Chapter 121 Helpless Reincarnation

In the 28th year of Guangxu, thanks to the opening of Shanghai's port and the center of import and export along the river, Shanghai's Qianzhuang industry may be the best in the country. It does not need a huge amount of capital to open a Qianzhuang. With 50,000 to 60,000 taels of silver, it can be opened, and the more than 100,000 yuan. However, compared with Qianzhuang, although the level of the bank is higher than that of Qianzhuang, it can also set up a shelf with about 200,000 yuan. A bank with a capital of 200,000 yuan has a small capital, but it is just a fake bank.

The well-known Chinese-funded bank in Shanghai, one is the Tongshang Bank founded by Sheng Xuanhuai, and the other is the industrial bank established only in June 2007. Compared with the capital of Tongshang Bank, which has a capital of only two million yuan, the registered capital of the industrial bank is named after Shanghai with a huge capital of 20 million yuan.

The "Industrial Bank Building" established by the Industrial Bank in Pudong, the reputation of "Asia" has pushed the reputation of the Industrial Bank to the peak. After the Industrial Bank opened on the eighth day of the sixth month of the lunar calendar, it was nicknamed "Shanghai Night Bank".

Unlike other banks and banks, which are closed at night, industrial banks are open from morning to night. The 24-hour bank founded by Huang Huiyun is full of people coming and going from the sun in the morning to the lights at night. Coupled with the bright lights of the concession road, all of this shows the courage and energy of Huang Huiyun as a bank manager. The day and night seem to be in his hands. Every minute and every second are in his calculation, and they are all opportunities to make money.

And the most promising for industrial banks should be a group of small depositors. At the beginning, Huang Huiyun knew that although the industry was a bank with strong capital, when it used capital and reputation to win big customers, it also had to win more small customers, gathered their sporadic small money, and gathered small wealth for big wealth. And this is the business that those big banks that think are of high value disdain to do, while industrial banks are willing to do it.

Industrial banks are two ways to attract small customers: First, the interest rate is higher than that of other banks. II. No matter how much the deposit amount is, you can also open an account for free if it is less than one yuan. Small deposits, zero deposits and whole deposits and other businesses are available for depositors to choose from, and the bank gate is open all day long. It is very convenient to go whenever you want to deposit or withdraw money. The clerks in the industry are not afraid of trouble at all, and they are very polite to them.

This kind of small deposit business has attracted a group of hard-working people, such as those who pull ricked cars, collapse cars, set up small stalls, and even their maids' mothers and aunts, sisters, aunts, aunts, etc. They work hard all year round and save money. They have saved a few money in their hands. It is not qualified to deposit it in a big bank, because the number is too small, and now There is an industrial bank to keep it on your behalf, and you can get interest. It's really no better.

Of course, there must be a group of "nightlife" people coming to visit. In the public and French concessions, there are more than ten large casinos and hundreds of gambling stalls. Some people had good luck that night and won a sum. They couldn't spend it for a while, so they saved it in this industrial bank that opened at night and prepared to gamble tomorrow.

There are also the girls who sell themselves in the bottom-level court, the "wild pheasant" who solicits customers on the road, and other people who use the night to make "black money" are used to using the industrial bank that operates at night as their vault, and scrambling to deposit the money in.

The wages of enterprise employees under the jurisdiction of the industrial company are also paid by the industrial bank, and the tens of thousands of workers working in Pudong have hundreds or even thousands of people withdraw money in the business hall of the industrial bank every day, almost from the opening of the business. In front of the industrial bank, there will always be a carriage and horse. It's noisy and crowded with people, but in the eyes of people who don't know it, there is no doubt about the credit of this industrial bank.

He closed the account book in his hand, and Huang Huiyun sat at the desk with a smile. Chen Moran spit out a number.

"In ten months, the whole bank collected and stored 4,690,7,74 yuan! Yes, this bank, you have done a good job!"

The reason why I came to the bank today is that as the chairman of an industrial company, I naturally need to read the account book, and the second is to solve a small problem.

"I dare not take credit, mainly because the director planned it properly!"

