late Qing Dynasty arrest

During the small chat, Huang Yousheng talked about the rules of starting a ticket number, which also gave the newcomers Li Jingyi and Zaiying a preliminary understanding of the banking industry.

For the banking industry, the first thing is to recruit candidates, that is, to recruit apprentices. Generally, people from the same hometown are the best. Please come to the bank to recruit people from Hefei, Anhui. The important positions are all from Hefei, and some Huang Yousheng poached from his hometown of Hangzhou. Zhejiang people.Needless to say, anti-theft facilities, Li Guolou was born as a policeman, please come in. The decoration and layout of the bank have borrowed the characteristics of foreign banks, which is more humane than the old banks.For example, the height between the customer and the cashier is no longer a head higher than the customer's floor, giving a feeling of being superior, but talking to the customer from an equal perspective and doing bank transactions.The hall transactions are also bright and spacious, and it feels like doing business aboveboard.

At this time, big businessmen pay attention to privacy and like to do business in private. Please come in and the bank has also set up several reception rooms of different sizes to protect the legitimate needs of businessmen.

The bank's apprentices must first practice "sitting skills". The rules passed down from the ticket number are strict with every apprentice, including the manager, almost harsh.For example, you are not allowed to leave for three months and please come into the bank's residence, you are not allowed to drink flower wine, you are not allowed to visit prostitutes, and you are not allowed to borrow usury loans.Stay in the bank all day to practice counting banknotes, wrapping silver ingots, and stringing copper coins.Apprentices who can stand the boredom can be formally hired.

Due to industry relations, the ticket number industry is full of mystery. Outsiders do not know how to operate it, and the production of banknote paper and secret notes are kept secret.Therefore, in the hundreds of years of Chinese history from the Ming Dynasty to the Qing Dynasty, all big businessmen stepped into this industry. The country has not yet carried out a unified plan for this industry. Relying on and getting rich together is a characteristic of bank accounts everywhere.However, due to the limited power, the bank offices and banks in various places could only be settled in one corner, and none of them could open all over the Qing Dynasty.The bill number and foreign bank regulations stipulate that the interest on loans shall not exceed three cents per month, and the interest shall be calculated on a monthly basis.One point is added for a few days after a month.

From Huang Yousheng's mouth, I learned that the main risk of all the procedures of the ticket number lies in the occurrence of bad debts, also known as bad debts.If there are too many dead debts and the capital turnover is not good, there is a danger of bankruptcy.

Because the princes, ministers and local officials have made a fortune by doing black yarn business, they just accept donations and sell official hats, but many of them buy them by borrowing money.There are many ways to borrow money, some borrow from private individuals, some borrow from bank accounts and banks, and they recover the cost and interest.The interest on the borrowed money is high and the repayments are often doubled.There are also great risks. In many cases, the bank and the bank borrow according to the size of the official hat, or even borrow beyond the budget, and cannot recover the cost.There is also insolvency, the borrowed money, the merchant goes bankrupt, and causes dead debts.In addition, there are property disputes caused by the sudden death or absconding of creditors, which will also affect the lending business of bank accounts and banks.

At this time, a kind of "banknote" was circulated in the Qing Dynasty. It had outstanding credit and circulated in the market like cash. It was recognized by both Chinese and foreign trade parties, and was called "a very valuable Chinese financial document in trade" by foreign businessmen.Banks issue deposit receipts according to the money (silver) deposited by depositors, which are anonymous and can be circulated in the market.Later, it evolved into printing and distributing fixed-form bills, filling in the amount and stamping at any time.Finally, the bank printed a certain amount of money or silver notes with various verification conditions, collectively referred to as "bank notes", which can be used everywhere.These are the two unique management methods of the bank and the bank. As a means of manipulating the financial market, they play an important role in the development of the bank.

The "foreign tin market" also refers to the market price of silver dollars expressed in taels of silver (based on the Mexican eagle dollar).Commonly known as silver yuan or foreign tin, one silver dollar is combined with seven cents and two cents of Kuping silver or seven cents and three cents of Caoping silver. Based on this, the market price fluctuates with the market until the cent, so it is called foreign cent or cent.The interest rate calculated on the basis of silver taels is called silver loan, and the interest rate calculated on silver dollar is called foreign loan.In the money industry, it is sometimes collectively referred to as bank loans or interest rates.This is the interest rate for inter-bank lending between banks, which is manipulated by the "Bank Association".Banks and banks mostly accept deposits from merchants and collect bills on their behalf.Some government funds are also deposited in foreign banks, all of which are current deposits.The loans we operate include credit loans, mortgage loans, short-term interest rates, etc.The objects of lending were mainly firms, and a large amount of loans were given to various export industries every year, which played a positive role in promoting the development of national industry and commerce, which was just emerging at that time.

