Chapter 1539
1 sing 1 sum
Chapter 1539 Sing and Harmony
With the strength of the local bank, it is natural not to dare to confront Haihan Bank head-on. Even if he had objections to Cai Jinmei's plan, Jin Mingfa did not directly object in words, but chose delaying tactics.He could see that Haihan was more eager to promote the unification of management standards, and delaying time might be a more effective way to deal with it than direct confrontation.If more time can be bought to deal with it, Jin Mingfa thinks that this matter may turn around.
It's just that his careful thinking couldn't escape Cai Jinmei's eyes. When the Ministry of Finance was formulating the plan, Cai Jinmei had already considered the various reactions that the local bank might have.Wanting to use delaying tactics to hinder Hai Han's actions, Cai Jinmei has naturally prepared the means to deal with it.But she didn't rush to speak, but wanted to see other people's reactions.
The bank bosses didn't know what cards Haihan had. They only knew that Jin Mingfa's words gave them a glimmer of hope to change the situation. Waiting takes time, don't rush it.
Cai Jinmei looked at the group of people complaining quietly, and after their performance ended, she said: "Everyone is crying, but I think Boss He of Hexing is quite quiet, what other ideas does Boss He have? ?"
It was only then that everyone noticed that He Tinggui hadn't expressed his opinion just now. Jin Mingfa's heart sank. He knew that He Tinggui hadn't spoken before. Now that Cai Jinmei deliberately pointed to him, she might have secretly colluded with the Haihan people. Taking this opportunity to let him Stand out to build momentum for Haihan.
He Tinggui's face was very calm, and he cupped his hands towards Cai Jinmei and said, "Master Cai, you said that the two countries will soon establish a traffic relationship, do you have any evidence?"
Cai Jinmei said: "Bosses here, those who are well-informed may have heard the news. The imperial court of your country has agreed on the regulations, and it will be announced to the world in the near future. If you want proof, you can ask the officials you know as soon as possible. That's not the case. Of course, officials with lower ranks don't know the news for the time being. If you want to inquire, it's best to find officials of rank four or above. What they say should be quite credible. ?”
He Tinggui nodded and said: "That's the case, then I have the right to take this matter as true. If the two countries open up trade in the future, as Mr. Cai said, there will be cross-border circulation of coins. If we and other banks can't do it Universal deposit and universal withdrawal will indeed lose many customers. So I think that since the trend has been predicted, it is a great opportunity to make money, and it is not too late to start making preparations. Everyone, are we just letting go of such a great opportunity? ?”
"Boss He knows the general idea." For He Tinggui's knowledge and interest, Cai Jinmei naturally did not hesitate to praise He Tinggui, and did not care about the ugly faces of others: "Da Ming is willing to open the trade rights of coastal states to our country. What does this move mean? Haven’t you noticed it at all? If you don’t even have this basic business sense, then I think you should transfer the business you are handling as soon as possible, and let someone who knows the business take over!”
Cai Jinmei's words were extremely blunt, and she did not save any face for the bank bosses present here.She did look down on this group of people a little bit, her vision was really narrow, and she didn't have a clear understanding of things outside her field of vision.These people are ignorant of what it means for Ming Dynasty to open the trading rights of the coastal areas to Haihan. They are still staring at the meat in the bowl in front of them and refuse to move. No wonder they have not done much in this industry.
After Cai Jinmei finished speaking, she gave He Tinggui an imperceptible wink, and the latter understood it, and quickly answered, "I have some ideas about the establishment of traffic and trade between the two countries. Please correct me, Mr. Cai."
Cai Jinmei nodded and said, "But it doesn't matter."
He Tinggui cleared his throat and said, "Ningbo Prefecture is the easternmost state capital of Zhejiang Province. Maritime trade has always been the main industry in the local area. Since the merchants from Haihan Kingdom came to Zhoushan, the trade between the two countries has actually been in progress. This is a well-known fact. As for the amount of money in circulation in the trade between the two countries, everyone here must have more or less a count. How many maritime merchants have made a lot of money from these businesses? A piece of fat will definitely not turn a blind eye. To be precise, the dignitaries in the court hall in the capital must be eyeing this piece of fat."
