"Xu Yiqing has been here, when, what to do?"

Song Zhewu was a little surprised by Sun Jiahui's words! What happened to Xu Yiqing, the general manager of Shanxi Provincial Bank, coming to his company?

"I came yesterday, not only Xu Yiqing, but also Jia Jiying, general manager of Jinsheng Bank, and the two of them came together." Sun Jiahui's words surprised Song Zhewu again.

Xu Yiqing and Jia Jiying are not only rare financial talents, but also very good at managing the industry.

Xu Yiqing, the general manager of Shanxi Provincial Bank, studied abroad in Yueben in his early years, joined the League in Yueben, and served as the General Office of the Army Grain Station of the Republic of China. In the early years of the Republic of China, he first opened a company in Datong to mine coal, and then built an electric lamp company in Taiyuan and founded Jinsheng Bank, Stone Powder Mill, Xu's Flour Company, and at the same time raised commercial shares to establish Yuci Jinhua Textile Company, Taiyuan Jinsheng Weaving and Dyeing Factory, Jinheng Paper Mill, Yangquan Yinying Coal Mining Company, Qixian Yijin Weaving and Dyeing Company, and served as the chairman of each factory. One of the most well-known things is to build Tianyi Canal with Jia Jiying and others in Yuci to irrigate more than 10 million acres of land in Taiyuan and Yuci.

Moreover, this Xu Yiqing is also Yan Xishan's uncle and has won Yan Xishan's trust.

Jia Jiying is even more incredible, Jia Jiying, the word Junchen. At the age of 7, he entered his father's private school to study, in addition to the "Five Classics", "Four Books" and poems and strategies in the examination-oriented education, he also paid special attention to abacus and imitation. By the age of 12, he became a junior teacher in the gymnasium, and when his father was away or sick, he took the place of his father to teach and manage the students in an orderly manner.

When Jia Jiying was 18 years old, under the introduction of his father's Gongheqian Money Village, which was originally in business, as a "shop guarantee", he came to Taiyuan "Dadeheng" ticket number semicolon apprentice. This is a well-known financial institution throughout the country, the owner is the surname Qiao of Qiaojiabao in Qi County, which is a huge wealth in Shanxi, and the head office is located in Qi County, and there are 45 branches are located in Tongdu Dayi or land and water wharves, and the shopkeeper of the Taiyuan branch is Yan Weifan, who later became a financier, businessman and patriotic gentry in Shanxi.

At this time, although Yan Weifan had just reached middle age, he had rich experience in the operation and management of ticket numbers, and he was able to strategize freely, in addition to competing with the domestic ticket number business, whether it was the fraud of foreign powers or the exploitation of local officials, he could skillfully deal with it, and turn the danger into a disaster, so that the ticket number was saved from losses and obtained huge profits. In addition, he also has an obvious characteristic, that is, he is good at discovering talents and reusing talents. Young people in particular, as long as they are of good character, diligent and pragmatic, and dare to forge ahead, they must first arrange for them to practice and temper themselves in the four links of "lending, lending, remittance, and exchange," so as to increase their abilities, and then boldly promote and use them.

According to the practice of Jin merchants, Jia Jiying's first year of apprenticeship was to do chores in the semicolon, because he was smart and capable, coupled with Yan Weifan's insight into people, he broke the convention of "three years of apprenticeship", and let him take charge of Dadeheng's business two years in advance. Only half a year later, Jia Jiying's daily business volume is not only several times that of others, but also has established friendly relations with all kinds of personnel, becoming one of the well-known capable young businessmen in Taiyuan City, and was praised by Yan Weifan as the "rising star" of Dadeheng, and promoted him to the third shopkeeper.

After the Eight-Nation Alliance invaded Yanjing, Cixi fled west in panic, passing through Taiyuan. In order to prepare for the arrival of Luanjia, and at the same time, to raise military salaries for the entourage, Wu Yong, the office of the Grain Station of the front station, called on major firms, gentlemen, and wealthy people in Taiyuan to donate. But after all, this happened suddenly, and most of the shopkeepers did not know the details, so they did not dare to meet Wu Yong rashly, so most of the real attendees were the second or third shopkeepers or assigned representatives. Among them, the representative of Dadeheng is Jia Jiying.

