If there was no Hu Chuyuan, Xu Run would have been able to raise 7 million taels of silver, but he would be alone in Liangguang, and it was unlikely that he would have asked Hu Chuyuan for help if something happened.

For Hu Chuyuan, the territory of Liangguang is really not within the range of his expectations, which can be regarded as an unexpected joy.

He immediately clapped his hands and said: "Good opportunity, we must not miss it, let's do it!" ”

As soon as he heard this, Xu Run couldn't help but breathe a sigh of relief, he had learned a lot of tricks from Hu Chuyuan in the past year, as long as he was really allowed to run this Zhongguang Commercial Bank, it would not be long before he believed that it would definitely not be worse than Beiyang Commercial Bank.

He said: "I have also talked with several businessmen in Hong Kong and Guangdong, and I also want to invite them to join the shares, and we will work together to run the business of the commercial bank. Therefore, the Zhongguang Company can only account for 55 percent of the shares of the commercial bank, while the other businessmen together account for 25 percent, and the official shares account for another 20 percent. ”

Hu Chuyuan was a little surprised and asked, "The total capital is as high as 18.18 million taels of silver?" ”

Xu Run smiled: "Yes, there is a Nanyang super-rich man among the people I invited, whose net worth is only higher than mine, slightly lower than you, and he can almost have thirty or forty million taels." The others are the gentry of Hong Kong, Guangzhou and Guangxi. ”

Hu Chuyuan was quietly a little surprised, he had just walked from Nanyang half a year ago, and he did know a few people.

Only one is eligible.

He said: "It can't be Zhang Bishi, right?" ”

Xu Run smiled: "Yes, it's him...... Interesting, in fact, this person is Tang Tingshu, Brother Tang introduced me to him, when I first started to speculate on Shanghai land, he also lent me hundreds of thousands of taels of silver. ”

Hu Chuyuan nodded slightly.

Zhang Bishi's financial resources, he knows, at the peak of the rise to 80 million taels of silver, and now there is indeed 30 million taels, this person is a native of Chaozhou, Guangdong, and the founder of Changyu Winery, investing 3 million taels of silver at a time, without frowning, and there is no need to join hands with others.

The characteristics of this person's business are similar to Hu Chuyuan's, with large investment and big returns, basically relying only on his own financial resources to operate on a large scale, and rarely co-operating with others.

Since there is this person joining forces, it means that Zhongguang Commercial Bank also has a very good space in Nanyang, and there is no problem in terms of financial resources.

Hu Chuyuan nodded in agreement, and understood in his heart that Xu Run had indeed worked hard, and this time he had to do a big career of his own.

What he didn't know was ...... Xu Run actually used his signboard to persuade Zhang Bishi to join the shares.

Human spirits, otherwise how can they be human spirits!

Hu Chuyuan immediately asked Xu Run: "Then when are you going to Guangzhou?" ”

Xu Run said: "Let's get through this raw silk acquisition first, it should be the end of June, and when our Zhongguang company is opened, I will immediately send a shopkeeper to Zhang Luo, and when I go, it will be officially opened." ”

Hu Chuyuan nodded and said, "I don't have anything else to say, it's just that in the tea and ship business, you have to leave a few people for me." ”

Xu Run said: "Don't worry, I have recently dug up a few people from other places, and I will leave two more shopkeepers to help." ”

"That's good!"

Hu Chuyuan didn't say much, he knew that Xu Run was a very safe person.

They have negotiated here, and Pfister-Delano outside the door, RS Butterfield, and Tan Yiyun have been waiting for a while, just in case, especially not to let Xu Run know...... As soon as Hu Dazong went out, he quietly left and returned to Jiangnan Commercial Bank to wait for news.

After Xu Run opened the door, the three of Pfister-Delano also came in together, and Hu Chuyuan explained Xu Run's method.

Tan Yiyun felt that this method seemed to be very good, but RS Butterfield was noncommittal.

After the four of them were silent for a moment, RS Butterfield suddenly asked Hu Chuyuan, "Hu Shao, can I negotiate with you alone?" ”

Hu Chuyuan glanced left and right and nodded slightly.

Seeing that he agreed, Tan Yiyun and Xu Run could only avoid it first, but Pfister-Delano did not leave.

Obviously, the two foreigners have already discussed another way.

