A great man once said that there are two eras in the world, one is the era of sitting firmly on the slave, and the other is the era of wanting to be a slave but cannot get it!

Think about it carefully, in later generations, the United States, which is known as the most ideal country, will not be the servants of the capitalists with well-dressed congressmen and presidents. Many people are vying to be slaves to the capitalists, and they are so red-faced that they can't do it!

From this point of view, there is no shame in being a slave, the key is who to be a slave to!

At this time, it was a feudal society of all evils, a society of cannibalism, and an era of rampant slaves.

It is not shameful for businessmen to be attached to officials, rely on officials, expand business, earn profits, and play blatantly in collusion between officials and businessmen. And it is not shameful to serve some big officials of the imperial court and be a slave to these big officials!

At this time, Zhao Pu threw out a proposition, and immediately got a huge response.

Looking at the businessmen present, the excited eyes, the fiery desire, Zhao Pu sighed again in his heart, the Great Song Dynasty is still the era of the official standard!

Founding a bank, simple cooperation, simple benefit sharing, this is not enough, but also the grace and power, thunder and rain, are all Jun's grace.

A businessman, a little impatient, couldn't help asking, "Zhao Gongzi, what kind of charter is it?" ”

"The bank, in general, is independent of the imperial court, remember that this is a shop, not a yamen! All the rules of the bank are carried out according to the business model, which is self-financing and decoupling from the imperial finances. Banks have tremendous freedom in specific matters. Of course, banks are not completely independent, at least financially supervised. Incoming and outgoing projects, income profits and losses, etc., must be supervised by the China Banking Regulatory Department to prevent corruption! ”

"Banks, the focus is on reputation, reputation is the foundation of survival; Bank. The key lies in the margin, in the early days of the bank, to face the crazy run of the people, at least half of the margin must be retained to deal with the run. Banks, in the early stage, should be psychologically prepared to lose money, and they must be psychologically prepared to lose money for at least two years! ”

"After the initial loss, the bank's efficiency will gradually increase, and then it will be able to handle the loan business. For how much money to save and how much to borrow. Customer profiles can be made to divide customers into different categories and then give appropriate policies. For those with good reputation and good business character, they can be appropriately discounted; And for those with a poor reputation. Those with poor business character can be given punitive measures! ”

Zhao Pu talked about the bank's various ideas. At the same time, the bank's information. It was handed over to the many businessmen present to be modified.

"What is a bank? There is not much to learn from in the past, and there are deficiencies in the above, please point them out? Zhao Pu said.

He never considered himself a genius, and he wrote the first draft of the bank plan; Later, it was modified by Qin Hui, Li Gang and others. It makes up for many deficiencies; Then there were the officials of the household department, which were revised and became more and more perfect; It's just that Zhao Pu felt that it was not high, so he asked the businessmen to revise it.

After all. No matter how perfect the planner is, in the end, it still has to be executed.

And he is just an outsider, Qin Hui and Li Gang are also outsiders, and businessmen are front-line workers and direct operators.

Their opinion is crucial and can be a matter of survival or failure for the bank.

Soon after, all kinds of opinions came up, looking at these opinions, Zhao Pu sighed again, the businessman's sense of smell is really sensitive, and he easily captured some of the bank's money-making points, and the number of ideas and the richness of ideas are breathtaking. Of course, there are some anachronisms, such as too high interest rates, such as insufficient loans, etc.

At the moment, it's pretty much done!

It's just that in the details, there are still many deficiencies, which need to be carefully discussed.

…………

Three days later, the bank's team was formed. After a series of examinations, a businessman named Zheng Weitao became the first president of the bank, and four deputy governors were appointed. It seems that in order to show his status, he has made the president the official position of the five products, and the vice president is from the five products.

After having an official status, he handed over his family's business to his juniors and devoted himself to the construction of the bank.

And the Banking Regulatory Department, the first director, fell into the hands of Zhao Ding.

Originally, Zhao Ding was the privy envoy of Zheng Erpin, but now he has become the director of the Banking Regulatory Department of Zheng Wupin, which can be regarded as a degraded official.

After getting the news, the court was in an uproar, and the world was unhappy with Zhao Ding, and seemed to be dissatisfied with his unfair treatment, and they wrote letters to intercede for Zhao Ding.

Looking at these movements, Zhao Pu smiled bitterly again.

