Chapter 572 T-shaped scroll start

  When the ship arrived in Yangzhou, Wang Wenyan came to pick it up at the pier.

  Going south this time, Feng Ziying certainly wants to solve her marital problems, but on the bright side, or another more important task is to start the construction of the Yinzhuang framework.

  Without Yinzhuang and sufficient monetary support to support Yinzhuang, whether it is Ningbo shipbuilders going north to Denglai to start construction, or existing maritime merchants starting to open up the Denglai-Liaonan waterway, they will face great difficulties.

  Especially the owners of the few shipbuilding workshops I contacted, at first they made it clear that it was impossible to go to Denglei.

The three most important ones are the low-interest loan from Yinzhuang, the order and advance payment of a considerable deposit for the imperial navy fleet, and the transfer of hundreds of craftsmen from Qingjiang and Longjiang to Denglai for use by these shipbuilding workshops. If these craftsmen perform well after working for a certain number of years, they can be released from their craftsmanship.

  It can be said that without these three conditions, it would be impossible for the owners of these private workshops to go north at the risk of being unsuitable in all aspects.

Knowing that the opening of the sea is imminent, and all places will usher in a stage of shipbuilding industry explosion, but they are asked to give up the conditions of local acquaintances and go to the strange and dangerous north to rebuild factories. If there are not enough attractive conditions, there will be no one. willing to do.

   And now there are finally a few workshops willing to go, which means that these conditions are indeed attractive enough.

According to the results of discussions between Feng Ziying, Guan Yingzhen, and Lian Guoshi, the ordering of the navy fleet will have to wait until the shipbuilding workshop is completed. , that is also a problem with the Ministry of Industry of the imperial court. Since the cabinet and the emperor have already nodded, the Ministry of Industry has to do it even if it doesn’t want to, and it has to be completed within a time limit, so it has little to do with the Zhongshu Department in charge of opening the sea. , Now the key is the problem of Yinzhuang.

  The bank must be built as soon as possible, and it must become the first fully formalized bank in Dazhou as originally set by Feng Ziying. Its main business is to absorb deposits and lend money.

The current main purpose of Yinzhuang is not to make profits, but to support the comprehensive promotion of the sea-opening strategy. Another intention is to make the old financial settlement system of Dazhou, especially the payment of land tax and commercial tax, need to be transported by water. The clumsy mode of transportation is replaced by this mode of universal deposit and universal settlement in different places, and the savings that can be saved are self-evident.

  As for the profit-making nature of the financial industry, Feng Ziying plans to put it in the future.

   To quickly establish the status and reputation of a "new professional bank" that directly excludes pawns, the best way is to have a sufficiently strong and sufficient shareholder group.

   "Let's go." Glancing at the carriage that came to pick him up, Shi Xiangyun and Miaoyu got into the carriage, Feng Ziying nodded with Wang Wenyan, and boarded another carriage, "How is Mr. Lin?"

"It's not very good, but it's still stable." Wang Wenyan shook his head, "The doctor came to visit almost every two days, but the conclusions were the same. Time is running out, but Mr. Lin himself It’s very satisfying, especially after knowing that Ms. Miaoyu has promised to return to the clan to recognize her ancestors, she feels even better.”

  Feng Ziying sighed and rubbed her cheeks.

  Although Miaoyu agreed to come back to visit her biological father, she did not say anything about her ancestry. In addition, through contact and observation with Miaoyu during this period of time, Miaoyu may not be willing to accept Lin Ruhai's arrangement.

   Fortunately, Lin Daiyu's marriage problem has been solved, and he can finally give Lin Ruhai an explanation. As for Miaoyu, he doesn't care.

"My lord arranged to find out the situation of the group of salt merchants in Yangzhou. There are ready-made detailed information in the yamen. In addition, we have collected and searched a lot of things over the years. It is estimated that you will be interested, and you will also be interested in your next arrangement. helpful."

  Feng Ziying's heart is open.

  This Wang Wenyan is worthy of being the think tank of the Daming Donglin Party in the history of the previous life. I just revealed to him some of my intentions for the next step, and he can quickly start the preliminary work according to his intentions.

   And judging from his tone, it should be very smooth, and the harvest is also great.

  Of course, it is also possible that the Siyamen itself has the resources in this area, and has already consciously engaged in preparations for these aspects.

   "Classical Chinese, thank you for your hard work." Feng Ziying also breathed a sigh of relief.

  He originally wanted to bring Lian to help with state affairs, and even made an agreement early on, but he didn't expect to be stopped by Guan Ying.

  With other people, he can still fight, but Guan Yingzhen is his immediate boss, so naturally he can't.

  Fang Youdu couldn't leave there, otherwise he would have brought Fang Youdu to Yangzhou, and Fang Youdu himself really wanted to take the opportunity to go back to his hometown in She County.

  Fang Youdu has to keep an eye on the matter of "Internal Reference", this position cannot be easily let go.

Moreover, Fang Youdu is becoming more and more proficient in compiling "Internal Reference". Feng Ziying's group "Correctly Understanding the Most Urgent Issues and Their Dialectical Relationships" is divided into several parts. It's finished, but the refinement and modification of the text has to be done properly.

Now the Zhongshu Department has just set up a shelf. Guan Yingzhen is not even willing to let go of anyone. Now he is busy preparing for the construction. It is also because the matter of Yinzhuang is too important and urgent, otherwise Guan Yingzhen will not even let him go. Walk.

