Chapter 572 T-volume starts

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

　　This time, Feng Ziying went south to solve her marriage problem, but on the surface, or in other words, another more important task was to start the establishment of the bank's framework.

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

Especially the owners of several shipbuilding workshops that I contacted initially made it clear that they would not be able to go to Denglai. It was not until the various support and support policies were fully revealed that they were able to impress a few of them.

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

It can be said that without these three conditions, it would be impossible for the owners of these private workshops to go northward at the risk of not adapting in all aspects.

Knowing that the opening of the sea is imminent and the shipbuilding industry will explode in various places, they are asked to give up the conditions of local acquaintances and familiarity and go to the unfamiliar and dangerous north to build factories again. If there are not enough tempting conditions, there will definitely be no one. Willing to do it.

 And now there are finally several workshops that are willing to go, which shows that these conditions are indeed attractive enough.

According to the results of discussions between Feng Ziying, Guan Yingzhen, and Lian Guoshi, orders for the naval fleet will have to wait until the shipbuilding workshop is completed. It is not an imminent problem, and the craftsmen of Longjiang Qingjiang have moved to Denglai. , that is also a problem of the Ministry of Industry of the imperial court. Since the cabinet and the emperor have already nodded, then the Ministry of Industry has to do it even if it is unwilling, and it must be completed within a time limit, so it has little to do with the Zhongshu Department, which is responsible for opening up the sea. , now the key is the issue of Yinzhuang.

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

The main purpose of Yinzhuang at the moment 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 Da Zhou, especially the land tax and commercial tax, need to be paid through water transportation and other methods. The clumsy transportation mode is replaced by this deposit-and-exchange remote settlement mode. The savings that can be made are self-evident.

As for the profit-making nature of the financial industry, Feng Ziying plans to consider it later.

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

“Let’s go.” After taking a look at the carriage that came to pick him up, Shi Xiangyun and Miaoyu got into the carriage. Feng Ziying nodded to Wang Wenyan and got into another carriage, “How is Mr. Lin doing?”

"It's not very good, but it's still stable." Wang Wenyan shook his head, "The doctor comes to take a look almost every two days, but the conclusion is the same. Time is running out, but Mr. Lin himself It’s very tolerant, especially after knowing that Miss Miaoyu has agreed to come back and acknowledge her ancestors, I feel even better.”

 Feng Ziying sighed and rubbed his cheek.

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

 Fortunately, Lin Daiyu's marriage problem was solved and he could finally give Lin Ruhai an explanation. As for Miaoyu, he didn't care.

"The yamen arranged for the young master to conduct a thorough investigation of the Yangzhou salt merchants. In addition, we have also collected and collected a lot of things over the years. I think the young master will be interested in it, and will also be interested in the next step of the young master's arrangements. helpful."

 Feng Ziying’s heart is bright.

This Wang Wenyan is worthy of being the think tank of the Donglin Party of the Ming Dynasty in the previous life. He only briefly revealed some of his next intentions to him, and he was able to quickly start the preliminary work according to his own intentions.

 And judging from his tone, it should be very successful and the harvest will be great.

Of course, it is also possible that the Salt Transfer Office itself has resources in this area, and has already made conscious preparations in these areas.

“Wen Yan, thank you for your hard work.” Feng Ziying breathed a sigh of relief.

He originally wanted to bring in Lian Guo to help, and he had even agreed to do so in advance, but unexpectedly he was stopped by Guan Ying.

 If it had been anyone else, he could still have fought, but Guan Yingzhen was his immediate boss, so naturally he couldn't.

Fang Youdu couldn't leave there, otherwise he would have dragged Fang Youdu to Yangzhou. Fang Youdu himself wanted to take the opportunity to return to his hometown in Shexian County.

　　The matter of "Internal Reference" must be closely watched by Fang Youdu, and this position cannot be easily let go.

Moreover, Fang Youdu is now becoming more and more proficient in compiling "Internal Reference". Feng Ziying's group "Correctly Understanding the Most Urgent Current Issues and Their Dialectical Relationships" is divided into several parts. He has combined the general framework and basic content. It’s written, but Fang Youdu still needs to refine and polish the text.

Now the Zhongshu Department has just set up a racket. Guan Yingzhen is not willing to let anyone go. He is now busy preparing for the establishment. The matter of the bank is also too important and urgent, otherwise Guan Yingzhen will not even let himself go. Walk.

　　Some people have been drawn from the Ministry of Household Affairs, the Ministry of Industry and the Ministry of War, but how can any of these outsiders be used considerately and smoothly by our own people?

