Mingshi

Chapter 706 Bank
Inside the study.

Luo Xin and Lu Tingjiang sat opposite each other, and Luo Xin listened quietly to Lu Tingjiang's report. This Lu Tingjiang is indeed a business genius, and Luo Xin couldn't help but admire in his heart.Lu Tingjiang also showed complacency on his face and said:
"No, give me another ten years, and we will definitely become the richest people in the world."

Luo Xin said with a smile: "It won't take ten years, but now there is an opportunity that may make us the richest man in the world within three years."

"What chance?" Lu Tingjiang's eyes lit up.

"That's right!" Luo Xinning said, "I have discovered a problem. Due to the frequent transactions of merchants in various places, the circulation of silver between various places is very large, and once the market is open, the circulation of silver will also increase. Increase. Now these gold and silver are escorted by the escorts raised by the merchants, and recently our Escort has won some share. However, this method is very unsafe, and our Escort has been robbed several times, although in the end Those gold and silver were kept, but our people suffered countless casualties.

So I thought of a way to trade in different places without carrying a lot of cash. "

"What way?" Lu Tingjiang's eyes were as bright as two little suns.

"Ticket number!"

"Ticket number?"

"Yes! It's the ticket number." Luo Xin began to explain: "These circulating silver coins are actually the relative flow of two places, such as from place A to place B, and then from place B to place A. This kind of flow actually does not need To escort the cash, you only need to offset the accounts between the two places..."

Hearing this, Lu Tingjiang became excited. He has been in business since he was a child. Lu Tingjiang immediately understood what Luo Xin said about the experience of later generations similar to banks. If he followed Luo Xin's method, there would be so many obvious benefits. The growth of customers is inevitable, and the amount of bank deposits in both places A and B will continue to increase. Once the amount of bank deposits increases, the solvency will naturally become stronger. Settlement once a time, can be settled annually, which undoubtedly greatly reduces the number of times, costs and great risks for merchants to transport silver.

Undoubtedly, this method is advanced and beyond the times, and this kind of method has not appeared in the era of Ming Dynasty.Once Luo Xin started this business, he would really become the world's richest man in three years as he said.

Now Luo Xin has gradually become stronger. Although he is only 17 years old, he has gradually accumulated a lot of contacts. Not to mention the Fuxing Society, not to mention the entire Ming Dynasty, but only in the southeast, with Hu Zongxian and Song Danian, he can already worry free.Then he has a strong private force, and he has established an escort agency to ensure the safety of the silver. As for the business reputation, as long as the five aristocratic families start depositing silver into the bank, there will be no problem in the operation of the southeast.

As long as the situation is opened in the southeast, then it can be promoted to all parts of Ming Dynasty.

The two studied for one night, then Lu Tingjiang left, and began to dispatch troops. Over the years, they have traveled between Daming and the grasslands and operated various businesses, and they have cultivated a group of talents. Letters were coming to the southeast at a high speed. At this time, Lu Tingjiang had already dispatched a group of people nearby. With the help of Luo Xin, he bought several shops facing the street and started to decorate them.

At the same time, Luo Xin began to let the Escort start to recruit craftsmen and go to the land of exile to buy scholars.The money was drawn out like flowing water again.

Time flies like water, and it will soon be May.The spring flowers are already blooming, and everything about Luo Xin is also developing in a good direction.

Lu Tingjiang has already established a bank in the southeast, and the name he chose is "Huaxia Bank".

When it first opened, Huaxia Bank had a lot of guests. The most notable ones were the governor of Suzhou and Hangzhou, Hu Zongxian, the governor of the southeast, who came to congratulate them. This made people see the strong background of Huaxia Bank. Naturally, it was because of Luo Xin’s personal invitation. , Let Hu Zongxian and others know that the boss behind this Huaxia Bank is Luo Xin.Naturally, they came to cheer happily.

Not to mention people at the level of the five masters, Luo Xin never personally invited them, but Lu Tingjiang visited them in person and revealed his identity. It was enough for his niece Lu Rudai to be Luo Xin's official wife. How could everyone not know that the boss behind Hua Xia Bank is Luo Xin?

Other businessmen found out that the five masters came to Huaxia Bank to congratulate them. How could they not come after receiving the invitation?
Therefore, Huaxia Bank has contracted the most famous restaurant in Hangzhou. The upper and lower floors are full of seats.

