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A few people left the workshop and sat down to drink tea in the living room, while Xie Lunhui was still looking at the banknotes in his hand. There are four types of banknotes printed this time, the smallest is five cents, then cents, then dimes, and finally yuan. Except for the five-cent coin, the others are one, two, and five denominations, and the highest yuan currency is ten yuan. In addition to the patterns that should be on it, the corresponding numbers are in Manchu and Mongolian.

After reading it, Xie Lunhui asked, "Xiao Xu, do you want to have more small bills outside the customs?" ”

Wang Jitong said: "Yes." ”

Xie Lunhui said: "The situation outside the border is chaotic. Besides, now that Japan and Russia are at war, when will it be over? ”

Wang Jitong said: "There will always be a day when it will end." No matter which country wins, the business will still be done. Besides, now the east side of the road is still peaceful, these banknotes were originally intended to be used in the east side of the road, Fengtian, Niuzhuang and Liaoxi did not dare to go. ”

Wang Jitong's statement Xie Lunhui agreed, Niuzhuang has been open to trade for decades, and the relations between various countries there are deep, and as for Mukden, no matter who occupies Japan and Russia, they are not willing to spit it out, and Japan's Kim Zheng Bank and Russia's Daosheng Bank will regard it as their own territory. Now Wang Jitong's layout is only along the Antongfeng Railway, so it is still feasible.

Xie Lunhui nodded approvingly, and said: "The last time Hanzhang said that he would transport and sell soybean cakes and soybean oil outside the customs to Liangjiang, Fujian and Zhejiang. In Xie Lunhui's view, whether it is a private bank or a bank, its banknotes are all vouchers for loans, and if they sell goods with banknotes in the Northeast, then after selling the goods, they will naturally have to transport the money back to the banknotes before the exchange of the banknotes outside the customs. In this way, credit can be generated.

This naïve idea of money has both positive and negative sides in a society that is becoming more and more commercialized, because in modern commercial society, regulating interest rates and the total money supply can influence the economy. Wang Jitong couldn't explain such an esoteric thing to Xie Lunhui. only said: "The soybean cake has a long-lasting fat effect." It is much better than the usual farmhouse fertilizer, the sugarcane fields of Liangguang generally like to use this fertilizer, and Liangjiang, Fujian and Zhejiang are also used more, if you bypass the intermediate grain stores and commercial banks to collect directly outside the customs, and then transport and sell to farmers after processing. The profit is still quite lucrative. As for soybean oil, in addition to eating, if it can be used to make pancreas, it will be more profitable. ”

Northeast China is the main producer of soybeans, but according to the basic analysis of data, Northeast China is all export raw materials, and the pricing power and most of the profits are basically controlled by foreigners. Now that he has a foothold in the Northeast, Yang Rui doesn't want to be just a coolie for the bottom of the farm, and it is inevitable to eat the entire industrial chain like the monosodium glutamate industry. Last year, the hydrogenation of soybean oil has already begun - thanks to the high school chemistry textbook, the first section of the fourth chapter of the foundation of organic chemistry has the equation of oil hydrogenation - the specific vegetable oil hydrogenation research has been carried out for a period of time, although there are no major results, but now there are two to three percent of soybean oil in the soap produced by 6 lines. Although the soap base from vegetable oil is too soft, the proportion of the oil is small, which has little impact on the product, so the cost can be saved. In the future, if the process problem of soybean oil hydrogenation is completely solved, then the hardness problem of soap base will be naturally solved, and the profit of soap making will be better than monosodium glutamate.

Xie Lunhui didn't think of so many things, in his opinion, as long as the soybean cake and soybean oil shipped out are not at a loss in Shanghai. If you can repay the debts owed outside the customs and don't lose money, then this bank can do it. He stroked his beard and said, "So good, so good." However, Xiao Xu Ke has ever heard of the depreciation of the copper dollar? ”

Seeing that the elder had some teaching, Wang Jitong hurriedly saluted with both hands and said, "Please also ask Mr. Leng Hui to teach." ”