Looking at the thoughtful expressions on everyone's faces, He Tinggui knew that his words had played a guiding role, and immediately continued: "Everyone knows that the sea trade business can make a lot of money, but in the past this was a shady business. Only a few people make money. Now the imperial court wants to legalize these businesses, and the purpose is naturally to repatriate part of the profits to the national treasury. But no matter how it is done, the imperial court will always send people to participate in the trade. Of course, it will definitely Come with a lot of silver."
When everyone heard this, they already roughly understood what He Tinggui wanted to express.The sea trade business in the Zhejiang area, especially the smuggling trade, has always been a lucrative industry. After Hai Han came, he made the cake a lot bigger. There are quite a few people who took advantage of this wind to make a fortune.It's not that the capital is ignorant of this, but because of the intertwined interests and the long geographical distance, it is difficult for the capital to directly interfere with Zhejiang's import and export trade.
Haihan proposed to Daming the establishment of diplomatic relations with the Liaodong issue, which included the content of opening up the coastal state capitals to trade.Some officials in the court think that this is actually a good opportunity for the country to bring these gray areas into the government's monitoring.Of course, there must be some selfishness in it. After all, as long as he can get a foot in the trade with Haihan, it means that huge profits will flow into his pocket continuously.
In the past, the smuggling trade in Zhejiang was monopolized by a small number of local businessmen. For this reason, Haihan also specially implemented a regular investment promotion system. Once it becomes a legitimate business, Haihan will no longer restrict the qualifications of trading partners as it is now, and it will be much less difficult for foreign businessmen with official backgrounds to enter this field.
This will have a big impact on the local businessmen in the Jiangsu and Zhejiang regions, but for these people who do money business, it is the best opportunity to make money.Because no matter how much money a foreign businessman has and how much background he has, he will deposit cash in the local bank when he arrives here.And whichever bank can achieve universal deposit and withdrawal with Haihan will undoubtedly gain an advantage in the competition.But this kind of overall situation view is not available to everyone. For example, the Ningbo bank owners who were present did not realize how big the business opportunities they might miss.
He Tinggui had indeed had a private relationship with Haihan for a long time, and was affirmed by Cai Jinmei because of his flexible mind and non-conformity. He even secretly went to Zhoushan to receive training in financial knowledge.Before participating in today's meeting, he had also been instructed by Haihan to wait for an opportunity to cooperate with Cai Jinmei during the meeting.Although doing so may result in being regarded as a traitor by colleagues in Ningbo in the future, this is no longer a big deal for He Tinggui.
If he gets close to the big tree Haihan, even if he doesn't open a bank in the future, he doesn't have to worry about starving to death. Haihan will naturally arrange a way out for him.What's more, he doesn't think that his peers can join forces to boycott him. After all, after today's meeting, the banks that can survive must choose to stand in line. Banks that don't want to cooperate deeply with Haihan may not be able to open many God.And the Qianzhuang that can survive will only have the same position as him, so there is no hatred at all.
After He Tinggui succinctly explained the matter, the attitude of the bank bosses really began to soften. After all, this is an opportunity for the bank to make a lot of money. If you don't follow the path pointed out by Haihan, you are actually making trouble with money. up.But for them, it is still unavoidable to worry that their bank will be slowly assimilated after adjusting according to Haihan's requirements, until at some point it will be annexed by Haihan Bank.
At this time, Jin Ming, the spokesperson of the local bank, can only speak out for everyone: "Boss He is right, but this universal deposit and withdrawal will inevitably involve some of the accounts of each bank to be disclosed to Haihan. This is a bank. How can you easily reveal your wealth to others?"
Cai Jinmei responded coldly: "Universal deposit and withdrawal business, you can set up a special account, you only need to announce this to us. Besides, each bank only discloses this account to us, and they can still communicate with each other. Keep it a secret."