Although he is humble, Huang Huiyun is still inevitably proud. In ten months, he let the industrial bank surpass the commercial bank. It has six branches in Jiangning, Hangzhou, Ma'anshan, Yangzhou, Wuchang and Anqing, and a large bank with sufficient credit and strength comparable to well-known foreign banks. I don't feel complacent, and I'm afraid no one will believe it.

"Who owns your credit, and no one can take it away! This bank, you contribute more than me!"

As soon as he waved his hand, he pushed off Huang Huiyun's flattery. Chen Moran pointed to the set of banknotes on the table. This is a set of banknotes of different sizes from 1 yuan to 100 yuan, and the main picture of the banknotes is the Industrial Bank Building. Moreover, in the design of this banknote, Chen Muran also drew on some anti-counterfeiting technologies of later generations. It can be said that although there is no watermark, the anti-counterfeiting technology is second to none in this era.

The collection of silver with paper was a decision made by Chen Moran during the "financial crisis" last year. Because of the manual engraving of six American engravers entrusted to the printing factory, it has been delayed until now. Although Anglo-Mexico Petroleum has remitted several sums of money, no one will feel that there is a lot of money, especially in Chen Moran's arrears. With tens of millions of foreign banks, although that style is settled, there is not enough money on hand, which always makes people have no confidence. Now it is completely supported by the credit of the industrial company.

And now there are still a lot of places that need to spend money. The production of thousands of cars costs money, the purchase of raw materials and machines costs money, and advertisements in Europe and the United States also need money. Even the "living advertisement" proposed by Liu Zhongxia also needs money, and it is not just a bonus. Calculated back and forth, it's just steam. The car needs as many as millions of yuan.

Looking at the exquisite banknotes printed by the industrial printing factory, Huang Huiyun frowned slightly.

"Chairman, although the credit of the Industrial Bank is extraordinary now, but..."

Hesitating in his heart, Huang Huiyun naturally knew that the chairman proposed to issue silver dollar coupons, which was nothing more than to help the company raise money again. Although he understood that industrial companies are a place to gather wealth and use banks to collect social idle capital for the industrial development of industrial companies, but in his heart, he was always a little worried.

"Chairman, all banks in the world are afraid of a run!"

"I know!"

"According to your requirements, we need to issue no less than 30 million yuan notes in all banks. If it is used and there is a run, only these 30 million yuan notes may be buried in the industrial bank!"

Huang Huiyun has his own concerns. The reason why he strongly asked the company to build a fast ship is to deal with the run. Half of the bank's deposits have become bonds of industrial companies, and 10 million have been released to Jianghuai Road Mine as loans. Now the industrial bank actually deposits. However, among the more than 10 million, and the six scattered branches, the deposit of the head office does not exceed 5 million yuan. Not to mention the issuance of 30 million banknotes, even if there is a run now, I'm afraid that industrial banks are unable to deal with it.

"This..."

His words reminded Chen Moran of the run that Catherine's Huisheng Bank experienced. What does the Industrial Bank look like now? I'm afraid that except for Huang Huiyun, Chen Moran knows best that since October last year, the Industrial Bank has actually dug the east wall to make up the west wall.

"A few months, it only takes a few months. At the end of the year at the latest, we will not be short of money. At that time, it can be said that we will only spend more money, and tens of millions of yuan will be in every month!"

Chen Moran said confidently, as if to comfort Huang Huiyun.

"Yes, how many remittances have the bank received from the United Kingdom in the past two months?"

The chairman Huang Huiyun knew that he mentioned that the remittance refers to the money remitted by his wife from the United Kingdom to the boss.

"1.05 million pounds!"

"At the end of the year, I can guarantee that at least no less than 3 million pounds will be remitted every month. At that time, not to mention that the Industrial Bank has only tens of millions of deposits and banknotes, even if it is one hundred million yuan, we can pay it. Later, I will send a telegram to my wife. At the end of the year, we will ship at least 6 1 million pounds of gold will come back. At that time, we will put the gold directly in the vault for people to visit and let them see what the strength of the industrial bank is..."

"Chairman!"

