Lord of the House

Lin Fu sent someone to ride fast horses to urge him. No matter how important Lin Mengde had something to do, he would give priority to Lin Fu's side, and he took the carriage back to Chongcheng that night.

To say that Qin Chengzu still had some concerns about the "Qianzhuang", worried that he would encounter all kinds of resistance, Lin Mengde was extremely supportive.

When the Lin family was at its peak, there were warehouses in the surrounding cities of Dongyang, Jiangning, Weiyang, Huai'an, Pingjiang, Danyang, Hailing and other Jiangdong counties. The bulk of the goods exchanged thousands of taels of silver, and "flying tickets" were used inside the warehouses. It has become the norm, and a set of rules has also been formed.

Because the Linji warehouse has a good reputation and deep foundation, it is also common for the Dongyang Township Party, who is doing business or traveling abroad, to use the flight tickets of the Linji warehouse to exchange money. By the eighth year of Chongguan, the foreign exchange of flying tickets had already formed a considerable scale; the Lin family could obtain an extra two or three thousand taels of silver from the coupons alone. Compared with other businesses of the Lin family, the coupon income is still very low; if Lin Kee uses the flying ticket internally and also calculates the coupon, then the figure is quite objective.

The war was chaotic, Shanglinli was destroyed, and the foundation of the Lin family was almost destroyed. The battle situation was unpredictable and people were unpredictable. Currently, the Lin family has resumed settlement with cash between the warehouses, but it does not mean that the bank affairs are not feasible.

Wang Chengfu wrote a letter and suggested that he should talk about the money shop. Lin Mengde had seen it earlier and thought about it a lot. He has practical experience in this area, and naturally he has more and clearer ideas. It's just that he was busy with other things during this time. After Lin Fu returned to Chongzhou, Lin Mengde met him twice in a hurry, and he didn't have a chance to talk about it in detail.

Wang Chengfu wrote a letter suggesting that Dianqianpu should be set up.

Lin Fu clarified the concepts of "bank", "debit", "money interest", "bank bill" and "coupon interest", and the conceptual framework in Lin Mengde's mind became clearer. In the meeting, he expressed his thoughts.

"Things are unpredictable, but Huaidong's repeated victories can still give others some confidence," Lin Mengde said, "We don't expect much progress in the first step, but in the Jinhai food system system Here, it is still feasible to implement flying tickets! Not to mention the Heishuiyang Shipping Society, the money is settled in Chongzhou, and the benefits of the bank are not seen. However, many grain merchants only take the short line from Chongzhou to Jimo - from Chongzhou To buy grain, enter Jiaozhou Bay, deliver it to Jimo, and make bank settlement, you need to transport the money back to Chongzhou, and then use it to buy grain. It would be more convenient if grain merchants go with the ship, as long as you find a reliable ship owner and buddy, The silver is brought back with the ship; but many grain merchants and shipowners just hire people to transport the grain. I am afraid of the storm at sea, so I do not go with the ship. Thousands of taels of cash are transported back to Chongzhou by land, and there are various Worry! It would be much more convenient if we set up banks in Jimo and Chongzhou, and the grain merchants obtained silver in Jimo, deposited the silver in the bank, and took the air ticket issued by the bank to Chongzhou to withdraw the cash. The silver may be lost on the way. It is robbed, but the payment of the air ticket is not advisable unless the grain merchant himself or the grain merchant designates it, and it actually guarantees the personal safety of the grain merchant..."

Flying tickets are different from banknotes, and are more similar in nature to later generations of bills of exchange. The face value of a flying ticket is hundreds of thousands of taels. Such a high-value air ticket will naturally be endorsed in detail when the receipt is issued, indicating the identity of the ticket holder and the time limit for cash withdrawal, and even designate a cash withdrawal bank, which is very unlikely to be stolen.