"Whether this... is safe or not is still to be discussed?" Jin Mingfa still asked unwillingly.
Cai Jinmei said: "Is it safe? I have Haihan Bank's reputation over the past few years as a guarantee. You can judge for yourself. Of course, you can also choose not to cooperate. We propose this unified standard plan, not to force everyone Everyone has the right to say no. But I want to remind everyone that after this village, there will be no such shop. If you want to join the system established by us in the future, you will not It's free."
The bank owners of these banks are naturally aware of the reputation of Haihan Bank. In terms of strong capital, there is probably no private bank in Ming Dynasty that can match it.Moreover, the management level of Haihan Bank is obvious to all. The service content and operating methods are far beyond that of private banks. Coupled with Haihan's armed protection, it is almost impeccable.Just relying on the golden signboard of Haihan Bank, no matter how well-run a bank is, it will consider itself three points inferior.
As for Cai Jinmei saying that she can choose not to cooperate with Haihan, this is actually not a project that these people here can choose calmly. Whoever dares to make it clear that he does not want to cooperate may not just miss the opportunity to make money. Whether to continue to survive after offending Haihan Bank.If the risk of cooperation is that it will be absorbed by Haihan Bank in the later stage, then the risk of non-cooperation is likely to be run to bankruptcy in the short term.Even a person like Jin Mingfa who has dissent would not be so bold as to challenge Haihan's patience with the safety of his own bank.
At this time, He Tinggui came up to answer the question very cleverly: "Then, Mr. Cai, can we have a few days to consider this matter?"
Cai Jinmei raised a finger and said: "One day. Please forgive me, I have too many things at hand, and I don't have time to stay in Ningbo for too long. So before sunset today, please give me a clear answer. I haven't made a decision by the time. The bank I chose, I also regard as giving up this opportunity."
Everyone listened to the one-day time mentioned earlier, and they thought that they could go back to call family members and subordinates to have a meeting to discuss the discussion. Unexpectedly, the day Cai Jinmei said meant today’s day and day, and did not give a time for overnight stay. It can be said that the time is too tight Quite harsh.
If Cai Jinmei had made such a condition from the beginning, perhaps these people would have left in a huff, but now they would not dare to do so, because there is one He Tinggui who has clearly sided with Haihan.If they left like this, wouldn't they automatically give up the cooperation with Haihan Bank and leave all the opportunities to He Tinggui's Hexinghao.At that time, Haihan Bank will definitely support Hexinghao to grow in Ningbo alone, so what will they use to compete with He Tinggui?
Sure enough, He Tinggui was so unreasonable that he acted as a pawn for Haihan, and he immediately expressed his opinion: "Hexinghao is willing to advance and retreat with Haihan Bank, and please give me some guidance from Master Cai."
"Very good, I appreciate Boss He, who is smart and straightforward." Cai Jinmei finally had a faint smile on her face. This is probably the first time she has such an expression since she entered the room. It can be seen that she He should be quite satisfied with He Tinggui's performance.
He Tinggui's statement undoubtedly put everyone else present on the fire.Although there are several basins of ice cubes in the room, the room temperature is already very cool, but many people are still sweating on their backs.Because the next decision they have to make may affect the prospects of their own industry, and if they are not careful, they may even go bankrupt.
Seeing that everyone fell silent, Cai Jinmei knew that it was best to give them some space at this time, so she immediately got up and said, "Everyone can think carefully here, and when you have made a decision, ask the attendant outside the door to lead the way to see you." Me. Boss He, you come with me, this is the agreement that should be signed, let's sign it now. "
He Tinggui responded quickly, stood up and bowed to everyone present, then followed Cai Jinmei out of the room.
As soon as he left, everyone in the room began to scold the traitor who had colluded with Hai Han to eat inside and out.Of course, in fact, they also knew in their hearts that if they were in He Tinggui's position, with such a big backer, perhaps they would not do much better than him.
