In the 28th year of Guangxu, thanks to the opening of Shanghai port and the center of import and export along the Yangtze River, Shanghai's money bank industry is probably second to the same in the country, and the opening of a money bank does not require a huge amount of capital, there are 50,000 or 60,000 taels of silver to open one, and the more is only 100,000 yuan. However, compared with Qianzhuang, although the level of the bank is higher than that of Qianzhuang, it can also be put up with about 200,000 yuan. A bank with a capital of less than 200,000 yuan has a small capital, but it is just a fake bank trip, and it is just a money bank.

Among the well-known Chinese-funded banks in Shanghai, one is the Commerce Bank founded by Sheng Xuanhuai, and the other is the Industrial Bank, which was only established in June 27, and compared with the Capital of the Commerce Bank, a Chinese-funded bank, which is only 2 million, the registered capital of the Industrial Bank has shocked Shanghai with a huge capital of 20 million yuan.

The reputation of the "Industrial Bank Building", the tallest building in "Asia", established by the Industrial Bank in Pudongxing, pushed the fame of the Industrial Bank to the peak, and after the opening of the Industrial Bank on the eighth day of the sixth lunar month, it was nicknamed "Shanghai Night Bank".

Unlike other banks and banks, which are closed at night, the Industrial Bank is open from morning to night. The 24-hour bank, founded by Huang Huiyun, is full of people from the sunrise in the morning to the electric lights in the evening. Coupled with the bright lights of the concession roads, all this shows the courage and energy of Huang Huiyun as a bank manager, day and night seem to be in his hands, every minute and every second is within his calculations, and they are all opportunities to make money.

And the most promising for the industrial bank should be a group of small depositors. When it was first established, Huang Huiyun knew that although the industry was a bank with strong capital, when it used its capital and prestige to win big customers, it also had to win more small customers, and bring their scattered small money together to gather small wealth for big money. And this is a business that the big banks that think they have a high value disdain, and the industrial banks are happy to do it.

There are two ways for industrial banks to attract small customers: First, the interest rate is higher than that of other banks. Second, no matter how much the deposit amount, as little as a dollar can also be opened for free, small deposits, small deposits and other businesses for depositors to choose, and the bank door is open all day long, you want to deposit or withdraw money, when you want to go, very convenient. The clerks in the line were not afraid of trouble at all, and they were very polite to them.

This kind of small deposit business has attracted a group of toiling people, such as rickshaw pullers, car crash pullers, small stall holders, and even maids' aunts, eldest sisters, grandmothers, etc., who work hard all year round, and save money, and have accumulated a few money in their hands, and they are not qualified to deposit it in a big bank, because the amount is too small, and now there is an industrial bank for safekeeping, and there is interest to be taken, which is really no better.

Of course, there are also a group of people who "do nightlife" to patronize, in the public and French concessions, there are more than 10 large casinos, hundreds of gambling stalls, some people handed in good luck that night, won a sum, and could not spend it for a while, so they deposited it in the industrial bank that was open at night, ready to gamble again tomorrow.

There are also the girls who sell their bodies in the Modi Register, the "wild pheasants" who solicit customers on the road, and other people who use the night to make "black money", all of whom are accustomed to using the industrial banks that are open at night as their vaults, and are scrambling to deposit their money.

The wages of the employees of the enterprises under the jurisdiction of the industrial company are also paid by the industrial bank, and the tens of thousands of workers working in Pudong are always hundreds or even thousands of people who withdraw money in the business hall of the industrial bank every day.

Closing the account book in his hand, Huang Huiyun, who was sitting at the desk with a smile, Chen Moran spit out a number.

"In ten months, the whole bank collected and stored 46,905,724 yuan! Yunda, this bank, you did a good job! ”

The reason why I came to the bank today is that as the chairman of an industrial company, I naturally need to look at the account books, and secondly, I am here to solve a small problem.

"Huiyun didn't dare to take credit, the main thing is that the directors planned properly!"

