[Today's second update]

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"Uhh

Wang Chenhao, who was inspecting the Bank of America building, suddenly sneezed, and Godener hurriedly inquired.

"Boss!"

"It's fine!"

Wang Chenhao waved his hand, just an ordinary sneeze.

Accompanied by Godener, Wang Chenhao visited the entire bank building. After a series of renovations, the whole building integrates the advantages of Eastern and Western decorations, and is a combination of Chinese and Western landscapes.

Under armed escort, crates of gold were removed from Maria's safe and safely transported to the underground vault of the Bank of America building.

"This gold is exchanged from banks in various countries, and the purity and imprint are different, and later you will have time to re-smelt all this gold and mark it with the unique mark of our Bank of America, so that when there is a gold transaction in the future, it can also do some publicity for the bank."

Wang Chenhao was instilling the great role of advertising in Ge Denger, who was well versed in financial operations and quickly understood what Wang Chenhao meant. When I bought the building on Wall Street, one of the purposes was to advertise on Wall Street.

At noon, Tang Shaoyi received a letter from Prince Gong. Since there was nothing to do at the consulate, Tang Shaoyi personally came to the Bank of America building and handed the telegram to Wang Chenhao.

When Wang Chenhao discussed things with Tang Shaoyi, Ge Denger would always take the initiative to leave, and he was more discerning. However, Wang Chenhao felt that Godener would be a right-hand man, so he soon let him sit in attendance. For Wang Chenhao's extra weight, Ge Denger is also very grateful.

Wang Chenhao read the telegram that Yi gave him, and after reading it, he suddenly smiled and said, "Devil Six actually asked me to go back to fight the horse hanging?" ”

Tang Shaoyi said with a smile: "My lord, I'm afraid the drunkard doesn't mean to drink!" Fighting horses and hanging is a means for these princes to loot the pockets of civil and military officials, and it seems that you have made Prince Gong target. ”

Wang Chenhao smiled bitterly and said: "I have made such a big move, I am afraid that I will not only be targeted by a pair of eyes, but fortunately, this devil six is still useful, and my private fleet has to count on his naval yamen to take care of it!" ”

Tang Shaoyi asked, "How are you going to send this devil six?" Back then, he didn't knock on Li Zhongtang's bamboo pole. ”

Tang Shaoyi saw that Wang Chenhao had a devil six, so he also followed and talked about the devil six, anyway, there are no outsiders here.

Wang Chenhao thought for a while and said: "Devil Six is not short of money to spend, we will suffer if we send him more money, and if we send less, it may not have any effect." ”

Tang Shaoyi then said: "Devil Six likes foreign things, why don't adults think about it in this regard?" ”

Wang Chenhao then looked at Ge Denger, and Ge Denger's brain turned quickly, and he immediately said: "Isn't the boss going to send a four-wheeled car to Cixi?" It's better to give the devil six a car, that thing is a rarity, I guess he will like it. ”

Four-wheeled vehicles are automobiles, but now cars are not popular because they are expensive, and only aristocratic and wealthy businessmen can afford to use them. In the United States in 1896, there were only 7,600 four-wheeled vehicles, and it was not until 1903 that Ford popularized four-wheeled vehicles, and the emergence of assembly line operations led to the take-off of the automobile industry.

Wang Chenhao will return to China soon, he knows that after returning to China, there will be hundreds of mouths waiting to be fed, the largest of which is Cixi, although Wang Chenhao has leveled Li Lianying and made him say good things to himself in front of Cixi, but he has to send this old lady happy, if she is unhappy, she can't play anything.

Wang Chenhao knew that Cixi liked cars very much back then, but because she didn't like the driver to sit in front of her, she abandoned them for many years.

After Wang Chenhao arrived in the United States, he ordered someone to buy the Detroit Automobile Company and hired Ford as a car designer to design a small car for the Empress Dowager Cixi.

At this time, Ford was not a businessman, and he had been immersed in car design since he successfully designed the Ford No. 1 at Edison's lighting company. So he left Edison Lighting with eight of his colleagues, and together they founded the Detroit Motor Company. But the company's lack of funds, coupled with the fact that Ford and eight of his colleagues were all focused on inventing cars, soon collapsed because they were so focused on new cars that they neglected to sell them. Wang Chenhao seized the opportunity to wholly acquire the Detroit Motor Company, leaving Ford and all eight of his associates.

Since Cixi didn't like the driver in front of her, but if the driver was arranged in the back, it would affect the driving and it would be easy to get into an accident. Just when Ford and the others racked their brains and couldn't come up with it, Wang Chenhao gave him a hint.

Wang Chenhao asked Ford to design a double-decker car, so that Cixi could do it on top and the driver under her, so that there would be no decent problems. And having Cixi on top, looking down on the bottom is more in line with her heart.

In this way, Ford and his companions designed and built the world's first double-decker car, a double-decker passenger to be exact. Because the space of the car was too small, Cixi couldn't drive it, so Ford lengthened and widened the body, so that the car must be stable when driving.

Cixi's car was luxuriously decorated, and Wang Chenhao couldn't wait that long, so Ford built her and shipped her to San Francisco by rail, while Wang Chenhao took the sea route, bypassing South America and taking the car away in San Francisco, so that there was plenty of time.

However, Yi does not need these rules, and only needs to modify the Ford No. 1. The decoration is more luxurious, just meet the prince's style.

So Wang Chenhao decided to give Yi a car as well, but in this way, there must be many high-ranking officials who were jealous and envious, so Wang Chenhao decided to immediately let the car company operate, produce 20 cars and bring them back to China as gifts.

In the afternoon, Ge Denger continued to take Wang Chenhao to inspect, and Tang Shaoyi was fine, so he also accompanied him.