(End of this chapter)
With the strength of the local bank, it is natural not to dare to confront Haihan Bank head-on. Even if he had objections to Cai Jinmei's plan, Jin Mingfa did not directly object in words, but chose delaying tactics.He could see that Haihan was more eager to promote the unification of management standards, and delaying time might be a more effective way to deal with it than direct confrontation.If more time can be bought to deal with it, Jin Mingfa thinks that this matter may turn around.
It's just that his careful thinking couldn't escape Cai Jinmei's eyes. When the Ministry of Finance was formulating the plan, Cai Jinmei had already considered the various reactions that the local bank might have.Wanting to use delaying tactics to hinder Hai Han's actions, Cai Jinmei has naturally prepared the means to deal with it.But she didn't rush to speak, but wanted to see other people's reactions.
The bank bosses didn't know what cards Haihan had. They only knew that Jin Mingfa's words gave them a glimmer of hope to change the situation. Waiting takes time, don't rush it.
Cai Jinmei looked at the group of people complaining quietly, and after their performance ended, she said: "Everyone is crying, but I think Boss He of Hexing is quite quiet, what other ideas does Boss He have? ?"
It was only then that everyone noticed that He Tinggui hadn't expressed his opinion just now. Jin Mingfa's heart sank. He knew that He Tinggui hadn't spoken before. Now that Cai Jinmei deliberately pointed to him, she might have secretly colluded with the Haihan people. Taking this opportunity to let him Stand out to build momentum for Haihan.
He Tinggui's face was very calm, and he cupped his hands towards Cai Jinmei and said, "Master Cai, you said that the two countries will soon establish a traffic relationship, do you have any evidence?"
Cai Jinmei said: "Bosses here, those who are well-informed may have heard the news. The imperial court of your country has agreed on the regulations, and it will be announced to the world in the near future. If you want proof, you can ask the officials you know as soon as possible. That's not the case. Of course, officials with lower ranks don't know the news for the time being. If you want to inquire, it's best to find officials of rank four or above. What they say should be quite credible. ?”
He Tinggui nodded and said: "That's the case, then I have the right to take this matter as true. If the two countries open up trade in the future, as Mr. Cai said, there will be cross-border circulation of coins. If we and other banks can't do it Universal deposit and universal withdrawal will indeed lose many customers. So I think that since the trend has been predicted, it is a great opportunity to make money, and it is not too late to start making preparations. Everyone, are we just letting go of such a great opportunity? ?”
"Boss He knows the general idea." For He Tinggui's knowledge and interest, Cai Jinmei naturally did not hesitate to praise He Tinggui, and did not care about the ugly faces of others: "Da Ming is willing to open the trade rights of coastal states to our country. What does this move mean? Haven’t you noticed it at all? If you don’t even have this basic business sense, then I think you should transfer the business you are handling as soon as possible, and let someone who knows the business take over!”
Cai Jinmei's words were extremely blunt, and she did not save any face for the bank bosses present here.She did look down on this group of people a little bit, her vision was really narrow, and she didn't have a clear understanding of things outside her field of vision.These people are ignorant of what it means for Ming Dynasty to open the trading rights of the coastal areas to Haihan. They are still staring at the meat in the bowl in front of them and refuse to move. No wonder they have not done much in this industry.
After Cai Jinmei finished speaking, she gave He Tinggui an imperceptible wink, and the latter understood it, and quickly answered, "I have some ideas about the establishment of traffic and trade between the two countries. Please correct me, Mr. Cai."
Cai Jinmei nodded and said, "But it doesn't matter."
He Tinggui cleared his throat and said, "Ningbo Prefecture is the easternmost state capital of Zhejiang Province. Maritime trade has always been the main industry in the local area. Since the merchants from Haihan Kingdom came to Zhoushan, the trade between the two countries has actually been in progress. This is a well-known fact. As for the amount of money in circulation in the trade between the two countries, everyone here must have more or less a count. How many maritime merchants have made a lot of money from these businesses? A piece of fat will definitely not turn a blind eye. To be precise, the dignitaries in the court hall in the capital must be eyeing this piece of fat."