According to the prior instructions of the chief treasurer Yan Weifan, he not only took the lead in reporting the donation of 3,000 taels of silver, but also stated in detail the interests of the donation of silver, showing the patriotic thoughts of the Jin merchants, so that the tense atmosphere quickly eased, and in less than half a day, he collected a huge sum of 100,000 taels of silver. For this reason, Wu Yong is satisfied with Jin Shang and has a very good impression of Jia Jiying.

The Empress Dowager Cixi set off for Shaanxi on the eighth day of August. At this time, the magistrates and industrial and commercial circles in Taiyuan City were already panicked, and they didn't know what to do, thinking that as soon as the Queen Mother left, the foreigners would definitely chase after her, burning, killing and looting, but in this panic, Cen Chunxuan, the governor of Shaanxi, took advantage of the new governor Xiliang to take office in Shanxi in the future, and put forward a request for the local officials to borrow 300,000 taels of silver from Taiyuan merchants in the name of the Empress Dowager of the West, which of course made the officials and businessmen feel very frightened and difficult.

The wealthy businessmen in Taiyuan had no choice but to come to Yan Weifan, the business leaders of Taiyuan, and Jia Jiying to discuss countermeasures, and Jia Jiying put forward three suggestions to solve the problem according to his own understanding, namely: first, regardless of Cen Chunxuan's extortion, this loan should also be publicly agreed, so that it can not only give the queen mother and the court a round face, but also show the strength and courage of the Jin merchants, and also show that Shanxi businessmen have always been loyal and honest, patriotic and love the people; Second, in view of the fact that the Queen Mother fled west too quickly and her future was uncertain, she could not actually pay this huge amount of money, and could only delay and deal with it on the grounds that the amount was huge and it was difficult to collect it for the time being. As for the future? That depends on the change of the situation and then decides; Third, according to the practice of the Jin merchants, the loan should be signed and pledged by the local officials of Shanxi, and once the southeast Caoyun silver arrived in Taiyuan, the debts should be repaid in full, so as to avoid losses to the various firms.

After Yan Weifan heard this opinion, he applauded the case on the spot, and immediately designated Jia Jiying to attend the meeting as the representative of Dadeheng, and the other shopkeepers also felt that this method was the best, and unanimously said that they would cheer for Jia Jiying at that time.

After the Empress Dowager Cixi settled in Xi'an, she immediately issued an edict to "release the Caoyun silver to Taiyuan and transfer it to Xi'an." The news spread, and the Taiyuan businessmen from all walks of life, and the social elites gathered in the "Dade Heng" ticket number to celebrate, thinking that Yan Weifan's shopkeeper has a good eye and a talent, and dares to use capable people, so in an instant, Jia Jiying has become a legendary figure admired and loved by the bureaucrats and the people in Shanxi.

After the two palaces returned to Luan, after the baptism and lesson of "fleeing", the Empress Dowager of the West realized the importance of Western learning, and began to carry out modernization construction such as building railways, opening mines, running factories, building schools, and training new soldiers. Therefore, it is imperative to set up a financial institution with a national surname, that is, a modern bank under the direct management of the political axe. After being strongly recommended by Wu Yong and his brother-in-law Sheng Xuanhuai, Jia Jiying was sent to Beijing and was exceptionally promoted and appointed as the Xiangban of the Household Bank to assist the bank in supervising the examination and approval of the bank's articles of association. From then on, Jia Jiying entered the official career from a businessman and began to prepare for the establishment of the first bank for the country, Hubu Bank.

