Chapter 198 Two People (First update, please vote for me!)

8 has many meanings, and in southern pronunciation, because "8" and "fa" are homophonic, it is often taken to mean getting rich.

Lianyungang, Eighth Avenue.

Almost immediately after Eighth Avenue and Yixing Street, the land prices here have increased rapidly under the deliberate manipulation of the management committee. According to the plan, Eighth Avenue will become the financial center of Lianyungang. To be precise, it will be Lianyungang.

, and even China's Wall Street, because of this, when the Ministry of Finance of the central government approved the establishment of the "Huaihai Industrial Reserve Bank", the Huaihai Industrial Reserve Bank was positioned here.

On the surface, the Huaihai Industrial Reserve Bank building is not large in size. It is a modern European-style building with three floors in the main part and four floors in part. Apart from the sturdy Roman columns, there seems to be nothing conspicuous about it, but it is two thousand five hundred

With a share capital of 10,000 yuan, it is the bank with the highest share capital in China, including foreign banks.

This also shows the ambition of Huaihai Industrial Reserve Bank, but in fact, Huaihai Industrial Reserve Bank originated from the "Liuhe Company Employees' Savings Bank", a "company bank" that originally only collected and saved company employees' deposits and paid company employees' wages.

, even now, this bank is listed, in fact the business does not go out of Lianyungang, at least not out of the Longhai Line.

"We want to create a new private bank that does not rely on the government, is not controlled by bureaucrats and politicians, can operate independently, and develop freely. It will be a brand-new bank, it will have brand-new financial control methods, and a brand-new direction of monetary investment.

With a brand-new business philosophy, it will drive a large number of China's national industries and commerce and make them bigger and stronger. The capital of this brand-new bank will expand rapidly like a balloon. One branch will be established one after another, starting from Lianyungang.

to the whole of China, until it spread all over the world, becoming a powerful financial empire. In this empire, silver dollars flow like a river. Wherever it flows, factories rise from the ground, blowing through the wilderness like a spring breeze.

The business district is prosperous and busy..."

Sitting in the bank manager's office, Chen Huide was thinking silently about the instructions given by the chairman before he accepted the appointment letter after coming to Lianyungang. Although the chairman's words made people look forward to it, he knew that this new bank and its new financial control

Methods, new monetary investment directions and new business concepts are still just the words of the chairman. Although the chairman has proposed some concepts such as installment payments, credit loans, venture capital and other banks to support industrial development, in the end, it is still difficult to create all these.

It needs to be created by him.

As the manager of Huaihai Industrial Reserve Bank, Chen Huide certainly knows that many colleagues in the banking industry now call this bank a "little big bank" or a "big and small bank". Small banks with large capital are actually quite similar in name.

The company ranks first in the country in terms of revenue, with 25 million yuan, but there are only six branches in Lianyungang, and only four branches have been built along the Longhai Railway, and they were built on the basis of employee savings banks.

But when this small bank was born, colleagues in China paid special attention to it. Everyone knew that this bank was wholly owned by Li Zhiyuan. Although it was only established two months ago, its deposits exceeded 3,000 yuan.

million, and the loan amount exceeds 16 million, all of which were completed with the help of Liuhe Company.

The installment payment for the machinery and equipment provided by Liuhe Company used to be the company's responsibility, but now it is all the responsibility of this "little big bank". It even provided a sum of three million yuan to the newly established China Fertilizer Company when it was first established.

venture capital.

But Chen Huide knows that this bank is not a bank at all. Most of the deposits it absorbs are the company's own deposits and local deposits in Lianyungang. If the bank wants to become the core of the financial empire, it must go out and do what it needs to do.

Big, strong...

Opening the window, the gentle autumn wind blew against his cheeks. Under the sunshine, the flat water surface of Confucius Lake in Confucius Park in the distance had no ripples. This was in sharp contrast to Chen Huide's mood. At this time, he was experiencing ups and downs in his heart.

.

At this time, it seemed that he and Xizi Lake were the only ones left in the world. He remembered that a few days ago, at the banquet for the establishment of HSBC Lianyun Branch, an important official from HSBC he met had actually asserted

He said that China's banks cannot be run well by the government, and private banks cannot run well. This sentence deeply hurt Chen Huide's heart and reminded him of the British staff there when he worked at the Hankou Customs Brokerage in the past.