In 10 months, the Industrial Bank surpassed Commerce Bank, with six branches in Jiangning, Hangzhou, Ma'anshan, Yangzhou, Wuchang, and Anqing.

"Whoever gives you the credit, no one can take it away! You contribute more than I do in this bank! ”

With a wave of his hand, he pushed off Huang Huiyun's sycophancy, Chen Moran pointed to the set of banknotes on the table, which is a set of six versions of banknotes of different sizes from 1 yuan to 100 yuan, and the main picture of the banknotes is the Industrial Bank Building. Moreover, in the design of this banknote, Chen Moran also borrowed some anti-counterfeiting technology from later generations, it can be said that although there is no watermark, the anti-counterfeiting technology is second to none in this era.

Collecting silver with paper was a decision made by Chen Moran during the "financial crisis" last year, because the plate-making was entrusted to the six American engravers of the printing house to hand-engrave the printing plate, and it will be delayed until now, although the British and Ink Oil Company has remitted several sums of money, but no one will feel that the money is too much, especially when Chen Moran still owes tens of millions of money to foreign banks, although the money is the arrival of the goods, but there is not enough money on hand, which always makes people have little confidence, and now it is completely supported by the credit of the industrial company.

And now there are a lot of places that need to spend money, the production of thousands of cars costs money, the procurement of raw materials and machinery costs money, advertising in Europe and the United States also needs money, and even the "live advertising" proposed by Liu Zhongxia also needs money, and it is not just as simple as bonuses, before and after, just cars need millions of yuan.

Looking at the exquisite banknotes printed by the industrial printing house, Huang Huiyun frowned slightly.

"Chairman, although the credit of the Industrial Bank is extraordinary, it is ......"

Hesitating in his heart, Huang Huiyun naturally knew that the chairman's intention to issue silver dollar coupons was nothing more than to help the company raise more money, although he understood that the industrial company was a place to gather money, and the bank used the bank to collect social idle funds for the industrial development of the industrial company, but in his heart, he was always a little worried.

"Chairman, all the banks in the world are afraid of runs!"

"I know!"

"According to your requirements, we need to issue no less than 30 million yuan banknotes in various banks, if it is used by others and there is a run, just these 30 million yuan banknotes may bury the industrial bank!"

Huang Huiyun has his own worries, the reason why he strongly asked the company to order a clipper, is that in order to cope with the run, half of the bank's deposits have become the bonds of the industrial company, and 10 million yuan has been released to the Jianghuai Road Mine as a loan, and now the actual deposit of the Industrial Bank is only more than 10 million, and among the six branches in the scattered places, the deposit of the head office does not exceed 5 million yuan, not to mention the issuance of 30 million banknotes, even if there is a run now, I am afraid that the Industrial Bank is unable to deal with it.

"This ......"

His words reminded Chen Moran of the run on Catherine's Huisheng Bank, what does the Industrial Bank look like now, I am afraid that in addition to Huang Huiyun, Chen Moran himself knows best, since October last year, the Industrial Bank has actually dug the east wall to make up the west wall.

"A few months, only a few months, at the latest by the end of the year, we will not be short of money, by then it can be said that our money will only be spent more, and tens of millions will come in every month!"

Chen Moran said quite confidently, as if to comfort Huang Huiyun.

"Yunda, how many remittances have the bank received from the UK in the past two months?"

The chairman that Huang Huiyun knew mentioned that the remittance was referring to, which was the money that his wife remitted from the United Kingdom to the boss.

"£1,050,000!"

"By the end of the year, I can guarantee that at least 3 million pounds will be remitted every month, not to mention that the Industrial Bank only has tens of millions of deposits and paper money, even if there is 100 million, we can pay it, and I will send a telegram to my wife, and at the end of the year, at least 6 million pounds of gold will be shipped back, and then we will put the gold directly in the vault for people to visit, so that they can see what the strength of the Industrial Bank is......"

"Chairman!"

Huang Huiyun smiled helplessly.

"That's just far water!"

Then he hesitated for another second or two.

"If the chairman really wants to do this, he will have a suggestion that I don't know whether to say or not!"