It’s just that they came, but they didn’t know what Huaxia Bank was doing. After drinking for three rounds, even Hu Zongxian couldn’t bear it anymore, and asked in a low voice like Luo Xin:

"No, what exactly does this Huaxia Bank do?"

"This little brother is not very clear, but not as clear as Second Uncle Lu. Second Uncle Lu..."

Lu Tingjiang stood up, bowed his hands to everyone, and said, "My lords, distinguished guests, Lu will explain the business scope of Hua Xia Bank in detail. There is no conflict between Lu's business and everyone, only help..."

Speaking of this, Lu Tingjiang waved his hand, and a dozen shopkeepers stood up, went out from the box, distributed among the floors, and began to tell the guests about the business scope of Huaxia Bank, and a personal voice sounded in the restaurant. sound.

After Lu Tingjiang and the others finished speaking, there was silence on the third floor of the restaurant.Everyone thought that this was a good thing, it was convenient for them, and it also made their gold and silver safer.

but……

But no one made up their minds, thinking that who knows whether Huaxia Bank is reliable or not?

Although they know that the boss behind it is Luo Xin, they have also heard about the reputation of Lu Tingjiang in the north.However, this is not a trivial matter. It is to deposit real money in Huaxia Bank in exchange for a ticket number.Everyone's eyes couldn't help looking at the five masters, and Luo Xin also looked over indifferently.The hearts of the five masters jumped.Thinking quickly in my heart.

In terms of raising prices and colluding with Japanese pirates, it can be said that Luo Xin let them go, and they owe Luo Xin a huge favor.This favor must be repaid, if not repaid, with Luo Xin's wisdom and decisiveness, and...cruel...they can't even think about living a good life.

Moreover……

They remembered what happened after they followed Luo Xin, and then thought about Luo Xin's distribution of credit to Hu Zongxian, Song Danian and others, and they believed that Luo Xin was a trustworthy person.Therefore, the five masters looked at each other, and Lu Ding cupped his hands and said:
"Brother Lu, both of you and I are surnamed Lu. Seriously, we are also from the same family. Starting today, our Lu family in Wu County has cooperated with Huaxia Bank."

The heads of the other four families have also expressed their willingness to cooperate with Huaxia Bank. The five major families have expressed their views. No matter what the small and medium-sized families think, at least on the surface they enthusiastically expressed their willingness to cooperate with Huaxia Bank. Will it really be implemented? They will go back and observe the five great families. If the five great families really cooperate with Huaxia Bank, they will naturally follow closely.

So, will the five great families cooperate with Huaxia Bank?

The answer is yes.

As long as Luo Xin is in the southeast for a day, they will definitely cooperate with Huaxia Bank. This is no longer a question of money, but a question of survival.Waiting for them to taste the sweetness, even if Luo Xin leaves Southeast, they will continue to cooperate with Huaxia Bank.With the sincere cooperation of the five great families, it is not a problem for Huaxia Bank to win those small and medium families.

Lu Tingjiang and Luo Xin exchanged glances, both of them showed joy in their eyes.

In less than three days, under the leadership of the five great families, merchants from all over the southeast have deposited gold and silver in Huaxia Bank, and Huaxia Bank has also opened branches to all parts of the southeast within a very short period of time.

Six days had passed, and this time it was Luo Xin who was entertaining guests in the building outside the building. He still invited the heads of the five aristocratic families and the small and medium families in the southeast to the building outside the building.

This time it is for the opening of the market and the establishment of a joint-stock company.Luo Xin printed the various articles of association of this joint-stock company into a booklet, and no one sent a copy, and answered the questions raised by various businessmen in detail, and then everyone went through three consecutive days of discussion and added some clauses. Finally, there is the issue of the distribution of shares.

On the issue of share distribution, Luo Xin did not use the government to suppress people, because he just wanted to form a rule. In this stock company, the government is not the one who decides what to say, and all matters must be discussed and resolved through the shareholders meeting. The government's identity is only a shareholder, which prevents Luo Xin from leaving Southeast, and the government makes a mess of this joint-stock company.

Therefore, Luo Xin has been reasoning with them, presenting the facts, and constantly explaining that the government has played a vital role in this company.The most important thing is to win [-]% of the shares for the government. The five major families divided up [-]% of the shares, and each family took [-]%. The remaining [-]% was allocated [-]% to the small and medium family owners, and the last [-]% was reserved for later sale to the people of Ming Dynasty. .

