.The banking industry in the Ming Dynasty today is that the two giants each occupy half of the land. The one step ahead is "Huilianhao", which has made a series of financial tools and applied many new management ideas. With the financial support of Suzhou merchants, the semicolon has been opened all over the country and is recognized as a tycoon in the execution industry.

But the following, Rishenglong cannot be underestimated. Their creation was half a year later than Huilian, and there was no obvious innovation. Instead, they imitated the former in all aspects, and even the shopkeepers and heads in charge of operations were all made by the wealthy Huaiyang salt merchants with money.

Yes, the boss behind Rishenglong is the richest Huaiyang salt merchant. With his extremely strong financial resources and deep connections in the northern provinces, they are also out of control and dominate the north. Although the economic gap between the north and the south makes Rishenglong far inferior to Huilian No. 2 in terms of branch numbers and total deposits, they also have their own advantages, that is, they are in the same spirit as Shanxi merchants.

With the help of the Shanxi Gang, not only became the choice of the Qin Shang, Lu Shang and other northern merchant gangs, but also successfully won the city of Beijing!

At least in the eyes of the dignitaries in Beijing, Rishenglong has greater strength, and Shanxi merchants' consistent image of conservative and honesty will obviously make people feel more at ease to hand over the money to them; what is even more threatening is that the deep official connections of Shanxi merchants have given them greater political advantages. Once the two major banks have a conflict, it is not certain who will win.

This has always been a deep hidden danger for Huilianhao. Peng Xi, Pan Li and others have also tried to get through the joints and go through the road. Xiyi has also been favored by Beijing officials. However, over the years, the money has been spent, but the effect is not optimistic. Those old men who are used to being filial piety will not really take filial piety to heart. To restore their political disadvantages, they obviously cannot just rely on giving money stupidly.

In confusion, Peng Xi and others finally found Shen Mo's textbooks and carefully studied them. Only then did they realize that those simple words were actually the most profound and powerful ones wanted to last forever. If you want to be a truly powerful bank, you must first stick your roots to the people. When you are inseparable from the common people, you will have the confidence to speak. No matter who is in power in the court, you must be polite to you.

But until now, although the Huilian Account Exhibition is well-known, it is still a long way from the ordinary family. Because of cost considerations, when bank accounts are accepted and opened, the minimum standard is to deposit 100 taels at a time. If the family is busy, how can they save so much money? They may never have the chance to stand in front of the wooden fence of the bank account and fill out a deposit slip.

Moreover, the most common people who use the surname Bai Yi are copper coins and broken silver. If you spend one or two taels at a time, it will last for the best meal. The best price is only 2 taels. The minimum denomination of the bank bank is also 100 taels, which is not available at all. Therefore, this bank bank has been used for so many years, and can only be used for transaction settlement between the company and the big dealer. It is far from the daily life of the surname Bai Yi.

"So, the rise, decline, honor and disgrace of Huilian, really has nothing to do with ordinary people." After saying so much, Peng Xi felt a little exhausted, and smiled apologetically at Shen Mo. He took out an exquisite snuff bottle from his arms, shook it in his hand, unscrewed the lid, put it on his nose and sniffed it. He couldn't help but shivered, and then said, "Just earning money from rich people is really easy, but when others take care of us, it is also easy to deal with. So we have to let all the surnames come in, and those who win the hearts of the people will win the world. Although we are planning the world of the banking industry, we must also win the hearts of the people!"

"Yeah, that's great." Chen Jiji praised and signaled him to continue.

Seeing the encouragement of the adults, Peng Xi said happily: "Practicing small deposits is the solution. The people who don't have money to save money cannot solve it, but they have to spend money, right? There are seven things to do when opening the door, which one doesn't spend money? Since silver can be spent, why can't we spend our small deposits?"

"Can the surname Bai Yi recognize him?" The shopkeeper said worriedly: "What if it is considered waste paper like Daming Baochao?"

