Chapter 199 Silk (Second update, please vote for me!)]

Snow fell all over the sky in the morning. It came and went quickly. The next day, the snow became much denser and spread until four or five o'clock in the afternoon. Today, one day later, maybe God thought of something.

No, no, it's flying all over the sky again, and it seems to be more violent than the previous two times. It gives people the feeling that since the beginning of winter, the snow in Chongqing is getting heavier and longer each time.

The old locust tree downstairs also stretched out its limbs to welcome the arrival of the snow, trying its best to feel the freedom of the snow, while Zhou Zuomin, standing by the window, held a cup of hot tea and stared at the snowflakes outside the bank.

"Spring is coming soon"

While Zhou Zuomin was muttering to himself, he picked up the tea cup and took a sip of tea.

As manager of the Sichuan branch of Huaihai Industrial Savings Bank, in the past four months, he not only opened a branch in Chongqing, the de facto political center of Sichuan, but also opened four branches in Chengdu and other places.

What makes Huaihai Bank unique is that it pays special attention to the absorption of small-amount savings deposits. At this time, like other banks and banks across the country, banks in Sichuan hold a contemptuous attitude towards small-amount deposits and look down upon them at all. Especially for

Generally, no interest is paid on silver dollar deposits. The general manager has the unique insight of a financial entrepreneur. He believes that the situation of using silver coins and silver dollars together should be changed, and will eventually change, because currency chaos has caused a lot of inconvenience to the industrial, commercial and financial industry.

It can be seen that the scope of use of silver dollars will gradually expand, and small deposits are more stable than large deposits.

Therefore, after Chen Huide became the general manager of the Industrial Savings Bank, he strongly advocated that the bank open small-amount deposits without any trouble and strive to spread them widely. This is rare in the national financial circle. Immediately afterwards, he proposed that one yuan can be used to open an account.

regulations, which can be said to be a flower in the financial world.

This move has aroused different reactions from all walks of life. Ordinary civilians heartily welcome Shangshang's move and appreciate its popular characteristics. However, there are also people in the financial community who are disapproving of Shangshang's move and deliberately make things difficult for Huaihai Bank. Years ago, Huaihai Bank's Shanghai Branch

As soon as it opened, an uninvited guest came. The man had a hundred silver dollars in his arms and arrogantly claimed that he wanted to open a hundred accounts. But the employees of the bank received him warmly and took the trouble to fill out the savings certificate for him. The employees

Their warm and courteous behavior convinced that person.

Although Huaihai Industrial Savings Bank's "one-yuan account opening" move was once ridiculed, it is now very popular. As the manager of the Sichuan branch, in the past four months, he has collected and deposited nearly 6 million yuan, 80 of which were from one to several.

A small savings of ten yuan.

"Collect and reserve 10,000 yuan, reserve 4.12 million yuan..."

Thinking of the capital of the Sichuan branch in his mouth, Zhou Zuomin's heart couldn't help but beat violently. He understood that the bank now had the capital to do a lot of work.

"In two months at most, the spring silkworms will be harvested. By then..."

Supporting silkworm harvesting is a bulk business of Huaihai Industrial Savings Bank, and the southern provinces are rich in silk, and silk and tea have always been bulk commodities exported by my country. In order to support the domestic raw silk industry, Huaihai Industrial Savings Bank began to try cocoon harvesting in Jiangsu last autumn. The method of borrowing money is to send personnel from banks to cocoon shops in various places to distribute different amounts of money according to the number of cocoons collected from silkworm farmers by the cocoon shops.

After the cocoons are collected, they go through a series of processes such as drying in the stove, reeling, and packaging. The packages of silk are transported to the loan warehouse of the Industrial Savings Bank for storage, and can be used as regular deposits. This naturally provides a lot of opportunities for cocoon merchants.

Convenience also promoted the production and trade of silk.

What is commendable is that the bank also stipulates that the staff sent to various places will not accept bribes, receive no entertainment, and will not recommend personal relatives to reduce intermediary exploitation and protect the legitimate interests of silkworm farmers and cocoon merchants. Last fall, it was with the support of Huaihai Bank

Under the epidemic, China's raw silk exports reached a new high, reaching an unprecedented 90,000 tons

Sichuan is also rich in silk. The thought of harvesting all the silkworms in Sichuan made Zhou Zuomin's heart tumble. However, despite his excitement, he knew that this was a big event and he must not rush it.

