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Opening a bank, playing with financial leverage, and establishing a global business empire in the seventeenth century was once a beautiful dream of many people across time, especially "economic experts" such as Julie and Lin Feng. When they were in Lingao

They tried to open a bank and issue banknotes, but reality gave them a blow - the common people did not recognize this at all. Unless forced with a gun, no one would accept paper currency. Even if it was given to soldiers as military pay, they would not accept it.

It almost caused a mutiny, so I had to give up the idea.

Later, in Qiongzhou, they took a step back and issued silver coins with higher purity. Silver cakes with fixed denominations were used to replace the broken silver used by the people. This time it was finally implemented. However, there is a fundamental problem with using silver directly as currency.

That is: their economic scale and business planning are restricted by silver reserves, and in order to ensure the circulation of this type of fixed-amount currency among the people and strengthen the development of private economy and trade, they need to invest a large number of finely minted silver coins into the market to ensure that they occupy the market.

Through financial means, Chuanzhong avoids the hoarding of these silver coins by exempting them from the fire consumption. This is not only effective for residents on the island, but also has the same effect for merchants outside the island - because the use of silver coins locally can be exempted from the fire consumption.

rate, so on Hainan Island, the actual purchasing power of silver coins is higher than that of ordinary silver taels, but there is no such advantage in other places. One silver coin is worth the same as half a tael of silver. In this way, even if foreign merchants come to Hainan, their income

After the silver coins are collected, they should also be used inside Hainan Island as much as possible to avoid the trouble of silver coins flowing out.

In this way, after the use of self-made silver coins, Hainan Island has become a relatively closed economy compared with surrounding areas. External exchanges are mainly goods, and silver coins are only circulated internally. It can be said that this batch of 21st century

This financial system designed by professionals has the best self-consistency in the world today.

It's just that no matter how sophisticated the system is, it cannot be perfect. The law of "bad money drives out good money" will always work - not everyone will think about problems rationally like financiers. "Hongwu" in Qiongzhou Prefecture

"Tongbao" silver coins are exquisitely minted, with high purity and weight. Coupled with the preferential policy, "short-haired silver coins are valuable" is becoming the consensus of everyone. Therefore, many Ming Dynasty businessmen would spend as much money as possible when leaving the island.

taels of silver, and more or less take away some silver coins, either as souvenirs or to preserve value - anyway, they can still be used next time.

Especially in the past six months, with the increase in the scale of trade between Hainan Island and the outside world, the outflow of silver coins is gradually accelerating. The market has begun to show signs of insufficient currency supply. Theoretically speaking, it is profitable to mint coins through public

Buying and selling, the more silver coins flow out, the more they earn. But currently the mint still uses the same team as the military factory. There are only a few large hydraulic presses. The relationship between pressing bullet cases and pressing silver coins is to exchange molds. In

There have been frequent military operations in the past, and armament production cannot stop for a moment. Even if there are more silver reserves, there will be no time to convert them into currency.

"...So, we still need a bank. If we can issue banknotes and only use precious metals as reserves instead of direct circulation, a lot of troubles can be solved."

"The idea is good, but the reputation that Ming Dynasty Baochao has brought to paper money is really bad. I am afraid that before the demise of the Ming Dynasty, ordinary people will not have any trust in paper money."

Lin Feng and Julie are naturally very interested in this kind of topic. However, because they have considered it a lot and tried it early, their concerns are also very practical: no matter how you have sufficient theories and detailed opinions, it will all be false if the common people do not recognize it.

"Well, indeed, so our previous path has gone astray - we should not develop business in the private sector from the beginning. A bank is a financial institution, and our service targets may first be targeted at customers who often need to use a large amount of money...

"

"merchant?"

"Yes, when I was in Manila this time, I talked with Lin Yizhuo and several other large merchants, and found that they already had a small amount of mutual lending agreements with several commercial banks on the mainland, that is, in a certain party

When I need to use money in a different place, I don’t carry a large amount of money directly with me, but borrow it temporarily from a familiar local merchant, and then return it when the other party comes to use money or purchase goods... So I talked to them about the concept of a bank in general.

Those people were really interested."

Ling Ning actually knows something about finance, and Lin Feng, who studied this, is of course more familiar with it:

"Bill business, Shanxi bank fortune business? Well, for banks, it is exchange business. The prerequisites are reliable reputation, safe information transmission method, and convenient cash withdrawal method... These are not a problem for us.

.”

"That's right, so half of the reason why Lin Yizhuo came here in person this time was because he wanted to talk about this matter. I only know a rough idea of ​​these concepts, so I can use them to fool people. If we really want to negotiate in detail, we need professionals like you.

People take action."

