Chapter 3 What is Shanghai style and Shanghai style

The businessmen in the Shanghai area are relatively shrewd and successful in doing business. For nearly a hundred years, they have led the development of the entire Chinese industry and commerce.Why are they successful?Are Shanghai-style merchants smarter than others? (The term Haipai generally refers to merchants in cities around Shanghai, not just Shanghai.) The Chinese say smart means hearing and seeing. In other words, people who hear and see a lot will naturally become smart.Shanghainese are smarter in doing business because they live in a place where commerce is flourishing and they have more business friends.A Niu next door was supposed to be a slug, but because he went out to do business for ten or eight years, he made a fortune.Under the influence of this kind of environment, don't pretentious people still do business?

The atmosphere is driven, and the best way to educate is to see and hear with your own eyes.When we discover the secret of other people's success, and know that others have worked hard before they succeed, we rush to catch up. Even if we cannot succeed, we hope to influence the next generation and let them stand out on their behalf.Due to the influence of their fathers, brothers and fellow villagers, Shanghai people have gradually formed a business atmosphere. In cultural circles, there are two sentences, one is a copy of the world's articles, and the other is how many literati talk.These two sentences, no need to explain, everyone will understand.

But if these two sentences are transcribed into a copy of the world's shopping malls and the businessmen's words, then it will be necessary to explain it carefully. Mr. Wu Yingxiang, the boss of the Hong Kong businessman Hopewell Industrial Co., Ltd., when he first made his name, one of his most outstanding achievements was the construction of Shenzhen's road network and power plants.When the world admired his brains, Mr. Hu Yingxiang said that his plan was learned from Sir Yugang Pao. He learned to borrow money from the bank to expand his business.At the beginning, Hu Yingxiang just had an idea in his head. He said and wrote the plan to make it into a concrete plan. Then, relying on the skills of a salesman, he lobbied to the bank and got financial support. The fleeting plan is put into practice.

Hu Yingxiang learned from Pao Yukang. This is the valuable experience and business culture that Bao Yugang gave to Hong Kong people. We do business. Who did Bao Yugang learn from in his business methods?He must have researched and studied first before he figured out how to do business.Pao Yugang grew up in Ningbo, but he spent more than ten years in the banking industry in Shanghai.Although Bao Yugang did not disclose who he was a teacher of, but judging from his words and deeds, I believe he was deeply influenced by the spirit of his hometown.The spirit of his hometown is the diligence and frugality of Ningbo people.What exactly is the style of the Shanghainese?

To explore the style of Shanghai style and the way Shanghai people do business, it is best to read the history of the prosperity of Shanghai businessmen, to see how these figures use political power to promote their own careers, and to see how they earn money when they have nothing. The capital of doing business. The best thing about Bao Yugang is that he borrowed money from HSBC to develop his own shipping kingdom.The relationship between HSBC and Chinese businessmen has a long history.HSBC Bank was founded in Hong Kong in the third year of Tongzhi, opened a branch in Shanghai in the second year, and lent the first loan in the third year: 1.2 million taels of silver.This is a huge loan.

Who borrowed the first foreign debt from HSBC to do business? This person is Hu Xueyan, a big businessman in Hangzhou, Shanghai. Hu Xueyan has a big business. He is the big boss of Fukang, a famous bank, and has the nickname Hu Caishen.In addition to the bank business, he also operates a pawn business, a silk tea business and a pharmacy business. In the beginning, Hu Xueyan was no different from ordinary businessmen, relying on labor to start a business, that is, cattle plowing the fields, there is no problem with two meals, but if you want to make a fortune, you have to use other people's money.The farmer’s means of earning money is the field cattle, the worker’s means of earning money is the machine, and the businessman’s means of earning money is the money in the bank.The bank's money is rented out. If businessmen don't rent money from the bank to develop, the bank's money will definitely go moldy.How to rent money from the bank for temporary use?First, there is interest paid as rent, and second, a promise to pay it back, and a good plan that works.

It is a fair and legitimate business to ask for money from the bank, but what about asking for money from the poor?But they are going to do some illegal activities, such as tempting people to go whoring and gambling and other depraved things.After getting rich, most people who engage in illegal activities will regret it. Since the bank has ready-made money to rent out, why do bad things to raise money? This small book provides you with the struggles of some Shanghai businessmen in the same line.These Shanghai businessmen are Hu Xueyan, Du Yuesheng and Bao Yugang.Their tactics are the same, they all use loans to make a lot of money.The three of them are good at cooperation between government and business, and they are also good at using the funds accumulated in the bank to start their own businesses.

To sum up the experience of the three people, they understand human nature very well and know how to solve the problems of politicians. When the problems of politicians are solved, they will make endless money. The key to their prosperity is not a secret, but some principles that everyone knows, but no one is willing to follow it.Simply put, walking the talk, keeping promises, being punctual and being responsible are all conditions for success, but not many people are willing to do it.When a businessman looks for a partner, a politician looks for a partner, and a banker lends money, most of what they consider is the reputation of the partner.

Young people often complain that their families do not have a lot of money to give them opportunities to develop. In fact, the greatest asset of a person is his personal reputation. After having a reputation, capital will naturally flow in from all directions.Parents' wealth is at most a big water pipe, but with their own reputation, they can get support from all directions, and these supports can be as big as a flood.How can a person with ambition be so stupid, relying on the support of his parents and neglecting to develop his own abilities and establish his own reputation? One thing these three successful people have in common is that they don't read much.But their spirit of learning makes scholars feel ashamed.Many scholars have academic qualifications but no knowledge, because they have many prejudices and refuse to ask questions.Learning comes from learning, and only when learning and asking are combined can there be achievements.Those pedantic scholars are like closed-door people, who just stand still with prejudice and look forward to the progress of others.

Hu Xueyan lost his father at an early age, and went out to study as a teacher at a young age, and did not study much.Du Yuesheng is even a street boy, and he doesn't know who his parents are.Although Bao Yugang came from a wealthy background, when he started the shipping business, his father strongly opposed it. When he finished middle school, Bao Yugang wanted to go to university, but his father said that in troubled times, instead of studying, it is better to learn a practical skill for making a living.For this reason, Bao Yugang gave up the idea of ​​entering university and applied for a new career: the insurance industry.

Coincidentally, another Sir Tang Zhaojian also had the same experience.When Deng Zhaojian finished middle school, he wanted to be admitted to the University of Hong Kong, but his father, Deng Tianfu, a bank owner, also persuaded his son that if he wants to do business, it is more practical to be a teacher than to go to university.Finally, Deng Zhaojian gave up his college entrance examination and became a young man of the bank. None of these successful people had any academic qualifications.Real knowledge is obtained from the process of earning a living and growing up. What the school can provide is only some information and techniques for our reference.The market is changing with each passing day, and things can never be learned.For this reason, successful businessmen study while working, and their learning spirit is comparable to that of scholars.Generally speaking, businessmen read little, but they have seen a lot of the world. This situation is in line with what the adage says: insight into world affairs is knowledge, and understanding of human feelings is writing.Real knowledge comes back after stepping out of school.