Wang Xifeng snuggled into Li Miao's arms and quickly calmed down. I am still too greedy. With the life you have now, what else is there to be dissatisfied about?
Li Miao felt the change in Wang Xifeng. Wang Xifeng is actually a straight person who can't hold anything back. Li Miao doesn't want to suppress her nature. Besides, Wang Xifeng like this is actually pretty good.
"Feng'er, you have a good idea in rectifying the Rongguo Mansion. But you have to wait a little longer." Li Miao comforted Wang Xifeng and said softly.
Wang Xifeng sat up suddenly, radiating light. Li Miao looked at Wang Xifeng with a smile. This is the real Feng Lazi, who is vigorous and resolute. Li Miao feels that Wang Xifeng is even more touching like this. As a result, the two quickly entered a state of dual cultivation.
Li Miao watched Wang Xifeng hold her nine-pound son in her arms and leave the study with a bound. Jiujin also giggled in her arms, matching Wang Xifeng's happy mood.
Mrs. Shi and Mrs. Wang waited for a long time in Rongqing Hall. The servant reported back that Li Miao was busy with something and was temporarily unavailable. The old lady, mother-in-law and daughter-in-law were stunned, how could this happen? What exactly is going on?
Li Miao really wasn't trying to shirk, something happened to happen. Even if nothing happens, Li Miao is not the one who comes and leaves at the drop of a hat. I wonder if Mrs. Shi is looking down upon herself? Or have you underestimated Li Miao?
The cheap father-in-law Zhang Defu came to the study. That is, little Zhang Min's father, Zhang Defu, who was very excited at this time, was reporting to Li Miao on the operation of Shunfeng Ticket Account.
After Li Miao returned to Beijing, he immediately summoned Zhang Defu. Zhang Defu has outstanding business talents. He is currently a senior executive of the Northern Bureau and has been in charge of Tongzhou's commercial affairs for many years. It can be said that Tongzhou is the hub of the northern economy.
Most of the materials transported from the Southern Bureau to the Northern Bureau were transited through Tongzhou. Tongzhou's commerce is also quite developed. The annual trade volume is around ten million taels of silver. The profit was as high as more than two million taels of silver.
Zhang Defu never dreamed that he could be in charge of such a large business. Zhang Defu now lives a happy life, and his son Zhang Jun is his deputy. Zhang Jun sometimes jokes that he doesn't know when he will be able to take over from his father.
As a senior executive of the Northern Bureau, Zhang Defu also practices Jeet Kune Do for health and fitness. Needless to say, his body is in better shape than when he first followed Li Miao. Zhang Jun wanted to wait to take Zhang Defu's class, but he didn't know how long it would take until the year of the monkey.
When he heard that Li Miao asked him to set up Shunfeng Ticket Account, to be honest, Zhang Defu was very reluctant. According to Zhang Defu, Shunfeng Ticket Account is just a small business.
Although the business of ticket accounts is not small these days, the big ones can earn tens of thousands of taels of silver a year. Even if it's good, there are only a handful of ticket companies that can earn more than ten to two to three hundred thousand taels of silver. But compared with the Tongzhou business he is now in charge of, it is indeed a small business.
How could Li Miao not understand what Zhang Defu was thinking. What kind of business does Dazheng Dynasty's bank account do now? For example, when a foreigner arrives in the capital, he brings a cart full of 20,000 taels of silver, which is inconvenient to carry.
So, I found a reputable bank account and deposited my money, and my 20,000 taels of silver turned into 19,000 taels of silver notes. One thousand taels of silver were missing, which was exactly half the handling fee. The ticket number is to use your own credit to make money from you.
The half-tier handling fee may seem like a lot, but in fact the ticket number doesn’t make much. When the silver comes, it needs to be inspected and weighed. The banknote will be exchanged later, and the ticket number must be redeemed. The workload is not small. The key is that this kind of business is destined to be small.
Everyone still likes to keep their money in the bank vault at home. Changing it to a banknote requires a handling fee, and the ticket number is not an absolute guarantee. People still have to use silver for normal transactions. I still think the money is appropriate.
As for bringing a banknote from the capital and exchanging silver elsewhere. Then you are overthinking, the ticket number has not reached this level yet. It’s just the taxes that the local government pays every year, but it still has to be escorted to Beijing by itself?
So Zhang Defu felt that he was overqualified. When Li Miao threw the plan of Shunfeng Bank in front of Zhang Defu. Zhang Defu began to read slowly and carefully. Although the plan is very general, it is indeed feasible.
Zhang Defu has been in business for so many years and is definitely an expert when it comes to doing business. It turns out that the ticket number can still do this. If it is really done, the deal will be huge. Zhang Defu trembled with excitement.
