Investment banking was first seen in the development white paper written by Chen Chao.

At that time, Chu Yunmei didn't care too much, and Chen Chao only mentioned it twice, so there was no follow-up.

But now that I think about it, it's just right to solve the problem of Qingyuan County!

Prepare for the establishment of investment banks to lend money to private businessmen at low or no interest rates to encourage commercial development and expand the scale of the industry.

Since other money banks are greedy for small profits in front of them, it is better for her Chu Yunmei to take the lead and set up an investment bank.

Investment bank?

Han Xiangyang heard this novel word for the first time.

A bewildered face.

It was only after Chu Yunmei's introduction that Han Xiangyang understood what this investment bank did.

To put it simply, it is a money bank with a government background, as long as the borrower's conditions are qualified, it can take out ultra-low interest or interest-free loans.

"But Your Highness, in the final analysis, this is still an investment behavior, and the amount is huge, I am afraid that some people in the imperial court will not agree to use the money from the treasury as the original capital, Qingyuan County emphasizes commerce and despises agriculture, which has caused dissatisfaction among many officials, if the money in the treasury is used again, the resistance is not small." Han Xiangyang voiced his concerns.

Chu Yunmei thought for a while, pursed her lips and said, "Without the money from the treasury, Han County Ling has been an official for so many years, he should always have a little savings, right?" ”

Looking at Chu Yunmei's ill-intentioned eyes, Han Xiangyang was startled, his body grinned to the side, and cried:

"Your Royal Highness, the official is an official the size of a sesame mung bean, although he has been an official for many years, he has a clean sleeve, and he really doesn't have much savings."

"You don't have it, but there are a lot of rich people, those people in Qingyuan County are so rich that they are not bad for money, and those big officials in the capital, which one is poor? Rather than letting them squander their money and enjoy it in the gold cave, it is better to persuade them to put the money in their hands with us and put it in the investment bank as the original capital, so that they will not have to use the money in the treasury. ”

Han Xiangyang thought for a moment and frowned: "What if they don't want to?" ”

"Then find a way to make them willing, what I want to tell you is that after making a profit, everyone is not stupid, they will be willing to hand over the money to us, we can promise in advance to give them dividends at the end of each year."

……

……

On this day, Chu Yunmei and Han Xiangyang pondered the feasibility of investing in the bank at Nanshan Manor and formulated a set of strict plans.

Under Chu Yunmei's coercion and temptation, Han Xiangyang tearfully took out his savings over the years, totaling two hundred taels, and invested in the investment bank.

Han Xiangyang was an honest official, so he took out two hundred taels at once, and he didn't know how to explain to his wife when he went home.

"Your Highness, this is the savings of most of the lower officials' lives, all of which are put in the bank, if you lose Your Highness, you know the ...... of the lower officials"

"Okay, okay, let's go, you won't lose, don't worry......"

Chu Yunmei waved his hand and sent Han Xiangyang away.

In the following days, the investment bank raised the original funds on the agenda, and Chu Yunmei personally came to lobby him, going to the Hou Ye's Mansion in the morning and the Gongye's Mansion at noon.

At the beginning, everyone listened to this "investment bank" in a fog, and they didn't know what it was for, and Chu Yunmei didn't bother to explain, just said to give her the money Chu Yunmei, and they would be at home at the end of the year, just waiting to count the money.

Qin Mansion.

in the back garden.

Qin Xiangru was discussing with his wife Hu whether to hand over the family's spare money to Chu Yunmei and invest in that investment bank.

The Hu family directly took out 200,000 taels of shares.

Some of this money is Qin Xiangru's income, and some of it is Qin Xiangru's gray income.

Qin Xiangru watched his subordinates carry out a few large boxes from the warehouse, and burst into tears in distress, "Madam, madam, there is something to discuss, there is no need, there is really no need...... Let's invest less, invest 1,800 taels to test the water, the investment is not as good as you, if you lose 200,000 taels, we all have to drink the northwest wind. ”

Hu ignored the fat man, crossed his waist and waved his hand, "Carry it away and send it to the Eldest Princess's Mansion." Then he began to teach Qin Xiangru again, "What are you afraid of?" My mother gave birth to three sons for you, how could you trade at a loss? ”

"Who is Chu Yunmei? That's a heroine among women, she was famous in business before she became an official, and I don't have to worry about putting the money in her hands. ”

Qin Xiangru looked at Hu Shi with a desperate expression.

It's over.

This woman must have been deceived.

Palace.

"Teacher, don't you want to cast points?" The empress looked at Fang Xiu.

Fang Xiu waved his hand, proudly reaching out and stroking his long beard, "...... There is no money in the courtier's family. ”

Empress Nunu mouthed, "Teacher, this is not an excuse. I've heard that a tael of silver can also be shared. ”

Fang Xiu's old face flushed, and he looked at the empress, "How much did Your Majesty vote?" ”

The empress stretched out one hand, five fingers.

"Hmm." Fang Xiu nodded with satisfaction and looked at the empress, "In the past two years, Your Majesty has grown a lot, you must know that you need to be cautious in investment...... Your Majesty is still young, just throw a few taels of silver to play, and don't take it seriously. ”

The empress was stunned for a moment, and her five fingers shook vigorously in front of Fang Xiu, eager to stand on the dragon chair.

Fang Xiu frowned, realizing that something was wrong with the situation: "What does Your Majesty mean?" Didn't Your Majesty invest five taels of silver? ”

The Empress shook her head. Who to look down on?

She is the emperor, and she has her own emperor's private treasury, and she can receive nearly seventy or eighty thousand taels of silver every month.

"Fifty taels?"

The Empress shook her head.

"Five hundred taels?" Fang Xiu's voice increased suddenly, five hundred taels was already a lot for Fang Xiu.

The empress still shook her head.

"Five thousand taels?"

The voice was already frightened.

The empress still shook her head and said to herself: "I voted 500,000 taels!" ”

Hearing this, Fang Xiu almost fainted.

Get.

Over the years, this empress has been regarded as a white sect, why is she spending so much money.

Looking at the 500,000 taels of genuine silver sent from the palace, Chu Yunmei couldn't close her mouth with a smile, she had long heard that the empress was a fan of money, and if there was an opportunity to make money, the empress would definitely not miss it.

Chu Yunmei deliberately released the news that the empress was 500,000 taels of silver and invested in an investment bank!

Backed by the credit of the empress, it is quite endorsed by the imperial court, which can attract more large investors to come and invest.

As soon as the news was released, sure enough, all the big families in the capital sent people over to send money, and Chu Yunmei wrote them down one by one...... But she always feels that something is missing, and she understands the general framework of the investment bank, but she has to explore how to do it step by step, which can be regarded as crossing the river by feeling the stones.

At this time, it would be nice if Chen Chao was here.

But what about others?