RS Butterfield and Hu Chuyuan said: "At present, there are two ways to deal with this matter, one is to sign long-term pre-purchase contracts with a number of foreign banks in advance to force each foreign bank to withdraw from the competition. Without the guarantee and strong support of foreign companies, Shanghai merchants and small silk merchants from all over the country would not be able to set off a storm. Another way is to take the opportunity to weaken the strength of Ningbo merchants, although it is a bit risky, but it should still be somewhat certain. ”

Hu Chuyuan thought for a while and generally understood what Butterfield was thinking, but he still asked, "Can you tell me more about it......!" ”

RS Butterfield immediately said bluntly, the solution is simple, is to deliberately let the market rise, force those small silk merchants to harvest at a high price, and then suddenly reduce the price of sales, Jiangnan Commercial Bank will certainly have a relatively large loss, but those small silk merchants will completely collapse and go bankrupt.

The upward spread of this bankruptcy storm will definitely have a huge impact on the Ningbo merchant gang.

After listening to RS Butterfield's words, Hu Chuyuan was not happy, he weighed it for more than ten minutes, and finally chose Xu Run's plan.

Once Butterfield's plan succeeds, it will not be the foreign firms that will really suffer, but the money banks opened by Ningbo merchants, and if these money banks collapse, Shanghai's economy will also fall back into chaos and depression, and it will be very difficult to recover.

This is not the result that Hu Chuyuan wants, his principle is to slowly encroach on the money business of Ningbo people without affecting Shanghai's economic prosperity, nothing more.

Kill 10,000 enemies and lose 8,000 yourself...... He didn't do it, he only did the business of "killing 10,000 enemies and earning 8,000 for himself".

After talking about RS Butterfield, Hu Chuyuan asked Xu Run and Tan Yiyun to invite in again, and instructed Xu Run: "Boss Xu, just do it according to what you said!" ”

No one doesn't want things to go according to their own plans, Xu Run was very happy when he heard this, and immediately said, "Okay, then let's just say it." ”

Hu Chuyuan bowed slightly, and gave everyone some instructions, so that they could handle it as soon as possible.

After deciding how to deal with this speculation conspiracy, Hu Chuyuan quietly left Wanqi Bank and lived in Pfister-Delano's apartment in Hongkou, where he continued to make decisions.

Before the large-scale listing of raw silk, through the contact between Pfister-Delano and RS Butterfield, Hu Chuyuan quickly bought a part of the shares of France's Wanbao and Germany's Chanchen through Guorui Fund, and reached a long-term contract for the sale of raw silk with Wanqi, Swire, Wanbao and Zenchen.

In this contract, Hu Chuyuan adopted a new quota system, and each foreign bank will get a basic quota, and the price of raw silk within the quota will not change for five years, and any changes will be renegotiated.

As part of the agreement, foreign banks must ensure that the CIF price is not 12% higher than the export price, and use 3% of the funds to promote and publicize the market in various countries, and not to borrow capital from the bank for speculating in raw silk.

In case of violation, Hu Chuyuan has the right to terminate the contract and stop issuing quotas.

The news quickly spread in Shanghai's foreign banking circles, and foreign banks from Belgium, the Netherlands, Denmark, Spain and other countries also quickly negotiated with Hu Chuyuan through Wanqi Foreign Firm, and finally 16 foreign banks signed an agreement.

In order to reduce transportation costs, the foreign banks jointly invested in Swire Steamship, which shipped goods to Europe.

At this time, Hu Chuyuan suddenly appeared in public, returned to his own garden, and went to the headquarters of Jiangnan Commercial Bank every day to exercise his duties as the general office.

His presence took the entire Shanghai business community by surprise, and his new quota system caught people off guard.

Facts have proved that Hu Chuyuan always has many new ways to deal with those old problems.

Soon, he announced in a high-profile manner that he would only keep two raw silk dealers in the UK, one of which was indeed Swire and the other was still being selected, which was obviously aimed at Jardine Matheson and Sassoon, the kings of foreign companies.

Hu Chuyuan was not sure whether it would take effect, but the result surprised him greatly: Sir James Johnston-Keswick, the chief director of Jardine Matheson, personally rushed to Shanghai to interview him, and offered him a very favorable condition.

Immediately afterwards, Sassoon also made its own conditions.

Jardine, or Sassoon?

This is a question that Hu Chuyuan is more hesitant about, but he must determine it as soon as possible.

