Chapter 1538 Financial Institutions

Cai Jinmei's reputation does not only exist within Haihan. Most bank bosses in Zhejiang have also heard that the official in charge of Haihan Bank is a woman, and her methods are quite powerful. Although businessmen generally do not have the saying "women cannot manage accounts"

” and other outdated concepts, but it is enough to make people feel horrified that a large and well-known bank like Haihan Bank is managed by a woman behind the scenes.

How rich Haihan Bank is, just like how high the combat effectiveness of Haihan Army is, is a puzzle that is difficult for Mingren to have a specific answer. However, some big businessmen who are closely related to Haihan have been fortunate enough to work in Haihan.

I visited the Haihan Bank's vault on Zhoushan Island. It is said that there are millions of cash reserves in it that can be used at any time. Even if there is any emergency, another million in cash can be transferred from Fujian within three days. It can be said that the funds are very abundant.

And this is just a branch of Haihan Bank in Zhejiang.

There is also an office of Haihan Bank in Ningbo city. However, because the trade relationship between Haihan and Daming was not officially recognized before, the business scope of this office is relatively narrow and there is no public savings and lending.

This kind of business only provides account settlement services for merchants who have money transactions with Haihan. As long as Ningbo merchants open a special account at Haihan Bank, all trade transactions with Haihan can settle accounts through this office.

You need to take risks and carry boxes of money back and forth.

Of course, it is also very convenient for depositors to withdraw money stored in Haihan Bank. They only need to go through the procedures with their own passbooks and seals. For larger withdrawal amounts, the bank will also provide additional weapons escorted by golden shields.

Bodyguard escort service to your home. Although the market is left to local banks in terms of deposit and loan business, in fact, in order to facilitate trade settlement, businessmen in coastal areas of Jiangsu and Zhejiang still have a considerable amount of funds deposited in Haihan Bank, according to people familiar with the matter.

, the amount may be two to three times more than the cash in the Haihan Bank vault.

With such a huge amount of funds, Haihan Bank only needs to do a little off-the-counter operations and use some financial means to collapse local banks with capital of only a few hundred thousand taels in just a few days.

Both local businessmen and bank bosses know this very well. Haihan has never taken such radical measures to get rid of competitors, which is enough to make these bank bosses feel in awe. Now Haihan senior officials come to Ningbo

If you want to convene a meeting with the local top figures in this industry to discuss the formulation of industry standards, no one dares to be absent. Otherwise, it will be like isolating yourself from the financial system built by Haihan. That would be like hanging yourself.

Longer.

So even though they knew that the person presiding over the meeting was a woman, no one dared to neglect it for this reason. They all came to the house where Shi Diwen was staying early to wait. Several bosses have been working in the industry for many years, and they are all in Ningbo.

We work together in the place, and we are familiar with each other, so we exchange information before the meeting, but after asking around, we are not sure what the real purpose of Haihan's industry meeting is.

Jin Mingfa is the boss of "Xinlonghao", a local bank in Ningbo. "Xinlonghao" has a wide network of contacts in Ningbo's business community and is the largest in terms of business scale. Therefore, the boss Jin Mingfa can be regarded as a leading figure in this industry. He was the first to ask

: "Do you know what the Haihan people mean by integrating the industry this time?"

Everyone looked at each other and said they didn't know. He Tinggui, the boss of "He Xing Hao" said: "At this critical moment, Boss Jin, stop talking in circles. If you have any news, you might as well make it clear so that everyone can quickly add it up."

Jin Mingfa sighed, shook his head and said, "What else are you planning? They have made it clear that they want everyone to obey orders and run the bank according to their wishes from now on. How dare you not listen?"

He Tinggui coughed dryly and said: "Since the Haihan people politely invited everyone here for a meeting, there is room for discussion. If the method they come up with is not to everyone's liking, they may not be able to bargain again."

Jin Mingfa said: "When bargaining with the Haihan people, when have you ever seen them suffer a loss? In my opinion, there will be no room for maneuver this time. Everyone, be prepared to change the name of the bank!"

When everyone heard Jin Mingfa's words, he was obviously saying that Haihan was planning to merge various banks. Wouldn't this have shaken their foundation? How could everyone endure it? They all started talking about it.

