Chapter 246 Promotion of the Financial System

After Wei Ping sent his first letter of persuasion to Yazhou, the Port Area Management Committee had already arranged for people to start building the new Yulin Inspection Department Yamen. However, due to the recent development of Tieliang Port, construction workers under the Ministry of Construction

Most of them were sent to Tielugang for work, so the construction progress of the Inspection Department can only be described as very slow. After more than ten days of construction, they only completed the basic ground drainage ditch and foundation construction. Even the shadow of the house was

Haven't seen it yet. Although Wei Ping was very anxious, he didn't dare to rush the people from the Ministry of Construction - the Ministry of Construction is the yamen directly under the direct supervision of Tao Donglai, leader Tao Da. He can't afford to offend him. The stakes in this

Wei Ping understands the relationship very well.

Moreover, the Inspection Department is not the only one whose projects are being delayed now. The "Safety and Security Office" and "Port Affairs Center" on the left and right of the Inspection Department have also only completed the preliminary foundation works and have not received any special care. This is even more

It makes Wei Ping unable to find any faults.

Just because the inspection department has not been built, it does not mean that Wei Ping and his gang do not have to do anything. Early that morning, someone notified Wei Ping and asked him to assemble the team and go to the dock to perform the task. This so-called "task", Wei Ping

This is not the first time Ping has received one. Since September, every time a large number of immigrants arrive at Victory Port, the relevant departments will pull out the inspection department and make a show at the dock to appease the new immigrants.

and deterrence. Wei Ping gathered his team slowly, dressed neatly, took the flag of the inspection department to the pier, and started another performance. This time he saw more than a dozen ships entering the port at the same time.

The people in the Inspection Department were also talking about the scene, speculating whether the Haihan people had a new stronghold to develop.

With a large number of militiamen and security guards present, there was no need for the Inspection Department to intervene in matters such as maintaining order. At this time, Ren Liang sent someone to convey a new mission to them - to meet a group of people from Guangzhou who had just arrived here.

Merchant. Only then did Wei Ping know that more than half of the ships in this fleet came from Guangzhou. Wei Ping also understood the purpose of Ren Liang asking him to come over to "meet him" in an official capacity.

Give these outsiders a warning first to prevent them from causing trouble in Victory Port.

So Wei Ping and a group of his men hurried to another dock and gave a brief lecture to several Guangzhou merchants who had just disembarked. The content was nothing more than warning them to be more honest and obey the port management committee's orders while in Victory Port.

Arrangement: If you cause any trouble due to violation of laws and disciplines during your stay in Victory Port, then don't even think about returning to Guangzhou.

Wei Ping's lectures not only did not arouse resentment among the merchants, but actually made them feel more relieved. Several of these merchants had never been to Hainan Island, and they could not tell the difference after drifting on the sea for several days.

Direction, although I know that Victory Port is near Yazhou, I don't have a clear idea of ​​where it is. Now that I see people from the Inspection Department stationed here, I can at least be sure that this place is under the rule of the Ming Dynasty.

——At least that’s how it seems in their eyes.

Once here, the inspection department's tasks have been basically completed, and the remaining tasks will be taken over by the Port Management Committee. Ren Liang took a group of interested newcomers to visit the Shengli Port Business District, which is under development.

, and briefly explained to them the significance of establishing this business district and some of the foreign policies of the business district.

Almost all merchants' eyes lit up when they heard about Victory Port's tax-free policy. This policy is extremely attractive to merchants who are engaged in bulk maritime cargo transportation all year round. If each transaction can save hundreds of taels of tax,

If there is a tax, then the expenditure saved throughout the year will be very considerable. In comparison, the freight required to transport the goods from Guangzhou to Victory Port is actually a small amount.

Ren Liang introduced: "You have just seen that we are expanding the port here. Once completed, it will be able to dock more than thirty large sea-going ships at the same time, and will be equipped with a dedicated cargo loading and unloading team to achieve efficient and effective cargo handling.

Preface. In addition, please remember, bosses, that as long as the goods purchased by us are unloaded at Victory Port, there will be no additional charges. Of course, there will be no shipping charges for the goods you purchase from us."