Looking at the thoughtful expressions on everyone's faces, He Tinggui knew that his words had played a guiding role, and immediately continued: "Everyone knows that the sea trade business can make a lot of money, but in the past this was a shady business. Only a few people make money. Now the imperial court wants to legalize these businesses, and the purpose is naturally to repatriate part of the profits to the national treasury. But no matter how it is done, the imperial court will always send people to participate in the trade. Of course, it will definitely Come with a lot of silver."
When everyone heard this, they already roughly understood what He Tinggui wanted to express.The sea trade business in the Zhejiang area, especially the smuggling trade, has always been a lucrative industry. After Hai Han came, he made the cake a lot bigger. There are quite a few people who took advantage of this wind to make a fortune.It's not that the capital is ignorant of this, but because of the intertwined interests and the long geographical distance, it is difficult for the capital to directly interfere with Zhejiang's import and export trade.
Haihan proposed to Daming the establishment of diplomatic relations with the Liaodong issue, which included the content of opening up the coastal state capitals to trade.Some officials in the court think that this is actually a good opportunity for the country to bring these gray areas into the government's monitoring.Of course, there must be some selfishness in it. After all, as long as he can get a foot in the trade with Haihan, it means that huge profits will flow into his pocket continuously.
In the past, the smuggling trade in Zhejiang was monopolized by a small number of local businessmen. For this reason, Haihan also specially implemented a regular investment promotion system. Once it becomes a legitimate business, Haihan will no longer restrict the qualifications of trading partners as it is now, and it will be much less difficult for foreign businessmen with official backgrounds to enter this field.
This will have a big impact on the local businessmen in the Jiangsu and Zhejiang regions, but for these people who do money business, it is the best opportunity to make money.Because no matter how much money a foreign businessman has and how much background he has, he will deposit cash in the local bank when he arrives here.And whichever bank can achieve universal deposit and withdrawal with Haihan will undoubtedly gain an advantage in the competition.But this kind of overall situation view is not available to everyone. For example, the Ningbo bank owners who were present did not realize how big the business opportunities they might miss.
He Tinggui had indeed had a private relationship with Haihan for a long time, and was affirmed by Cai Jinmei because of his flexible mind and non-conformity. He even secretly went to Zhoushan to receive training in financial knowledge.Before participating in today's meeting, he had also been instructed by Haihan to wait for an opportunity to cooperate with Cai Jinmei during the meeting.Although doing so may result in being regarded as a traitor by colleagues in Ningbo in the future, this is no longer a big deal for He Tinggui.
If he gets close to the big tree Haihan, even if he doesn't open a bank in the future, he doesn't have to worry about starving to death. Haihan will naturally arrange a way out for him.What's more, he doesn't think that his peers can join forces to boycott him. After all, after today's meeting, the banks that can survive must choose to stand in line. Banks that don't want to cooperate deeply with Haihan may not be able to open many God.And the Qianzhuang that can survive will only have the same position as him, so there is no hatred at all.
After He Tinggui succinctly explained the matter, the attitude of the bank bosses really began to soften. After all, this is an opportunity for the bank to make a lot of money. If you don't follow the path pointed out by Haihan, you are actually making trouble with money. up.But for them, it is still unavoidable to worry that their bank will be slowly assimilated after adjusting according to Haihan's requirements, until at some point it will be annexed by Haihan Bank.
At this time, Jin Ming, the spokesperson of the local bank, can only speak out for everyone: "Boss He is right, but this universal deposit and withdrawal will inevitably involve some of the accounts of each bank to be disclosed to Haihan. This is a bank. How can you easily reveal your wealth to others?"
Cai Jinmei responded coldly: "Universal deposit and withdrawal business, you can set up a special account, you only need to announce this to us. Besides, each bank only discloses this account to us, and they can still communicate with each other. Keep it a secret."