Xie Lunhui didn't want to show off, just as an elder's advice to the juniors, he said: "This copper yuan Gengzi was rare before, and it began to flood after Gengzi. Nowadays, according to the weight of the price of one or two guanyin to buy copper can make 252 copper dollars, but if these are cast into 50 or 100 copper dollars. Exchange it back for one or two levels of silver, and it only costs one hundred and forty pieces. In this way, one in and one out, you can get a profit of 112 copper dollars, if the copper yuan is added with more lead and zinc and other things, or when 100 copper dollars are more. This profit is about to be one or two, but it is double the profit. Now we have 16 mints in the Qing Dynasty and 846 minting machines, which can mint more than 160,000 coins a year, and each of the 40,000 people in the Qing Dynasty will have 40 coins. With so many copper dollars flooding the market, something big will happen one day. Xiao Xu wants to run a bank, but this copper dollar should be careful. ”

What Xie Lunhui said was actually the government's indiscriminate use of currency to depreciate the currency, but the paradox was that it was not paper money but copper coins that I used to indiscriminately clean up. Wang Jitong still understands this concept, and said: "If this continues, there will be chaos one day, and the court doesn't care?" ”

Xie Lunhui said with a smile: "If you can mint millions of coins every day, the annual income will be more than one million taels." With such a generous profit, how could the local governor be willing to stop? At this he paused and took a sip of tea.

Speaking well-intentioned, the listener is intentional. Wang Jitong couldn't help but think about whether he could take advantage of the future depreciation of the copper yuan to occupy the two rivers, Fujian and Zhejiang, the two lakes, and these places. At that moment, he took the printed five-cent and five-cent banknotes and asked, "Mr. Leng Hui, in a few years, this copper dollar is bound to depreciate greatly." I just don't know if this kind of small money can work in Liangjiang at that time, and if so, how to prepare? ”

I wanted to kindly warn Wang Jitong not to mess with Tong Yuan, but I didn't expect him to be able to attack and turn disadvantages into advantages, although he took it for granted, but his idea was still very constructive. After Xie Lunhui finished drinking the tea, he stroked his beard and said: "Xiao Xu, now this Yangtze River is the world of the British, and foreigners' banknotes circulate a lot in Liangjiang, Fujian and Zhejiang. If we put paper money here, not only will we rob HSBC of its business, but other foreign banks will not sit idly by. ”

Seeing that Wang Jitong was listening, Xie Lunhui paused, and then said: "In the Shanghai money industry, first the ticket number, but after Mr. Xueyan, the ticket number has closed down a lot, and now it is mostly a money bank. This money bank can basically be divided into four types, for Yuan, Heng, Li, Zhen four, etc., the division of labor is different but interdependent, and the foreigner's bank is to do the things of these four kinds of money in one place. If the two rivers want to make paper money, then the natural bank will be opened all over the county, so it is bound to be incompatible with the money banks in various places. ”

Xie Lunhui is worthy of having worked in the money industry for decades, and he knows very well about the depth and shallowness of the water. Skip this topic. Xie Lunhui said again: "As Ade said last time, Xiao Xu asked Lao Yu to help find some people who are proficient in Western banks to help Xiao Xu set up a bank in Northeast China. It is estimated that I heard that the old man participated in the management of the Commerce Bank, but in fact, the daily affairs of this bank are in charge of the foreign Taipan. The old man just helped Master Sheng and Master Chen to serve as staff officers. If Xiao Xu wants to find someone who is proficient in Western banks, he still has to find a foreigner. ”

Wang Jitong originally wanted to find someone from Xie Lunhui, but who knew that he would shirk it like this. Commerce Bank is looking for an American to do a foreign class, the salary is ten times that of the BGI class, not to mention, it is recommended by HSBC, if you find such a personal internal disharmony, not to mention. HSBC knows the inside of the bank. It is impossible to let foreigners do big classes, especially people from the banking circles in Shanghai to do big classes in the banks of the Renaissance Society. After Xie Lunhui finished speaking, he said a few more polite words and left.

Xie Lunhui had left, Wang Ji and Ben were going to Yu Huizu to discuss things, but Zhang Kun, who was greeting at the banknote printing factory, had something to say, "Sir." Students have something to say. ”

This Zhang Kun is the first batch of excellent trainees in the management training class, because he is more meticulous in doing things, and he is also diligent, and his family was also a money bank earlier, he was arranged by Wang Jitong on the financial side, and the banknote printing factory was guided by foreign teachers, Zhang Kun knew pidgin English and asked him to assist, under his management. After a few months, the banknote printing factory was well maintained. Because he was born in a Qianzhuang family, he can distinguish some things from Xie Lunhui.

