Section 84 Banks

"Bang bang bang!"

Outside the big stone room, Yang Chao's subordinates really liked this kind of gun, although it was a little heavy, but they liked the very powerful feel of fighting, and it could fire continuously, before the submachine gun appeared, this was the best weapon, and the Mauser pistol could have been used but the submachine gun. Pen, fun, pavilion www. biquge。 info

"Rest assured, there are bullets."

Yang Chao encouraged the soldiers to practice marksmanship, and once Mauser transferred the machine and equipment, the bullets could be made themselves.

Ma Huowa didn't like it very much, the gun was too ugly, there was no beauty, he felt that it was these turtles who had never seen a pistol that were so rare, so he had no interest in playing at the shooting range, and quietly slipped back to his house when he had nothing to do.

Ma Huowa also occupies a room in the big stone house, which is neither big nor small, 90 square meters.

"Master, it's so noisy."

As soon as Mrs. Feng saw Ma Huowa, she complained, and at the same time touched her belly with her hand.

Ma Huowa snorted, and when he saw his daughter-in-law's belly, his heart was hot for no reason.

This woman is also a palace maid, and later married him after Zhang Guozhu's daughter-in-law made peace.

Ma Huowa was not interested in marrying a Chinese woman before, but when he got married, he was satisfied, as if he had discovered a new world, and the well-behaved and submissive Chinese woman made him feel like he was trapped in cotton and couldn't extricate himself.

At the same time, Ma Huowa also felt very uncomfortable, he felt that his fighting spirit seemed to be slowly eroding, the idea of getting ahead and realizing his ambition began to fade, this change made him feel panicked, what he had been holding on to for ten years suddenly seemed to be meaningless, so his previous life was not meaningless, completely denied.

"Master, master!"

Mrs. Feng was coquettish.

"Uh, Cuihua."

"Sir, let's move out. Stay away from here and move to Dongying Village, I told Sister Huang where she is, her vegetable plot can be sold to us, let's build a house to live. ”

Cuihua's excuse was that she was noisy, and the dozens of soldiers in the big stone room were shooting on the playground next to her, but she actually didn't get along with some women here, because she married a foreigner, and there were always people who made irresponsible comments.

"Okay."

Ma Huowa agreed, he felt as if he couldn't refuse this woman, which made him feel very new, and he stepped into a new world.

Yang Chao also hit a box of bullets, with great stamina, and his arms were sore, but the accurate head was really not good, and he bounced upwards as soon as he hit it, and secretly recalled in his heart that this gun seemed to be obliquely obtained, and he jumped up on guard, so he shot the gun sideways, but it was still inaccurate, and it was not adjusted, but it was easy to hit the target next to him.

However, as long as you get used to the nature of the gun, it is said that the bandits with the gun can still shoot every shot.

Zhan Tianyou has been working hard to build the railway, and the progress is as fast as ever, even faster than in the past, because of experience.

Wu Peifu's group of students are still on the way.

The steel mills built by the Americans are still under construction, and so are the arsenals.

Yang Chao was also idle for a while, and occasionally went to Yantai to have a look, do office work and the like.

They also went to Yantai Wharf to go around, and the construction of the Dutch Port Management Company was also very hard, they opened a mountain to take stones on the island a few miles away, poured the gravel into a huge square with cement, and then put the ship into the sea to build two embracing stone walls.

By this time, the breakwater had almost been built, and a huge harbor pool held a pool of calm water, so that ships could enter the harbor without worrying about wind and waves.

However, the big ship still couldn't get in, because it couldn't get to the wharf, the water level of the old wharf was too shallow, and the steamer of more than 500 tons could still only wait outside the outer wharf and use small boats to reverse it.

However, the new wharf has been under construction, starting from the old wharf, has been stretched out to the port basin to repair, and so on to the center of the port basin, it is enough to let the 10,000-ton ship dock, but the amount of work is very large, but also to install some gantry cranes and other large hoisting equipment, the end of next year to complete even if it is fast, the completion of the middle of the next year is normal.

Originally, I thought that the wharf would be completed first, but now it seems that the railway will be completed first.

This series of projects can be regarded as hollowing out Yang Chao, and his spaceship plunged headlong into the 10,000-meter-deep trench and never came back.

At present, he has saved twelve tons of gold and one hundred and thirty tons of silver, and Yang Chao plans to wait until February to get the spaceship back, because all his funds will be exhausted by then.

Fortunately, Zhan Tianyou saved him a lot of money by repairing the railway, and almost all of the engineers and 50,000 workers now work for free, so Yang Chao only needs to pay more than 5 million US dollars for materials, totaling more than 7 million taels of silver.

However, Yang Chao's promise will not change, 30 million taels of silver as the capital of the railway, because it has been promised a long time ago, the amount of funds not only means operation, but also relates to the shares of these engineers, if the promised money is saved because of the construction, it is equivalent to diluting the value of these engineers' shares.

But Yang Chao really had no money, no real money, so he planned to open a bank, use the ten tons of gold and hundreds of tons of silver as reserves, and then print a large number of bank rolls.

In fact, the reason why Westerners can afford to invest a lot of money abroad is not because they really have so much real money in their hands, but because their capital and credit accumulation after industrialization is strong enough, so they can issue a large number of paper money, and if they exchange all the paper money of various countries into their banks for gold, even the Bank of England will go bankrupt.