"Whether this... is safe or not is still to be discussed?" Jin Mingfa still asked unwillingly.
Cai Jinmei said: "Is it safe? I have Haihan Bank's reputation over the past few years as a guarantee. You can judge for yourself. Of course, you can also choose not to cooperate. We propose this unified standard plan, not to force everyone Everyone has the right to say no. But I want to remind everyone that after this village, there will be no such shop. If you want to join the system established by us in the future, you will not It's free."
The bank owners of these banks are naturally aware of the reputation of Haihan Bank. In terms of strong capital, there is probably no private bank in Ming Dynasty that can match it.Moreover, the management level of Haihan Bank is obvious to all. The service content and operating methods are far beyond that of private banks. Coupled with Haihan's armed protection, it is almost impeccable.Just relying on the golden signboard of Haihan Bank, no matter how well-run a bank is, it will consider itself three points inferior.
As for Cai Jinmei saying that she can choose not to cooperate with Haihan, this is actually not a project that these people here can choose calmly. Whoever dares to make it clear that he does not want to cooperate may not just miss the opportunity to make money. Whether to continue to survive after offending Haihan Bank.If the risk of cooperation is that it will be absorbed by Haihan Bank in the later stage, then the risk of non-cooperation is likely to be run to bankruptcy in the short term.Even a person like Jin Mingfa who has dissent would not be so bold as to challenge Haihan's patience with the safety of his own bank.
At this time, He Tinggui came up to answer the question very cleverly: "Then, Mr. Cai, can we have a few days to consider this matter?"
Cai Jinmei raised a finger and said: "One day. Please forgive me, I have too many things at hand, and I don't have time to stay in Ningbo for too long. So before sunset today, please give me a clear answer. I haven't made a decision by the time. The bank I chose, I also regard as giving up this opportunity."
Everyone listened to the one-day time mentioned earlier, and they thought that they could go back to call family members and subordinates to have a meeting to discuss the discussion. Unexpectedly, the day Cai Jinmei said meant today’s day and day, and did not give a time for overnight stay. It can be said that the time is too tight Quite harsh.
If Cai Jinmei had made such a condition from the beginning, perhaps these people would have left in a huff, but now they would not dare to do so, because there is one He Tinggui who has clearly sided with Haihan.If they left like this, wouldn't they automatically give up the cooperation with Haihan Bank and leave all the opportunities to He Tinggui's Hexinghao.At that time, Haihan Bank will definitely support Hexinghao to grow in Ningbo alone, so what will they use to compete with He Tinggui?
Sure enough, He Tinggui was so unreasonable that he acted as a pawn for Haihan, and he immediately expressed his opinion: "Hexinghao is willing to advance and retreat with Haihan Bank, and please give me some guidance from Master Cai."
"Very good, I appreciate Boss He, who is smart and straightforward." Cai Jinmei finally had a faint smile on her face. This is probably the first time she has such an expression since she entered the room. It can be seen that she He should be quite satisfied with He Tinggui's performance.
He Tinggui's statement undoubtedly put everyone else present on the fire.Although there are several basins of ice cubes in the room, the room temperature is already very cool, but many people are still sweating on their backs.Because the next decision they have to make may affect the prospects of their own industry, and if they are not careful, they may even go bankrupt.
Seeing that everyone fell silent, Cai Jinmei knew that it was best to give them some space at this time, so she immediately got up and said, "Everyone can think carefully here, and when you have made a decision, ask the attendant outside the door to lead the way to see you." Me. Boss He, you come with me, this is the agreement that should be signed, let's sign it now. "
He Tinggui responded quickly, stood up and bowed to everyone present, then followed Cai Jinmei out of the room.
As soon as he left, everyone in the room began to scold the traitor who had colluded with Hai Han to eat inside and out.Of course, in fact, they also knew in their hearts that if they were in He Tinggui's position, with such a big backer, perhaps they would not do much better than him.
(End of this chapter)