"I said, I can take out 10 million in a month, do you believe it?"

With these words, the crisp sound of teacups and cups and plates tapping sounded in the private room, and Xiao Xinren looked at Chen Moran who was drinking with a teacup in surprise after saying this.

Was he joking?

Apparently not! His expression was serious.

But 10 million, 10 million even in the whole of Shanghai, no! Even in the world, how many people can say that they can take it out?

I don't know why Xiao Xinren believes that Chen Moran can take out 10 million in a month, the reason is very simple, that is, according to the business philosophy of his bank that he said earlier, he believes that Chen Moran can definitely take out 10 million, even if he can't take out 10 million, based on his previous words, after those old men in the concession heard it, there must be people who are willing to take out money to invest in this bank, but I am afraid that the time is far from 10 million, and he does not have any reputation in Shanghai, if he waits for another two or three years...... Who knows what the future holds.

"If you have 10 million!"

Xiao Xinren frowned slightly, and his words paused slightly.

"You can open the largest commercial bank in Shanghai!"

When he said this, he felt that he was a little hot, so he picked up the teacup and drank the tea in a big gulp.

"However, can you tell me about the blind spots you just mentioned, I find it hard to imagine that a person who studies machinery and printing will be so familiar with banking business, so what he learned?"

Holding the cup, Chen Moran laughed in a low voice, what did you learn? When I learned that I went to a loan company, I didn't bother to do much about it, but in the end, people are not as good as heaven, and the thighs still can't be twisted...... Shaking his head helplessly, he threw the past out of his mind, and looked up at Xiao Xinren.

Looking at Xiao Xinren's appearance, Chen Moran knew that his previous words had touched his heart.

"Some of them are in school, some of them are reading books by themselves, and some of them are when they are abroad, through their dealings with banks, they have asked people in the industry about it, and of course more of them have figured it out by themselves!"

Ever since Miss Na Ji Li asked for the score with adoration in her eyes, Chen Moran has enjoyed the pleasure of being adored or surprised by others when she plagiarizes the achievements of later generations.

"Generally speaking, the domestic banks, of course, also include the bank, after all, most of them are now the trinity of money, pawn, and ticket number, and their profits are mainly based on low-interest deposits, auctioning off expired pawns, remittances from other places, and charging high interest on some short-term small and medium-sized industrial and commercial credits. Weiyang, think about it, can the bank make a big profit with this way of operation? ”

Hearing this, Xiao Xinren didn't say anything, because there are many pawnshops in the family, although he is not the eldest son, but he is very clear about the source of the pawnshop's profits, the pawnshop is by no means relying on Chen Moran to auction expired pawn goods for profit, the shop is a murder shop, relying on the price reduction, as for the money bank, the ticket number is indeed as he said The profit is limited.

"As for the few Chinese-funded banks, they do not have a pawnbroking business, and although they also deal in the exchange of international currencies, they are almost monopolized by foreign banks in this regard, and their profits are not very large. For example, the Commerce Bank mainly handles and issues exchange coupons, acts as an agent for public bonds, and deposits money between branches in different places, and has not done much to support the development of national industry and commerce, whether it is a bank or a bank. Finally, I would like to talk about the business model of foreign banks in Shanghai, of course, their profits are quite considerable, relying on foreign privileges to issue banknotes in China, coupled with the exchange of international currencies and international lending, these three alone are not exaggerated to describe as huge profits! It's just no different from a robbery. Moreover, people take the silver of our Chinese to invest in foreign industries as a matter of course, while earning money and developing themselves, but there is no way, the country is weak, and only by watching others get rich and develop at the same time. As for the development of China's industrial and commercial industry, I'm sorry, people are not interested! ”

Speaking of this, Chen Moran shook his head helplessly and sighed lightly, the so-called world-class banks such as HSBC and Citigroup, which were world-renowned in later generations, all relied on the foreign privileges of this era, on the one hand, to absorb deposits, and on the other hand, with very small reserves, paper money in China, cash withdrawals, foreign loans, and even with the help of their own strength, they mastered the financial and financial power of the late Qing Dynasty and the later Beiyang political axe, and it was these economic privileges that enabled them to achieve the so-called commercial success in later generations.

"The year before last, the disaster of Gengzi, the old woman fled to Xi'an, and then asked Li Hefei to go to the aftermath, and as a result, the aftermath signed a peace outline aimed at squeezing out China's financial resources, no matter how to sign the peace treaty, anyway, hundreds of millions of taels of compensation is indispensable, the old woman must not be able to take out so much silver, only borrow, to borrow from the powers, but borrow to repay? What to take? The finances are bankrupt, what to pay? ”

When Chen Moran spoke, when he mentioned his wife and mother that he didn't notice, Xiao Xinren was startled at first, looked at him in surprise, and then smiled again, and even had a meaningful smile in his eyes.

"Do your best to squeeze the people's fat and people's cream!"

"This common people can squeeze everything they can squeeze is almost squeezed, what else can they squeeze, they can only find another way, use their brains in other aspects, where to use their brains? Industry and commerce, no work is not strong, no business is not rich, when the time comes, whether it is the old woman or the minister and the prince, I am afraid that they will affirm the various measures to reward industry and commerce and develop industry and commerce when the law is changed, and the goal is nothing more than to open up financial resources. I dare to say that in the next few years, in this land, there will definitely be a subversive change, whether it is to reform the official system and rectify the rule of officials, reform the criminal law and train the new army, or abolish the imperial examination and establish a new school, in the final analysis, we all need one thing, silver, where does the silver come from, and the key to solving the problem in the end is to set up business and revitalize industry! It can be said that there will be an opportunity for the great development of China's industry and commerce! ”

All of this Chen Moran said is nothing more than what is destined to happen in the next few years in history, and the reason is nothing more than the moment the military boots stepped into the Forbidden City, the brains of the whole of China woke up, and even if they didn't want to wake up, they had to face the reality when they listened to the sound of the military boots.

And Xiao Xinren was completely stunned by Chen Moran's urgent words, he almost couldn't believe everything Chen Moran said, for the sake of silver, it is possible to set up a business development industry, but as for the reform of the official system, the rectification of officials, the reform of criminal laws, the formation of a new army, and the abolition of the imperial examination, it is really too amazing.

"This is why I am anxious to open a bank in Shanghai now, the opportunity cannot be lost, the time will not come, it will not take a few years, with the development of the industry, this Shanghai will definitely open a series of banks one after another, then the competition will only be more intense, that will be such a good opportunity now! What's more, if I'm going to do it now, then I'm the first crab eater! ”

After saying it in one breath, Chen Moran let out a long breath and looked at the stunned Xiao Xinren, his surprise was already in his expectations, no matter who heard the previous arrangement, he would show this expression.

"How about it, Weiyang, come and help me! Together, we will build the largest bank in China and even in the world! Build a financial empire! ”