Lingyu First Bank

Next, both the Chang family and the Yu family only passed one person, which was the result of a compromise.
Next, Wang Yuan's nominations were all rejected, which also showed that the shareholders were wary of him.

There is no doubt about it, the Miao Kongzong passed one person, and the last place is for the city lord's mansion. As the representative of the imperial court, there must be one person.

In this way, the first council took shape, although it was not the best result, it was within Wang Yuan's expectation.

All the shareholders were very excited, witnessing this kind of democratic guild management for the first time, and with Wang Yuan's status in the guild, both of his nominations were rejected, which shows that this model can really play a role effect.

Wang Yuan announced the list of council members: Wei Liangtong, Xin Wen, Chang Lai, Yu Dana, Qingyuan, Bi Xiaoxin.

Then, Wang Yuan began to publicize the accounts.The jasper mirror was divided into two parts, the left half was the capital account provided according to Lingyu's habits, and the right half was the report made by Wang Yuan's new accounting system.

Everyone couldn't understand the report, so Wang Yuan had to give a brief introduction.The three masters who have a little foundation understand more or less, while others are in the fog.

However, although the three masters didn't fully understand it, they immediately saw the benefits of this new bookkeeping method.

The three major families immediately dispatched their accountants to do the accounting.

Because there are too many accounts, it is impossible to complete the accounting in a day or two, so the meeting can only end here.

Then Wang Yuan led all the shareholders to Julong Lingxiu Bank to confirm the number of spirit stones in the treasury, so that they can be checked after the accounts are checked.

Although Xin Wen's eyes were darkened, he knew that it was impossible for him to completely defeat Wang Yuan today.He wanted to go back to the City Lord's Mansion, but Wang Yuan invited everyone to look at the offices of the directors, all of them were suites with bedrooms.

Xin Wen rolled his eyes, he planned to move to the guild, and he was going to stare at Wang Yuan to death.

Wang Yuan talked with Shi Yuan, the suzerain of Miaokong Sect, and Shi Yuan expressed his support for Wang Yuan.Then Wang Yuan talked to the three masters respectively. The two masters Chang and Yu expressed great support, while the master Fan practiced Tai Chi.

Wang Yuan didn't care, even if Master Fan said he would support him, he didn't believe it, but Wang Yuan felt that in business, as long as there were interests, the Fan family and the Wu family might not necessarily be able to go together.

In fact, it was almost dark at this time, and Wang Yuan held a dinner in the banquet hall on the second floor of the guild.The people in the meeting kept meeting and didn't even eat at noon. Fortunately, everyone is a monk, and there is no sign of impatience.

The dinner was extremely grand, and Wang Yuan also taught the chef a few recipes with his cooking skills in his previous life, so that everyone could feast on them.

Back in the room, Wang Yuan sat down and slowly cleared his mind.

Of course, there was no capital to invest, and even Shangguan Ling didn't know about it.Wang Yuan entered the treasury with the embezzled spirit stones in front of Shangguan Ling. Of course, Shangguan Ling didn't know which spirit stone belonged to whose family.

When Shangguan Ling asked him where the spirit stone came from, Wang Yuan lied to him and said that it was from the bank during this period of time.

Although Shangguan Ling was surprised by the bank's ability to absorb deposits, the bank was owned by Wang Yuan personally, and he had no right to check the accounts, nor would he do so.

In fact, the little savings Wang Yuan collected was almost enough to build and renovate the bank, and there were tens of thousands of low-grade spirit stones left over, which he planned to use to improve his cultivation.

But the financial personnel of the three major families are not so easy to fool.

How can we not be found?Of course, it can only be a fake account.

Wang Yuan is very familiar with making fake accounts. When Wang Yuan was a loan officer in his previous life, he had seen the reports and account books of all enterprises.Wang Yuan could pat his chest and say, "I have never seen a real report or a real account book."

In the previous life, companies generally had at least three sets of reports, one for themselves to read, one for the tax bureau, one for the bank, and even four or five sets, which means that even shareholders can be fooled.

As a loan officer of a bank, he knows that it is a fake account, why does he still have to look at it?Because what he sees is not truth or falsehood, but logical relations.That is to say, your accounts and tables must be reasonable, and investigators will not be held responsible if you do so.What about bank loans?Regardless of the relationship, what the bank is most concerned about is your business status, cash flow, and of course the final key: collateral.

If you want to make fake accounts, the easiest way to start is accounts receivable and accounts payable, so all the corporate reports that Wang Yuan read in the previous life were huge amounts of accounts receivable.Because it is too difficult to fake cash and bank deposits.

But don't think that bank deposits can't be faked. Look at so many listed companies. There are tens of billions of funds in the bank account, but they can't even pay their wages. Why?The money in the account is indeed real, but it has long been pledged as a pledge. As for where did the money go?Then only the real controller knows.

Thinking of the countless frauds he encountered in his career in his previous life, Wang Yuan didn't have so much psychological burden when he made fraudulent accounts in this life.

However, it is not difficult to make false accounts, but it is much more difficult to prevent people from finding out.

There are several principles for falsifying accounts. First, don’t focus on one subject to kill. It’s like you want to embezzle 100 million and put it all into accounts receivable at once. It’s too obvious and should be spread out.

The second is that there is no zero and no account, and they cannot all be neat integers, which is too easy to be discovered.

The third is to prepare sufficient original evidence. Don’t be too troublesome. For example, if you embezzle funds in the name of workers’ salaries, you can’t just write a note. Try to collect some workers’ information and change the style of signature.

The fourth is to win by quantity. People are the same, and they will be afraid of difficulties in the face of a large amount of data. You have made hundreds of accounts, and people will check them to the death after half a day.If there are tens of thousands of transactions, 10,000+ transactions, in the case of time constraints, most of them will probably take spot checks.

Wang Yuan asked people to inflate expenditures in the accounts, reduce income, double-calculate a large number of engineering quantities, increase compensation for demolition, expand construction projects, and so on, rubbing the 140 million low-grade spirit stones into the accounts.

Of course, it is also very important to deal with the people who are good at checking the accounts. Wang Yuan specially sent the bosses of the old Huihuifang to serve all the checking staff with good food, drinks and good words, and put a lot of spirit stones behind them.As long as you accept it, he will be on the same front with you, because if you reveal your secrets, he will be finished.

After all, the person who checked the accounts was not the head of the family himself, let alone a servant, even the family, and the interests of the family were not as real as Lingshi.

Finally, three days later, under Wang Yuan's various means, no problems were found in the account check, and the turmoil was calmed down.

Early the next morning after the audit was completed, Wang Yuan convened the members of the council, this time to discuss the matter of opening a commercial bank to purchase materials in the mountains, and then go to Fucheng to trade.And the matter of purchasing the flying boat.

Seven council members entered the small meeting room, which was specially decorated for the council, with a round table and seven chairs.

After everyone sat down, they first proposed their own plans.

The first item is easy to say, to open a directly-operated business firm on the first floor of the guild, and allocate 200 million low-grade spirit stones as the initial acquisition funds.Even Xin Wen did not raise any objections to this.

The second item is to organize caravans to Fucheng, and each family needs to dispatch corresponding personnel to escort them.