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Chapter 189 A big gamble

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    Yu Fengzhi¡¯s character is in the same vein as Mrs. Yu. He attaches great importance to emotions, but once he makes a decision, he will immediately dive in to discuss the pros and cons from a rational perspective.  After a heart-to-heart talk, the focus of the discussion between mother and daughter was no longer whether to do it, but how to do it.

    Such a big matter cannot but be discussed with important people in the Yu family.  Mrs. Yu called her son, Yu Fengzhi's brother Yu Aozhou, and her brother Gao Tianlei, the "marriage trustee" who had advised Zhang Zuoxiang and Zhang Hanqing, and told them all about the decision.  In the Yu family's business system, Yu Aozhou is the eldest son and traditional heir of the Yu family, and his uncle Gao Tianlei is the most influential figure in the periphery.

    And what Yu Fengzhi expected was true. They were all shocked when they heard it. If Yu Fengzhi had not quickly emphasized that it was her opinion, they would have questioned that sister Yu (mother) had lost her head because of her age.

    But when Mrs. Yu raised the business to a political level, they all pondered.  Yu Aozhou and Yu Fengzhi have always had a close relationship as brothers and sisters, but they still expressed reservations about gambling with all their belongings; uncle Gao Tianlei said clearly: "We are not familiar with banking, and we are not as old as my niece."  I will not take a stand on this. If it is an investment like instant noodles, if the difference is 10,000, I will make up 10,000, and if the difference is 100,000, I will lend it out!"

    Mrs. Yu didn¡¯t make a strong decision, she just said to let them go back and think about it first, and call everyone to negotiate tomorrow.  Although he knew that his mother was very likely to be "arbitrary", the attitude of the two heavyweight members still made Yu Fengzhi deeply worried.  When she informed Zhang Hanqing of the attitudes of the two most capable heads of the Yu family at night, Zhang Hanqing decided to take action himself.

    The next morning, when the gods of wealth who control the economic lifeline of the Yu family gathered in the meeting hall, Yu Fengzhi tactfully started by establishing instant noodles marketing channels.  Her plan is that this new enterprise will first take Fengtian as its foothold and monopolize the province's grain purchase, processing, and sales; this new enterprise should have its own sales points and publicity outlets in major cities across the country to facilitate the popularity of instant noodles.  Explosive sales; this new enterprise should be in the hands of everyone. Instant noodles are definitely a freshness and preservation industry.

    This plan was unanimously approved.  Although instant noodles are a new thing, they do not fall outside the scope of the traditional food industry. Yu Fengzhi's method is just to make it more monopolistic and bigger.  For familiar fields, even if the investment is larger, everyone still has a delicate heart and is confident that he can master it.

    However, Yu Fengzhi later gradually mentioned that all businesses in Fengtian are waiting for development and there are many business opportunities, but the Yu family does not have enough funds to complete so many investments. Perhaps taking this opportunity to set up a bank and enter the financial industry is the solution for the family.  The ladder that is imprisoned by traditional business thinking.  Therefore, she said very cautiously: "I want to discuss with all my uncles and uncles to see if we can spend 500,000 yuan in advance to prepare to establish a bank."

    As expected, this news shocked everyone. Almost everyone exclaimed: "This is not business, it is gambling! And it is a huge gamble that affects the wealth of two generations of the Yu family!"

    What is the concept of half a million yuan in this era?  Calculated based on the fact that one ocean can feed one person for one month, that means it can feed the total population of a relatively large county for one month!  Converted to the twenty-first century before time travel, it would have been an investment worth one billion, which is an astronomical figure these days.  And most importantly, this is just the first step!

    There is still a chance that the Yu family really wants to raise funds, but most of its money is taken up by investments, and the entire family cannot raise so much cash!  To come up with this money, you must give up most of your business and liquidate your assets.  He abandoned his profitable business and poured money into the banking industry, which made everyone talk about it like a pot exploding.

    Some people say that this is too childish, and it is not worth it to invest all their belongings in an unfamiliar industry; those with speculative ideas sigh that they are powerless, and they cannot afford to make such a big investment at home even if they become trousers.  , unwilling to win over others, and the risk of debt investment is too high; the prudent idea is to start on a small scale first, and then gradually increase investment when conditions are mature.

    ??Through the efforts of his father¡¯s generation, the Yu family¡¯s business group has now formed a huge economic empire headed by the Yu family, with several major shareholders and dozens of external forces as supplements.  Usually, although the Yu family makes the final decision on a major decision, it is basically discussed in advance and everyone's collective approval is sought. This has been the case for many years.

    Yu Fengzhi doesn¡¯t want to change this tradition, she has to work hard to convince them.  After the couple decided to set up a rural bank, Zhang Hanqing had given her a lot of inspiration, and they needed to minimize investors' worries in the early stage.  For example, early financing does not require Yujia to sell off his property to realize cash, as long as Yujia uses its reputation toIt is enough to solicit funds from society. Zhang Hanqing will also use the name of the Governor's Office as a guarantee and use the Zhang family's status to win the support of social elites, etc.

