On the evening of July 24, the bosses of various money banks in Shanghai who received the notice rushed to Xiao Mansion, and at this time, Cai Naihuang of Shanghai Daotai had already gone to Jiangning, so he naturally did not know about the meeting between these money bank owners and Xiao Zhenlei.

In addition to the three bosses of Zhengyuan Qianzhuang, Zhaokang Qianzhuang and Qianyu Qianzhuang, the owners of other 43 Qianzhuang in Shanghai were all present, and the living room of Xiao's Mansion was like a huge conference room. The number of sofas was limited and could not accommodate so many people, so the servants brought chairs and stools for the owners of the money bank to sit on. At this time, the bosses of these money banks really have no other way, the only way for them to keep a family business, and be able to beg for a bowl of rice in this industry, and not lose their trust in the citizens of Shanghai is to accept Xiao Zhenlei's suggestion, in addition to the two ticket numbers of Yuanfengrun and Yishanyuan, which have obvious official government backgrounds, integrate the money banks and ticket numbers of all the silver money industry in Shanghai, and merge these money banks and ticket numbers with Zhenhua Commercial Bank, and there is no other way.

When everyone arrived, Xiao Zhenlei asked the dog to close the iron gate of the yard and the gate of the western-style building, and then walked to the main seat and sat down under the gaze of the bosses of these money banks, turned his head to look left and right and asked, "Everyone has arrived, right?" When we're all there, let's get started! ”

After taking a sip of tea to moisten his throat, Xiao Zhenlei continued: "Bosses, if you can come here today, it means that you have recognized the current form, and merging with my Zhenhua Commercial Bank is the only feasible way. Perhaps he could come forward as a guarantee to borrow money from a foreign bank by the will of the imperial court, but don't forget. Now the two most powerful ticket numbers, Yuanfengrun and Yishanyuan, are also in jeopardy at this time, if they can borrow money from foreign banks. Will this money really go into your bank? What is your relationship with the government? It doesn't have anything to do with it, only the source of abundance and righteousness have the background of the government, of course Cai Naihuang wants to deposit money into these two ticket numbers to stabilize the financial market, and your money bank can only be forced to close down because it cannot get the capital injection, this is the reality! ”

After listening to Xiao Zhenlei's analysis, there were originally a few lucky money bank bosses who were completely disappointed in the government at this time. The boss of Yuanfeng Qianzhuang asked, "Okay, Boss Xiao, last time you just said a way to merge, but you didn't specify how to merge." Can you elaborate on that? ”

Xiao Zhenlei heard this: "Of course you can, the specific way is to first evaluate the assets of your money bank, this can be evaluated by a professional accountant, how to evaluate this asset, the accountant has his own method, if the property right of the money village is your own, of course it is your own assets, but if it is not your own property, but rented." It is not your property, and the accountant will ask for the relevant certificates, calculate the value of other equipment and facilities in your bank, and also check your own liabilities. These should be checked before the merger, and the new bank after the merger will not recognize your liabilities, so the real assets of your bank are the remaining property after the debts are removed. If, at the time of liquidation, you are found to be insolvent. Then I can only apologize, all insolvent banks cannot be merged. You will have to figure out what to do, either go out of business or sell other properties to pay off your debts, and the newly merged bank will not be obliged to pay off your debts for you! After the merger, each person's shares are calculated based on the remaining actual assets of each person's current bank or ticket number. ”

The bosses of these money banks here have some family backgrounds, some may have some real estate, and some may have other companies and factories, etc., and the situation of insolvency should be rare, but it is not impossible.

Xiao Zhenlei continued: "Of course, for the insolvent bank, if you don't want to bear the infamy, you can sell the bank to our newly merged bank, and the debt will also be taken over by the new bank, but you have to make up for the shortfall, so that we can integrate all the money bank, and you don't have to bear the infamy, if you want to continue to work in the new bank, I Xiao is very welcome, but you can't become a shareholder of the new bank!" ”

After listening to the plan proposed by Xiao Zhenlei, the bosses of these money banks sighed one after another, it seems that no one is a fool, and it is impossible to fish in troubled waters here.