Hu Chuyuan has returned to Yongyuan, and after getting the quotations from Jardine Matheson and Sassoon, he invited Xu Run, Tan Yiyun, Chen Xiaobai, and Zheng Xitai to come over to discuss, in order to train Chen Shanyuan, he also asked Chen Shanyuan to stay by and listen.

In his study, everyone discussed together, Xu Run meant to choose Jardine, Tan Yiyun and Chen Xiaobai chose Sassoon, and Zheng Xitai was not in a hurry to express his position.

Hu Chuyuan slowly weighed it in his heart.

Jardine Matheson's condition is that Jiangnan Commercial Bank, Jardine Matheson and Swire have three investments, Jiangnan Commercial Bank and Jardine Matheson each have 30% of the shares, and Swire has 40% of the shares, to jointly set up a British silk company in Hong Kong, which will be operated by Swire & Co., and the shipping business of Jardine Matheson is also willing to be integrated into Swire Steamship, and most of its ports and terminals in the Chinese market are willing to be transferred to Jiangnan Steamship Bureau at a lower price.

Sassoon was willing to accept a lump sum payment for the raw silk trade and sell about 13% of its shares to Jiangnan Commercial Bank, but Jiangnan Commercial Bank had to give Sassoon a quota equal to that of Swire & Co.

Xu Runxuan Jardine took a fancy to Jardine's port terminal, while Tan Yiyun and Chen Xiaobai looked at a one-time payment and 13% of the shares.

Hu Chuyuan thought about it, so he asked Zheng Xitai: "Which one do you think you should choose?" ”

Zheng Xitai smiled and said: "Sassoon's conditions look rigid and stiff, which means that he still has hole cards, but he is also very flexible for us, and he can be thrown out of the game at any time." As for Jardine Matheson, after the implementation of the quota system, the foreign banks did not make much money in terms of raw silk profits, and they did not make much money by occupying 33% of the shares. The steamship business is also in a state of loss, but Jardine Matheson is very flexible, taking advance as retreat, in fact, it wants to empty the raw silk business and the steamship business, but continue to make some surplus profits in it. ”

Xu Run said: "That's what I said, but he is willing to sell, we are willing to buy, isn't this just a good deal!" ”

Hu Chuyuan hummed slightly, and said: "Actually, the conditions of the two foreign banks are desirable, we and Jardine Matheson and Sassoon will have to divide a high and low sooner or later, and now it is really troublesome to hold 13% of Sassoon's shares." Choose Jardine. ”

The conditions of the two families have their own advantages and disadvantages, since Hu Chuyuan wants to choose Jardine, Zheng Xitai, Chen Xiaobai, and Tan Yiyun will not continue to insist on their ideas.

From the actual business level, Sassoon's conditions are of course very happy, and the amount of raw silk bought can be paid off at one time, which is conducive to the capital flow of the commercial bank, but from the perspective of the entire strategic level, Jardine's conditions are conducive to the long-term.

In Hu Chuyuan's view, because he has secretly controlled 55% of the shares of Swire & Co., he is equivalent to controlling 70% of the decision-making power of the British Silk Company.

Seeing that it was not too late, Chen Xiaobai, Tan Yiyun and Zheng Xitai went back first.

Xu Run continued to sit with Hu Chuyuan for a while, he drank a cup of tea, and said: "Hu Shao, after your action, I think this year's raw silk purchase has stabilized, and the Ningbo merchant gang is not stupid, and will not rush in again." ”

Hu Chuyuan nodded slightly.

Xu Run continued: "In addition, after the Jiangnan Steamship Bureau acquires the port terminal and those small steamers in Jardine, the Jiangnan Steamship Bureau will have the strength to compete with the Shanghai China Merchants Steamship Bureau. Jardine's Yangtze River shipping business is mainly in charge of the Guangdong comprador Tang Maozhi, he and you must be at odds, because I am leaving, so, a few days ago, I went to find the comprador Wang Chanqing of the British-funded Fair Foreign Company, he is a native of Huizhou, and he is also very familiar with shipping. I went to talk to him, and he was happy to resign from his post as a comprador of a foreign bank to work in the steamship bureau, and in any case, you are all fellow townsmen and Hui merchants. However, there is no problem in relying on him to maintain the steamship bureau, and it is not enough to expect him to defeat the Shanghai steamship bureau, and the person who can really determine the winner is ...... It's still up to you and Sheng Xuanhuai. ”