Zhou Guangnan and Sun Fengyi have been in business for most of their lives, and they naturally understand the benefits of flying tickets. The key is whether the bank can be trusted. If they are trustworthy, it is much safer to take a flying ticket on the road than to carry thousands of taels of silver on the road.

The Jinhai Food Route itself is supported by the Huaidong Military Division, and the establishment of the bank naturally depends on the reputation of the Huaidong Military Division. If these grain merchants still don't trust Huaidong Military Division, there is no need to go to the Jinhai grain road.

"Of course, it is impossible for the bank to issue air tickets to grain merchants for no reason. It is natural to collect coupons. As long as you make sure that you can exchange cash for cash when you bring the ticket to the bank, you can get three or even five per hundred miles. I think the grain merchants Everyone will be willing." Speaking of this, Lin Meng's eyes were shining brightly, he was thinking about opening up a source of money for Huaidong, and suddenly he felt a sense of clarity, how could he not be excited? He continued, "From Jiangmen to Jimo or from Huaikou to Jimo, in normal years, the grain transportation volume is more than 1.5 million shi, and the total amount of silver is 1.5 million taels at the price of grain in Jimo. This batch of grain is naturally to be transported from Jiaozhou Bay to Laizhou Bay, and it is a round trip; from Denglai to Jinhai, it is another round trip. Three rounds of silver money roll over, and the total amount will exceed 5 million silver. Even if you take three out of a hundred miles, the potential annual coupon income will reach 150,000 taels. At the same time, we can see that in Jiaozhou Bay and Laizhou Bay, grain merchants can trade tickets with each other, as long as we are in Tianjin Haihe Chongzhou Qianzhuang, first store a certain amount of cash, to ensure that the grain merchants can remit the cash when they hold the ticket, and then the transaction can be completed!"

"Mengde thinks how much principal should the Qianzhuang prepare in order to ensure that the grain merchants will be able to remit cash with the receipts?" Sun Fengyi asked.

They are businessmen who make their fortunes, and they value credibility the most. The success of the bank's business also depends on its reputation. Once the grain merchant cannot cash the ticket immediately, the reputation of the bank will be destroyed, and the business will not be able to continue.

"If it is only for the grain merchants to issue the receipts," Lin Mengde said, rubbing his chin, "it seems that the cash will be deposited in the bank in Jinhai, and the cash will be withdrawn in Chongzhou with the flying receipts. Assuming that half of the grain merchants' association We use the bank’s flying tickets for the settlement of silver money, and we transport the silver from Jinhai back to Chongzhou on a warship every two months, which requires about half a million taels of silver.”

"According to this, it is enough, but it cannot be guaranteed. If the wind and waves are dangerous and the silver boat is blocked halfway for a while, there will be problems with the turnover of Chongzhou. I see that if you really want to have insurance, you must have double Cash as the principal is enough." Zhou Guangnan said while twitching his beard.

The principal has to be invested so much, and the risks and costs of running a bank are also considered. In comparison, the benefits are quite limited.

"If it's just for the grain merchants to issue the receipts, it doesn't need that much principal," Lin Fu said. "The Huaidong Military Division reserves silver or hides it in the military division's silver cellar. If it is deposited in the bank's silver vault, there is nothing In addition, the cash collected by the Lijin Bureau and the remaining silver retained by the workshops can all be deposited into the qianzhuang as principal..."

Sufficient principal and silver deposits are needed, mainly to prevent runs. Sun Fengyi, Zhou Guangnan and others have been in business for half their lives. Although they have just had the concept of a bank, they can also take into account the run on money.

No matter how tight the financial resources of the Huaidong Military Division are, there will still be a certain amount of cash. There is no essential difference whether the silver is hidden in the silver cellar of the Huaidong Military Division or in the vault of the bank.

When it comes to the Lijin Bureau, Zhou Guangnan is familiar with it. Lijin Bureau is almost one of the main sources of cash income of Huaidong Military Division, and it only settles with Huaidong Military Division once a month.

