Ma Qianzhu asked: "Are there too many points? How much manpower will be invested in this?"
"Not many. [Read the latest chapter]" Yan Ming said, "Our plan is to use local indigenous people as much as possible and send one or two people to do activities. They will only appear as businessmen."
Of course, going deep into the heart of the Ming Dynasty to set up sites requires a lot of money to run, and the time traveling public does not have the strength at the moment. So the current plan is to open a bank in Guangzhou.
"People generally don't accept new things easily," Yan Ming elaborated on his idea. "At the beginning, you can put it directly under the Guangzhou station system, and first absorb deposits through Zizhenzhai - this company already has a relatively high credit, so it can attract deposits It will be easier. It is estimated that it will not be long before Zichengji can also absorb deposits. The deposits collected by these two companies will be allocated and used in Guangzhou Bank. The financial transactions of various merchants under Guangzhou Station will also be transferred after the funds are transferred in and out. Let the bank handle it all. Slowly build credit."
In this way, it is equivalent to taking back the financial rights of Guangzhou Station. Everyone on the executive committee naturally knows the benefits. Guangzhou's Zishi Group's business is getting better and better, its business scope is expanding day by day, and more and more merchants are visiting the local area. Various financial problems are very prominent. Firstly, the payment for Guangzhou Station is just to fill in the payment form, register the purpose of expenditure, and then it will be spent directly from Guangzhou's accounts; secondly, the cash is completely self-received and paid. Lack of supervision. Although there is a financial audit every quarter, it only checks the incoming and outgoing accounts. As for various temporary expenses, it is impossible to verify them at all.
"Lack of supervision power will inevitably lead to corruption." To the executive committee, Guangzhou Station is now a large state-owned enterprise that lacks supervision. In the past, the situation was small. It doesn't matter if you go in and out a little bit, but now that the situation is getting bigger and bigger, you have to pay more attention to this aspect. If the four people from Guangzhou Station join forces to cause trouble, it will be difficult for Lingao's Finance Committee to detect it.
Thinking about the fact that there will be more and more overseas agencies in the future, the Guangzhou station is just one place now. If there are more places in the future, wouldn’t it mean that the situation will become more and more confusing. Moreover, once a chain of interests is formed in terms of misappropriation of public funds, it will be extremely complicated to clean up. What if someone comes to mobilize the Executive Committee again, or uses bribes and inducements to buy votes from the general public... The thought of it will make all the members of the Executive Committee I can't sleep.
Now that such a bank has been established, all affiliated companies and dealing companies must open public accounts in the bank. Various special funds can also have separate accounts. Each fund flow must be posted and recorded, avoiding the disadvantages of cooking in one pot. .
Thinking about it this way, there are indeed many benefits to running a bank. Not to mention things like exchange, at least the internal control is improved.
"Would this put too many constraints on the company? The person in charge would inevitably be timid."
"No." Cheng Dong explained that establishing a bank and requiring all transactions to be posted is only part of a sound financial system. It has nothing to do with who uses the money and how much, and it does not involve interference with specific operations.
"The financial rights of enterprises are still independent. This will not change." Cheng Dong said.
"So, Lingao should actually open a branch."
"Lingao is now handled by Delong Grain Bank, and we can divide it into part-time operations. All enterprises and institutions currently established must gradually establish financial systems, open public accounts, and strive to open public accounts within the year. The financial work will be fully documented and institutionalized."
So the proposal to set up a bank was approved. In order to avoid having too many brands that are difficult to manage, the one planned to be located in Guangzhou will be called Delong Bank. In terms of management, it directly accepts the command of the Finance Committee.
"Is there a suitable person to send?"
"Yes, Meng Xian is fine."
Everyone knows Meng Xian, but it is not his financial talent, but his impression when he was a shooting coach during the training of the New Army. I remember that he was extremely accurate with his gun, and he was worthy of being trained as a shooter in a sports school.
"He studied in the United States majoring in finance and accounting. He is in his own profession."
Wen Desi thought for a while: "But this person's image is not very suitable."
This man is 18o tall, weighs 9og, has a beard, small curly eyes, and a lot of muscles. He is out of tune with his surroundings as soon as he stands on the street in Lingao. Wouldn't it be more eye-catching if he was sent to Guangzhou?
"It doesn't matter. I think his appearance is very exotic. It's a good cover in a place like Guangzhou where there are many places." Cheng Dong strongly recommended, "And he can also be used as a half-agent. He has a lot of experience in using firearms."
