Chapter 246 Promotion of the Financial System
After Wei Ping sent the first letter of persuasion to Yazhou, the port management committee had already arranged for people to start building the new yamen of the Yulin Inspection Division. However, due to the recent development of the Iron Furnace Port, most of the construction workers under the Ministry of Construction have been sent to the Iron Furnace Port to work, so the construction progress of the Inspection Department can only be described as quite slow, and the basic ground drainage ditch and foundation construction have only been completed in more than ten days, and even the shadow of the house has not yet been seen. Although Wei Ping was very anxious in his heart, he didn't dare to urge the people of the Ministry of Construction, but the Ministry of Construction was the yamen directly under the direct charge of Tao Donglai, the head of Tao, and he couldn't afford to offend, and Wei Ping understood the stakes very well.
Moreover, the project is not only delayed by the Inspection Division, but also the "Safety and Security Office" and the "Port Center" on the left and right sides of the Inspection Division, which have also only completed the foundation works in the early stage and have not received any special care, which makes Wei Ping unable to find any faults.
The fact that the inspection department has not been established does not mean that Wei Ping's gang does not have to do things. Early that morning, someone notified Wei Ping and asked him to assemble his whole team and go to the dock to perform the task. This is not the first time Wei Ping has received this so-called "task". Since September, every time a large number of migrants arrive at Shengli Port, the relevant departments will pull out the inspection department and the group to appear on the dock, so as to play a dual role of reassurance and deterrence for the new immigrants. Wei Ping gathered the team unhurriedly, dressed neatly, took the flag of the Inspection Division to the dock, and began another performance. And this time, seeing the scene of more than a dozen ships entering the port at the same time, the group of people in the inspection department also talked about it, speculating whether the Haihan people had a new base to develop.
With a large number of militia and security guards present, there is no need for the Inspection Department to intervene in such a matter as maintaining order. At this time, Ren Liang sent someone to convey a new task to them, to meet a group of merchants from Guangzhou who had just arrived here. Only then did Wei Ping know that more than half of the ships in this fleet came from Guangzhou. And Ren Liang's purpose of asking him to "meet" in the past, Wei Ping also understood very well, that is, to admonish these outsiders in his official capacity, so as not to cause trouble in Shengli Port.
So Wei Ping and a group of his men hurriedly rushed to another wharf, and gave a brief lecture to several Guangzhou merchants who had just disembarked, the content of which was nothing more than to warn them to be honest during the Shengli Harbor period, obey the arrangements of the Port Management Committee, and if they broke the law and caused any trouble during the Shengli Harbor period, then they should not think of returning to Guangzhou.
Wei Ping's remarks not only did not arouse the disgust of the merchants, but made them feel more relieved. Several of these maritime merchants have not been to Hainan Island, after a few days of drifting on the sea, they can't distinguish the direction at all, although they know that this Shengli Port is near Yazhou, but there is no clear concept of where it is, and now they see that there are people from the Inspection Department stationed here, at least it is certain that this is under the rule of the Ming Dynasty, at least in their eyes.
At this point, the task of the inspection department is basically completed, and the rest of the work will be taken over by the port management committee. Ren Liang took a group of interested newcomers to visit the Shengli Port Business District, which is under development, and briefly explained to them the significance of the establishment of this business district and some foreign policies of the business district.
Almost all merchants are amazed when they hear about the duty-free policy of Shengli Port, which is extremely attractive to merchants who are engaged in the transportation of bulk goods by sea all year round. If you can save hundreds of taels of taxes per transaction, then the savings over the course of the year are very considerable. In contrast, the freight required to transport goods from Guangzhou to Shengli Port is a small amount.