A merchant asked: "But the goods we transport here may need to be traded with other merchants. I wonder if you will provide a dedicated trading place for foreign merchants?"

Ren Liang nodded and said: "We will build a dedicated trading center at the port later to announce the prices and demand for various goods in real time, so that bosses can learn about local commodity prices. And we will also provide third-party information for both parties to the transaction.

Risk guarantee, the buyer can deposit the money in the trading center, issue a bill after satisfactory inspection, and the seller will take the bill to the trading center to collect the money. As long as you trade in this way, you no longer have to worry about being cheated.”

"Does this kind of transaction guarantee require a fee?" Another merchant asked.

Ren Liang smiled and said: "Since we provide the service and bear certain risks, it is normal to charge a small service fee. But please don't worry, the fees we charge are extremely low. We only charge successful transactions

Both parties will each charge one thousandth of the transaction amount as a service fee.”

When everyone thought about it, charging only one tael of silver for these thousand taels was almost the same as confiscation, not to mention that they had to provide various services. Compared with the commercial tax of 30 taels per tael under the Ming Dynasty, such a fee was simply a small amount.

It's so low that it can be ignored.

A chubby merchant wiped the sweat from his forehead and asked in a Chaoshan accent: "If the amount of money is huge, it will be inconvenient to transport it from Guangzhou. Do you have a solution?"

"We have considered this issue for a long time. The bosses can deposit cash into the bank in Shengli Port and directly use the bank notes issued by the bank to transfer transactions. Next year we will also open the deposit and exchange business between Shengli Port and Guangzhou. As long as

The banknotes issued by our Haihan Bank can be freely exchanged for cash in both places." Ren Liang worked very hard to promote these merchants: "In other words, you don't need to carry a large amount of money when you come to Shengli Port to do business in the future.

If your cash travels across the ocean, you only need to deposit the money into our bank in Guangzhou, take the banknote to Shengli Port for trading, and then return to Guangzhou to withdraw the cash. It is safe, easy and convenient, and you don’t have to worry about it.

When I returned home, I brought some cash with me and was charged an increase by the shipping department."

Increased rates are a tax set up by the Municipal Shipping Department for those maritime merchants who trade in Luzon. These maritime merchants often have little cargo on their return journey, but a large amount of Mexican silver dollars. The Municipal Shipping Division has added such a tax to fill the gap.

Loopholes in the tax system. The method proposed by Ren Liang not only eliminates the risk of maritime merchants transporting large amounts of money between the two places, but also allows maritime merchants to "reasonably avoid taxes" when they return to Guangzhou and escape the increase in taxes.

Collection of rates.

Although the current stock of precious metals crossing the group is not very large, the financial sector can't wait to incorporate the banking system into the commercial and trade system. Schneider also made several reports back from Guangzhou, explaining the establishment of a deposit-and-exchange system between the two places.

It is beneficial to expand the trade volume of Victory Port. Naturally, the Executive Committee also knows that banks and banks are good deals with huge profits, and they can indeed greatly promote the enthusiasm of merchants to trade in Victory Port. However, in view of the fact that there are currently no shipping flights between the two places,

Once it was fixed, the establishment of a bank between the two places would inevitably involve the transportation of a large amount of money, so this economic expansion plan had to be postponed for a period of time and would not be implemented until the maritime transport capacity eased.

However, compared with operation, it is more difficult to gain the trust of maritime merchants in banks. Changing real money into a few pieces of paper seems to be seriously insecure for merchants in this era, because the lessons of Ming Dynasty Baochao are still unclear.

Still vivid in my mind.

As the only official currency during the reign of the Ming Dynasty, Ming Dynasty banknotes were issued from the eighth year of Hongwu to the Zhengde period when serious devaluation caused public dissatisfaction and had to be abolished. They circulated for a total of more than 270 years. Since then, the people of the Ming Dynasty have attached great importance to paper.