Banks and banks also operate raw gold and silver transactions, identify the fineness, weight and authenticity of gold and silver, silver dollars and various metal currencies, and verify their prices.Some well-capitalized money houses (such as Wanjia Bank) also set up or controlled silver furnaces, silver buildings, gold shops, casting and trading gold and silver ornaments.Banks and banks not only take advantage of their special status in exchange, but the "Banking Association" manipulates the market price of silver taels and silver dollars for a long time to control the transaction of silver coins in the field of circulation.

Huang Yousheng talked about a lot of matters related to the "Bank of China Banking Association", and explained the general banking rules in the market. Sometimes other people interrupted and asked questions. The "gains and losses" of the rules.

Li Guolou ate quickly, and was the first one to finish eating. He took a wet towel, wiped his lips, and said, "It can be said that we invite you into the bank. It can be said to be the first in history, or it can be said to eat the last morsel of fat. Wait for us to invite you to the bank." Now that the bank has become a colossus, those champions and second-best candidates in the imperial court will understand that state-owned banks will also be on the agenda. Of course, until we fail and achieve results, those scholars in the court will not dare to take part in this business Yes, as the saying goes, the rules of the ancestors cannot be broken, so the purpose of our invitation to come to the bank is to quickly occupy the market share. The goal in the first year was originally set at 6, and now it is initially set at 30. Overall planning is the most important thing, and it can be spread out after proper arrangements. No, with the scale, it is useless to operate without anyone. Talents are discovered and cultivated. We invite people to come to the bank to hire people, not based on their qualifications, but on their ability. Huang Yousheng, general manager Huang has this ability, we I have [-]% trust in General Manager Huang, and I believe that General Manager Huang can bring Invited Bank into the right track and develop into the largest private bank in the Qing Dynasty."

The people present nodded approvingly to Huang, believing that he could make a lot of money by inviting people into the bank.And Huang Yousheng is not ashamed, he is a gentleman, and agrees with Li Guolou's statement.What had he to worry about?The principal was provided, and the business was planned and laid out by Li Guolou.There are also two gold-lettered signboards, Prince Gong and Li Zhongtang, whoever dares not give him face, making money is inevitable.The only thing to worry about is when will the imperial court establish a state-owned bank by itself?I hope that that day is still far away. If the initial goal can be achieved next year, a garden house in the British Concession will be as easy as picking something out of a pocket.

What Huang Yousheng wants to do most is to crush Hu Xueyan's "Fukang Bank". Hatred is Hu Xueyan's deep hatred for taking away his concubine "Yuwa".

The social atmosphere at this time is one-size-fits-all, very few jump out of the nest, and it is very rare to find another commercial competitor in the same industry.Huang Yousheng's reputation in bank accounts and money houses has been widely spread, and his notoriety has spread far and wide.Being the chairman of the bank with Yelia, these two incidents have caused an uproar in the industry.Many people in the same industry are waiting to see the day when the bank will collapse.The so-called easy to get in, hard to get out, set foot in the banking industry, please come in when the bank opened, the peers began to send flower baskets, came to the door to congratulate, and expressed their hearts.Walking in the dark can be a stumbling block and damage the reputation of the bank that invites you to come in.

Li Guolou continued to babble, and finally talked about the post office with Sheng Huaixuan, nodded to his uncle Li Jingyi, and said, "Third Uncle, think highly of our two brothers, let us establish Please come in bank, and let Sheng Huaixuan establish Qing Dynasty in Shanghai The General Administration of Posts and Telecommunications, our banking industry and the Posts and Telecommunications Bureau will cooperate with each other in the future. The business of transferring money by telegram will be launched rapidly and will go deep into the mainland. For example, Bank of Shanghai has established a business contact network with banks in Wuhan, Zhenyang, Ningshao and other places, with joint numbers, Agent relationships, etc., penetrated into the inland through these areas. Under the control of the banks in the concession, they supported the inland banks with funds. According to the contract for remittance and remittance, the annual inflow and out will reach tens of millions of taels of silver, effectively controlling the inland finance, and Acting as a comprador for foreign companies to purchase and dump raw materials from China. This way of making money will open another window for our foreign trade. The domestic economy is also controlled by our banks, and foreign trade is also firmly controlled. Yi, (because they are about the same age, they are all called by their first names.) The personnel of the Shanghai General Administration of Customs should also control them, and I think my brother-in-law can do it.”

Li Jingyi nodded and said: "Well, I understand, but this matter cannot be dealt with. It will take about two or three years before it can be nationalized. Guoxi, you should be the chief book office first, and train relevant personnel from the General Administration of Customs , My younger brother Jing Shu will also be named in the General Administration of Customs, but he will still go to Guangdong to become a magistrate in the future. The affairs of the General Administration of Customs, brother Tan, are still up to you."

