Banks and money banks have a lot to do with each other, but while they share the same characteristics, they are also very different. Mo Jing's original intention was to cooperate with the Jin merchants who were in charge of China's money industry to establish the first bank of the Qing Dynasty, so as to promote the development of China's financial industry. In order to make a profit from it, it can also gradually control the Chinese market, in order to create an economic behemoth, a financial group that can confront or influence the Qing court in another form.

However, the Jin merchants did not agree. In this regard, Mo Jing didn't know what to say. The Jin merchants were shrewd, and in Chinese history, few people were as lucky as them, relying on the right time and place to quickly climb to the mythical peak of wealth; However, there are few people like the Jin merchants, who have repeatedly rejected God-given opportunities, with fanatical persistence to cling to the defects, and with the shrewdness of genius to be foolish and stupid.

At present, most of the money banks, especially those under the control of the Jin merchants, operate in a situation. That's delegated management. Jin merchants basically run in the form of families, however, they cannot guarantee that their entire family will be shrewd businessmen, in this case, in order to ensure the sustainable development of their families, Jin merchants generally adopt this approach, entrusting their business to trustworthy and talented people. This is a form of delegated management that is known as the "Tosho relationship". East, that is, the east; Palm, that is, the shopkeeper. The general rule of the relationship between the proprietor is that the proprietor cannot intervene in the shopkeeper, and the shopkeeper cannot intervene in the business. This kind of entrustment is a magic weapon for the success of Jin merchants, and with this relationship, they have obtained a huge return for outstanding management talents with carte blanche entrustment. However, the Jin merchants seldom signed binding provisions on such commissions, and there were no corresponding penalties for managers. Of course, in the current society, which still generally emphasizes traditional morality such as honesty and loyalty, the practice of the Jin merchants is not indispensable, but Mo Jing deeply knows that a big reason for the destruction of the wealth myth of the Jin merchants is this "Dongzhang relationship". In her opinion, this commission can only be called a huge black humor. An enterprise that does not respect shareholders and only has managers as the most important thing may have short-term glory, but it will definitely not have a long-term life, which is the foundation and "heavenly rule" of the entire Western management science, and whoever violates this "heavenly rule" will have to pay a heavy price.

However, Mo Jing was unable to persuade those shrewd Jin merchants. Great success can cultivate incomparable self-confidence, and the Jin merchants at this time definitely have a reason to be confident or can be called stubborn. Moreover, the Jin merchants also manage their own enterprises very strictly. In addition to the shopkeepers who have absolute management rights, these Jin merchants have strict control over other employees. For example, Kang's family money village stipulates that the time for his subordinates to be stationed in other places is generally three years. Before these people go to other places, all the clothes they carry must be registered one by one at the general counter of Kang's Bank; When you come back after three years, you have to check them one by one. At the expiration of the three-year period, when you come back from the field, you can't go home directly, you must go back to the general cabinet first, and all the things you buy in the field, even if you use them at home, you must send them to the general cabinet first, and then you can give them to your home after the general cabinet has inspected the goods, "so as not to be suspicious." This is to prevent his subordinates from discussing "small abacus" with their families and harming the public and private interests. In addition, all bankers and employees at all levels are not allowed to write letters to the head office, and if it is official business, it must be written to the designated person by the designated writer. If it is a private matter, you can only write an open letter, not a closed letter. This is to prevent local princes and "senior officials of the DPRK" from forming gangs and doing things that make the upper authorities unhappy.

In addition to strict control, Jin merchants also have an incentive mechanism. Among the various trades operated by the Jin merchants, the hierarchy is very strict. More than seventy percent of them are minions, and these people only take care of food and do not give money during their apprenticeship; After the apprenticeship expires, the annual salary is a few taels or one or twenty taels. Wake up earlier than the chickens, work tiring than the cows, sleep later than the dogs, and earn only a fraction of a fraction. In addition to the small minions, there are about 30% of the "white-collar", "gold-collar", and some even "diamond collars". For example, there are thirty-six levels between the Kang family money village and the big shopkeeper who has the right to operate, and a smart and diligent young man, starting from an apprentice, climbs through these thirty-six steps step by step, even if he is promoted one level every year, when he climbs to the top, he is already an old man over half a hundred years old. At this time, he has a "top stock", which is equivalent to becoming a "partner" on Wall Street, which is not just to make money.

The top stock is the most praised initiative of Shanxi businessmen. There are two types of share capital in a bank, silver shares and body shares. Silver shares are the money taken out by the owner, and body shares are the human capital of employees. With stocks, not only can you pay dividends when you are alive, but you can also make money when you die. Under normal circumstances, employees of the bank who have shares can enjoy dividends for several years after death, and Kangjia money bank stipulates: three years for those with one to three percent of the shares; Four or five cents, four years, if it is a core "executive", you can enjoy seven years of "living" treatment after death. This incentive system still plays a very good role to a certain extent!

