"Ms. Wang Jiang, a civilian woman, pays homage to the commander..."
Although it was not the first time she met Ye Mingsheng, it was the first time Jiang Yuyan walked into this study room, which represented the core of Fengwu Army's power. Although she had been mentally prepared before, when she actually walked into this room, she felt Looking at Ye Mingsheng's scrutinizing eyes, Jiang Yuyan couldn't help but feel a little nervous.
Ye Mingsheng didn't know or care about Jiang Yuyan's inner activities. With a full schedule today, he went straight to the point:
"Get up! You can start reporting!"
"yes!"
With Ye Mingsheng's permission, Jiang Yuyan stood up and took out a document and presented it to Ye Mingsheng. After Ye Mingsheng took the document, his attention was also attracted by the document and he began to study the contents of Jiang Yuyan's report.
Seeing Ye Mingsheng's eyes attracted by the documents, Jiang Yuyan was filled with an indescribable disappointment.
For today's meeting with Ye Mingsheng, she started preparing very early. She carefully prepared clothes, accessories, shoes, and rouge and gouache. She was very satisfied with her appearance today and felt that she would definitely be able to Ye Mingsheng was overwhelmed.
But the facts made her ruthless mockery. In the eyes of Ye Mingsheng, she was well dressed, not even as attractive as the cold documents. Ye Mingsheng didn't even look at her. Thinking of this, Jiang Yuyan felt aggrieved. And sadness························
Ye Mingsheng, who was studying the documents, saw that Jiang Yuyan had not spoken yet, and looked at her with some confusion.
Under Ye Mingsheng's gaze, Jiang Yuyan suppressed her inner emotions and said:
"After getting your approval, Commander-in-Chief, our Wang family established the Rishengchang Bank. The bank's performance was not good at first. However, with the support and help of Chief Minister Murong and other adults, our Wang family's Rishengchang Bank was able to The number is already on the right track!”
"Based on your opinion, Commander-in-Chief, and after detailed arguments from our Chief Secretary, the people, and other parties, our Rishengchang Bank has launched two models: fixed deposits and irregular deposits!"
“The interest rate for a one-year time deposit is one percent, the interest rate for a three-year time deposit is five percent, and the interest rate for a five-year time deposit is ten percent!”
“The interest rate for a one-year non-term deposit is 5%, the interest rate for a three-year non-term deposit is 1%, and the interest rate for a five-year non-term deposit is 3%!”
"At present, our Rishengchang bank account has attracted 578,0531 taels of silver from the people of Hebei and Henan nearly half a year after its opening."
"For the use of these silvers, we purchased 300,000 taels of bonds from the Chief Secretary to support the Chief Secretary of Hebei and Henan in the construction of river dams, canals, roads and other infrastructure!"
“According to the data provided by the Chief Secretary of Hebei Province, the money provided by our Rishengchang Bank has successfully helped Hebei Province build three dams, five canals, and three roads. In addition, there are two dams. Three canals and one road are under construction..."
“In addition to providing funds for infrastructure construction in Hebei and Henan, our Rishengchang Bank also provided special agricultural loans to more than 30,000 farmers under the instructions of the Chief Secretary of Hebei and Henan to help these farmers purchase farm tools, fertilizers, and livestock. Waiting for agricultural supplies.”
"Under the guidance of the Chief Secretary of Hebei and Henan, the interest rate provided by our Rishengchang bank is only 5%. This interest rate is seriously lower than the industry level, ensuring that every farmer can afford to repay the loan after the autumn harvest, and After repaying the loan, you can still earn a lot of income!”
Speaking of this, Jiang Yuyan also looked at Ye Mingsheng. To be honest, under Ye Mingsheng's will, the Wang family was busy working on the Rishengchang Bank. It seemed that the amount they handled was very huge, but they really couldn't make much money, even if it was The money earned is also some hard-earned money.
Since you can't make much money from the Rishengchang bank account, why is Jiang Yuyan still happy with it and thinking about expanding Rishengchang's business to Qilu next door?
The reason is also very simple. Although the Rishengchang bank account does not make much money, it can give the Wang family the cloak of "Fengwujun Royal Businessman"!
