Chapter 1538
Financial Institutions
Chapter 1538 Financial Institutions
Cai Jinmei's reputation does not only exist within Haihan, most of the bank owners in Zhejiang have also heard that the official in charge of Haihan Bank is a woman, and her methods are quite powerful.Although businessmen generally don't have the outdated concept of "women can't manage accounts", it is shocking that such a well-known big bank as Haihan Bank is managed by a woman behind the scenes.
Just how rich Haihan Bank is, just like how powerful the Haihan Army is, it is a difficult puzzle for Ming people to have a specific answer.However, some big businessmen who are closely related to Haihan had the honor to visit the vault of Haihan Bank on Zhoushan Island. It is said that there are millions of cash reserves available for call at any time. Another million in cash was transferred, and the funds were very abundant, and this was just a branch of Haihan Bank in Zhejiang.
There is also an office of Haihan Bank in Ningbo City, but because the trade relationship between Haihan and Daming has not been officially recognized before, the business scope of this office is relatively narrow, and there is no public savings and lending This type of business is only to provide account settlement services for those merchants who have money with Haihan.As long as Ningbo merchants open a dedicated account at Haihan Bank, all trade transactions with Haihan can be settled through this office, and there is no need to take the risk of running back and forth with boxes of silver.
Of course, it is also very convenient for depositors to withdraw the money stored in Haihan Bank. They just need to go through the formalities with their own passbook and seal. Bodyguard escort home service.Although the deposit and loan business has been left to the local banks, in fact, in order to facilitate trade settlement, merchants in the coastal areas of Jiangsu and Zhejiang still have a considerable amount of funds in Haihan Bank. According to people familiar with the matter, the amount may be larger than Haihan Bank. There are two to three times as much cash in bank vaults.
With such a huge amount of funds, Haihan Bank only needs to do a little under-the-table operations and use some financial means, which is enough to make those local banks with a capital of only a few hundred thousand taels collapse in just a few days. Whether it is the local businessmen or the bosses of the bank, they are very clear.And Haihan has never taken such radical measures to get rid of competitors, which is enough to make these bank bosses feel awe.Now that high-ranking officials from Haihan come to Ningbo to call a meeting of the local leaders in this business to discuss the formulation of industry standards, everyone naturally dare not be absent, otherwise it will be tantamount to isolating themselves from the financial system built by Haihan. It's really the old birthday star who hanged himself and thinks he has a long life.
So even though they knew that the person who presided over the meeting was a woman, none of them dared to neglect because of this reason, and they all came to the courtyard where Shi Diwen was staying early to wait.The bosses have been working for many years, and they all make a living in Ningbo. They are familiar with each other, so they exchange information before the meeting, but after asking around, they don't know much about Haihan. What is the real purpose of the industry conference held for the first time.
Jin Mingfa is the boss of the local Ningbo bank "Xinlonghao".He was the first to ask: "Everyone, do you know what the intention of the Haihan people to integrate the industry is?"
Everyone looked at each other and said they didn't know. He Tinggui, the owner of "Hexing", said: "It's at this juncture, Boss Jin, don't go around in circles. If you have any news, you might as well make it clear, so everyone can quickly add up."
Jin Mingfa sighed, shook his head and said, "What else is there to think? They made it clear that they want everyone to bow their heads and obey orders, and run the bank according to their wishes in the future. How dare you not listen?"
He Tinggui coughed dryly and said, "Since the Haihan people invited everyone here for a meeting, there is room for negotiation. If the method they come up with is not to everyone's liking, it may not be impossible to bargain again."
Jin Mingfa said: "When haggling with the Haihan people, when have you ever seen them suffer? From my point of view, this time there may not be any room for turning around. Everyone, get ready to change the name of the bank!"
When everyone heard Jin Mingfa's words, it was obvious that Haihan was planning to annex various banks. Wouldn't this shake their foundations? How to keep your property and business from being easily annexed by Haihan.