Ren Liang said: "As you have just seen, we are expanding the port here, and when it is completed, it can dock more than 30 large sea vessels at the same time, and will be equipped with a special cargo handling team to achieve efficient and orderly cargo throughput." In addition, please remember that as long as we buy the goods, there will be no additional charges for unloading in Shengli Port, of course, the goods you buy in our hands will naturally not have a loading fee. (Baidu search update is the fastest and most stable)"
A merchant asked, "But the goods we bring here may need to be traded with other merchants, I wonder if you will provide a special trading place for foreign merchants?"
"We will build a dedicated trading center at the port later to publish the prices and demand of various goods in real time, so that the bosses can know the local commodity market," Ren said. And we will also provide a third-party risk guarantee for both sides of the transaction, the buyer can deposit the silver in the trading center, and issue a bill after the inspection is satisfied, and the seller will take the bill to the trading center to receive the silver, as long as you use this way to trade, you don't have to worry about being deceived. ”
"Is there a fee for this kind of transaction guarantee?" asked another businessman.
Ren Liang said with a smile: "Since we have provided services and taken a certain amount of risk, it is normal to charge a little service fee." However, please rest assured, the fees we charge are very low, only charging 1/1000 of the transaction amount to each successful transaction as a service fee. ”
Everyone thought about it, this thousand taels only collected one tael of silver, in fact, it was almost the same as confiscation, not to mention that people also had to provide a variety of service means, compared to the commercial tax of thirty taxes and one under the Ming Dynasty, such a fee was simply negligible.
A chubby merchant wiped the sweat from his forehead and asked in a Chaoshan accent: "If the amount of money is huge, and it is inconvenient to transport it from Guangzhou, can you have a solution?"
"We have long considered this problem, the bosses can deposit the cash into the money bank of Shengli Port, and directly use the silver ticket issued by the bank to transfer the transaction, and next year we will also open the general deposit and exchange business between Shengli Port and Guangzhou, as long as the silver ticket issued by our Haihan Bank, you can freely exchange huàn cash in the two places. Ren Liang worked very hard to promote to these merchants: "In other words, everyone does not need to carry a large amount of cash silver across the sea to do business in Shengli Port, but only need to deposit the silver in our money bank in Guangzhou, and come to Shengli Port to trade with the silver ticket. ”
The levy was a tax established by the Municipal Department of Maritime Affairs for those maritime merchants who traded in Luzon, and these merchants often returned with no goods but large Mexican silver dollars, and the Municipal Department added such a tax to fill the loopholes in the tax system. The method proposed by Ren Liang can not only avoid the risk of shipping a large amount of silver between the two places, but also allow the maritime merchants to "reasonably avoid taxes" when they return to Guangzhou and avoid the levy of additional salaries.
Although the stock of precious metals passing through the group is not very large, the financial sector has been eager to integrate the banking system into the business system. Schneider also made several reports from Guangzhou, explaining the benefits of establishing a system of mutual deposit and exchange between the two places to expand the trade volume of Shengli Port. Naturally, the Executive Committee also knew that the money bank was a good business for a lot of money, and it could indeed greatly promote the enthusiasm of merchants to trade in Shengli Port, but in view of the fact that the shipping frequency between the two places has not yet been fixed, and the establishment of a money bank between the two places will inevitably involve the transportation of a large amount of money, this economic expansion plan has to be postponed for a period of time, and will not be implemented until the sea transportation capacity is eased.
However, it is more difficult to gain the trust of the maritime merchants than the operation. Changing the real silver into a few pieces of paper seemed to the merchants of this era to be insecure, because the lessons of the Ming treasure banknotes were still vivid.
As the only official currency during the reign of the Ming Dynasty, the Ming treasure banknote was issued from the eighth year of Hongwu to the Zhengde period because of the depreciation of the people and had to be abolished, a total of more than 270 years. Since then, the people of the Ming Dynasty have a natural rejection of banknotes, because no one knows how long this thing can be valid. The official currency was still like this, and it was even more difficult for these merchants to recognize Haihan's money and silver bills.