How to protect your family property and business from being easily swallowed up by Haihan.

Seeing that several others were still trying to negotiate with the Haihan people, Jin Mingfa sighed and interjected: "Everyone, the Haihan people have so much cash on hand. As long as they make a little move, various banks can appear.

Run and run, even if Haihan made this method public and asked you to prepare in advance, which bank can withstand it? If the banknotes issued by various banks for exchange with joint numbers in different places fall into the hands of Haihan people, it will take

It is also easy to bring down the stores you opened outside Ningbo."

"Are we just going to let the Haihan people do whatever they want?" Although Jin Mingfa's words were reasonable, there were still some people who were unwilling to become puppets bound by Haihan and raised questions angrily.

"I'm sorry, you can really do whatever you want with money."

Suddenly a woman's voice sounded from outside the door. Everyone turned to look and saw a thin and tall middle-aged woman walking towards the door. This woman was thin and tall among men from Jiangsu and Zhejiang.

Wearing a black cotton gauze skirt, a pair of deerskin sandals on her feet, her long hair was tied into a bun on the back of her head, her facial features were deep, her lips were as thin as wings, and her eyes were like hawks, and her eyes swept over everyone's faces one by one as if they were looking for food.

The man who had just spoken to question Haihan's actions had her eyes lingering on his face for a moment, and couldn't help but shudder, feeling as if he was being stared at by a predatory beast.

The woman crossed the threshold and walked into the hall with her hands behind her back. Although she didn't even have an entourage with her, she had the aura of a superior person exuding from her body. No introduction was needed at all, everyone knew it.

This person must be the rightful owner today.

The tall woman walked swiftly to the upper seat and sat down, then introduced herself: "I am Cai Jinmei, who is in charge of banking affairs in the Ministry of Finance of Haihan. You can also call me Director Cai."

These bank bosses have been dealing with Haihan for a year or two, and they also know that the official position of "director" can be high or low in Haihan's bureaucracy, but if they are assigned from Haihan's "department",

Director, that is definitely not a small role. Besides, Cai Jinmei is already well-known, and no one dares to treat her as an ordinary woman. Although it is strange for Haihan to appoint a woman as an official, it does not mean that they can show any disrespect to Cai Jinmei.

disrespectful.

Everyone hurriedly stood up to greet him. With Jin Mingfa as the capital, he called himself "Lord Cai", but no one matched his official position. As for the extremely arrogant line Cai Jinmei said when he appeared just now, everyone didn't think there was anything wrong.

After all, they themselves deal with money all day long, so it can be said that they quite agree with the values ​​​​revealed in Cai Jinmei's words. With Haihan's wealth, even if he wants to do whatever he wants, isn't that a matter of course?

Cai Jinmei was a little disappointed when she saw that everyone was so submissive. She originally wanted to use those words to provoke these local bank bosses, so that if there was any irritation that wanted to jump out at this juncture, she could use her tactics on the spot.

If she continued to suppress her, it would have the effect of killing the chicken and scare the monkeys. But she didn't expect that these people had no intention of refuting her intentional provocation, so she had to give up this plan.

At that moment, a servant came in to give Cai Jinmei a special cold drink, and brought a few more basins of ice cubes to put in the hall to cool down. Although the method of using saltpeter to make ice in summer is not uncommon in Ningbo, there are only a few wealthy families.

Only then can we have the conditions to make such a fuss. Several basins of ice cubes have been placed in this hall before the guests arrived, and they are replaced every half an hour. The temperature in the room can be described as cool. What everyone tasted

There are also hot and cold drinks to choose from. The hot ones are high-quality tea, and the cold ones are iced juice or sugar water. This kind of treatment is probably only possible for Haihan people who are not short of money.

Cai Jinmei is also a person who works neatly. She did not spend any more time talking in circles with these bank bosses, but quickly got to the point: "The reason for inviting you here today is clearly stated on the invitation.

I hope that the banks you run can unify the operating standards with our Haihan Bank in the future and gradually establish a universal deposit and withdrawal system. As for the benefits of doing so, you are all insiders, so I don’t think I need to explain them in detail, right?"

