Republic of China 1927

() Although there was a little disturbance, Du Yan still carried out his trip to Qingzhou according to the original itinerary.After checking the operating conditions of several shops in the city, Du Yan came to the most important stop of the trip, Zhongxin Bank.The bank is also the most important property of the Du family in Qingzhou. If the Du family is compared to a small consortium, Zhongxin Bank is the financial settlement and exchange center of this consortium. In this bank account, most of the daily capital account transactions of the stores and factories to which it belongs are completed in Zhongxin bank account.

However, if you think that Zhongxin Bank is just the private bank of the Du family, you are very wrong. It was true when the Du family just sold this bank in the early years of the Republic of China. However, after more than ten years of hard work, Zhongxin has long been It's not the former Zhongxin.Now it is the number one big bank in Qingzhou, well-known throughout Shandong and even North China, not only in almost every local county, but also in Jinan, Qingdao, Yantai, Linyi and even Tianjin. The business has also expanded from the original pure money exchange and internal settlement to absorbing deposits and loans, bill settlement and other modern banking services, and also issued bank notes and small-amount silver notes, etc. The equity structure has also changed from the original sole proprietorship of the Du family to Of course, the Du family has always controlled more than half of the partnership-type bank in which many merchants in Qingzhou participated, so it is not an exaggeration to say that it is a Du's bank.

In view of the important position of the bank account in the Du family's property, as the new head of the Du family, Du Yan originally planned to come here a few years ago, but he had to postpone it for the time being because of the errands of the militia. A little bit more important.After the year when the security team in his hands was on the right track, he immediately withdrew to the headquarters of Zhongxin Bank in Qingzhou.

The headquarters of Zhongxin Bank is located in the center of the old city of Qingzhou. The former Qingzhou government office is now diagonally opposite to the Yidu township emissary. , Settlement customers, inside is a courtyard surrounded by high walls.

Since the head office had been notified in advance, Qian Zhixin, the manager of the head office, was waiting outside the door early, and rushed into the courtyard as soon as he saw Du Yan and Lai Fu.

"I've been looking forward to the Eldest Young Master's arrival for a long time, and finally I'm here." Qian Zhixin let Du Yan to the main seat and said excitedly: "Master, he is in good health!"

"It's pretty good, Mr. Qian, don't call me old and young, it makes me feel uncomfortable at all." Du Yan said politely, "Just call me Guanghua."

"Okay, then I will rely on the old to sell the old one, Guanghua." Qian Zhixin said with satisfaction. He was afraid that this young boss would not be easy to serve, but he did not expect to be so sensible.Qian Zhixin is over [-] years old this year, and he is an old banker who has worked in many banks and pawnshops.More than ten years ago, when Zhongxin Bank was at its worst, the shopkeeper in the store was very good, and he was the only one who never left his old club.Because of this loyalty, Mr. Du kept the hard work when he sold the Zhongxin Bank and entrusted him with a heavy responsibility.He did not live up to his high hopes to make this bank that was on the verge of bankruptcy flourish, and its share capital and profits increased year by year.

"As soon as Qiao Dong's cousin comes back, we will be a family, what are we talking about?" Du Yan said with a smile: "At that time, I will have to call you old uncle with Qiao Dong."

"Haha, yes, my family, look at my memory." Speaking of his future son-in-law, Qian Zhixin immediately burst into a smile, stroked his gray beard and murmured, "Qiao Dong should be graduating too." !"

"I've graduated, and now I'm working as an adjutant at the Fengjun headquarters. When the fighting subsides, I should come back to visit my relatives." Du Yan took a sip of tea and said, "How is the bank's business this year?"

"All the bank's current accounts and last year's business statistics have been prepared. When will Guanghua look at it?" Referring to the business, Qian Zhixin said seriously. Just be ready.

"That's enough. Didn't the accounts be transferred at the end of last year?" Du Yan waved his hand and said, although Qian Zhixin has been at the helm of the bank for many years, he has not been able to cover the bank with one hand, not to mention the annual fixed inventory of the Du family's general account , There is also a general account room inside the bank to restrict it.

"Why don't you take an inventory of the bank?" Qian Zhixin suggested again. The bank's warehouse is under the yard, and there are several teams of people who take turns guarding it day and night.

"It's okay, Uncle Qian, you can tell me to be particular about it." Du Yan shook his head and said, "I won't be able to stay in Qingzhou for a few days this time. Just listen."

"Then I will briefly introduce the situation of the bank to you, Guanghua." Qian Zhixin said in a good mood: "By the end of last year, the total share capital of the bank was 91, and the deposit was 340 million. There are [-] semicolons in total. A..." Generally speaking, the scale and performance of Zhongxin Bank today are about equal to the medium-sized banks in Qingdao and Jinan.

"So, this year's performance so far is better than last year?" Du Yan asked in confusion. It stands to reason that this year's situation is much more tense than last year's, and the market is even more sluggish. As usual, the performance should decline. right.

"This year's situation is indeed much more tense than last year. It's just that the situation is a disaster for small banks, but it's a good opportunity for big banks with good reputation and strength. After this year, Zhongxin's deposit Looking at the increase, it is estimated that it has already exceeded 700 million." Qian Zhixin saw Du Yan's doubts and patiently explained: "However, this year's taxes and apportionments have increased a lot, especially the banknotes issued by the Provincial Bank, military notes, and public bonds. All will be apportioned to various banks."

"Isn't this troublesome?" Thinking of what he saw and heard in the restaurant yesterday, Du Yan couldn't help asking nervously: "It seems that many shops in the city have already refused to accept banknotes issued by the provincial government. Isn't this banknote a waste? Paper." Daguan Town is relatively remote and intersecting, so the streets are much less affected by the changes of the current situation.