There is a natural repulsion towards banknotes, because no one knows how long they will be valid. This is true for officially issued currencies, and it is even more difficult to get these merchants to recognize Haihan banknotes.

.

These people are no better than the local naturalized citizens who use tradable coupons. The original reason why naturalized citizens accepted tradable coupons was mainly because they had no other choice, because in Victory Port, copper coins and silver coins could no longer be used for ordinary transactions and they wanted to buy anything.

All must use circulation coupons. In the long-term use, the people have gradually accepted this currency in the form of circulation coupons. Moreover, the prices in Victory Port have always been kept at a relatively low level due to the deliberate control of the Executive Committee.

level, which also ensures the purchasing power of circulating coupons to a certain extent, thus giving the public enough confidence to hold and use them.

At the end of the Ming Dynasty, some banks, bank accounts, and bank accounts with the nature of banks began to appear among the people. However, the accumulation of this kind of credit often takes several generations, and the executive committee does not have the patience to slow it down.

Slow grinding, it is even more impossible to introduce private banks from mainland China to Victory Port to snatch their own meat. However, the amount of money used by merchants in transactions is relatively large, often hundreds or thousands of taels, and no one will easily take advantage of themselves.

He wanted to risk his wealth to try out the credit of a new bank. Therefore, Ren Liang's promotion of the bank did not arouse the interest of merchants. On the contrary, some people secretly began to wonder whether this Haihan man was really worthy of trust because he was so whimsical.

Ren Liang was not too surprised by the cold reaction of the businessmen. This was actually expected by the executive committee. Promoting more advanced financial concepts and operating methods in this era is not something that can be accomplished overnight. Any

In everything, someone has to stand up and take the cake first before they can attract more followers because of their role model. The same is true with the emergence of banknotes and banks.

Fortunately, the promotion and establishment of the financial system has been carried out since the beginning of the landing. Although no formal bank has been opened yet, in fact Haihan's financial system has been operating externally for a long time, and it also has several partners. Currently, it has

Several parties with which Chuan Chuan Group has trading relationships have basically accepted the Chuan Chuan Group's settlement method of circulating coupons. In particular, the "Furuifeng" firm, which has a large transaction volume with Chuan Chuan Group, has already agreed on an agreement in Shengli.

Both Hong Kong and Guangzhou can use bills to replace cash for financial settlement. If you want to take advantage of this, "Fruifeng" can be regarded as the first in mainland China.

It just so happened that Li Nai, the third young master of "Fu Ruifeng", was also a guest at Victory Port. Ren Liang would definitely not miss this opportunity for the person involved to show up and speak out. Soon Jiang San led Li Nai to the scene, planning to let these new

The merchants who came to learn about how Haihan's financial system works.

Prior to this, the executive committee also specifically talked to Li Nai about this matter, hoping that he could help persuade Guangzhou merchants to accept Haihan Bank. Li Nai did not have much resistance to this, and he quickly agreed. Then he agreed.

As the cooperation between the two parties has gradually deepened in recent months, "Furuifeng" has gradually felt the convenience of this off-site settlement system. For example, this time Li Nai came to Victory Port without bringing much cash with him.

, the goods purchased in Victory Port can be settled directly with the Guangdong Office in Guangzhou by the "Fu Ruifeng" head office, and there is no need to take the risk of transporting tens of thousands of taels of silver across the sea.

As Li Nai himself lived in Victory Port for longer and longer, he became more and more aware of the "superiority of the system" that Haihan people often talk about. This superiority is not only reflected in

The management form of the executive committee plays a role all the time in various aspects such as scientific research, production, commerce, and life. Now the Haihan people are trying to officially launch the bank as a financial institution in the mainland. Li Nai said this

He also had great curiosity. He really wanted to see what extraordinary financial moves the Haihan people, who had already created many miracles, would do.

Li Nai's appearance only caused a small commotion. After all, the bigger merchants in Guangzhou know that "Fu Ruifeng" has a close relationship with the Haihan people. Haihan products in Guangzhou have always been sold only by "Fu Ruifeng"

"The family is for sale, and it is reasonable for Li Nai, as the third young master of the Li family, to appear in Victory Port.