Seeing that the other people were still trying to reason with the Haihan people, Jin Mingfa sighed and interjected: "Everyone, the Haihan people have so much silver in their hands, just a little bit of manipulation can make various banks appear." Run and run, even if Haihan publicizes this method to let you prepare in advance, which one can bear it? If the bank notes issued by various banks in different places fall into the hands of Haihan people, It is also easy to destroy the stores you have opened outside Ningbo."
"Could it be that the Haihan people are allowed to do whatever they want?" Although Jin Mingfa's words were reasonable, there were still some people who were unwilling to become puppets bound by Haihan, and angrily questioned.
"Sorry, you can do whatever you want with money."
Suddenly a woman's voice sounded from outside the door, and everyone turned their heads to look over, and saw a thin and tall middle-aged woman just walking to the door.This woman is thin and thin, and her height is considered tall among Jiangsu and Zhejiang men. She is wearing a black cotton gauze gown and a pair of buckskin sandals on her feet. Her long hair is tied in a bun on the back of her head. His pupils were like falcons, and his eyes swept across everyone's faces one by one like looking for food.Just now, when she questioned Hai Han's actions, her gaze stayed on his face for a moment, and he couldn't help shivering, feeling as if he was being stared at by a carnivorous beast.
The woman crossed the threshold and walked into the hall with her hands behind her back. Although she didn't even have a follower with her, she had the aura of a superior person exuding from her.Without any introduction at all, everyone knew that this person must be today's rightful master.
The tall woman hurriedly walked to the seat at the top and sat down, and then introduced herself: "I am Cai Jinmei, who is in charge of banking affairs from the Haihan Finance Department. You can also call me Director Cai."
These bank bosses have dealt with Haihan for a year or two, and they also know that the official position of "director" can be high or low in Haihan's bureaucratic system, but if they are sent from Haihan's "department" Director, that is definitely not a small role.What's more, Cai Jinmei was already well-known, and everyone dared not treat her as an ordinary woman.Although it is a bit strange for Haihan to appoint a woman as an official, it does not mean that they can show any disrespect to Cai Jinmei.
Everyone hurriedly got up to salute, with Jin Mingfa as the capital, they called him "Master Cai", but no one called him by his official position.As for Cai Jinmei's extremely arrogant line when she appeared just now, everyone didn't think there was anything wrong with it. After all, they themselves deal with money all day long, so it can be said that they quite agree with the values revealed by Cai Jinmei's words.With Hai Han's wealth, even if he wanted to do whatever he wanted, wouldn't that be a matter of course?
Cai Jinmei was a little disappointed to see everyone acting so docilely. She originally wanted to use those words to provoke the local bank bosses, to see if there was any thorn in her side that wanted to jump out at this juncture, she would be able to use her means on the spot If the suppression continues, it can also have the effect of killing chickens and monkeys.But she didn't expect that this group of people had no intention of refuting her intentional provocation, so she had no choice but to give up this plan.
At that moment, a servant came in and brought Cai Jinmei an exclusive cold drink, and brought a few more basins of ice cubes to cool down in the hall.Although it is not uncommon to use saltpeter to make ice in Ningbo in summer, only a few wealthy families are able to make such a fuss.Several basins of ice cubes have been placed in this hall since before the guests came, and they will be replaced every half an hour. The temperature in the room can be described as cool enough.The drinks that everyone drank also had a choice of hot or cold. The hot one was high-quality tea, and the cold one was iced fruit juice or sugar water. This kind of treatment was probably only provided by Haihan people who were not short of money.
Cai Jinmei is also a neat person, and she didn't spend any more time going around with the bank bosses, but quickly got to the point: "The reason for inviting everyone to come today is clearly written on the invitation, that is I hope that the banks you run will be able to unify the operating standards with our Haihan Bank in the future, and gradually establish a universal deposit and withdrawal system. As for the benefits of doing so, you are all insiders, so I don’t think I need to explain it in detail, right?”