"Tell me about it, Yunda!"

"Set up your own factory to mint silver dollars!"

Lowering his voice, Huang Huiyun's eyes shone with some essence.

"Chairman, more than sixty percent of the deposits we collect are silver two, and the fineness is the number of silver obtained after folding nine into three or five three Guan Ping sterling silver, the fineness of Yingyang is only ninety, but 1 piece of 4 can be exchanged for one or two, if we mint silver dollars, even according to the fineness of Yingyang, the profit can also be close to one percent, if it is"

This lowered his voice, and even when he spoke, he was almost close to Chen Moran's ear.

"If you adjust to 8 out of 8, you will only get more abundant! That alone can make millions of dollars in profits! If this is the case, not only can it destroy the double casting, but even if Eagle Ocean receives it in the industry, it can also be recast! ”

Chen Moran's eyes widened, staring at Huang Huiyun in front of him, this guy was obviously driven crazy by his own money all day long.

"Chairman, the only way to do this is the only way, we have machines in the machine factory, and there are plate-making masters in the printing!"

Huang Huiyun said it again, as if he wanted to catch this sentence with his own voice, as if he was afraid that it would escape.

"Some time ago, when Hui Yun chatted with the shopkeepers of those money banks, when the shopkeepers talked about the shortage of silver yuan, they all sighed without sighing, everyone did not have enough silver dollars, and since more than ten years ago, the prices in most parts of China have been transferred from money to silver, and the silver yuan required for circulation has increased significantly, and the silver yuan is far more than the silver two, from the 25th year of Guangxu, the imperial court levied rents and donations, and the silver yuan was used without silver and two colors, and the merchants and farmers were naturally happy to use it, but the number of silver dollars flowing in from abroad and self-minted was always limited. The market is still dominated by silver. The silver dollars minted in the provinces are all state-made silver dollars, the chairman, the best credit of the silver dollar is Eagle Ocean, we will directly imitate Eagle Ocean, and use fake Eagle Ocean to squeeze the real Eagle Ocean, that is, we can use Eagle Ocean's credit to send out our silver dollars, and we can come back with a large amount of silver! ”

Now that Huang Huiyun, who is forced to be helpless, naturally thinks of the most attractive minting profit in the silver dollar, which is probably the fundamental reason why the provinces have minted silver dollars, even if they can mint silver dollars, one million taels should be used as one hundred and one hundred thousand taels, why can't the industry.

"If the chairman agrees, and our machinery factory in Ma'anshan, we can make enough silver, and we will promise to guarantee that by the end of the year, we can turn over at least 40 million taels of silver from the bank, mint silver dollars, plus the silver collected and stored by the industry, this alone can obtain nearly 10 million yuan!"

Huang Huiyun's words only made Chen Moran respond vaguely, and then was silent for a while.

"Yunda, are you sure those money banks will give us the money? And then cashier dollars? ”

"Chairman, now in Shanghai's money industry, where more than 10,000 taels of exchange, need a discount of 0.35 percent, 100,000 taels of discount 0.2 percent, this is the rules of the money village, all over the money village is relying on silver, two yuan of money to make profits, and ...... Hui Yun did not say that the turnover was borrowed, but let them take out the silver taels themselves and mint them into silver dollars for us. ”

After a pause, Huang Huiyun showed some smugness again.

"If there is a run, we will use the money of the bank to deal with the emergency, of course, the six million pounds promised by the chairman a year ago must be able to arrive, otherwise it will be allowed to have the ability to pass through the sky, I am afraid that it will also pass this pass!"

Thinking of the profits, Chen Moran gritted his teeth and nodded in agreement with Huang Huiyun's proposal.

"Yunda, then do as you say!"

"Chairman, you must know that this privately minted silver dollar, if it happens, it may lose its head!"

Huang Huiyun reminded with a smile that although it is no secret that the industry privately mints silver dollars, it will always take some risks.

"Yunda, silently, I have hard bones and a hard neck, and I want to cut off my head......"