The arrogant demeanor, the contemptuous looks of foreigners at international expositions, the cold reception and blank looks when dealing with foreign commercial banks...

Thinking about the past scenes and looking at the waves of Confucius Lake in the park in the distance, Chen Huide secretly made up his mind.

"No matter what, we must set up a bank to show them how to give credit to China's financial industry."

Chen Huide, who once headed the Bank of Jiangsu, clearly knows that China's financial and economic lifeline is now controlled by powerful banks. Countries borrow money from the Chinese government and open banks in China, monopolizing China's finance and finance.

Shanghai, the most developed area in China's financial industry, is dominated by imperialist banks. Among them, the British HSBC Bank is particularly powerful. Foreign commercial banks achieve their purpose of controlling China's finance by manipulating and utilizing Chinese banks. Foreign commercial banks only accept

The bank's bank notes do not accept the bank's cashier's check. Foreign banks also provide loans to the bank, and the bank's bank notes can be circulated in the market, and bank notes must also be entrusted to the bank's agent for exchange.

Therefore, banks have become the hub of domestic commercial finance. Domestic government-run banks or banks with strong capital can still have some room for activity. If necessary, they can use the landlord's official deed in the concession as collateral to borrow money from foreign banks. General banks cannot

With these conditions, it is quite difficult to even open an account at a foreign commercial bank in the concession.

At this time, the comprador of the foreign bank was very arrogant. He had the Taoist deed in his hand, which could be used for borrowing money, and he had the financial resources to advance money for the bank. He had contacts with the government and foreigners, and he became a "high-class Chinese".

Chen Huide knows better than anyone that although Huaihai Industrial Savings Bank has strong financial resources, its foundation in the domestic financial sector is still shallow, and its social reputation is not high. It can be said that its status in the financial sector is not even as high as that of a foreign businessman. Now not only

There are no government-owned banks or banks with strong capital that can guarantee loans, and they have not obtained the qualifications to do business with foreign commercial banks like banks.

Assessing the situation, Huaihai Industrial Savings Bank has only one way to go, and that is to find a way out in the cracks between foreign banks, banks and large domestic banks. This way is to expand its business to major cities, open branches, and strive to expand the bank's business.

In addition to the issuance of banknotes, perhaps the most important thing is to rely on the Longhai Railway to march into the hinterland of China that foreign banks have not yet controlled.

"Hinterland"

Thinking of the future of Huaihai Industrial Savings Bank, Chen Huide frowned slightly. Due to the unstable political situation in the country and frequent changes, wealthy people such as bureaucrats and gentry in the mainland transferred most of their assets to Shanghai and deposited them with foreign businessmen in the concession.

Banks, relying on the special rights enjoyed by foreign banks within the concession, sought security for their property.

However, there are only a few bureaucrats and gentry who can deposit money in foreign banks. The vast majority of bureaucrats and gentry are still in the hinterland. At the same time, the general middle class and the general public still have a lot of idle funds.

Chen Huide is already well aware of these situations.

"It seems that the only way is to find a way to expand business to the inland as soon as possible and open branches, and then quickly expand the bank's capital by absorbing a large amount of savings deposits..."

Whispering, Chen Huide's eyes finally lit up. He had been working in the banking industry for several years. Of course he knew what a bank was. To put it bluntly, a bank puts the money of people who don't know how to spend it into the hands of people who know how to spend it. But now for

As far as Huaihai Bank is concerned, the most important thing is to make use of its current capital advantages as much as possible, establish as many branches as possible, and then...

While he was thinking, a clerk came in and said.

"Manager, someone wants to see you."

Chen Huide, whose thoughts were interrupted, didn't even raise his head to speak.

"Invite him in."

A well-dressed middle-aged man walked in.

Chen Huide looked up, was stunned, and shouted in surprise.

"It's you, Wei Xin"

The visitor was none other than Zhou Zuomin. He and Chen Huide had worked together in Nanjing. At that time, one of them was the manager of the Jiangsu Bank and the other was an official of the Ministry of Finance of the Provisional Government. The two had a very good conversation at that time and thus formed a friendship.

