To be fair, the Ming Dynasty was very careful about the management of the Yellow River because it was warned by the Yellow River bursting its embankments at the end of the Yuan Dynasty. Mainly in the early Ming Dynasty and the middle Ming Dynasty, the Yellow River was regulated twice on a large scale. Liu Daxia began to build embankments on the lower reaches of the Yellow River and on the north bank of the Yellow River.

Two protective levees were built inside and outside. The main location is in the copper tile chamber. The purpose of building the levees was to cut off the east exit of the Yellow River and ensure that the Yellow River flows southward near Kaifeng and flows from Bianshui River to the Huaihe River to the sea. Since then, for more than 300 years, the Yellow River has

It was along this road, seizing the Huai River and entering the sea, that it was relatively stable in the late Ming and early Qing dynasties.

Although the Yellow River in the Ming Dynasty was relatively stable, there was an accident. This time the embankment burst at Mengjindu. The reason is unknown, but more than two million people were affected! The imperial court was currently in financial difficulty, and it was definitely unable to provide money and food for disaster relief, so

Instead of letting these two million victims sit and wait for death, it is better for Liaonan to lend a helping hand.

There are now less than two months until the autumn harvest, and it will take more than a month at the earliest for the victims to arrive in southern Liaoning. By then, we will raise these victims and let them help with the autumn harvest.

With the two million victims as a base, Cheng Shijie had the confidence to develop industry or expand the military to prepare for war. Song Xiance was also realistic and did not expect that all of the two million victims could be tricked into arriving in Liaonan.

Whether it is one-third or one-fifth, it will be of great help to Liaonan.

Regarding Song Xiance's establishment of an immigration bureau to absorb refugees, Cheng Shijie agreed with both hands. He was not afraid of spending money, nor was he afraid of spending money. The development of southern Liaoning is inseparable from population.

Now that the management committee has been established, Song Xiance, the director, has begun to perform his work responsibilities and can develop business, which cannot be separated from the cooperation of the bank.

Bank reform is also imperative, because Yang Yunniang needs to attend the meeting of the management committee, and the bank meeting will be held only after Yang Yuniang is free.

This is a small-scale meeting, and it is also Cheng Shijie’s hot pot meeting.

The location is the General Military Mansion in Ninghai Haijun. It is no longer called the General Military Mansion, but the Yamen of the Liaodong Economic Strategy and Appeasement Bureau. Although the name has been changed, everything else remains the same.

Yang Yuniang is now used to getting along with Cheng Shijie. In fact, Cheng Shijie has always regarded Yang Yuniang as an ordinary colleague and an ordinary female subordinate. Even if the two of them are alone, they will never have any intimate behavior.

Cheng Shijie was very vigilant in this regard. In later generations, he had a former colleague who failed in this regard. Not only did he die in the company, but he was also fired from his position. The other person was more promising than Cheng Shijie. He had graduated from a serious undergraduate degree and had a bright future.

.

While Yang Yunniang was eating hot pot, she sat opposite Cheng Shijie, holding bowls and chopsticks, and skillfully cooking the mutton. Zheng Jian, Zheng Ji and Zheng Qi, who met Cheng Shijie for the first time, were very reserved.

Cheng Shijie said while eating hot pot: "The bank's business scope needs to be increased!"

"How much more?"

"Almost three times the current amount!"

Cheng Shijie said: "With the salaries of the management committee members, the salaries of each factory, and the salary of Ning Haijun, the number of people opening accounts will definitely exceed 100,000!"

"One hundred thousand!"

Zheng Jian looked surprised.

For a bank to have 100,000 depositors is very impressive.

"First of all, I want to apologize to you!"

Cheng Shijie apologized, put down his bowls and chopsticks, and bowed to Yang Yunniang.

Yang Yunniang was so frightened that she quickly ran away: "Sir, you are trying to break the evil slave..."

"You should be aware that this was when I first considered the problem. It was too simple. It was a decision made at once!"

Cheng Shijie said: "Although you reminded me, I didn't listen. If you are wrong, you are wrong. If you are right, you are right. The dynamic password does not need to exist, but what needs to be considered is that the bank cannot arbitrarily change it for you.

In order to prevent depositors from losing their passbooks and causing heavy losses when they change their passwords, once the depositors report the loss to the bank, the account freezing mechanism must be activated immediately!"

Yang Yuniang asked: "What is the freezing mechanism?"

"That is, if the passbook holder or his or her family members report to the bank that the passbook is lost, the money in the passbook will immediately stop being deposited or withdrawn. In other words, if someone takes the passbook and goes to the bank to withdraw money, once the password does not match three times, the account will be lost.

It will be frozen immediately. Those who hold a passbook account need to provide written certification. They need a letter of proof from their household registration and factory, village office, and town!"

When Cheng Shijie said these words, Zheng Qi took a small brush and began to write down quickly.

Cheng Shijie glanced subconsciously, and he found that Zheng Qi's small regular script was as clear as printing, and what was very rare was that she could actually follow Cheng Shijie's speaking speed.