"Many shops are afraid to accept banknotes, but it's not as serious as I imagined." Qian Zhixin said lightly: "The big and small banks in the city are exchanging silver dollars normally, but the discount has dropped from [-]% to [-]% off a year ago. Today's [-]% off."

"How many banknotes, military bills, and government bonds issued by the provincial government does the bank have in stock?" Du Yan asked after a moment of thought.

"There are 30 to 20 banknotes, relatively few military bills, and about [-] public debts." Qian Zhixin gave a more accurate figure after a little calculation, and the two wanted to buy another batch seeing the lower price.

"Think of a way to throw it out as soon as possible, the sooner the better, don't keep a single one." Du Yan suddenly ordered unquestionably, now the Northern Expedition Army just took down the banknotes of Jiangnan Shandong Bank, and it fell like this, and it went straight to Xuzhou in two months Wouldn't it be waste paper to approach Lunan, but it turned out that Zhang Zongchang's rule in Shandong was still more than a year old.

"Guanghua, why is this?" This time it was Qian Zhixin's turn to be puzzled. The young master changed everything he said, and actually directly intervened in the operation of the bank. Besides, the ups and downs in the market are normal. The army attacked Lu and hit Tai'an, and the banknotes sold by the Bank of Shandong in the market were reduced by [-]%, and the military banknotes were almost like waste paper.But as soon as Wu Peifu returned to the Henan army and failed to attack Lu, the Lu votes that had fallen all the way up all the way, and when Zhang Zongchang occupied Beijing City and controlled Zhili, it even rose to a high level of [-]%. Make a fortune.

"The Northern Expeditionary Army will go north sooner or later. Zhang Zongchang's Zhilu Allied Forces will definitely not be able to withstand it. If you don't throw it away now, maybe no one will want to throw it away." Du Yan said directly: "After selling it, try to hoard the foreign currency as much as possible."

"What Zhang Zongchang lost was only Sun Lianshuai's territory. Is it possible to keep Shandong, not to mention Zhang Hushuai who has millions of soldiers behind him?" Those who are in the business of blending must have an extremely sharp vision and understand the current situation. With a strong grasp, Qian Zhixin, who has been at the helm for many years, obviously understands this.

"At this time last year, the revolutionary army was still trapped in Guangdong and Guangxi, with no more than 40 troops." Du Yan analyzed one by one: "But since the Northern Expedition, they first went to the two lakes, then took Fujian and Jiangxi, and then took Jiangnan. In the whole of South China, all the wealth in the world has been lost, and Marshal Wu, who is known as an army of [-], has already defeated Henan, and Sun Chuanfang, who is in command of the five provinces, has only half of the province left. With such an momentum, it is a rotten straight What the Lu coalition army can resist!"

"Listen to Guanghua's words, Shandong is really in danger!" Qian Zhixin thought about it and felt that Du Yan's words made sense.

"Uncle Qian, in addition to the money you got from sex, you also need to raise as much cash as possible. I'll be of great use!" Seeing that Qian Zhixin had been almost convinced, Du Yan began to arrange the second step of the plan.

"How much money does Guanghua need? If you're in a hurry, it's not a big problem to squeeze out 20 million in the bank." Qian Zhixin persuaded: "However, it's better not to invest in the industry in the near future."

"It's not investing in industries, but banknotes and public bonds used to invest in Shandong Bank!" Du Yan also went around in circles and told Qian Zhixin about his sudden thoughts just now.

"Didn't you say that Zhang Zongchang couldn't stand up to the revolutionary army? Why do you need to invest?" This time Qian Zhixin was completely confused, and this new owner was really unexpected.

"A hundred-foot worm is dead but not stiff. How can the Zhilu coalition army plus Sun Lianshuai have at least 30 horses behind and the Feng army with sufficient soldiers and food to be easily defeated?" Du Yan said calmly: "Revolutionary It is impossible for the army to completely defeat them without going through a tug-of-war."

"What's the timing?" After talking about it like this, Qian Zhixin, an old banker, immediately understood that the public bonds and banknotes must fluctuate greatly after repeated seesaws, and every entry and exit is profit!

"Xuzhou, let's start eating after the Zhi-Shandong Allied Forces lose Xuzhou." Du Yan said confidently: "The Zhi-Shandong Allied Forces regained Xuzhou and we started shipping out."

"Xuzhou?" Qian Zhixin stared wide-eyed and hesitated to respond. The risk was too great. If the revolutionary army got Xuzhou, Shandong would lose its barrier. May go to Jiangnan again.

"Now that the morale of the revolutionary army is high, and the Zhilu coalition army is newly defeated, Huaibei and northern Jiangsu will definitely not be able to defend it." Du Yan could only explain again: "But once the revolutionary army captures Xuzhou, its front line will be very difficult. However, the Zhishan-Shandong Allied Forces are just the opposite, and can instead concentrate their superior forces to counterattack."

"The most important thing is that there are great conflicts within the revolutionary army that may erupt at any time!" Finally, Du Yan had no choice but to throw a blockbuster.

"It's too risky, I'm really not sure." Qian Zhixin didn't ask Du Yan's source, but said hesitantly, "Do you want to wait and see for a while?"

"Now I'm the head of the Du family. If I'm not [-]% or [-]% sure, I won't take this risk." Du Yan ordered indifferently: "Uncle Qian, just do your job, and I'll be the one to blame if anything happens."

"Okay!" Qian Zhixin had no choice but to agree in the end. Anyway, besides selling the banknotes and bonds in hand immediately, other means are still in the future.