Chapter 663 The Five-character Volume Sword Roars to the West Wind’s First Student

 Duan Xigui’s originally plump cheeks quickly lost weight, and even his eye sockets seemed to be quite sunken. His steps walking to and from the yamen were windy. Feng Ziying saw all this.

The group of people brought from Linqing began to get busy with Duan Xigui, and Duan Xigui also wrote to ask for a group of people to come over.

According to the early agreement, some Jiangnan gentry who were optimistic about Haitong Yinzhuang and Feng Ziying, and even the clan forces headed by King Zhongshun behind them, also began to formally negotiate with Duan Xigui and even Feng Ziying about specific investment matters.

"As of now, we have negotiated deals with a total of 137 gentry and merchants from the entire southern Zhili and Zhejiang, Fujian, Huguang, and Jiangxi. It is initially estimated that the equity capital of 3.42 million taels of silver can be raised, of which Sixty-eight households in the southern Zhili area received 2.2 million taels, 23 households in Zhejiang received 480,000 taels, 19 households in Fujian received 340,000 taels, nine households in Huguang received 200,000 taels, and eight households in Jiangxi received 200,000 taels. 2, and there are still more than 50 households that are still in further negotiation, and it is expected to raise more than 600,000 taels of shares, and the total amount of shares raised can reach about 4 million taels."

Duan Xigui is already familiar with these figures. He can tell the merchants negotiated and the amount of stock capital finalized every day.

It can be said that during these times, his thoughts have been spent on this. In the future, he may become the boss of Haitong Bank Yangzhou, the boss in charge of millions of taels of silver, and he may also become an important business tycoon in Yangzhou and even the entire Jiangnan. .

On the one hand, the sudden increase in the number of shares has made Haitong Yinzhuang more connected and more able to withstand external pressures. It also means that such a large sum of money must find a suitable destination. Only in this way can the bank achieve profitability. Only then can these shareholders be reassured.

Feng Ziying was aware of this from the beginning, but she did not expect that Haitong Bank could also raise such a large amount of funds in Jiangnan, so it would need to open up new avenues in the business process to find the most suitable lending target.

“Then does my cousin think it’s the best time for Haitong Bank to open for business?” Feng Ziying asked.

"We can choose a good day in May to list the company. Of course, the more important thing is that we need to determine our recent business direction." At this time, Duan Xigui had gained some momentum and was no longer as cautious as when he first met Feng Ziying. .

"Oh, what did you think about it?" Feng Ziying let Duan Xigui go, but that didn't mean that she didn't care about Haitong Bank's major policies.

“I thought about it and divided the future development of Haitong Bank into three stages according to your proposal.” Duan Xigui also came prepared. If he couldn’t convince even his cousin, how could he reassure other shareholders?

Feng Ziying smiled. It seemed that this person's performance was greatly influenced by him, and he could actually do planning and stage analysis.

"In the early stage, my idea is that from now to the tenth year of Wing Long, it is a development stage. We will take advantage of the fact that we are the only one operating this type of business to further expand our influence and channels, especially the channels to stabilize the government, and strive to become a company that includes the Thirteenth We are the only channel for provincial governments to pay taxes internally. At the same time, we actively connect with businesses of all sizes to make them our customers. We will build the Jingshi and Datong ships within this year, and strive to build the Guangzhou, Jinling and Hangzhou ships in the eighth year of Yonglong. In the ninth year of Yonglong's reign, the Suzhou, Wuchang, and Nanchang ships were built..."

“In addition to further expanding the coverage of Haitong, we must also work hard to attract depositors and open exchange accounts. This will be the foundation for the future development and growth of our Haitong Bank,…”

"...We have carefully studied that our customers are actually mainly divided into two categories. One category is attracted by our reputation and is willing to deposit money in the bank. Firstly, it is safe, and secondly, it can be profitable. This type Customers include not only ordinary families in the city, but also a considerable number of local businessmen, landowners and other gentry and merchant families. It should be said that these people are the main group of our depositors..."

“..., the other category is merchants. There are not many accounts in this category. The main purpose of opening an account and depositing money is not to make a profit, but to facilitate deposits and withdrawals and facilitate business, so we also plan to separate them into categories..."

 Feng Ziying had only introduced some of her ideas to Duan Xigui and Jia Lian before.

He did not study finance, and did not know much about the modern banking system. He could only say that he knew the basic operating model of general commercial banks, so he only talked to them about the deposit-loan difference, which is the main source of profit for banks, and how to operate it. It must be carried out according to the characteristics of this era.

"After careful investigation and understanding, we believe that different business models should be adopted for the two types of customers. For the first type of customers, their main concern is the safety of their own money, and then profit, so we believe that in terms of interest, It’s not advisable to set it too high. Ziying’s original standard is unfeasible and far beyond the limit.…”

Feng Ziying quickly interrupted, "Cousin, I just made a casual suggestion at the beginning. All standards must be based on your conclusions after investigation and research."

