Chapter 1473 Allies of Xin Zijuan
"My lord, think about it, this sale is all about price negotiation on the spot. First of all, you need to pay a deposit. You can't just come and join in the fun with only three melons and two dates. That would be a low level, and it might be a problem." It’s a joke, so the bank checks are only accepted from Haitong Bank, and the household accounts are all opened in Haitong. What are you afraid of? Secondly, if you sell on the spot, you have to fulfill the contract afterwards. You can’t be in the limelight on the spot and then regret it afterwards. Then you This deposit will be confiscated as compensation. In addition, you have to perform the contract, which can easily cost tens of thousands of taels of silver. Who can bring cash? The court only recognizes the banknotes of Haitong Bank. This is not a disguised thought. Whether they want to be in the limelight or come to pick up the slack sincerely, are all the businessmen's accounts tied to Haitong?"
Feng Ziying talked eloquently, "These are all wealthy businessmen from the north and south of the Yangtze River, and inside and outside the border wall. I even asked people to take letters to Inner Khalkha and the Jurchens, and also to the Chahar and Tumut people. People went to spread the news, including Fo Langji and Hongmao Fan, as well as businessmen from Japan and North Korea, just to create a momentum so that all the businessmen inside and outside the Zhou Dynasty would know that this Haitong Yinzhuang is ours. The No. 1 silver bank account in China, with no deception, trustworthy and trustworthy, circulating at home and abroad..."
King Zhongshun was very happy when he heard this, his eyes were shining, and he couldn't help stroking his chin, "Ziying, doesn't this mean that all the rich people in the world will join me?"
Feng Ziying burst into laughter, "Your Majesty, their money belongs to them, and we just use Haitong Bank to facilitate circulation. We borrow their money to make money, and they get the convenience of transaction and circulation, while the other group of people can borrow money." It can be said that everyone is happy when rescuing an emergency, and they complement each other, which is the best of all three."
"Hahahaha, isn't this all for me?" King Zhongshun clapped his hands and laughed, "I will not covet their money, I just hope that they can always open an account and circulate in Haitong Bank, our Haitong's most important asset What it is, is the word credibility. As long as the credibility is there, no one can win us. But Ziying, what is the one you mentioned, risk control? Yes, it is this risk control. I have thought about it carefully. , I deeply believe that once the risk is not controlled well, the money lent cannot be recovered, and the money deposited by others, or the money transferred through our Haitong channel cannot be withdrawn, then the reputation of Haitong Bank will be ruined. It will be useless, so we would rather be cautious about this, and also require stability. Maintaining credibility is the first priority, both internally and externally..."
Feng Ziying was also a little surprised. He had discussed with King Zhongshun several times before about the operating model of Haitong Bank, which was similar to the operating model of modern banks. He thought that the prince would not understand it very well, but he did not expect that he would reveal it at once. , and can draw inferences from one instance and think about it over and over again after going back, which is not easy.
It seems that I still underestimate the people of this era. As long as you give them some guidance, they can still figure out many things.
Like risk control, after a brief introduction by myself, the prince really understood the secret. The most important thing in finance is reputation. As long as the golden brand is there, there is no need to worry about making a fortune, but Likewise, this credibility also requires countless gold and silver to forge.
"Don't worry, Your Majesty, I have told my cousin that this matter is the most important. The Guangzhou ship is now developing the fastest, even surpassing the capital and Yangzhou. Now many Franji merchants and Hongmaofan merchants have accepted it. For the next step of our Haitong Bank’s banknotes, my cousin also told me that we must go to Sulu and Luzon. We must also go to Palembang and Malacca, as well as Japan and North Korea. Only then can this be realized Our goal is to reach all parts of the world, but although we are growing rapidly, we cannot lose our risk control, and our credibility must be defended. This is the bottom line,..."
Now Haitong Yinzhuang branches are growing continuously, but the development momentum is fast or slow.
For example, the Guangzhou ship is the most dazzling, and it has a faint tendency to surpass the two centers of gravity of the capital and Yangzhou. Of course, it is not yet possible, but in time, the Guangzhou ship can definitely become the leader. In other words, the capital now occupies the leading position in the north, and Yangzhou becomes the only one in the south of the Yangtze River. Guangzhou has taken advantage of Lingnan and Nanyang. In contrast, although branches in places like Datong, Hanyang and Xi'an have also been opened, their development momentum is far less than these places.
Duan Xigui has been tempered. Feng Ziying’s idea is to wait until the end of the year and Duan Xigui has stabilized the situation in Guangzhou, and then let him come back to take charge of Haitong Bank and be responsible for the overall planning and operation.
Jia Lian can be considered steady in Yangzhou. Being timid is not a bad thing at this time. Yangzhou's business is prosperous. As long as the situation is stabilized, there will be huge profit returns. This is also Feng Ziying's request for Jia Lian.
