Chapter four hundred and ninth suddenly enlightened
Under such circumstances, it was certainly impossible for Ma Shouxin to agree to Wu Shigong immediately, and he was not the person in the Ma family who could make the decision, so he could only give Wu Shigong a few vague words and then change the topic.
After a few more pleasantries, Ma Shouxin left. Wu Shigong didn't know how much impact his words had on Ma Shouxin. He only felt that he had now become a combination of military attache, civil servant, diplomat and businessman.
I will try my best to attract investment if I have the chance. If I continue like this, I will really become a workaholic!
It wasn't until Tao Xin came back happily that Wu Shigong left the city. Seeing Tao Xin with a flowery face all the time, Wu Shigong couldn't help but feel angry again: "Xiao Xinzi, how much money did you spend on buying gifts this time?"
"Seventy-three taels, I bought a pair of pendants and bracelets..."
"Stop, stop, stop!" Wu Shigong immediately stopped Tao Xin from reporting his account, and he became even more angry, "You are quite good at spending money, right? After so many years, I have never seen you buy anything for me, master.
What a decent gift! Huh! Anyway, you are spending your own money, and I didn’t agree to marry Xiaojie to you."
"How can that be done?" Tao Xin blurted out immediately, "My mother said she had prepared the betrothal gift."
"You brat!" Wu Shigong's face couldn't hold back any longer. He smiled and raised the riding crop in his hand as if to hit Tao Xin. Tao Xin also knew that he had said the wrong thing, so he pulled the horse's head away with a smile.
, causing a burst of laughter from the surrounding guards.
Seeing Wu Shigong, Tao Xin was no longer angry. He returned to Wu Shigong and said with a flattering smile: "Master, I will return the twenty-odd taels of silver to you first!"
"Don't worry! Let's leave it with you first!" Wu Shigong said with a smile, "We will pay it back together when we return to Runing. Anyway, it's not without interest. I borrowed one hundred taels and paid back two hundred taels!"
"Master, you are too cruel!" Tao Xin exclaimed exaggeratedly, and then said with a charming smile: "Then disciple, can you use the food stamps around you to discount them first?"
"Forget it! Forget it!" Wu Shigong couldn't do anything about Tao Xin, a scoundrel like him, and said angrily: "I don't know who you learned this from. But you, a brat, have to learn to live a good life!
Hide the food stamps well, and it's best to deposit them in a bank. It's safe and you can earn some interest."
"Can the bank deposit food stamps? Can you also earn interest? Master, why didn't I know?" Tao Xin scratched the back of his head with his hand, looking confused.
"Why not?" Wu Shigong was not sure at that moment.
When Sihai Bank was established at that time, Wu Shigong regarded the bank as a modern bank, so he believed that it was only natural for the bank to attract deposits from retail investors and provide interest on deposits.
However, because the current Wu Shigong is only responsible for the general development of the general direction, the specific affairs of Sihai Bank at that time were also implemented by Yuan Xingshan and other senior officials of the Runing Army. Wu Shigong was completely decentralized in the management of the inner house property, so he
On the contrary, I didn’t know that banks in the Ming Dynasty did not accept retail savings, and there was no interest on savings and they even had to pay silver custody fees.
Of course, this is also related to the social situation of the Ming Dynasty at that time. The polarization between the rich and the poor in the Ming Dynasty was quite serious. Poor people had no money left at all. But those who were rich and powerful were willing to make loan sharks with high interest rates;
Those who have money but no power are willing to melt their silver into big silver ingots and bury big silver balls in their homes. This is because the banks in the Ming Dynasty were all opened by people with backgrounds, and their credibility is the same. As long as there is a chance,
They may have swallowed all the money of those who have money but no power.
Therefore, the banks of the Ming Dynasty did not have any market for attracting deposits. Only the businessmen who moved around had to do some business of issuing banknotes for the convenience of carrying. Of course, there was another market for the banknote business, and the bribery of officials was
It's a lot more convenient. A few banknotes are much more deceptive than a few boxes of silver.
