Breaking through Guandong, I became Zhu Chuanwen

Chapter 398 Han Yao Bank
Shanghai, British Concession
A villa-style garden named Wang Mansion was quietly newly built...

This year, many officials and gentry went bankrupt in Shanghai, so the land is worthless.

"Shopkeeper Wang, it's really nice that you built this residence!" After Gu Ansheng and Wang Keren strolled through the rubber stock and made a profit, Wang Keren got Zhu Chuanwen's approval to build a building combining Chinese and Western styles, and named it Wang Mansion. In the garden of the villa.

It was very hot in Shanghai in October, and both of them were wearing cotton undershirts and silk pants, which didn't match well.With bare arms, it is very cool, and it is harmless in this private garden.

This kind of sleeveless undershirt is like the traditional farmer's undershirt of the Qing court. It was not worn by these people at first, but because Zhu Chuanwen always wore it in the office, it gradually became popular among Hanyao's senior management.

The Wang Mansion is a bit like Li Hongzhang's lilac garden, but it is a fusion of French-style western-style buildings and Chinese-style courtyards. There are pavilions, small bridges and flowing water in the garden. At this time, it is a lush scene.

"No, Kosya came here in April, and he designed it himself!" Wang Keren looked at the pavilions and pavilions in the garden with some complacency. They looked more like those in paintings and calligraphy. of.

However, as Zhu Chuanwen said, although Wang Keren is in the dark, his heart must be turned towards the light!

And Kostya, a Frenchman, was the designer of Hanyao's porcelain house at the beginning. Relying on Hanyao these years, he has gone wider and wider on the road of combining Chinese and Western styles. He has the air of a master architect. With a young design team, I am constantly working for Hanyao, and at the same time, I am also cultivating talents in this field for Hanyao.

"Treasurer Wang, you don't know that, Kosya is on her way to Shanghai, follow me to Hong Kong, I'm in Hong Kong, and there will be such a garden villa." Gu Ansheng looked at Wang Keren in awe I can't help but hit this guy, I have what you have! .

Regarding the issue of rubber stocks, Gu Ansheng and Wang Keren can be regarded as actual traders, and Zhu Chuanwen didn't mention the share.Hanyao has no such precedent. It is obviously more appropriate for the collective to use the current money to do big things. In the second half of this year, Hanyao's income, in addition to the development of Yashan, also has a big thing that Gu Ansheng will do.

Hanyao's funds are still tight, but Zhu Chuanwen is willing to reward each of them with a garden villa, and even has a series of rewards for rubber stock related personnel.

Hanyao has a lot of secrets, and a private environment can prevent many things from happening, and it doesn't cost much.

"Yeah, Director Gu is leaving soon? I heard that you were criticized by the head teacher when you came to Shanghai this time?" Wang Keren asked in surprise, with a mysterious smile on his lips.

"I forgot that this is the biggest transfer station for our information!" Gu Ansheng patted his head pretendingly, he knew what Wang Keren meant by laughing, but he had to show off if he had to.Immediately he answered Wang Keren's question, "It's not considered to be criticized. Originally, I wanted to buy rubber stocks, but I was rejected by the Prime Minister!"

"It's fine if you reject it, I actually thought your plan was dangerous before."

"Yes! Actually, I just want to know what the owner thinks. This mode of operation of stocks is very desirable in my opinion, but we are not as sound as the British legal system, and we can supervise the stock market from a legal level. This is very good. Contradictions." Gu Ansheng went to Hong Kong this time, in fact, also thinking about opening a stock exchange in Hong Kong.

This kind of control at the market level is obviously not enough for Hanyao!
After some purposeful testing, Gu Ansheng understood that Zhu Chuanwen did not support it, and that buying rubber stocks at the bottom was actually only a test of his current attitude towards the general secretary.Then give up for now!

Gu Ansheng and Wang Keren got very close to Hanyao's deployment of rubber stocks this time, and the relationship between the two is also very harmonious, just like Lao Gu's confession to Zhu Chuanwen's future layout after testing Zhu Chuanwen, Zhu Chuanwen has become more and more intimate. The momentum of saying one thing, sometimes, this kind of temptation is what all the directors often do.