In Feng Ziying's view, the financial attributes of Haitong Bank are important, but through this kind of financial support, it is also an extremely important role to monitor the trade networks of Mongolia, Jurchen and overseas countries on the border and even outside the border wall. Now the Great Zhou Dynasty The more difficult the situation becomes, the more important this information becomes. It can even be said that as long as we have this information, we can fully control the flow of materials and price fluctuations in places such as the Mongolian Jurchens. Once they have large-scale military operations, they can master it in advance. Get the upper hand.
"Ziying, now I realize how wise Gu's investment was. It's ridiculous that Gu's cousins and even distant relatives thought they were giving Gu a bit of trouble and reluctantly joined the shares. Now, haha ,..." King Zhongshun stroked his beard and smiled.
When the drama came, Feng Ziying also pursed her lips and smiled, "Why, these royal family members regretted that they did not invest enough in the shares, and are jealous when they see the dividends?"
"Isn't that what it is?" It was easy to talk to smart people. King Zhongshun laughed. "Last year, the dividends were taken out by Gu Gu. This group of people were so jealous that they kept whispering in Gu's ears about whether they could increase their capital and expand their shares. Just say that this bank is a chicken that lays golden eggs. Since it can lay golden eggs, why bother to increase capital and expand shares? Just use the golden eggs to continue to expand operations. These people are holding their mouths and feeling uncomfortable..."
“Haha, Your Majesty, this is a slap in their face.” Feng Ziying also clapped her hands and chuckled, “However, although the development momentum of Haitong Yinzhuang is good, it is still far from achieving the goal of Haitong Tianxia...”
King Zhongshun took a sip from his teacup and listened carefully.
"Last year's dividend was generous, and we also considered it to give everyone a thought. After all, we took some risks when we invested in the shares. No one has ever seen new things, and we all need to explore and move forward. Now that we have seen hope, everyone is enthusiastic. It's understandable, but there may not be such generous dividends this year. The Jingshi, Guangzhou and even Hanyang are expanding their operations. The deficit of Jingtong's second warehouse has caused a huge food security gap in Beijing, and the drought in the north is serious. This winter and next spring will definitely be difficult. I have already sent a message to Jia Qiang and Hanyang, asking them to strongly support the grain merchants who sell grain from Huguang to Shandong, Beizhi and the capital. Even if the interest is lower, they must still support it. ,…”
"Oh?" King Zhongshun chewed on the meaning of Feng Ziying's words and asked tentatively: "Ziying, I hear what you mean, you don't refuse to increase capital and expand shares? But Haitong has huge profits, why do we need to increase capital and expand shares? Really? To increase capital and expand shares, you don’t have to go to relatives like Gu. There are countless people outside craning their necks to buy shares, but Gu has stood up to many people for you, and even offended many well-connected people..."
"As long as the emperor doesn't want to buy shares, it's okay." Feng Ziying made a joke, "Although Haitong has huge profits, don't just see the profits and not the risks. Although the situation has been difficult in the past two years, overall, It is said that it is relatively stable. The war in the southwest has nothing to do with the overall situation. At least it will not affect Haitong's business. But what about the future? Be prepared for danger in times of peace, and we still have many areas that need to expand and dig deeper, so the richer the share capital and the wider the network, the more beneficial it is to us. To become bigger and stronger, it is necessary for the prince to withstand it in the early stage, making them jealous and greedy. Now if we let go, they can cherish it more and be more useful to us..."
King Zhongshun rubbed his chin, "Brother Huang is not that bad, but the nephews and the ladies in the palace are very greedy, and their appetites are not small,..."
"Oh?" Feng Ziying hesitated, "Are some of the noble concubines interested?"
"Ziying, who could not be interested?" King Zhongshun sighed, "Even the emperor said that if he were not the emperor, he would be tempted as well. The imperial court should have bought a share in the first place, but now the imperial court really has no money. , and a group of scholars and civil servants also opposed competing for profits with the people, feeling that it was an insult to the court's elegance and damage to the court's prestige..., although last year's dividends were repeatedly requested to be kept secret, how could they hide it? Ladies, haha, long hair but short knowledge , how can they endure it, and what about their parents’ families behind them?”
Feng Ziying nodded. This still needs to be weighed. Although he is willing to see Haitong Bank continue to expand its scale and influence, he must also consider the impact of concubines and princes in the palace coming to invest. Of course, as long as there are loyal and obedient people, With Wang, a loyal ally here, he is not afraid of them causing trouble, but he still needs to think carefully.
"How about it, Ziying, think about it. If you want to increase capital and expand shares, you need to think carefully about how to balance it and even minimize the influence of these newcomers." Of course, King Zhongshun did not want these people to have influence. It was too big and affected the operation of Haitong Bank. In his opinion, only Feng Ziying's helm could make such a giant ship sail smoothly and ensure his own interests.
(End of this chapter)