Huang Huiyun smiled helplessly.

"Those are just distant waters!"

Then hesitated for another second or two.

"If the chairman really wants to do this, he will have a suggestion that I don't know whether to say it or not!"

"Tay it, I agree!"

"I run my own factory to cast silver dollars!"

With a low voice, Huang Huiyun's eyes flashed with some light.

"Chairman, more than 60% of the deposits we received are two silver taels of silver, and the color is the number of silver obtained after dividing 90% to sterling silver. The color of Yingyang is only 90%, but it can be exchanged for one or two yuan or two yuan. If we cast silver dollars by ourselves, even if it is based on the color of Yingyang, the profit can be close to 10%, if so"

At this time, his voice was pressed lower, even almost close to Chen Moran's ears when he spoke.

"If you transfer to 80%, you will only get more! This alone can make a profit of millions of yuan! If so, it can not only destroy the double casting, but also recast it even if Yingyang receives the line!"

Chen Moran opened his eyes wide and stared at Huang Huiyun in front of him. This guy was obviously driven crazy by his money all day long.

"Chairman, this is the only way. There are machines in our machine factory and plate-making masters in printing!"

Huang Huiyun said it again, as if he wanted to catch this sentence with his own voice, afraid that it would escape.

"Some time ago, when I was allowed to chat with the shopkeepers of those money houses, when those shopkeepers talked about the lack of silver dollars, they all sighed one by one. Everyone did not have enough silver dollars. Since more than ten years ago, prices in most parts of China have been transferred from money to silver, and the amount of silver needed for circulation has increased significantly. In addition, the silver dollar is far more than the silver two. In the 25th year of Guangxu, the imperial court collected rent donations, and the silver yuan without silver is consumed. Merchants and farmers are naturally happy to use it, but the number of foreign inflows and self-cast silver dollars is generally limited, and the market is still dominated by silver. The silver dollars cast in various provinces are all domestic silver dollars. Chairman, the best silver dollar credit is Yingyang. Let's directly imitate Yingyang and use fake Yingyang to squeeze the real Yingyang. That is, we can use Yingyang's credit to send out our silver dollars and return a large amount of silver!"

Huang Huiyun, who is now forced to be helpless, naturally thinks of the most attractive money-casting profit in silver dollars, which is probably the root cause of the casting of silver dollars in various provinces. Even if they can cast silver dollars and use one million taels as one hundred and one hundred thousand taels, why can't the industry work?

"If the chairman agrees, and our machine factory in Ma'anshan can make enough silver, we will promise to guarantee that by the end of the year, we can turn at least 40 million taels of silver from the bank and cast into silver dollars, plus the silver stored in the industry. This alone can get nearly 10 million yuan!"

Huang Huiyun's words only made Chen Moran answer vaguely, and then he was silent for a while.

"Ap. Are you sure those banks will give us the money? Then the cashier?

"Chairman, now in the Shanghai money industry, any exchange of more than 10,000 taels of yuan needs a discount of 0.35 million taels and a discount of 0.2 of 100,000 taels. This is the rule of the money bank. Money banks in various places rely on silver and two yuan to make profits, and... Huiyun did not say that the turnover was borrowed, but let them take out the silver by themselves and give it to us. We cast silver dollars, and the money bank can pay for profit. Whoever has more silver dollars will get higher.

The voice of Huang Huiyun showed some pride again.

"If there is a run, we will use the money of the bank to emergency. Of course, the six million pounds promised by the chairman before the new year need to be received, otherwise we will be allowed to have the power, and I'm afraid we will get through this!"

Thinking of the profits, Chen Moran gritted his teeth and nodded in agreement with Huang Huiyun's proposal.

"I agree, then do as you say!"

"Chairman, you should know that if this privately cast silver dollar happens, it may lose its head!"

Huang Huiyun smiled and reminded that although it is not a secret to cast silver dollars privately in the industry, it will always take some risks.

"Yes, silently, I have a hard bone and a hard neck, and I want to cut my head..."

Chen Moran just smiled coldly, and even dared to do the rebellion of soldiers, not to mention the private casting of silver dollars.