And Wang Keren, as Zhu Chuanwen's most assured intelligence investment, is also reminding at this time: "Lao Gu, I falsely increased your age, and you are close to foreigners. This is also allowed by the head teacher and is in line with Hanyao's actual development. .

But there is one thing, I think you have to listen to me, according to the analysis of our hunter intelligence personnel, this time the foreigners behind the rubber stock market are all fueling the flames, and their goal is our right to build railways independently!
They have even analyzed that after the Sichuan-Han Railway and the Guangdong-Han Railway Company participated in the rubber stock, the money they originally lent to the Shanghai government to rescue the market was mortgaged by the right to build the railway! "Wang Keren has a serious face.

The Beijing-Zhangjiakou Railway was completed in 1909, and then there was a major earthquake in the Shanghai financial market. The Qing government completely interrupted the independent construction of the railway. This is a very coincidental event.

Some of the funds of Sichuan-Han Railway Company and Guangdong-Han Railway Company were affected in the rubber stock market this time. Zhu Chuanwen specially asked Wang Keren's hunter department to attack with all his strength during this period of time. After analyzing various collected information, the initial A version of the report has been formed and will be delivered to Zhu Chuanwen.

And Wang Keren, according to Zhu Chuanwen's instruction, told Gu Ansheng not to take foreigners lightly at any time.

"In fact, I've been vaguely aware of this matter. Originally, I had an invitation from Yan's family today, and I declined it through your treasurer Wang!" Gu Ansheng also became serious.

Zhu Chuanwen is relieved of Lao Gu. It can be said that he was the hero before Han Yao took off.Moreover, in Japan, the two of them have spent a lot of time, and they still have the dream of jointly revitalizing "Han Yao".

It can be said that the two expatriates are Zhu Chuanwen's most loyal supporters.Of course, it’s not that they don’t feel worried about the people in Kanto, but that they each have their own jobs. Comparatively speaking, Kanto is Hanyao’s stronghold, the core!Didn't see it, Zhu Chuanwen didn't dare to move his nest!
Wang Keren also laughed when he heard Lao Gu say that it was because of the treasurer Wang. His current status in Shanghai is that of Jinmen's Guandong local tyrant and newspaper industry upstart. The Shanghai Wang's mansion is a favorable support for his wealth.

The Yan family that Gu Ansheng was talking about was the last powerful red-capped merchant family in the Qing court, the owner of Yuanfengrun Bank.

The financial industry in Shanghai, the Yan family's Yuanfengrun Bank, and Li Hongzhang's nephew Li Jingchu as the behind-the-scenes Yishanyuan, all exist against Wall Street's Morgan Bank, which can be said to be the two thighs of Shanghai's finance.The two banks control the official bank in Shanghai and report it to the imperial court, which can be said to be the overlord of one party.

But this time...

"Lao Gu, the Yuanfengrun Bank of the Yan family survived the catastrophe this time, but in the future, I think it is still doomed!"

"It should be doomed! First of all, according to the analysis of the firm, they have used public funds for private use in recent years, and there is indeed a huge hole!"

"More than that!" Wang Keren said and waved, and the subordinates behind him brought a document and handed it to Gu Ansheng. "have a look!"

Gu Ansheng looked at Wang Keren's collection of E capital cipher texts, and two words instantly came to mind-infighting!
Sheng Xuanhuai and Li Jingchu are both Xu Shichang's servants of the postal department.

After reading the document, Gu Ansheng hesitated and said: "Sheng Xuanhuai is in charge of China Merchants Steamship, and Li Hongzhang's nephew Li Jingchu is the prime minister (general manager) of the Qing Bank of Communications. The two should have a cooperative relationship. But now, for A position as secretary of the postal department?"

"Isn't this a high position?" Wang Keren had seen a lot of intrigues in the capital in Jinmen, "In my opinion, Xu Shichang, a good old man, can't control his left and right hands anymore!"

As his subordinates strive for higher positions, Xu Shichang, the Minister of Post and Communications, can only be the referee.

"It seems that this plan is to start with the two major banks!" Gu Ansheng connected the situation of the Qing court, and also analyzed it from a commercial point of view.

In fact, since the rubber stock market exploded in June and the three major banks in Shanghai went bankrupt, the two major banks, Yuanfengrun and Yishanyuan, which belonged to a higher level, were also hit hard by this wave of closures.

