A thousand-year-old family that began with the Battle of Makino

Chapter 331 Heshun Reform, the Three Major Banks of the Bai Kingdom
On the eve of the reform, Bai's Firm had become Bai Guo Commercial Bank. Bai's Firm was downgraded to the largest organization under Bai Guo Commercial Bank, responsible for shops and business affairs in various places.

Before the reform, the firm had Bai as the big owner, Su, Yuan, Quan, Wang, and Bai as the five owners, and the rest were small owners without management authority.

The commercial bank's subordinates include Bai's Firm, Taihang Escort Bureau, General Accounting Office, Director's Office, Metropolitan Procuratorate, Commercial Law Office, and General Treasury.

Needless to say, Bai's business house is responsible for commercial affairs all over the world. It has branches in every county, capital of vassal states, and cities with more than 10,000 people, and has small shops in counties with more than 1,000 people.

From Shule City in the Western Region to the west, to Lelang County in Liaodong in the east, to Longcheng in Beimo in the north, and to Rinan County in Jiaozhou in the south, as long as it was within the influence of the Han Dynasty, there were shops bearing the Bai family name.

The shops belonging to Bai's business house cover an area of ​​several acres and are three floors high, with hundreds of clerks in charge; the smaller ones only have one room and one person in charge.

Due to its large scale, you can buy almost everything on the market in Bai's store, as long as you have the need and the price or money you pay is enough.

You can make a reservation at any store belonging to Bai's store, and the store manager will report what you need. As long as you can wait for a while, he can collect and ship it for you nationwide.

The Bai's company's white flag with a cloud pattern has become the most powerful flag in the world. Even in a county where there is only one steward, nothing is sold, and only a flag is hung at the door, no one dares to bully him at will.

There are even county towns where the local tycoons dare not mess with the shops of Bai's Company. They want to expand their courtyards and use various means to acquire all the surrounding houses. However, only Bai's Company is left with a single-family house and one room squeezed in the middle. , it appeared that mansions were built around shops.

What is also unknown is that Bai's firm also has a secret mission, which is to act as an outside line for Bai's secret guards and collect local intelligence. This is also the reason why Bai's son does not go abroad or leave his mansion, but he knows the world's affairs.

Taihang Escort Bureau, as the name suggests, exists to escort the goods needed by Bai's business. Some counties and counties have many thieves and uneven roads, which requires the existence of escorts.

As the largest bodyguard bureau in the world, the Taihang Escort Bureau has got through all thieves, bandits, and horse bandits on the trade routes. In some places, you only need to put the Taihang Escort Bureau's black background and white mountain flag on trucks or cargo ships to pass without risk.

It is often said that if you buy a dart from Taihang, you can turn the natural chasm into a clear path.

Even in the realm of Mount Tai, where bandits are numerous, and in the realm of Chu, where water thieves appear every year, no one dares to rob the bodyguards of the Taihang Escort Agency.

Because if you are sensible, the escort agency will give you an escort fee for each escort trip based on your strength, but if you do not follow the rules and do not accept the goodwill of the Taihang Escort Agency.

There is no need for the General Escort Bureau located in Chaoge of the Bai Kingdom to take action. The branch offices in various counties and cities can contact the local wealthy families and the government to jointly eliminate them. What's more secret is that the escort agency also has spies from the Bai family's secret guards.

The reason why business houses and escort agencies are so popular all over the world is that the Bai family knows how to make profits. The Bai family will not monopolize it, but will cooperate with local powerful people and wealthy families, and share the profits in proportion.

Moreover, the Bai family is also very law-abiding and will truthfully pay the reasonable business taxes stipulated by the court. In this way, the local wealthy families and the government will make profits. However, the risk of confronting the Bai family is too great. It is a win-win cooperation in peacetime. excellent.

Isn't it very reasonable that all powerful forces, the government, and bandits were "convinced" by the escort agency that the goods would arrive safely and the mission would be accomplished?

It is precisely because of the existence of the Bai family business and the Taihang Escort Bureau that the Bai family can be ranked first among the clans, the first aristocratic families, and the first big families in the world. Only other wealthy families are willing to listen to the Bai family's orders.

As for those who are unwilling to cooperate, Bai will not force them. As long as they compete within a reasonable range, Bai will welcome them. But if you are playing dirty tricks, you will rely on yourself as the local leader to bully the weak and use force to suppress them.

Then Bai will show you what power is, and what is called a dragon crossing the river, which will only crush local snakes to death.

Generally speaking, Bai Guo Commercial Bank will only dispatch its principal and some capable clerks to the local area. Most of the clerks are recruited local people. This is also the reason why the stall can be spread so large. Bai is generous enough and has a sufficient layout. big.

The tax collected by the imperial court from Bai's business and Taihang Escort Bureau every year was at least equal to the tax of a state. Of course, it was not a wealthy state like Jizhou, Qingzhou, and Yuzhou, but an ordinary state like Jingzhou, Yangzhou, and Xuzhou.

If what is said is a little bigger, it is precisely because of the existence of Bai's business house and Taihang Escort Bureau that the Han Dynasty's business will be so prosperous and the Han Dynasty's national power will recover so quickly.

In just a hundred years, following the path of the previous Han Dynasty for more than two hundred years, the population of the Han Dynasty has grown from more than 10 million to nearly 60 million, and the annual financial revenue has even been calculated in hundreds of millions. It can be said that the development of the Han Dynasty has not been equal to that of the Bai family or the Bai Kingdom. accounted for one-fifth of the credit.

The Bai family is truly as rich as any country, or even richer than the Han Dynasty.

