In the study room.

Luo Xin and Lu Tingjiang sat opposite each other, and Luo Xin listened quietly to Lu Tingjiang's report. Lu Tingjiang is worthy of being a business genius, which made Luo Xin admire him. Lu Tingjiang's face also showed a proud look:

"If you don't have any tools, give me another ten years, and we will definitely become the richest man in the world."

Luo Xin smiled and said, "In less than ten years, there is a chance now, which may make us the richest man in the world within three years."

"What opportunity?" Lu Tingjiang's eyes lit up.

"That's it!" Luo Xinning said: "I discovered a problem. Because merchants in various places trade frequently, the amount of silver in various places is very large. And once the market opens, the circulation of silver will increase greatly. Now these gold and silver are escorted by the merchants. Recently, our escort agency has competed for some share. However, this method is very unsafe. Our escort agency has been robbed several times. Although we finally defended the gold and silver, our people have suffered numerous casualties.

So I thought of a way that I could trade in other places without carrying a lot of cash.”

"What method?" Lu Tingjiang's eyes were as bright as two small suns.

"Ticket number!"

"Ticket number?"

"Yes! It's the bill number." Luo Xin began to explain: "These circulating silver is actually the relative flow of two places, such as from place A to place B, and then from place B to place A. This flow does not actually require escorting the cash bank, it only requires the two places to hedge the accounts..."

Lu Tingjiang was so excited when he heard this. He had been doing business since he was a child. Luo Xin talked about his later experiences similar to banks. Lu Tingjiang understood as soon as he heard this. If he followed Luo Xin's method, there were so many obvious benefits and the growth of customers was inevitable. The silver deposited in places A and B would continue to increase. Once the deposited silver increases, the solvency will naturally become stronger. After gaining the reputation of the customer and gaining reputation, there is no need to settle it once. It can be settled every year. This undoubtedly greatly reduces the number of times the merchant transports silver, the cost and the huge risks.

This method is undoubtedly advanced and transcendent. This form has not yet appeared in the Ming Dynasty. Once Luo Xin starts this business, he will really become the richest man in the world in three years as he said.

Now Luo Xin has gradually become stronger. Although he is only seventeen years old, he has gradually accumulated a lot of connections. Not to mention the Fuxing Society, not to mention the entire Ming Dynasty, but to only in the southeast, with Hu Zongxian and Song Danian, he can also be worry-free. Then he has strong civil forces and established escort agencies to ensure the safety of silver. As for commercial reputation, as long as the five major families start to deposit silver into the money house, there will be no problem in the southeast's operations.

As long as the situation is opened up in the southeast, it can be promoted to various parts of the Ming Dynasty.

The two of them studied for a night, and then Lu Tingjiang left and began to dispatch troops. Over the years, they had been in the Ming Dynasty and the grassland, and had engaged in various businesses. A group of talents had already cultivated. At this time, the letters sent by various talents were quickly coming to the southeast through the escort agency. At this time, Lu Tingjiang had already drawn a group of people nearby. With the help of Luo Xin, he bought several street shops and began to decorate them.

At the same time, Luo Xin began to ask the escort agency to recruit craftsmen and go to exile to redeem scholars. The money was drawn out like flowing water.

Time is like water, and May is soon coming. The spring flowers are already blooming, and everything about Luo Xin is also developing in a positive direction.

Lu Tingjiang has established a bank in the southeast, and the name is "China Bank".

When it first opened, China CITIC Bank had a lot of guests. The most eye-catching thing was that the prefect of Suzhou and Hangzhou for two weeks and the governor of Southeast China Hu Zongxian came to congratulate people, allowing people to see that China CITIC Bank's background was strong. This was naturally because of Luo Xin's personal invitation, which made Hu Zongxian and others know that the boss behind this China CITIC Bank was Luo Xin. They naturally came to support the show happily.

Not to mention people at the level of the Five Masters. Luo Xin did not invite them in person. Just Lu Tingjiang came to visit him and told him his identity. It was enough that his niece Lu Rudai was Luo Xin's wife. How could these Five Masters not know that the boss behind China Merchants Bank was Luo Xin?

Other businessmen found out that the five masters all came to China Merchants Bank to congratulate them. How could they not come after receiving the invitation?