In terms of internal strife, the Qing court is a veteran, coupled with the deliberate guidance of foreigners...

"Yes, let's start with the two major banks! I heard that the two major banks have already handed over the part of Gengzi's indemnity to the official bank in Shanghai?" Wang Keren asked Gu Ansheng.

In September 1910, the Qing court still had to pay compensation to the naturalized Gengzi of the great powers.

The total amount of this money is 4.5 million taels of silver. The period of compensation is 39 years, and interest is still calculated every year. After 39 years, the Qing government needs to pay a total of 9.8 million taels of silver. Need to bear 1910 million taels.

Speaking of this money, there is another annoying thing. The Qing government paid it back for more than ten years until its demise, and the government of the Republic of China took over even in 1939.Among them, the United States was the first to give up and paid back part of the compensation; European countries even gave up one after another in order to win over the Republic of China during World War I, and also paid back part of the compensation.

And the last one, it is precisely the Japanese dwarf. The dwarf government has never given up asking for this money. It was not until 1939 that the government of the Republic of China officially announced that it would stop paying indemnities to Japan.At that time, all the three eastern provinces were gone, and a tragic massacre even took place in Jinling, and the Japanese even hit Nanchang!

Speaking of repaying the money, in 1910, the Boxer reparations amounted to 190 million taels in Shanghai.

However, in August, the officials in Shanghai used the official bank in Shanghai to rescue the market. The chief official in Shanghai should have asked for an order to allocate 8 million taels from the Bank of Great Qing, and put it first.Banks led by the Bank of Great Qing, Qing Ting Bank of Communications, Yuan Fengrun and Yi Shan Yuan were the three major supports for the financial system of the Qing court in the late Qing Dynasty.

Just like Sheng Xuanhuai, Li Jing and Chu Zheng, the Minister of Post and Communications, the middle-level officials of the Qing court started fighting again. Officials in Shanghai began to impeach the chief official in Shanghai, saying that he used the panic in the market as an excuse to "intimidate the court."

On the other side of the capital, there were foreigners beating and drumming for money. The Qing court immediately dismissed Cai Naihuang, the chief official in Shanghai, and ordered him to settle the money he had handled within two months.

Where do I get the money from? Yuanfengrun Bank and Yishanyuan Bank in Shanghai that collect official money.

Now that the two-month deadline has expired, Yishanyuan Bank has Li Jingchu mediating from the Qing court Bank of Communications, and part of it has been borrowed.And the Yuanfengrun Bank of the Yan family can be regarded as relying on the old foundation of the Yan family to sell everything.

However, when the Yan family invited Gu Ansheng at this time, they inevitably had the idea of ​​borrowing some money from Hanyao, because the Yuanfengrun Bank had no money to turn around.This is the same as the bank being unable to withdraw money, which is bad news for the banking industry!
But will Gu Ansheng borrow it?Won't!Hanyao's money is under the control of Bingcheng, and even if he has it, he will not fill this hole.

"Treasurer Wang, the matter of Gengzi's compensation is over, but according to your information, the Qing government intends to choose one of Sheng Xuanhuai and Li Jingchu as Minister of Post and Communications. I think this matter is not over yet." Gu An Sheng said.

"Why didn't it end?"

"The Yan family was also Li Hongzhang's subordinates at the beginning, but in terms of business, the Yan family is much bigger than the Li family! If you want to move Li Jingchu, this Yan family must be cleared!"

"Old Gu, do you think that Sheng Xuanhuai didn't care about his personal relationship with the previous generation of the Yan family? He was the one who introduced the Yan family's Yan Yibin's father to Li Hongzhang!"

"In the current official career, I don't care about newcomers and old people!" Gu Ansheng hesitated, and then said, "You see in the document that Xu Shichang sits firmly on the Diaoyutai and is impartial. This matter is debatable. Li Jingchu is Li Hongzhang's nephew, Sheng Xuanhuai. It was promoted by Li Hongzhang, and I think there must be another person among them!"

The two people looked at each other at this moment, and their mouth moved, and it was unavoidable that they all had the same word "Yuan".