But even so, the Han Dynasty court did not dare to take any action. After all, the Bai Kingdom was the only vassal state with a different surname, the one Yu Guo Tongxiu personally ordered by Emperor Guangwu. Moreover, Bai Guo is also the largest shareholder of Dahan Establishment.

It can be said that Bai Guo can even easily influence the rise and fall of an emperor and the change of throne, but Bai Guo is unwilling to use this power. After all, Bai Guo's sword is a gentleman's sword, which is used for protection and for the future. Etiquette must be followed. These are the two most profitable companies under Baiguo Commercial Bank, and they can also be said to be two of the most profitable institutions in the world.

In addition, the general ledger is responsible for all transaction-related account books under the Baiguo Commercial Bank. Whether it is a firm or an escort agency, the accountants in charge of financial power are all issued by the general ledger.

Every three years, the general ledger will hold an auditing ceremony. For a whole month, the sound of the abacus can be heard from the Qinglian Courtyard, which was built by a commercial bank and covers an area of ​​nearly three acres in the south of Chaoge City.

There were hundreds or even thousands of accounting clerks participating. They started working under the supervision of the Metropolitan Procuratorate. The calculation method they used was the abacus invented by Xu Yue, a master of numerology in Baiyuan. His book "Numerology" Ji Yi records a total of fourteen algorithms.

Among them, the abacus was excavated by someone who was interested and customized it on a special wooden board. The "Shu Shu Ji Yi" said:

"The stereotype is divided into three parts, the upper and lower parts are used to stop the beads, and the middle part is used to determine the position. There are five beads in each position, and the upper bead and the lower four beads are of different colors. The upper bead of different colors is counted as five, and the lower four bead. Each pearl is one. It is led by the four lower pearls. Therefore, it is said that the cloud carries the four seasons. The pearls travel in three directions, so it is said that it is the three talents of longitude and latitude."

This method can be used to easily perform a large number of arithmetic operations, and Bai Guo's ability to find so many accountants is also due to Bai Guo's hundreds of years of raising scholars, accurate to the primary school in the pavilion.

More than ten years ago, someone isolated Master Xu Yue's abacus and then re-created an accounting method based on this algorithm. People at the time called it the "new accounting method."

As soon as the new accounting method came out, it quickly became popular. It was used not only in the Bai Kingdom, but also in the whole world, including the imperial court.

The director's room is mainly responsible for daily management, coordination between various agencies, and smoothing communication between them, so that resources can be more concentrated.

Needless to say, the Metropolitan Procuratorate is responsible for supervising the work of various agencies and managers. Corruption and abuse of power for personal gain are prohibited in the business. After all, this is everyone's business, not yours alone.

After being verified by the Metropolitan Procuratorate, he would be dismissed from his post and fined, or handed over to the local government for handling. By the time he was released, he would have lost half his life.

The commercial law office is the legal representative of the commercial bank, responsible for legal interpretation and disputes between the commercial bank and the local government, and preventing the government from deliberately setting up names and overcharging commercial taxes. Generally, there is only one commercial law principal in a branch with more than 10,000 people.

The general warehouse is responsible for managing the storage of goods, money, and even food. Because the business was so large, the general warehouse had a lot of manpower, and it was responsible for establishing secret warehouses or mobile warehouses all over the world to store the goods and money belonging to the business.

These were the responsibilities of the Baiguo Commercial Bank before the reform, but due to its large size and too many things it was responsible for, many powerful Baiguo companies later joined in, causing a certain amount of chaos.

So Bai Xu, on the advice of the Advisory Council, split the Baiguo Commercial Bank into Baiguo Commercial Bank, Baiguo Bank, and Baiguo Grain Bank, collectively known as the three major banks of the Baiguo Bank.

Bai Xu separated part of the general ledger room and part of the general treasury of the business firm to form a bank, and like the firm and the bodyguard bureau, he established branch banks and money shops in various places.

Responsible for the storage of all copper coins and valuables, low-interest loans, and store investments, and can be exchanged at any bank in the world with the special certificate of Baiguo Bank.

Baiguo Bank consists of: general ledger room, general treasury, director's room, general guard, general analyst, etc.

The Baiguo Grain Bank was also split from the commercial bank and was only responsible for the sale and storage of grain. This is because of the unique importance of food.

It can be said that food is as important as gold and is equivalent to White Country's strategic reserves.

Once the Baiguo Grain Company was established, it became the largest grain merchant in the world.

Below the Baiguo Grain Store are: General Accounting Room, General Grain Storehouse, Director's Room, and General Guard. Because of its uniqueness and transaction attributes, it has the fewest personnel among the three major industries. But his importance is self-evident.

In order to cooperate with the three major banks and prevent unknown harm in the future, Bai Xu also built many secret grain depots, money depots, and warehouses in the Taihang Mountains. Each one is as big as a county's county treasury. As the Bai family's heritage.

As one of the three major banks in the Bai Kingdom, all commercial activities are subject to commercial tax. Therefore, in the Bai Kingdom, the Bai family's money and the Bai Kingdom's money are separated.

The money of the Bai family is managed by the Baifu. The responsible department is called the inner government, and the department responsible for storing the money is called the inner treasury. The money of the Bai Kingdom is managed by the Situ Mansion, and the responsible department is Sicai. The person responsible for storing money is called the treasury.

Although the treasury of the Bai Kingdom is not as wealthy as the treasury of the Han Dynasty, the Bai family's inner treasury is definitely richer than the Shaofu of the Han royal family.

(End of this chapter)