Confucianism is ashamed of words and profits, and always stays away from money and the like, and is extremely slow about numbers. It has been a few days since the establishment of the bank, but the ministers of the DPRK and China have only swept it away, neither supporting nor opposing it, and have directly chosen to ignore it. The establishment of a bank is only regarded as a means to compete with the people for profit, just like a royal shop.

Although Confucianism is opposed to competing with the people for profit, it really happened, and it was only turned a blind eye, and Quan Dang did not see it.

Compared with the absurd things such as Huashigang and Shengchengang, the emperor's creation of a bank and engaging in small games are very small and not worth mentioning.

When the bank was bustling with activity, the court was deserted.

The banks are completely ignored!

It was not until Zhao Ding was demoted to the Department of Banking Regulatory Affairs that the bank was taken seriously. It turns out that the Banking Regulatory Department is a place where officials are demoted, and it is not easy to mix, so they will be demoted to the Banking Inspection Department!

………………

"Is it unbearable like this?"

Zhao Pu whimpered in his heart.

In later generations, bank presidents and the China Banking Regulatory Commission were all important departments of the state, and they had no certain connections, no outstanding talents, and no qualifications. But in the Great Song Dynasty, it was a cold yamen, and it was a place of degrading. It's a pity to think of the benefits of the bank, except for a very few people in the court, most people don't realize it.

In later generations, who does not know, the bank is the second treasury!

It seems that the ideological work is going to be done again.

When Zhao Pu summoned Zhao Ding again, Zhao Ding's hair was a lot whiter at this time, his face was a little haggard, and his expression was a little gloomy.

"Zhao Qing, you've lost weight!"

"Weichen ............" At this time, Zhao Ding's tone was a little choked. These days, his life is not good, the shame of defeat, and the snub in the foyer are all tormenting him.

The Song Dynasty did not kill scholars, but they would demote officials, but they would be exiled, and once exiled, they would rarely come back again. Li Gang came back, there was some luck in it, but could he have such good luck? Zhao Ding felt that the future was at a loss, and when he thought of being far away from the capital, wasting the years in a place of degraded officials, and never returning, his heart was bitter.

In the end, the emperor's will finally came down and demoted him to the director of the silver inspection department.

After getting the news, Zhao Ding was both lucky and bitter. Fortunately, although he was demoted, he did not leave the capital far away, he was still in the center, and there was a possibility of recovery; Unfortunately, he was demoted to the Silver Inspection Division, and he had to be in the company of copper stinking, and Sven was swept away.

At this moment, seeing the emperor, Zhao Ding's mind fluctuated, and various thoughts flashed rapidly.

"Qing family, have you been thinking about it recently, why was the army defeated?" Zhao Pu asked again.

Zhao Dingli knelt on the ground for a while, and said sadly: "Weichen is incompetent, resulting in the defeat of the army, this is all Weichen's sin!" ”

Justification is a cover-up, and shirking is a cover-up, which will only leave an unreliable impression on the emperor, and only by honestly admitting mistakes can the emperor forgive.

Zhao Pu said: "This is also my mistake. The Qing family was originally a literati, and they did not understand military affairs, so it was not as good as talking on paper. But I let Xiucai lead the troops to guard Yangzhou, which is a big failure. This is my improper use of troops, not the fault of the Qing family.

Zhao Ding was moved in his heart, he was able to take the initiative to admit his mistakes, there are too few such Ming Jun.

I saw that Zhao Pu continued: "Qing family, do you know why I want the Qing family to go to the Banking Regulatory Department and serve as the director?" ”

Zhao Ding said: "Weichen lost his troops and lost his generals, and he was repeatedly defeated by the Jin army, how can he serve the public without punishment!" ”

Zhao Pu shook his head and said, "This is not punishment, but reuse!" ”

Zhao Ding was stunned!

Zhao Pu shook his head secretly in his heart, Zhao Ding may have some talents, but he is really not good at financial management, he has no concept of money at all, and he has no concept of profit at all. Can he really take care of the banking department?

However, apart from him, I really can't find a suitable partner!

Banks will inevitably give birth to corruption, and will inevitably breed black-box operations. This requires an upright person, not greedy for money, not afraid of the powerful, to be able to serve.

Only Zhao Ding's character is suitable! (To be continued......)