After several days of memories, the company named Daming Haimao was finally listed.In this way, the maritime trade operated by the shipping company in this city has become the business of these families in the southeast. Each of them has put their heart into it, and vigorously advocated the company's prospects. In less than seven days, the remaining [-]% of the shares were divided into several shares. It took less than half a month for Daming Maritime Trade Company to gather tens of millions of taels of silver and deposit it in Huaxia Bank, Lu Tingjiang couldn't close his mouth with joy.

Then the sea trade company held the first general meeting of shareholders to discuss the allocation of sea trade quotas. First, each merchant reported what goods they planned to operate this time and how much goods they could deliver, and then everyone distributed them in a unified manner. Noisily, but one Everyone is smiling.After the meeting was over, the merchants from all over the southeast went back to organize the supply of goods and began to ship them to Hangzhou. The business of transporting these goods was naturally handed over to Luo Xin's chariot and horse company, and the task of escorting was naturally handed over to Luo Xin. The Escort has a steady stream of money, and before the Shibo Division opened, Luo Xin had already made a lot of money.

At this time, the Shibo Department has a sound organization, and each performs its duties. The construction of the docks and warehouses is almost complete, and the Daming Maritime Trade Company has also started operating, just waiting for the Shibo Department to open.

but……

In Luo's confidence, there is still one last problem that has not been resolved, and if this problem is not resolved, there will be no way for Shibo to open the market.

Japanese pirates!

Not bad!

It is Japanese pirates.

If the Japanese pirates are not resolved for a day, the Shibo Department will not be able to operate. Now Ye Ma has been shot by Luo Qing. Although Xu Hai and Xin Wulang escaped, they have been completely disabled by Luo Xin. They will not die at sea. There is no right to speak.Now only Wang Zhi has the right to speak at sea.

And this Wang Zhi has always been the biggest voice controller in the sea. Without Wang Zhi's cooperation, or if Wang Zhi was disabled, those businessmen from Frankie, Persia, Japan, Southeast and other vassal states would not dare to appear in the sea. On the sea area of ​​Ming Dynasty.

This is Wang Zhi's heroic performance, and it is also the tragedy of the Ming Dynasty.

"It's so hard to find Hu Zongxian! I don't know how his talk with Wang Zhi is going?" Luo Xin said softly.

"It's been several months!" He Young said in a loud voice.

Luo Xin sighed and said, "Hu Zongxian must be urged to speed up this matter, otherwise, if it drags on, what is my reputation? What is the reputation of the Shibo Department? Daming Maritime Trade will also collapse. At that time, I want to gather these businessmen together It's not easy being together."

"Then there is no other way!" Wang Ziren said softly, "We, the Bureau of Shipping, can't do anything about this matter. It's completely Hu Zongxian's business. Only he can solve this matter."

"Then we can't just wait passively like this?" Luo Xin said helplessly.

the next day.
Luo Xin brought Lu Daqing, under the protection of Wan Daquan's bodyguards, to the governor's mansion in Suzhou. Only after arriving at the governor's mansion did he know why Wang Zhi had been dragging his feet and never came.

This starts with Xu Hai, Ye Ma and Xin Wulang's attack on the southeast. At that time, Wang Zhi got up and watched the two tigers fight each other. His mind was to wait for the Japanese pirates and Daming to lose both, and then he would come forward. , so that he can occupy a greater advantage, so at that time Wang Zhi cut off contact with Hu Zongxian.And Hu Zongxian was also busy dealing with Xu Hai and the others at that time, so how could he still have the heart to contact Wang Zhi?

Later, neither Wang Zhi nor Hu Zongxian thought that Luo Xin would defeat Xu Hai, Ye Ma and Xin Wulang's troops all by himself, and Luo Qing also shot and killed Ye Ma.Almost all the more than [-] Japanese pirates were besieged and killed. Only Xu Hai and Xin Wulang fled back to the sea with hundreds of people.

This time, Wang Zhi was greatly surprised when his plan failed, he did not expect that the officers and soldiers of the Ming Dynasty had become so powerful now.Even if it was him now, he didn't dare to go ashore easily, so he immediately decided to contact Hu Zongxian to start negotiations.Even if you are an official, you can return to Daming in the future and return to your hometown in good clothes.

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(End of this chapter)