Sure enough, no woman who dares to show her face is free.

After Cheng Shijie introduced the freezing mechanism in detail, he began to introduce the branch opening work of the bank. Because there is no computer search function, the bank needs to file according to the file when it files for the depositors. The account of each Ning Haijun soldier will be filed according to the location where it is located.

Troop numbers are classified and filed.

Just like you only need to see that this is Zuo Dusi, then when looking for this person's information, you only need to face the more than 6,800 people of Ning Haijun Zuo Dusi, the first general, then this data will be fixed at one of the first generals

There are more than a thousand people, and then there are each bureau, so the data for this bureau is even less.

This bank's database is like the search catalog of a library. If you want to find a history book, you can search for past dynasties in the history category, and then you can find it in the past dynasties category. In this way, the scope is much smaller.

Cheng Shijie said with a smile: "Our bank wants to serve all the people in southern Liaoning. The accounts of military households in rural areas are based on the town where they are located. A town only has one thousand households, and the first to the 100th households only have one hundred data.

According to this search method, you can find someone's account information in the fastest way, but of course, the preparatory work will be larger!"

Yang Yuniang thought: "The factories are classified according to the factory classification, and the military households in the fields are classified according to the hundreds of households in each town. But, what about the businessmen? How to classify them?"

“All merchant passbooks will be marked in red, because merchants’ funds flow and deposits and withdrawals will be more frequent!”

Cheng Shijie thought for a while and said: "The same is based on the fixed initial household registration number. The merchant household registration will enter their initial household registration address. For example, a merchant sets up a store in a certain street in Jinzhou City in the early stage. No matter how big his business is later, how many accounts he opens,

All are built in the location where the store is located. If the other party requests to change the input information, then charge money to change it!"

"Does that mean that every time we build a branch, we need to build an archive?"

Cheng Shijie shook his head: "Actually, there is no need. Our bank is divided into four levels: head office, branches, sub-branches, and branches. Our passbook levels are also divided into four levels: gold, silver, bronze, and ordinary. The annual turnover of gold accounts is greater than

If the amount of more than 100,000 taels of silver is a large-amount off-site withdrawal commercial account, and it needs to be withdrawn from another place, then we mark it in gold on the passbook. Such account information needs to be established in the branch branch archives, that is, each branch has such

account information!"

By analogy, for a silver account with an annual circulating silver of less than 100,000 taels but more than 10,000 taels, the information entry level is deposited in each branch. When withdrawing, you need to make an appointment in advance and go to the branch to withdraw.

Bronze accounts are red passbooks. They are merchant accounts or annual turnover is more than 500 taels but less than 10,000 taels of silver. The bank account information needs to be retrieved at the branch.

"Ordinary account means that when applying for a passbook, we need to ask the holder of the passbook whether he or she does not need permission to withdraw money from another place. If not, the account will be a red account. If it is an ordinary account and does not need permission to withdraw money from another place,

Accounts and information files only need to be placed in the head office and each branch!"

Cheng Shijie said seriously: "Ordinary people actually rarely have the opportunity to travel to other places. Many people have never left the county in their lives. Therefore, most people do not actually need to activate the remote access function!"

When Cheng Shijie proposed this plan, Zheng Jian smiled bitterly.

Cheng Shijie is a boss who understands bank operations, and such a boss is not easy to fool.

In fact, Zheng Jian really didn't dare to fool Cheng Shijie. Normally, if a boss fooled him, he would be fooled, but to fool Cheng Shijie, it would be a recipe for death.

Liaonan Bank also needs to be renamed, and it is more appropriate to change it to Liaodong Bank.

According to Cheng Shijie's plan, the headquarters of Liaodong Bank is in Jinzhou, such as Haizhou, Fuzhou, Gaizhou, including Jinzhou. It needs to set up a branch. Setting up branches in various towns feels like anti-aircraft cannons to swat mosquitoes. The bank is currently expanding.

A total of six more branches need to be established in Haizhou, Fuzhou, Gaizhou, Lushun, Jinzhou, and Zhenhaicheng. Sub-branches will not be opened for the time being because there is no need to open them yet.

As the saying goes, if a leader talks, his subordinates will lose their legs.

After Cheng Shijie made arrangements for the work of Liaonan Bank, he considered another issue, that is, the minting currency market. Printing banknotes would definitely not work, because the Ming Dynasty had been deceived by treasure banknotes, and ordinary people no longer had any interest in treasure banknotes.

Have a little bit of trust.

When it comes to casting currency, Cheng Shijie is actually no stranger to this aspect. The third-level subsidiary of Hansteel Group produces a hydraulic molding machine. This kind of thing is fully automatically controlled and can be used to cast various alloy steel pads.

Coins are also available.

But this thing is too heavy and consumes a lot of energy. Even if Cheng Shijie dismantles and moves these devices bit by bit to Jinzhou, he does not have the electricity to provide energy for these devices.

In desperation, we had no choice but to settle matters tomorrow morning.
Chapter completed!