The banking service hall is bustling with people handling all kinds of banking business. At this time, the bank did not have the advanced facilities of later generations, and all the business was completely carried out by the bank staff, which was relatively inefficient, so the bank staff was naturally very busy.

Wang Chenhao's Oriental face surprised all the bank staff, but they soon learned from Goden'er that this Qing Empire official was their real boss, and Wang Chenhao had just given them a large reward because everyone liked the young Chinese boss very much.

"For civilian depositors, I suggest that only account opening fees and appropriate transaction fees be charged, and that the deposit fee system be abolished!"

"Boss, the account opening fee and appropriate transaction fees we charge are not high, and they are at the middle and lower level in the industry. The deposit fee system is also only for ordinary people who have less deposits but more transactions, you know, our bank operating costs are very high, ordinary people save less, but the number of uses is high, which virtually increases our operating costs. If we don't charge them for deposits, then we're going to lose money. As a commercial bank, for the purpose of making a profit, I don't think the boss will be so generous that he will put money into it! ”

What Godener said made sense, but Wang Chenhao was much more far-sighted than he was. At present, banks around the world charge depositors a certain amount of deposit fees and transaction fees, which virtually blocks a large number of depositors.

"I understand what you mean, I'm not a good person, it's impossible to put money into it. However, I will tell you that 90% of the world's ordinary people have very little personal savings, and we have no profit to make or even lose money. But have you thought about it, if a common person saves money, we will lose, but if thousands of ordinary people save money, it will be a huge amount of money. We use this huge amount of money to invest, to lend, to speculate in stocks, and the rate of return must be very high. We made more than enough money to cover the cost of collecting deposit fees. ”

Godener still hesitated and said: "I understand the boss's idea, but all the banks have not tried this strategy and have no experience. ”

Wang Chenhao said with a smile: "You can rest assured, do it boldly, I guarantee that it won't be long before you will find out the huge profits in it." ”

Seeing that Wang Chenhao insisted, Ge Denger had been persuaded in his heart, so he decided to give it a try.

In this way, the Bank of America took the lead in reforming deposits, and for the first time stopped charging deposit fees for depositors with small deposits. However, in order to limit the burden on the bank if one person opens multiple accounts, he formulated the regulation that the first account of an individual is free of charge, and the second account will be charged, so as to prevent the generation of a large number of empty accounts to increase the burden on the bank.

Bank of America, as the first bank in the world to open deposits to ordinary people for free, is also the first bank to eat crabs. Since the implementation of the new ordinance, the six branches of the Bank of America in New York have been full every day, and New Yorkers are scrambling to deposit their spare money in the Bank of America, and some citizens have even deposited all their family funds in it, after all, there is no additional deposit fee, which is really cost-effective for them.

Of course, this also adds a considerable amount of workload to the staff of Bank of America, who are constantly busy every day, and the eight-hour workday is far from sufficient. As a result, Wang Chenhao suggested that Bank of America should be set up with a 24-hour operating mechanism. With employees working three shifts over an eight-hour period, Bank of America became the first bank in the world to operate 24 hours a day, and its popularity quickly rose to become the most popular bank among New Yorkers.

For the business expansion of Bank of America, Wang Chenhao suggested opening branches in several major cities in the United States. And Gedener had long planned to expand, and immediately started work according to Wang Chenhao's instructions.

The expansion of the Bank of America will be carried out in several steps, the first expansion will be carried out in the ten largest cities in the United States, such as Washington, Chicago, Philadelphia, San Francisco, Detroit, Orleans, etc., the means of expansion is only to merge some small and medium-sized banks in these cities, and then use the geographical relations of these banks and the complete banking operation system to form the Bank of America branch. The benefit of this is that it can be put into operation quickly, without the need to train banking professionals.

The second step is to establish bank branches in China's six largest and most developed cities, Yanjing, Tianjin, Shanghai, Xiamen, Guangzhou and Wuhan, with Shanghai as the main construction target, Wang Chenhao intends to move the headquarters of Bank of America to Shanghai in due course, and he intends to build Shanghai into a world financial center.

The third step is to expand internationally, with Bank of America opening branches in capitals and the most developed cities to draw money from around the world. Wang Chenhao's idea is that the snowball rolls as big as possible, and with the backing of strong bank funds, everything will be smooth, because this is a world where money can make grinding ghosts.

In addition to Wang Chenhao's suggestions on the construction of the Bank of America, he also asked Ge Denger for help in another matter.

Wang Chenhao knew that the currency system of the Qing Empire was chaotic at present, the central monetary system was in place, and the provinces also had their own monetary systems, and even the newly appointed governor would directly abolish the original monetary system and set a new set of standards in order to loot the people's fat and ointment. For a long time, the common people in China have been so troubled by this chaotic currency system that many people use foreign currency and refuse to use national currency.

In order to change this situation, Wang Chenhao hoped to unify the currency system, so he consulted Godener on technical issues related to this.

The currency system is a compulsory subject for financial experts like Godener, so there is nothing wrong with currency reform for him. The key issue is that the monetary reform must be carried out by a strong political axe, which Wang Chenhao is in line with, he now controls most of the Beiyang, and has absolute force in hand, and can be forcefully implemented under force if necessary. The second problem is that currency reform will create a new form of money, and a team of experts in currency engraving with cutting-edge technology will be needed to prevent currency from being counterfeited. At the same time, there must be a complete set of currency printing equipment, which requires contact with the British or American political axes, because only their banknote printing equipment and anti-counterfeiting technology are currently the most advanced.

This is not a problem, Wang Chenhao said that it can be done. So Godener set out to work out a plan for monetary reform, but it was not something that could be done in a day or two. Wang Chenhao was not in a hurry, and said that he would only consider it after returning to China, so Ge Denger had enough time to formulate relevant plans.