Merchants like the Wang family are very afraid of making things difficult for local officials when they go to other places to do business. But now that they have the status of "imperial merchant", local officials will feel that the Wang family has a deep background and dare not be so presumptuous, and even generally understand the Wang family's business. Support··························
In addition to the status of "Imperial Merchant", operating the Rishengchang firm also greatly improved the Wang family's reputation and accumulated a large number of personal connections for the Wang family. Although these invisible benefits cannot directly bring a large amount of money to the Wang family, they are beneficial to the Wang family. The Wang family has provided great help in expanding their own business and entering other industries.
Because of this, Jiang Yuyan is so eager to expand the Rishengchang bank account to Qilu!
Regarding the content reported by Jiang Yuyan, Ye Mingsheng also nodded with satisfaction. Judging from the current development of Rishengchang Bank, Rishengchang Bank has basically met its own requirements and used private savings to promote the development of people's livelihood. , improve the living standards of ordinary people.
After thinking for a while, Ye Mingsheng ordered Jiang Yuyan:
"I know that in the past six months, you and Chief Minister Murong have made great efforts and put in a lot of hard work on the ticket issue. The people of Jiyu want to thank you. I am basically satisfied with your work. The result of half a year’s work!”
"Of course, I would also like to make some suggestions. First of all, we must pay attention to the supervision of money. Not only does the Chief Secretary need to supervise internally, but you, as the ticket office, must also supervise from the source to ensure that every tael of money is invested in the project, or It was handed over to the common people instead of flowing into some people’s pockets·····················"
"Secondly, as a bank account, the most important thing for you is to have enough liquidity. The cash flow must be kept within a safe range to ensure that when people or merchants need to withdraw money from your bank account, your bank account can get it. !”
"I know that the Chief Secretary of Hebei and Henan regards your Rishengchang bank account as their cornucopia now. If they have no money, they will come to you to get a handful. This is absolutely not allowed. I will warn Murong Yuliang about this issue, but I also want to emphasize it to you!"
"The most important thing for a bank account is its credibility. Once you are unable to provide money, it is likely to cause a large-scale, all-round run. No bank account can withstand a large number of runs, so you We must try our best to put an end to this phenomenon and prevent systemic risks!”
"If the Chief Secretary asks for too much money, you must also learn to refuse it and not take anything in return!"
Jiang Yuyan's eyes lit up after listening to Ye Mingsheng's instructions. Ye Mingsheng's words proved what she was worried about. With the help of the Chief Secretary, their Wang family's Rishengchang bank business developed very quickly, but even faster. What is more interesting is the speed with which the Chief Secretary asks for money.
In order to pursue political achievements, the Chief Secretary of Hebei and Henan has recently launched a lot of projects, so he regards their Rishengchang bank as a hen that lays golden eggs. He has been constantly asking for money. They took away a little money...
Now that the bank is still developing rapidly, this problem is easy to say. The bank can transfer the savings of new customers to old customers. However, once this period of rapid development has passed and the bank has reached a bottleneck, this problem will become a The bomb could be detonated at any time.
Regarding this hidden danger, Jiang Yuyan also expressed it to Murong Yuliang, but Murong Yuliang ignored it and asked Jiang Yuyan and the Wang family to focus on the overall situation and fully support the work of the Chief Secretary.
This time she came to Yi Jing to report to Ye Mingsheng. Jiang Yuyan also thought about reporting this situation to Ye Mingsheng, but then she thought about it. Now, her business has developed so rapidly in Henan, all because of Murong Yuliang's help, and if Reporting this issue to Ye Mingsheng himself was equivalent to stabbing Murong Yuliang behind his back, thus offending Murong Yuliang.
Murong Yuliang is the chief envoy of Hebei and Henan and the parent of millions of people in Hebei and Henan. Can the Wang family still have a good life in Hebei and Henan after offending such a big shot?