But there is something different here with the Runing Army. At least in the area controlled by the Runing Army. Because of Wu Shigong's long-term trustworthiness, the credibility of Sihai Commercial Bank and Sihai Bank is quite high, and the long-term high military and labor salaries of the Runing Army are also
As a result, a considerable number of military families and craftsman families in the Runing Army have become the middle class, and they also have surplus money in their hands, so now Sihai Bank has the conditions to start savings business.
So after Wu Shigong learned more about the surrounding guards and found out that Sihai Bank did not carry out savings business, he made a plan.
Should your Runing army be paid through Sihai Bank in the future? When those soldiers and craftsmen receive their pay, let the guys from Sihai Bank mobilize those soldiers and craftsmen to deposit the remaining money that they cannot use temporarily into Sihai Bank, and Sihai Bank
Will the bank also give them a certain amount of interest on savings? Can this cultivate a mature new market for savings and loans?
Wu Shigong does not have a complete understanding of the modern financial industry, but he knows that the methods used in the modern financial industry are definitely good methods that have been practiced for a long time. Then he will try them out after returning. As for the formulation of specific regulations, he will let
Yuan Xingshan and the others should just worry about it.
Wu Shigong made an estimate like this. If his Sihai Commercial Bank can accumulate more than 3,000 taels of silver every month, and his Runing Army saves more and squeezes out some silver, then he will not need to borrow money from outside, as long as he pays
If you maintain the interest on the Sihai Bank loan for more than half a year, you can resolve this financial crisis on your own.
Of course, there is another problem. That is the fixed exchange of food stamps and silver. Now the food stamps of the Runing Army can be said to be a grain-standard system, which follows the market price of food. The exchange of food stamps and silver fluctuates greatly. If
To carry out savings business, food stamps must also implement the silver standard. Otherwise, it will be easy for businessmen to take advantage of the loopholes.
However, there are still two problems with the function of food stamps: the problem of food quota supply in the Runing Army-controlled areas and the problem of subsidies to members of the Runing Army. But those are all technical problems. Compared with the solution to the financial crisis,
Those are just some minor issues.
However, as soon as this fixed thinking was broken, Wu Shigong felt a sudden enlightenment. A broad road suddenly appeared in front of his eyes.
Is it possible to establish a stock exchange? Allow the free flow of stocks in industries within the area under one's control? Also add a new source of income from stock transaction taxes to one's Runing Army?
Is it necessary to introduce the insurance industry in order to prevent the financial turmoil of the Runing Army caused by the Sihai Commercial Bank and Sihai Bank robbery?
Is it necessary to introduce agricultural product futures trading in order to prevent the impact of disasters on farmers?
Or even in order to open up new territory and reduce the pressure of raising an army, how about imitating the model of the East India Company in the West and establishing a joint-stock armed reclamation, military and commercial integration group?
Of course, in order to cultivate these new industries, the Runing Army may not gain much at the beginning, and may even need to pay some cultivation costs. The Runing Army cannot let speculation become too great to prevent an economic crisis from suddenly destroying these new industries.
Industry in infancy.
But as long as you persist, those are cows that can give birth to golden cows! As for the specific implementation issues, let Yuan Xingshan and the others consider it. As for what unexpected situations will occur during the implementation? At most, it will be overthrown and restarted, and it will never be better than this.
The next time Runing Army almost went bankrupt, something worse would happen.
Wu Shigong didn't know that his fantastic ideas would make Runing a world-famous financial capital. It wasn't until more than eighty years later that Runing was gradually replaced by another financial capital, Songjiang Prefecture.
catch up.
In the process of implementation, it also created a group of local wealthy people in Runing. One of the first people to eat crabs was Wu Shigong’s old acquaintance, Madam Li’s mother. Her brothel chain store was also among the first to successfully trade in the stock market.
The company went public and gradually developed into a well-known entertainment giant in the Far East.
However, when Mother Li asked Wu Shigong, one of the shareholders, to donate a name to his listed entertainment company, Wu Shigong's bad taste arose again. He gave it a very foreign name, but no one could understand it at the time - Hollywood. (