If these non-governmental banks can make deposits and withdrawals with Haihan Bank and open deposit and loan procedures, it will undoubtedly greatly increase their capital flow and business volume, and reduce daily operating risks. The benefits are indeed obvious.But this matter also has two sides. Although it is undoubtedly a big leg for private banks, the size of these banks is too small compared with Haihan Bank. If the realization of universal deposit and withdrawal and other operations The unification of standards actually means that they have been a subsidiary of Haihan Bank from that moment on.In terms of capital operation, they also do not have enough ability to confront Haihan Bank. This unification of industry standards is actually a disguised annexation of private banks.
There are many people who can see through this essence, but there are very few who dare to raise objections.Everyone looked at me and looked at you, neither agreeing nor daring to disagree, and fell into a strange silence for a while.
What a shrewd person Cai Jinmei was, she had already guessed their general thoughts when she saw the strange attitudes of the people.The operators of financial institutions in the Ming Dynasty would rather be chicken heads than phoenix tails. In fact, this has long been estimated by senior officials of the Ministry of Finance such as Schneider and Cai Jinmei.However, financial activities are one of the basic factors of social life, Haihan is bound to gain control of this industry, and will not be shaken by the hesitation of several bank bosses.
Cai Jinmei looked at everyone's faces one by one, and those who were stared at by her eyes felt like thorns on their backs, and did not dare to look at her for too long.Finally, Cai Jinmei's eyes stopped on Jin Mingfa's face: "Boss Jin's Xinlong Bank is the largest local bank in Ningbo, and it is regarded as the leader in this industry. I really want to hear Boss Jin's opinion."
Jin Mingfa responded bravely: "Master Cai is ridiculously praised! It is a fluke to be able to fall into the eyes of Mr. Cai for this small business, how dare you call him a leader..."
Jin Mingfa looked at Cai Jinmei's face while talking, but he didn't gain anything from that expressionless face at all. He could only continue: "The unified industry standard that Mr. Cai mentioned just now realizes universal deposit and withdrawal. It’s a good thing, but the government may not agree to this matter, and I’m afraid there will be problems in implementing it.”
Cai Jinmei responded calmly: "There will be no problem with the government. Daming and Haihan will soon establish diplomatic relations. Ningbo is one of the first ports to open trade between the two countries. Since it is a formal trade, the institution responsible for the exchange of money It is necessary to unify the operation standard. If you want to be independent from this standard, you may need to think about how to maintain the operation in the future.”
The fact that Daming and Haihan are about to establish diplomatic relations has not spread in Ningbo, and only a few people have heard the relevant rumors, but basically there is no evidence.Although the few bank bosses present had official backgrounds or connections, Jin Mingfa was the only one who had heard about it before coming here.He Tinggui and the others were very surprised when they heard Cai Jinmei say this, but seeing Cai Jinmei's serious expression, it didn't look like she was joking at all.Everyone immediately began to calculate in their minds, if the situation is true as Cai Jinmei said, what kind of impact will it have on the industry next.
At present, the exchange of silver and money between the two countries is almost always carried out by Haihan Bank, but in fact, the Haihan banknotes issued by Haihan Bank already have a certain currency transaction capability in the business district of the coastal state capital.If the two countries formally establish diplomatic relations and open up trade, then the circulation speed and volume of Haihan banknotes in Ningbo will inevitably increase greatly. If private banks still cannot realize universal deposits and withdrawals, Haihan Bank will not be afraid of meat and vegetables. Take all, it will undoubtedly lose a lot of customers.Although Cai Jinmei's words were threatening to a certain extent, they were not empty words and should not be ignored.
Jin Mingfa saw that his peers were all looking at him, and he knew that these people were counting on him to come forward to negotiate with Cai Jinmei, so he gritted his teeth and said, "Master Cai, the establishment of diplomatic relations between the two countries is no joke. There is also a process for implementation, ranging from a few months to a year and a half. How to realize the universal deposit and withdrawal between the local bank and Haihan Bank, I think it can be discussed slowly, but there is no need to rush for success, so as not to make mistakes in the rush .”