For such a conspicuous person, no matter how good his marksmanship is, he can only be an action officer at best, and it is obviously inappropriate for him to engage in intelligence. But since Cheng Dong strongly recommended it, everyone no longer objected.
"Okay, that's it."
As for the suggestion of putting high-interest lending positions in Guangzhou into the sugar market in Leizhou. The executive committee also approved it - although the risk is higher, it is a business with guaranteed profits. Immediately telegraph Guangzhou to approve the loan.
When Guangzhou received the news, they immediately got busy. Everyone split up and asked Shen Fan to step up the matter of absorbing deposits and absorb as much as they could first. Guo Yi and others were busy with borrowing money first. Guo Yi had already discussed with Zhang Xin and Yan Maoda that although Lingao had not received the letter yet, the matter was urgent and he had to obey the authority. Therefore, we have already established contacts with various companies who may be able to adjust their positions. As soon as the approval message arrived, everyone immediately took action.
But things did not go as expected. The reason is simple. The monsoon is coming, foreign ships will soon set sail, and large amounts of export goods require a large amount of money. Money is tight now throughout the city. Even for such a wealthy businessman, money is tight now. After negotiation, Gao Ji promised that the position he could withdraw at any time was only 30,000 taels. This was only raised by asking people to go through accounts again and again and postpone several payments. Guo Yi knew that in the Leizhou matter, in addition to the 50,000 taels transported away, at least 150,000 taels of silver were needed to ensure victory.
One hundred and fifty thousand taels was nothing in Guangzhou City, but now it was a penny that could hardly kill a hero. Although Shen Fanxian had a way to absorb deposits, it was difficult to save the fire from afar. Moreover, Zichengji has always shown itself as a strong company. If it appears too impatient in lending, it will inevitably "lose its standing". A few people in Guangzhou have been involved in the business world for a few months, and they have a good understanding of the traditional business circle - no matter what your real situation is, you must have the scene you should have, even if you borrow money, you must maintain it. Once you show some signs of fatigue. Things immediately became difficult.
However, if today's matter can be solved, there will be a big turn for the better.
This sedan chair was specially made for him by Shen Fan recently, for visiting guests when going out. Logically speaking, a white man like him cannot ride in a four-person sedan, but Guangzhou has been a port for a long time, and it is common for people to use utensils that exceed the regulations. Four-person sedans are everywhere in the streets. It’s no longer a thing. The only thing that is a little more restrained is that I don’t use green. The sedan is very elegant, with three sides inlaid with glass windows shipped from Lingao - transparent plate glass is quietly entering the lives of wealthy businessmen and gentry in Guangzhou, with colorful silk curtains hanging on the windows, and the sedan bars are covered with copper and polished to a bright shine. The sedan is equipped with bowls, fruits, snacks, and a hookah. If you are walking a long way, you will not worry about loneliness on the way, and you will have everything to entertain you. The sedan is very spacious inside, more than enough for two people.
Guo Yi was a little hesitant at first, thinking that sitting in this sedan was too cool, but Shen Fan persuaded him to do business in jewelry and toys. If the owner is not lavish, his status will be looked down upon, and the store will also lose status. So it is appropriate to be more luxurious.
Originally, Guo Yi wanted to propose a vehicle manufacturing plant in Lingao to produce a batch of high-end carriages to supply to the Guangzhou market. However, after seeing the prices of horses in the Guangzhou market, he knew that it would be difficult to find a market for this kind of product - horses were incredibly expensive. A few carriages would certainly be sold, but not many.
"A carriage, a carriage, just a carriage without horses is not enough -" Guo Yi pondered. His body rose and fell with the rhythm of the sedan. This was not the first time he had ridden in a sedan. He was already used to the bumpy feeling. He was thinking about how to persuade these donors when he met them.
Such bits and pieces of positions can be borrowed. It probably won't exceed 30,000 taels, which is still 100,000 short of the 150,000 figure. Where can I find these one hundred thousand taels of silver? Guo Yi thought hard for a long time and discussed with everyone, but no one could come up with a specific idea.
However, if things go well today, things may turn around.
The sedan suddenly stopped, and the attendant opened the sedan curtain and asked in a low voice: "Ziming Tower is in front, do you want to carry it in-"
"No need!" Guo Yi knew that Ziming Tower is now the first-class romantic place in Guangzhou. There are many dignitaries coming and going, and it is too conspicuous to carry it in in a sedan chair. He's not here to show off.