Chen Moran just smiled coldly, he even dared to do the thing of gathering troops to rebel, let alone privately minting silver dollars.

"Chairman, if you are really not afraid of losing your head, we will even mint the copper dollar together, and the profit of the silver dollar is only one percent at most, and Zhang Nanpi's copper dollar can reach nearly fifty percent! That's the real money-making business! ”

Greed is the instinct of bankers, and Huang Huiyun is no exception, after receiving the first copper dollar from the Industrial Bank, his eyes have been eyeing the copper dollar that is half profitable, but he has been suffering from no chance, and now this opportunity is in front of him.

"Anyway, this head is cut once, and it is cut twice! Yunda, according to the method you said, let's even cast copper dollars together, no matter how much silver there is, I don't think it's too much! ”

Chen Moran touched his neck when he spoke, this head was still on his head, if it really came to that point, it would be a big deal to raise an army to make a fucking rebellion! What's more, he himself is a counterfeiter, whether it is a silver dollar or a copper dollar, at most he is just regaining his old business.

Half an hour later, after discussing the "head-killing deal" with Huang Huiyun, Chen Moran sat in the carriage but smiled, frowned again, walked a long way, and finally returned to the road of "counterfeiting money", which was somewhat unexpected by him, especially after the oil company in Mexico was oiled.

"Oil! Petroleum! ”

As long as he thinks of money in his mind, Chen Moran can't help but think about Mexico's oil, originally as soon as the oil is extracted, there should be a steady stream of banknotes flowing into his pocket, but it wasn't until the oil was actually extracted that he realized that it was just a beautiful idea.

Ji Li wrote a few days ago in a letter that it was very clear that it was impossible to remit more money in the short term, and that the laying of oil pipelines, the construction of terminals, and even the construction of oil refineries in Britain would require funds everywhere, although the Anglo-Mexican oil company had received a loan of one million pounds from the Bank of England, it was still not enough, and the oil company needed money for the start-up, and money was also needed here.

Oil extraction has not solved all of Chen Moran's problems, at least until Anglo-Mexican oil solves its own problems, and it is not realistic to give him too much help.

"At the end of the day, it's about money! It looks like we have to wait only for next year! ”

Shaking his head helplessly and sighing lightly, Chen Moran knew that at least before the terminal in Mexico was completed and the oil pipeline was laid at the end of the year, the continuous injection of funds in his imagination was just imagination.

"Money!"

In Ji Li's letter, not only did she apologize for mentioning that the money could not be remitted as she wished, but she even mentioned that the Standard Oil Company of California had sent someone to negotiate with her about purchasing the company's land.

According to the current planning and development of the Anglo-Mexican Petroleum Company, it is to explore the oil fields by itself, exploit and refine by itself. This doomed Anglo-Mexican oil companies to become Rockefeller's competitors and enemies. Unless the Anglo-Mexican oil company finds an oil field and sells it to Rockefeller, only in this way can it become a partner and friend of Rockefeller.

In the past few months, Chen Moran has read several biographies written by authors of this era about this oil tycoon, and what he hates most in his life is competition.

From the very beginning, according to Chen Moran's idea, it was to put Britain, which had not yet discovered a large oil field, on the carriage of Britain and Mexico, so as to protect his property with the power of Britain.

In the end, you can even use the British and Mexican oil companies to get involved in the Middle East, automobiles, oil, the two can be said to complement each other, the future of China also needs a lot of oil, as for the Daqing oil field in the northeast, the Americans, said that I have not found it for decades, let alone myself.

"It's hard!"

Thinking of the many problems he is facing now, Chen Moran couldn't help but sigh again.

This side is facing the problem of money, and the oil field that can solve the problem of capital is stared at by those predators, and the problems of one ring after another are tangled in Chen Moran's mind, but there is no way to sort out a line that can solve all the problems.

Let's take one step at a time! After thinking about it, Chen Moran could only sigh helplessly, but when he sighed helplessly, some different colors flashed in his eyes, and at the same time, the corners of his lips were raised, revealing some smiles.

(To be continued)