After Li Nai's personal statement, most people have less doubts about the bank mentioned by Ren Liang. After all, the scale of the transaction of "Fu Ruifeng" is there. If the Haihan people want to cheat money, I'm afraid "Fu Ruifeng" is the one.

The first unlucky one, and Li Jifeng is famously shrewd in the business circle of Guangzhou. He obviously will not take such a big risk for no reason, let alone let his son come out to endorse the Haihan people.

——Of course, this last point was actually Li Nai's own decision, without his father's consent.

Next, Li Nai also generously took these merchants to visit the local business store construction site of "Furuifeng". At present, in addition to "Furuifeng", the local merchant "Anfuxing" in Yazhou has also circled the business district.

In addition, Luo Shengdong also acquired a small piece of land near the dock in the name of Yazhou Water Village and reported to his superiors that it would be used as a "Yazhou Navy Stronghold".

In fact, the plan is to get He Shenjiang to buy shares and open a restaurant here to do business.

After Wei Ping heard about it a few days ago, he also eagerly asked Ren Liang to apply for a land, and claimed that the people from the Inspection Department had already discussed it and were preparing to allocate all the "inspection department office funds" for next year to the business district.

Open a restaurant here. However, this request was temporarily suppressed by Ren Liang. If Wei Ping handles the matter in Yazhou, the land will be easy to talk about. If this matter is not handled well and something goes wrong, don't talk about it.

Land, even whether there will be a Yulin Inspection Department next year is a question mark.

When all the merchants saw the scale of the building of the "Fu Ruifeng" store, they knew that the Li family had invested a lot of money here and planned to stay here for a long time to do business with the Haihan people. Immediately, some impatient people began to

He asked Ren Liang about the local land policy and planned to follow "Fu Ruifeng" to set up a business in Shengli Port. Someone also quietly pulled Li Nai aside and asked him whether the strength of the Haihan people was as strong as they seemed.

After listening to this, Li Nai sighed: "If we take Qiongzhou Island as a whole, no one can compare with it. Everyone, this place will become a big port in the South China Sea in a few years. The money required to start now is not too high."

If you wait until this place becomes a big port before you think of this enclosure, it will be too late!"

Some people who don't know the truth are a bit dissatisfied with Li Nai's evaluation: "This place is under the rule of Yazhou, and I have always had contacts with senior officials in Yazhou. I guess it is not as difficult as Brother Li said to find a piece of land through various channels."

Li Nai laughed and said: "That's wrong. Now Yazhou is weak and Haihan is strong. Although this place is indeed under the rule of Yazhou, the big boss of Yazhou may not be able to control the affairs of Shengli Port."

"What does this mean?" the man asked in confusion.

Li Nai looked around and saw that no one was paying attention to him, so he lowered his voice and said: "Officials in Yazhou, from Tongzhi to the following, have been bribed by the Haihan people. Even if the master of Zhizhou is interested, the people below

How can you go against the Haihan people?"

"Aren't the Haihan people afraid that the adults over there in Yazhou will find an excuse to send warships to blockade this place?" The man still looked unbelieving.

Speaking of this aspect, Li Nai said with great disdain: "The militiamen of the Haihan militia here are more than the official army of Yazhou Water Village, and their armament and combat power are much higher than that of the official army... If you stay here longer,

In the last few days, there may be a chance to see the commander of Yazhou Water Village reporting here with his warships. The current commander of Yazhou Water Village, Commander Luo, comes to Victory Port much more diligently than me.

It will arrive on the first and fifteenth day of every month, which is more punctual than offering incense to the Bodhisattva."

"This is happening!" The man was also shocked. Collusion between officials and businessmen is not news, but collusion between military and businessmen is rare. And listening to Li Nai's tone, it is obvious that the cooperative relationship between the two parties is very deep.

Li Nai said meaningfully: "This place, Victory Port, is like your home and mine. It is said that it was all under the rule of the Ming Dynasty, but in this home, it is naturally the master who has the final say. The Haihan people are the masters here.

"
Chapter completed!