  People from the Ministry of Household Affairs, the Ministry of Industry, and the Ministry of War were all drawn, but how can these people from outside be used by their own people?

   It's just that although you are in charge of the Zhongshu Department, you can't say that everyone is determined by you.

  So Guan Yingzhen could only make a report to the cabinet on the current basis to enrich the staff of Zhongshushe, hoping to recruit a few from the Jinshi of Guanzheng.

   Fortunately, everyone from the emperor to the cabinet was aware of the complicated and trivial affairs of opening the sea, so the requirements of the official Yingzhen were basically satisfied.

   Except for Feng Ziying and Lian Guoshi who borrowed directly from the Hanlin Academy to help, Fan Jingwen and He Fengsheng, Fang Zhenru, Ye Tinggui, Wu Sheng and others were all brought here by Guan Yingzhen.

Originally, Guan Yingzhen wanted to drag Yang Sichang to the Zhongshu Department, but first, Yang Sichang was from Huguang, which was too obvious, and second, Lian Guoshi and Feng Ziying were both drafted by him. Huang Ruliang couldn't agree to an editor, so he had to give up.

According to the usual practice, people from Zhongshushe are considered to be from the seventh rank, and they can be awarded the seventh rank to the top three Jinshi who observe politics after the completion of their political observation period, but this Zhongshusheren is no better than other officials. Ordinary principals and the like are much more expensive, let alone external posts.

  Look at the original group of Zhongshu Sheren, which one is not the former cabinet elder or the nephew of the six ministers?

  Now that the imperial court has changed its course and wants to use the Zhongshu Division to manage the affairs of Kaihai, the Zhongshu Sheren are not just nobles, but also real powerful positions.

  There is no one among the classmates who can help him for the time being, so he can only rely on Wang Wenyan and his group.

   Fortunately, Wang Wenyan and his group are not bad at all. The only regret is that they don't have official positions, which means they can be their own staff, but they can't do it if they want to be promoted to the stage.

Of course, this is also temporary, and now with the enrichment of the Zhongshu Department, it seems that dragons and snakes are mixed. There are not only Jinshi-born officials and political-watching Jinshi like myself, Lian Guoshi, Fang Zhenru, Ye Tinggui, and Wu Sheng, but also a few. To help the sons and daughters of the officials who were kind and shady at the beginning.

   "My lord, you are being polite. This is just what classical Chinese should do. I don't know what your next step is."

  Wang Wenyan had a general understanding of Feng Ziying's intention, which was to set up a bank, which was completely different from the existing bank.

  At present, banks are basically integrated with pawns, with small scale and low capital flow, and very few can realize remote deposit and withdrawal, let alone modern financial business.

  The Haitong Yinzhuang under Feng Ziying's planning implies access to the world. The headquarters will be set up in Yangzhou, and another center will be set up in the capital.

   These are the two core cities of the Great Zhou Dynasty. The capital is the political center, while Yangzhou is the business center.

   In the future, we will consider setting up branches in Guangzhou, Jinling, Suzhou, Datong, Hangzhou, Ningbo, Quanzhou, and Dengzhou, but at present we still need to focus on Yangzhou and Jingshi.

  Feng Ziying’s visit to Yangzhou this time is to be divided into two steps. One step is to raise shares, absorbing part of the funds as equity, and the other step is to collect reserves.

   These two steps are indispensable, the former is the foundation, and the latter is the guarantee.

Without the support of strong shareholders, no one would believe in this so-called new bank. Similarly, if there is no abundant savings bank coming in, relying on shareholders' capital alone, once the lending model is started, it will be impossible to make ends meet, so there is a lack of both. No, and the more the better.

   There are many unfavorable factors, but there are also many favorable factors.

One is that the existing Yinzhuang money shops have not realized that a new type of financial mechanism is about to emerge. They are still in the state of charging storage fees, mainly for the temporary storage of some merchants, and another main business It is pawning to earn the price difference, so for now, there is no competitor, and this is a pure blue ocean.

The second is that both merchants and gentry are more willing to store silver directly at home, or buy it as land for value preservation and property purchase. One is the safety issue at home, and the other is that there is no value-added income.

In this situation, most people may not be tempted by some of the profits deposited in Yinzhuang in a short period of time, but as time goes by, when some people can indeed benefit from it, and Yinzhuang has a stable reputation , then it is hard not to be tempted.

The third is that with the opening of the sea, there are more and more transactions with Frangji and Hongmaofan, and the new type of banks in European countries, that is, the so-called banks, have already appeared. When these Hongmaofan and Frangji merchants can When accepting this new thing calmly, it will definitely have a psychological impact on the merchants in Dazhou, especially the maritime merchants.

  And their transactions with these Xiyi merchants may no longer require cash transactions, but can directly complete the transfer transaction in the silver village, from selling goods to receiving goods to buying new goods, everything is like this.

  The benefits of this level of convenience are unmatched by anything else.

Everything is difficult at the beginning. Once the situation is opened, Feng Ziying believes that this superiority will roll like a snowball. Those conservative gentry will eventually join in involuntarily, depositing their hoarded silver in the silver village obediently.

  Of course, this requires a process. What Feng Ziying has to do now is to use all means possible to shorten this process.

  (end of this chapter)