"Yuan Shikai!" Wang Keren said first, "Although he succeeded Li Hongzhang as the Minister of Beiyang, and he accepted the banner of the Huai army, but Li Hongzhang's family did not recognize him. In fact, these Li Hongzhang were indispensable to be dismissed this time. A series of people turned against each other.

Li Jingchu has been very close to Zaifeng in recent years, and even brought Yan's family closer. Xu Shichang's intention is probably because he wanted to punish these people, but he did it in a relatively concealed way.

After the Qilu farmer riots happened, many red-caps in the Qing court continued to submit papers, and the call for Yuan Shikai to be used was very loud! "Wang Keren told all the news at hand.

"But Sheng Xuanhuai is still not from Yuan Shikai's family!" Gu Ansheng walked very close to the red-capped members of China Merchants Steamship, so he could naturally guess Sheng Xuanhuai's thoughts from the lines.

"Who knows! The Li family still has someone serving as the governor of Guangxi, and it is said that they will soon be promoted to governor. Maybe Sheng Xuanhuai has a shallow foundation!" Wang Keren said, and then pondered for a while, "But Lao Gu, have you noticed that since Yuan Shikai was dismissed, There are more and more chaos, many, and it is really inseparable from this person!"

Naturally, Wang Keren knew how many messages Yuan Shikai, who was deposed in Henan, sent to the supporters of Beiyang in the past two years. What the message was was unknown, but every time a message was delivered, it was not because the Beiyang army stayed behind closed doors. , that is, there are riots everywhere.

Yuan Shikai may have someone who is superior, or perhaps, this Mr. Yuan himself is far-sighted.

The two were discussing the situation when a capable man beside Wang Keren ran over and whispered something into Wang Keren's ear, but was immediately reprimanded by Wang Keren: "They are all from my own family, who are you avoiding!"

"The shopkeeper! I just got the news that all the foreign banks in Shanghai suddenly announced that they would refuse to accept banknotes from 21 Shanghai banks." The capable man saluted immediately, and the shopkeeper was what Wang Keren's subordinates in Shanghai called him.

"What!" Gu Ansheng was startled immediately, and then sat down dejectedly.

Now, there is really no hope...

"Old Gu, tell me!" Wang Keren pushed Gu Ansheng beside him to explain, he is not very business-minded, so naturally he doesn't understand what it means for foreigners to refuse banknotes.

"Shopkeeper Wang, let me see, I'd better leave for Hong Kong ahead of time!" After being depressed, Gu Ansheng seemed to have thought of something, and suddenly became energetic, and couldn't help but admire Zhu Chuanwen in his heart, who was far away in the ice city, But the timing is really accurate!
Wang Keren was at a loss when he heard this, how could he just leave?

However, Gu Ansheng went on to explain: "Now, the foreigners are really playing with the Qing court, and the spread of the rubber stock market will continue... The financial market in Shanghai, which has finally stabilized, will start to spread to the whole country this time! "

"So serious?" Wang Keren also understood the difference between Shanghai and the whole country.

Just now Gu Ansheng was slumped, knowing how many people will suffer now!

"Well, the Yan family's Yuanfengrun bank managed to mobilize more than 100 million taels from various places this time to pay the Gengzi indemnity, but in fact there is no money in the account. The Yan family came to me, and it was inevitable that they would go to the Han Dynasty. Yao borrowing. Merchants, without turnover is the scariest thing. Foreign banks do not accept bank notes from banks, which means banks have officially started credit bankruptcy.

According to my estimation, the Yan family has suffered a lot of losses in order to obtain the right to collect official bank in Shanghai and Liangjiang areas these years. This is a collusion between power and money in the dark. I think there is at least a deficit of no less than 2000 million taels of silver. .I can analyze it, let alone foreigners.

The bank's turnover is not working well, the credit is bankrupt, and people who withdraw money flock to it, which will immediately cause a new wave of sequelae of rubber stocks.

The Prime Minister is right. At this time, on behalf of Hanyao, I am leaving for Hong Kong. Our abundant capital flow can not only benefit from the large-scale financial industry bankruptcy of the Qing court, but our own bank can also be affected by this time. Start preparing.