One of the bosses raised his hand and asked, "Boss Xiao, after the merger of each bank and Zhenhua Commercial Bank, a new bank was established, so what is the management structure of the new bank?" ”

Xiao Zhenlei nodded and said: "Boss Chu asked this question very well, after the establishment of the new bank, the top management is the board of directors, and the board of directors requires that the shares they occupy are at least one percent or more, otherwise they cannot become members of the board of directors, and other shareholders will automatically become members of the general meeting of shareholders, and the board of directors as the executive governing body of the general meeting of shareholders is determined, because the members are determined according to the number of shares they hold, so there is no question of whether they are elected or not, the board of directors is the highest decision-making level, and the general meeting of shareholders is held once a year. The main purpose is that the board of directors reports to the shareholders on the bank's operation and future business strategy, and the other purpose is to distribute dividends. Shareholders can work in the bank, can get a salary, board members can not work in the bank, do not get a salary, only get dividends, staff without shares have a salary, usually the daily operation of the bank is responsible for the general manager, the board of directors has an executive president, responsible for the implementation of the board of directors' resolutions. The merged stores will be renovated and all of them will be converted into branches of the new bank, and this is the general situation! Is there anything else you would like to ask? ”

Prior to this, Xiao Zhenlei had already asked Chen Huizu to send someone to secretly investigate and evaluate the assets of these banks, and it was very clear that these banks were already insolvent, so he would not merge these banks, and only those banks whose assets were greater than their liabilities would be merged.

At this time, someone asked: "Boss Xiao, it will take a long time to evaluate the assets of our bank and check the accounts, and during this time, our bank will probably be run out of business by the citizens long ago, how to solve it at this time?" ”

The bosses of other money banks also said: "Yes, Boss Xiao, this matter of checking accounts and evaluating assets is very time-consuming, and this time is not short, how to solve the dilemma of our money banks?" ”

Xiao Zhenlei raised his hand to signal everyone to stop making noise, and waited for the voice to calm down before saying: "During this period of checking accounts and asset evaluation, our Zhenhua Commercial Bank will transport a batch of money to your bank to solve your urgent needs, but before that, you must sign a merger and acquisition contract with Zhenhua Commercial Bank, and the business authority will be fully taken over by Zhenhua Commercial Bank, and then the money will be transported to each bank, after the completion of the inventory of accounts and asset evaluation, Then distribute your equity in the new bank according to your actual remaining assets, for those insolvent banks, we have a number in our hearts, and we will definitely not take over those messes, this is the solution! ”

The bosses of the money banks were relieved to hear Xiao Zhenlei's solution, so that they had no worries in their hearts, as long as Zhenhua Commercial Bank took over, they could completely be the shopkeeper, and Zhenhua Commercial Bank would handle the rest of the matter, what he had to do was to announce in the money bank that the people sent by Zhenhua Commercial Bank would take over the management, and let those employees in the money bank obey the command.

Xiao Zhenlei said: "There is one more thing, we can't announce the merger to the outside world for the time being, so I hope you go back and keep your mouths shut, and when the time comes, I will naturally stand up and announce this time."

This makes the bosses of the money banks very puzzled, like now, in the case of the crazy run by the citizens, only the sooner the merger is announced, the situation can be stabilized, but Xiao Zhenlei just does not do this, is there any reason for this?

One of the money bank bosses asked: "Boss Xiao, I can't see through your approach, if the merger is not announced earlier, the citizens' run on the money banks will not stop, after a long time, is the deposit of Zhenhua Commercial Bank enough?" ”

Xiao Zhenlei waved his hand and said: "You can rest assured, the deposit bank of Zhenhua Commercial Bank can completely resist this run, as for why I did this, don't worry about it, I have my reasons, but I guarantee that there will be no problems with your assets!" ”

Hearing Xiao Zhenlei say this, the bosses of the various money banks were relieved, for them, as long as their actual remaining assets did not shrink, what Xiao Zhenlei did was his business, and it had nothing to do with them, so they didn't bother to care.

In fact, Xiao Zhenlei did this so that this storm would not be affected by his mergers and acquisitions of major banks, and if the rubber stock trend was to be raging, let it continue to rage, if it was not allowed to continue to rage, how could the Qing Dynasty government's finances go bankrupt? If the Qing Dynasty had not been financially bankrupt, how could it have nationalized the main railway lines? If the main railway lines were not nationalized, how could the Qing government provoke a road protection movement in various places, and then an uprising broke out? Xiao Zhenlei wished that the Qing government would end up soon, and he would not allow the Qing court to stay longer because of his own reasons!

Seeing that the bosses of these money banks had no opinions, Xiao Zhenlei asked Chen Huizu to distribute the merger and acquisition contracts to these people, of course, a few bosses did not get the contract letters, because Xiao Zhenlei had already sent people to investigate, and the money houses of these bosses had long been insolvent. (To be continued......) R1292