In front of the bank, depositors lined up in a long line, mostly shirtless and shirtless men, holding a few silver dollars tightly in their hands, for fear that if they were not careful, the money would be robbed. Pen, fun, and www.biquge.info

Songjiang Money, the minimum deposit amount will not be less than 20 yuan, or in other words, if it is lower than this, the labor cost is not worth it. Therefore, most money banks will not accept deposits of less than 20 yuan, and some will charge a service fee even if they do, and there is no interest to be paid on silver dollar savings. If you want interest, you can only go to the bank and exchange the silver dollar for silver first.

However, for a large number of ordinary people in Songjiang, 20 yuan is a savings that they may not be able to have in their lifetime. The five or six dollars they had accumulated through hard work had not been collected by the bankers and kept at home, and they had to worry about losing them. In the end, I had to take it to my fellow villagers to "bid for the meeting".

In this form of meeting, the guarantee of funds cannot be discussed, and the head of the meeting will be lost, and all the net worth will be lost, and even people will be killed, which is also something that cannot be helped. In addition, there is the possibility of taking the money to the casino to fight big with a small one, and eventually losing all of it. More are sent to the swallow's nest, in exchange for swallowing clouds and spitting fog, and the money is gone with the green smoke.

After the establishment of Shandong Zhengyuan Bank, this bank, known as the first women's bank in Songjiang and even in the southeast, quickly became famous in Songjiang with three measures: a minimum deposit of one yuan, a women's counter and 24-hour service. In the stock market crash, ordinary people's money was not saved in the bank, and they were not qualified to subscribe for shares, but they were alive and dead, but they could stay in their hands.

The figure of eight million taels was thrown out, which was a reassuring pill, and with the official affairs of the governor of Liangjiang stamping the big seal, the market in Songjiang gradually stabilized. Prices have fallen, and there are welfare agencies to distribute porridge, so these people can keep the money in their hands. If you deposit it in the bank, you can have a guarantee and an interest rate of 2% per year. Although the number is small, it adds up, and it is a hope to save it.

In addition, it is also a shameful thing for a bitter brother who lives in a shanty house to take a passbook back and bring a seal with him. Among the poor, it can also be regarded as an identity, proving that he is a responsible person, can accumulate a net worth by labor, and is not a gambler, smoker or drunkard.

In the office of the chairman of the bank, Chen Lenghe quickly dialed the abacus while sorting out the account books, "In five days, our small deposit figure has exceeded 23,000 yuan. It can be seen that Songjiang's economic potential is still very large, as long as the private funds are well tapped, there is no worry about not being able to raise financial resources. Although these people have less money, they are better than stability, and when they deposit this money, they generally do not withdraw money, and they are good savers. ”

Zhao Guanhou's speed of dialing the plate is not as fast as her, but the speed of settling accounts is not inferior to her. "Behind this, it is the efforts of everyone below you, the boss. If it weren't for the extraordinary times, the labor cost would be a lot, and others might not be willing to do it. Ah Mao Ji, Shuigen Ji, there are too many names like this, the seals and folds are not easy to arrange, and the people below are also very hard. ”

"I know that starting a business is the hardest, and when you start working, it's definitely going to be a little harder. Fortunately, if you set up this diversion system, yes, big households have big rooms, and there is no need to queue up, otherwise these small depositors will block the big depositors from entering, and it will not be a problem. The big families have Dutch water to drink and a little bit to eat, which is very good, but let the women receive them, this ...... The reputation is not good. ”

Zhao Guanhou spread his hands and said: "Actually, it's just such a thing, if there is no ghost in your heart, it doesn't matter if you receive it." There is a ghost in my heart, I don't receive it on the surface, and I make an appointment to go out behind my back. The fourth general atonemented his sins, performed well, brought you a few big households, and deposited 180,000 yuan to you back and forth. I don't believe that they have no intentions for the reception staff, but I don't believe that they dare to take advantage of the opportunity to blackmail. Let's not talk about the official affairs of my Liangjiang governor, that is, the defense of me, the governor, they also have to weigh the weight. What's more, there are patrols outside, and there are also the little bosses of the Cao Gang, so everyone has to consider their net worth. ”

Chen Lenghe also knew that what he said was reasonable, and then looked at his hot and sweaty appearance, his heart was sweet, and he asked, "Are you hot?" I'll go get you some Dutch water. ”

"No, you're the chairman, you're the biggest here, I can only be your big buddy, I'll go get you Dutch water."

