The first assistant of the poor family

Chapter 335
"The Guo family has already covered the sky with one hand in Shanxi? Does the magistrate of Fenzhou not care?"

"The magistrate of Fenzhou? Let alone him, even the governor may not dare to control him!"

Xie Shen's expression darkened.

He has also heard some of the dominance of Shanxi merchants.But I didn't expect it to be so overbearing.

This is not a merchant, isn't it just a bully who controls the lifeline of the people?
"Fu Zun, you asked us to borrow grain, and we are absolutely unambiguous. But you asked us to collect grain, but it will be difficult for the Guo family."

Xie Shen took a deep breath and said, "Then what do you say?"

He Dan laughed and said, "It's better for Fu Zun to go and say hello to the Patriarch of the Guo family first. As long as there is no problem with them, the grassroots will naturally dare to take the lead in collecting grain."

"absurd!"

Xie Shen rolled his eyes angrily.

After all, he is also a dignified prefect of Lu'an, a fourth-rank member of the imperial court, and asked him to greet the Patriarch of the Guo family in advance, just to get permission to collect food?
Who is the official and who is the citizen?
"The lord calm down."

As if expecting that Xie Shen would be furious, He Dan paused and said, "You are not afraid of the Guo family, but the Caomin are. If the Guo family doesn't nod, the Caomin will never dare to take the lead."

Xie Shen sneered in his heart.

This is him.

"He Yuanwai, this official assures you that you will not be threatened in any way if you take the lead in collecting grain. If anything happens, this official will take care of it alone. But you must take the lead, this is an order."

Xie Shen's voice was very cold, He Dan shuddered, and the corners of his mouth twitched subconsciously.

"This" offends Guo's family and he will lose most of his business, but if he offends Xie Shen, then He's family will really suffer disaster.

Let's take a look at the two companies that were dealt with by Xie Shen before, which one will end well?
Don't look at the magistrate's young age, but his heart is very cruel.

After weighing it up, He Dan gritted his teeth and said, "Since Fu Zun has reached this point, Caomin will risk his life to accompany the gentleman."

Xie Shen finally showed a smile on his face, nodded and said: "That's right."

"There is one more thing, the grass people have to ask the Fu Zun for instructions."

He Dan gasped for breath, but he didn't kill Xie Shen.

"Go ahead."

"Caomin owns a bank in Lu'an, and hopes to cooperate with Fuzun."

Xie Shen stared at He Dan closely, and asked, "What does Yuanwai He mean?"

He Dan managed to get in touch with Xie Shen, how could he let go of such a good opportunity, and said in a deep voice: "Master, do you know why the Guo family can manage Shanxi merchants? It is precisely because their family has the largest family in Shanxi. Qianzhuang. No matter what you buy or sell, cash is the most important thing. With Qianzhuang, these are not problems."

"go on."

Xie Shen gradually became interested and nodded.

He Dan was overjoyed when he was encouraged, and quickly said: "Although Caomin is dull, he also knows that if he wants to catch up with the Guo family, he needs to put some thought into the bank. Caomin wants to cooperate with Fu Zun to cash out the official bank's business. Next."

Hiss, hearing this, Xie Shen gasped.

This He Dan really has a big appetite, and he wants to take over the cashing business of the official bank, but this kid has a good vision.

According to Xie Shen's understanding, the banks in the Ming Dynasty did not honor the business of large-scale silver taels, which was only developed by the bank in the Qing Dynasty.

Although Qianzhuang is the predecessor of the bank, it does not have many businesses of the bank.

Shanxi is far away from the capital, and because it can only be landed, it is very problematic to transport large amounts of silver to Beijing for settlement.

If it is possible to conduct universal exchange through the bank, it can indeed solve a big problem.

The reason why Shanxi merchants in the Qing Dynasty were rich in the world was because they took over this business, so they could raise silver with silver and earn a lot of commissions.

In fact, the bank accounts in the Qing Dynasty already had the embryonic form of a bank to a large extent.

However, there is a problem with non-government institutions such as banks and ticket offices, and that is their credibility.

A large amount of official silver is no better than private idle money, and cannot withstand any mishaps.What if the money was handed over to the bank, but the proprietor ran away with the money?
What should I do if I encounter a peer run and cannot cash in as scheduled?
these are the problems
It can be said that the gap between banks, bank accounts and banks is reflected in their cashing capabilities.

No matter how powerful private capital is, it does not have strong credibility after all, but state capital is different.Unless there is a complete financial collapse, the banks will basically have no problems.

"The official bank is escorted to Beijing by the government, and then handed over to the household department."

Xie Shen paused and said, "I'm afraid it's wrong for Yuanwai to exchange money."

Naturally, he would not agree so easily, and he had to see He Dan's strength first. "

He Dan became a little anxious when he heard the words, and quickly said: "The lord of the government doesn't know something. Escorting the government bank from Shanxi to the capital requires at least [-]% of the manpower consumption, and we Jishengchang Bank only collects [-]% of the profit. , It is much more economical than being escorted to Beijing by the government."

Xie Shen pretended to be surprised and said: "The same road, why can you save [-]% more if you escort it?"

He Dan showed embarrassment: "This, it can be regarded as some small tricks. But Cao Min can assure the Fu Zun that we, Ji Shengchang, are all taking legal channels."

Xie Shen nodded and said: "But the official bank is no better than the private bank, how can you teach me to trust you?"

He Dan knew that Xie Shen would ask such a question, and immediately patted his chest and said, "Caomin's wife and children are in Lu'an Mansion, if something goes wrong, the governor of the mansion can ask Caomin's family."

Logically, there's really nothing wrong with that.

But what Xie Shen wants is not a guarantee, because he doesn't believe in guarantees.

"No, I want half of Ji Shengchang's profits."

After Xie Shen said this, He Dan was stunned.

"Fu Zun is saying that he wants to run Jishengchang Bank in partnership with Caomin?"

"Otherwise? Do you think the government is joking with you?"

"Ah, no, Caomin doesn't mean that."

He Dan's reaction was quick enough, and he immediately put on a smile and said, "It's an honor for Cao Min to be able to cooperate with Fu Zun."

"Of course, this government will not take advantage of you. From now on, the government bank of Lu'an Prefecture will be cashed in Jishengchang Bank."

What Xie Shen wants is not a guarantee, but a benefit.Only when the interests of the two are related can it be guaranteed that there will be no running away.

Xie Shen has to read every account of Ji Shengchang!

"Now, it's not difficult to collect food, right?"

Xie Shen changed the subject abruptly, and changed the topic to supervising grain collection.

Although he had already promised He Yuanwai before, if something happened, he, the prefect of Lu'an, would take the lead, and he would not let He Yuanwai face the fury of the Guo family and Eunuch Hu in Fenzhou.

But promises are one thing, benefits are another.

With the bond of Jishengchang Bank, the relationship between the two has gone a step further, and it is not an exaggeration to say that they are closely related.

(End of this chapter)