However, Mo Jing has always scoffed at this management and encouragement method of the Jin merchants. Man's greed is boundless. In her opinion, the incentive mechanism of the Jin merchants cannot eliminate internal corruption and become traitors. As for those management methods, Mo Jing prefers to call them "underworld management". That's right, "triad-style" management often produces immediate results and is immediate. The courage of the leader is fully reflected, and every call is answered, even if it is a sea of swords and fires, and a rain of bullets; The subordinates are also fully bathed in the wisdom and grace of the leader. However, "triads" are often effective, but not effective; There is speed, but often the direction is wrong. The later history of the Jin Shang dynasty shows that it was the "high efficiency", centralization, and unified leadership of this "underworld society" that made it possible to veto the correct proposals of countless subordinates with the words of the great treasurer. And among those who have become the big shopkeepers, just by their age, how many people can "keep pace with the times"?

However, Mo Jing now has only one theory. Although she knew that the Jin merchants' business methods had so many drawbacks, she was dealing with some shrewd people. The more shrewd people are, the more difficult it is to convince when they become stubborn, not to mention that these shrewd Jin merchants are known for their prudence, and she has an official identity. This created an illusion that Mo Jing was bitter and couldn't speak...... These Jin merchants thought that Mo Jing was trying to seize their property under the pretext of opening a bank. And the two books about the economy and capital operation that Mo Jing gave them are strong evidence of this illusion! Isn't clever management a great weapon for skillfully seizing property?

Therefore, in the face of this situation, Mo Jing could only leave Shanxi in a huff! Of course, when she was leaving, those Jin merchants had not forgotten to let her bring rich gifts...... No matter how they say it, Mo Jing is not something they can offend.

……

"Hehe, it's rare that Sister Jing will also hold back once, it seems that you should celebrate!" After listening to Mo Jing's account of the situation he encountered in Shanxi, Luo Xin couldn't help but laugh.

"Don't laugh! If you laugh again, I will snatch you to the northeast and let you husband and wife live apart for many years! Mo Jing threatened.

"Isn't that right? Didn't the news from outside say that Brother Yu was going to Sichuan? Don't you want to follow, Sister Jing? Luo Xinqi said.

"Of course you have to go! But it's going to take a while. It happened suddenly, and many things have not been arranged yet! Mo Jing shook his head helplessly. Yu Zhong's power in the Northeast is getting bigger and bigger, and his influence is getting stronger and stronger, and he is already similar to Sabusu. Therefore, they had long expected that one day Yu Zhong would be transferred out of Vladivostok, but Kangxi's actions were a little too fast, and she and Yu Zhong were not ready, so before she went to Sichuan, she had to go back to the Northeast and arrange all the affairs.

"You're gone, won't things in the Northeast be troublesome again?" Luo Xin asked.

"You can rest assured of this. Fei Lao is now learning the way of health preservation, and he has to do Tai Chi three times a day...... As for his old man, he has already set a goal for himself to live forever, that is, at least until Kangxi finishes playing! Mo Jing replied.

"And what about him......" Luo Xin asked again. Old man Fei has a lot of things to do now, and he is busy all day long, although Luo Xin is far away, he also knows a lot about it. Therefore, if Old Man Fei wants to live longer than Kangxi, then he will have to live to be over eighty years old, but that busy work may be difficult for him to persevere.

"Fei Lao has already taken his heart. His old man said that no matter how hard a person tries, it is useless. So, after a few more years, he won't care, and then concentrate on educating the next generation for you and Mader! Mo Jing looked at Luo Xin with a smile and said in a joking voice.

He didn't think about it. If you want to engage in education, you can come to Jiangnan by yourself. I won't give the child to him! Luo Xin gently wiped the tip of his nose and raised his eyebrows.

**********

"Here, have a drink. That's 30 years old! Yu Zhong raised his glass and said to Mader. This is the dungeon of the Wei Mansion, and it is the place where Kangxi imprisoned Ma De, Gao Shiqi and Ma Qi. However, because of the extraordinary status of the prisoners, and also because of Kangxi's orders, on the first day that the three of them came here, this perennial idle dungeon was cleaned up and was more upscale than the most upscale inn in the entire Jiangning City.

"Don't drink it!" Ma De lowered his head and picked up the vegetables vigorously, and a plate of green onion eggs quickly bottomed out.

"Gao Xiang, Ma Xiang, please!" Yu Zhong didn't care about Ma De, and then raised his glass to Gao Shiqi and Ma Qi.

"Please!" Gao Shiqi and Ma Qi glanced at Ma De with a wry smile, and also raised their glasses to Yu Zhong, and then, the three of them had a drink, and then, Yu Zhong and Gao Shiqi also joined the ranks of grabbing vegetables, as for Ma Qi, his face was too thin and his skills were too "slow", so he could only smile bitterly and occasionally put on two or three chopsticks on the side.

……

"Hmmm! It's still good to fry the eggs with green onions, not salty or light, just right to eat as a meal! ”

After eating and drinking, the four of them each put down their dishes and chopsticks, and Ma De hummed while picking his teeth with a toothpick.