Duan Xigui also breathed a sigh of relief.

 He was afraid that his cousin would be stubborn.

Although many of his ideas are original and refreshing, in actual operation, they require many modifications or even major changes. Now it seems that my cousin still knows that many things cannot be based on imagination alone.

“We do not consider paying interest for bank deposits that are less than one year old, and even those that are less than three years old will have relatively low interest. In addition, interest is not paid for current deposits and withdrawals. If you withdraw money in advance for urgent needs on a regular basis, you will not pay interest and you will need to pay a small handling fee. ,…”

Hearing that the conditions were so harsh completely subverted Feng Ziying's previous imagination, and Feng Ziying couldn't help but smack her lips.

Seeing that Feng Ziying was a little shocked, Duan Xigui introduced, "Ziying, although the idea of ​​paying interest was born out of borrowing money, we are qualified to propose this standard as we have been approved by the imperial court and even serve as a special exchange channel for the Ministry of Household Affairs and Zhongshu Department of the imperial court. , you can imagine these gentry landowners storing their money underground. Firstly, they are worried about attracting thieves and bringing danger to their families; secondly, they have to arrange for people to guard them every day. Not only is it expensive, but it is also very labor-intensive..."

I have to say that Duan Xigui's point of view hits the mark. The gentry and landlords who do not do business and lend money usually do not have any big expenses. They have three or two hundred taels of silver at home, which is more than enough. However, except for their fields, they have more or less three to five. A hoard of thousands of taels of silver, but as Duan Xigui said, the risks and consumption are self-evident.

If you can deposit it into a bank in the city, you don't have to worry about the interest period. If you are more stable and deposit regularly for one year, you can still get some interest. Even if it is not much, you can still earn pocket money for your children and grandchildren. If you want to save money for your children and grandchildren, The children and grandchildren can leave the family home and simply save for three to five years, and the interest will be quite high. By then, the repayment of principal and interest will be quite considerable.

 Feng Ziying nodded silently.

 He will not interfere with the business strategy proposed by Duan Xigui and others.

Duan Xigui was originally doing business in Datong and was very familiar with the business situation in the North. Later, he was recruited by him to come to Shandong to run Fengrunxiang with the Xue family. In just three years, he turned Fengrunxiang's business into a success. This is also sufficient. This shows that the other party's business ability is much better than that of a dabbler like me who only relies on a little memory of his past life.

And the most important thing is that Duan Xigui is familiar with the current business operations in various places. After coming to Yangzhou, Wang Wenyan and others also provided Duan Xigui with the situation in southern Zhili. It can be said that Duan Xigui now has a good understanding of the operations of merchants in the north and south. , so the conclusions drawn based on his investigation and research should be very credible.

"For the second category, we think about it this way. Although this type of merchants seems to have a large currency circulation, most of them deposit and withdraw money in other places. This will bring certain risks and operating costs for our bank, so for this We have to charge a certain fee for deposits and withdrawals in other places. Of course, we can consider grading these customers. When their creditworthiness reaches a certain level, or their cooperation with our bank reaches a certain standard, we can consider exempting them..."

Feng Ziying had no intention of listening any more. Just because Duan Xigui was already planning to differentiate between VIP users and ordinary users to gain greater profits, he knew that his cousin had been completely led by him.

 Credit is the most important thing, whether it is for Haitong Bank itself or Haitong Bank’s customers, this is the core of finance.

So when Duan Xigui talked endlessly about how to find high-quality customers, especially loan customers, and lend money by investigating and analyzing customer credit and asset risks, Feng Ziying really wanted to give the other party a thumbs up, and at the same time she was also impressed that she could quickly bring out unlimited Students are extremely proud to be close to modern financial thinking.

Even Duan Xigui noticed his cousin's carelessness in the second half, which made him a little puzzled.

It is self-evident that my cousin values ​​​​the Haitong Bank. He even told himself that compared with sea-opening bonds, charter payments, and even the Dongpan salt reclamation business, the Haitong Bank is the future big business. Duan Xigui was shocked and a little unbelievable by Zhou Zijian's words.

 The foundation of the Great Zhou Dynasty, what status has it risen to?

Duan Xigui didn't dare to think deeply, but this cousin's words never seemed to be empty, and the fact that he attached so much importance meant that they were definitely not lies.

"Cousin, I agree with everything you mentioned, but it is a very heavy task to open the Yangzhou, Jingshi and Datong this year alone. The apprentices you brought out alone are not enough. , what do you think about it?"

This is the key. If you don’t have enough talent, if you want to rush into such a big thing, it will be too big a step.

 (End of this chapter)