Hu Chuyuan laughed and said, "As long as he can help me maintain the situation, it will be a matter of time before he defeats the Shanghai Steamship Bureau." ”

Xu Run smiled and said, "Hu Shao, your ability...... I don't know yet. I'm almost going to Guangdong these days, do you have anything else to explain to me before leaving? ”

Hu Chuyuan thought for a while and said, "Three things." First, the money village must be done, not only to do, but also to do a special job, can not just expect to borrow from foreigners, that is not a long-term solution, you see Ningbo money village is very beautiful, without the help of foreigners, they can not do anything big. You first set up your own banker ticket number, and then gradually control other small bank, if there is no suitable shopkeeper for a while, I will borrow a few from the CITIC ticket number. ”

Xu Run nodded silently and said, "Okay, I know." Well, I have a lot of people, as long as I am a Cantonese person, I can find a way to greet me, this point, I am different from you, you have no relatives, you can only rely on yourself, I rely on the entire Guangdong business gang. ”

Hu Chuyuan laughed, he was still quite envious of a Guangdong businessman like Xu Run, the entire foreign industry was full of Guangdong compradors, everyone communicated with each other, connected as one, and it was fast and convenient to start business.

He added: "Second, if you want to go to Hong Kong to occupy territory, the key to whether the Zhongguang Commercial Bank can do a good job is Guangzhou, and whether it can compete with foreign banks is in Hong Kong." Hong Kong's real estate industry must be done well, not just speculating on land, but also finding ways to win large areas and engage in large-scale construction of urban areas, with large investment and large returns. ”

Xu Run continued to nod and said, "I have also considered, as long as I take down the shipping industry in the Pearl River, the next step is to take advantage of this momentum to enter Hong Kong...... And what about the third? ”

Hu Chuyuan said: "During my trip to France, I always have a bad premonition, the French are afraid that Vietnam is inevitable, and in the long run, in three or four years, China and France are afraid that there will be a big war." After you arrive in Guangzhou, try to find a way to make more friends with the general soldiers of Guangdong and Guangxi, find a few people who can be of great use, and invest yourself. Investment Officer...... It's also a good deal. ”

Xu Run didn't think of this, sighed slightly, and said, "So that's the case, okay, I'll pay close attention to it in Liangguang." ”

Hu Chuyuan snorted and said: "There is nothing else to say, with your ability, the market in Guangdong must be easy to invigorate, I will just sit and wait for the dividends." ”

Xu Run smiled, but said: "You don't have anything to say, but I still have a few things I want to tell you, I used to be in charge of Jiangnan Commercial Bank, and Guangdong businessmen have to give me a few thin noodles, and it will be difficult to say in the future." Hu Shao, you listen to my advice, try not to fight with Ningbo businessmen, and win over the main thing, after all, you are all from Zhejiang. You do have the strength to dominate Shanghai Tang, but why bother, with your ability, that is the person who sits and watches the world, no matter how big Shanghai is, it is not worth your hard work here, fighting to the death everywhere. ”

Hu Chuyuan said with a smile: "I know, that's why I don't want to tear my face and fight with them, but now is not the time to talk about peace, wait until I have finalized a few major things." ”

Xu Run said: "Then you have to re-raise the banner of Hui merchants, Hui merchants were very powerful in the early years, but the comprador storm rose, and Hui merchants did not keep up, and now they have all become small business people." There are two Hui businessmen compradors in Shanghai, which are quite powerful, one is Cheng Jinxuan of the German Lixin Foreign Company, and the other is Wang Chanqing, who we just mentioned. There are too few people, and the foreign bank is not big, so it is not a climate. You have to find a way to win over and support Huizhou people, and support Huizhou businessmen well. With your ability, within ten years, Shanghai will be the world of Hui merchants, if others can't get along with you, you don't have to come forward in person, say hello twice, and naturally someone will come forward to kill him for you. Since then, your business war is a group fight, and now you always pick a gang, it's not cost-effective! ”

Hu Chuyuan was amused by him, and said with a smile: "Your idea is quite interesting, in fact, I don't even know what Huizhou is like, I also went back to my hometown to see the ancestral tomb in the early years, but it is all more than ten years old, how can I still have a picture?" ”

