There are many clans, martial artists, and meritorious families in the Jingshi City, and they have spread out, and in the past hundred years, an extremely large group class has also been formed in the Jingshi City.

Whether it is a clan or a martial meritorious hero, the knighthood needs to be attacked, so in the past hundred years, even if it is a prince and a county king, after three or four generations, it has also become the category of Hou Bo, and more side branches have gradually evolved into a rentier class that is slightly better than the ordinary citizen class, if there are two or three more generations, it is estimated that it will really evolve into ordinary citizens.

Of course, there are still some outstanding people, but most of them have gotten rid of the shackles of this identity, but the vast majority of them are still at this stage.

There is no name, but it still can't get it, there may be one or two old mansions or decent old things in the house, more than the upper and lower than the bottom, the rich and the expensive, but not to starve the food and clothing class.

What Feng Ziying and King Zhongshun talked about was to use Haitong Yinzhuang to form this impression in the clan, merchants and even the imperial court, mobilize this class of people, and let them attract the little old foundation in the family, and the risk of usury is too high, but although the interest rate in this Haiyin Village is low, it is better than burying it in the ground and growing mold.

For Feng Ziying's plan and idea, King Zhongshun was also greatly admired.

The Great Zhou, or Shuntianfu, does not have an accurate estimate of the population of the entire Jingshi City, but the preliminary estimate should be around 1.2 million.

Among them, as the descendants of the clan, martial arts, and meritorious heroes, as well as the extremely close relatives of the merchant gentry from all over the Great Zhou Dynasty, whether they were forced or voluntarily relocated, plus the civil and military officials and the officers of the Beijing camp, and even some of the officers of the surrounding border armies and their families, they can barely be called the middle class and above the group of this era, and it is estimated that there will be no less than 70,000 or 80,000 households and more than 200,000 people.

Such a fairly large group, basically each household has savings of thirty or fifty taels of silver or even more, if it is averaged, Feng Ziying estimates that basically each household will not deposit less than two hundred taels of silver, if such a huge group of savings can be included in Haitong Yinzhuang, it will easily exceed twenty million taels.

Of course, this is only an ideal number, but when you think of those unfathomable clans, wealthy merchants, and families of martial heroes, as well as the huge gap between the rich and the poor in this world, this number may even be more conservative, and it is possible to double it.

This is a long-term guidance process, if the savings of these people can be mobilized, then even if Haitong Yinzhuang can only share a spoonful of the largest share of the soup, it is enough to support many of Feng Ziying's future layouts.

This question has always been coiled in Feng Ziying's heart, even if he leaves the Zhongshun Mansion and returns home, he is still thinking about it.

King Zhongshun should have put a lot of thought into it, according to what he said, but the amount of shares in the clan may exceed one million taels, and may even reach more than one and a half million taels, which is also greatly unexpected by Feng Ziying, in his opinion, three and a half million taels should be a reasonable number, but he didn't expect King Zhongshun to be so powerful.

If you add other businessmen and martial heroes in Jingshi City, more than two million taels of shares, Jingshi City alone can be easily managed, and its smoothness makes Feng Ziying surprised.

The success of the IPO also brings another pressure, that is, these capitals need to be lent out, otherwise no matter how low the interest rate is, such a large amount is enough to make it difficult for this newborn baby to support it, and the key is that it will make these people lose confidence.

According to the terms of the plan between Zhongshun Wang and Feng Ziying, after Haitong Yinzhuang officially operates for one year and dividends, Yinzhuang can withdraw its shares, but it will not be replenished after the withdrawal of shares.

Jingshi City can raise more than two million shares, plus the shares from Yangzhou and even some businessmen in the south of the Yangtze River, Feng Ziying is confident that the share capital of Haitong Yinzhuang will be pushed up to five million taels, plus the capital deposited in the account, the capital of seven or eight million taels needs a place to go in order to satisfy the hungry eyes of a few shareholders, which has made Feng Ziying, who was originally full of confidence, feel a pressure.

Therefore, many tasks that I originally thought could be put on hold need to be started as soon as possible, especially to find more suitable lending partners.

The development of industry and commerce in this era has improved somewhat, especially as soon as the policy of opening the sea is liberalized, silk weaving, cotton spinning, tea making, ceramics, medicinal materials and other industries that were originally the main export industries will immediately usher in a wave of explosive expansion, which is also the opportunity of Haitong Yinzhuang, but how to resolve the risk of accurate lending, this has become the primary task of Haitong Yinzhuang, a crab eater.

The imperial court started to build Denglai, opened up the Denglai-southern Liaoning route, and opened up the Denglai-Ezo-Haixi, savage Jurchen line, from the construction of the wharf to the shipyard shipbuilding, and then to the exploration and colonization of the route, all need support, in addition to part of the imperial court's appropriation, many need to be supported by loans.