"That's what you said." Peng Xi said: "I have recognized the silver bills of one hundred or one thousand taels. Now what else can I worry about? Let's write on the bill "Full and full value, and repay at any time. "Depending on our Huilian number, will anyone not believe it?"

Everyone laughed, and the laughter was full of pride. Yes, we pay the tens of millions of taels of silver as soon as we see the ticket, and we are never vague. Who would think we are paying for the bill?

Everyone in the room gradually became excited, and someone shouted: "This is a good idea. As long as we have a lot of money, we will only recognize us from all over the country, Huilian and family, and Rishenglong will not be easy!"

Some people also say that although the money in their hands is small, it cannot resist the number of people. We use these silver notes to gather the scattered silver in their hands, gather sand into towers, and accumulate water into rivers. It is definitely a terrifying number. You don’t have to pay interest, so you just sit down at home.

Everyone was competing to speak, and the atmosphere became more and more enthusiastic, and they were discussing the benefits of small tickets loudly. They felt that this was a great thing and should start doing it.

Listening to everyone's words quietly, the smile on his face was a little elusive. In fact, today, the credit of Huilianhao Exhibition in various provinces in the Ming Dynasty has been established; and a mature anti-counterfeiting technology has been explored... First, the semi-colon has no right to issue tickets, and all the silver notes were made from Huilianhao headquarters in Suzhou City in an extremely confidential manner.

The process of making and making is painstakingly and can be seen from the materials alone: ​​the paper for the silver notes of Huilianhao is not rice paper, hemp paper, silk paper, and kraft paper, which is completely different from any paper on the market. It is not afraid of water, cannot be teared by hand, and the feel is extremely heavy, and you can feel it as soon as you touch it. It is said that it is made of more than 100 materials, and no one knows the formula: the same mysterious thing is the use of ink, which is different even in different positions of the same silver notes... It seems that Huilianhao, three words, will change from green to dark blue in the sunlight: and the handwriting indicating the amount will change from black to purple, and no one can figure out where its ingredients come from.

This year, a watermark was added. When you look straight, you can't see it. When you stand up and shine under the light, you can see a "silver, word, very magical. These difficult-to-break technologies are gathered together, and the perfect secret lock system has made the Huilian number's banknotes still not forged cases after being launched for several years.

On the other hand, because of the inability to know these anti-counterfeiting technologies, the banknotes issued cannot reach the level of Huilian number, so they have to take the path of secretly custody and anti-counterfeiting, such as using the letters of the issuer to prevent counterfeiting, as well as the secret codes that outsiders seem inexplicably. This way, it is difficult to forge them. However, this method cannot be promoted to small-scale tickets, because the characteristic of small-scale tickets is that they are massive, but will be circulated among the people. It is impossible for ordinary people to trade every time, and they have to use the bank account to verify the authenticity of the bank account; the bank account does not have that much manpower, and can be compared one by one.

The method of Huilian number to check anti-counterfeiting can be learned by the Bailian surname, so this problem does not exist. So once you have a small ticket, it is the time to truly distance yourself from Rishenglong.

In Shen Mo's view, in addition to bringing many benefits to Huilianhao, the more important thing is that it can effectively promote the development of Southeast industry and commerce, and also help its own regulation of the Southeast economy.

You should know that if this small amount of money can really be circulated in the Ming Dynasty, it will become a real banknote. Although it is promised to be actually redeemed, when the credit is established, the number of people who need to redeemed the banknotes will be only a small number of people who need to be redeemed after the credit is established.

The real money and silver waiting to be exchanged will sleep in Huilianhao's vault and are used by Huilianhao in the capital market. This means that Shen Shu will have much more wealth than his own. While chasing profits through investment, borrowing, purchasing securities exchange bonds, etc., it can also easily stimulate the prosperity of an industry through changes in investment directions, and can easily push an industry into the abyss. Because in an era when the commodity economy is becoming more and more prosperous, the scale of industry and commerce will be farther than its own accumulation, and the demand for financial lending will be unprecedented. As the master of huge capital, the control and regulation ability of the national economy is so huge that even the government government lacks control can't compare.

