Chapter 738 (I)

Today's banking industry. It is the two giants that each occupies half of the country, and the first step is the 'Huilian', which invented a series of financial instruments, applied many new management ideas, and with the financial support of Suzhou businessmen, it has opened the semicolon all over the north and south of the river, and is recognized as the executive industry.

But the 'Rishenglong' that followed closely behind it can not be underestimated, they created half a year later than Huilian, and there is no invention and innovation, but from all aspects, highly imitate the former, and even the shopkeepers and heads in charge of operation are all smashed out by the wealthy Huaiyang salt merchants.

Yes, the boss behind Rishenglong is none other than the rich Huaiyang salt merchants, with incomparably strong financial resources and deep connections in the northern provinces, they are also out of control and occupy a dominant position in the north; Although the economic disparity between the north and the south makes Sunrise far inferior to Huilian in terms of the number of branches and the total amount of deposits. But they also have their own advantages, that is, they are in the same breath as the Jin merchants. With the help of the Shanxi Gang, it not only became the first choice of the Qin Merchants, Lu Merchants and other northern merchants, but also successfully won the city of Beijing!

At least in the eyes of the dignitaries in Beijing, Rishenglong has greater strength, and the image of Shanxi businessmen who have always been conservative and honest will obviously make people feel more comfortable handing over their money; What's even more threatening is that the deep officialdom connections of the Jin merchants give them a greater political advantage, and once the two silver trumpets conflict, it is really not certain who will die.

This has always been a deep hidden danger for Huilian, Peng Xi, Pan Tuo and others have also tried to get through the joints and go to the door, and Xiyi has also been favored by Beijing officials; But over the years, the silver has not been spent, but the effect is not optimistic...... Those uncles who are accustomed to filial piety will not really take filial piety to heart, and if they want to recover their political disadvantages, they obviously can't just rely on stupid money.

In the confusion, Peng Xi finally found the silent textbook, and after studying it carefully, they found that those simple words were actually the truth...... If you want to prosper forever and become a truly powerful bank, you must first take deep roots in the people, and when you are inseparable from the people, you will have the confidence to speak, no matter who is in power in the DPRK. Be polite to you.

But the development of the Huilian to the present, although the name is like thunder, but from the ordinary people, in fact, there is still a distance. Because of cost considerations, when the silver number accepts the account opening, the minimum standard is to deposit one hundred taels at a time. You may never have the opportunity to stand in front of the wooden fence of the silver number and fill out a deposit slip in your life.

Moreover, the people use the most in their daily lives, that is, copper coins and broken silver, which can last for one or two taels at a time, and the best banquet is only two or five. The minimum denomination of the silver ticket issued by the silver number is also one hundred taels, which is not used at all. Therefore, this silver ticket has been issued for so many years, and it can only be used for transaction settlement between businesses and large households, which is far away from the daily life of ordinary people.

"So the rise and fall of our 'Huilian' really has nothing to do with ordinary people," said so much, Peng Xi felt a little exhausted. Smiling silently and apologetically, he took out a delicate snuff box from his arms, shook it in his hand, unscrewed the lid, put it on the end of his nose and sniffed it, couldn't help but shudder, his spirit was lifted, and he continued: "Just earning money from rich people is really trouble-free, but when people take care of us, it is also trouble-free." Therefore, we have to let the people come in, and those who win the hearts of the people win the world, although we are plotting the world of the banking industry, we also want to win the hearts of the people! ”

"Well, it's insightful." Silent bowed his head in approval, motioning for him to continue.

Seeing the encouragement of the adults, Peng Xi said happily: "The issuance of small bills is the solution, and the people have no money to deposit, but they have to spend money, right?" Seven things to open the door with fewer words, which one doesn't cost money? If silver can be spent, why can't we spend our small bills? ”

"Can the common people recognize it?". The shopkeeper said worriedly: "What if it is regarded as waste paper like Daming treasure banknotes?" ”

"That's what I said." Peng Xi said: "The silver tickets of one hundred and one thousand taels have been recognized, what is there to worry about now?" Let's write on the face of the ticket, 'full amount, full value, pay at any time', with the name of our Huilian number, does anyone still believe it? ”。

Everyone laughed, and the laughter was full of pride, yes, we all paid the tens of millions of taels of silver at sight, and there was no ambiguity. Who would think that we are paying off on small bills?

