Of course, Liu Ba didn't feel confident before he got started. After he got started, he realized that his bank needed to be linked to Taishan Bank, and the family had already agreed to Chen Xi's request, and 70% of the money had been transferred to the main bank by Chen Xi.
It is said that without this restriction, Chen Xi would not and would not dare to open a bank to Cao Cao. After all, he would have to bear credit risks, and after taking 70% of the cash, the credit risks he took were already very small.
After all, the distance between Yongliang Bank and Taishan Main Bank and the time required for the round trip are enough for Chen Xi to tear down the east wall to repair the west wall. Basically, there will be no large-scale runs. There is no credit crisis now.
What's more, as the copper from Luzon gradually moved to Donglai, and then to Fenggao, the world commercial center established by Chen Xi, and then under Wang Xiu's supervision, money flowed into the hands of the people of the aristocratic families, gradually it could be completely Eliminate possible credit problems.
To be honest, if it were not for the private engraving of the Hou Yinyi clan, Chen Xi would not dare to use his own seal as the basis for credit currency. In addition, Chen Xi made these in triplicate and compared them one by one in front of all the people who exchanged the bills. This kind of formality is what makes families feel most at ease.
This is not something that can be explained by just using a clever name to demolish the east wall to make up for the west. The construction of this system started from establishing merchants, unified management of business, formulating rules, and supervising the business system, and then gradually became independent.
It is precisely because Chen Xi sent people to supervise the transactions between wealthy merchants to ensure the internal stability of the chamber of commerce, and let the supervisors act as intermediaries to ensure that there were countless large transactions in a year, which not only promoted the prosperity of business, but also made the wealthy merchants understand the big business. The importance of intermediaries in a transaction.
Because no one wants to carry more than ten tons of copper coins to carry out transactions, but deposit the money with a middleman and then pick up the goods. Later, with the ability of Chen Xi, the middleman, the money can be instantly traded to the payee.
After all, escorting hundreds of millions of money through official channels on Liu Bei's side cannot guarantee absolute safety, let alone the area where Cao Cao and others are. If they are robbed, they will cry. But if you give the money to Chen Xi, then Chen Xi will directly transfer it to the account and collect it. The county where the payor is located allocates money directly from the treasury.
Of course, this is also because the power has just been established and there are no mountains yet. Only this method of the central government collecting money and the county signing the orders can be accepted. However, this method of transaction is indeed very fast and very safe, so all businessmen hope that Join this trading method.
Chen Xi's original intention at that time was to let the powerful people of the family taste the sweetness and then join this trading method. So after other businessmen made this request, Chen Xi collected a membership fee and agreed to their participation. Naturally, Chen Xi's business The information is more complete.
Others cannot see the complete information on the world's business. Even the three managers of the Chamber of Commerce cannot fully see the information related to the people's livelihood and business in the world. However, with the entry of the world's wealthy businessmen, Chen Xi has acquired business information from all over the world. .
Chen Xike is different from those businessmen who are looking for a new home. Last year, Chen Xi was already controlling everything behind the scenes. This is why Chen Xi can guarantee that he will not lose money.
When someone wants something, Chen Xi orders someone to check and buy it at a low price, and then sells it in an instant. As soon as it comes in and out, the money is in hand. Even if the profit is only 5 cents, the profit of 100 million yuan is still millions.
By the way, it is precisely because of Chen Xi's approach that Feng Gao claims to be able to buy everything in the world and sell what you have as quickly as possible. Because he has information about business transactions in the world, Chen Xi basically wants everything.
At the beginning, Chen Xi had more than a hundred vests specially used to purchase and sell various things. Of course, Feng Gao officials also sold some information.
For example, who wants this batch of goods and at what price? Or what do I want and who has it? The asking price is not high. One piece is basically only one to ten gold.
However, many of these are the vest information posted by Chen Xi, but there is no shortage of people who come to spend money to buy information. Chen Xi's vests are collected and sold in various ways.
Unfortunately, the good times ended in the second half of last year, and a group of businessmen who were in a hurry began to do this, and more and more of them started doing this.
Precisely because of the intervention of so many Fenggao officials, in the end businessmen in Fenggao became accustomed to the presence of officials, because the officials could guarantee that they would not be cheated, and Chen Xi hated such guys who did not follow the rules and even crushed them.
A few guys died to establish their authority.
Therefore, businessmen and business-backed families still recognized the credibility of official rulings. Then one day, Chen Xi suddenly felt that running around as a middleman every day was too troublesome, and there were too many people to support. Let's find another way.
This method is the so-called banker certificate, which is why the family has never suspected it. They have always regarded the exchange certificate as the previous middleman certificate, and this new certificate can barely be regarded as witnessed by Chen Xi. After all, Chen Xi personally stamped the seal.
, in triplicate.
But unlike the middleman, this certificate is paper after all and can be carried with you at any time. After all, no matter how good your relationship is with the middleman, you cannot carry the middleman with you.
Everyone is lazy. Although it was Chen Xi who indulged himself, I don’t know who was the first to use the exchange certificate to trade. After that, all the aristocratic families and wealthy businessmen followed suit. This thing is much easier than running around with money, so
Big deals are happening more and more.
By the way, when this trading method first appeared, Chen Xi even hypocritically warned the aristocratic families and those big businessmen not to do this, as this would make them a little dizzy when the officials gave them money.
As a result, Chen Xi, who is known as a eloquent scholar, was persuaded by these guys who love money as much as their lives. As expected, he blocked other people's money paths. The fighting power burst out by others will definitely shock you.
The aristocratic families and wealthy businessmen have already experienced the convenience of this transaction method. They have to go back to the transaction where they use a car to haul tons of money, spend more than a month to travel to another state, and risk their lives.
Way, there is something wrong with my brain!
So Chen Xi was persuaded by aristocratic families and wealthy businessmen, but they also imposed many restrictions. One was the deposit, and the other was that large amounts needed to be withdrawn in person. In fact, the second condition was to prepare black money.
Back then, the National Bank of England had such an insurance policy. You could only withdraw money if you came in person. If you don't come in person, it doesn't matter who you are, whether you are a direct descendant, a sister, or a parent. It's completely useless. We are just like this insurance.
Of course, Chen Xi's moral integrity will not be so low, he still pays attention to his face, but if someone has a whole family to say goodbye, then I'm sorry, in this troubled world, who knows if you will say goodbye that day.
Therefore, if Sun Ce and Cao Cao kill a wealthy businessman who has paid a deposit, Liu Bei will get a share of the pie. Therefore, Chen Xi will sometimes secretly sell Cao Cao dirty information about wealthy and unkind businessmen when he has no money.