Not counting the cash that has been stored in the Huaidong Military Division, the Lijin Bureau usually has tens of thousands of taels of cash.

The income settlement of the shipyard is quarterly, and normal operations must be maintained at ordinary times, and the amount of cash deposited is even greater.

Iron smelting workshops, silk cutting workshops, and even the Heishuiyang Shipyard have a large amount of cash in their hands, just in case of emergencies.

These surplus silver are all for emergencies. In fact, there is little chance that they will be used. It is the same as the reason why villagers save some silver money and dare not spend it.

These surplus silver are centrally deposited in the bank's treasury. One is that it is convenient for centralized storage, and the second is that if the bank runs on the bearer, the money can be used in an emergency.

That is to say, as long as the amount of surplus silver deposited in the bank is large enough, the bank needs less principal.

After giving Lin Fu a word, Zhou Guangnan seemed to see a new vision, changed his previous cautious attitude, leaned forward, and said, "What the lord said is indeed a coup for alleviating the lack of principal of the bank! , Maurice opened."

Lin Bie smiled slightly. What bank in the future does not take deposits from the public and lends money only with its own principal? He relies on the experience of later generations to win. If he talks about business calculations, he is not as old-fashioned as Zhou Guangnan.

Of course, at the beginning of the establishment of the bank, the bank had not established its reputation, and it was unrealistic to want to attract public deposits on a large scale, except for Caidong to contribute a certain amount of principal. However, Lin Fu can deposit the surplus silver from the Huaidong Army Division and many factories in the bank. In the future, he can directly instruct the eleven counties of the two prefectures in Huaidong to deposit the surplus silver in the bank, which can ensure that the bank has a large amount of reserve silver. .

Lin Fu smiled and said: "The benefits of Qianzhuang are not only these few things~www.readwn.com~Yantie Division transported salt and silver to Yanjing through our water camp last year. Chen Hansan controls Xuzhou, and rogues are in Bianjing. There is still a lot of power between Si, Zhang Yan still does not dare to transport salt and silver by land this year, but the bank can take this matter down."

"The idea of ​​adults is always unexpected. It's just right to say this, and the humble position is really convincing," Zhou Guangnan said with emotion, "The grain merchants deposit grain and silver in Jinhai, and take the ticket to Chongzhou to withdraw cash, which will cause Tianjin The imbalance in the amount of sea silver and the lack of silver in Chongzhou. The Salt and Iron Company deposits the salt and silver in the bank in Chongzhou, and we can allocate the corresponding silver money from the bank in Jinhai to Beijing, which can actually make up for the imbalance mentioned above... We have less To fill the troubles in Chongzhou from Tianjin Shipping Bank, but it can make one more business, it can't be better! This bank thing can be done!"

Lin Fu looked at Sun Fengyi again.

Sun Fengyi thought about it carefully, and when he saw the envoy looking at it, he also said, "I can do things about the bank."

The Sun and Zhou families were representatives of the maritime merchants who moved to the south. Although Zhou Guangnan and Sun Fengyi both served in the Huaidong Army, they could not willingly give money to make money, and Lin Fu could not force them either.

In this way, Sun Fengyi and Zhou Guangnan took the initiative to express their positions, and this matter is the first step.

Lin Fu said: "Okay. Wang Chengfu will stay here first. You guys will draw up a statement first and consider everything carefully. Naturally, the more principal the Qianzhuang can gather, the better. I'll go to Jiangning every few days to see if anyone there is willing to participate."

After the establishment of the Qianzhuang, lending is a basic function, and there is no need to emphasize anything, but Lin Fu did not mention that the Huaidong Army Division would borrow money from the Qianzhuang to develop armaments in the future. It is not too late to discuss this matter after the establishment of the Qianzhuang, and it is impossible to give others too many scruples from the beginning. My QT room is open! More vulgar official QT room number [9167] Click to enter