The concept of a bank has long appeared in Zhu Biao's mind. He needs money. To complete the S-level tasks in the taskbar, he needs a large amount of money.
Maybe in this world, he would not be able to wait for the day when the imperial court issues banknotes in his lifetime, but while he was alive, it would definitely be possible for the bank run by his family to issue gold dollar certificates, silver dollar certificates, etc.
Because the versatility of banknotes in space and time is almost equal to that of checks or currencies. Gold dollar coupons, silver dollar coupons, etc., are considered small-amount banknotes. Why can’t they be issued in one round? The entanglement between the two
The only thing is that one must actually hit the hair, and the other can increase the hair that is weak.
Moreover, in Zhu Biao’s mind, banks preceded banks and banks first. For example, why were all the banks and banks all over China in the late Qing Dynasty and the early Republic of China squeezed by banks and collapsed one after another? It cannot all be attributed to the external strength and internal weakness.
In this regard, there is definitely some connotation.
Bank deposits, bank accounts, and bank accounts are destroyed. This is also a historical fact.
Of course, Zhu Biao couldn't tell the specific reason. After all, he didn't learn this business. But he knew that since in the original historical time and space, China's local banks and banks prospered for a while, they all fell at the feet of the banks.
, it is affected by inherent social and political reasons, but there are definitely deficiencies in its own system.
Anyway, in Zhu Biao's perception, banks are extremely profitable, and whether they are state-owned or private banks, they are definitely a good career path.
Banks can provide development opportunities for businesses, cut off usury, directly promote the development of industry and commerce, and drive the development and reform of the entire market...
With little financial knowledge in his mind, Zhu Biao easily connected all these things. Then, a simple understanding appeared in his mind: the bank is good, the bank is not good, the bank account is not good, and the system is defective.
So, he issued the order to establish the Liu Family Bank with the Liu Family as the brand name and the General’s Office as the official representative.
It snows in June, what a huge injustice.
If you hear Zhu Biao's inner words, Chinese banks and bank accounts will cry.
Take the two most representative financial institutions, Shanxi Merchants Bank and Zheshang Bank, which were born and raised in China, as examples:
Bank accounts are for playing with tickets, and banks are for playing with money. In this regard, their development trajectory is quite consistent with that of their European counterparts.
In Europe, whether it was Venice and Genoa in the early days, or the Netherlands and Britain later, finance and trade were inseparable Siamese twins. They were born together, promoted each other, and borrowed each other's strength.
The earliest financial institutions in Europe also originated from business names. In each business activity, business demand for financial services increased day by day, which eventually led to the birth of professional financial service institutions. The financial industry has also been trading with business since then.
Separation. The development of bank accounts and banks in China is nothing like this. Both sides started at the same point.
China's ticket industry originated from Shanxi, rather than the economically developed and convenient shipping east coast, which is indeed strange. But if you think about it carefully, it makes sense.
Shanxi merchants have been the backbone of Chinese merchant gangs for 500 years during the Ming and Qing Dynasties. Their courage to travel north and south, their tenacity to endure hardships, and the advantages brought by being traitors to lead the party have made their strength blossom and grow, and they have become a leader in Chinese business.
Stand out on the map.
At the end of the Ming Dynasty and the beginning of the Qing Dynasty, eight Shanxi businessmen, including Fan Yongdou, Wang Dengku, Jin Liangyu, Wang Dayu, Liang Jiabin, Tian Shenglan, Zhai Tang, and Huang Yunfa, secretly transported military supplies and intelligence to the Manchu and Qing Dynasties in the name of doing business outside the Great Wall.
It can be said that they were the famous traitor families of that era who provided food to the Manchus during the most difficult time. After the Manchus took control of the Central Plains, the eight Shanxi merchants naturally won extremely preferential treatment. In the early years of Shunzhi, the Qing government was about to
Fan Yongdou, Wang Dengku, Jin Liangyu, Wang Dayu, Liang Jiabin, Tian Shenglan, Zhai Tang, and Huang Yunfa were eight outstanding merchants from Shanxi who were summoned to the capital. They were given banquet halls, naturalized by the Ministry of Internal Affairs, and named imperial merchants.