"Then I would like to thank Jingyi for the point, and I will do my best in the future." Tan Guoxi was ecstatic in his heart. He is also going to be an official. Although it is not his turn to be the head of the customs office, after becoming a secretary, there are people under him. With the power in hand, at least he can get the title of a seventh-rank official, and he will also become a red-capped businessman like Sheng Huaixuan.Can't help but look at Li Guoyun who is disabled. In the family, only this brother-in-law has no official title, and the same person has different fate. Li Guoyun can only hang out in the business world without much development prospects.

Li Guoyun was also a little disappointed, but he quickly adjusted his mentality. What he said about "Yadong Textile Factory" just now was just an illusion.The textile industry seems to be flourishing like brocade. It seems that the national revitalization of the Qing Dynasty began with the textile industry. However, this industry is large-scale and has a large output. Only then can it be competitive and profitable.The initial investment scale of the textile industry will continue to increase the scale of funds. To make Yadong Textile Factory develop soundly, it will take at least five or six years of large-scale investment. This requires a huge amount of borrowing from the bank to maintain Yadong Textile Factory. Operation, the so-called revitalization of national industry, is still a road full of hardships and thorns.Li Guoyun and Li Guolou started the banking industry so quickly because they were driven into a desperate situation by the business of Yadong Textile Factory. If the capital chain was broken, the consequences would be serious, and they both knew clearly.This time, if I blog again, I will either be a master, or have nothing.How do outsiders know that the two brothers have evil intentions?Behind a business that is sure to make money but never loses, there is another conspiracy.

Li Guoyun smiled slightly and said: "You are all officials, but I am an authentic businessman. On the tenth day of the next month, we will have another meeting in Tianjin. I will be the host at that time, and I will buy wedding wine. Please enjoy it."

On May [-]th, Tianjin Please Come In Bank officially opened for business, and everyone with a reputation will go. Those present, who would not go on such a big day, are excitedly looking forward to that day.

During the conversation, they began to discuss the details of the banking industry. There was no end to these red tapes. Huang Yousheng wrote the records himself, and there was his secretary's records beside him.A shareholder meeting lasted until six o'clock in the evening, and finally had a formal dinner.

Pack together to perform the ceremony of the landlord, and set up two tables full of plates and bowls. Yesenia is like a French lady, entertaining guests with decent etiquette.From the beginning to the end, he never saw his son Bao Quanzhong.

Li Guolou couldn't help sighing in his heart, Bao Yitong had a new love, Yesenia, and he didn't even want his son, Bao Yitong had concealed from his son Bao Quanzhong the matter of inviting him to the bank.

Li Guolou involuntarily looked at Yelia's slightly bulging belly, and then glanced at Zhen Yuhuan, who was hooking Yelia's arm and talking. Yesenia, the voices of three women.How will his family change in the future?So many women are selfish, and now they sleep beside him, regard him as the backbone, and are willing to spend money to support his career.What about the future?When he has more than enough energy, the nine grandmothers will dislike him and only think about their children.

Li Guolou was thinking in his heart: Why do you marry so many women?Teach them to be self-reliant, get out of the wall early, and send them out as a gift.

"Mike, what are you thinking?" Zhen Yuhuan squinted at Li Guolou who was distracted, a little dissatisfied, there is no reason to drink alone on a big day.

"Oh;;;;;; I am thinking about meeting the emperor. I don't know if it is possible for me, a Tanhualang, to not work as a secretary in the Imperial Academy and teach those Jinshi to read. I am a little embarrassed." Li Guolou had an idea. Li Guolou was lying again, and no one on the scene could see that Li Guolou was lying again.

All the people present were satisfied with Li Guolou, and praised his courage and spirit of "dare to be the first in the world". .Under the praise of the crowd, Li Guolou couldn't help beaming with joy, a little carried away, being persuaded to drink by the crowd in turns, he left Baoyi's mansion dizzy from drinking.

Before leaving, Li Guolou pointed at the crowd and shouted: "I tell you, don't be greedy, it's just like this. Don't try to annex other people's shares. If you die for nothing, you are happiest with friends. Are you happy with me as a friend? "

"Happy! Tanhualang is the best friend." "Let's go, you!" "Xiaolou, let's go out together next time. I'll take your family to Taiye Pond for boating."

Everyone was holding Li Guolou in their hands. At this time, they had not seen the silver in their hands, so they were content with the status quo and obeyed Li Guolou's command dutifully.In June next year, when the dividends are distributed, they will all count the shares in other people's hands. When will they become their own?The human heart is never satisfied.