Liao Sanniang said again: "But if you want to leave, where can you go? Will you surrender to the Ming Dynasty? The Senate is eager to compete. Only Lord Chongzhen, ministers and ministers in Beijing are still pretending to be infatuated. There are countless others. Within a few years, the imperial army of the Song Dynasty swept across the world, and dynasties were changed just before their eyes.
Liao Sanniang paused for a moment and said coldly: "At this time, you are turning your back on the dark side. Can the Ming Dynasty protect you? Or do you want to seize Delong's money and go back to the mountains and forests? You must know that this day belongs to the Senate, and this place belongs to the Senate." It is the land of the Senate. When the world is unified, no matter how big the sky is, there will be no place for traitors to hide; no matter how wide the earth is, there will be no hole for traitors to shrink their heads. Although the Senate has good intentions, it will not bring disaster to the Yi people. , but the relatives and property of all of you here are all in Guangfu, and when the time comes, your parents, wives, and children will all be members of thieves. Everyone will see what they are like when they are in Guangli. They cannot go to school or work in factories. They cannot take the imperial examination. As long as Zuo of the Song Dynasty lasts, so long will he bear the name of this thief. His children will be slaves and maids for generations, and his descendants will be thieves and prostitutes for generations, bringing shame to the ancestors and leaving an infamy that will last for thousands of years."
After she said this, she pursed her lips and smiled: "Step back ten thousand steps, even if the Song Dynasty does not pursue you. You are from Delong, who doesn't know that you are a piece of fat? Who doesn't want to take a bite. Not to mention those people You are a silverfish in the government, even if you have a brother who has lived and died, I am afraid that the brother will not be able to do it if you have money in vain."
Liao Sanniang continued: "Beijing Station is not Master Leng's Beijing Station alone. If Master Leng is not here, the work will stop? Some people think that Master Leng is not here now and cannot be saved. Beijing Station is about to collapse. Ming Dynasty The factory guards are about to rush in and arrest people, and everyone is about to be cut to pieces. Some people are afraid, but if they are afraid, will this matter be able to get over? It will not be possible. This is a matter, since it is a matter, He has to do it.”
Liao Sanniang's tone was serious, and she added: "Blessings depend on misfortunes, misfortunes depend on blessings, whether they can be extremely peaceful or not, Chairman Wen taught us that when there is a crisis, there is an opportunity. When we do things, we only look at people and money. We people are not There is a lot of money, but we have plenty of money, and there is still a lot to be done. Mr. Leng will not be around for a short time. In this critical situation, people's hearts are floating. We must twist into a rope and work together to live as a loyal minister of the Song Dynasty and die as a martyr of the New Dynasty. The risk will bring blessings to generations of descendants."
At this time, Li Rufeng also stood up and said: "Sanniang, the matter has become clear. Today, according to Elder Leng, we have unified our thoughts and gathered our strength. No matter what different thoughts everyone had before, there is only one article It has been revealed, but if there is another half-hearted person in the future, Li will recognize him without the knife in his hand. I have been out for a long time, and I am afraid many people have forgotten that behind Beijing Station is the Senate."
Liao Sanniang took over the conversation and said to everyone: "There is a secret box to send messages when you are in power. Don't think that you can survive alone by betraying others."
Everyone here said that they were already frightened, and now they were most afraid of a collapse. It would be best if someone was willing to come forward and stir up trouble. Everyone felt that they had some backbone, and they were no longer so panicked.
Wu Kai said: "The top priority is to arrange Delong's business properly."
As soon as Leng Ningyun's case comes out, the Shuntian Prefecture will definitely summon witnesses to the Yamen for questioning. The trial of this kind of case often takes several months, and the Yamen detains the witnesses and the bandits to "please the God of Wealth" to deal with it. The more people they bring into the prison, the more likely they will be. good. Without preparation in advance, Delong's business backbone may be wiped out in one fell swoop. There is no need to do this business.
"...The business of the bank has not been as good as before in the past few years, but there are still many deposits and exchanges," Wu Kaidi said carefully considering the words, "If there is a problem with these businesses, not only will the bank be in danger, but the Capital Station will also lose its foothold. capital. So our first task is to maintain the bank’s business.”
Wu Kaidi was not from a bank business background, but he had been working with Leng Ningyun for a long time and knew the bank's situation very well.
"...Although the business of the bank is personally managed by the master, and I have never seen the account books, I probably still know that there is no problem with the collection, payment and exchange. As long as no one takes advantage of the situation, this business can be maintained even if the master is not around. The current situation. We will not take any action for the time being and continue business as usual."
Xiao Xiangli just said: "Mr. Wu! You are right, but there is one thing: our bank is engaged in credit business. Master Leng has no news now. No one needs to take advantage of the situation. The market will immediately spread the news that Delong is not in business." Stable news. When the people who come to withdraw money run, something will happen immediately! If someone else stirs up trouble and adds insult to injury, the bank will be closed in three to five days!"