(End of this chapter)
Cai Jinmei's reputation does not only exist within Haihan, most of the bank owners in Zhejiang have also heard that the official in charge of Haihan Bank is a woman, and her methods are quite powerful.Although businessmen generally don't have the outdated concept of "women can't manage accounts", it is shocking that such a well-known big bank as Haihan Bank is managed by a woman behind the scenes.
Just how rich Haihan Bank is, just like how powerful the Haihan Army is, it is a difficult puzzle for Ming people to have a specific answer.However, some big businessmen who are closely related to Haihan had the honor to visit the vault of Haihan Bank on Zhoushan Island. It is said that there are millions of cash reserves available for call at any time. Another million in cash was transferred, and the funds were very abundant, and this was just a branch of Haihan Bank in Zhejiang.
There is also an office of Haihan Bank in Ningbo City, but because the trade relationship between Haihan and Daming has not been officially recognized before, the business scope of this office is relatively narrow, and there is no public savings and lending This type of business is only to provide account settlement services for those merchants who have money with Haihan.As long as Ningbo merchants open a dedicated account at Haihan Bank, all trade transactions with Haihan can be settled through this office, and there is no need to take the risk of running back and forth with boxes of silver.
Of course, it is also very convenient for depositors to withdraw the money stored in Haihan Bank. They just need to go through the formalities with their own passbook and seal. Bodyguard escort home service.Although the deposit and loan business has been left to the local banks, in fact, in order to facilitate trade settlement, merchants in the coastal areas of Jiangsu and Zhejiang still have a considerable amount of funds in Haihan Bank. According to people familiar with the matter, the amount may be larger than Haihan Bank. There are two to three times as much cash in bank vaults.
With such a huge amount of funds, Haihan Bank only needs to do a little under-the-table operations and use some financial means, which is enough to make those local banks with a capital of only a few hundred thousand taels collapse in just a few days. Whether it is the local businessmen or the bosses of the bank, they are very clear.And Haihan has never taken such radical measures to get rid of competitors, which is enough to make these bank bosses feel awe.Now that high-ranking officials from Haihan come to Ningbo to call a meeting of the local leaders in this business to discuss the formulation of industry standards, everyone naturally dare not be absent, otherwise it will be tantamount to isolating themselves from the financial system built by Haihan. It's really the old birthday star who hanged himself and thinks he has a long life.
So even though they knew that the person who presided over the meeting was a woman, none of them dared to neglect because of this reason, and they all came to the courtyard where Shi Diwen was staying early to wait.The bosses have been working for many years, and they all make a living in Ningbo. They are familiar with each other, so they exchange information before the meeting, but after asking around, they don't know much about Haihan. What is the real purpose of the industry conference held for the first time.
Jin Mingfa is the boss of the local Ningbo bank "Xinlonghao".He was the first to ask: "Everyone, do you know what the intention of the Haihan people to integrate the industry is?"
Everyone looked at each other and said they didn't know. He Tinggui, the owner of "Hexing", said: "It's at this juncture, Boss Jin, don't go around in circles. If you have any news, you might as well make it clear, so everyone can quickly add up."
Jin Mingfa sighed, shook his head and said, "What else is there to think? They made it clear that they want everyone to bow their heads and obey orders, and run the bank according to their wishes in the future. How dare you not listen?"
He Tinggui coughed dryly and said, "Since the Haihan people invited everyone here for a meeting, there is room for negotiation. If the method they come up with is not to everyone's liking, it may not be impossible to bargain again."
Jin Mingfa said: "When haggling with the Haihan people, when have you ever seen them suffer? From my point of view, this time there may not be any room for turning around. Everyone, get ready to change the name of the bank!"
When everyone heard Jin Mingfa's words, it was obvious that Haihan was planning to annex various banks. Wouldn't this shake their foundations? How to keep your property and business from being easily annexed by Haihan.