It is particularly worth mentioning that Jia Jiying's father stroked Jia Jiying's back and cried at the banquet held for his son: "San Lang, San Lang, the holy purpose is superior, and the emperor's grace is huge, but now, foreigners are bullying me, how difficult the state affairs are, it is the time for you to pick up your claws and be strict in public service. Seeing this, Jia Jiying hurriedly knelt on the ground and swore to his father: "My father's teachings, children should remember it for life, if you don't put the public first, clean yourself and self-discipline, you will die in five famines and six months." This matter was later known to the Empress Dowager of the West, and Jia Yong was specially awarded the title of Fengzheng doctor, and his wife Rong and Hu were both Confucians.

The Qing Dynasty Axe Household Bank was prepared in the 29th year of Guangxu, with a capital of 4 million taels of silver. Due to Jia Jiying's hard work, he worked day and night to plan and open up opportunities for the development and expansion of the banking business. In the business activities of "exchange, exchange, deposit, and release", we have continuously expanded the field and occupied the market, and by the 34th year of Guangxu, the capital has increased to more than 10 million. Hubu Bank was renamed Daqing Bank. At the same time, Jia Jiying was also promoted from Xiangban to general manager, with an official rank of three grades.

After the Republic of China, Jia Jiying returned to Shanxi to be free, and at the invitation of Yan Xishan, the governor of Shanxi at that time, he began to serve as the manager of Shanxi Jinsheng Bank. In the eighth year of the Republic of China, the Bank of Shanxi Province was established, and he served as a director, during which he tried his best to help Xu Yiqing, the general manager, and others to "abolish the two yuan", unify the Shanxi currency, and change the chaotic currency of the late Qing Dynasty and the early Republic of China into Jin banknotes, and the printing value was strong, and the exchange of one yuan banknote for one yuan silver dollar provided convenience for the business circles and ordinary people to deal with each other, and was supported by the masses, and accumulated a lot of wealth for Yan Xishan.

Although Jia Jiying has managed money all his life, he has never forgotten the admonition of his father Jia Yong and the word "integrity" of Jin Shang whenever and wherever he is, so he has been in charge of money for a lifetime and has handled hundreds of millions of trillions, but he has always had a clean breeze on his sleeves and is spotless, and he insists on being proud of cloth and porridge and food all his life.

Yan Weifan, president of the Provincial Chamber of Commerce, president of the Provincial Bank, and general manager of Qixian Qiaojia Dadeheng ticket number, once said: "There will be a king in 500 years, and it is rare to have a Jia Jiying in a thousand years." It can be seen that Jia Jiying's financial talent is unparalleled. In particular, from the mouth of Yan Weifan, a generation of financial wizards, it proves that Jia Jiying's talent is peerless.

Song Zhewu will never let go of such a talent no matter what, and it is exactly the target he wants to recruit. What's more, Song Zhewu knew that although Jia Jiying was extremely shrewd in finance, his surname was a little upright, and he was very dissatisfied with Yan Xishan's continuous placement of cronies who did not understand finance to Jinsheng Bank and Shanxi Provincial Bank, and even had a dispute with Yan Xishan because of this. If these two men could have a relationship with them now, it would have been much easier to get them back in a few months.

Seeing that Song Zhewu's face was red and his eyes were shining, Sun Jiahui said with some disapproval: "Chairman, although Xu Yiqing and Jia Jiying are in high positions, but with you and the Fourth Route Army, do they dare to make it difficult for us to prosper?" ”

Song Zhewu knew that Sun Jiahui would be wrong, retracted his thoughts, and forcibly held back some excitement and said, "Of course I'm not afraid of them making trouble, I'm just wondering what they are doing in our Xinghua?" ”

Sun Jiahui sighed and said with admiration: "I have known these two people for a long time, and when I was in Tianjin, I also dealt with Xu Yiqing, who was then the General Office of the Army's Grain Station, because of business matters, and they are very shrewd people. ”

Afraid that Song Zhewu didn't know, Sun Jiahui said again: "And this Jia Jiying, who is also very good, once served as the general manager of Daqing Bank, if he is in the UK, he is the governor of the National Central Bank." ”

