Chapter 29 Crisis Mitigation
Xie Lun didn't even eat, so he hurried to see He Xi.
Although Niuzhuang City is chaotic, it is not large in scale, only the size of a small county in the mainland. Xie Lun was able to go see He Xi during meal time.
But Xie Lun didn't find it. His hurried departure from the money account had attracted the attention of many people with ulterior motives, so soon, what Fang Chengyun had done was immediately known to many people.
Xie Lun came to the small courtyard behind He Xi Niuzhuang Station and met He Xi. After reporting the situation, he said: "Sir, what should I do?"
He Xi said: "Just lend it to them."
Xie Lun said: "There is no silver in the money number."
He Xi said: "Did they take away the money for the purchase?"
Xie Lun said: "Of course not. However, when I go south in a few days, I will definitely pick it up."
He Xi said: "Then how much money do they use to book now?"
Xie Lun was stunned, and after thinking for a moment, he said: "It should be the money we paid for placing the order."
He Xi said: "No, I'll just come back. Just lend to them again."
Xie Lun couldn't wrap his mind around it for a while. Liaodong borrowed two million taels from Lan Yu. They don't have that much money themselves. This year, apart from the continuation of lumber trade in Liaodong after the beginning of spring, there has been no income in other aspects.
He can't figure it out? It was obviously a debt of two million taels, but after a few turns, the money was mostly returned. And let others owe you money.
Xie Lun suddenly figured it out. Said: "Sir, this is actually very dangerous. Within this year, no, it should be before winter comes, at least 10 million taels of goods will be produced. No, things are rare and valuable, so we produce in such large quantities. Prices will definitely fall. By then, I’m afraid it will take 15 million taels of goods.”
"Can we really do it?"
Xie Lun didn't think about the bank's magic. He points directly to the essence. In essence, Liaodong was responsible for as many as 10 to 20 million at once.
He Xi said: "This is not what we are discussing now. You do as I say. These people can lend money at will. As long as they open their mouths, I dare to give it. However, it is limited to this one order."
Xie Lun said: "This won't work. We only have two million taels in our treasury."
He Xi said: "Just write a list. Do you still need me to teach you about this matter?"
Xie Lun left the inn in despair.
He looked up at the blue sky and the bright sun. For a moment, there was an illusion. Is it really green today? Is it really white today?
Xie Lun shook his head and didn't think too much. Go do what you want to do.
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The so-called three million taels of goods finally increased to 4.5 million taels. The entire bank released more than two million taels of silver. Of course, it was just a few orders. Just this loan. Liaodong can make a net profit of tens of thousands taels.
As for the original silver, it is almost in the bank's warehouse and has not been moved.
In fact, there is another fact that Xie Lun doesn't know, that is, the silver in the banknote is not enough for two million taels. At least hundreds of thousands taels were lost. Only the box is enough.
He Xi never thought about actually paying.
Of course, there is also a small episode.
Nothing else. It's Fang Chengyun.
Fang Chengyun borrowed more than hundreds of thousands of taels of debt, including from Liaodong, and he also borrowed a lot from Chen Zuxiao. After all, Fang Guan is still working under Lu Zhongheng, so Chen Zuxiao is not worried because he will not return the favor. Let him win a spot in one fell swoop. It is even more necessary to withdraw a sum of money from Liaodong.
There are as many as one hundred thousand taels.
the reason is simple.
First of all, in private lending in the Ming Dynasty, almost no one could lend a sum as large as tens of thousands taels. Many people in later generations thought that tens of thousands of taels of silver was a small amount of money, but they did not know that even during the Ming and Qing Dynasties when the price of silver plummeted, eighteen taels of silver was enough to support a soldier.
The kind who can risk his life on the battlefield.
Tens of thousands of silver, if put to practical use, can be extremely powerful.
Legend has it that Sun Kewang entered Yunnan and received a tax of 70,000 taels from Yunnan to be transported to the capital. He was overjoyed, and the beleaguered Daxi Army immediately breathed a sigh of relief. Rescued from crisis.