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The people in the room gradually became excited, and someone said loudly: "This is a good idea, as long as our small ticket is promoted, then the north and south of the river will only recognize us as a 'Huilian' family, and the days of Rishenglong will not be easy!" ”

Some people say that although the money in the hands of the common people is small, but they can't stand the number of people, we use these silver tickets to gather the scattered silver in their hands, gather sand into a tower, and accumulate water into a river, which is definitely a terrifying number, and there is no need to pay interest, this interest money can sit down at home.

The crowd vied with each other to speak, and the atmosphere became more and more enthusiastic, and they discussed loudly the benefits of issuing small tickets, and felt more and more that this was a great thing and should be done immediately.

Listening to everyone's speeches silently and quietly, the smile on his face was a little elusive, in fact, Huilian has developed to this day, and the credit in the provinces of Daming has been established; And it has also explored a set of mature anti-counterfeiting technology...... First of all, the semicolon does not have the right to issue tickets, and all the silver tickets are made from the headquarters of Huilian in Suzhou City in a way of extreme secrecy.

The painstaking production process can be seen only from the materials: the silver ticket paper of the Huilian number is not rice paper, hemp paper, silk paper, and kraft paper. It is completely different from any kind of paper on the market, it is not afraid of water immersion, hand tear is not broken, the feel is extremely heavy, you can feel it when you touch it, it is said to be made of more than 100 kinds of materials, no one knows the formula; Equally mysterious is the use of ink, even in different positions on the same silver ticket...... For example, the words 'Huilian' will change from green to dark blue in daylight, while the handwriting indicating the amount will change from black to purple, and no one can figure out what its composition comes from.

Among the new silver tickets issued this year. And added a watermark, when you look at it can't be seen, put it up and shine in the light, you can see a 'silver' word, very magical. The combination of these hard-to-crack techniques, coupled with a well-established secret detention system, has resulted in no cases of forgery even after the launch of the Huilian Silver Ticket.

On the other hand' Rishenglong', because it is impossible to know these anti-counterfeiting technologies, the silver ticket will not reach the level of the Huilian number, so it has to take the road of secret anti-counterfeiting, such as using the drawer's handwriting to prevent counterfeiting, and outsiders look inexplicable secret language passwords, etc., so carefully checked, it is difficult to forge; but this method can not be extended to the small amount of money, because the characteristics of small amount of money tickets are massive, but will circulate in the people, the people can not every transaction, but also have to take the silver number to check the authenticity; the silver number does not have so much manpower, can be compared one by one.

The method of Huilian inspection and anti-counterfeiting, because it can be learned by the people, does not have this problem. Therefore, once a small ticket is issued, it is the moment to really distance itself from Sunrise.

In Shen Mo's view, the issuance of small-amount bills, in addition to bringing many benefits to Huilian, is more important to effectively promote the development of industry and commerce in the southeast, and is also conducive to its own regulation and control of the southeast economy.

You know, if this small amount of money can really circulate in Daming, it will become an actual banknote...... Although the actual payment is promised, when the credit is established, the convenience and weariness of the coin will be greedy, and the number of people who ask for the exchange will be only a minority.

The real money waiting to be exchanged will sleep in the vault of Huilian, but will be used in the capital market by Huilian. This means that Silence will have a huge amount of capital in his hands that is much more than his own wealth. While chasing profits through investment, borrowing, buying stock exchange bonds, etc., it can also easily stimulate the prosperity of an industry through changes in investment direction. It can also easily drive an industry into the abyss...... This is because in an era when the commodity economy is becoming more and more prosperous, the scale of industry and commerce will develop far faster than its own accumulation, and the demand for financial loans will be unprecedented, and as the master of huge capital, the ability to control and regulate the national economy is enormous, and even the government that lacks control cannot compare with it.