If silently establishing research institutes and engineering schools is to improve production tools; establishing innovative mechanisms and introducing foreign talents are to promote the development of productivity; then his efforts in finance are to promote this process, so that society has enough capital to digest new technologies and tools, and quickly transform them into wealth.

After all, if you want to think about your personal ideas, you will be the pursuit of the whole society, and nothing is as convincing as real money.

It took a whole day to silence and the shopkeepers of Huilian Number to finalize several details, such as how much is the total bank? Should I insist on the bank equal to the bank deposit, or how many times it will be expanded? What are the procedures for collection and exchange? How to make the Baiyi surname accept it, etc. These are all very complicated issues, and the discussion has not been completed until late at night.

Considering the schedule, Chen Si fought with everyone at night and even discussed eating. It was not until dawn the next day that the first draft was drafted. Seeing that everyone was exhausted, Chen Si waved his hand and let them go back to sleep, and agreed to discuss it the next day.

The silence was finally tired. He looked at the Western clock in the corner. He had an hour left before he dated Old Ouyang, so he didn't wash it anymore. He quickly lay on the bed with his clothes and prepared to take a nap. Before going to bed, he didn't forget to tell the guards that he must wake up on time. After a while, his snoring started... "

I don’t know how long I slept, but I felt silent that someone was whispering outside, as if someone didn’t let him wake him up, and someone insisted on him, so I forced myself to sit up. After half an hour of looking at the watch, I couldn’t help but say dissatisfiedly: “It’s true, I just fell asleep for a while and I still had to make noise…”

There was no sound outside immediately, but I knew that no one would disturb me if there was nothing big, so I rubbed my sore temples and said, "What's the matter?"

The outsider did not answer immediately. He was about to ask for a second time before he said to him: "Sir, Hangzhou is urgently reported!"

Silence suddenly lost all of sleep and said in a deep voice: "Pick it in."

The door opened, and the messenger walked in, holding a bamboo tube high and kneeling in front of him.

Silently took it, tore open the seal and paint, pulled out the letter paper, browse it quickly, and the face was blue and red, and punched the edge of the bed and said, "Check it out and prepare to go back to Hangzhou!"

Sanchi walked in after hearing the sound. Looking at the adult's face, he knew that something was happening. He didn't ask the reason, but only asked whether he needed to notify people from Suzhou.

"Let Gui Youguang come alone." Silently pondered: "And Zheng Kaiyang, tell him that I was leaving soon, and if he wanted to go back with me, he would come over, otherwise he would ask him to come from wherever he came."

After receiving the order from Sanchi, the people below began to clean up. In fact, there was nothing to clean up. There was only some books and gifts I received. I quickly packed up and could be released at any time.

Gui Youguang also rushed over and said in surprise: "Isn't there two days left? Why did you go back early?"

"The plan cannot keep up with the changes." Silent lowered his voice: "Zhang Nie is seriously injured, he is almost out of reach..."

"Ah" Gui Youguang said: "But that Governor of Guangdong who lost to Guangdong?"

"It would be better if it wasn't him," he took a deep breath and said, "I'm having fun now, I have to go back and deal with the situation quickly."

Gui Youguang knew the seriousness of the situation and quickly said, "That's the most important thing." Without waiting for silent instructions, he said, "Sir, let's go now, Lord Ouyang and Mr. Peng, I'll explain it."

"Very good." Nodded silently, "The next focus is to try my system of introducing talents in Suzhou. You must be cautious and careful. If you go wrong at the beginning and want to come forward in the future, the trouble will be great."

"Yes." Gui Youguang walked out in silence and replied softly: "Don't worry, sir, I'm here."

