John. Pierponte." Jack. Morgan walked into the quiet office and stood behind his father, waiting. Pen? Interesting? Pavilion wWw. ｂiquge。 The venerable Wall Street emperor made him wait, himself looking at the world outside the window with an endless glory: this is his empire. And what made him even more proud was that no one could challenge his majesty.

No one. Even John. Davidson. Rockefeller, although he has the world's richest personal assets, although the Rockefeller empire still has the possibility of challenging the Morgan empire, but in any case, at least for now, the Rockefeller empire can no longer be compared with the Morgan empire; After it, the same was true of the Mellon Empire.

But who else but Rockefeller and Mellon has what it takes to be a challenger? Not a single one. Although there are times when he expects to get some rivals, the Wall Street emperor has to admit that at this moment, he is unbeatable.

"Last time, Qin Lang told me that invincible powerhouses always feel lonely." Morgan slowly turned around and looked at his son.

"I don't understand what you mean, father." Jack. Morgan replied.

"Okay." Morgan paused, "What's new about our little friend?" ”

"There's no news yet." Jack. Morgan continued, "It was just a telegram from Messerschmitt that Qin Lang ordered him to go to Dayton to investigate and, in due course, visit a pair of brothers there, Wilbur. Wright and Orville. Wright, bicycle builder and repairer. ”

"What does Qin Lang want to do?"

Messerschmitt didn't know, and Qin Lang didn't give him more detailed information. He wondered if we had any information about those two men. ”

"Hah!" Morgan shouted, then laughed, "Our Mr. Spy is always played around by Qin Lang. Interesting, really funny. ”

"Maybe this Mr. Spy isn't as good as we think he is." Jack. Morgan said.

Morgan shook his head. 'He's good, but it's not enough. Qin Lang was an opponent he had never encountered. Luckily, our children, although very shrewd, are not yet capable of eliminating all hidden dangers. ”

"Yes, father." Jack. Morgan was slightly smug. So far, the spies he sent are still working, sending back many messages, doing a better job than Messerschmitt - the only problem is that none of them are high enough to have access to something of real value - but it is only a matter of time.

He let himself be comfortably happy for a moment, and then asked, "Do we need to send someone to find out about the brothers?" ”

"There's no need." Morgan shook his head again, "We just need to figure out what Qin Lang wants to do next." It is certain that he will have a big move and ...... soon" He was silent for a moment, then continued: "You know, II. When I decided to invest in Qin Lang's company, I was not fully convinced that he would be able to repay all the funds and pay the profits before the stipulated deadline. I'm sure the same is true of Rockefeller and Mellon. ”

"Maybe we should cause him some trouble." Jack. Morgan suggested.

In a way, Qin Lang is a potential threat: he develops quickly and has not made any mistakes. If this continues, he will eventually build a consortium and become the new challenger to the Morgan Empire. As the next emperor of the empire, Jack. Morgan believes that this situation should be avoided.

But his father saw it completely differently than he did.

"Nope." The Wall Street Emperor looked up sharply and said to his son, who was listening carefully, "There's no need to do that now, my son. Qin Lang will be your opponent, but now I want to know how far he can go. I hope he will surprise me more. ”

Jack. Morgan didn't like the decision: at any given time, it was always safest to nip a potential threat in its cradle, rather than watch it develop freely with expectant eyes.

But he couldn't oppose his father.

"I'll find out what he's planning, father." That's what he meant—after all, the extent to which Qin Lang could do was also the information he wanted to know.

Of course, if Jack. Morgan knew about Qin Lang's new plan...... If. However, there are not so many ifs in the world, and the situation is clear: Morgan is not aware of Qin Lang's plan because his spy has not yet received any news. So far, there are only two people who know about the plan: Rachel and O'Connor. And it's less than a minute.

A minute is just a brief moment, and it's not enough to make them think about a lot of questions. For Qin Lang's plan, Rachel and O'Connor only have one feeling now.

"Your plans are always unexpected, Qin."

Qin Lang raised his eyebrows. "What else?"

"Frankly, I don't know what to say about your plan." O'Connor shook his head and turned to Rachel, but all she could do was smile wryly. "I haven't figured it out yet."