Wang Jitong knew Zhang Kun's personality and knew that he must have seen something to speak like this, so he sat down again and said, "Say it." ”

Seeing that Mr. Zhang Kun agreed to speak, he was overjoyed and said, "What Mr. Leng Hui said is a real place and a ...... False places. ”

Wang Jitong was a little surprised. Qi Dao: "Hmm. Instead, tell me what Mr. Leng Hui said and what he said was untrue. ”

Zhang Kun said: "What Mr. Leng Hui said about the copper yuan is true, and what he said about paper money cannot be done in Liangjiang is not true. After he finished speaking, he looked at Wang Jitong and saw that Mr. began to think. Knowing that his words had attracted the attention of his husband, he continued: "The depreciation of the copper dollar has now become apparent, last year one foreign dollar in Shanghai could be exchanged for eighty copper dollars, but now one foreign dollar can be exchanged for ninety-four copper dollars, given time, I am afraid that in a few years, one foreign dollar will be exchanged for two hundred copper dollars." Seeing Wang Jitong nodding, he said again: "If the goods in the northeast are sold in Liangjiang, Fujian and Zhejiang, the copper dollars collected can be exchanged for silver dollars by the traders in the local area, so there is no risk to the bank, but the loss of this redemption should be added to the price of the goods; The other is to collect copper dollars from traders from all over the world, and then collect them and transport them to Shanghai for payment, so as to reduce the cost of redemption and reduce the price of goods, but this risk is mine. Both methods work, as long as someone controls it, there is no big mistake.

Mr. just wanted to take advantage of the depreciation of the copper dollar, and it was an excellent idea to walk in the land of the two rivers, Fujian and Zhejiang, and the two lakes of paper money. Just now, Mr. Leng Hui said that foreigner banks would oppose it, and the students saw that foreigners' banks such as HSBC would not rely on small banknotes, and that they basically did business with money banks, foreign banks, and large households, and that no one could do business in the prefecture and county, and it was not uncommon for them to do. As for the local bank, they may oppose the establishment of our bank, but they have not the slightest solution to the banknote bank. This money village generally does not have much capital, like those large ones in Shanghai The capital is only 350,000 taels, if it is in the prefecture and county, the largest money village has tens of thousands of taels, and the small one is about 12,000 taels, which is not enough to squeeze against our bank; If you are still not at ease, you can be like the Qichang Steamship Company, and follow the flag of foreigners, and you will not dare to oppose the money in the prefecture and county. ”

Hearing him talk about the methods of the Qichang Steamship Company, Wang Jitong couldn't help laughing, now the Tonghua Steamship Company is doing this, otherwise it would not be possible to go back and forth to Tonghua with the permission of the Japanese army. Zhang Kun is worthy of being a family of money makers, and what he said is still very reasonable, Wang Jitong asked: "Then why doesn't Mr. Leng Hui know that it is feasible to make paper money in Liangjiang and other places, why is he opposed?" ”

Zhang Kun was stunned when he heard this, and then said: "The student doesn't know. It's just that if you live the belly of a gentleman with the heart of a villain, I think it's because of the faction. ”

"Factions?" Wang Jitong asked

"Yes, sir." Zhang Kun said, "The money industry in Shanghai is divided into foreign businessmen and Chinese businessmen, and most of the Chinese businessmen are opened by Shaoxing people. As the saying goes, 'no matter how ruthless the Shaoxing people are, they have to endure the Dongting Gang', and the foreigner bank and the local money bank are two factions. As for the Chinese businessmen, except for the Shaoxing people. There are also a lot of people in Ningbo who open money villages, and the most famous ones should be the Fang family in Zhenhai, the Ye family and the Li family in Ningbo, so Ningbo and Shaoxing are two factions among the Chinese businessmen. Mr. Yu is a native of Ningbo, but Mr. Leng Hui is a native of Shaoxing, if the bank's banknotes are in Liangjiang, Fujian, Zhejiang, Lianghu and other places, then the dominance of the money industry will no longer be Shaoxing people but Ningbo people. Mr. Lenghui's objection is not a feasible plan. It's that the plan is very doable. Nowadays, our Tianzi brand is getting bigger and bigger in Shanghai, and there are more and more profits, and it is a sure thing to run a bank, if the commercial bank does well, and the bank does well, then I am afraid that it will not be able to fight foreigners. I can't beat the people of Ningbo internally. ”

Ningbo businessmen have several families that are very famous, such as the Zhenhai Fang family, which is a legend in the Shanghai business community, the reason why the Ningbo business gang can be called the business gang, the Fang family as a leader can be said to be indispensable. Even now the Fang family is also quite influential in Shanghai, if it weren't for the fact that the Fang family's money bank is generally wholly owned by his own family, Wang Jitong would also want to open a bank with the Fang family.