Xu Run said solemnly: "That's not important, the important thing is that you are dead, your ancestral home is in Huizhou, and you can't change the foundation of Huizhou merchants for a lifetime." If I were you, I would go back to Huizhou to buy a new family business now, and then run a Huizhou guild hall in Shanghai, and recruit fellow villagers to come to seek a business and start a business. I also pondered, how exquisite the old craftsmanship of the Hui merchants is, Hu Yumei's soy sauce, Wang Shuyou's dripping vinegar, Zhang Xiaoquan's scissors, Hu Kaiwen's ink, these are all treasures, let's sell them in the firm, how much sales can it bring them, and when they make money, won't the Hui merchants rise again? ”

Hu Chuyuan was also nodded again and again by what he said.

What kind of big plan and big strategy is Hu Chuyuan is not within Xu Run's reach, but in the traditional business economy, Xu Run also has his strengths.

After he said this, Hu Chuyuan also understood a little in his heart.

He has no feelings for Hui Shang, and Hui Shang has feelings for him...... Everyone is from Huizhou.

Xu Run continued: "As long as you can handle the matter of the Hui Merchants well, then you can encroach on the territory of the Ningbo Merchants Gang to your heart's content, and you can eat as much as you want, they don't even dare to bare their teeth." Forty or fifty of them singled out one of you, and they are somewhat sure, forty or fifty of them are fighting in a group with your forty or fifty people, isn't that looking for death? Who doesn't understand this? ”

Hu Chuyuan smiled: "Today, you really gave me a big idea, okay, I'll do what you say." ”

Xu Run also smiled and said: "As long as you understand this principle, then Shanghai Beach is really your territory, the imperial court can be afraid of your financial resources, control your business, and not let you go to other regions, you can't even ban all Hui merchants together, right?" ”

These words gave Hu Chuyuan another inspiration, yes, isn't Yufeng Club like this?

Even if the matter of Yufeng Club is too obvious, as long as the account books in Tan Yiyun's hand are not exposed...... What's wrong with so many Jixi people operating land trading in Shandong, is it wrong for Jixi people to do this?

As the saying goes, Huizhou Luo, Jixi Cattle, Jixi businessmen bear hardships and stand hard work, are loyal and willing to work, and are willing to tinker with the crop work that others don't want to do...... What's wrong with that?

Hu Chuyuan thought of this and found one thing...... That account book has to be recovered, it's not that Tan Yiyun is unreliable, but that Hu Dazong has been promoted to the big shopkeeper by him, how can there be a reason why the big shopkeeper has to account with other big shopkeepers?

There is only the proprietor above the big shopkeeper, and this rule cannot be broken.

Both of them knew that there would not be many opportunities to have such a long talk in the future, Hu Chuyuan was not in a hurry to send off the guests, and Xu Run was not in a hurry to say goodbye, so they talked all night in the study.

Hu Chuyuan said that how to plan those things of Zhongguang Commercial Bank and what industries it should do, and while talking, he wanted to teach Xu Run the newly figured out joint venture method, but after thinking about it again, he decided to wait until he had eaten enough crabs first.

Love is love, after all, everyone is still a businessman.

Xu Run also talked to him about other things in Shanghai, taught him some old business scriptures, some tricks for dealing with the world, and suggested that Hu Chuyuan should not be too indifferent, a businessman is a businessman, and if he doesn't like to socialize, he has to communicate properly.

In addition, he also suggested that Hu Chuyuan should sit in Jiangnan Commercial Bank and CITIC Company as much as possible, relying on the management of the big shopkeeper is only a temporary measure, even if Chen Xiaobai and Tan Yiyun are loyal people, but after all, they are both people in their fifties, in case there are three long and two short, it will be embarrassing.

When the time comes, all the shopkeepers are promoted by them.

Xu Run wanted to say it for a long time, but he never said it, the reason is very simple, Hu Chuyuan does not have his own business gang faction, he has the support of the Guangdong business gang, which makes him have a special status in Jiangnan Commercial Bank, Hu Chuyuan does not care much about the affairs of the business bank, and the real power falls into the hands of him and Tan Yiyun, how beautiful it is.

It's not going to work now, people are leaving, so the surname Suo will make things clear, and leave a big favor, so that I can borrow money in the future.

It is not news that he and Hu Chuyuan borrowed money, but it is news that they did not borrow.

What is a human spirit?

Xu Run is called a human spirit.

(To be continued)