The two drank a few sips of soda, and Zhao Guanhou's hand drew on the account book, "Look here, the guy who took out the loan has a big appetite, and he wants to borrow 200,000 taels of silver in one go." The interest is four percent, six percent, and two percent. It's a bit strange that there are three big digital loans like this in five days. ”

Chen Lenghe said: "These three people are silk merchants, now is the time to collect silk, if there is not enough silver to collect silk, it will not be collected." Silver is needed to collect silk, and the silver in Songjiang market is too tight, and we are the only place where they can lend such a large amount of money. However, I will not agree to this interest, such a large number, I always have to set the interest at 6%, and let the specific lender negotiate the rebate, no matter how much. ”

"It's easy to talk about interest, but will the debt be broken?"

"That's not true, my father also knows these businessmen, they are all famous businessmen, and their families have real estate and real estate, and they also took out the title deed as a guarantee. I have calculated, those fields are enough to pay their debts, and even if they take the money and run away, we will not suffer. What, you're worried? ”

Zhao Guanhou nodded and said: "I'm not worried, I think there must be a problem, I have asked Jensen to check, a newly opened bank for five days, there are so many three loans to the door, it seems to be a very good thing." But if it is Zhang Renjun's face, things are easy, and they didn't mention the name of the person or take the official or famous assassination, which proves that it was not introduced by the army, which is strange. If things go too well, there will be problems. If you think about it, the three loans add up to almost a million, what a big position that is. If an ordinary bank takes out so much cash at once, the next money will inevitably be nervous. ”

This reason is very simple, and Leng He also understood, "Yes, if you withdraw three sums of money, and then the depositor comes to withdraw the money, things will not be good." As soon as the bank was established, its prestige was insufficient, and then the news that the bank was sold out was already a soldier, and now they thought that the bank was going to eat the reverse account and would inevitably have to queue up to withdraw money. When the time comes, either the banks will really collapse or the market will be completely ruined. ”

Money industry is basically a game of five teacups and four lids, once five teacups need lids at the same time, the trick will immediately have to be goofed. A money industry with a strong foundation like Shandong Zhengyuan is rare, and the extent of its capital is unimaginable to outsiders.

In the past five days, more than one million of the capital defrauded by Mai Bian has been washed away, and at this rate, it will not take too long to wash it off. However, for outsiders, they can only see more than one million deposits and withdrawals, which is already a bit difficult to put on ordinary banks. If the more than one million are released, the pressure will be even greater.

There was a knock on the door, and Zou Xiurong came in from the outside to see the two of them, "Didn't disturb your little two?" ”

Chen Lenghe pointed to a copper bell at hand, "This is the bank, only business is allowed, not personal affairs, he dares to mess around, I will pull the alarm bell like this, let the guards come in and arrest people." Second sister-in-law, don't make fun of me, is there something very important? ”

Zou Xiurong nodded and said: "The bank has just opened, and it is said that it is the time for everyone to go up together, but I didn't expect that now, there are already people who are eating bad things inside and out." The contract for the acquisition of the stock was signed, but when it came to withdrawing the money, it was called back by the stall hand, saying that the silver had been released, but fortunately Yuqing had money, otherwise this ready-made deal would fly. Some time ago, we bought a warehouse, bought land, and bought a factory, and used more than 1.5 million yuan before and after. Now, after the establishment of the bank, it is difficult to withdraw the money from several acquisitions. Also, the few acquisitions that the bankers talked about were not satisfactory, and I think we have thieves here. ”

Zhao Guanhou has been in and out of a lot, millions of cash, and a lot has been used, of course, in the long run, he has gained more benefits. It's just that at the moment, it seems that the bank's money will inevitably be affected, and if someone makes waves from it, it will indeed be difficult to do business.

Chen Lenghe said: "We can't be in a hurry about this matter, first take the name of who talked about a few businesses, and then call the stall hand, I have something to ask." ”

This stall player is Zhengyuan's old stall player, after the money bank was changed to a bank, he was still retained, and he was an old man. Seeing that Chen Lenghe is not called the chairman, he is still called Miss Three. When asked about the loan, he was also straightforward

"I'm just an accountkeeper, the money is not mine, and I don't have the right to decide what to do with it. But since he has served the old man for so many years, he has to be the right owner and think about the owner. This money, if the third lady sets up a fold first, I have nothing to say. If you don't make a fold, you can't say that the money is put here, and you are not allowed to move it, that is not the way to run a bank. The silver of the money must be flowing, and a sum of silver stored in the treasury is equivalent to a pool of stagnant water, and there is no development. Only by letting the money in the treasury flow out, turn into living water, and turn around, can there be a way out. Now that the market is tight, the interest rate is high, and the money has not moved, I will let it out to eat interest. Miss, please think about it, if we put the silver here and don't move, the matter of the embroidery village may not be successful, then this silver is not piled up here in vain and useless? ”

Chen Lenghe's face sank like water, "Let the silver go out to eat interest?" How long the loan period is, where the IOU is, how much interest is there, all of them, I have to look at them now. ”

The stall hand was also prepared, and he was not embarrassed, he took all the things, Chen Lenghe looked at it, and handed the IOU to Zhao Guanhou beside him, "Guanhou, it's better for you to come forward in this matter, let the patrol go to check what the origin of this money bank is, don't let our silver fly." ”

"Don't worry, I'll let Shen Baosheng investigate, he's better than patrolling."