After listening to Zhang Kun's analysis, Wang Jitong was speechless for a while. He wasn't thinking about the banknotes. But this China is really as Cheng Cheng said, there is only a family and no country, and only recognizes relatives and does not recognize alienation. He said: "Then Mr. Leng Hui said that there are no talents who are proficient in Western banks is not true? ”

Zhang Kun said: "This is the truth, even the foreign class of the Commerce Bank is only invited to be the façade, and the money bank is still running inside." ”

Wang Jitong said: "In this way, it seems that this bank is still difficult to run." ”

Zhang Kun wanted to say something when he heard this, but he couldn't bear it, Wang Jitong said: "Xingjian, you can say whatever you want." Although it has been a few days since he graduated, Wang Jitong still remembers his words.

Seeing Wang Jitong's statement, Zhang Kun no longer twisted. "In fact, there are still talents. It's just that you can only fight, you can't be alone, I don't know if this gentleman is good or not. Seeing that Wang Jitong didn't speak, he had no choice but to continue talking, "This Mr. Leng Hui's son, Taofu, and the student are classmates in the training class. The relationship is very good, especially Tao Fu grew up in the money village since he was a child, and the things in the money village are very familiar with by heart. There are also students who are willing to go to the Northeast to make a small contribution. ”

Zhang Kun's voice became smaller and quieter the more he spoke, and in the end he was basically inaudible. Originally, according to his temperament, he would not have recommended himself so boldly, but since his father helped Hu Xueyan more than ten years ago, he made the money bank bankrupt and fell into the middle of the road, and his father finally died of depression. Last year, he heard that the training class of the instrument hall taught Western business, so he gritted his teeth and quit his job, and planned to go to the wharf to do hard work if he did not succeed in learning, who knew that the life experience changed in half a year, and the training class was assigned to the banknote printing factory. In the first half of the year, he spent a lot of effort since the establishment of the banknote printing factory, but after the banknote factory was opened, the dream of the money bank in the past came back to life.

Although Wang Jitong is strict, he doesn't pay much attention to the upper and lower rules, they are all rebels, and there are so many rules, so he didn't feel anything wrong with Zhang Kun's bold self-recommendation, he thought about it for a while and said: "Xingjian, it's not impossible if you want to go to the Northeast, the important thing is that someone has to take over the affairs of this banknote factory; And if Tao Fu wants to go, Mr. Leng Hui must agree, if he doesn't agree, then it is not good to go. ”

Zhang Kun, who was nervous, was overjoyed when he heard this, but he was ecstatic in his heart, but his face did not have much smile, but his eyes suddenly brightened, and he said: "Sir, don't worry, if you want to go to the Northeast in the next few months, you will definitely explain the matter of the banknote printing factory, and Taofu will definitely consult Mr. Leng Hui's opinion." ”

Wang Jitong nodded and stopped talking, Zhang Kun and Xie Taofu are still good, they are familiar with the affairs of Qianzhuang and they are also stable, so he is still relieved to send them over. It's just that this person who picks the lead still has to find another one, but if he can't do it, he can only let the United States see if there are suitable Chinese, and if he can't do it, he can only let the foreign devil Lao Mai find a foreigner in the United States. Of course, these are just a turn of the way in his heart, and he is still thinking about the matter of replacing the copper dollar with the paper money just mentioned, if it can be done, then the revolution will succeed in the future, and the revival will clean up the financial currency, which will be twice the result with half the effort.

Wang Jitong hurriedly walked out of the banknote printing factory and went straight to the instrument hall on Sima Road. In addition to meeting with Mr. Leng Hui today, there are two other things to do. This meeting with Yu Qiaqing and Yu Huizu is for the second thing.

The scientific instrument museum on Sima Road has long been moved to the more decent Tianzihao headquarters building, but Yu Huizu is very nostalgic, only saying that this is the place where he first started, the feng shui is excellent, and he still opens a store here, he likes to come here often if he has nothing to do, and he wants to talk about things with Yu Qiaqing and Wang Ji today.