The deposits brought in by banks cannot "make money", they all rely on lending out to earn interest differentials. This is the oldest and most essential "business" in the banking industry. Delong was no exception. The hundreds of thousands of taels of silver deposits it absorbed in the capital also relied on lending to earn interest.
The industry and commerce in Beijing and surrounding areas in the 17th century was actually very backward, and there were no commercial activities that required massive capital flows. The capital can accumulate a large amount of funds purely because of its relationship with the capital. But this also means that there are no local investment channels for funds absorbed from across the country.
In the capital, although there is a "Beijing loan" that is known as a huge profit - loans to local officials, the amount is not large. The real large-scale commercial loans are actually only for Mongolian business outside the country. Not only is the capital requirement huge, but the profits are extremely generous.
Mongolian business is usually done by Shanxi people, but a lot of the funds come from the capital, and it has always been monopolized by the "Shanxi House". As a latecomer, Delong and Leng Ningyun had tried many times but could not squeeze in. The solidity of the regional group was far beyond what he, an outsider, could destroy.
Therefore, there are three main destinations for Delong's funds: first, trade with North Korea in Tianjin, including transactions with the Manchu and Qing Dynasties; second, trade with Japan from the Shanghai Investment Promotion Bureau and silk business in Zhejiang; and the third destination is It will be remitted directly back to Guangzhou and used in various investment and trade projects of the Planning Institute.
The profits from these three channels are very generous, so Delong can pay an interest rate that is comparable to that of a house in Shanxi. Leng Ningyun does not use excessive interest rates to absorb savings. On the one hand, he thinks it is not necessary, and on the other hand, it is to avoid stimulation. To the original financial group, there were too many enemies.
Because all investment channels are out of town, Delong has very little reserve funds. Leng Ningyun only retained 12.5% of deposit reserves in Delong. When Guangzhou began currency reform, Delong mobilized a large amount of silver from various places, and Delong's reserves once dropped to only 7-8%.
"...The interest, acceptances and remittances that have to be paid this month alone are almost 30,000 taels of treasury." Xiao Xiangli looked embarrassed, "The cash in the treasury is less than 80,000 taels. If there is a run, We can’t handle it for three days!”
Wu Kai said: "Isn't this what everyone means by working together as one heart? I don't know how to do business, but the master is not here, we have to find ways to maintain this plate! As long as Delong can maintain it, it will be a waste of merit. "
Liao Sanniang nodded: "Mr. Wu is right. We are discussing solutions, not complaining. If you have any difficulties, let's talk about them, but we must also come up with solutions. We will do our best to solve the problems we can."
Delong's general accountant coughed slightly. He was a middle-aged man. He is an old man from the Guangzhou Railway Station and worked as a clerk in the Purple Accounting Office. He is familiar with both the Australian accounting system and Ming Dynasty's business accounting. At this moment, he whispered: "Xiao Xiangli is right, if you run against Delong, you will definitely die. Delong is not welcome here. If we are sick and kill us, the Shanxi house will most likely get worse. Let's drive out They will refuse to cash the bills, but they will delay the recovery of the accounts..."
"What should we do?" Wu Kaidi asked anxiously.
"We can't compete with Shanxi House just by expanding our reserves. Besides, there is no place to transport money at this time. Our place is far away from the Senate, and it cannot be done in a day or two..."
Xiao Xiangli spread his hands: "The current situation is difficult! I think we should close the store first, and everyone should go out and hide. As long as the door is not opened and no one can be found, no one can come to rush, right..." He said Seeing Liao Sanniang's sharp gaze, my heart trembled and I didn't dare to speak any more.
Another Wei Xiangli couldn't bear it anymore and said: "Master Xiao! This move of yours cannot be said to be wrong, but what if we hide out and cause a mob to attack? This has happened many times. Money is not enough Let’s go and talk, and…”
Delongli not only has a large amount of silver deposits, but also many Australian treasures, various account books and information collected over the years. These things cannot see the light. If it triggers a mob attack and then leads to a government seizure, these things will be exposed to broad daylight in an instant. Regardless of whether Leng Ningyun can return safely or not, the Delong stronghold will be completely destroyed.
The general accountant said: "It's impossible to hide out, and it's impossible to continue doing business. This matter depends on Lao Wu."
Wuyoudi somewhat understood what he was thinking and said, "You mean to have the government seal it down..."
"It's best if Shuntian Mansion comes forward, and Delong's business will stop as a matter of course," the accountant said, "but there is a limit here. It can only be 'sealed', not 'inspected'. The joints here have to be looked at. It’s yours.”
Everyone looked hesitant at this moment. The store was sealed. It can indeed avoid the rush in the short term, but once it is sealed, it will become a piece of cake. If someone has ulterior motives, they can use this to "censorship". Moreover, even if a store is temporarily closed down, it will have a huge impact on business reputation.
None of these people can make this decision. Wu Kai said: "I'd better go to the Yamen first to think of a way to see if there is any way to offset it. Can Delong be shut down without the need to seal it up?"
