels, and after the production of flower cloth, there are huge profits......"

Qin Kai smiled slightly, this Lu Yijin is an old fox in the end, and his estimate of his own industry is quite accurate, and now the monthly dye business income is close to 300,000 taels, which is a thing that is used by textile factories all over China, and it is definitely a thing with a lot of profits, and it is the only one, there is no semicolon.

"Shopkeeper Lu, the silver account I opened only does two transactions, one is to issue bank bills, and the other is to absorb deposits and release foreign exchange, and the investment in the early stage is about 3 million taels of silver, and the business with my silver number is limited to the business name in the Guangzhou Special Economic Zone" After saying this, Qin Kai stared at Lu Yijin and saw if the old man understood what he meant.

Old man Lu's eyes were a little confused, obviously very confused after listening to Qin Kai's words, this banker ticket is the main business, there is no reason not to open a silver account, you can earn a lot of money and interest in it, this is not strange, but this Lord Qin has limited the business name of the special zone, which is obviously a narrowing of the silver number's ability to make money...... Do you make money by releasing foreign exchange?

You must know that it is indeed feasible to make money by releasing foreign exchange in this era, but the premise is to have a place in the financial market controlled by foreign capital, and for the release of foreign exchange by local merchants, unless the large merchants with high credit are willing to be conservative rather than take huge risks.

He thought about it again and again, but still said very politely, "Lord Qin, you opened a silver account like this, this foreign exchange consumption consumes a large amount of cash, I'm afraid it will be difficult to earn enough interest for a while, and our merchants in the Qing Dynasty are generally unwilling to borrow, and it is not easy to earn silver on this."

Qin Kai smiled slightly, "Shopkeeper Lu, I want to ask you Shopkeeper Hu to do me a favor and find a capable shopkeeper for me, I still have 20 students and more than 30 apprentices here, let them come to your Yinzhuang to study for a few months, do you see if it?"

To tell the truth, the tricks of the operation of this silver village are not something that can be learned if you want to learn in this era, but Qin Kai came to make a request, Lu Yijin naturally refused it, and thought about it, after all, Qin Kai's silver number is also beneficial to the two silk reeling factories opened by his family in the Special Economic Zone, and he nodded and promised to give Qin Kai a reply.

Qin Kai asked some details about the loan in this era, the high interest rate of this loan still made him eat a lot, and the interest rate was as high as three or four cents at every turn, even if it was in later generations, it was also a loan shark, no wonder the people who started by borrowing in this era are so at least, the cycle is short, the interest rate is high, this can do business is really magical,

After talking for more than an hour, Qin Kai understood some of the routines of the silver horn in this era, but he gained a lot, and when he dealt with the affairs of his own silver horn in the future, he would not make any jokes that violated the conventions of this era.

After Lu Yijin respectfully sent him out, Qin Kai noticed that Wan Dexiao, who had been with the commissary for a day, was still following, and asked Song Yunze to take ten yuan of Yingyang to him for today's hard work, and Wan Deqiao didn't dare to ask more after receiving the silver dollar, so he hurriedly said goodbye and left.

After finishing the business, I have been shopping for most of the day, this spring and March, when I was going to go out for leisure, Qin Kai couldn't help but think of his own good weather in the future, and he would definitely have to go out to travel, but in this era, the battleship is already the fastest sailing tool, and the gap is inevitably too big.

Took Song Zeyun to the nearest restaurant called Chunwangxuan, and asked for a private room with sunshine to the south, he didn't drink himself, so his own soldiers didn't have the habit of drinking, Song Yunze went to order some dishes and rice, but unfortunately there were no drinks in this era, only tea, which made Qin Kai have another business experience, and quickly recorded it in his light brain.

Although he is not a qualified soldier, he naturally hopes to influence the thoughts of these future officers through his own speech and demeanor, and the pro-soldiers all know that this adult treats people kindly, but he is resolute and resolute in doing things, but he does not respect this adult from the bottom of his heart.

As the most important edible oil for stir-frying, it is still a relatively expensive thing, just in the special industrial zone, and the latest industry has oil mills, which make a lot of profits from soybeans, rape, peanuts, sesame, and corn after processing, and the residue can be processed and sold.

Qin Kai is very tasty, and the seafood here is obviously doing well, let him feast, and order a few pots, a few pro-soldiers around him, Song Yuze's temper is a little similar to Zhang Kui, it belongs to the type of no big or small, eating seafood at this time, but he began to compare the seafood in his hometown Saigon with the seafood in Guangzhou, anyway, it is better than Saigon

This naturally caused the siege of Lu Shu, Qin Kai also knew that these young people under him were very busy training on weekdays, and it was rare to have time to relax, and they didn't make a sound, but they were laughing and laughing, but they heard a soft snap from downstairs, and then someone shouted and scolded, which immediately aroused the interest of the diners upstairs, and many people went out to look.