"Dong, dong..."

"Please come in"

When there was a knock on the door, Zhou Zuomin answered the door and saw the person coming in, so he hurriedly greeted him.

"Boss Fang, why are you here in person? If anything happens, just send someone to say something."

The person who came was Fang Housheng. The third division was established by Huaihai Bank Sichuan Branch last year. He deposited 300,000 yuan in Huaihai and became the first big customer of Huaihai Bank Sichuan Branch. Later, under Zhou Zuomin’s suggestion,

, raised RMB 600,000 by himself to set up "Shuhua Raw Silk Company" in Chengdu, and now still owes the company RMB 1 million for equipment.

"reform,"

As soon as he entered the door, Fang Housheng started to talk about business while cupping his fists to do Ju.

"The spring silkworms are harvested soon. When the time comes, you have to help me. The Fang family has a lot of money..."

Before he could finish speaking, Zhou Zuomin continued.

"Boss Fang, I see what you said. According to Huaihai's practice, the bank sends people to the Silkworm Bank to collect the silkworms. After reeling, the silkworms are handed over to the bank for deposit. China Trading Company is directly responsible for exporting. What do you think?"

Zhou Zuomin would naturally not refuse to deal with the bank's big customers. What's more, harvesting silkworms was originally a task under the company's division. Although it occupied bank funds, the bank could make huge profits from it, and, most importantly,

, Zhou Zuomin still wants to write an article on this thread.

"Weixin, I knew..."

When he got the reply he wanted, Fang Housheng's face was filled with a smile, he cupped his fists and said thanks.

"This bank, you Huaihai are kind and kind, I will do as you say, then I will wait for spring..."

"When spring comes, I will ensure that the payment for harvesting silkworms will not embarrass your boss."

The sun rises above the horizon, and the warm spring wind blows on people's faces in waves. It's tickling. The spring breeze is green again on the south bank of the river. This sentence is true. Since spring, it's getting warmer day by day, and the trees are also green.

The ground has turned green, and it looks like spring.

In Hangzhou City, at seven o'clock in the morning, the streets are still deserted, but the gate of the Zhonghua Silk Industry Company is already crowded with country people, waiting for the door to open. Many of these people are still not bright enough.

, just waiting there. They didn’t have anything valuable on them.

From the second half of last year until now, the local silk reeling has been sold back and forth but the price cannot be paid. Some of the half-cut silk that everyone left behind cannot be sold at any price. The local silk is not valuable, except for the silk from small factories.

All are harvested, but the big factories are harvesting silkworms but not silk. Although it is true that a group of silk farmers have suffered a lot, but as soon as the spring silkworms came on the market today, many silkworm farmers around Hangzhou rushed to this silk industry company with their silkworms.

It is the largest silk industry company in Hangzhou City.

Finally, at nine o'clock, the Silkworm Collection Office of the Silk Industry Company opened for business. The group of people who had been waiting outside for a long time were fighting desperately. Most of the silkworm sellers knew that this silkworm sale was different from other silkworm sales.

The price of silkworms will increase by a quarter of an hour. Silkworms contain water. If they are kept for an additional quarter of an hour, the water will be reduced by a quarter of an hour. The silk industry company collects silkworms at nine o'clock for the same purpose of "reducing water", so the silkworms are harvested at the beginning.

Silkworms, the silkworm farmers over there had to squeeze forward with all their strength.

Those who squeezed forward brought baskets of silkworms, and the silkworm inspector immediately began to inspect and test the water. In a few minutes, the people who shook their heads received the money and squeezed out again sat on the stone steps along the street to catch their breath.

It's hard to tell whether the face is smiling or bitter.

It was "lucky" that the silkworms were sold for money, and the price of silkworms was not low, half a cent higher than last year.

But after looking at the money in his hand for a while, sighs came from those poor scorched faces again.

