Chapter 663 E-shaped scroll sword roar West Wind's first student

  Duan Xigui's plump cheeks quickly lost weight, and even his eye sockets seemed to have sunken a lot. Feng Ziying saw all this in Feng Ziying's eyes.

  The group of people brought over from Linqing started to get busy with Duan Xigui, and Duan Xigui wrote to ask another group of people to come over.

  According to the previous agreement, some Jiangnan gentry who are optimistic about Haitong Yinzhuang and Feng Ziying, and even the clan forces headed by King Zhongshun behind them, have also begun to formally discuss with Duan Xigui and even Feng Ziying about specific stakes.

"As of now, a total of 137 gentry merchants from the whole of Nanzhili and Zhejiang, Fujian, Huguang, and Jiangxi have been negotiated. It is initially estimated that they can raise a capital of 3.42 million taels of silver, of which There are 68 households in South Zhili area with 2.2 million taels, 23 households in Zhejiang with 480,000 taels, 19 households in Fujian with 340,000 taels, nine households in Huguang with 200,000 taels, and eight households in Jiangxi with 200,000 taels. Two, there are still more than 50 households that are still under 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 has long been familiar with these figures, and he can tell the merchants negotiated every day and the amount of shares that are finalized.

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

On the one hand, the sharp increase in the number of shares has made Haitong Yinzhuang stronger and more able to withstand external pressure. It also means that such a large sum of money must find a suitable destination. Only in this way can Yinzhuang realize profitability. In order to reassure these shareholders.

  Feng Ziying was aware of this from the very beginning, but she never expected that Haitong Yinzhuang would also raise such a large amount of funds in Jiangnan, so in the process of operation, it is necessary to open up a wide range of channels and find the most suitable lending targets.

   "Then my cousin thinks when is the most suitable time for Haitong Yinzhuang to be listed and opened?" Feng Ziying asked.

"Choose a good day in May, and we can list. Of course, the most important thing is that we need to determine our business direction in the near future." At this time, Duan Xigui has gained some momentum, and is no longer as cautious as when he first met Feng Ziying that day. up.

   "Oh, how do you think about it?" Feng Ziying let Duan Xigui go, but it doesn't mean that he doesn't care about Haitong Bank's major policies.

   "I've thought about it, and according to your proposal, divide the future development of Haitong Yinzhuang into three stages." Duan Xigui also came prepared. If he can't convince his cousin, how can he reassure other shareholders?

  Feng Ziying smiled, it seems that this performance is still greatly influenced by her, and she can actually engage in planning and stage theory.

"In the initial stage, my idea is that from now to the tenth year of Wing Lung, it is a development stage. We will take advantage of the fact that we are the only one operating this kind of business at present, to further expand the influence and channels, especially to stabilize the channels of the government, and strive to become a company that includes thirteen The provincial government is the only channel for taxation and taxation, and at the same time actively connects with businesses of all sizes, allowing them to become our customers, and build the Jingshi and Datong within the year, and strive to build the Guangzhou, Jinling and Hangzhou in the eighth year of Yonglong. In the ninth year of Yonglong, Suzhou, Wuchang and Nanchang were built,…”

   "In addition to further expanding the coverage of our Haitong, we must also work **** attracting depositors and opening exchange accounts. This will be the foundation for the development and growth of our Haitong Bank in the future,..."

"..., we have studied carefully, and our customers are mainly divided into two categories. One is attracted by our reputation and is willing to deposit money in Yinzhuang. First, it is safe, and second, it can also be profitable. Customers include not only ordinary families in the city, but also a considerable number of local merchants, landowners and other gentry and merchant families. It should be said that such people are the main group of our depositors,..."

   "...the other type is merchants. The number of such accounts is not too large. The main purpose of opening an account and depositing silver is not to make a profit, but for the convenience of deposit and withdrawal, which is beneficial to business, so we also plan to classify them into different categories..."

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

He doesn't have a financial background, and he doesn't know much about the modern banking system. He can only say that he knows the basic operation mode of general commercial banks, so he only talked with them about the deposit and loan gap as the main source of profit for the bank, 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. Therefore, we believe that in terms of interest, It should not be set too high, Ziying's original standard is unfeasible, far beyond the tolerance,..."

  Feng Ziying hurriedly interjected, "Cousin, I was just a casual suggestion at the beginning, and all standards should be based on the conclusions you come to 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 ingenious and refreshing, in actual operation, they need many revisions or even major revisions. Now it seems that my cousin is still very clear that many things cannot be imagined alone.

"We don't consider interest payment for deposits of less than one year, and even less interest for less than three years. In addition, no interest is paid for current deposits and withdrawals. If you withdraw in advance for temporary urgent needs, you need to pay a small amount of handling fees if you do not pay interest. ,..."

   Hearing that the conditions were so harsh, it completely overturned Feng Ziying's previous imagination, and Feng Ziying couldn't help but click her tongue.

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 an exchange channel approved by the imperial court and even as a special exchange channel for the imperial household department and the Chinese Book Department. , you can imagine these gentry and landowners hiding their silver in the ground. First, they have to worry about attracting bandits and bringing danger to their families;

I have to say that Duan Xigui's point of view hits the nail on the head. Like ordinary gentry and landowners who don't do business and lend money, they usually don't have any big expenses, and they have three or two hundred taels of silver in their homes, which is more than enough. The hoard of thousands of taels of silver, but as Duan Xigui said, the risk and consumption are self-evident.

If you can deposit it in a bank in Fucheng, you don’t have to worry about the interest survival period. If you are more confident and deposit it for a year, you can still get some interest, even if it is not much, but you can still earn pocket money for your children and grandchildren. If the children and grandchildren stay at home, if they simply save for three to five years, the interest will not be low, and the repayment of the principal and interest will be quite considerable.

  Feng Ziying nodded silently.

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

Duan Xigui used to do business in Datong, and was very familiar with the business situation in the Northland. Later, he was dug out to Shandong to run Fengrunxiang together with the Xue family. In just three years, he managed Fengrunxiang like a windmill. It shows that the other party's business ability is much better than this half-baked guy who only relies on a little memory of his previous life.

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

"For the second category, we consider it in this way. Although this kind of merchants seem to have a large amount of money in circulation, they mostly deposit and withdraw in different places. This will have certain risks and operating costs for our bank. We have to charge a certain fee for deposits and withdrawals in different places. Of course, we can consider grading these customers. When their reputation reaches a certain level, or they cooperate with our bank to reach a certain standard, we can consider exempting them,…”

  Feng Ziying didn't have the heart to listen any more, just because Duan Xigui was already planning the difference between VIP users and ordinary users to make more profits, he knew that this cousin had been completely led by him.

  Reputation is the most important thing, whether it is for Haitong Yinzhuang itself or Haitong Yinzhuang'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 conduct loan lending through investigation and analysis of customer reputation and asset risk, Feng Ziying really wanted to give the other party a thumbs up, and at the same time, she also had an infinite confidence in herself. Students who are close to modern financial thinking take great pride.

  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 attaches great importance to Haitong Yinzhuang. He even told himself that Haitong Yinzhuang is the future big Zhou Jigen, Duan Xigui was shocked and a little unbelievable by these words.

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

  Duan Xigui didn't dare to think deeply, but this cousin never seemed to let go of what he said, and he paid so much attention to it, which meant that it was definitely not empty words.

"Cousin, I agree with what you mentioned, but it is a very heavy task to start the Yangzhou, Jingshi and Datong this year alone. The apprentices you brought out are far from enough , how do you think about it?"

  This is the key. If you don’t have enough talents, if you want to do such a big thing rashly, it will only be too big.

  (end of this chapter)