Several pro-soldiers were responsible for guarding, so they naturally stopped hip-hop as soon as possible, and after Lu led the probe out to take a look, he leaned into Qin Kai's ear and whispered: "My lord, there are a few officers from the Eight Banners Battalion making trouble below."

Flag man trouble? Qin Kai was excited when he heard it, when he was in Fujian, he was a standard two-point and one-line house life, and he didn't know much about these flag people living in the flag cities in various places, but he knew more about the historical information in his brain.

These barbarian peoples who used to win the world with bows and horses, by blood and by the blessings of their ancestors, lived a luxurious and leisurely life, and their old men and sons also spent their thoughts, but they used them to get enjoyment and stimulation from insignificant things. They are cricket jars, pigeon whistles, dry croquettes...... has improved his culture, but he doesn't know anything about the world's major events, and he is extremely idiotic.

Their life is like a nightmare dream, they don't have to produce or study, year after year, they decay day by day, and finally rot to the point that even the bones are rotten.

Qin Kai put the chopsticks down, and also probed out, only to see that the people downstairs had already surrounded three or four circles in front of and behind, and from this position, it was just a clear view, and three or four strangely dressed officers in the circle were crowded together...... But if you look closely, it is indeed the uniform of the Eight Banners Army of the Qing Dynasty, but it is a little too shabby, but at this time, there is an old man lying on the ground, and he is still arguing about something.

As soon as Qin Kai looked at his side, this Song Yunze was a Vietnamese baby, and he knew clearly about the children of the Eight Banners, so he turned his head and asked Lu Shu, "Lu Shu, these few people wearing tattered clothes below are the Eight Banner officers?" ”

Lu Shu next to him knew these Eight Banners soldiers better than Qin Kai, so he came up to take a look, and said with a smile: "My lord, these are indeed officers with blue flags, their military uniforms are blue as the base and red as the edge, but this has not been washed for hundreds of years, it is about to become black, look at the top wearer, that is, a few eight-grade and nine-grade Lingchang, and the general manager of the foreign commission."

Now Lu Shu and Song Yunze are serious seven-grade affairs, taking care of the majestic military guards and Nanyang sailors, seeing these banner officers, they can't help but be secretly funny, Song Yunze began to mutter, "This ...... Also the army? It's no different from a beggar."

Seeing that these banner officers who ate hardcore crops were playing tricks, Qin Kai's face turned grim, and he waved his hand and said, "Go down and see, what's going on."

When Qin Kai arrived below, Song Yunze and Lu Shu had already separated everyone, and several Eight Banner officers were still babbling inside, two broken porcelain bowls and a clay pot were broken on the ground, and an old man was knocked to the ground, and two teenage children were being carried by these Eight Banner officers to teach a lesson

There was a smell of wine at the scene, and it could be seen that these Eight Banners officers had poured a lot of yellow soup, and Song Yunze saw that these Eight Banners junior officers were still lawless in front of adults, obviously not very clear, and they went up three or two times to dry down these guys who had poured yellow soup.

One of the fat-headed and big-eared officers had not yet figured out the situation, and shouted, "You guys...... A few Diao people dared to attack officials, it was really against the sky" This guy also took out the saber on his waist, wondering if he should draw a knife to scare these Han people...... At this time, there was a sound of footsteps outside, and the crowd of onlookers had already separated from each other, and seven or eight officials rushed in.

The officer obviously knew the official who came, and he had already come up, "Eh, Li Zhutou, these Han people beat the imperial court military attaché......"

Unexpectedly, the familiar Li Zhutou turned his face completely this time, and said coldly: "Mr. Cha, you have made a mistake...... Take it for me."

The few officials behind him suddenly came to the spirit, rushed up to lock up and take this flag man officer, this scene is a little chaotic, the onlookers naturally some can't understand, these flag man officers to these thirteen lines to drink, has always been rich and not to pay the bills, hard credit, but also to try to extort shops, has long been a big evil in Guangzhou, on weekdays the officials see that is to turn a blind eye, today the sun came out of the west......

The head catcher surnamed Li took a few flag people, and suddenly came to his senses, and hurriedly ran in to Qin Kai to make a big gift in the officialdom, but was immediately stopped by Qin Kai, looked the fat Li Zhutou up and down, and asked with some surprise: "Li Zhutou?" You know me".

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