"My lord, think about it, this sale is all about price negotiation on the spot. First of all, you need to pay a deposit. You can't just come and join in the fun with only three melons and two dates. That would be a low level, and you might not be able to do it." It has become a joke, so the bank checks are only accepted from Haitong Bank, and the household accounts are all opened in Haitong. What are you afraid of? Secondly, if you sell on the spot, you have to perform the contract afterwards. You can't be in the limelight on the spot and then regret it afterwards. Then Your deposit will be confiscated as compensation. In addition, you have to perform the contract, which can easily cost tens of thousands of taels of silver. Who can bring cash? The court only recognizes the banknotes of Haitong Bank. This is not a disguised use of these. Whether they want to be in the limelight or they are sincere in picking up the slack, all the businessmen’s accounts are tied to Haitong?”
Feng Ziying talked eloquently, "These are all wealthy businessmen from the north and south of the Yangtze River, inside and outside the border wall. I even asked people to take letters to Inner Khalkha and the Jurchens, and also to the Chahar and Tumut people." People went to spread the news, including Fo Langji and Hongmao Fan, as well as Japanese and Korean businessmen, just to create a momentum so that all the businessmen inside and outside the Zhou Dynasty would know that this Haitong Yinzhuang is ours. The No. 1 silver bank in China, honest and trustworthy, trustworthy, circulating at home and abroad..."
King Zhongshun was very happy when he heard that, his eyes were shining, and he couldn't help stroking his chin, "Ziying, doesn't this mean that all the rich people in the world will fall into my trap?"
Feng Ziying burst into laughter, "Your Majesty, their money belongs to other people, but it is just through the channel of Haitong Bank to facilitate circulation. We are borrowing other people's money to make money, and they have the convenience of transaction and circulation, and the other group of people can borrow money." It can be said that everyone is happy when the emergency is rescued, and they complement each other, which is the best of all three."
"Hahahaha, isn't this all for me?" King Zhongshun clapped his hands and laughed, "I will not covet their money, I just hope that they can always open an account and circulate in Haitong Bank, our Haitong's most important asset What it is, is the word credibility. As long as the credibility is there, no one can win us. But Ziying, what is the one you mentioned, risk control? Yes, it is this risk control. I have thought about it carefully. , I deeply believe that once the risk is not controlled well, the money lent cannot be recovered, and the money deposited by others, or the money transferred through our Haitong channel cannot be withdrawn, then the reputation of Haitong Bank will be ruined. It will be useless, so we would rather be cautious about this, and also demand stability. Keeping credibility is the first priority, both internally and externally..."
Feng Ziying was also a little surprised. He had discussed Haitong Bank's business model with King Zhongshun several times before, which was similar to the operating model of modern banks. He thought that the prince would not understand it very well, but he did not expect that he would reveal it at once. , and you can also draw inferences from one instance and think about it again and again after you go back, which is not easy.
It seems that I still underestimate people of this era. As long as you give them some guidance, they can still figure out many things.
Like risk control, after a brief introduction by myself, the prince really understood the secret. The most important thing in finance is reputation. As long as the golden brand is there, there is no need to worry about making a fortune, but Likewise, this credibility also requires countless gold and silver to forge.
"Don't worry, Your Majesty, I have told my cousin that this matter is the most important. The Guangzhou ship is now developing the fastest, even surpassing the capital and Yangzhou. Now many Franji merchants and Hongmaofan merchants have accepted it.
For the next step of our Haitong Bank’s banknotes, my cousin also told me that we must go to Sulu and Luzon, even Palembang and Malacca, and Japan and North Korea, so that this can be realized
Our goal is to reach all parts of the world, but although we are developing rapidly, we cannot lose risk control, and our credibility must be defended. This is the bottom line,..."
Nowadays, Haitong Yinzhuang's branches are constantly growing, but the development momentum is fast and slow.
For example, the Guangzhou ship is the most dazzling, and it has a faint tendency to surpass the two centers of gravity of the capital and Yangzhou. Of course, it is not yet possible, but given time, the Guangzhou ship will definitely become the leader. In other words, the capital now occupies the leading position in the north, and Yangzhou becomes the independent one in the south of the Yangtze River.
Xiu, Guangzhou has taken advantage of Lingnan and Nanyang. In contrast, although branches in places like Datong, Hanyang and Xi'an have also been opened, their development momentum is far less than these places.
Duan Xigui has been tempered, and Feng Ziying's idea is to wait until the end of the year, when Duan Xigui has stabilized the situation in Guangzhou, and then let him come back to take charge of Haitong Bank and be responsible for the overall planning and operation.
Jia Lian can be considered steady in Yangzhou. Being timid is not a bad thing at this time. Yangzhou's business is prosperous. As long as the situation is stabilized, there will be huge profit returns. This is also Feng Ziying's request for Jia Lian.
On the contrary, Jia Yun is on the Jingshi side, because she is right under her nose, and she can ask her for advice on everything. She is bolder and has a more radical style, especially taking the initiative to deal with the Jurchens, Chahars, and Neikalka tribes.