"What's the problem?" After thinking about it, Qin Lang changed his way of asking questions: "What is trapping you." ”

O'Connor exchanged a glance with Rachel, and then the word was given to Rachel. "That's right," she said, "as I understand it, you're going to expand our company into a consortium, right?" ”

"There is no doubt about it." Qin Lang nodded.

"So you decided to get involved in the financial industry and set up a bank."

"That's right."

"What baffles me then is that, as we know, all the consortia have big banks with deep capital, but what you're going to build is a series of small savings banks." Rachel spread his hands, "You're completely unconventional. ”

"Yes." Qin Lang still chose to admit - there is nothing to deny, it is all facts.

But the facts were incomprehensible to Rachel and O'Connor. "How did you come up with such a plan? To avoid a direct collision with a large bank? ”

"That's just one aspect." Qin Lang took a sip of his drink and continued, "More importantly, I think doing this can win us more benefits." ”

"Please explain in detail, Qin." Rachel tapped on the table. It's always like this, every time Qin Lang likes to use a few vague words to briefly describe his crazy ideas, making the audience rack their brains to find a more accurate answer, while he himself laughs secretly on the side.

A habit full of bad tastes. But she's had enough.

Of course, ladies, especially young and beautiful ladies, usually have their requests met. Rachel needed a detailed explanation, and Qin Lang gave her a detailed explanation.

That would be long, though. "As for my assumptions, I think we should start with the current state of the financial industry," he said, taking another sip of his drink, "as people know......"

As is known, first of all, now—of course, the nineteenth century—the big commercial banks don't have to actively look for business, they don't have to open branches, and even if they don't do anything, business will come to their door; Second, almost all companies today are unlimited liability companies, which means that if the company is in debt, shareholders who hold shares will encounter creditors knocking on their doors; Third, in order to avoid debt, minority shareholders can only buy blue-chip shares of large enterprises such as railway companies that have the support of a consortium behind the scenes, and usually entrust the management of the shares to the consortium, and they only hold an equity trust certificate; Fourth, 60 percent of the stocks in the New York stock market are railroad stocks; Finally, the vast majority of large banks refuse to save small amounts, so many states simply prohibit the establishment of banks......

"Wait, Qin!" O'Connor interrupted Qin Lang, "I didn't realize it just now, but now I remember, since many states, and mainly the western states, prohibit the establishment of banks, how can we open new banks?" ”

Qin Lang didn't answer, because Rachel had already answered in his place. "There is no prohibition in California."

"I'm sorry." O'Connor raised his hands in his embarrassment, "Please continue." ”

"I think I already know what he's thinking." Rachel took Qin Lang's place again, "According to the current situation, small businesses lack access to raise funds...... In fact, there are almost none, stocks don't sell, big banks don't lend small loans, and they refuse to save small amounts, so the low-income class has to keep their little money at home – but in fact, it's a huge fortune. ”

"Great wealth? Low-income people? "O'Connor can't connect them yet.

"Yes." Rachel was already excited, "For example, the Great Viper Arms Company has six thousand workers, and if they all have ten dollars in our bank, then that's sixty thousand dollars. ”

"That doesn't seem like a high number relative to six thousand."

"But it's equal to the total amount of money a jeweler like my father could put in the bank. Sean, however, there are many more ordinary workers than jewelers, as well as small clerks for farmers, businesses and government agencies. This kind of customer makes up the vast majority of the U.S. population, and if we can pool all the money they have, it's a huge fortune. ”

"Of course that's unlikely -- I mean pooling all of that money together." Qin Lang took over the right to speak, "But if we can get one-third of the workers, farmers, and small clerks in the United States to deposit one dollar a month in our bank......"

"Okay." O'Connor began to admit that his plan was brilliant, but not very good, "but how can we bring your vision to life?" Those small, private banks will be our competitors. ”

Small banks? Qin Lang's plan was simple. "Then defeat them."

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Note: The official full name of Morgan's son is Jhon.Pierpont.Morgan.Jr, that is, Johann Pierpont Morgan II (to be continued, if you want to know what happened next, please log in to the www.qidian.com, more chapters, support the author, support genuine reading!) (To be continued.) )