With these eight imperial merchants as pioneers, the development of Shanxi merchants during the Qing Dynasty took even greater strides. They traveled all over the world and soon developed into two major trading systems in the north and south in the early years of Kangxi - the Grain Ship Gang and the Camel Gang.
The former traveled to the river ports of various provinces, while the latter traveled thousands of miles, reaching as far as Kyaktu, Mongolia, becoming China's largest trader of tea, silk, cloth, grain, iron and other commodities, and also established China's earliest and largest trading network.
Different from the path of the rise of Jewish financial families in Europe, Shanxi Merchants' bill exchange network was born out of a huge domestic and international trade network spanning thousands of miles and employing hundreds of thousands of people. The Jewish financial network originated from money exchange, deposit lending, and bills.
Transactions and other pure currency businesses. What the two have in common is the scale effect and fast and convenient advantages formed by the strong network radiation capabilities. Once the network advantage is established, it will be almost difficult for subsequent competitors to get involved. This is also what Zhejiang merchants later learned
The main reason why banks have never been able to surpass Shanxi Merchant Bank in the field of remote exchange business.
Zhejiang merchants lacked a large enough network, which resulted in their banks being generally small in scale, and ultimately it was difficult to form a huge financial empire similar to that of the European Jewish financial industry.
Moreover, because the trade network of Shanxi merchants was too large, in the era of underdeveloped transportation, it often took a year for funds to be turned over, which seriously restricted the expansion and development of merchants' businesses. At the same time, long-distance transportation of cash took too long and the distance was long.
It is also not safe, so objectively there is a need for a convenient remote fund mobilization method. This is the core business of Shanxi Merchants Bank: remote exchange.
The exchange network of banknotes has formed a huge financial network advantage. On this basis, it was hoped to develop into a "financial highway system" similar to the one established by European Jewish financiers in the West, thereby monopolizing credit and capital circulation.
aorta.
However, its headquarters is located in Shanxi, which has always lacked geographical advantages. It has not established its own headquarters in Jiangnan, the domestic economic center. This has kept the decision-makers away from the center of trade and financial services with the greatest growth potential, and has also lost the opportunity to dominate emerging businesses.
Opportunities for money exchange transactions and other financial markets; and due to China's special social conditions, there is no soil and space to cultivate the growth of war bonds and national bonds. The bank only limits its business to the field of exchange and remains self-contained. In the end, it can only be
Foreign banks and government-run banks gradually eroded the exchange industry, which was the root of their existence.
The financial market, especially the trading market for various treasury bonds and various bills that forms the core of national financing. Because of China's powerful feudal imperial system, both banknotes and banks failed to complete this important historical mission.
and turning points.
Falling behind is equal to death. In the original historical time and space, Shanxi bank accounts and Zhejiang banks that were prosperous for a while closed down one after another. In the end, banks, as outsiders, occupied the entire market in China. This can not but be said to be one of the many tragedies in China in the late Qing Dynasty.
But these are things that Zhu Biao, a financial layman, cannot see. What he can see is that the bank's system is indeed stronger than that of bank accounts and banks, and has more functions than bank accounts and banks. It can save money.
You can also make loans and redeem bills for discounts. You can also issue banknotes [banknotes]. It completely takes into account the advantages of both banks and banknotes.
In a feudal country, everything is subject to the will of the superior. No matter how unfortunate the bank and ticket number are in real history, the decision Zhu Biao made will never change again.
This new thing, the bank, has already started in the land of Hedong.
…
…
In September, the arena in Beihan becomes even more lively.
Because a silver bell appeared in the hands of Liu Yanping, the current leader of the Seventh Sword Sect, Xiyan Yijian. As a result, the Seventh Sword Sect, which was between third-rate and second-rate in strength, was immediately wiped out...
The silver bell suddenly appeared in Linzhou, leaving dozens of corpses in a forest, and then became mysterious again. But more rumors spread!
The signs of a chaos in the world have emerged, and it is about to cause a huge storm. And more importantly, Jianghu people from Zhongshan, Wei and even Zhao have all appeared in the Northern Han Dynasty, and Shuyuan in the Northern Han Dynasty has always had an attitude.
Extremely eager.
