Carrying AK into Ming Dynasty

Chapter 647
"Okay, I know why you are here. Now that everyone is here, let's talk about the dividend." Liu Hongjian said calmly.

Zhang Weixian and the others originally thought that Liu Hongjian would be surprised by the amount of profit, but Liu Hongjian was still so calm at all, as if money was really something outside of him.

It's just that as soon as Liu Hongjian said the word "dividend", the atmosphere in the room changed immediately, and Zhang Weixian didn't bother to think about why Liu Hongjian had a sour face.

Who doesn't like money?Why are the few of them busy working around?
"According to the document we signed, in the second half of the year, half of the five million royals will be allocated. Brother Zhang, Brother Mu, and Brother Liu will be divided into 500 taels, and the Gu family and the Jiang family will be divided into 25 taels each. Do you have any objections?"

Liu Hongjian roughly flipped through the account book, but he didn't actually read it carefully.

These accounts have to be collected from various places every other month, handed over to Liu Hongjian's residence for verification by Yang Xue and Sun Xiuxiu's two daughters, and then sent to the old Zhu's family in the palace for a copy.

Although Liu Hongjian trusted these partners, and Lao Zhu and Xiao Zhu trusted Liu Hongjian even more, but there were no rules, and the process that should be followed still had to be followed.

"Go back to the prince, we have no objection." Several people hurriedly cupped their hands.

The profits from the first half of the year had already been distributed last year, and only the second half of the year could bring in so much money. They have no reason to be unhappy, and they are all gearing up to make progress this year.

Among them, the Gu family and the Jiang family were the most fortunate and flattered. The two of them had no official titles, and it was all due to their early investment in shares, and the fact that Liu Hongjian valued Fang to share the five shares.

"My lord has objections." Liu Hongjian put down the ledger and took a sip of tea.

Zhang Weixian and Mu Tianbo looked at each other, and asked each other if the accounts were calculated incorrectly, making the prince unhappy?
No, before submitting these accounts, several people have counted them countless times. Why does the prince still have objections?

"You guys, don't think too much. What this king means is that it's better to invest our money." Liu Hongjian put down his tea and said solemnly.

"Investment? What kind of investment?" Mu Tianbo questioned.

Among the few people present, apart from Gu Datong, Liu Kongzhao was the oldest, but Gu Datong felt that his status was low and dared not say much, and Liu Kongzhao didn't care much about these things.

He lived a more free and easy life than Liu Hongjian, with more money and less money, as long as he had enough to spend.

"Silver... Bank!" Liu Hongjian had already blurted out the word bank, but suddenly realized that the name of the bank is not called this year.

"What else am I, Qianzhuang, our Xishan Merchant Co., Ltd. owns it!
The Wansheng bank that Brother Zhang used to run at home is the property of our Xishan Shanghe. " Mu Tianbo said casually.

Most of the banks in Daming at this time were privately run, and those who were able to run the banks were either wealthy merchants or nobles with great fortunes.

Banks are also called exchange shops, silver houses or money shops. At the beginning, the main business was only exchange, and the silver taels were too heavy to carry. come.

The meeting ticket is a silver ticket. With this certificate, you can exchange the money at any branch in the bank at any time, and the meeting ticket is not registered, which is more convenient for large-value transactions.

No matter who it is, even a beggar, as long as the bill in his hand is correct, the bank will hand over the silver to the beggar, without asking where he got the bill.

It's just that the bank also needs to make a profit, and it is impossible to help the rich do the exchange business for free, so a certain fee will be charged when exchanging meeting tickets.

This is completely different from the later generations, who deposit money in the bank no matter whether it is current or dead, and they will get interest, but at this time, the person who wants to save the money pays for it himself.

Later, in addition to the exchange business, banks in various places also developed a loan business. This loan is actually a housing loan, which is similar to the later generations.

But then again, the wealthy businessman didn't have a court official to back him up, so the annual filial money was not paid in vain.

Yingyinggong, Qianguogong, and Chengyibo were all favored by Liu Hongjian because of their willingness to distribute family wealth when Chongzhen raised donations. The three also invested in Xishan Shanghe with their family property, so Wansheng Bank is now under Xishan Shanghe. industry.

"This king knows it, but how many branches does Wansheng Bank have now? What is the market share? What are the advantages compared with other banks?" Liu Hongjian asked three questions in a row.

"Um... back to the lord, Wansheng Bank has six branches in total, in Beijing, Baoding, Kaifeng, Nanjing, Yangzhou, and Suzhou, but what is the rate of this market..."

Zhang Weixian was immediately stunned by the question. Previously, Zhang's family was mainly engaged in the grain business, and the money bank had been running in a calm manner. As for what advantages did it have compared with other banks?
Daming's banks are all similar, so what advantage can they have...

As for the market share, I'm sorry, I don't understand what you're talking about?
"How can six branches be enough? This king wants to open a bank branch in every mansion of Daming, what do you think?" Liu Hongjian said.

He didn't bother to explain what market share was. He had long wanted to open a bank, a bank!Later generations only went to the bank to withdraw money, and he remembered that the number in his account had never turned into five figures.

Now the opportunity is in front of us. Since the private bank is legal, why not set up a responsible bank president?

And if you want to do it, you can do it big, and if you want to do it, you need to be the bank with the best service, the safest, and the highest market share in Ming Dynasty, and open your own bank, so that no other bank can open it.

And the most important point is that he didn't open the bank to earn some business fees or interest. After the Zheng family was doomed, the entire southeast coast added customs to collect taxes. In fact, the imperial court had acquiesced to the ban on opening the sea.

Opening the ban on ocean trade will definitely drive the merchants of Ming Dynasty crazy, and the group of colonists in Europa will not give up the good opportunity to do business with Daming. You must know that Daming has almost banned the sea for 300 of the 200 years.

Otherwise, there wouldn't be so many so-called Japanese pirates, who could never be suppressed and reborn when the spring breeze blows, all because of their own interests.

In the past few decades in the late Ming Dynasty, the Zheng family was making troubles again, and this guy was very dark, but he did not squeeze money from these colonists.

Once the banks of Xishan Shanghe opened up in all the prefectures of Ming Dynasty and became the leading bank in Ming Dynasty, no matter whether it was a businessman from Daming or from Europa, they would all become customers of Xishan Shanghe.

What's more, why can't you open a Daming bank overseas?

Anyway, whether it is Europe or Southeast Asia, gold and silver are used as currency. As long as there is a strong army and navy of Ming Dynasty as a guarantee, Liu Hongjian believes that it will be possible.

then……

Hehe, when people all over the world recognize this bank, then this bank is not just a bank, it is a world bank, or the World Bank!

Finance and economy have never been small words, they are in later generations, and they are now.

Used well, finance is a sharp sword, a sharp sword capable of destroying a country!

……

　Thanks for the 100 taels rewarded by the book friend, the cruel bear baby.

　　
　
(End of this chapter)