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If the imperial court wants to pass a policy, it is always more troublesome, because the interests of too many people are involved, and the time for arguing is always relatively long.

But merchants are different, and if they want to win in the competition, they must be efficient.

No, the imperial court is still arguing over whether to establish a bank, and in the headquarters of the West Indian Ocean Trading Company in the old Song Gate, Han Bier, who is dressed in men's clothes, is already discussing the bank's management rules and development strategies with shareholders such as Lin Ruhai and Shen Qingwen.

The meeting hall of twenty or thirty people did not seem noisy, everyone took turns to speak, each expressing his own opinions, and another recorder recorded their opinions and compiled them into a book, acting efficiently and orderly.

Han Bier said: "Over the years, the Great Song Dynasty agriculture and industry have developed in an all-round way, according to the statistics of the imperial court, in the big cities of Tokyo and Suzhou and Hangzhou, the proportion of middle-aged households with 10,000 guan family wealth has accounted for nearly 50 percent, and the proportion of rich households with 200,000 guan family wealth has also accounted for nearly 10 percent. The focus of our bank will be on these middle-sized and wealthy households, and we must find ways to launch more targeted businesses to attract these potential customers. ”

Shen Qingwen continued: "The bank is start-up, and there is a shortage of talents in financial management, so I suggest that we immediately vigorously look for talents in this area, and at the same time set up a special department to select personnel with certain knowledge, business skills, good at observing words and feelings, and understanding customer psychology as business talents, and increase training and integration for them." ”

Lin Ruhai said: "It is foreseeable that banks are highly profitable, but at the same time, there are also high risks, we should pay attention to risk aversion, and we should set up a department." Monitor, analyze and evaluate the local market, so that banks can have a clear understanding of potential risks and avoid them as soon as possible. ”

Ji Zhongliang said: "The core task of banks is the anti-counterfeiting of bills of exchange and deposit bills. When it comes to bills, I recommend multi-color overprinting. Add a watermark in the hemp paper, as well as the secret way, to the shop, each trap the secret number, the vermilion and black errors, as a private note, and at the same time to write the bill by a special person, the use of miniature carved seals, etc., this matter is not sloppy at all, you have any suggestions but please go in and out. In terms of bill anti-counterfeiting, we must take the trouble to do it. ”

Han Bi'er continued: "As far as we know, there are at least three chambers of commerce that intend to set up a bank, especially the Shuzhong Chamber of Commerce, they have experience in issuing jiaozi, and at the same time have strong funds, they are definitely opponents that cannot be ignored;

In order to improve our competitiveness, I propose to launch a trust wealth management business; Nowadays, wealthy people often hoard a large amount of money in their homes, but due to the lack of information or limited conditions, most of the spare money in their hands cannot find suitable investment channels;

Let's take an analogy. There are 10 wealthy households in a certain county, each of which has 100,000 taels of silver deposits, but the opening of shops in the county town is close to warmth, and it cannot accommodate the investment of 10 families worth millions of taels. If they don't know much about the situation in other places, then the money in their hands can only be hoarded at home, and it will not produce any benefits;

All we have to do is gain their trust. Promise a certain percentage of the return, so that they can entrust their money to our bank for investment. In addition to the profits promised to them, the excess profits go to our bank."

Trust investment and wealth management. This is definitely a brand-new concept, Han Bier also learned about it from Yang Yi, and after Lin Ruhai and others heard it, they immediately understood that there was a huge profit margin in it.

More importantly, the economy of Da Song is now showing a good upward momentum as a whole, and it is easy to find profitable investment projects, and without much thought, everyone quickly agreed to start this business.

The people here are all the top business talents in the Song Dynasty and even in the world, and every suggestion they put forward is to the point and has something to say;

Everyone has the same goal, they are all going for money, and they will never have their own thoughts like the hundreds of officials in the DPRK and China, some people are for power, some people are for money, some people are for fame, some people are for the people, everyone wants different things, and the differences are naturally serious.

The businessmen only have money in their eyes, and as long as they can make money, it is easy for everyone to achieve a high level of efficiency, which is difficult for the officials of the DPRK and the Central Committee to achieve.

Regardless of the central ministers' arguments, the shareholders of the West Indian Ocean Trading Company had already begun the work of establishing a bank after discussing various measures, and anyway, with Yang Yi and many other officials, the trading company was not too worried about not being qualified to run a bank.

The Ministry of Rites Expansion and Lifting Division, Cai Jing must arrive every day these days, of course, he is no longer for the huge cost of the expansion project to come to Xingshi to ask for guilt, in order to establish a bank, Cai Jing every time he comes with a smiling face, good things to say.

He originally guessed that the draft of "Monetary Theory" in the Beijing Times was written by Yang Yi, and in Cai Jing's view, Yang Yi was probably the only one in the entire Great Song Dynasty who had such insight and foresight and could write such a clear and forward-looking article.

However, Yang Yi has not been enthusiastic about the establishment of a bank in the court these days, although he also slightly expressed his support, but he has a high-minded attitude that it is not his business, which makes Cai Jing a little confused, and begins to wonder if he wrote the "Theory of Money".

If it was really not written by Yang Yi, then it would be even more impossible to determine his thoughts, now don't look at Yang Yi as a member of the court, but if he gets his support, the matter is equivalent to sixty percent certainty;

So Cai Jing doesn't run anything else, he goes to the expansion and lifting division located in the Ministry of Rites every day to grind and soak, well, anyway, the household department is opposite the Ministry of Rites, only separated by a partition, close.