So after considering it all, Jiang Yuyan chose to give up reporting this issue to Ye Mingsheng. She never thought that although she did not report this issue, Ye Mingsheng had also noticed this issue and said that he would warn Murong Yuliang... ···················
These measures undoubtedly gave Jiang Yuyan reassurance and made her realize that Ye Mingsheng did not intend to make a one-time deal in the ticket business. Ye Mingsheng really wanted to develop the ticket business and make it a development People's livelihood is a good thing to improve people's living standards, and this also strengthens Jiang Yuyan's confidence in running a ticket account.
Although Jiang Yuyan was worried and didn't say anything, judging from her reaction, Ye Mingsheng still felt that she did have needs in this area and welcomed his words.
After listening to Jiang Yuyan's opinions, Ye Mingsheng asked again:
"What are your prospects and goals for the new year at Rishengchang Bank?"
Jiang Yuyan was a little surprised when Ye Mingsheng asked about this, but she also realized that this was a good opportunity, so she immediately organized her words and said:
“Our Rishengchang bank account aims to attract one million taels of savings in Hebei and Henan in the new year, better help and develop Hebei’s infrastructure, help agriculture produce more food, and benefit Hebei. The people of Yu!"
At this point, Jiang Yuyan quietly observed Ye Mingsheng's expression, then changed her voice and said:
"In addition, our Rishengchang Bank also intends to expand its business to Qilu. Jiyu and Qilu live next to each other and have a deep friendship, so our Rishengchang Bank also intends to help Qilu develop... ···············”
Although Jiang Yuyan said it nicely, Ye Mingsheng understood her thoughts immediately, looked at her and said with emotion:
"No wonder you have to come to me to report on your work. It turns out you want to go to Jiyu to make money!"
Jiang Yuyan was shocked as soon as these words came out. She didn't know what Ye Mingsheng meant. She hesitated for a while to be safe, but she knelt on the ground again and said:
"Commander, we mainly want to help the people. In the six months since Rishengchang Company was established, I have seen with my own eyes how much it has changed people's lives!"
"In the past few years, we have experienced constant floods and droughts in Hebei and Henan, constant starvation and death, and tragic situations of selling children, selling children, and even exchanging children for cannibalism."
"The reasons for this include natural disasters, but more are man-made disasters. Although this situation has changed a lot since you took over Hebei Province, Commander-in-Chief, the debts Hebei Province owed in the past few decades are really too many. , many water conservancy facilities need to be repaired or even rebuilt!”
"But because of the lack of finances, the government offices could not organize the construction at all. With the establishment of Rishengchang Bank, we absorbed private savings and used them intensively, so that there was money that could be used to build water conservancy facilities! And these Water conservancy facilities will effectively prevent disasters from happening again and protect the safety of our people in Hebei and Henan!"
"The other thing is road construction. In many rural areas of Hebei and Henan, because of the inconvenience of roads, there is no way to sell the grains, vegetables, pigs, chickens and ducks that they grow on their own. They can only produce and sell some of them on their own. It’s all wasted!”
"After the government builds the road, they can go to the market to sell these things. This not only increases their own income, but also ensures market supply and stabilizes prices in the city... ··············”
"Then there are these farmers. Although these farmers got the land with your grace, the commander-in-chief, they don't have money to farm, so in order to buy agricultural materials, they need to borrow money, and the interest rate for borrowing money is 1 year. At least 30%!”
"And now our Rishengchang Company is providing them with loans with an annual interest rate of only 5%. Commander, do you know how excited these farmers are when they know that the loan interest rate is only 5%?"
“The whole family knelt down and thanked us profusely!”
"In short, Commander-in-Chief, your implementation of this policy will benefit the present and future generations. Such a good policy must of course be carried out from Hebei and Henan to benefit people all over the world."
Hearing Jiang Yuyan's words, Ye Mingsheng was also touched. He knew that his policy would bring some changes to people's lives, but he seemed to have underestimated the extent of the changes.
Seeing that Ye Mingsheng was silent and deep in thought, Jiang Yuyan's heart relaxed slightly. Although what she just said was high-sounding and righteous, as a businessman, the primary purpose of doing business must be to do business. Make money, after all, she still has a large Wang family to support.
As for helping people, it's just incidental to making money...