Seeing that the other people were still trying to reason with the Haihan people, Jin Mingfa sighed and interjected: "Everyone, the Haihan people have so much silver in their hands, just a little bit of manipulation can make various banks appear." Run and run, even if Haihan publicizes this method to let you prepare in advance, which one can bear it? If the bank notes issued by various banks in different places fall into the hands of Haihan people, It is also easy to destroy the stores you have opened outside Ningbo."
"Could it be that the Haihan people are allowed to do whatever they want?" Although Jin Mingfa's words were reasonable, there were still some people who were unwilling to become puppets bound by Haihan, and angrily questioned.
"Sorry, you can do whatever you want with money."
Suddenly a woman's voice sounded from outside the door, and everyone turned their heads to look over, and saw a thin and tall middle-aged woman just walking to the door.This woman is thin and thin, and her height is considered tall among Jiangsu and Zhejiang men. She is wearing a black cotton gauze gown and a pair of buckskin sandals on her feet. Her long hair is tied in a bun on the back of her head. His pupils were like falcons, and his eyes swept across everyone's faces one by one like looking for food.Just now, when she questioned Hai Han's actions, her gaze stayed on his face for a moment, and he couldn't help shivering, feeling as if he was being stared at by a carnivorous beast.
The woman crossed the threshold and walked into the hall with her hands behind her back. Although she didn't even have a follower with her, she had the aura of a superior person exuding from her.Without any introduction at all, everyone knew that this person must be today's rightful master.
The tall woman hurriedly walked to the seat at the top and sat down, and then introduced herself: "I am Cai Jinmei, who is in charge of banking affairs from the Haihan Finance Department. You can also call me Director Cai."
These bank bosses have dealt with Haihan for a year or two, and they also know that the official position of "director" can be high or low in Haihan's bureaucratic system, but if they are sent from Haihan's "department" Director, that is definitely not a small role.What's more, Cai Jinmei was already well-known, and everyone dared not treat her as an ordinary woman.Although it is a bit strange for Haihan to appoint a woman as an official, it does not mean that they can show any disrespect to Cai Jinmei.
Everyone hurriedly got up to salute, with Jin Mingfa as the capital, they called him "Master Cai", but no one called him by his official position.As for Cai Jinmei's extremely arrogant line when she appeared just now, everyone didn't think there was anything wrong with it. After all, they themselves deal with money all day long, so it can be said that they quite agree with the values revealed by Cai Jinmei's words.With Hai Han's wealth, even if he wanted to do whatever he wanted, wouldn't that be a matter of course?
Cai Jinmei was a little disappointed to see everyone acting so docilely. She originally wanted to use those words to provoke the local bank bosses, to see if there was any thorn in her side that wanted to jump out at this juncture, she would be able to use her means on the spot If the suppression continues, it can also have the effect of killing chickens and monkeys.But she didn't expect that this group of people had no intention of refuting her intentional provocation, so she had no choice but to give up this plan.
At that moment, a servant came in and brought Cai Jinmei an exclusive cold drink, and brought a few more basins of ice cubes to cool down in the hall.Although it is not uncommon to use saltpeter to make ice in Ningbo in summer, only a few wealthy families are able to make such a fuss.Several basins of ice cubes have been placed in this hall since before the guests came, and they will be replaced every half an hour. The temperature in the room can be described as cool enough.The drinks that everyone drank also had a choice of hot or cold. The hot one was high-quality tea, and the cold one was iced fruit juice or sugar water. This kind of treatment was probably only provided by Haihan people who were not short of money.
Cai Jinmei is also a neat person, and she didn't spend any more time going around with the bank bosses, but quickly got to the point: "The reason for inviting everyone to come today is clearly written on the invitation, that is I hope that the banks you run will be able to unify the operating standards with our Haihan Bank in the future, and gradually establish a universal deposit and withdrawal system. As for the benefits of doing so, you are all insiders, so I don’t think I need to explain it in detail, right?”