The original reason why naturalized people accepted negotiable coupons was mainly because there was no other choice, because it was no longer possible to use copper coins and silver for ordinary transactions in Victory Harbor, and they had to use negotiable coupons to buy anything. In the long-term use, the people have gradually accepted this form of currency in the form of negotiable coupons, not to mention that the price of Shengli Port has been kept at a relatively low level due to the deliberate control of the Executive Committee, which also ensures the purchasing power of negotiable coupons to a certain extent, thus giving the people enough confidence to hold and use them.
In the last years of the Ming Dynasty, there were already some bank-like money banks, ticket numbers, and silver numbers that appeared among the people, but the accumulation of this kind of credit often took several generations of time, and the executive committee did not have such good patience to grind slowly, let alone introduce private money banks from the mainland to Shengli Port to grab their own meat to eat. However, the amount of money used by merchants in transactions is relatively large, often hundreds or thousands of taels, and no one will take their net worth lightly to risk the credit of a new bank. Therefore, Ren Liang's promotion of Qianzhuang did not arouse the interest of merchants. On the contrary, some people secretly began to mumble in their hearts, whether this Haihan people are so whimsical, whether they are really trustworthy.
Ren Liang was not too surprised by the cold reaction of the businessmen, which was actually expected by the Executive Committee. If you want to promote more advanced financial concepts and operation methods in this era, it is not something that can be achieved overnight, and everything must be done after someone has to stand up and eat crabs first, in order to attract more followers because of its exemplary role, and the same is true for the emergence of paper money and banks.
Fortunately, the promotion and establishment of the financial system has already been carried out from the beginning of the landing, although there is no formal money bank yet, but in fact, Haihan's financial system has long been operating externally, and there are also several partners, and the current trade with the group of several parties, basically have accepted the settlement method of the group's negotiable bills. In particular, the "Fu Ruifeng" firm, which has a large transaction volume with the crossing group, has already agreed that the two sides can use bills to replace cash in cash for financial settlement in Shengli Port and Guangzhou.
It just so happens that Li Nai, the third young master of "Fu Ruifeng", is also a guest in Shengli Harbor, and Ren Liang will definitely not miss this opportunity for the parties to show up and speak. Jiang San soon led Li Nai to the scene, intending to let these new merchants understand how Haihan's financial system worked.
Prior to this, the Executive Committee had also talked to Li Nai about this matter, hoping that he could contribute to convincing the merchants in Guangzhou to accept Haihan Qianzhuang. Li Nai didn't have much resistance to this, and quickly agreed. With the gradual deepening of the cooperation between the two sides in recent months, "Furuifeng" has gradually felt the convenience of this remote settlement system. For example, Li Nai did not bring too much cash at all when he came to Shengli Port this time, and the goods purchased in Shengli Port could be settled directly with the Guangzhou Office by the "Fu Ruifeng" general number in Guangzhou, and there was no longer any need to take the risk of transporting tens of thousands of taels of silver to and from sea to and fro.
And Li Nai himself has lived in Shengli Port for longer and longer, and his feelings about the "superiority of the system" that the Haihan people often talk about have become deeper and deeper. This superiority is not only reflected in the management form of the Executive Committee, but also plays a role in scientific research, production, commerce, life and other aspects all the time. And now that the Haihan people are trying to officially launch the financial institution of Qianzhuang to the mainland, Li Nai also has great curiosity about this, and he really wants to see what extraordinary moves the Haihan people have in terms of finance, who have created many miracles.
Li Nai's appearance only caused a small commotion, after all, the slightly larger merchants in Guangzhou knew that "Fu Ruifeng" had a great relationship with the Haihan people, and Haihan goods in Guangzhou had always been sold only by the "Fu Ruifeng" family, and it was reasonable that Li Nai, as the third young master of the Li family, would appear in Shengli Port.
