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Text Chapter 1135 The origin of credibility

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    Of course, Liu Ba didn't feel confident before he got started. After he got started, he realized that his bank needed to be linked to Taishan Bank, and the family had already agreed to Chen Xi's request, and 70% of the money had been transferred to the main bank by Chen Xi.

    Without this constraint, Chen Xi would not and would not dare to open a bank to Cao Cao. After all, he has to bear credit risks, and after taking 70% of the cash, the credit risks he takes are already very small.

    ¡°After all, the distance between Yongliang Bank and Taishan Main Bank, and the time required for the round trip, is enough for Chen Xi to tear down the east wall to repair the west wall. Basically, there will be no large-scale runs, and there is no credit crisis now.

    What's more, as the copper from Luzon gradually moved to Donglai, and then to Fenggao, the commercial center of the world established by Chen Xi, and then under Wang Xiu's supervision, money flowed into the hands of the people of the aristocratic families, gradually it could be completely  Eliminate possible credit problems.

    To be honest, if it were not for the private engraving of the Hou Yinyi clan, Chen Xi would not dare to use his own seal as the basis for credit currency. In addition, Chen Xi made these in triplicate and compared them one by one in front of all the people who exchanged the bills.  This kind of formality is the most reassuring thing for the family.

    This is not something that can be explained by simply setting up a clever name and demolishing the east wall to make up for the west. The construction of this system starts from the establishment of merchants, unified management of business, formulation of rules, and supervision of the business system, and then gradually becomes independent.

    It is precisely because Chen Xi sent people to supervise the transactions between wealthy merchants to ensure the internal stability of the chamber of commerce, and let supervisors act as intermediaries to ensure that numerous large transactions in a year not only promoted business prosperity, but also made wealthy merchants understand that big businessmen  The importance of intermediaries in a transaction.

    Because no one wants to carry more than ten tons of copper coins for transactions, but deposits the money with a middleman and then picks up the goods. Later, with the ability of Chen Xi, the middleman, the money can be instantly traded to the payee.

    After all, escorting hundreds of millions of money through official channels on Liu Bei's side cannot guarantee absolute safety, let alone the area where Cao Cao and others are. If they are robbed, they will cry. But if you give the money to Chen Xi, then Chen Xi will directly transfer it to the account and collect it.  The county where the payor is located allocates money directly from the treasury.

    Of course, this is also because the power has just been established and there are no mountains yet. Only this method of the central government collecting money and the county signing the orders can be accepted. However, this transaction method is indeed very fast and very safe, so all businessmen hope that  Join this trading method.

    Chen Xi's original intention at that time was to let the powerful people of the family taste the sweetness and then join this trading method. So after other businessmen made this request, Chen Xi collected a membership fee and agreed to their participation. Naturally, Chen Xi's business  The information is more complete.

    Others cannot see the complete information on the world's business. Even the three managers of the Chamber of Commerce cannot fully see the information related to the people's livelihood and business in the world. However, with the entry of the world's wealthy businessmen, Chen Xi has acquired business information from all over the world.  .

    Chen Xike is different from those businessmen who are looking for a new home. Last year, Chen Xi was already controlling everything behind the scenes. This is why Chen Xi can guarantee that he will not lose money.

    When someone wants something, Chen Xi orders someone to check and buy it at a low price, and then sells it in an instant. As soon as it comes in and out, the money is in hand. Even if the profit is only 5 cents, the profit of 100 million yuan is still in the millions.

    By the way, it is precisely because of Chen Xi¡¯s approach that Feng Gao claims to be able to buy everything in the world and sell what you have as quickly as possible. Because he has information about business transactions in the world, Chen Xi basically wants everything.

    At the beginning, Chen Xi had more than a hundred vests specially used to purchase and sell various things. Of course, Feng Gao officials also sold some information.

    For example, who wants this batch of goods and at what price, or who has what I want, and the asking price is not high. One piece is basically only one to ten gold.

    "However, many of these are vest information posted by Chen Xi, but there is no shortage of people who come to spend money to buy information. Chen Xi's vests are collected and sold in various ways.

    ¡°It¡¯s a pity that the good times ended in the second half of last year, and a group of businessmen who were in a hurry began to do this, and more and more of them started doing this.

    Precisely because of the intervention of so many Fenggao officials, businessmen in Fenggao eventually got used to the existence of the officials, because the officials could guarantee that they would not be cheated, and Chen Xi hated such guys who did not follow the rules and even crushed them.  A few guys died to establish their authority.

    Therefore, businessmen and business-backed families still recognized the credibility of official rulings. Then one day, Chen Xi suddenly felt that running around as a middleman every day was too troublesome, and there were too many people to support. Let's find another way.

    This method is the so-called banker certificate, which is why the family has never suspected it. They have always regarded the exchange certificate as the previous middleman certificate, and this new certificate can barely be regarded as witnessed by Chen Xi. After all, Chen Xi personally stamped the seal.  ??In triplicate.

    But unlike the middleman, this certificate is paper after all and can be carried with you at any time. After all, no matter how good your relationship is with the middleman, you cannot carry the middleman with you.

    Everyone is lazy. Although it was Chen Xi who indulged himself, I don¡¯t know who was the first to use the voucher to trade. After that, all the aristocratic families and wealthy businessmen followed suit. This thing is much easier than running around with money, so  There are more and more big deals.

    By the way, when this trading method first appeared, Chen Xi also hypocritically warned the aristocratic families and those big businessmen not to do this, which would make them feel dizzy when the officials gave them money.

    "As a result, Chen Xi, who is known as a talkative scholar, was persuaded by these guys who love money as much as their lives. As expected, he blocked other people's money paths. The fighting power burst out by others will definitely shock you.

    The aristocratic families and wealthy businessmen have already experienced the convenience of this kind of transaction. They have to go back to the transaction where they haul a few tons of money in a car, spend more than a month traveling to another state, and risk their lives.  Way, there is something wrong with my brain!

    So Chen Xi was persuaded by aristocratic families and wealthy businessmen, but they also imposed a lot of restrictions. One was the deposit, and the other was that large amounts needed to be withdrawn in person. In fact, the second condition was to prepare black money.

    The National Bank of England was such an insurance back then. You can only withdraw money if you come in person. If you don¡¯t come in person, it doesn¡¯t matter who you are, whether you are a direct descendant, a sister, or a parent. It¡¯s completely useless. We are just like this insurance.

    Of course, Chen Xi¡¯s moral integrity will not be so low. He still pays attention to his face, but for some people who say goodbye to the whole family, I¡¯m sorry. In these troubled times, who knows if you will say goodbye that day.

    So if Sun Ce and Cao Cao kill a wealthy businessman who paid a deposit, Liu Bei will get a share of the pie. Therefore, Chen Xi will sometimes secretly sell Cao Cao dirty information about rich and unkind businessmen when he has no money.
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