The Prime Minister said that he would choose the opportunity to establish Hanyao Bank, with its headquarters in Hong Kong.Opportunity, now is the opportunity! "After Gu Ansheng finished speaking, he cupped his hands towards Wang Keren and walked quickly towards the gate of the Wang mansion.

As for Wang Keren, watching Gu Ansheng leave at this time, he was also convinced for a while.He knew about the construction of Hanyao Bank, but the word "choice" was too important here. He didn't know what the opportunity was, but with Gu Ansheng's decision to set off immediately, he knew that the matter was stable.

Immediately, Wang Keren trotted and grabbed Gu Ansheng: "Lao Gu, going to Hong Kong may be in danger. I have already sent a telegram to the hunters who arrived in Nanyang and Hong Kong earlier. You have the command right of hunters, but all information will be directed to me." Report it truthfully, and I will report it to the head teacher!"

"That's enough! Shopkeeper Wang! It seems that we are going to start working together again! Take care!" Gu Ansheng knew that this should be Wang Keren looking for him this time. Armed with a small number of hunters, his own safety is guaranteed. He knows that this is the greatest support given to him by the Prime Minister Zhu Chuanwen.

"Treasure!" Wang Keren watched Gu Ansheng leave the Wang mansion.

After Gu Ansheng left Shanghai, Zhu Chuanwen received Wang Keren's follow-up news from Shanghai, and he also understood why the railways in the late Qing Dynasty were choked by foreigners from the beginning to the end.

Originally, after the rubber turmoil and the first crisis of the Qing government’s rescue of the market, Shanghai’s financial circle was considered stable and had room for recovery, but with the infighting at different levels of the Qing court, foreigners beat the drums.

This directly led to the collapse of the financial industry of the Qing court centered on Shanghai. On October 1910, 10, Yuanfengrun Bank announced its liquidation due to its inability to turn around, and owed more than 8 million taels of public and private funds.Its 2000 branches in Beijing, Tianjin, Guangzhou and other places also closed at the same time.

The downfall of Yan Jiayuan Fengrun led to the closure of a large number of banks in Shanghai, and the financial crisis began to spread to the whole country...

As for the borrowing from foreigners, from here onwards, there is a trend of not paying enough. The blood and sweat raised by the Sichuan-Han Railway and the Guangdong-Han Railway from the hands of the common people and officials and gentry will return to the hands of foreigners again. Road protection movement in Sichuan and Guangdong.

Although the Yishanyuan bank of the Li family survived Li Jingchu's borrowing from the Bank of Communications, there is only 7000 taels of cash left on the accounts of the head office of Shanghai Yishanyuan.

Bingcheng, Zhu Chuanwen looked at this series of information, got up and stood by the window, his eyes were deep, he knew that the financial winter of the Qing court was coming...

At the beginning of next year, Sheng Xuanhuai will formally defeat his competitor Li Jingchu and take up the post of Minister of Posts and Communications.

Sheng Xuanhuai's appointment was to move closer to Zaifeng, the regent, and in order to combat the influence of Li Jingchu of the Bank of Communications and Yuan Shikai's Liang Shiyi faction (second-in-command of the Bank of Communications of the Qing Dynasty) placed in the Bank of Communications, he began to check the accounts of the Bank of Communications. The bank will also declare bankruptcy, with a debt of 1400 million taels.

The sudden collapse of the two pillars of Shanghai's financial circles directly crushed the business of the private banks of the Qing government. Afterwards, a greater panic engulfed the Qing court. Industry and commerce began to stagnate. shock.

This economic crisis that spread across the country, inside and outside the Great Wall, had a huge impact far beyond rubber stocks. In fact, it directly emptied the last trace of vitality of the Qing Dynasty from the financial and economic level.

At this time, in Hong Kong, Gu Ansheng began to prepare a small-scale bank exclusively for Hanyao. With Hong Kong as its headquarters, it began to lay out along the coastline from bottom to top, some modern industrial factories with potential, It began to be gradually held by Hanyao in a small scale, and obtained subsequent financial cooperation.

This is like a person who died in the desert and got a stream of clear spring. Although it can't quench his thirst, it is enough to survive.These factories, which closed down due to bank business, gradually resumed work and production after receiving investment from Hanyao Bank.

Hanyao Bank also started from industrial finance and began to accumulate its own banking business flow...

(End of this chapter)