 It's just that although you, the official Ying Zhen, are in charge of the Zhongshu Department, it cannot be said that all decisions are made by you.

Therefore, Guan Yingzhen could only report to the cabinet on the current basis and recruit more people from Zhongshushe, hoping to recruit a few from among the Jinshi Guanzheng.

 Fortunately, everyone from the emperor to the cabinet was well aware of the complicated and trivial matters of opening up the sea, so the requirements for officials Ying Zhen were basically met.

In addition to Feng Ziying and Lian Guoshi, who were directly borrowed from the Hanlin Academy to help, Fan Jingwen and He Fengsheng, as well as Fang Zhenru, Ye Tinggui, Wu Di and others were all brought in by Guan Yingzhen.

Originally, Guan Yingzhen wanted to recruit Yang Sichang to the Zhongshu Department, but firstly, Yang Sichang was from Huguang, which was too obvious. Secondly, Lian Guoshi and Feng Ziying were both taken away by him, and he wanted to recruit him again. Huang Ruliang couldn't agree to having an editor, so he had no choice but to give up.

According to the usual practice, the people in Zhongshushe are considered to be from the seventh rank. The top three Jinshi who have watched the government can be awarded the seventh rank after their term of observing the government. However, the people from Zhongshushe are not as good as other officials. The status of this seventh rank is higher than that of other officials. Ordinary positions such as being in charge are much more expensive, let alone delegating positions to outsiders.

 Look at this group of people from Zhongshushe. Which one is not the nephew of the former cabinet minister or the six ministers?

Now that the imperial court has changed its tune and wants to use the Zhongshu Department to handle Kaihai affairs, the people in the Zhongshu department are not just noble people, but also hold important positions with real power.

 No one among his classmates can help him for the time being, so he can only rely on Wang Wenyan and others.

 Fortunately, Wang Wenyan's group of people are all very capable. The only regret is that none of them have official status. That is to say, they can be their own aides, but they cannot be promoted to the stage.

Of course, this is temporary. Now with the enrichment of Zhongshu Department, it seems that dragons and snakes are mixed. There are officials like himself and Lian Guoshi, Fang Zhenru, Ye Tinggui and Wu Zhen who were Jinshi and Guanzheng Jinshi. Help the officials and officials who were kind to you at the beginning.

“Young master, you are so polite. This is just what Wenyan should do. I wonder what your next step is going to be?”

Wang Wenyan roughly understood Feng Ziying’s intention to set up a bank, which was completely different from the existing bank.

At present, all banks are basically integrated with **** shops. They are small in scale and have low capital flow. Very few of them can realize remote deposits and withdrawals, let alone modern financial services.

The Haitong Yinzhuang planned by Feng Ziying means that it has 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. Jingshi is the political center and Yangzhou is the commercial and trade center.

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

Feng Ziying came to Yangzhou this time to take two steps. One step was to raise shares to absorb some funds as equity capital, and the other step was 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. Likewise, if there are no abundant reserves, relying solely on the shareholders' capital, once the borrowing mode is started, it will simply be unable to make ends meet, so one of the two is missing. No, and the more the merrier.

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

First, the existing banks and money shops have not realized that a new financial mechanism model is about to emerge. They are still charging storage fees, mainly for temporary storage services for some merchants, and the other main business is It's just to earn the price difference through **** sales, so for now, there are no competitors. This is a pure blue ocean.

Second, both merchants and gentry prefer to store their money directly at home or buy it as land for value preservation and property purchase. However, the price of land is too expensive and there is not that much land for sale. Firstly, there is a safety issue at home, and secondly, there is no value-added benefit.

In this case, most people may not be tempted by the profits deposited in the bank in a short period of time, but as time goes by, when we see that some people can indeed benefit from it, and the credit of the bank is stable, , then it would be difficult not to be tempted.

Third, with the opening of the sea, there have been more transactions with Folangji, Hongmaofan, etc., and this new type of bank, the so-called bank, has actually appeared in European countries. When these Hongmaofan and Folangji merchants can Accepting this new thing calmly will definitely have a psychological impact on the merchants of the Zhou Dynasty, especially the maritime merchants.

And their transactions with these Western merchants no longer even require cash transactions, but can directly complete transfer transactions in the bank, from selling goods to receiving goods to purchasing new goods.

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

Everything is difficult at the beginning. Once the situation is opened up, Feng Ziying believes that this superiority will start rolling like a snowball. When merchants realize and prove the convenience, safety and reliability of this kind of bank, they start to use it in large quantities. Those conservative gentry would eventually join in involuntarily and deposit their hoarded silver obediently in the bank.

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

 (End of this chapter)