Of course, Liu Ba didn't feel confident before he got started. After he got started, he knew that his bank needed to be linked to Taishan Bank, and the family had already agreed to Chen Xi's request, and 70% of the money had been transferred to the main bank by Chen Xi.
Without this constraint, Chen Xi would not and would not dare to open a bank to Cao Cao. After all, he would have to bear credit risks, and after taking 70% of the cash, the credit risks he took were already very small.
After all, the distance between Yongliang Bank and Taishan Main Bank and the time required for the round trip are enough for Chen Xi to tear down the east wall to repair the west wall. Basically, there will be no large-scale runs. There is no credit crisis now.
What's more, as the copper from Luzon gradually moved to Donglai, and then to Fenggao, the commercial center of the world established by Chen Xi, and then under Wang Xiu's supervision, money flowed into the hands of the people of the aristocratic families, gradually it could be completely Eliminate possible credit problems.
To be honest, if it were not for the private engraving of the Hou Yinyi clan, Chen Xi would not dare to use his own seal as the basis for credit currency. In addition, Chen Xi made these in triplicate and compared them one by one in front of all the people who exchanged the bills. This kind of formality is the most reassuring thing for the family.
This is not something that can be explained by simply setting up a clever name and demolishing the east wall to make up for the west. The construction of this system started with the establishment of merchants, unified management of business, formulation of rules, and supervision of the business system, and gradually became independent.
It is precisely because Chen Xi sent people to supervise the transactions between wealthy merchants to ensure the internal stability of the chamber of commerce, and let supervisors act as intermediaries to ensure that numerous large transactions in a year not only promoted business prosperity, but also made wealthy merchants understand that big businessmen The importance of intermediaries in a transaction.
Because no one wants to carry more than ten tons of copper coins for transactions, but deposit the money with a middleman and then pick up the goods. Then, with the ability of Chen Xi, the middleman, the money can be instantly traded to the payee.
After all, escorting hundreds of millions of money through official channels on Liu Bei's side cannot guarantee absolute safety, let alone the area where Cao Cao and others are. If they are robbed, they will cry, but give the money to Chen Xi. Then Chen Xi will transfer the money directly, and then the county where the payee is located will allocate the money directly from the treasury.
Of course, this is also because the power has just been established and there are no mountains yet. This kind of central government collects money. Only the method of signing a contract at the county office is acceptable, but this transaction method is indeed very fast and very safe, so all merchants hope to join this transaction method.
Chen Xi's original intention at that time was to let the wealthy family members taste the sweetness and then join this trading method. So after other businessmen made this request, Chen Xi collected a membership fee and agreed to their joining. Naturally, Chen Xi's business information became more complete.
Others cannot see the complete information on the world's business. Even the three managers of the Chamber of Commerce cannot fully see the information related to the people's livelihood and business in the world. However, with the entry of the world's wealthy businessmen, Chen Xi has acquired business information from all over the world. .
Chen Xike is different from those businessmen who are looking for a new home. Last year, Chen Xi was already controlling everything behind the scenes. This is why Chen Xi can guarantee that he will not lose money.
When someone wants something, Chen Xi orders someone to check and buy it at a low price. Then in an instant, you get rid of the money, one in and one out, and the money is in hand. Even if the profit is only 5 cents, the profit of 100 million yuan is still millions.
By the way, because of Chen Xi's approach, Feng Gao claims to be able to buy everything in the world and sell the things you have as quickly as possible. Because he has information about the world's business transactions, Chen Xi basically wants everything.
At the beginning, Chen Xi had more than a hundred vests specially used to buy and sell various things. Of course, Fenggao officials also sell some information.
For example, who wants this batch of goods, what price, or what do I want. Whoever has it, the asking price is not high, basically one gold to ten gold.
However, many of these are vest information posted by Chen Xi, but there is no shortage of people who come to spend money to buy information. Chen Xi's vests are collected and sold in various ways.
Unfortunately, the good times ended in the second half of last year. A group of businessmen who were in a hurry also began to do this, and more and more of them began to do so.
Precisely because of the intervention of so many Fenggao officials, businessmen in Fenggao eventually got used to the existence of the officials, because the officials could guarantee that they would not be cheated, and Chen Xi hated such guys who did not follow the rules and even crushed them. A few guys died to establish their authority.
Therefore, businessmen and business-backed families still recognized the credibility of official rulings. Then one day, Chen Xi suddenly felt that running around as a middleman every day was too troublesome, and there were too many people to support. Let's find another way.
This method is the so-called banker certificate, which is why the family has never suspected it. They have always regarded the exchange certificate as the previous middleman certificate, and this new certificate can barely be regarded as witnessed by Chen Xi. After all, Chen Xi personally stamped the seal. , in triplicate.
But unlike the middleman, this certificate is paper after all and can be carried with you at any time. After all, no matter how good your relationship is with the middleman, you cannot carry the middleman with you.
Everyone is lazy. Although it was Chen Xi who indulged himself, I don’t know who was the first to use the voucher to trade. After that, all the aristocratic families and wealthy businessmen followed suit. This thing is much easier than running around with money, so There are more and more big deals.
By the way, when this trading method first appeared, Chen Xi even hypocritically warned the aristocratic families and those big businessmen not to do this, as this would make them dizzy when the officials gave them money.
As a result, Chen Xi, who is known as a eloquent scholar, was persuaded by these guys who love money as much as their lives. As expected, he blocked other people's money paths. The fighting power burst out by others will definitely shock you.
The aristocratic families and wealthy businessmen have already experienced the convenience of this kind of transaction. They have to go back to the transaction where they haul a few tons of money in a car, spend more than a month traveling to another state, and risk their lives. Way, there is something wrong with my brain!
So Chen Xi was persuaded by the aristocratic family and wealthy businessmen, but they also imposed many restrictions. One was the deposit, and the other was that large amounts needed to be withdrawn in person. In fact, the second condition was to prepare black money.
Back then, the National Bank of England had such insurance. You could only withdraw money if you came in person. If you don't come in person, it doesn't matter who you are, whether you are a direct descendant, a sister, or a parent. It's completely useless. We are just like this insurance.
Of course, Chen Xi's moral integrity will not be so low. He still pays attention to his face, but if someone has a whole family to say goodbye, then I'm sorry. In these troubled times, who knows if you will say goodbye that day.
Therefore, if Sun Ce and Cao Cao kill a wealthy businessman who has paid a deposit, Liu Bei will get a share of the pie. Therefore, Chen Xi will sometimes secretly sell dirty materials to Cao Cao about wealthy and unkind businessmen when he is out of money. (To be continued.)
PS: Please count the votes and save me. It seems that you can’t say anything outrageous in your speech now, and it will be automatically blocked~
