Duan Xigui's originally full cheeks quickly lost weight, and even his eye sockets seemed to be sunken a lot, and his footsteps in the yamen were windy, all of which were in Feng Ziying's eyes.

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

According to the previous agreement, some Jiangnan gentry who were optimistic about Haitong Yinzhuang and Feng Ziying, as well as the clan forces led by King Zhongshun behind them, also began to formally negotiate with Duan Xigui and even Feng Ziying about specific shares.

"Up to now, we have negotiated a total of 137 gentry and businessmen from the entire Nanzhili and Zhejiang, Fujian, Huguang and Jiangxi, and it is initially estimated that the share capital can be raised 3.42 million taels of silver, including 2.2 million taels for 68 households in the South Zhili area, 480,000 taels for 23 households in Zhejiang, 340,000 taels for 19 households in Fujian, 200,000 taels for 9 households in Huguang, 200,000 taels for 8 households in Jiangxi, and more than 50 households are still in further negotiations, and it is expected to raise more than 600,000 taels of shares. The total amount of shares raised can reach about 4 million taels. ”

Duan Xigui was already familiar with these figures, and he could tell the amount of business that was negotiated and the amount of shares that were finalized every day.

It can be said that in these years, his mind has been spent on this, and in the future, he may become the big shopkeeper of Haitong Bank Yangzhou, the big boss in charge of millions of taels of silver, and he will also become a pivotal business giant in Yangzhou and even the entire Jiangnan.

On the one hand, the sharp increase in the number of shares has made Haitong Yinzhuang more well-connected and more resilient to external pressure, but it also means that such a large amount of money must find a suitable destination, only in this way can Yinzhuang achieve profitability and reassure these shareholders.

Feng Ziying realized this at the beginning, but she didn't expect Haitong Yinzhuang to raise such a large amount of funds in Jiangnan, so in the process of operation, she needed to open her doors and find the most suitable lending target.

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

"We can choose a good day in May to go public, and of course, more importantly, we need to determine the direction of our business in the near future." At this time, Duan Xigui already had a bit of momentum, and he was no longer as cautious as when he first saw Feng Ziying that day.

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

"I thought about it, and according to your proposal, the future development of Haitong Yinzhuang is divided into three stages." Duan Xigui also came prepared, if he couldn't even convince his cousin, how could he reassure other shareholders?

Feng Ziying smiled, it seems that this performance is still affected by herself, and she will actually engage in planning and stage theory.

"In the initial stage, my idea is to be from now to Wing Lung ten years, belonging to the development stage, taking advantage of the current only one of us to operate this kind of business, to further expand the influence and channels, especially to stabilize the channels of the government, and strive to become the only channel for tax relief, including the governments of the thirteen provinces, and at the same time take the initiative to connect with large and small businesses around the country, so that they can become our customers, and build Jingshi and Datong within the year, and strive to build Guangzhou, Jinling and Hangzhou in Yonglong in eight years, and Suzhou and Wuchang in Yonglong in nine years. Nanchang ,......"

"In addition to further expanding the coverage of our Haitong, we should also work hard to attract depositors and open exchange accounts, which will be the foundation for the development and growth of our Haitong Bank in the future,......

"......, we have carefully studied that our customers are actually mainly divided into two categories, one is attracted by our reputation, willing to deposit silver in the bank, one is safe, the other can also be profitable, this kind of customers include not only ordinary families in the city, but also a considerable number of local merchants, landlords and other gentry and merchant families, it should be said that this kind of people are the main group of our depositors,......"

"......, the other type is businessmen, the number of such households is not much, and the purpose of their main account opening and depositing is not profitable, but for the convenience of deposit and exchange, which is beneficial to business, so we also plan to classify them,......"

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

He also did not come from a financial background, and he did not know much about the modern banking system, but he could only say that he knew the basic operation mode of general commercial banks, so he only talked to them about the difference between deposits and loans as the main source of profits for banks, and how to operate it should be carried out according to the characteristics of this era.