After Li Nai's appearance, most people had fewer doubts about the money village that Ren Liang said. After all, the scale of the transaction of "Fu Ruifeng" is there, if the Haihan people want to make money, I am afraid that "Fu Ruifeng" will be the first to be unlucky, and Li Jifeng is well-known in the circle of businessmen in Guangzhou, he obviously will not take such a big risk for no reason, let alone casually let his son come out to endorse the Haihan people, of course, in fact, the last article is Li Nai's own opinion, and he did not pass his father's consent.
Next, Li Nai also generously took these merchants to visit the construction site of "Fu Ruifeng" in the local commercial inn. At present, in addition to "Fu Ruifeng", Yazhou's local merchant "Anfu Xing" has also circled a piece of land in the business district and is preparing to open a business inn. In addition, Luo Shengdong, in the name of Yazhou Water Village, also asked for a small piece of land near the wharf, and reported to his boss that it was to be used as a "Yazhou Navy stronghold", but in fact, he was going to pull He Shen General into the shares and open a restaurant here to do business.
After Wei Ping heard about it a few days ago, he also anxiously asked Ren Liang to apply for land, and claimed that the inspection department had already discussed it and was ready to put forward all the "office funds of the inspection department" next year and open a restaurant in the business district. However, this requirement was temporarily pressed by Ren Liang, if Wei Ping handled the affairs of Yazhou well, the land would be easy to say, if this matter was not done well, then let alone the land, even whether there would be a deposit of the Yulin Inspection Division next year has to draw a question mark.
As soon as the merchants looked at the scale of the construction of the "Fu Ruifeng" inn, they knew that the Li family had invested a lot of money here, and they were going to stay here for a long time to do business with the Haihan people. At that moment, some anxious people began to ask Ren Liang about the local land policy, and were ready to follow "Fu Ruifeng" to Shengli Port to set up a business inn. Some people also quietly pulled Li Nai aside and asked him if the strength of the Haihan people looked so strong.
After listening to this, Li Nai sighed: "If you take Qiongzhou Island as a place, there is no one who can stand out. Ladies and gentlemen, this place will become a big port in the South China Sea in a few years, and the money and money required to start at this time is not too much, if you have to wait until this place becomes a big port to think of this enclosure, it will be too late!"
Some people who don't know the truth are still a little dissatisfied with Li Nai's evaluation: "This place is under the rule of Yazhou, and I have always had dealings with high-ranking officials in Yazhou, so it must not be as difficult as Brother Li said to ask for a piece of land." ”
Li Nai said with a smile: "This is wrong, now Yazhou is weak and Haihan is strong, although this place is indeed under the rule of Yazhou, but the lord of Yazhou may not be able to manage the affairs of Shengli Port." ”
"What does that mean?" the man asked, puzzled.
Li Nai saw that no one was paying attention to him left and right, so he lowered his voice and said: "The officials in Yazhou, since they know the same thing, have been bought by the Haihan people, even if the master of Zhizhou is interested, how can the people below be willing to go against the Haihan people?"
"Aren't the Haihan people afraid that the adults over there in Yazhou will find an excuse to send troops and ships to blockade this place?" the man still looked incredulous.
Speaking of this, Li Nai said with disdain: "The militia of the Haihan People's League here is more than the official army in Yazhou Shuizhai, and the combat strength in terms of armament and combat power is much more than that of the official army...... If you stay here for a few more days, you may have the opportunity to meet the general of Yazhou Water Village with a military boat to report here. Now the general Luo who led the troops in Yazhou Water Village came to Shengli Port much faster than in the next office, and he must arrive on the fifteenth day of the first month of each month, which is more punctual than offering incense to the Bodhisattva. ”
"That's it!" the man was startled. The collusion between officials and businessmen is not news, but the collusion between soldiers and businessmen is rare, and listening to Li Nai's tone, it is obvious that the cooperative relationship between the two parties has been extremely deep.
Li Nai said meaningfully: "Victory Port, this place is like the house of you and me, it is all under the rule of the Ming Dynasty, but in this house, it is naturally the master who has the final say. Haihan people are the masters here. ”