If these non-governmental banks can make deposits and withdrawals with Haihan Bank and open deposit and loan procedures, it will undoubtedly greatly increase their capital flow and business volume, and reduce daily operating risks. The benefits are indeed obvious.But this matter also has two sides. Although it is undoubtedly a big leg for private banks, the size of these banks is too small compared with Haihan Bank. If the realization of universal deposit and withdrawal and other operations The unification of standards actually means that they have been a subsidiary of Haihan Bank from that moment on.In terms of capital operation, they also do not have enough ability to confront Haihan Bank. This unification of industry standards is actually a disguised annexation of private banks.
There are many people who can see through this essence, but there are very few who dare to raise objections.Everyone looked at me and looked at you, neither agreeing nor daring to disagree, and fell into a strange silence for a while.
What a shrewd person Cai Jinmei was, she had already guessed their general thoughts when she saw the strange attitudes of the people.The operators of financial institutions in the Ming Dynasty would rather be chicken heads than phoenix tails. In fact, this has long been estimated by senior officials of the Ministry of Finance such as Schneider and Cai Jinmei.However, financial activities are one of the basic factors of social life, Haihan is bound to gain control of this industry, and will not be shaken by the hesitation of several bank bosses.
Cai Jinmei looked at everyone's faces one by one, and those who were stared at by her eyes felt like thorns on their backs, and did not dare to look at her for too long.Finally, Cai Jinmei's eyes stopped on Jin Mingfa's face: "Boss Jin's Xinlong Bank is the largest local bank in Ningbo, and it is regarded as the leader in this industry. I really want to hear Boss Jin's opinion."
Jin Mingfa responded bravely: "Master Cai is ridiculously praised! It is a fluke to be able to fall into the eyes of Mr. Cai for this small business, how dare you call him a leader..."
Jin Mingfa looked at Cai Jinmei's face while talking, but he didn't gain anything from that expressionless face at all. He could only continue: "The unified industry standard that Mr. Cai mentioned just now realizes universal deposit and withdrawal. It’s a good thing, but the government may not agree to this matter, and I’m afraid there will be problems in implementing it.”
Cai Jinmei responded calmly: "There will be no problem with the government. Daming and Haihan will soon establish diplomatic relations. Ningbo is one of the first ports to open trade between the two countries. Since it is a formal trade, the institution responsible for the exchange of money It is necessary to unify the operation standard. If you want to be independent from this standard, you may need to think about how to maintain the operation in the future.”
The fact that Daming and Haihan are about to establish diplomatic relations has not spread in Ningbo, and only a few people have heard the relevant rumors, but basically there is no evidence.Although the few bank bosses present had official backgrounds or connections, Jin Mingfa was the only one who had heard about it before coming here.He Tinggui and the others were very surprised when they heard Cai Jinmei say this, but seeing Cai Jinmei's serious expression, it didn't look like she was joking at all.Everyone immediately began to calculate in their minds, if the situation is true as Cai Jinmei said, what kind of impact will it have on the industry next.
At present, the exchange of silver and money between the two countries is almost always carried out by Haihan Bank, but in fact, the Haihan banknotes issued by Haihan Bank already have a certain currency transaction capability in the business district of the coastal state capital.If the two countries formally establish diplomatic relations and open up trade, then the circulation speed and volume of Haihan banknotes in Ningbo will inevitably increase greatly. If private banks still cannot realize universal deposits and withdrawals, Haihan Bank will not be afraid of meat and vegetables. Take all, it will undoubtedly lose a lot of customers.Although Cai Jinmei's words were threatening to a certain extent, they were not empty words and should not be ignored.
Jin Mingfa saw that his peers were all looking at him, and he knew that these people were counting on him to come forward to negotiate with Cai Jinmei, so he gritted his teeth and said, "Master Cai, the establishment of diplomatic relations between the two countries is no joke. There is also a process for implementation, ranging from a few months to a year and a half. How to realize the universal deposit and withdrawal between the local bank and Haihan Bank, I think it can be discussed slowly, but there is no need to rush for success, so as not to make mistakes in the rush .”
(End of this chapter)