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Following the stock market crash triggered by the silver mines on the Japanese Islands, Zhu Wencong immediately convened all investors from across California to San Francisco.

Jiuding Bank's profits for the entire year were predominantly from the stock market, with seven-tenths stemming from it. Now that the market had crashed, naturally the financial channels had dried up.

In the past, the ability to offer high returns was conceivable because of the plundering in the stock market, but now, without the stock market, high returns have become a thing of the past.

Zhu Wencong knew that at this moment, he needed to transform; without solid capital, he was just a lamb ready for slaughter.

The largest tangible industry of Jiuding Bank currently was the Jiuding Agriculture Company, with Songjiang Cotton and California Cotton as its core industries.