Chapter 169 Another year! (Here we come, wishing everyone a Happy New Year!)

Zhang Fangping signed happily. Zhang Heng was in charge of the branch office, so the funds were naturally transferred to the bank's account very smoothly. In fact, it was not much, just a start-up capital of 100,000 yuan, which was probably just the initial operating capital.

But a big problem has been solved.

The Ministry of Industry is responsible for the construction of the bank office, as well as the various office desks, chairs, office and other stationery, etc. There are also units that can be responsible for it. As for Kong Muguan's daily salary, it is also the responsibility of the branch office.

Liu Shi from Liu Neiquan's side was very active in order not to delay the arrival of funds, and the Kongmu officers from various departments were also put in place one after another.

Zhang Heng talked with each other one by one, and it turned out that Liu Shi was relatively reliable, and all the officials who came over were very smart and capable, and then a large number of subordinate officials were arranged to come over.

Zhang Heng is also merciless. Everyone who joins the job must pass his assessment. If they are not professional enough and their attitude is not serious, they will be returned to Liu Neiquan, so much so that Liu Shi came to him to complain.

"...There is no such precedent. The subordinates in each unit are all arranged by Liu Neiquan. They have to keep them regardless of whether they are suitable or not. There is no reason for you to pick and choose. You...it is difficult for me to handle!"

Zhang Heng quickly comforted Liu Shi: "Liu, I'm really sorry. The key is that the bank's affairs are indeed very important. There are many and complicated things. These people seem to have enough, but in fact the establishment is not enough.

Therefore, everyone is very important. Everyone must be able to work, know how to work, and be willing to work. There is no way around this. Please be more patient. Well, this year, there will be no funding for Liuneiquan Branch.

Whether you default or not, you should pay as much as you should!”

After Liu Shi heard this, he suddenly smiled and went away happily.

It's not that he is jealous of money, but it's just that the branch office is never happy to give money. There are too many tricks in the matter of funding.

There are many subsidies stipulated in various regulations, but not all subsidies are provided in full. Most units can only receive 60% to 70% each year.

Zhang Heng promised that he would give it all, which meant that Liu Neiquan could have a good year this year.

In this way, even if Liu Neiquan's colleagues are a little troublesome, everyone will be willing to do so, and it will be easy to explain.

Watching Liu Shi leave happily, Zhang Heng was still very grateful that Zeng Gongliang helped him retain the position of Duzhi Judge. If it weren't for this assignment, he would not be able to do many things.

The reason why the craftsmen of the Ministry of Industry work so hard and all kinds of materials are allocated correctly, and even some things that are not within the specifications are supplied, is naturally because Kong Muguan of the Ministry of Industry sees him as the Duzhi Judge.

Given.

This is also true for Liu Neiquan, and it is also true for the Third Division because he is the judge of the Duzhi Division, so whether it is signing or appropriating money, everything is green.

But the smooth things stop here, because the next step will depend on your true ability.

The bank's premises were only being renovated, and Xia Anqi was keeping an eye on it, so the progress was quite fast. It was completed in the autumn, and all officials, including Kong Muguan, various subordinates, and accounting personnel were stationed there.

Zhang Heng also began to adjust the entire bank's framework. The framework he built first was mainly to deal with the most urgently needed business.

A business department dedicated to absorbing storage became a storage-absorbing case;

A business case, in charge of commercial lending matters;

In an agricultural project, the supervisor provides loans to farmers to support them through the disaster years. This project is not aimed at making profits, but it plays a significant role in helping farmers.

An investment case, with banks as the main body, supports and invests in potential merchants and commercial banks.

As well as the bank account that manages the daily affairs of the entire bank, this is the comprehensive office in later generations.

Of course, there must also be supervision departments, etc., and these later stages must also be followed.

Personnel from various departments were in place, and business started immediately. The first priority was to absorb storage. Without storage, the other departments would not be able to carry out their work. After all, the one hundred thousand yuan in the bank's books has not been spent until now.

Only a few thousand strings are left.

The most important thing for Zhang Heng right now is also this matter.

Absorbing deposits is the first priority and is also the key to determining whether the bank can survive.

On October 27th, the bank officially opened.

The bank faces the Imperial Street. Entering from the outer city, after passing the Zhuque Gate, you can see the newly built bank facade, which is very grand.

The reason why Zhang Heng took a fancy to this place was, on the one hand, because the East-West Jiaofang was a property of the imperial court, and on the other hand, the location here was really great!

It faces Yujie, and the busiest places in Bianjing are on the left and right. Zhouqiao is not far from here, and it faces Yujie. It can be said that half of the people in Bianjing pass through here every day. The bank is open at

Here, you can save a lot of publicity efforts.

On the opening day, Zhang Heng made great efforts to invite Zeng Gongliang to come to the platform, and also invited Kaifeng Mansion to come to maintain order. There were hundreds of government officials on both sides of the station, and there was a strong official atmosphere, which attracted many people to watch.

Zeng Gongliang smiled and said: "Why are you organizing such a big battle? You are asking officials to write inscriptions, asking me to come over, and asking Kaifeng Prefecture to send so many people?"

Zhang Heng smiled and whispered beside Zeng Gongliang: "If a bank wants to absorb deposits, it must gain the trust of the people. Compared with private banks, this bank has the sign of the imperial court. The more we emphasize the attributes of an official family,

, people will feel more at ease when they save money!

Someone once said that the two most difficult things to do in the world are to put thoughts into other people's heads and to put money from other people's pockets into your own pocket.