    As the instigator and instigator of the affair, Zhang Hanqing cannot stand by and watch.  He knew that these people's scruples were because the new banking industry was too high-end for ordinary businessmen, and the same was true for being as rich as a family member.  If you don't explain the prospects thoroughly and explain the truth, it will be hard for my dear mother-in-law to make a strong decision. Last night, Yu Fengzhi had already told him everything about her mother's unconditional support.

    He needs to come forward. Now he is not only the son-in-law of the Yu family, but also a spokesperson representing the government and emerging forces: "I know what everyone is worried about. They are nothing more than two things: building a bank is risky.  Not big? Is the profit high? In terms of business, let me tell you in detail.

    What is a bank?  You can think of it as a bank, so it¡¯s easier to understand, right?  A bank accepts deposits and lends money. Basically, as long as it has a good reputation and doesn't make any major investment mistakes, it must be very rich.  I won¡¯t give too many examples of this. Let¡¯s not go into the distance. There is a ¡°Forever Bank¡± in our village. I heard that it has become prosperous in just ten years.

    Of course we can¡¯t just be optimistic about the good things. How to avoid risks?  There are two risks in this bank, namely reputation and investment.  In terms of credibility, the bank we plan to establish is guaranteed by the Fengtian Provincial Government, and my father will also be a shareholder, which is equivalent to added political insurance.  If everyone can join in, and with the goodwill of the Yu family, I think the reputation will spread far and wide.

    As for the risk of investment, this is not a problem at all, because our main direction is government projects, uh, areas guaranteed by provincial government finance, such as mining, building factories, and building water conservancy facilities.  In order to increase our cash flow, uh, living money, my father agreed to ask various localities to deposit all local taxes in our bank.  "

    At any time, government projects are synonymous with fast money and high safety factor, provided of course that there is someone inside.  Now that Zhang Zuolin, the warlord and provincial governor, has invested in the company, it is a reassurance in itself.

    "With the investment direction, the bank is bound to make money. A rough estimate is that for every 10,000 yuan it absorbs, the annual net profit can reach 500 yuan. What if it absorbs 100,000 yuan? What about 1 million? Think about it boldly, what about 10 million? Can you make money?  How much ultimately depends on the ability to attract savings, that is, whether people are willing to save money. As we all know, the vast majority of farmers in Fengtian may be poor, but even if each person only contributes a little, there is such a huge base.  The total is an astronomical figure. The most conservative estimate is that it can be achieved with a deposit of 10 million."

    The saving ability of the Chinese people has always been amazing. It is this concept of frugality and spending money wisely that has created the glory of the Chinese nation leading the world for thousands of years.  The country is in chaos now. Neither the government nor the industrial and commercial circles care about the countryside. This also leaves people with nothing to save their savings, and many of them are stored at home.  From the perspective of economic development, it can only be regarded as a type of simple reproduction. It is no wonder that the peasant economy has developed into a small peasant economy.  If there are channels to collect this considerable amount of capital, it will definitely be a powerful contribution to the development of Fengtian's economy.

    As for absorbing savings, Zhang Hanqing is not worried at all.  The vast rural areas actually have a lot of potential, and there are countless funds and vitality hidden in them.  In semi-feudal and semi-colonial China, the countryside was probably the only area that the great powers were unwilling to enter.  Because of China's backwardness and vastness, countless farmers are scattered in dotted villages, and from generation to generation they have performed the fate of relying on the sky for food or the fields to support their families.

    How to bring together the backbone of China and the future of China, to think in one place and to work hard in one place is a sign that China stands among the nations of the world.  This was how the Communists in previous lives achieved invincible miracles by surrounding cities with rural areas. They also relied on this to overthrow the "three mountains" and create China's glory.

    This is also the original intention of establishing a rural-oriented bank, officially named Farmers Capital Credit Cooperative.

    Of course, Zhang Hanqing also gave them reassurance: "According to the bank's charter, everyone obtains shares according to the investment ratio, but the subject is the Fengtian Provincial Government. What does that mean? All shareholders will receive profits according to their shares.  , In case, of course this is impossible, in case the bank does not do well, you will only liquidate according to the shares, and other responsibilities will be borne by the provincial government, that is, all shareholders bear limited liability¡ª¡ª  -This is the biggest difference between banks and money banks.¡±

    Speaking of this, Zhang Hanqing believed that it was time to make a decision for his family.  Because based on this calculation, the risk of investment banks has been reduced to a minimum. All investors may lose is a business misstep and the capital invested. It will not hurt their bones, but they will have the opportunity to get rich returns.  Moreover, it will strengthen the relationship with the Governor's Mansion - relying solely on in-laws will not add the potential for sustainable development to the family business.  Only by integrating and sharing interests, can the ties become tighter and tighter, so that the relationship between the Yu family and the Zhang family can be consolidated.  This is a big investment beyond business¡ªemotional investment.

    Some people have already started gearing up, but no one jumped out first. After all, the matter is huge and it is easier said than done. But not many people can actually do it in the end.  (Remember the website address: www.hlnovel.com)??, it is possible to tie them tighter and tighter, so that the relationship between the Yu family and the Zhang family can be consolidated.  This is a big investment beyond business¡ªemotional investment.

    Some people have already started gearing up, but no one jumped out first. After all, the matter is huge and it is easier said than done. But not many people can actually do it in the end.  (Remember the website address: www.hlnovel.com
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