"At that time, jstars haven't set foot in the banking industry. At that time, Pingyao had a rising bank number, and the earliest evidence found now is the account record of the branch of 1823, which rises every five years. However, it is generally believed that there was a trade name exchange in Pingyao before the commercial prosperity in Japan. As an emerging industry, the ticket number was created by Pingyao people rather than Jixian people. " Zhu Xiuhai said that there were very few banks at that time, only five in the country, and the largest Rishengchang had only seven semicolons. Because it doesn't deal with small and medium-sized businessmen, its influence is very limited. Generally speaking, small businessmen need money to do business. When Qiao Zhiyong realized the broad prospects of banks, his ambition was to communicate with the world one day. How advanced this idea is, how big his ideal is! Isn't this like UnionPay today? /kloc-Shanxi merchants more than 0/00 years ago also had such perfect ideas and broad verve at that time. Moreover, although Qiao Zhiyong tried to develop the bank number to the whole country, it did not want to monopolize the bank number business. His ideas, difficulties and risks are clear at a glance. For example, let the bank remit 220 taels of silver to the south, which was not enough for the trip at that time. Think about it. If you have a bank number in Xinjiang and ask you to remit one or two pieces of silver, you must do it. And the cost and risk are amazing! But Qiao Zhiyong is such an idealist. "。
Qiao Zhiyong values the future of banks so much because of his own experience. At that time, there were bandits and rebels on the commercial road, and it was very dangerous and inconvenient for businessmen to carry a lot of silver. Even if the banknotes are intercepted by robbers, it is impossible to exchange silver in the bank without secret records. Surprisingly, it has been confirmed by later generations that there has never been a well-documented false transaction in the whole history of Shanxi Bank. Qiao Zhiyong opened two banks, Dadetong and Dadefeng, with jstars' funds. Adapted from the TV series Datong. Da Dexing, founded in Xianfeng period, was mainly engaged in tea and foreign exchange at first. Later, Qiao Zhiyong discovered that the ticket number was a relatively new industry, so he changed it to changing tea. "Wu Dian said," Guangxu ten years, Qiao Zhiyong changed Dai Dexing to Dadetong. In the same year, Dae Tak Fung Bank was established to specialize in foreign exchange business. Under the management of Qiao Zhiyong, Dadetang and Dadefeng later became one of the few big banks in China. "Wu used such data to show Qiao Zhiyong the development speed of banks." 10 years ago, when Guangxu established its capital, there were 62,000 people in Dadefeng, and a few years later it became122,000 people. 10 years ago, Guangxu's capital has increased to 352,000. "
Actually, the reason is very simple. Qiao Zhiyong continues to invest part of its annual profits as capital, which is called "double capital" in the jargon. Usually, Shanxi merchants will distribute profits in each accounting period, which is usually 3 years, 4 years and 5 years. Wu Dian said that almost all dividends in Qiao Zhiyong were invested in capital, and its capital was second to none among banks at that time. "At that time, it was estimated that the capital of jstars was forty-five million taels of silver. After the founding of the People's Republic of China, it is estimated that Joe's working capital is about 8 million to 6.5438+million, excluding bank number and real estate. " Wu also admitted that this figure was estimated by everyone. Because there is no clear record, it is mainly based on
Wu and Zhu Xiuhai think that Qiao Zhiyong has brought the generosity and kindness of Confucianism into business besides talents. The most conclusive evidence we can see now is the epitaph erected after Qiao Zhiyong's death. According to Wu Dian, Qiao Zhiyong's tomb is still in Qiaojiabao Village, with the epitaph standing in front and the epitaph buried inside. Qiao Zhiyong's epitaph has not been found yet. The words on the tomb platform were written by Chang Zanchun, the grandson of Qiao Zhiyong, a cultural celebrity of the Republic of China. He described Qiao Zhiyong's childhood family like this. When he wanted to pass the imperial examination, he was forced to take over his family business and took Confucianism as his business guide. As a businessman, Qiao Zhiyong still keeps two books, Earth Star and Four Books and Five Classics, and he will stand up to help the society in disaster relief. Zhu Xiuhai said: "The people are precious, and the monarch is mean." This is the people-oriented thought in Qiao Zhiyong's mind. '
Zhu Xiuhai believes that this spirit can continue to Qiao Jiazu. Qiao Guifa is a grassroots, and he can't get a wife at the age of 30. But he finally married a widow with children, which can be said to be affectionate and righteous. "You go to Shanxi jstars, they have a newspaper's first generation granddaddy, next to the clay sculpture is a beggar basket and a dog stick. They don't hide the poverty history of their ancestors, but hope their families will remember it. Not only in Qiao Zhiyong, but also in Qiao Zhiyong's family, grandchildren always use their carts to pull rice noodles during the Spring Festival, providing financial assistance to poor families to help them celebrate the New Year. They have good tutors, don't forget their poor background. You can give an example to illustrate how strict Joe's family education is. Many large families in Shanxi have a stage, but the Qiao family doesn't. They are afraid that future generations will lose their spirits. There is also a rule in the jstars, which is to replace the young maids with middle-aged women to prevent young men from seeing indecent things. "