The business travelers in the Han region can carry out loan operations, support Han business travelers to trade with Mongolia and Jurchens, and gradually incorporate the commercial trade network with Mongolia and Jurchens into Haitong Bank. By monitoring the flow of funds in these areas, we can understand the society of Mongolia and Jurchens.
People's livelihood information was of great importance to Feng Ziying.
In Feng Ziying's view, the financial attributes of Haitong Bank are important, but through this kind of financial support, it is also an extremely important role to monitor the trade networks between Mongolia and Jurchen and overseas countries on the border and even outside the border wall. Now the Great Zhou Dynasty
The more difficult the situation becomes, the more important this information becomes. It can even be said that as long as we have this information, we can control the flow of materials and price fluctuations in places such as the Mongolian Jurchens. Once they have a large-scale military operation, they can master it in advance.
Get the upper hand.
"Ziying, now I realize how wise Gu's investment was. It's ridiculous that Gu's cousins and even distant relatives thought they were giving Gu a bit of trouble and reluctantly joined the shares. Now, haha
,..." King Zhongshun stroked his beard and smiled.
Now that the drama is coming, Feng Ziying also purses her lips and smiles, "Why, these royal family members regret not investing enough in the shares and are jealous when they see the dividends?"
"Isn't that what it is?" King Zhongshun laughed because it was easy to talk to smart people. "Last year, I got a big share of the dividends. This group of people were so jealous that they kept whispering in my ears about whether they could increase their capital and expand their shares.
Just say that this bank is a chicken that lays golden eggs. Since it can lay golden eggs, why bother to increase capital and expand shares? Just use golden eggs to continue to expand operations. These people are holding their mouths and feeling uncomfortable..."
"Haha, Your Majesty is slapping them in the face." Feng Ziying also clapped her hands and chuckled, "However, although the development momentum of Haitong Bank is good, it is still far from achieving the goal of Haitong Tianxia..."
King Zhongshun took a sip from his tea cup and listened carefully.
"Last year's dividend was generous, and we also considered it to give everyone a thought. After all, we took some risks when we invested in the shares. No one has seen new things before, and we all need to explore and move forward. Now that we have seen hope, everyone is enthusiastic.
It's understandable, but there may not be such generous dividends this year. The Jingshi, Guangzhou and even Hanyang are expanding their operations. The deficit of Jingtong's second warehouse has caused a huge food security gap in Beijing, and there is a serious drought in the north.
This winter and next spring will definitely be difficult. I have already sent a message to Jia Qiang and Hanyang, asking them to strongly support the grain merchants who sell grain from Huguang to Shandong, Beizhi and the capital. Even if the interest is lower, they will still support it.
,…”
"Oh?" King Zhongshun chewed on the meaning of Feng Ziying's words and asked tentatively: "Ziying, I hear what you mean, you don't refuse to increase capital and expand shares? But our Haitong has huge profits, why do we need to increase capital and expand shares? Really?
To increase capital and expand shares, you don’t have to go to relatives like Gu. There are countless people outside craning their necks to buy shares, but Gu has stood up to many people for you, and even offended many well-connected people..."
"As long as the emperor doesn't want to buy shares, it's okay." Feng Ziying joked, "Although Haitong has huge profits, don't just see the profits and not the risks. Although the situation has been difficult in the past two years, overall,
It is said that it is relatively stable. The war in the southwest has nothing to do with the overall situation, at least it will not affect Haitong's business, but what about the future? Be prepared for danger in times of peace, and we still have many areas that need to expand and dig deeper, so the richer the share capital and the broader the network, the more beneficial it is to us.
To become bigger and stronger, it is necessary for the prince to resist in the early stage, making them jealous and greedy. Now if we let go, they can cherish it more and be more useful to us..."
King Zhongshun rubbed his chin, "It's not like that with the emperor brother, but the nephews and the ladies in the palace are very greedy, and their appetites are not small..."
"Oh?" Feng Ziying hesitated, "Are some of the noble concubines interested?"
"Ziying, who could not be interested?" King Zhongshun sighed, "Even the emperor said that if he were not the emperor, he would be tempted as well. The imperial court should have bought a share in the first place, but now the imperial court really has no money.
, and a group of scholars and civil servants also opposed competing for profits with the people, feeling that it was an insult to the court's elegance and damage to the court's prestige..., Although last year's dividends were repeatedly requested to be kept secret, how could it be concealed? Ladies, haha, your hair is wise.
Short, how can I endure it, and what about their natal family behind them?"
Feng Ziying nodded. This still needs to be weighed. Although he is willing to see Haitong Bank continue to expand its scale and influence, he must also consider the impact of concubines and princes in the palace coming to invest. Of course, as long as there are loyal and obedient people,
Wang, a loyal ally, is not afraid of them causing trouble, but he still needs to think carefully.
"How about it, Ziying, think about it carefully. If you want to increase capital and expand shares, you need to think carefully about how to balance it and even minimize the influence of these newcomers." Of course, King Zhongshun did not want these people to have influence.
It was too big and affected the operation of Haitong Bank. In his opinion, only Feng Ziying's helm could make such a giant ship sail smoothly and ensure his own interests.