The functions of the Household Department of the Zhou Dynasty were somewhat similar to those of the Household Department of the former Ming Dynasty, but they were improved by combining some characteristics of the former Ming Dynasty.
For example, the official department of the Thirteenth Qing Dynasty was still retained, but the four departments from the Hongwu period were retained. For example, the headquarters became the General Affairs Department, the Du Branch became the Du Branch Department, the Jin Department became the Finance Department, and the Cang Department became
The functions of the Warehousing Department are similar to those of the four ministries in the Hongwu era of the pre-Ming Dynasty. Together with the Thirteenth Qing Dynasty Officials Department, the Household Department has become the largest organization among the six ministries.
Wei Dazhong was Yuanwailang of the Finance Department.
Wei Dazhong was a Jinshi who was born in Jiashan, Zhejiang Province. He was of a pure but not old-fashioned temperament. He was also very aware that the current financial resources of the imperial court were tight, but the required expenses were blooming in all directions, so it was inevitable that there would be a shortage.
He was also very clear that without the strategy of opening up the sea that Feng Ziying boldly proposed two years ago, the financial situation of the DPRK and China would have been even worse. After the strategy of opening up the sea was advanced, it won praise from the gentry in the south of the Yangtze River, and
Although Feng Ziying was a rising star among northern scholars, she also had a close relationship with the gentry in the south of the Yangtze River. Especially those gentry whose families had merchants in business had a very good impression of Feng Ziying.
Because of this, Wei Dazhong is still very optimistic about Feng Ziying, so he loves his family as much as he loves Wu Xun. Jia Yun, who followed Feng Ziying, did not have much prejudice.
There are tens of thousands of members on the side of the Lord, and many of them have become no different from the poor. No matter what industry they are engaged in, it is not surprising.
Wei Dazhong also had a rough idea of the background and details of Haitong Yinzhuang. Family members of the royal family in Beijing, dignitaries, and wealthy businessmen from high-ranking families in the north and south of the Yangtze River all had shares. However, the savings and lending activities that Haitong Yinzhuang engaged in were indeed different from traditional
In addition to general deposits and withdrawals, banks break the convention and provide interest to depositors, which is something other banks do not have. The same method of lending has also made many banks hesitate to move forward and dare not get involved in this industry.
Wei Dazhong also admired Feng Ziying's ability to personally take the lead in launching the Haitong Bank. With his sharp tongue and various favorable policies, he built the bank on a completely baseless basis, and through
After several years of development, it already feels like a giant.
"But I will obey all orders given by my lord." Jia Yun said in a polite manner.
“Oh, Shopkeeper Jia is so easy to talk to?” Wei Dazhong smiled half-heartedly, “Then I want to ask, can I get interest-free?”
Jia Yun was stunned and did not dare to respond.
Wei Dazhong laughed loudly and felt much better immediately, "Okay, it's just a little joke. How can the imperial court take advantage of the people by remaking it? Well, the Ministry of Revenue wants to transfer 500,000 taels of silver from Haitong Bank.
For a period of one year, is there any problem with Haitong Yinzhuang?"
Jia Yun silently made a calculation and then asked: "When will your Excellency want it? Should all the money be paid in cash in the capital, or can it be paid in other places?"
Jingshi Hao is the most lucrative location for Haitong Bank to absorb cash. However, when cash comes in, it must be loaned out. Beidi is obviously far inferior to Jiangnan in terms of lending, so most of the cash absorbed by Jingshi Hao has to be put into Jiangnan and retained.
There are not many in the Jingshihao library.
Of course, no matter how little it is, 500,000 taels can still be taken out. However, if the 500,000 taels are transferred this time, the capital's treasury will be empty, so Jia Yun wants to ask Wei Dazhong if he can pay the turnover elsewhere.
After Wei Dazhong was stunned for a moment, he thought about it. Among the five hundred thousand taels, in addition to the two hundred thousand taels that needed to be paid in cash to the people of Inner Khalkha, the other three hundred thousand taels needed to be used to purchase military supplies in Huguang.
, including grain, mules, horses, carriages, medicinal materials and other supplies.
He didn’t know that Zaisai had already made an agreement with Feng Ziying to purchase the goods directly in Yongping Mansion, so he calculated it as cash."
“Shopkeeper Jia,…”
"Master Wei, if you don't want to abandon me, just call me Brother Yun." Jia Yun said with a smile: "In the future, we will have more and more dealings with the Ministry of Household Affairs, and we also hope to be able to provide more for the court.
More comprehensive and quality service.”
Wei Dazhong was stunned for a moment and then laughed, "Well, brother Yun, more comprehensive and high-quality service, this is interesting, can you explain it?"
"Haha, this is what Xiao Feng Xiuzhan mentioned to us before. He said that the main business of our banks is now nothing more than a few things, deposits and withdrawals, exchanges, and lending, but no matter which business it is,
We all hope to win the favor of higher-quality customers. Similarly, if we want to win the favor of high-quality customers, we must naturally provide more thoughtful services. Only in this way can we attract more high-quality customers and win the competition with other peers."