"Chairman, if you are really not afraid of losing your head, we will even cast the copper yuan together. The profit of casting silver dollars is only 1 percentage, while Zhang Nanpi's casting copper yuan can reach nearly 50%! This is the real money-making business!"

Greed is the banker's instinct, and Huang Huiyun is no exception. After the industrial bank received the first copper yuan, his eyes stared at the half-profit copper yuan, but he has been suffering from no chance. Now this opportunity is in front of him.

"Anyway, this head is also cut once, and it is also cut twice! Yes, according to what you said, let's even cast copper dollars together. No matter how much silver there is, I don't think it's too much!"

When he spoke, Chen Moran touched his neck, and his head was still holding it well. If it was true, it would be a big deal to fight against his mother! What's more, he himself counterfeits money. Whether it's a silver dollar or a copper dollar, it's just to resume his old business at most.

Half an hour later, after discussing the "head-killing deal" with Huang Huiyun, Chen Moran sat in the carriage but smiled, frowned again, walked a lot of roads, and finally returned to the road of "counterfeiting banknotes", more or less unexpectedly, especially after the Mexican oil companies released oil.

"Oil! "Oil!"

As long as he thinks of money in his mind, Chen Moran can't help thinking about Mexico's oil. Originally, as soon as the oil was extracted, there should be a steady stream of money flowing into his pocket, but it was not until the real extraction of oil that he found that it was just a good thing. It's just an idea.

Ji Li's letter a few days ago has made it very clear that it is impossible to remit more money in the short term, laying oil pipelines, building pipelines, and even building oil refineries in the United Kingdom. Every place needs funds. Although Anglo-Mexico Oil Company got a loan of one million pounds from the Bank of England, it can However, it is not enough. The initial construction of the oil company needs money, and it also needs money here.

The exploitation of oil has not solved all of Chen Moran's problems. At least it is not realistic to give him too much help before the Anglo-Mexico oil company solves its own problems.

"In the final analysis, it's still a matter of money! It seems that we can only wait until next year!"

He shook his head and sighed. Chen Moran knew that at least before the dock in Mexico was built and the pipeline was laid at the end of the year, the continuous injection of funds in his imagination was just imagination.

"Money!"

In Ji Li's letter, she not only mentioned that the money could not be remitted as she wished, but also mentioned that the California Standard Oil Company had sent someone to negotiate with her to buy the company's land. The California Standard Oil Company is now here. The giant of the oil industry, Rockefeller's New Jersey Standard Oil Company. Si, will it be far away?

According to the current development plan of the Anglo-Mexico Petroleum Company, it is to explore the oil field by yourself and extract it by yourself. This is destined to be Rockefeller's competitors and enemies. Unless Anglo-Mexico Petroleum finds an oil field and sells it to Rockefeller, only in this way can it become Rockefeller's partner and friend.

In the past few months, Chen Moran has read several biographies about the oil king written by the author of this era. What he hates most in his life is competition. For his competitors, he has always held a fierce attitude and will step on both feet when he is completely defeated.

And the Anglo-Mexico oil company is destined to become his competitor. From the beginning, according to Chen Moran's idea, it is to put Britain, which has not yet found a large oil field, on a British and Mexican carriage, so as to use the power of Britain to protect its property.

In the end, it can even be used by Anglo-Mexico Oil Company to get involved in oil in the Middle East, automobiles and oil. The two can be said to complement each other. In the future, China also needs a large amount of oil. As for the Daqing oil field in the northeast, the Americans have not found it for decades, let alone themselves.

"It's difficult!"

Thinking about the many problems he is facing now, Chen Moran couldn't help sighing again.

This side is facing the problem of money, and the oil field that can solve the financial problem is stared at by those big crocodiles. The problems are entangled in Chen Moran's mind, but there is no way to sort out a line that can solve all the problems.

Take one step at a time! After thinking about it, Chen Moran could only sigh helplessly, but when he sighed helplessly, some strange colors flashed in his eyes, and at the same time, he raised the corners of his lips and showed some smiles.

(to be continued)