Chapter 37 Empire

"I said, I can take out 10 million in a month, do you believe it?"

With this sentence, the crisp sound of the teacup and the cup plate rang up in the private room. Xiao Yiren looked at Chen Moran, who was drinking with the teacup after saying this in surprise.

Is he kidding?

Obviously not! His expression is very serious.

But 10 million, 10 million, even in the whole of Shanghai, no! Even all over the world, how many people can say that they can take it out?

I don't know why Xiao Yiren believes that Chen Moran can take out 10 million in a month. The reason is very simple, that is, because of the business philosophy of his bank he mentioned earlier, he believes that Chen Moran can definitely take out 10 million, even if he can't take out 10 million. Based on his previous words alone, those men in the concession world listen to After that, there must be someone willing to take out money to invest in this bank, but I'm afraid that Jieshi is far from 10 million. He has no reputation in Shanghai. If he wait for another two or three years... Who knows what will happen in the future?

"If you have 10 million!"

Xiao Yuren frowned slightly, and his words paused a little.

"You can open the largest commercial bank in Shanghai!"

When he said this, he felt that he was a little hot, so he picked up the teacup and drank the tea. The newly renewed tea was very hot, but when he drank it into his stomach, he felt a little cool.

"Yes, can you tell me about the business blind spot you just mentioned? It's hard for me to imagine that a person who studies machinery and printing will be so familiar with banking, so he learned it?"

With a cup, Chen Moran laughed in a low voice. How did you learn it? At the beginning, when I learned that I went to the loan company, I didn't put a lot of effort on it, but in the end, people were not as good as God's calculations, and the thighs still couldn't twist the thighs. The loan company of the political axe was not for profit at all, but for... shook his head helplessly, threw the past away from his mind, and looked up at Xiao Yanren.

Looking at Xiao Yuliang's appearance, Chen Moran knew that his previous words had touched his heart.

"Some of them are listening at school, some of them are reading by themselves, and some of them are abroad. When they are abroad, they ask some from industry insiders through their dealings with banks. Of course, they are more of them by themselves!"

Since Miss Ji Li asked her for music with the color of worship, Chen Moran has enjoyed the pleasure of others' worship or surprise when plagiarizing the achievements of later generations.

"Generally speaking, domestic banks, of course, also include Qianzhuang. After all, most of them are Qianzhuang, pawn and ticket numbers. Their profits are mainly accepted by low-interest deposits, auctioning expired pawns, off-site remittances and high interest through some short-term small and medium-sized industrial and commercial credit. Weiyang, think about it, can the bank make a big profit in this way of doing business?

Hearing this, Xiao Qiang didn't say anything, because there were many pawnshops at home. Although they were not the eldest son, they were very clear about the source of pawnshops. The pawnshops did not rely on Chen Moran's words to auction expired goods for profit. The shop was a killing shop, relying on price reduction. As for the bank and ticket number, the profit was indeed limited as he said.

"As for a few Chinese-funded banks, they do not have a pawn industry. Although they also operate international currency exchange, they are almost monopolized by foreign banks, and the profit will not be very large. Take Tongshang Bank as an example, which mainly handles and issues exchange vouchers, acts on behalf of public bonds and off-site deposit between branches. In terms of supporting the development of national industry and commerce, neither the money bank nor the bank has done much. Finally, I will talk about the business model of foreign banks in Shanghai. Of course, their profits are quite considerable. They rely on foreign privileges to issue banknotes in China, plus international currency exchange and international lending. These three items alone are not too much to describe them as huge profits! It's no different from robbery. Moreover, they take the money of our Chinese people to invest in foreign industries as a matter of course. While making money and developing themselves, there is nothing they can do. The country is so weak that they can only watch them get rich and develop at the same time. As for the development of China's industrial and commercial industry, I'm sorry, they are not interested!"

At this point, Chen Moran shook his head helplessly and sighed that the world-renowned HSBC and Citigroup's so-called world-class banks all rely on the foreign privileges of this era. On the one hand, they absorb deposits, and on the other hand, they use very little reserves to make banknotes in China. Withdicking silver, lending in foreign countries, and even with the help of domestic power, they have mastered the financial and financial power of the late Qing government axe and the later Beiyang political axe. It is these economic privileges that have enabled them to achieve the so-called commercial success of later generations.

"The disaster of Gengzi the year before last, my wife and mother fled to Xi'an, and then asked Li Hefei to deal with the aftermath. As a result, she signed a peace and outline aimed at draining China's financial resources. No matter how to sign the peace contract later, the compensation of hundreds of millions of taels is indispensable. The wife must not be able to pay so much money. She can only borrow it from the great powers. Do you have to pay it back if you borrow it? Take what? If the finances are bankrupt, what should I pay back?

When Chen Moran spoke, he didn't notice that he mentioned his wife and mother. Xiao Jiren was first shocked and looked at him in surprise. Immediately, he smiled again, even with a meaningful smile in his eyes.

"Squeeze the people's fat as much as possible!"

"The people can squeeze almost what they can squeeze. What else can they squeeze? They can only find another way to use their brains in other aspects, and where to use their brains? Industry and commerce, no industry is strong, no business is not rich. At that time, whether it is the wife or the minister and the prince, I am afraid that they will affirm all kinds of measures to reward industry and commerce and develop the industry when the law is changed. The goal is nothing more than to open up financial resources. I dare to say that in the next few years, there will be a change in this land that subverts the surname. Whether it is to reform the official system to rectify the governance of officials, reform the criminal law to train a new army, or to abolish the imperial examinations and start a new school, in the final analysis, it needs something, silver, silver from there, and finally the key to solving the problem, also It is to set up business and revitalize the industry! It can be said that there will be an opportunity for China's great development of industry and commerce!"

What Chen Moran said is not what is destined to happen in the next few years in history. The reason is nothing more than the moment when the military boots stepped into the Forbidden City, all China's minds woke up. Even if they don't want to wake up and listen to the sound of the stepping military boots, it has to be right to reality.

However, Xiao Yiren was completely stunned by Chen Moran's urgent words. He could hardly believe what Chen Moran said. For the sake of money, it was possible to start a business development industry, but as for the reform of the official system, the rectification of officials, the reform of the criminal law, the formation of a new army, and the abolition of the imperial examination, it was really amazing.

"This is also the reason why I am in a hurry to open a bank in Shanghai now. Don't miss the opportunity. It won't come again. It won't take a few years. With the development of the industry, Shanghai will definitely open a series of banks one after another. At that time, the competition will only be more fierce, and it will be such a good opportunity now! What's more, if I want to do it now, then I'm the first person to eat crabs!"

After saying it in one breath, Chen Moran exhaled a long breath and looked at Xiao Yuren, who was stunned. His surprise was already in his expectation. Whoever heard the previous arrangement would show this expression.

"How's it going, Wei Yang, come and help me! Let's build the largest bank in China and even the world together! Build a financial empire!"