As he spoke, he was silent and got into an inconspicuous carriage. He still couldn't see the figure of the man. He couldn't help but sighed in disappointment: "I'm leaving, you don't have to send it away, so as to save too much noise."

Gui Youguang responded softly with a smile on the corner of his mouth, watching the carriage run towards the official boat dock.

When we arrived at the dock, the ship was ready. After looking back in silence, there was still no one, so we had to step onto the boat and enter the cabin.

Unexpectedly, as soon as I entered, I saw two people sitting in the cabin and drinking in a big way. Chen Si was stunned at first. When he saw one of them clearly, he was happy and said, "Why are you here?"

The man with his back turned his head and laughed, "Didn't you invite me? Do you want to chase me down again?

"Looking at his old face like a shrimp and three wisps of goat beard, isn't it Zheng Ruozeng who couldn't wait for in silence?

"Haha, sir, don't make fun of me." He smiled silently and happily, then looked at a middle-aged man sitting opposite Zheng Ruozeng, and bowed, "What is this sir?" He saw that the man looked at him forty or fifty years old, wearing a dark blue Taoist robe, and had a strange appearance, and was fairy-like and sensual, and he looked like an ordinary person.

The man was not as arrogant as Zheng Ruozeng, and stood up and saluted, "I am the name Wang Yin, the name is Zhongfang."

Chen Shun said in surprise: "But the famous Wang Shiyue?"

"It's just me." The man smiled. Speaking of Wang Yin, he was a famous master in the southeast area. He never studied Confucius and Mencius for his life, but he loved the yin and yang of Guigu, was familiar with formations and was good at plotting. He was a fellow villager of Hu Zongxian. He entered the Mu Governor's office very early. He planned all kinds of battles, and he never made any plans and made great contributions to the victory of fighting against the hukou. But two years ago, he refused to get sick, left Hu Zongxian, lived in seclusion in Huangshan, and refused to come out of the mountain without being summoned.

Later, Hu Zongxian was very sad. Once when he returned home, he went to Huangshan to see him and asked: Why did you abandon me? Do you think I am not a person who shares wealth and honor? Wang Yin replied: "I left for your own good. If I stayed there, I would be afraid that I would instigate you to go on the road of no return." After hearing this, Hu Zongxian pondered and stayed on Huangshan for a night, and then went down the mountain. From then on, he did not ask him to come out.

Of course, only when we know such a confidential conversation, we only know that the silence was heard by Hu Zongxian. When we wanted to invite friends, we didn’t dare to bother them at all, for fear of humiliation, but we didn’t expect the other party to arrive at him.

Of course, for the sake of caution, Chen Si decided to start the boat and then talked, ordered people to change into the wine and dishes, and joined the banquet and said, "The two wise men gathered together. I am really happy that I wish you a drink."

Wang Yin smiled and held the wine, but did not drink it. Instead, he looked at Zheng Ruozeng, who coughed lightly and said, "Actually, Mr. Shi Yue came to see me. I also gave Mr. Shi Yue to read the book I gave to him. He was also very interested, so he followed me to meet him."

Nodding silently and waiting for the two of them to come to the next chapter, Wang Yin looked at the changing scenery outside the window and whispered: "I will just ask you, can the above things be born among us?"

"Yes", silent and focused, saying: "But this road is very difficult and dangerous, even in that country, there have been repeated several times, even backwards, and several battles have been fought and many people have died, but it is still not successful."

Wang Yin stopped talking, that was very obvious. Isn’t this the end of cheating?

But I heard the silence word by word: "But I believe that once a fire ignites in people's hearts, it will never be extinguished, and will eventually achieve a complete victory!"

"Where does your confidence come from sir?" Wang Yin asked softly.

"No one wants to be a dog for the rest of his life." He looked at Zheng Ruozeng silently and said, "Especially after realizing that he can be a human being..."

………………………………segmentation………………………………
Chapter completed!