T-Word Scroll Chapter 176 What was most lacking in the seventeenth century? Talent!
There are many clans, martial arts and meritorious families in the capital city. In the past hundred years, an extremely large group of people has been formed in the capital city.
Regardless of whether they are members of the clan or military meritorious officials, they all need to be granted titles. Therefore, over the past hundred years, even princes and princes have become the type of prince after three or four generations, and more and more sideline concubines have emerged.
It has gradually evolved into a rentier class that is slightly better than ordinary citizens. If it lasts two or three generations, it is estimated that it will truly evolve into ordinary citizens.
Of course, there are still some outstanding people among them, but most of them have broken away from the shackles of this level of identity, but the vast majority of people still stay at this stage.
I have lost my status, but I still can’t get any respect. There may still be one or two old houses or decent old things in the house, which are better than the ones above and more than the ones below. I may not be rich or wealthy, but I won’t have enough food and clothing to go hungry.
class.
What Feng Ziying and King Zhongshun were talking about was to use Haitong Bank to create this kind of impression among the clan, merchants and even the court, mobilize this class of people, and let them attract the old people in the family to engage in loan sharking.
The risk is too high if there is no way, but although the interest rate is low in Tonghai Bank, it is better than being safe, and it is better than being buried in the ground and growing mold.
King Zhongshun was also greatly impressed by Feng Ziying's plan and idea.
The Great Zhou Dynasty, or Shuntian Prefecture, does not have an accurate statistics on the population of the entire capital city, but preliminary estimates should be around 1.2 million people.
Among them are the descendants of the clan, military honors, and heroes, as well as the merchants and gentry who moved from all over the Zhou Dynasty, either forced or voluntarily, and their relatives, as well as civil and military officials, Beijing camp officers, and even some officers from the surrounding frontier armies.
They and their families can barely be called a middle-class group or above in this era, and it is estimated that there will be no less than 70,000 to 80,000 households, with around 200,000 people.
For such a large group, each household basically has savings of 350 taels or more. If averaged, Feng Ziying estimates that each household's savings will not be less than 200 taels.
If the savings of such a large group could be put into Haitong Bank, it would easily exceed 20 million taels.
Of course, this is just an ideal number, but when you think about the unfathomable clans, wealthy businessmen, families of martial arts heroes, and the huge gap between the rich and the poor in this world, this number may even be more conservative, and it is possible to double it.
This is a long-term guidance process. If the savings of these people can be mobilized, then even if Haitong Bank can only get the largest share of the pie, it will be enough to support many of Feng Ziying's future plans.
This question has been lingering in Feng Ziying's mind. Even after leaving Prince Zhongshun's palace and returning home, he was still thinking about it.
King Zhongshun must have put a lot of thought into it. According to what he said, the clan's shareholding amount may exceed one million taels, or even reach more than 1.5 million taels. This is far beyond Feng Ziying's expectation.
It seems that three to five million taels should be a reasonable number, but I didn't expect King Zhongshun to be so powerful.
If other merchants, martial arts heroes, etc. in the capital city are added together, with more than 2 million taels of stock capital, the capital city alone can easily handle it. Feng Ziying was surprised by the smoothness of the operation.
The success of the stock raising also brings another pressure, that is, these capitals need to be loaned out. Otherwise, even if the interest rate is low, such a large amount will be enough to make it difficult for this newborn baby to support it. The key is that it will make these people lose money.
confidence.
According to the terms negotiated by King Zhongshun and Feng Ziying, Haitong Bank can withdraw its shares after it has been officially open for one year and pays dividends, but there will be no additional capital raising after the withdrawal.
Jingshi City can raise more than two million shares, plus the shares from some merchants in Yangzhou and even Jiangnan. Feng Ziying is confident to push the share capital of Haitong Yinzhuang to five million taels, plus the capital deposited when opening an account.
, seven to eight million taels of capital need a place to go to satisfy the hungry eyes of shareholders, which has already made Feng Ziying, who was originally full of confidence, feel a sense of pressure.
Therefore, many tasks that were originally thought to be put aside need to be started as soon as possible, especially looking for more suitable loan targets.
There has been some improvement in the development of industry and commerce in this era, especially once the sea opening policy is liberalized, silk weaving, cotton spinning, tea making, ceramics, medicinal materials and other industries that were originally the main export export industries will immediately usher in a wave of explosive expansion. This is
Opportunities for Haitong Yinzhuang, but how to resolve risks and lend accurately has become the top priority of Haitong Yinzhuang, a crab eater.
The imperial court started to build Denglai, opened up the Denglai-Liaonan route, opened up Denglai-Ezo-Haisi, and the Savage Jurchen line, from dock construction to shipyard shipbuilding, to route exploration and colonization, all needed support, except
Part of the imperial government's appropriations, many of which need to be supported by loans.
