Cutting 1719

Chapter 20 Huitong Bank

After Ning Yu and Ning Zhongyuan made the decision to cast the cannon, they didn't delay any longer. After staying in Hanyang for the night, they went to Cui's mansion early in the morning to bid farewell to the newly recognized teacher.

Cui Wancai was a little surprised after hearing what Ning Yu said, and said, "Where did you read this book? Why haven't I read it?"

Ning Yu suddenly broke out in a cold sweat. When he was talking about it, he forgot about the genius next to him who claimed to have read all the useful books in the world. With Cui Wancai's strength, it's easy to remember everything Little trick.

Seeing Ning Yu's embarrassment, he hesitated and couldn't answer, and Cui Wancai didn't push too much, saying: "When doing things, sometimes you have to not only look at the road, but also look at the sky."

Ning Yu couldn't understand this sentence for a while, so he had to agree, and then hurried back to Xiaogan County with his family.It is really time-consuming, otherwise Ning Yu would really like to listen to the teacher's teaching more and benefit a lot.

After half a day of running around, Ning Yu rushed back to the Ning family's old house in Xiaogan County, and remembered to look for Ning Zhongjing, thinking of discussing with him about casting cannons.

But in the Ning family's old house, Ning Yu not only met Ning Zhongjing, but also met the two heads of the Zheng family's Cheng family.

The head of the Cheng family is an old man with a gray beard. He is called Cheng Yuanzhi. The big media that every family takes care of, the relationship between the two families is like a family.

The head of the Zheng family is Zheng Xian. He is in his early forties. He is Mrs. Zheng's elder brother and also Ning Yu's uncle.

At this time, the three of them gathered together, apparently for the matter of Ning's Bank and Mineral Salt.

After Ning Yu performed the big gift, Ning Zhongjing smiled and said: "Two Patriarchs, Yu'er is the one who discovered the Yunmeng Salt Mine, and is also the chief envoy of Ning's Bank this time."

Cheng Yuanzhi always loved this grandnephew, and he was happy, saying: "My good nephew is amazing. I still remember that Yu'er was born in the 44th year of Kangxi. The sun was shining on the day of birth, which is similar to that of the previous days. It is really beautiful. , I still remember that year."

This old man is old after all, and he keeps talking about the past, regardless of whether other people present are used to listening or not, he only cares about talking to himself.

Zheng Xian thought that if the old man was allowed to continue talking, there would be no way to talk about this serious matter, so he reminded him: "Old man, let's put this past matter aside for now, what kind of rules are this present matter? You can break it." .”

Cheng Yuanzhi stopped talking, stroked his gray beard, and said after a long time: "It must be a great thing to talk about Yu'er's mineral salt. Family, that is the kindness of the Ning family! As for the specific regulations, let you juniors plan it!"

What he said was beautiful, Ning Zhongjing and Ning Yu stood up at the same time to thank them.

Zheng Xian took over the conversation and said: "I understand what the third master Ning just said about the salt industry company, but the main thing in my heart is that I still don't quite understand. How does this bank manage? Boy Yu, tell uncle .”

Ning Yu was not polite, and said: "Uncle, uncle, this bank can be regarded as a stage, no matter what role is sung on it, it will be performed on our stage, and it will make money later. , that must be allocated to this shelf first." Considering the cultural level of these big landlords in the Qing Dynasty, Ning Yu intentionally put his words closer to the times.

"The salt industry company is this role, but one role is not enough to support a drama. After that, there will be more roles, such as my Ning family's mines, shops, and the Cheng family's land. The wharf, the Zheng family's silk store, restaurants, etc., we can all support it."

"How should I support it? For example, my salt industry company needs 10 taels in the early stage to plan and recruit manpower to purchase equipment. Later, it will cost another 10 taels to open up contacts and expand production. Then the 20 taels of silver in the early stage can be obtained through the bank. to gather wealth."

The few people present were all human beings, so it was not difficult to understand, and they listened very carefully.

Ning Yu took a sip of tea, and then said: "Then the bank invested 20 taels, but the salt mine itself is not only worth 20 taels of silver, for example, in the long run, if the salt mine is worth 100 million taels, then the 20 taels 20% of the shares, if you make 4 cars a year, for example, you can distribute [-] taels to the bank."

"The same goes for the bank. For example, in the early stage of the bank's operation or investment, a total share capital of 100 million taels is required. Then the 100 million taels will be divided among each company, and the shares will be distributed according to their respective capital contributions."

"For example, my Ning family will contribute 50 taels, and your two families will each contribute 25 taels. Then my Ning family will get [-]% and your two families will each get [-]%. If you make money later, you can divide it according to this model."

"If we want to accept new shareholders in the future, we will dilute the shares according to the proportion. In this way, the more prosperous the bank is, the more valuable the shares will be. Maybe 25% of the 250 taels of silver invested now will be in the future. It's worth [-] million taels."

After finishing speaking, Ning Yu's mouth was parched, but everyone in the hall listened with gusto.

Zheng Xian clapped his palms and praised, saying: "Yu'er, you are really a genius. This bank has such wonderful features. It is a pity that we usually only use the bank to make a living by lending money. There is only one thing, What if the business invested by Qianzhuang loses money?"

Ning Yu said solemnly: "It's normal for this business to have profits and losses. If it really loses, all shareholders of my bank will bear it together. It's just that before investing, it needs to be voted by the bank's board of directors."

"In this way, the board of directors of my bank will naturally review the investment business in every possible way for its own profit, and the chance of losing money will naturally be greatly reduced." Ning Zhongjing said aside.

Ning Yu said with a smile: "Third Uncle is really far-sighted. This investment business is currently only used for the land, shops, docks, and mines of our Ning, Cheng, and Zheng families. For example, if you want to expand the scale, you can use the power of the bank to realize a Fly to the sky."

Everyone nodded one after another, thinking in their hearts whether their own business needed a bank, and then thought that if they really used the power of the bank, their business would be able to expand a lot.If the family or the Qi family has spare money, they can also invest it for dividends, which is much better than hiding it in the ground.

Ning Yu said again: "I originally planned to use the name Ning's Bank, but now that I think about it, it is a bit inappropriate. Why don't you choose a name?"

Cheng Yuanzhi shook his head and shook his head for a while, before he said: "The source of wealth naturally needs to reach the world, why not call it Huitong Bank!" Everyone's eyes lit up, and they decided on this name.

(End of this chapter)