Looking at the cheerful Chen Huide in front of him and holding his hand, Zhou Zuomin said with emotion.

"Guangfu has achieved something today, and now I..."

After sighing, Zhou Zuomin bluntly stated the intention of his visit, and then told the reason why he sent his resignation to Zhou Xuexi.

"...Brother Guangfu, please don't dislike me."

"Weixin, you are too impulsive."

Zhou Zuomin's words made Chen Huide sigh, and then he said slowly:

"Now that you're here, well, our bank is short of an audit director. If you're willing to give in, you can take up the position tomorrow."

After hearing this, Zhou Zuomin, who had been unemployed for several months, quickly bowed deeply to his new boss with gratitude.

"Thank you, General Manager Chen"

A quarter of an hour ago, he was still beating the drum in his mind, even planning what to do if he couldn't find anything to do for three months, or what to do if he was unemployed for half a year... But now, he just found a job as soon as he came here.

"Weixin, what are you..."

Seeing Zhou Zuomin like this, Chen Huide shook his head and said with a smile:

"No need to be polite. Although you and I don't have much experience in the past, I have heard about your character, talent, knowledge, and ability for a long time. Your colleagues in the banking industry speak highly of you. The banking industry in our country has just emerged, and we are in urgent need of new innovations."

I have long planned to hire you as a talent with new ideas and new concepts to audit our bank. However, I am afraid that your talent will be compromised and that the Ministry of Finance will not let you go. You will also be accused of poaching your bank and affecting the relationship between our bank and the Ministry of Finance.

I didn't dare to talk about it because of my family background. I also learned a thing or two about you from others. Now that you're here, I don't need to visit you in person. Anyway, do your best. At Huaihai Bank, I'll meet you

There is a chance for you to show your talent."

Seeing that Chen Guangfu cared so much about his own face, Zhou Zuomin stood up and left with gratitude. It took him less than half an hour to arrive in this living room. Things turned out so smoothly, and Zhou Zuomin suddenly felt that he had found a place to use his skills.

That night, he couldn't sleep because he was thinking about things. The first thing he thought about was to make some achievements and contribute to Huaihai Bank in order to repay Chen Guangfu's friendship for helping him at the critical moment. But then he thought:

"We should carefully review our experiences after returning from studying in Japan, especially since joining the Ministry of Finance, and find useful lessons learned from them."

When Zhou Zuomin thought of this, the image of Zhou Xuexi immediately appeared in front of his eyes.

"Of all the important things, interpersonal relationships are the most important. Only by treating interpersonal relationships as the first key can it be in line with China's national conditions and be possible to achieve success and make a difference."

When he thought of Zhou Xuexi, he came to this conclusion logically. He was confident that he was capable, and practice proved that he was capable. His colleagues even recognized that he was capable. Not to mention that the director of the Ministry of Finance was competent and happy, even as the Ministry of Finance.

The deputy chief and chief officer are more than enough. But just because of the bad relationship with Zhou Xuexi, you have been hit repeatedly. No matter how great your ability is, you can't display it. You can only gain nothing except sadness and anger.

"Interpersonal Relationships"

Good interpersonal relationships can have both sides, and can control the situation. After making this decision in his heart, Zhou Zuomin sat up suddenly and resolutely wrote in his notebook.

"Harmonious interpersonal relationships are the lifeblood of success"

Not long after arriving at Huaihai Industrial Savings Bank, Zhou Zuomin, who seemed to be very good at handling business, was appointed to a new position as the director of the taxation department. The taxation department is a unique business of Huaihai Industrial Savings Bank. The bank is responsible for collecting various fees for land use along the railway line.

Donation, this is a miscellaneous thing, but it is one of the most important businesses of the bank.

In the autumn of Lianyungang, the air is quite cool. High, fast-moving clouds fly across the blue sky. In the backyard of the bank building, Chen Huide walks along the garden path with a sad face, while Zhou Zuomin follows closely behind.

. tentatively asked:

"General Manager, you seem to have something on your mind?"
To be continued...