If these private banks can connect deposits and withdrawals with Haihan Bank and open up deposit and loan procedures, it will undoubtedly greatly increase their capital flow speed and business volume, and reduce daily operating risks. The benefits are indeed obvious. But this matter also has two sides.

Although it is undoubtedly a big fat leg for private banks, the size of these banks is too small compared with Haihan Bank. If the unified deposit, exchange and other operating standards are realized, it will actually mean that

From that moment on, they were already affiliated institutions of Haihan Bank. In terms of capital operations, they did not have enough ability to compete with Haihan Bank. This unification of industry standards was actually a kind of unification for private banks.

Disguised annexation.

There are many people who can see through this essence, but there are only a few people who dare to raise objections. Everyone looked at me and I looked at you, neither agreeing nor objecting, and fell into a strange silence for a while.

.

Cai Jinmei is such a shrewd person. He could guess the general thoughts of everyone just by looking at their strange attitudes. The operators of financial institutions in the Ming Dynasty would rather be the head of a chicken than the tail of a phoenix. This fact has long been revealed by Schneider and Cai Jinmei.

It is within the estimation of senior officials of the Ministry of Finance. However, as financial activities are one of the basic factors of social life, Haihan is bound to gain control of this industry and will not be shaken by the hesitation of a few bank bosses.

Cai Jinmei looked at everyone's faces one by one. Those who were stared at by her eyes felt as if there were thorns in their backs and did not dare to look at them for too long. Finally, Cai Jinmei's eyes stopped on Jin Mingfa's face: "Boss Jin's Xinlong Hao

It is the largest local bank in Ningbo and is considered the leader in this industry. I would like to hear Boss Jin’s opinion.”

Jin Mingfa responded bravely: "Master Cai is so ridiculous! It's lucky that this small business can come into the eyes of Master Cai. How dare you call it a leader..."

Jin Mingfa looked at Cai Jinmei's face as he spoke, but he did not gain anything from that expressionless face. He could only continue: "The unified industry standards that Mr. Cai just mentioned and the implementation of universal deposits and withdrawals are natural.

It is a good thing, but the government may not agree with this matter, and there may be problems in its implementation."

Cai Jinmei responded calmly: "There will be no problems with the government. Daming and Haihan will soon establish diplomatic relations. Ningbo is one of the first ports to open trade between the two countries. Since it is official trade, the agency responsible for money exchange

It is necessary to unify management standards. If you want to be independent from this standard, you may need to think carefully about how to maintain operations in the future."

The fact that Ming Dynasty and Haihan are about to establish diplomatic relations has not spread in Ningbo. Only a few people have heard the relevant rumors, but there is basically no evidence. Although the bank bosses present each have official offices

background or connections, but Jin Mingfa was the only one who had heard the relevant rumors before coming here. He Tinggui and others were shocked when Cai Jinmei said this, but Cai Jinmei's expression was quite serious, and it didn't look like anything at all.

He looked like he was joking. Everyone immediately began to think about what impact it would have on the industry if the situation was really as Cai Jinmei said.

At present, almost all currency exchanges between the two countries are carried out by Haihan Bank, but in fact the Haihan banknotes issued by Haihan Bank already have certain currency transaction capabilities in the business districts of coastal state capitals. If the two countries formally establish diplomatic relations

And open to trade, then the circulation speed and volume of Haihan banknotes in the Ningbo market will inevitably increase greatly. If private banks still cannot implement universal deposits and redemptions, but Haihan Bank accepts all meat and vegetables, there is no doubt that

A large number of customers will be lost. Although Cai Jinmei's words contain a certain threat, they are not empty talk and should not be ignored.

Jin Mingfa saw that his colleagues were all turning their attention to him, and he knew that these people were counting on him to negotiate with Cai Jinmei. He gritted his teeth and said: "Master Cai, establishing diplomatic relations between the two countries is not a piece of cake. Even if they really want to do business, from the announcement to the

There is also a process for implementation, which can be as short as a few months or as long as a year and a half. How to implement universal deposits and withdrawals between local banks and Haihan Bank, I think we can slowly discuss it, but there is no need to rush for success to avoid making mistakes in the rush.

.”
Chapter completed!