Ling Ning chuckled and put a tall hat on the people here. Lin Feng and others really benefited from it. The group of people chatted and laughed and headed to the dock - a fleet of Chinese merchants from Luzon had entered the port.

...receiving the Luzon caravan, holding a welcome reception, and inviting Xu Jing and other local merchants to negotiate with them—the few secretaries trained by Julie were already familiar with arranging these things, and no modern people needed to worry about them.

All you need to do is hold the wine glass with a smile and give a few words of welcome at the reception.

This time, the buffet was arranged, and it was held in the center of Qionghai Market, in the newly rebuilt "Crystal Palace" hall. Flowers and bonsais were placed everywhere in the hall, and there were even fountains and rockeries. It was not so much a restaurant.

It's more like a garden.

Most of the items placed in the room are cold meals - all kinds of exquisite fruits, snacks, and drinks are placed on the long tables around the wall. On the outdoor lawn, under the exquisite awning, various meats are placed.

and fish, all using the freshest ingredients and cooked on the spot by the best local chefs. The heat and taste are absolutely top-notch.

Amidst the wonderful and subtle music, the hosts and guests gathered in small groups, sitting or standing, each choosing their favorite food and drinks to enjoy. But at this time, no one cared about this kind of environment.

Whether you can eat enough - the key is to connect emotionally.

"Exceptor Lin, welcome to Qiongzhou Mansion."

As the host, Pang Yu was of course going to toast the guests who came from afar, and Lin Yizhuo had obviously been looking for him everywhere. When he saw Pang Yu walking over, he immediately stood up and came to greet him from afar, imitating their short-haired etiquette.

Stretch out your hand to shake Pang Yu's hand.

"Commander Pang, it's been a long time! We were saved last time, and our Lin family will always bear this kindness in our hearts. Mr. Ao, Brother Bei and the others led the army back to Luzon. I thought at that time: With your military commander Pang

His talent must be commanding the army among them, but unexpectedly, he is nowhere to be found... Haha, I had to make a special trip to visit him. Please forgive me for my rudeness."

Pang Yu smiled:

"I also want to go - the Chinese compatriots have been completely liberated from the hands of the Western Barbarians in Luzon. Who wouldn't want to be a part of such a glorious achievement. But there are too many chores here, and someone at home must take care of them, so I have to stay and look after the house.

Already."

"That's that's..."

Lin Yizhuo looked around and showed a very understanding look:

“Such a magnificent foundation must be managed by the most shrewd and prudent people.”

The attitude of this forest member seemed a bit abnormal... Pang Yu patted his head and finally figured out what was abnormal - when he was in Luzon, Lin Yizhuo treated them very kindly. Basically, it was like a wanderer from afar seeing his hometown.

The attitude of the newcomers was mixed with the pride of being a landlord. Even if they later caused a riot in Manila and saved the Lin family from crisis, the Chinese business leader was only more grateful to them, but the status of both parties was always

Still equal.

But here, Lin Yizhuo clearly placed himself in a lower position, and everything he said was flattering. No wonder it sounded so awkward.

The reason for this situation is not difficult to explain - the tough tactics of the East Route Army in the past few days have established absolute prestige in the Luzon area. Here, we first took guests to visit the big market, and now here

The purpose of hosting them in the unique Crystal Palace in the world was to use these ultra-era facilities to shock the other party - they had done this many times, and they succeeded every time, and this time was no exception.

Although I am secretly proud in my heart, I still have to appear humble:

"Hey, Lin, you don't have to be so open-minded. We are all friends in times of need, and now that we are married... we will be a family from now on. The facilities, goods, and technology here will all be shared with you.

"

It was a nice thing to say - anyway, it was not Pang Yu who was going to discuss the specific business terms at that time, he was happy to be a good person. Lin Yizhuo's eyes really lit up after what he said, and his attitude became much more relaxed after that.

Afterwards, I met other businessmen who followed Lin Yizhuo to Hainan. Some of them I had met at the Lin family's wedding banquet, and some were strangers. Several of them were said to be from the "Balian" village in the religious area.

Chinese businessmen. However, Pang Yu treated everyone equally and greeted him politely. The attitude of those people was also very respectful - just like Lin Yuanwai, they were also impressed by the strong economic strength and sophisticated technical capabilities displayed here.

Just when the cocktail party was in harmony, and the short-haired and Chinese businessmen were communicating with each other, hello, me, hello, everyone, suddenly there was a scream from a group of people nearby - listening to the voice, it turned out to be a young woman:

"You are not good people! You have massacred so many followers of the Lord, and you will definitely go to hell after your death!"

Yesterday I went on a business trip to Hongze Lake, and I’m going to go there tomorrow...I’m going to Shanghai again from Saturday to Monday. Damn, my legs are running thin.
Chapter completed!