This is also the exchange condition for the cabinet to agree to the account opening of the account in Haitong Yinzhuang.

Don't think that these old guys can't see the doorway here, they also know very well what kind of benefits the imperial court's endorsement of Haitong Yinzhuang in this way will bring to Haitong Yinzhuang.

Who will take on the future management of Haitong Yinzhuang needs to be considered now.

Feng Ziying tentatively solicited the advice of King Zhongshun on the palace of Zhongshun, and King Zhongshun also found it tricky.

After all, the nature of this kind of silver village is completely different from that of ordinary money shops, not only to make profits, but also to bear some political tasks of the imperial court, and the business is basically similar to the usury model, of course, from the purpose, interest rate, risk control, etc., are completely different, but in the final analysis, it is to make a profit from lending, support industrial development, and provide development convenience for industry and commerce.

For these three purposes, for other shareholders, the importance of them decreases in turn, but in Feng Ziying's heart, it is necessary to make profits and support the development of the industry.

The problem is that there are too few people who can understand these meanings, and can still be responsible for execution, but also understand this aspect of the business of making a living, and it is even more difficult to be recognized by Feng Ziying and Zhongshun Wang, the two chief initiators of the silver village, in terms of loyalty and credibility.

Feng Ziying estimated that in the end, I would probably have to let Duan Xigui try first, Jia Lian assisted, Duan Xigui was responsible for the main business, such as risk control of savings and lending, and Jia Lian was responsible for the management and response of daily administrative affairs.

Start with Yangzhou, and strive to completely build Haitong Yinzhuang Yangzhou within three months, and then consider Jingshi.

And the preparations made by Duan Xigui in the past few years in Linqing can also come in handy.

If it's really not good, you can only use all the people who can use it first, and slowly choose it in use.

Feng Ziying even considered whether to transfer the two who were sent to Lin Ruhai to transfer salt, so that the two boys in the Si Yamen were summoned back and used first.

I had thought about making some preparations in this regard before, but I didn't expect King Zhongshun to make progress so quickly.

This also made Feng Ziying realize that she still underestimated the people of this era, and also underestimated the ability of clan princes like King Zhongshun, some people are not incapable, but specific identities limit their play and performance, and this King of Zhongshun should belong to this category.

Duan Xigui and Jia Lian are not special talents, but now they are also the generals of Shuzhong, Liao Hua, as a pioneer.

At least Duan Xigui has run Fengrunxiang, has the experience of making a living or a "chain enterprise", and is also very familiar with new arithmetic and double-entry bookkeeping, plus he has the special identity of his cousin, which can be said to be reasonable on the side of King Zhongshun and Jiangnan merchants.

Jia Lian is a little mediocre, but he is better than his identity, his personality is stable and gentle, and he looks dignified, he is also a strong point in dealing with people, and his ability to socialize and coordinate with others is barely passable.

Thinking of Feng Runxiang's matter, Feng Ziying pondered for a while, and was she happy to use Xue Zhen as well?

Although Xue Zhen is a little younger, he can barely get by at this age, especially letting him learn to do things, which is very beneficial, but the only obstacle is that he is still in the period of filial piety.

Three years and twenty-seven months of filial piety, he has just passed half of it, although Xue Zhen is not an official, but it is also an official eunuch, and filial piety may not be able to do anything, but if he is allowed to leave his hometown and come to Yangzhou, it is still easy to attract criticism and accusations, and Feng Ziying does not dare to risk such a big disapproval in the world.

But Jinling is also a key layout in the south of the Yangtze River in the future, and the core city of the entire Nanzhili will sooner or later set up the Haitong Yinzhuang Jinling, so it is also possible to let Xue Zhen learn to prepare for it first, and when the time is ripe, it will be done first.

To do things these years, there are really only these choices, either relatives or old ones, or classmates and friends, all in all, the meritocracy can only be said.

Even you can't believe it, how dare you just hand over your henchmen to him?

Duan Xigui is a blood relative, needless to say, Jia Lian has also been friends for many years, even if he knows the roots, Xue Zhen is also quite related and can be trusted, who else does Feng Ziying dare to trust?

There are a lot of classmates, but everyone wants to go to the official career, where is it possible to do such a businessman to make a living, no matter how beautiful it is, it is impossible to make these people change their minds.

Returning to the house with a full stomach, Feng Ziying really felt that she had been in this world for so long, and there were few talents around her who could be used, which was also worth summing up her experience.

Wang Wenyan's team also has a few available people, but the contact time is still short, and it is still in the investigation period, except for Wang Wenyan and Wu Yaoqing, who are gradually gaining trust, several other people still have to observe.