"It's spring, it's time to buy new clothes for the baby. It's four feet of cloth, and even buying cotton yarn costs two yuan."

"No, you will get money if you see the sky."

"Well, they still said they didn't want the half of the silk thread that Ngawang brought. Now it's worthless."

“But silkworms are valuable”

"That's because I don't have silk."

No need to be silky

The silk people who used to regard silk as their destiny never dreamed that the silk they reeled at home would no longer be collected by anyone, not even foreign merchants, nor silk factories, and even hawkers rarely collect silk anymore.

The main use of foot-operated wooden carts makes the silk body rough and broken, and the strips are uneven. However, factory silk has bright luster, fine and even strips, and is far superior in quality to earth silk, so no one collects earth silk.

All this, they work hard to feed silkworms, and country people who regard silkworms as more precious than their sons will not know. They only know that since their ancestors, their annual living expenses depend on the silk cocoons in the first half of the year and the harvest in the fields in the second half of the year.

They only saw people in the town wearing shiny "Flower Silk" and "Minghua Ge", but they didn't know that these were definitely not silk, but rayon made in Lianyungang.

"Have you not seen the ones hanging in the cloth shop? Threads, feather yarns, Wen Sang Ge and so on are all cheaper than cotton. You can buy cotton yarn for three yuan for Si Zhang cloth, but you can only buy blended fabrics for three yuan.

…”

"No, you haven't seen it. Even when the daughter of Lao Wang's family in Dongtou got married, the bright red Minghua Ge..."

Looking at the bustling scene of the Silk Industry Company collecting silk, Zhou Pengwei, who was on the second floor opposite the Silk Industry Company, smiled, took a box of matches and lit a cigarette, and then took a look at the bosses of several silk factories around him.

, they, like the Hangzhou Branch of China Silk Industry Company, use reeling machines manufactured by Liuhe, and everyone shares the risk in collecting and selling silkworms, and the silk collection is also done at a unified price.

"I don't understand why you, China, rely exclusively on overseas sales? So what kind of silk do our Chinese satin weaving factories use?"

"Yes, I don't understand either. Mr. Chen, you can definitely answer this question."

Others also said that these are new silk merchants who have entered the industry. They all looked at Zhou Pengwei. This Zhonghua Silk Industry Company is an enterprise of Liuhe Company. The scale of this silk factory is not large in Hangzhou, but it is harvesting.

Silkworms are no less impressive.

But at this moment, Zhou Pengwei remained silent and only smiled. Then Zhu Wushan, who was standing beside him, answered on his behalf:

"For silk products, they use the leftover second-rate goods we sell to various countries, but I'm afraid they will have to use less even this time in the future. All they use are rayon from Lianyungang. Our top-quality goods are exclusively

Relying on sales in France and the United States, the raw silk we produce now competes with Japanese silk in the markets of Lyon and New York, with advantages in quality and price."

"Weird thing, weird thing. It took me a long time to do this. How come last time the silk was used by foreigners? It would be better for us to use artificial silk..."

When several of them jumped up and shouted something strange, they looked at the faces of everyone present, one by one, hoping to find some words that agreed with them, but what surprised them even more was that there was nothing on these people's faces.

There was no expression of surprise. It seems that Chinese people don’t use Chinese silk. It’s natural.

At this moment, Zhou Pengwei, who had been silent for a while, spoke slowly:

"We have no choice but to mix in inferior silk and rayon. As everyone knows, we only have so much raw silk now, and we use too much for ourselves every year. Last year, the company came up with this rayon and cooperated with silk merchants from various provinces.

Produce blended silk fabrics. This newspaper mentioned that in the second half of last year, China's silk exports increased sharply. In fact, the wool comes from sheep. As the domestic sales of rayon increased, the silk factory's silk was sold abroad. Naturally, the export volume also increased.

It’s increased…”

Take a look at the people in front of you.

"When you purchased the machine, you signed a contract with the company and you must purchase silkworms uniformly. The purpose is to prevent the impact of rayon, which will cause the silk to be cheap and hurt farmers. The company set up silk sales offices in New York and Lyon to maintain sales. This is domestic
To be continued...