Very few people dare to borrow such a large amount.
Secondly, the interest rate is too low.
Going out nine times and returning thirteen times is almost a routine operation. The interest rate of three cents is still a very low interest rate nowadays. This happens because, on the one hand, it reduces the cost of borrowers for these people. After all, if they borrow money according to this era, the one-year capital cost will be beyond their affordability.
On the other hand, many Liaodong officials felt that they didn't know when the bank loan would happen, so they didn't care.
Ever since, this has become the case.
This left He Xi speechless, just to maintain the credit of the bank account. Fang Chengyun could only let Fang Chengyun take advantage of this loophole, but then He Xi issued an order to increase the interest rate to three points. Sure enough, no one will follow suit.
It’s not all about interest, either.
It is also a question of decision-making power.
It is not very difficult for most maritime merchants to raise funds. Everyone has made a lot of money in the past few years. So there is no financial pressure. It’s just that I had already borrowed some money for ordering. Not everyone needs this funding.
In the past, there were only a few orders placed, which were similar to Chen Zuxiao's plan. give up. Most of them had a hand in it. In this case, follow the herd and go back to explain. But now most people are hesitant. This matter will be difficult to handle.
As for Fang Chengyun, he is a direct descendant of the Fang family. They are different from these housekeepers and slaves.
So, whatever he wants to do, he can do.
All in all, except for this little hiccup, everything went smoothly.
This is a toss-up. Liaodong's capital chain has been sorted out. This year, we can only complete enough production to survive the most difficult year. Next year will be much easier.
After sending these people away, He Xi immediately ordered a large purchase. Withdraw all the money from the bank account and go to Peiping, Shandong, and Korea to purchase various raw materials. We can’t wait for raw materials from these maritime merchants. Production will be delayed.
The severe drought in the north is not as serious as that in Shandong. Times are not good either. Selling grain is absolutely out of the question. After all, with reduced food production, people have to eat. How is it possible to sell grain, but cotton, linen, and other things? But it may not be impossible to purchase.
Just go together smoothly. He Xi is preparing to supervise large-scale production and inspect various factories. When the production tasks must be completed. A piece of news suddenly came.
But Ye Wang fell ill.
He Xi knew very well that Ye Wang had been ill for some time. If only for being ill. There is no way I would be in such a hurry to inform him. Well there is only one reason. That means Ye Wang may not be able to survive.
This is to be expected.
After all, Ye Wang's health has not been good since last year, and he is an elderly person. This sign is already very obvious.
However, He Xi was also very sad when he saw this day.
He Xi values Liaodong, on the one hand because of Liaodong's natural endowment, and on the other hand because of Ye Wang's active approach to him. The two hit it off and became a political ally. Ye Wang supported He Xi unconditionally in everything he did in Liaodong. He Xi paved the way and checked for omissions.
Without Ye Wang, He Xi would never have done it so easily. I don’t know how many troubles there are.
Do you really think that in the Ming army, arrogant soldiers and generals only exist in the noble class? An army that has always won battles, regardless of whether it is at the top or below, is arrogant. Even though you are the King of Heaven, I don’t necessarily need to give you face. It is precisely because Ye Wang has been in charge of Liaodong for more than ten years, first as deputy and then as commander of the capital. It can be said that Ye Wang is the most familiar with Liaodong. It was precisely because Ye Wang communicated with everyone and comforted the soldiers that nothing happened.
Although He Xi also had great rewards for Ye Wang. During the Battle of Goryeo. Breaking the country and conferring nobility. Of course the big head is occupied by blue jade. But with a title, Ye Wang is enough to change the family. From then on, he became a member of the Ming Dynasty.
During the First World War in Goryeo, both Ye Wang and Ha Cibuhua were awarded titles, which was naturally the condition of the deal between He Xi and Lan Yu. Yewang was the uncle of Uiju, and Ha Cibuhua was the uncle of Chungju.