This is also the exchange condition for the Cabinet to agree to the Ministry of Accounts opening an account at Haitong Bank.
Don't think that these old guys can't see clearly what's going on here. They also know very well what kind of benefits the imperial court's endorsement of Haitong Yinzhuang in this way will bring to Haitong Yinzhuang.
Who will take on the future management responsibility of Haitong Yinzhuang needs to be considered now.
Feng Ziying tentatively sought Prince Zhongshun's opinion at Prince Zhongshun's palace, and Prince Zhongshun also found it difficult.
After all, the nature of this kind of bank is completely different from that of ordinary money shops. It not only aims at making profits, but also has to shoulder some political tasks of the court. Moreover, its business is basically similar to the loan sharking model. Of course, from the purpose
, interest rates, risk control, etc. are completely different, but in the final analysis, they are lending profits, supporting industrial development, and providing development convenience for industry and commerce.
Regarding these three major purposes, for other shareholders, the importance of them decreases in order, but in Feng Ziying's mind, making profits and supporting industrial development need to be reduced one by one.
The problem is that there are too few people who can understand these meanings and be responsible for their execution. They also need to know how to make a living in this area. Moreover, they also need to be able to satisfy the two bankers Feng Ziying and Zhongshun Wang in terms of loyalty and credibility.
It’s even more difficult if the primary initiator recognizes it.
Feng Ziying estimated that in the end, Duan Xigui would have to try it first, with Jia Lian assisting. Duan Xigui would be responsible for the main business, such as saving and lending risk control, while Jia Lian would be responsible for daily administrative affairs management and response. If King Zhongshun is worried, he can also provide
One or two suitable candidates.
We will start with the Yangzhou ship first, and strive to complete the Haitong Yinzhuang Yangzhou ship within three months, and then consider the Jingshi ship.
The preparations Duan Xigui made in Linqing in the past few years can also come in handy.
If it really doesn't work, you can only use everyone who can use it first, and then slowly select it while using it.
Feng Ziying even considered whether to transfer the two boys who were sent to Lin Ruhai to the salt envoy and call back the two boys from the Yamen to use them first.
I had thought about making some preparations in this area before, but I didn't expect that King Zhongshun would make such rapid progress.
This also made Feng Ziying realize that she still underestimated the people of this era, and also underestimated the abilities of clan princes like King Zhongshun. Some people are not incapable, but their specific identities limit their performance and performance, and this
A loyal and obedient king should fall into this category.
Duan Xigui and Jia Lian are not special talents, but now there is no general Liao Hua in Sichuan to serve as the vanguard.
At least Duan Xigui had run Fengrunxiang and had experience in operating a business or a "chain enterprise". He was also very familiar with new arithmetic and double-entry bookkeeping. In addition, he had the special status of his cousin, so he had a lot of experience with Wang Zhongshun and Wang Zhongshun.
Jiangnan merchants can make sense of it.
Jia Lian is a little mediocre, but he has enough status, a stable and gentle personality, and a dignified appearance. He is also strong in dealing with people, and his ability to socialize with others and coordinate is just passable. If he is trained and polished, he can barely hold up.
.
Thinking of Feng Runxiang, Feng Ziying thought about it, maybe Xue Biao could also be used?
Although Xue Biao is a little younger, he can barely get by at this age, especially letting him learn to do things, which is very beneficial, but the only obstacle is that he is still in the period of observing filial piety.
He has just passed half of the three-year and twenty-seven-month period of observing filial piety. Although Xue Biao is not an official, he can be regarded as an official. Observing filial piety does not necessarily mean that he cannot do anything. But if he leaves his hometown and comes to Yangzhou, how much
It is still easy to attract criticism and accusations, and Feng Ziying does not dare to risk such widespread disapproval.
But Jinling is also a focus of Jiangnan's future layout. The entire core city of South Zhili will sooner or later build the Haitong Yinzhuang Jinling No., so it is better to let Xue Biao learn how to organize it first, and when the time is right, start it first.
If you want to do something these days, you really only have these choices, whether it's relatives, old friends, or classmates and friends. In short, the meritocracy can only be said.
If you can't even trust yourself, how dare you leave your confidants to him?
Duan Xigui is a blood relative, needless to say, Jia Lian has also known each other for many years, and they know each other well. Xue Biao is also closely related and can be trusted. Who else does Feng Ziying dare to trust?
There are quite a few classmates, but they all want to pursue official careers. There is no way they can make a living like a businessman. No matter how glorious it is, it is impossible for these people to change their minds.
Returning to the house full of thoughts, Feng Ziying really felt that she had been in this world for so long and there were not many useful talents around her. This was also worth summarizing the experience.
Wang Wenyan's team does have a few available people, but the contact time is still short, and it is still in the inspection period. Except for Wang Wenyan and Wu Yaoqing, they are gradually gaining trust, and several other people still need to be observed.