Chen Lenghe then said: "At the beginning of the establishment of the bank, I issued a rule that loans must be completed with my signature. However, this amount of money was decided without my signature. So, you're fired, not only you, but the people who handled the loan. Now, you're ready to do the handoff. ”

The stall player didn't expect Chen Lenghe to react so violently, and hurriedly said: "Third Miss, listen to me, the old man is also thinking about Zhengyuan, and he has no selfish intentions." Besides, how many people died in the rubber stock pit, everyone can't escape, and the third lady still has to buy it, this is to use money to shop the Huangpu River. If the old lady was in charge of banking affairs, she would never let us do the stock ......"

"Now the chairman of the bank is me, and the management of stocks is a joint decision of the shareholders' meeting, and you have no right to interfere. In the past, I didn't care how much authority the dealer had, but now, banks must comply with this regulation. You can hand over the accounts, and if your accounts are still unclear, I will consider reporting to the patrol to arrest someone. ”

Chen Lenghe drove away the stall player, and his eyebrows furrowed slightly, "The semicolon is in the Chinese world, and this phenomenon of self-assertion is probably more serious." These old fellows think they are patriarchs, and they refuse to obey my orders, or do what they do in the past. Uncle Luo Fengchun, the manager of the semicolon, although he is an old friend of my father, but now, I can't rest assured of him. ”

"That's what I said, men are not satisfied with their thoughts under the management of women, even if they are the third lady, once the authority in official affairs is above them, they are not convinced, and subconsciously feel that the decision you made is wrong. The heart is not necessarily a bad heart, but what is done is definitely not in line with your work. My suggestion is that the semicolon side should be managed by the second sister-in-law, and the general number should be managed by Anne, and everyone should be responsible for you. In addition, he completely trusted the managers sent by the Warby Bank and delegated financial power to them, just as the Imperial Court Tax Department used Hurd, which was more reliable than using the Chinese. You old employees of Zhengyuan have no right to withdraw a penny. Of course, this is a bit emotionally difficult to accept, and I am just a suggestion and will not force you. ”

Chen Lenghe nodded and said, "No, what you said is very right, now you have to help or not." You help me to formulate a rule of law, and everyone only recognizes the rules and regulations, not people. lest it happen again. What you said, and I think it makes sense, that someone is digging a trap for us and trying to harm us. ”

"What are you going to do with these loans?"

"Put, be sure to put it. Not only will I have to release a few loans, but I will also release loans in the future. With such generous conditions, why don't I let it go? I'm going to see who wins in the end. ”

Zhao Guanhou looked at her with a smile, "You have orders, I will definitely do it, but the emperor is not a hungry soldier, and he formulates rules and regulations, is there any reward?" ”

Leng He pulled the brass bell like a demonstration, "Be careful, I pull the bell and call the guards, write well, and don't think nonsense." Then he whispered: "Let's go to Hongkou to watch a movie at night, and then go to Honglu to eat powdered fruit." ”

Seeing Zhao Guanhou writing the rules and regulations there seriously, she took the initiative to come to her husband's side, looked at the door, and kissed Zhao Guanhou on the face like a thief, "This is good, if you help Sister Hanzhi write a novel, you should help me make rules and regulations, this is called equality." But speaking of which, I don't understand that we set up a bank to save Songjiang, which is a great thing, why would anyone still sabotage such a thing. ”

Zhao Guanhou said while writing with a quill pen: "What's so strange about this? Isn't it simple that some people don't want the Songjiang market to get better, so they sabotage it? This chaotic market is naturally hoped for by ordinary people to end as soon as possible, but for some people who want to turn things around, it is a godsend. Since ancient times, it is difficult to be a hero unless it is in troubled times. If Songjiang is not chaotic, how can they cause trouble? Our bank is in the way of others, and some people want to calculate us, which is very fair. ”

"You mean?" Chen Lenghe was stunned for a moment, then shook his head and said, "Impossible, you must be talking nonsense." You are an official of Dajin, of course you have to say good things about Dajin, but in my opinion, compared with Dajin, the former is really for the sake of the people. They revolted in order to save the people of Li and overthrow the Tartars, and they would never do anything that would bring harm to the country and the people. ”

Although her husband was the governor, Chen Lenghe praised Ge Ming's face for not changing, and Zhao Guanhou was not annoyed, but looked at her with a smile, "Then, do you want to bet?" Look at the end, who's doing the thing? If you lose...... Know what the result is. (To be continued.) )