First of all, Shunfeng Ticket Account uses the reputation of Shunfeng Transportation Escort to provide deposit and redemption within the scope of all Shunfeng Transportation Escort. That is to say, if you hold the banknote with the Shunfeng ticket number, it can be used within the scope of all Shunfeng Transportation Escorts.
The use here refers to the use within the Shunfeng ticket number. Banknotes issued by Shunfeng Bank can be used in other places. In addition to all the cities covered by Shunfeng Transportation Escort, Shunfeng Ticket Office will also set up outlets in farms with an area of more than 500 acres.
The handling fee for Shunfeng Ticket Number is very cheap, only 2%. instead of the usual five percent. This means that if you deposit one million taels of silver in Henan, you can withdraw it in the capital.
This means that you don’t need to carry a large amount of money with you when you go out in the future. You can just carry a banknote with a downwind number. This means that those who do business no longer need to escort the escort, just carry a banknote with a downwind number.
Even the official bank that the government escorts to Beijing every year can also be settled with a banknote with a downwind number.
In the future, with the success of Shunfeng Ticket Number, other businesses will be developed. The handling fee will be waived and there will be interest. The future goal is to sell Shunfeng ticket numbers all over the world. In the future, the bank notes of Shunfeng Bank will be circulated as currency.
The bank notes of Shunfeng Bank want to be circulated as currency. there's still a long way to go. Not only integrity is needed as a guarantee, but also the corresponding strength is needed to protect this industry.
The anti-counterfeiting of banknotes from Shunfeng Bank is a trivial matter for Li Miao. Li Miao used Zhenyuan to carve the seal of the Shunfeng banknote, which even he could not copy. This is also the absolute advantage of Shunfeng Ticket Number.
The banknotes of Shunfeng Bank are not afraid of being counterfeited, and the authenticity can be seen at a glance. This is something that other ticket accounts can never do.
As early as when Li Miao returned to Lingshan Island this time, he secretly established a printing bureau on Lingshan Island. Refer to the strict management model of the modern banknote printing bureau. Management is extremely demanding. Even Ding Chunsheng felt that the proprietor was making a big show out of something.
Only Li Miao knew that the banknotes produced here could be used as silver in the future. These people at the printing office still don’t know what they are doing. I just know that the management is really too strict.
The second thing Shunfeng Bank has to do is lend money. Currently, Dazheng Dynasty's bank account does not have lending business. Lending is also mostly usury. The interest rate is astonishingly high. It seriously restricted the economic development of the Zheng Dynasty.
Shunfeng Bank mainly lends money to farmers who cannot afford high-quality seeds. The loan interest is quite cheap, with a monthly interest rate of one cent, which is an incredible low-interest loan in the Dazheng Dynasty.
Li Miao wants to promote his high-quality northern seeds more quickly through lending. Many farmers now know the benefits of high-quality seeds, but they just can’t afford them.
Of course, the lending business of other customers will also be carried out in the same way. As a matter of principle, there must be physical collateral. Prevent bad debts and bad debts from occurring.
Finally, the third thing that Shunfeng Ticket Number has to do is to attract deposits. Make use of all the idle money in private cellars. Promote the rapid economic development of the Zheng Dynasty.
To absorb savings, you first have to wait until the silver in Li Miao Lingshan Island's bank has been digested. Will start from Li Miao's own power first. Now Li Miao's guards and bodyguards have a lot of spare money. People in the middle and upper levels have more money.
After these three things were completed, Shunfeng Bank became the only bank in the Zheng Dynasty. One can only imagine how much room it has for future growth. Now Li Miao can only develop Shunfeng Ticket Account within the scope of Shunfeng Transportation Escort Agency.
Shunfeng Ticket Number is simply a piece of fat. Without the protection of the behemoth Shunfeng Transportation Escort Agency, it would definitely not be possible. But with the rapid development of Shunfeng Ticket Account. It will also become a behemoth.
The escort force of Shunfeng Ticket Account will also grow rapidly. It will become a behemoth that is not inferior to Shunfeng Transportation Escort Agency. Zhang Defu looked at the plan in his hand, how could he not be excited?
Therefore, Zhang Defu became the general manager of Shunfeng Bank. Holding the Shunfeng family law in hand, he traveled unimpeded within Li Miao's sphere of influence. If he wants people, he can't use much of the money in Lingshan Island's bank.
After Li Miao listened to Zhang Defu's report, everything was as expected. No one in the Dazheng Dynasty knew Shunfeng Ticket Account better than Li Miao. It itself is copied from modern banks.
As time goes by, Shunfeng Ticket Account will exude vitality in Dazheng Dynasty.