Things are still calm here in Hedong. Mu Xuehua sent a letter saying that he has become a deacon of the inner sect of the Sword Sect. Among the original deacons, such as Long Xiao and Lan Ying, they were all promoted to elders of the inner sect. Lu Yu, the senior brother who helped him with the sword, was also promoted to the inner sect.
Deacon, but not among the top ten.
"Brother, brother, please persuade mother and take me to see Qianpo..."
His little face looked sad, without the usual joy at all. If he hadn't been really old, he might still have behaved and rolled around to show his unwillingness and show that he was making a fuss.
"Then what do you want me to do? Are you twenty years old?" Zhu Biao looked at his little sister helplessly.
He loves this sister very much. He hopes that she can live happily like this forever. But men should marry when they are young and women should marry when they are young. This is a human necessity.
"I also want you to find a husband. But our family is in an awkward situation...the choices are really narrow. Mom is also anxious." He winked at the two wives who were playing checkers on the couch. Song Yingzhu pulled her younger sister.
Sit there.
"But the ones she introduced...are really...not attractive to me!"
He pouted his lips and said something, then lay down in the ears of Song Yingzhu and Shan Yuping's two sisters-in-law, and began to murmur in the ears. Soon after, Song and Shan burst out laughing.
"Really, I won't lie to you." There was also a coquettish complaint from the little girl in the middle.
The face that was still bitter just now suddenly became bright and bright. Zhu Biao shook his head helplessly. He was still a young man who didn't know how to feel sad. Although this little girl is sensible, well-behaved and smart, there is one thing that is difficult to say, that is, she is a little careless and doesn't care about anything.
Don't take it to heart.
This is not a very good character for a girl!
Because of this, Zhu Biao set a 'standard' for choosing a sister-in-law early on: first, a person should be honest, and too many tricks will not succeed; second, the family background is mediocre, otherwise the younger sister will marry him, and the rules will not be mentioned, and he will be a bed-warming maid.
I don’t say anything about my concubine, just my father, mother, uncle, brothers and sisters of the same generation, a whole group of people are enough to bother this heartless girl; thirdly, I value love and righteousness, or travel in the world. I wish you the best.
No one is sure where the family and the court will go in the end. It is best to do this so as not to embarrass the future.
But where can such a ‘sister-in-law’ be found?
Zhu Biao had thought about Mu Xuehua in his heart, but... I won't talk about this anymore. After that, there was no one left in the center.
Zhu's mother asked her about this issue several times, but Zhu Biao didn't express an opinion, just because he really couldn't think of anyone. And Zhu's mother herself once had a faint hint of the idea of a cousin from the Liu family, and they wanted to kiss her!
But she stopped talking about it more than a year ago. The girl was successful in martial arts. Zhiyuan and Zhiming were often beaten during martial arts exercises, and they ran away with their heads in their hands. In the end, they hid when they saw her.
In fact, Zhu Biao still has a candidate in mind that he cannot name - Dou Bing.
This is his absolute confidant, and his martial arts is also very good. If he marries his younger sister, Ding Ran will respect her to the sky. And since he has no father, mother, or relatives, there will be no one to restrain his younger sister even if he gets married.
.
But the two of them stopped calling. Dou Bing was very obedient and did not dare to have any undue thoughts about his little sister. But after he got married, he and Zhou Yunfei found their targets, and their eyes were completely fixed on each other.
Nolan and Shulan. I don’t know if the two of them were assigned before, and one of them would be paired with the other.
Zhu Biao was even more unable to say it.
Of course, as Zhu Biao's own power increases and his family status rises, Dou Bing becomes a servant. Marrying his eldest lady will also be a big laugh for the whole country. Public opinion can crush people to death, and Zhu Biao also has scruples, so
My thoughts are getting lighter and lighter.
"Commander, Mr. Liang needs to see you for something!"
"Let him go to the small hall later. I'll go change my clothes."
Liang Jin? He doesn’t seem to be married either. Is he old enough...
In the border of Hedong, the appearance of Liu's Bank was like a huge gossip falling on a group of idle and boring people, and it instantly caused a sensation throughout the territory.
Liu's Bank, which combined the functions of a bank and a bank, added many innovations such as loans and mortgages, and almost replicated all the common functions of previous banks, shocked the entire Hedong officialdom and shopping malls when it appeared.