"These two people said that they had heard for a long time that our flour mill and dyeing mill were profitable, and they wanted to visit it. I led them around, including the new building where the equipment was about to be installed. These two people are really extraordinary, just take a look at it and find the problem. When he came back for tea, Xu Yiqing seemed to inadvertently propose that he and Jia Jiying, the two major shareholders, Xu Flour Company, Yuci Jinhua Textile Company, Taiyuan Jinsheng Weaving and Dyeing Factory, Qixian Yijin Weaving and Dyeing Company and other factories with us to operate as joint shares, even if they use the existing factories as a price to invest in our Xinghua. ”

"How did you answer?" Song Zhewu asked impatiently.

Sun Jiahui said with a smile: "As soon as I arrived in Shanxi, I began to understand the factories in Shanxi that have conflicts with our Xinghua products, flour mills, textiles, printing and dyeing are naturally more important, their factories are not large, the principal is not more than 1 million, Taiyuan Jinsheng Weaving and Dyeing Factory has the smallest share capital, only 300,000, but the benefits are very good, especially the military food and military uniform cloth of the Jin Sui Army are given priority to order from them, and the benefits are very guaranteed." I guess the two of them saw the potential of our Xinghua, and even thought that once our new machine was put into production, they would compete with them, so they took precautions and took advantage of their good benefits to buy shares in advance. The two also told me, intentionally or unintentionally, that after they became a shareholder, they would take over the business of Jin Suijun, and in addition, Shanxi Provincial Bank and Jinsheng Bank would help us in capital turnover. ”

"How did you answer?"

"I told them that because of the good quality of our flour and colored cloth and flower cloth, the orders are scheduled until the end of the year, and most of them are prepaid, we have abundant funds, and we do not worry about sales, but after the new machine is put into production, I am afraid that the export will not be enough, and some will be sold in this province. I would like to ask the general manager and the chairman of the board of directors about their shareholding. ”

Sun Jiahui's answer Song Zhewu was very satisfied, since Xu Yiqing and Jia Jiying were afraid of competing with them Xinghua, they were sorry and needed to keep the price down.

"What do you think about their going to take a stake?" Although Song Zhewu has already made a decision in his heart, he still has to listen to Sun Jiahui's opinion on business operations.

"Although we are not afraid of them looking for trouble, but these two people are not only in high positions in Shanxi, but they are also very influential in the industrial and commercial circles, and having them as shareholders is very beneficial to our Xinghua's future development in Shanxi, I mean agree to their shares. I have estimated that the share capital of these factories is about one-fifth of that of our flour mills, textile mills, and printing and dyeing factories, and considering that they will bring in large orders from the Jin Suijun, they can add another five percent of the shares, so that it is 25 percent. However, after their factories become shareholders, the quality of the products will definitely meet our standards, and the efficiency will be greatly improved, that is to say, our equity will also be at a premium for theirs, I have calculated, so that their equity can only be counted as 10%, and they can naturally calculate it in their eyes, I estimate that they will agree to give them 10%. ”

Jin Suijun will soon shrink significantly, and even Song Zhewu is ready to make it disappear, and Jin Suijun's business will naturally not exist after half a year, so Jin Suijun's order is expected to be unable to be converted into shares. However, in order to hold these two people, Song Zhewu still decided to give the two more benefits.

"In this way, you will go to Xu Yiqing and Jia Jiying tomorrow and tell him that I agree to this matter, and we will set up a separate northern grain processing company for the flour mill and the noodle factory, and set up the northern dyeing and weaving company on the basis of the three factories of cotton mill, woolen mill, and printing and dyeing factory, and the matter of share capital will be done according to your wishes, but you must tell them that the ten percent of the shares will be distributed between the two of them and the other shareholders according to the proportion of capital contribution, and then give each of them an additional two percent of the shares. And you told Jia Jiying that I would like to ask him to be the general manager of the Northern Development and Investment Bank. ”

(To be continued)