If it is said that Shen Mo established research institutes and engineering colleges in order to improve the tools of production; The establishment of an innovation mechanism and the introduction of foreign talents are all aimed at promoting the development of productive forces; Then his efforts in finance are to boost this process, so that the society has enough capital to digest new technologies and new tools, so that they can be quickly converted into wealth.

After all, if you want to make your personal vision the pursuit of the whole society, nothing is as convincing as real money.

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It took a whole day to finalize a number of details with the shareholders and treasurers of Huilian, such as what is the total amount of issuance? Will it insist on issuing the same amount as the depository bank, or will it expand to many times? And what are the redemption procedures? how to get the people to accept it, etc...... These were all very complex issues, and the discussion continued into the night.

Considering the schedule, Shen Mo fought with everyone at night, and even discussed the meal, until the next day, when the first draft was drafted. Seeing that everyone was exhausted, Shen Mo waved his hand, let them go back to sleep, and agreed to discuss it the day after tomorrow.

Shen Mo was finally tired, he looked at the Western clock in the corner, there was still an hour before the date with Lao Ouyang, and he didn't wash it, so he quickly lay on the bed with his clothes, ready to squint, and before going to bed, he didn't forget to tell the guard that he must wake himself up on time. In a few moments, his snoring was up......

I don't know how long I slept, but I felt as if someone was talking in a low voice outside, as if someone didn't let me wake me up, and someone else had to do it...... He sat up forcefully, looked at his watch for only half an hour, and couldn't help but say dissatisfiedly: "Really, it's going to ......be noisy even if I fall asleep for a while."

There was no sound outside, but Shen Mo also knew that no one would bother him if there was no big incident, and rubbed his sore temples and said, "What's the matter?" ”

The outsider didn't answer immediately, and Shen Mo was just about to ask a second time before he said to him: "My lord, Hangzhou is urgent!" ”

Shen Mo suddenly fell asleep, and said in a deep voice: "Take it in." ”

The door opened, and the dusty messenger entered, kneeling before him with a bamboo tube held aloft.

Shen Mo took it, tore open the seal and fire paint, pulled out the letter paper in it, took a quick look, his face was blue and white, and he punched the edge of the bed and said: "Clean up, prepare to go back to Hangzhou!" ”

Sanchi walked in when he heard the sound, and knew that something big had happened when he looked at the face of the adult, and he didn't ask the reason, but only asked if he needed to notify the people in Suzhou.

"Just let Gui Youguang come alone." Shen Mo muttered: "And Zheng Kaiyang, tell him that I am leaving soon, and he will come over if he wants to go back with me, otherwise he will be invited to come and go." ”

The three feet led the order down, and the people below began to clean up, in fact, there was nothing to pack, only some books and gifts received, and soon they packed up and were ready to set off at any time.

Gui Youguang also hurried over, and said in surprise: "Isn't there still two days?" Why did the adults go back early. ”

"Plans can't keep up with the changes." Shen Mo lowered his voice and said, "Zhang Zhen is seriously injured, and he is about to die......"

"Ah......" Gui Youguang said: "But that governor of Jiangxi and Guangdong? ”

"It's fine if it's not him......" Shen Mo took a deep breath and said, "I'm having a lot of fun now, I have to go back and deal with the situation quickly." ”

Gui Youguang knew the seriousness of the situation, and hurriedly said: "That's still the right thing." Without waiting for Shen Mo to instruct, he said: "My lord, let's go, Lord Ouyang, and Old Man Peng, I'll explain." ”

"Good." Shen nodded silently and said: "Your next focus is to try out my system of introducing talents in Suzhou, be cautious, if you go crooked at the beginning, you will be in trouble if you want to come over in the future." ”

Youguang followed Shen Mo and walked out, and replied softly: "Don't worry, my lord, everything here has me." ”

As he spoke, he silently got into an inconspicuous carriage, but still didn't see the figure of the man, and couldn't help but sigh with some disappointment: "I'm leaving, you don't have to send it, you don't have to move too much." ”

Gui Youguang responded softly with a smile on the corner of his mouth, and watched the carriage run towards the official ship wharf.