"My Mrs. Yang, Ning Guogong, what do you think, you should say something to me! I believe you know better than anyone else the benefits of setting up a bank. For so long, when did I Cai not fully support you, but there is no place to be sorry for you, this time you have to help me say a word no matter what, so that this matter can be passed in the court as soon as possible."

"Cai Shangshu, at the court meeting yesterday, I was obviously supporting you, but I was criticized by you for being indecent, do you say I am wronged?" Yang Yi leaned comfortably in the Taishi chair, where did he look a little wronged?

Cai Jing hurriedly said with a smile: "My Mrs. Yang, yesterday, alas, is it wrong for me Cai." Cai held a banquet at home tonight to invite Mrs. Yang to apologize. That's sincere enough, isn't it? ”

"Cai Shangshu, I've been learning Yan Ti recently. But I don't have a copy of the real book, Cai Shangshu, I heard that you have a copy of "Liu Zhong's Envoy Post" in your hand"

Before Yang Yi finished speaking, Cai Jing suddenly seemed to have been stepped on by someone's tail, and before he finished speaking, he hurriedly said: "Okay, you Yang Renzhi, don't think about "Liu Zhong's Envoy's Post", Cai Mou has gone through several twists and turns, and it was not easy to get his hands on it, and I can promise you anything else." This "Liu Zhong Envoy Post" is absolutely not good. ”

"Oh, that's what Cai Shangshu said, okay, I'll change to Liuti, I heard"

As soon as Yang Yi mentioned Liu Ti, Cai Jing jumped up again and said, "You! Yang Renzhi, you are obviously taking advantage of the fire to rob, how did you know that Young Master Liu's "Meng's Edict" is in my hands, you"

"Cai Shangshu. I didn't know that "Mengzhao Sticker" was in your hands, I just said that I wanted to change to Liuti, it was Cai Shangshu You were too excited to say it yourself, so don't blame me. As for "Meng's Edict Post", Cai Shangshu just said that except for "Liu Zhong's Envoy Post", everything else can promise me. Cai Shangshu, this is not true. doesn't look like Cai Shangshu's person. ”

"You" Cai Jing really wanted to cry without tears, Yang Yi wanted to please the beauty who was known as the first talented woman in the world. But there is no shortage of things from him.

Nowadays, every time Yang Yi comes to visit, he will tell his family to put away the good things first, and only after checking that they are correct, he dares to lead Yang Yi to the study.

Because of one accident, Ouyang Xun's "Bu Shang Post" was confiscated, but Yang Moumou saw it, and directly threw down 5,000 yuan, and then took the word sticker away, and Cai Jing didn't sleep well all night.

This time, Yang Yi deceived the whereabouts of "Meng Zhao Tiao", Cai Jing couldn't help but feel a pain in his flesh, and he said in frustration: "Yang Renzhi, count you ruthless!" ”

Yang Yi smiled hesitantly: "Cai Shangshu, this is your mistake, your own calligraphy has become a family of its own, what is the use of keeping the previous character stickers?" Only if we wait for these people who are desperate for improvement, it makes sense to copy the authentic works of our predecessors, does Cai Shangshu think so? ”

"How can this be reasonable, how can this be reasonable, Yang Renzhi, you took advantage of the fire to rob, and even found this high-sounding reason"

"This is the so-called royal road, Cai Shangshu don't say you don't understand, the so-called royal road is to hold high the banner of righteousness when you ravage others; Robbers don't understand this, so they are robbers; Cai Shangshu understands, so Cai Shangshu is Cai Shangshu uh, Cai Shangshu, don't go, I haven't finished speaking, what are you running? ”

Looking at Cai Jing's figure disappearing outside the gate, Yang Yi laughed, or the same sentence, orange is born in Huainan, and born in Huaibei is orange.

In the original history, Cai Jing followed Zhao Ji and became one of the biggest traitors in the Northern Song Dynasty, but now, Cai Jing can be regarded as a capable minister, he also wants to live forever, and he also hopes to contribute to the country with his own talents;

He is tactful, public and private, but so far, Yang Yizhen has not found that he has filled his pockets because of his private abolition of the public and the harm of national interests;

Yang Yi likes people like him, because Yang Yi is not the kind of person who doesn't care about his family for the country, the kind of person who goes hungry to serve the country is indeed admirable, but ordinary people can't learn it, at least Yang Yi can't learn it himself, while we serve the country, we also have to live a nourishing life, right? As long as selfish desires do not exceed the bottom line of moral law.

So he prefers to associate with people like Cai Jing, of course, the main thing is to blackmail people like Cai Jing, there is no pressure in his heart, if it is a person like Wang Anshi, who doesn't even have an inheritance after death, can you blackmail such a person?

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PS: Because of lung problems, after being warned by the doctor, Hyway could only quit smoking. Friends who are addicted to smoking can probably understand that quitting smoking is a very painful thing. I was used to smoking when I was thinking about the plot, but now I can't smoke, and the whole person is often in extreme irritability, anxiety, and it is difficult for my brain to calm down and think about things, and it is not easy to code a chapter.

I feel really uncomfortable, I almost can't help it, sometimes I even have to yell for a while, and I can only force myself to get through when I am tired, friends, vote for Haoyuan, I really need your encouragement. (To be continued.) For mobile phone users, please go to read. )