Jia Yun's words made Wei Dazhong a little confused. Jia Yun's series of words made his head confused. He understood the words deposit and withdrawal, exchange, and lending, but he knew the words customer, service, and quality customer.
Putting it all together, he seemed to understand something but not quite.
"Uh, Brother Yun, do I understand that the customers you are talking about are the merchants who come to your bank to deposit and withdraw money?" Wei Dazhong swallowed hard and asked slowly: "There are also high-quality customers.
What does it mean? Service, well, it’s probably what your bank does for these customers, right?”
Jia Yun nodded. This Master Wei is not a pedantic person. At least his understanding ability is very good. He has said these words to many people, but they either turn a blind eye to them, or find it difficult to understand, or they think they are grandstanding, but
This Master Wei obviously does not belong to this category, and is also very interested.
"Master Wei, the meaning of service is that as a bank, we use our own resources to help people or businesses in need. Depositing and withdrawing money is only one aspect, and it is also like loans. Many businesses want to expand their scale, or have temporary needs.
For turnover, for example, if he needs us to transfer a sum of money directly to a business partner in other places, we can do these for them."
Jia Yun explained patiently: "Customers are not just businessmen or ordinary people who deposit and withdraw money, but also include people who lend money to us. Because of their loans, we can collect interest and pay to those who deposit money with us.
Only with interest can our shopkeepers and apprentices have an income..."
Wei Dazhong nodded repeatedly after hearing this. It was not that he knew nothing about bank accounts, but a natural aversion made him unwilling to know more about such bank accounts. Only after Jia Yun came to give him a careful lesson today did he understand.
.
“That is to say, if it is deposit and withdrawal, you also need to pay the handling fee you mentioned?” Wei Dazhong was very interested.
"This is not necessarily the case. It depends on the situation. It is not required for particularly small amounts, such as less than one hundred taels. For particularly large amounts, if you conduct business with our bank account for a long time, you can also be exempted. Only those who are neither in
For long-term bank accounts, if the amount is redeemed in different places, a handling fee will be charged. After all, it costs us to make special exchange notes. In addition, this kind of off-site redemption also has some risks..."
Sensing that Wei Dazhong was somewhat interested, Jia Yun was naturally willing to promote it to him. This was what Feng Ziying proposed to everyone in the bank. She should use every opportunity to promote the bank's various businesses and services to everyone.
This Wei Dazhong was born as a Jinshi. Although he is just a Yuanwailang now, is he sure that he will be a doctor or even a minister or minister in the future?
It took me half an hour to understand the differences between Haitong Bank and other banks, including Haitong Bank’s lending model, including object investigation, pledges and mortgages, and risk control. Jia Yun spoke clearly and clearly, and Wei Dazhong was also a master.
He was shocked. This prototype model of modern banking was indeed far beyond his imagination. No wonder Haitong Bank developed so rapidly.
"Okay, I have a rough understanding of the situation of your Haitong Bank. Let's get back to the business. So the Account Department can definitely become your so-called high-quality customer, so can we talk about the loan interest? In addition, if we need to make exchanges in other places
, how to calculate the handling fee?”
Hearing that Wei Dazhong finally talked about this business, Jia Yun felt reassured and said with a smile: "Mr. Wei, please rest assured that our Haitong Bank has special service standards for high-quality customers, including exchange fees and loan interest.
Give the best consideration,…”
…
When Jia Yun walked out of the Hubu Palace and got on the carriage again, she couldn't suppress the ecstasy in her heart and waved her hand violently.
This is the first loan to the Ministry of Accounts of the imperial court. According to Uncle Feng, this is the number one high-quality customer, and the mortgage is also secured by the sea trade franchise, even if the interest is placed in the lowest bracket, the procedures
The fee also takes into account that this is the first payment to be charged at half the price, but when you think about it, it is 500,000 taels, and the profit is quite considerable.
The most important thing is that as soon as this news spreads, it will undoubtedly improve the reputation of the bank. The most important asset of the bank is its reputation. This is what Uncle Feng has repeatedly emphasized.
He needs to report this situation to Feng Ziying immediately.
Feng Ziying had already told him that business dealings with the Ministry of Household Affairs would come sooner or later. The financial situation of the imperial court and the various accidents that were constantly breaking out made it difficult for the imperial court to continue to spend money and food, and it might eventually be done through private banks.
For turnover, then Haitong Yinzhuang will be the first choice.
Just when Jia Yun was ecstatic about getting her first loan business from the Ministry of Household Affairs, Wang Xifeng was also actively preparing to start her redemption business.
This will be the most important gain before she leaves the Jia family. She cannot afford to lose it, even if she has to risk her face, she must get it.
She has identified the targets in the circle that she can reach, but this is not enough. Except for many that have been taken away by Jia She, there are not many targets left in this circle, and more targets still need to be passed.