When they arrived at the dock, the ship was ready, and when they looked back silently, there was still no one, so they had to step on board and enter the cabin.

As soon as I entered, I saw two people sitting in the cabin drinking in a big way, and I was stunned for a moment, and when I saw one of them clearly, I was happy again: "Why are you here?" ”

The person with his back to him turned his head and smiled, "Didn't you invite me here?" Do you want to drive me down again? "Look at his shrimp-like old face and three wisps of goatee, isn't it Zheng Ruozeng, who can't wait for him?

"Huh...... Sir, don't make fun of me......" Shen smiled happily, looked at a middle-aged man sitting opposite Zheng Ruozeng, and arched his hand: "Who is this gentleman?" I saw that the man was forty or fifty years old, wearing a dark blue robe, with a strange appearance, fairy wind and bones, and he was not ordinary at first glance.

That person didn't have such a big frame as Zheng Ruozeng, so he got up and saluted: "In the middle room of Wang Yinzi." ”

Shen Mo was surprised when he heard this: "But the famous Wang Shiyue? ”

"It's just that." The man chuckled. Speaking of this Wang Yin, but he is a famous priest in the southeast, he did not learn Confucius and Mencius in his life, but he loves the study of yin and yang in the ghost valley, knows the battle of battles, is good at calculation, and has a deep knowledge of conspiracy and conspiracy...... He was Hu Zongxian's fellow countryman, he entered the Shogunate very early, and he planned all the battles large and small, and he never left a last resort, and made great contributions to the victory of the anti-Japanese war; But two years ago, he shirked his illness, left Hu Zongxian, and lived in seclusion in Huangshan, no longer going out of the mountain even if he was called.

Later, Hu Zongxian was very sad, and when he returned to his hometown, he personally went to Huangshan to see him and asked: Why did Mr. abandon me? Do you think I'm not a rich and noble person? Wang Yin replied: "I'm leaving for your own good, if I stay any longer, I'm afraid I'll be pushing you to the point of no return." Hu Zongxian was silent after hearing this, stayed on the Yellow Mountain for a night, and then went down the mountain, and never asked him to go out of the mountain.

Such a confidential conversation, of course, only each other knows, and Shen Mo also heard Hu Zongxian talk about it, so he knew that there was such a powerful person. When I wanted to invite my friends, I didn't dare to disturb others at all, for fear of humiliating myself, but I didn't want the other party to come uninvited.

Of course, for the sake of prudence, Shen Mo decided to talk about it after the boat, ordered someone to change the wine and food, joined the banquet and said: "The two wise men are gathered together, I am really happy to be silent, and I will give you a glass first." ”

Wang Yin smiled and took the wine, but he didn't drink it, but glanced at Zheng Ruozeng, who coughed lightly and said: "Actually, Shiyue Gong came to see me, and I also let Shiyue Gong read the book given by the adult, and he was also very interested, so he followed me to meet the adult." ”

Nodding silently, waiting for the two of them to follow, Wang Yin looked at the changing scenery outside the window, and said softly: "I'll just ask my lord, can the above things happen in our China?" ”。

"Yes," Shen Mo nodded heavily, "but this road is difficult and dangerous...... Even in that country, there have been several repetitions, even regressions, several battles, many deaths, and it is still not a success. ”

Wang Yin stopped talking, the meaning is obvious, isn't this the end of the trick?

But he listened to Shen Mo say word by word: "But I believe that once a fire is ignited in people's hearts, it will never be extinguished, and it will eventually achieve complete victory!" ”

Your Excellency said so...... Where does faith come from? Wang Yin asked softly.

"No one wants to be a dog for the rest of their lives." Shen Mo looked at Zheng Ruozeng and said, "Especially after realizing that I can be a human being......"

partition

Finally, after walking the rugged mountain road, I returned to Yima Pingchuan......

Chapter 738 (I)

Chapter 738 Strategizing (above, to the website