All these things that disciples do are to let the common people know that this is an official bank, and if the money is deposited, they will not lose half a penny, and money can make money!"

Zeng Gongliang nodded, but he had nothing to say. According to Zhang Heng, he cut the ribbon for the bank, and together with Zhang Heng, he pulled off the colorful cloth covering it. The name of the bank shone brightly in the sun - the Central Bank of the Song Dynasty.

.

The signboard was handwritten, and then a skilled craftsman carved it on the plaque with gold inlay. Some people with sharp eyes saw the inscription on the signboard and immediately exclaimed: "This is inscribed by the official's own hand!"

Isn't that right? Isn't it the word "Zhao Zhen" in the inscription below?

Zhang Heng immediately asked someone to pull off another sign. There were not many words on the sign, but it just read - Deposit money in the central bank. It is not only safe, but also profitable, and the annual interest rate is as high as three cents!

The literate people were in an uproar when they saw it. Some people had the courage to shout to Zhang Heng: "This high official, is what you said true?"

Zhang Heng smiled and said loudly: "Of course it is true. Have you seen that our Central Bank of the Song Dynasty is an institution of the imperial court!

This name was also given by our officials. The person standing next to me is the prince of the imperial court. Look at the yamen servants next to you, they are the yamen servants of Kaifeng Prefecture.

The central bank is the central bank of the imperial court and the central bank of the people. Will the imperial court deceive us ordinary people?

Everyone can safely deposit their money in the central bank. Not only is the money safe, but there will also be interest. The annual interest rate is three cents. You can calculate how much interest you can earn every year!..."

Zhang Heng stood on the steps and gave a speech to the people who were watching. Then he invited Zeng Gongliang to inspect the bank. The matter of attracting deposits was not something that could be done in a day or two. After that, people would have to be specially organized to perform street performances to continuously promote the talent.

OK.

Zeng Gongliang walked around inside, nodded and said with a smile: "It's a bit crude."

Zhang Heng smiled and said: "It is a bit crude, but the ingredients of the steamed buns are not on the pleats, but are all inside. You see that today's central bank is unremarkable. Give me three years, and the central bank will be the institution that officials of the Song Dynasty are most looking forward to entering."

!”

Zeng Gongliang nodded and said: "This old man believes in you. I can also trust you in the things you are optimistic about..."

He looked around and then whispered: "...Then Xia Anqi didn't make things difficult for you, right?"

Zhang Heng shook his head and said, "There's nothing strange about it."

Zeng Gongliang nodded, and then left a message: "...Don't take it lightly, don't fall into a trap."

There was no need for Zeng Gongliang to remind him of this. Zhang Heng was extremely wary of Xia Song. Although Xia Anqi behaved quite honestly, Zhang Heng still remained wary.

But Zhang Heng didn't spend too much thought on this because he had too many things to do.

Banking is just a small step.

After the business opened, relying on the credit of the court, some people took out part of their money and tried to deposit it in the bank, and then came to withdraw it a few days later, and then came to deposit money again a few days later, and then withdraw it again.

Kong Muguan, who was involved in the case of absorbing savings, complained to Zhang Heng about this matter. Zhang Heng couldn't help but cry, and then told Kong Muguan to restrain his subordinates and provide good service. This was probably a test by the people to save the money.

Can it still be taken away?

Sure enough, after a period of time, the deposits in the central bank gradually increased. By the end of the year, the central bank's deposits had reached the mark of 300,000 guan.

Everyone inside the central bank was smiling and thought the results were great, but Zhang Heng was not satisfied.

Although it only took one month to absorb 300,000 yuan, the results seemed to be pretty good in everyone's eyes, but from Zhang Heng's perspective, the effect was not very good.

Zhang Heng's goal is more than 100 million yuan, so what can he do with only 300,000 yuan?

Still have to think of a way!

But that will be a year later.

The most important thing now is to celebrate the New Year first.

Before the Chinese New Year, there were quite a lot of things to do, but Zhi Zhigao didn't have much to do. Zhao Zhen knew that he had many things to do, so he wouldn't normally ask him to write edicts, but things at Duzhi Division had to be arranged.

Because of the development of maritime trade last year, the three companies collected tens of millions more yuan, and Zhang Heng had his own way of managing expenses. He moved here and there, and by the end of the year, everything was not delayed, and all departments were able to make money.

The chief officers were all smiling.

But generally speaking, although Zhang Heng has passed this new year, Zhao Zhen and others still spend money without restraint. There are ways to spend money. The extra tax received last year has been almost spent this year.

However, the tax revenue will be higher next year because sea trade is fully open. According to the financial reports submitted by the three companies at the end of the year, based on last year, the three companies collected at least 15 million yuan more!

For a time, the ministers in the court congratulated Zhao Zhen one after another, and some people praised Zhao Zhen as a wise king. Now that the prosperous age has come, etc., there is nothing more auspicious.

Then Zhao Zhen announced that a big celebration would be held during the Spring Festival this year, and a lantern festival would be held during the Lantern Festival, etc.

If Zhang Heng hadn't prepared for this a long time ago and prepared an extra part of the budget, he might have been in trouble.

I was struggling with everything, but I finally got through this new year.

In fact, Zhang Heng didn't know whether what he did was right or wrong.

He organized so much business for the court, which made the court's income more and more. It seemed that the country was becoming more prosperous and the people were more secure, but Zhang Heng knew very well that this was just an illusion.

Nowadays, many problems are just covered up by the sudden increase in wealth. The contradictions are actually still there, and they are still growing, such as the rapidly growing number of officials, the ever-expanding army, and the rapidly growing military expenditures...
To be continued...