"After careful investigation and understanding, we believe that the two types of customers should adopt different business models, the first type of customers, their main concern is the safety of their money, and then profits, so we think that in terms of interest, it is not appropriate to set too high, Ziying, the original standard you proposed is not feasible, far beyond the ,...... to bear"

Feng Ziying hurriedly interjected, "Cousin, I just made a casual suggestion at the beginning, and all standards should be subject to the conclusions you draw 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 practice, they need a lot of modifications or even major changes, and now it seems that his cousin still knows very well that many things cannot be imagined alone.

"We consider that the deposit of less than one year does not consider the payment of interest, and even the interest of less than three years will be relatively low, and the current deposit does not pay interest, and if you withdraw it in advance for temporary emergency on a regular basis, you also need to pay a small handling fee if you do not pay interest,......

Listening to such harsh conditions completely subverted Feng Ziying's previous imagination, Feng Ziying couldn't help but smack 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, but as a special exchange channel approved by the imperial court and even as a special exchange channel for the imperial household department and the Zhongshu department, we are qualified to put forward this standard, you can imagine that these gentry and landlords put their silver cellars underground, first, they have to worry about attracting bandits and bringing danger to their families; Second, it is necessary to arrange people to guard it every day, which is not only expensive, but also how tiring? ……”

I have to say that Duan Xigui's point of view hits the nail on the head, like ordinary gentry and landlords who don't do business and lend money, they usually don't have any big expenses, and it is more than enough to have three or two hundred taels of silver in their homes, but in addition to the fields, they have more or less three or five thousand taels of silver, but as Duan Xigui said, the risks and consumption are self-evident.

If you can deposit it in the silver village in the city, you can not worry about the interest survival period, if you are stable and save a year fixed, you can also have some interest, even if it is not much, but you can also earn a pocket for your children and grandchildren, if you want to leave a family foundation for your children and grandchildren, simply save for three years and five years, then the interest will not be low, and the repayment of principal and interest will be considerable.

Feng Ziying nodded silently.

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

Duan Xigui himself was originally doing business in Datong, and he was very clear about the business situation in the north, and later he was dug up by himself and came to Shandong to run Fengrunxiang with the Xue family, and in just three years, Fengrunxiang was run into a windmill, which also fully shows that the other party's business ability is much stronger than his own half-baked man who has a little memory of his previous life.

And the most important thing is that Duan Xigui is familiar with the current business situation in various places, after coming to Yangzhou, Wang Wenyan and they also provided Duan Xigui with the situation of Nanzhili, it can be said that Duan Xigui is now quite familiar with the operation 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 this way, although this kind of business seems to have a large amount of money and silver, but they are mostly in other places to deposit and exchange, which will have a certain risk and operating costs for our silver village, then we have to charge a certain fee for this kind of remote deposit and exchange, of course, for these customers we can consider grading, when its reputation reaches a certain level, or cooperate with our silver village to reach a certain standard, we can consider exempting ,......"

Feng Ziying didn't have the heart to listen any more, just because Duan Xigui was now planning the difference between VIP users and ordinary users to seek greater profits, he knew that this cousin had been completely brought to the Tao by himself.

Credibility is the most important thing, both for Haitong Yinzhuang itself and Haitong Yinzhuang's customers, which is the core of finance.

Therefore, when Duan Xigui chattered about how to tap high-quality customers, especially loan customers, and lend 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 was extremely proud that she could quickly bring out a student who was infinitely 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 how much his cousin attaches importance to Haitong Yinzhuang, and he even said to himself that compared with the opening of the sea bonds and concession funds and even the Dongfan Reclamation Salt Service, Haitong Yinzhuang is the foundation of the future Great Zhou, which made Duan Xigui shocked and a little incredulous.

The foundation of the Great Zhou, what status has this 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 to it meant that it was definitely not a lie.

"Cousin, I agree with what you mentioned, but this year alone, it is a very heavy task to open Yangzhou, Jingshi and Datong, and these apprentices you bring out are far from enough, what do you think?"

This is the key, there are not enough talents, if you want to do such a big thing rashly, it will only be too big a step.