The British dared to issue ten taels of banknotes if they had one tael of gold, and the reserve rate of later generations rarely exceeded ten percent, that is to say, it was basically safe to issue ten times the number of banknotes, provided that there was no malicious run.

Soon an application for the establishment of a bank was sent to the Household Department.

Although the imperial court was slow, it was also slowly adapting to the development of industry and commerce, and before the establishment of the Ministry of Commerce, the permission to open industry and banks was issued by the Ministry of Households.

At this time, the head of the household is Natong, this product is a big corrupt official, and Prince Qing Yixuan sells official beards together, buys and sells officials, and clearly marks the price, and the two are nicknamed Qingna Company.

But now that the emperor is courting Yang Chao, Na Tong doesn't dare to stop it, and Yang Chao's application is quickly approved.

But as for people, it is not easy to find personnel, and Yang Chao does not have talents suitable for starting a bank.

It is not so simple to set up a bank, China's first private bank, which was not opened until 1908, called Siming Bank, was opened by a group of Ningbo compradors in Shanghai, and those people had to join hands, not to mention Yang Chao.

Yang Chao has no one in his hands, but Sheng Xuanhuai has it in his hands, and he thinks that although he has no deep friendship with Sheng Xuanhuai, he has no grudges, even if Sheng Xuanhuai doesn't give his face, but Yuan Shikai's face must be given.

So he first telegraphed to Sheng Xuanhuai for a while, and then asked Yuan Shikai to help intercede, Sheng Xuanhuai sent a telegram to restore that Yang Chao didn't treat him as a friend too much, and such a trivial matter, he still used a third person to work, and then sent someone to Yantai.

This person is called Xie Lunhui was born in Yuyao, Zhejiang Xie family, the family has been farming for generations, he was forced to make a living when he was young to Shanghai, and was introduced to the Xiankang Qianzhuang of the Qianzhuang tycoon Chen Shengjiao as an apprentice, and a few years later got Chen Shengjiao's weight, and the affairs of the Qianzhuang were handed over to him to take care of.

Chen Shengjiao later initiated the establishment of the North City Money Industry Association, Chen Shengjiao and Zhenhai Fang Xingzhai and Jinshan Huang jointly established the "Chengyu Money Village", the cause is getting bigger and bigger, has become the mainstay of Shanghai money industry, Xie Lunhui has been as a right-hand man to assist him, has accumulated rich experience in the silver money industry, and is recommended as the manager of "Chengyu Money Village". Under the management of Xie Lunhui, the business of Chengyu Bank is thriving, and after several years of operation, Chengyu Bank has become a leader in the industry.

In the twenty-third year of Guangxu (1897), Sheng Xuanhuai promoted the imperial court to establish the China International Commercial Bank, and appointed two Taipan (managers), one for the foreigner Taipan and the other for the Chinese Taipan, the first Chinese Taipan was Chen Shengjiao, and after Chen Shengjiao's death, Xie Lunhui became the second Chinese Taipan.

Of course, this is a later story, Chen Shengjiao was still alive at this time, so Xie Lunhui only replaced Chen Shengjiao as the chief director of the North City Money Industry, and was one of the leaders of Shanghai's money industry.

"Mr. Xie, look up for a long time!"

After seeing Xie Lunhui's famous post, Yang Chao immediately walked out of the yamen, and saw a middle-aged man in his fifties waiting.

"Xiaomin Xie Lunhui meets Lord Yang."

When Xie Lunhui saw Yang Chao, he immediately wanted to bow down.

Yang Chao hurriedly stepped forward and dragged him down: "The old gentleman doesn't need to be so polite, please come in quickly." ”

Then he cordially took Xie Lunhui's hand and walked into the yamen together.

"Mr. Xie, Master Sheng should tell you what I mean."

Yang Chao asked straight to the point.

Xie Lunhui nodded: "Master Sheng said, Lord Yang, you want to run a bank!" ”

Yang Chao said: "That's right. I have already applied to the household department, and the household department still agrees and allows me to send a bank roll. ”

Xie Lunhui nodded, the household department is not easy to agree to others to run a bank, generally no one is willing to run a bank, Chinese businessmen are more willing to run a familiar bank, but at this time the money bank is not much different from the bank, what is in the foreigner bank, what is in the bank, in addition to the foreigner standing at a higher level, can mobilize funds around the world, and the money bank is only limited to Jiangsu and Zhejiang, deposits, loans, exchange should be a lot, and even the banknote in a certain sense, and the role of the foreigner's paper money is the same.

"I don't know what kind of business Lord Yang wants to run?"

Xie Lunhui asked.

Yang Chao said: "We will do what other banks do." ”

Xie Lunhui asked again: "I don't know how much Lord Yang has raised?" ”

Yang Chao smiled: "300,000 taels of gold, 3 million taels of silver, I don't know if it's enough?" ”

Xie Lunhui said with a smile: "To be a bank, there is no enough, there are more ways to do more, and there are few ways to do less." ”

This person is not slow or sick, he is not frightened by Yang Chao's strong capital at all, he still looks calm, and he is obviously a person who is used to seeing money.

His attitude made Yang Chao feel a lot more relieved, and then carefully discussed it and formulated the charter together.