"Go through the back door."
The back door is secluded and has a dedicated sedan hall. Guo Yi's sedan chair was carried directly in. The steward of Ziming Tower was already waiting for him.
"The guests have arrived?" This was the sentence he said when he got off the sedan chair. It was obvious that the host took this matter seriously, and the steward hurriedly replied: "As for the host, they haven't arrived yet."
"Take me to see Miss Pei." He hesitated for a moment when using this title. Then he thought that he would show off in women's clothing anyway, so he simply agreed to avoid any problems later.
Pepi's boudoir is located in a small courtyard in the back building. The courtyard is full of flowers and trees, which makes it a quiet place amidst the hustle and bustle. This was the first time that Guo Yi came in. When he entered the house, he saw no maid, but a good-looking young man came to greet him and help him change clothes.
A year ago, Guo Yi would definitely have felt uncomfortable and wouldn't want anyone else to serve him. However, he has been in Guangzhou for a long time, and his cover identity is that of a big business owner, so his daily life is naturally different from ordinary people. The so-called "living in the body" and "nurturing the spirit", following Mr. Shen, an old shopping mall connoisseur, everywhere, the people he came into contact with were either rich or noble, and he gradually developed the demeanor of a wealthy businessman. Even in Guangdong Mandarin, it was slow. It's too slow to feel like the 20th century. Started to slowly integrate into his role.
He calmly asked the boy servant to help him change into household clothes, and then wiped his face with a hot towel. Settle in the great room. Someone brought tea and four dishes of tea fruits.
Looking around, this house is quite luxurious. The furniture in the whole hall is made of Guangdong rosewood. In another time and space, this set of things would probably not be worth a million dollars. There are many famous calligraphy and paintings hanging on the walls. A gift from one person to another. The most eye-catching thing is a large floor-standing mahogany clock, which is the only thing in Guangzhou. The "internal organs" of this big clock were all brought from another time and space, and only the outer shell was made by local craftsmen.
What is not very coordinated is the kerosene lamp placed on the table. Although it has a beautiful lampshade, its shape does not match the entire room. As for the rows of rattan shell hot water bottles lined up on the Fujian lacquered low cabinet, it makes people feel that time and space are confused.
The boy servant came to the curtain and whispered: "Dongzhu Guo is here."
Pepi, whose pseudonym was Pei Lixiu, opened the curtain in person and walked out gracefully. She saw that she had lost a lot of weight because she was in charge of Ziming Tower these days, and she had lost a lot of weight, which was more in line with the aesthetic taste of this time and space. The face is lightly powdered, the eyebrows are picturesque, and the eye waves are flowing, but there is no strange taste in it.
When she came out, she received a blessing: "Lixiu has met the proprietor."
This blessing can be regarded as recognizing Guo Yi as her boss on the scene. Although it is acting, it is very necessary. Otherwise, a single woman of unknown origin who opens such a grand restaurant will inevitably cause endless trouble.
When the servants and maids saw their master arriving, they naturally had something intimate to talk about, so they withdrew without waiting for instructions.
Guo Yi was not polite, went straight to the point, and whispered: "Who are you dating?"
"They are some dandy young men." Seeing that there was no one around, Pepi put away his charming and graceful appearance and simply sat up with his feet up, "I'm exhausted!"
"Pay attention to your image!" Guo Yi quickly reminded her when she saw Pepi's original shape.
"It's okay, they don't dare to come in if I don't greet you here!" Pepi stretched, "Do you have any cigarettes?"
"Where can I find cigarettes for you? You have to be careful in this line of work. It smells bad if you have cigarette smoke on your body——"
"Huh, what's my job?" Pepi leaned forward, "Ziminglou is a clean and well-behaved business, and you actually said such hurtful words..."
Sweat, Guo Yi couldn't bear it anymore, and goosebumps suddenly appeared all over his body.
"Okay, I didn't say anything. I don't have a cigarette. Let's get down to business."
He took out a linen handkerchief and wiped his eyes - this handkerchief is a recent product of Lingao Textile Factory. It is made of a blend of local hemp and high-count long-staple cotton. It is light, breathable and feels much better than silk.
Most of the luxury goods and consumer goods that are first opened in Lingao arrive in Guangzhou first, and many of them are given priority to Ziminglou to build up their brand. If rich people like it, the whole market will open up - no matter what era, rich people always lead the trend of fashion consumption. (!)! ~!