Therefore, China Merchants Bank has reserved the most famous restaurant in Hangzhou, with three floors and full of seats.

But they came, but they didn't know what China Merchants Bank was doing. After three rounds of drinking, even Hu Zongxian couldn't help it and asked in a low voice like Luo Xin:

"No, what exactly does China Merchants Bank do?"

"This little brother is not very clear, but he is not as clear as Uncle Lu Er. Uncle Lu Er..."

Lu Tingjiang stood up and bowed to everyone, "Dear Sir, VIP, Lu will explain the business scope of China Merchants Bank to you in detail. Lu's business has no conflict with everyone, only help..."

Speaking of this, Lu Tingjiang waved his hand, and more than a dozen shopkeepers stood up, went out of the private room, distributed them to the layers, and began to tell the guests about the business scope of China Merchants Bank. A personal voice sounded in the restaurant.

After Lu Tingjiang and others finished the talk, there was silence within the third floor of the restaurant. Everyone thought that this was a good thing, which made them convenient and made their gold and silver safer.

but……

But no one made up his mind and thought who knew whether China Merchants Bank was reliable?

Although they knew that the boss behind them was Luo Xin and had heard of the reputation of Lu Tingjiang in the north. However, this was not a trivial matter. They wanted to deposit real money to Huaxia Bank in exchange for only one ticket number. Everyone couldn't help but look at the five masters, and Luo Xin's eyes also looked over faintly. The five masters were in their hearts and thought quickly.

In terms of price gouging and colluding with Japanese pirates, it can be said that Luo Xin let them go. They owe Luo Xin a huge favor. This favor must be repaid. If it is not repaid, with Luo Xin's wisdom and decisiveness, and... cruelty... they should not think of living a good life.

Let's talk about it...

They remembered what happened after following Luo Xin, and then thought about Luo Xin's contribution to Hu Zongxian, Song Danian and others, and believed that Luo Xin was a trustworthy person. So the five masters looked at each other, and Lu Ding bowed:

"Brother Lu, when you talk about it, your surname is Lu. To be serious, we are also our own family. From today on, our Wuxian Lu family has cooperated with China Merchants Bank."

The heads of the other four families also expressed their willingness to cooperate with China Chuangye Bank. These five major aristocratic families have made their statements. No matter what the small and medium-sized families think, at least on the surface they warmly expressed their willingness to cooperate with China Chuangye Bank. As for whether it will be implemented, they will go back to observe the five major aristocratic families. If the five major aristocratic families really cooperate with China Chuangye Bank, they will naturally follow closely.

So, will the five major families cooperate with China Merchants Bank?

The answer is yes.

As long as Luo Xin is in the Southeast for one day, they will definitely cooperate with China Chuangye Bank. This is no longer a matter of money, but a matter of survival. Waiting for them to get the sweetness, even if Luo Xin leaves the Southeast, they will continue to cooperate with China Chuangye Bank. With the sincere cooperation of five major families, it is not a problem for China Chuangye Bank to take down those small and medium-sized families.

Lu Tingjiang and Luo Xin exchanged their eyes, and joy appeared in both of them.

There were less than three days since time passed. Under the leadership of the five major families, merchants from all over the Southeast deposited gold and silver at China Merchants Bank, and China Merchants Bank also opened its branches to all parts of the Southeast in a very short period of time.

Six days have passed, and this time it was Luo Xin who invited the guests at Louwailou, and he still invited the heads of the five major families and small and medium-sized families in the southeast to Louwailou.

This time, we set up a joint-stock company to open the market. Luo Xin printed the various articles of association of the joint-stock company into a booklet. No one sent a copy and answered the questions raised by various merchants in detail. Then, after three consecutive days of discussion, we added some clauses, and finally the issue of share distribution.

Regarding the issue of share distribution, Luo Xin did not use the government to suppress others because he just wanted to form a rule. In this company, the government is not the one who decides it. All matters must be resolved by the shareholders' meeting. The government's identity is only a shareholder, which prevented Luo Xin from leaving the Southeast, and the government made the joint-stock company a mess.

Therefore, Luo Xin has been reasoning and facts with them, constantly explaining that the government has played a crucial role in this company. In order to win 20% of the shares for the government, the five major families divided up 50% of the shares, each of which was 10% and the remaining 30% were taken out 20% for those small and medium-sized families. The last 10% was left for sale to the people of the Ming Dynasty, and anyone could buy it.