All dynasties have vigorously suppressed the private loan sharking industry in the private sector, but whether it is effective or not depends on the benevolent and the wise. As for banks, there is nothing else to say about it, but it has a significant effect in suppressing loan sharking.
Its interest rate is too low, the annual interest rate is only 5%, which is more than ten times lower than usurious loans.
Entering mid-to-late September, the bank has been established since then, regardless of anything else, and this is worthy of praise.
Of course, the dark side of society cannot be eliminated so easily. Otherwise, there would not be so many people selling their sons and daughters and becoming servants for thousands of years.
But at least relatively generally speaking, the emergence of Liu's Bank has almost dealt a devastating blow to the loan sharking industry in Hedong. Who would let go of low-interest loans from banks with obvious "government" backgrounds and borrow loan sharks at high interest rates? Do you think you are too embarrassed to do so?
Why is the debt level not high enough?
Moreover, with the establishment of Liu's Bank, the first business sold turned out to be Hedong Army bonds worth five million taels, which shocked countless people!
Is this Zhu Biao borrowing money from the people of the world?! Has there ever been such a weird thing in the ages?
Ruyifang, south of the county city.
There is a house not far from Fangmen. Ever since the Liu family moved to Hedong, Liu Zhengqing's whole family has lived here.
The house was renovated and was originally the residence of a wealthy businessman. After the war broke out, the wealthy businessman moved to the mainland. The house has been vacant, with only a dozen or so people remaining. After the Liu family bought it, the wealthy businessman was considered a burden.
The wall tiles and thresholds are all new, but the decoration and decoration are not at all luxurious and luxurious. Compared with the Liu family's old house in Qingxiang City, it is a bit inferior.
However, the status is different now. The Liu family is equivalent to relatives in Hedong. They are too eye-catching, so it is better to be more simple at this time!
In the study, Liu Zhengqing was discussing matters with his eldest son Liu Zhi. As the heads of the bank, the father and son are now under great pressure.
The Liu family and Zhu Biao are now completely tied together, that is, Liu Zhengqi, Liu Zhengchu is still an official, and the Liu family has also been seen to be within Zhu Biao's sphere of influence. So what Zhu Biao requires is what the Liu family must complete. Although it is very difficult
!
The Liu Family Bank, which has six million silver dollars, is now unable to make ends meet. The daily deposits and daily disbursements of loans are simply incomparable. It has not been a month, and there are only about 3.2 million of the six million silver dollars left.
.
Once branches in various counties are open for business, a number of people seeking loans and mortgages will come to their doors every day.
Naturally, these crab-eaters cannot be the ones hired by the Liu family, but they have noticed that there are advantages to be taken advantage of. There are smart people in the world, some of them have bright eyes!
The bigger the business, the more merchants can imagine what kind of effects a bank can have! Its birth spread a large gold and silver network across the entire Hedong territory.
Therefore, when people did not dare to deposit their remaining money in banks, some merchants got the most urgently needed items for their businesses - funds from banks. Some poor people also borrowed money from banks to allow their families to start over.
Or money recovered from loan sharks.
The former is not very big, and orders of tens of thousands of taels are rare. The latter is even more densely packed with small amounts, mostly a few taels of silver, and more than a dozen silver dollars. However, if you accumulate a little, you will make a lot, and you can save up in less than a month.
It dropped by half, how could Liu Zhengqing and his son not feel anxious.
Six million silver dollars, an astronomical number that could not be worth even one-tenth if the entire Liu family was sold. It shrunk to 3.2 million in less than a month, even if his eldest nephew had a mint to supply it.
, the money is not enough to spend like this.
Liu Zhengqing knew that such a high speed would not last forever, but he was afraid of Hedong and that his nephew Zhu Biao would not have the funds to support it until the end... In that case, the strength of the Hedong Army would be seriously damaged.
Therefore, as the amount of bank savings gradually decreased, Liu Zhengqing's inner pressure gradually increased. Up to now, he could not leave his house. He only kept an eye on every news from the bank, and the accountant at home also
As I got tired, I spent day and night flipping the abacus beads, calculating, and checking numbers one after another...