"The imperial kitchen stir-fried, can it not be delicious? ......" Yu Zhong glanced at Ma De dissatisfiedly and said. This kid's mouth is too hateful, a dignified chef, what kind of dish is not delicious when fried? I have to let people scramble a green onion egg. As a result, there were no eggs in the Wei Mansion, and he still went to buy them on the street.

"I am against the division of the soldiers of the Manchurian Naval Division into other naval divisions! Especially the South China Sea Sailors! Mader said suddenly.

"Why? You kid want to tear down my platform? This is a century-old plan for the benefit of the country and the people! Yu Zhong glared. Hearing the conversation between the two of them, Gao Shiqi and Ma Qi glanced at each other, then shook their heads with a wry smile. Since the first day he was imprisoned, Yu Zhong has come every day, first chatting with Ma De about farewell matters, family situation, and then, it is this kind of national event, and he does not shy away from the two of them at all.

"I said Brother Yu, are you really unclear or pretending to be confused? Don't think that if you have a good ship, you can beat the world! Westerners are not Orientals. It has been hundreds of years since the beginning of the Age of Discovery, and they have a lot of experience at sea. If we extend our power to the South Seas so early, it will definitely stimulate those guys. Don't forget, those people are robbers. When the time comes, it may be a protracted sea battle. Victory, everything is easy to say; But what if you lose? That's a big problem! The Westerner's kung fu of kicking the nose and face is superb! Where do you think you can run to if you're in trouble? Mader said.

"You're too pessimistic, aren't you? With the strength of the Manchurian Naval Division, as long as Shi Shiqiu and them act quickly and occupy Temasek first, when the time comes, the entire Nanyang will not be our final say? Yu Zhong said unhappily.

"So I'm going to say you're too optimistic! Do you know about the fall of the Armada? How strong was Britain at that time? That is, small sampans and fishing boats, against the most powerful fleet in the whole of Europe, but the result? It's still a winner! So I say, be careful! Caution! Be cautious! Ma Deyang raised the toothpick in his hand and used it as a baton.

"Reasonable. The great plan of the country cannot be lost! Ma Qi said in harmony.

"To be overly cautious is to be cowardly. If you miss the opportunity, who will be able to sell you regret medicine when the time comes? Temasek is here to pay attention now, but that doesn't mean others can't find out. This is a step at night, and the price is great! Yu Zhong said.

"Brother Yu, do you think that our Qing Dynasty sent a sailor, so what do Annan and the other parliaments think? Do we just think that we want to control that strait? Besides, it's not that easy to control Malacca? Piracy was rife there, and it didn't take a few years to clean it up. If there is the secret support of Western countries behind this, the years will be even longer. This is a big excuse for the courtiers! Mader added.

"Pirates are rife, just train sailors!" Yu Zhong said.

"Only by hiding your strength can you be surprised!" Mader retorted.

"Hehe......" Gao Shiqi and Ma Qi laughed. Listening to the two brothers chatting was indeed a bit interesting.

"I can't hide it. Lao Tzu fought that battle in Japan, and with the strength of the Dutch in Japan, he must have known it for a long time. They know, and it's almost the same as the entire Nanyang Western devils know! So, what is needed now is the word 'fast'! Fast...... Clipper plus sail! Before they could react, they won Temasek in one fell swoop. Yu Zhong said.

"Clipper sails? Brother Yu, aren't you afraid of headwinds? Mader asked, pouting.

"So you kid is not sensible, the sails of the battleships of the Manchurian Naval Division can take advantage of the eight-sided wind!" Yu Zhong said proudly.

"Can you use the eight-sided wind very strongly? And what if there is a storm? What about typhoons? What about tornadoes? Mader continued to ask.

“…… Are you messing around again? Believe it or not, I'm going to beat you! Yu Zhong raised his fist and shouted.

"I don't want to do that! Besides, what's wrong with what I'm talking about? You are not familiar with the situation in Nanyang, so you want to send a large army over, how can it be so easy? Not to mention that the natives there are not good, even if you can control the locals, you can defeat the Westerners, but if you want to stay there, at least you have to have a detailed plan! Things come step by step, and it can't be done if you don't get busy. Mader said.

"Okay. Since you are against it, then I have to listen to your opinion! What do you do to take Nanyang? Yu Zhong put away his fists and said.

"My opinion is actually very simple, build more ships, send more troops, and go south by a few routes." Mader replied.

"That's it?" Yu Zhong was stunned.

"What do you want to do otherwise? Eggs, for the sake of insurance, of course, can't all be put in one basket! Mader replied.

"Hehe, the two of you talked really interestingly, I didn't think that national events could be compared to eggs!" Gao Shiqi suddenly laughed.

Gao Xiang said with a smile. It's just a metaphor, it's just to be easy to use! Mader laughed.

"Hehe, the two of them have their own truths, but they both seem to have forgotten one thing, right?" Gao Shiqi laughed again.

"What's the matter?" Yu Zhong asked.

"The treasury is empty, how can the imperial court have the money to send troops to the South Seas?" Gao Shiqi asked with a grin, like an old fox.

“……”