After several days of memories, the company named Daming Haimao was listed. In this way, the seamao business operated by Maritime Corporation became the business of these families in the Southeast. They all took their heart and vigorously promoted the prospects of the company. In less than seven days, the remaining 100 million shares were divided into several shares and sold out. It took less than half a month for Daming Haimao Company to gather tens of millions of taels of silver and deposited it into China Merchants Bank, which made Lu Tingjiang's mouth so happy that he couldn't even close.

Then the Hai Trade Company held the first shareholders' meeting to discuss the issue of the allocation of sea trade quota. First, each merchant reported what goods they planned to operate this time and how much goods they could transport. Then everyone all allocated them in a unified manner, making a lot of noise, but they all smiled. After the meeting, merchants from all over the southeast went back to organize the supply of goods and started to transport them to Hangzhou. The business of transporting these goods was naturally handed over to Luo Xin's carriage, and the task of escorting them was naturally handed over to Luo Xin's escort agency, with a steady stream of money. Before the Maritime Warehouse opened, Luo Xin had already made a fortune.

At this time, the Maritime Trade Company had a sound organization and performed its own duties. The wharf and warehouse were almost completed. The Daming Haitrade Company had already started to operate, just waiting for the Maritime Trade Company to open.

but……

Luo Xin still had the last problem that had not been solved, and if this problem was not solved, he would not have thought that the market would open the market.

Japanese pirates!

good!

It's the Japanese pirates.

If the Japanese pirates fail to resolve the problem for a day, the Maritime Bureau will not be able to operate. Now Ye Ma has been shot and killed by Luo Qing. Although Xu Hai and Xin Wulang have escaped, they have been completely crippled by Luo Xin. Even if they are not dead at the sea, they have no say. Now only Wang Zhi has the only say at the sea.

Moreover, Wang Zhi has always been the controller of the greatest voice at the sea. Without Wang Zhi's cooperation, or Wang Zhi was crippled, the merchants from Frangi, Persia, Japan, and Southeast did not dare to appear in the seas of the Ming Dynasty.

This is a manifestation of Wang Zhi's heroic spirit and a tragedy of the Ming Dynasty.

"I'm going to find Hu Zongxian! I wonder how he and Wang Zhi were talking?" Luo Xin said softly.

"It's been several months!" He said in a young voice.

Luo Xin sighed and said, "This matter must urge Hu Zongxian to speed up, otherwise if it is dragged on, what is my credibility? What is the credibility of the Maritime Trade Center? The Ming Dynasty's Hai Trade will also collapse. It will not be easy to gather these merchants together at that time."

"There is nothing to do!" Wang Ziren said softly: "Our Maritime Department can't do anything about this matter at all. It's Hu Zongxian's business. Only he can solve this matter."

"Then we can't just wait passively, right?" Luo Xin said helplessly.

the next day.

Luo Xin took Lu Daqing and under the protection of the Wandaquan Guard, he came to the Suzhou Governor's Office. When he arrived at the Governor's Office, he realized why Wang Zhi had been dragging him and did not come.

This starts with the attack on the Southeast by Xu Hai, Ye Ma and Xin Wulang. At that time, Wang Zhi was thinking about sitting and watching the two tigers fight. His mind was to wait for the Japanese pirates to fight with the Ming Dynasty to suffer a loss, so he could gain a greater advantage. So at that time, Wang Zhi broke off contact with Hu Zongxian. Hu Zongxian was also busy dealing with Xu Hai and others at that time, so how could he have the intention to contact Wang Zhi?

Later, Wang Zhi and Hu Zongxian did not expect that Luo Xin would defeat Xu Hai, Ye Ma and Xin Wulang's troops in one fell swoop, and Luo Qing also shot Ye Ma. More than 50,000 Japanese pirates were almost all surrounded and killed, only Xu Hai and Xin Wulang fled back to the sea with hundreds of people.

At this moment, Wang Zhi was shocked when his plan failed. He did not expect that the Ming Dynasty officers and soldiers had become so powerful now. Even if he was now, he would not dare to go ashore easily. So he immediately decided to contact Hu Zongxian and start negotiations. He could return to the Ming Dynasty in the future and return home in glory.

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