Tang's Bookstore.
Tang Run looked at the five stacks of Hongwu treasure banknotes on the table, with some longing in his eyes. He raised his head slightly, and a night traveler wearing a curtain was reflected in his eyes.
Ye Xingren pinched his throat and said: "Although these five hundred guan cannot buy your bookshop, it can still be used to use your craftsmen to print some toys, right?"
Tang Run wanted to reach out and take away the money on the table, but he still understood the principle of greed like a poisonous python, so he had to decline: "I have seen the printed matter. It is news about the imperial military examination. This matter is too risky." Da, once the court investigates, everyone in the bookstore will lose their heads, so please find another Gao Ming."
Ye Xingren stood up, reached out and stacked the treasure notes together, looked at Tang Run whose expression remained unchanged, and asked, "Are you serious about not thinking about it anymore?"
Tang Run stood up and held his hands in his hands: "I won't send it away."
The night traveler laughed out loud, reached out and took off the curtain, and said slowly: "As expected of my old boss, he can distinguish right from wrong. However, this thing needs to be printed by Tang's Bookstore, tonight."
"Yes, it's you?!"
Tang Run looked at the visitor in surprise, took a step back, and knocked over the stool.
Outside Tongji Gate.
As soon as the Royal Central Bank opened its doors, the chaotic sounds outside came like a flood. If there were not guards to maintain order, they would have swarmed in without any hesitation and trampled the clerk at the door to death.
"Line up, and whoever is called will go in based on the brand number."
"What's our number?"
"Number 32, lean back."
"Go in on the 1st to 5th."
The clerk Huang Zhong sat behind the window, grinding his teeth, and asked the big man who came over: "Are you planning to exchange silver and copper coins, or are you planning to deposit and withdraw silver coins? At present, the annual interest rate on deposits..."
"What, I'm here to borrow money."
"Oh, lend it. It's easy to say. The annual interest rate is 10%. If you borrow ten taels of silver, after one year, in addition to repaying ten taels, you also need to pay one tael of interest. If you repay the loan in advance, you only need to pay a monthly interest of 100 taels. Calculate it by eight-tenths."
Huang Zhong introduced it quickly, then found the loan document, looked at the other party, and asked: "If you understand, you can tell me your name, place of residence, and whether you have any collateral."
"Zheng Xian, Wu Songjiang, there is no collateral, how about you take a look at my sword?"
Zheng Xian took out the sword from his waist.
Huang Zhong looked at it and asked: "But the martial arts examiner who participated in the martial arts examination?"
"Yes, this is my talisman."
Zheng Xian handed over the talisman letter.
Huang Zhong checked it carefully, then looked at Zheng Xian, stood up and said, "It's Zheng Wuju. I wonder how much silver you plan to borrow?"
Zheng Xian stretched out his right hand and spread his fingers.
"Five hundred taels?"
"No, no, it's five taels..."
Zheng Xian was shocked. If he borrowed five hundred taels and lost money, he would have no way to survive for the rest of his life.
Huang Zhong was a little surprised, but he still said politely: "Five taels? Well, for five taels, there is no need to bet on the sword. You are a martial arts scholar, and you have a letter to prove your identity, which is enough for the central bank to issue two taels without collateral." For an IOU of less than ten taels, are you sure it's five taels? Okay, just take the IOU and go to the front passage to get the silver taels."
The IOU must be written in three copies and marked with fingerprints.
Huang Chong sent Zheng Xian away with a smile, and pulled the rope by the window. A bell outside the door swung. Another person walked into the bank. It was a businessman who wanted to take the money from the capital.
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A shop in the country borrowed a thousand taels...
The loan business of Royal Central Bank suddenly became hot. Although the chief executive Liang Chengtong was happy, he also felt a pressure and immediately ordered people to summon Hu Hu, the director of the four central bank branches of Tongjimen, Jubaomen, Jiangdongmen and Jinchuanmen. Dake, Chen Xiu, Wei Laibao, and Luo Qiu went to the Taipingqiao Royal Central Bank headquarters in Zhongcheng for a meeting.
The abacus clattered, and the brushes were picked up one after another to record the numbers. Then the account book was handed to the next person, who took the account book sent by the previous person and calculated again.
After more than an hour, Luo Qiu sorted out the corresponding results and reported to Liang Chengtong: "Chief Chief, the accounts of the Jingshi Branch and the headquarters have been calculated three times, and the accounts are completely consistent."
Liang Chengtong took the document, read it carefully, and asked: "In the past three days, the bank has lent as much as 120,000 taels, which has exceeded the monthly lending quota this summer. Will such a large-scale loan affect the bank's operation? , Don’t let it hit the bottom, and someone withdraws a large amount of deposits, and the bank can’t withdraw it for a while, which will be troublesome.”
Hu Dake said seriously: "There is no problem at the moment. Judging from the Tongjimen Bank Branch, there are still 200,000 taels of gold and silver banknotes in stock, which is enough to cope with ordinary withdrawals."
Wei Laibao and others made some calculations and believed that the current increase in lending would not affect the bank's operations.
Liang Chengtong breathed a sigh of relief and said: "Don't be careless. It's not far from the end of the year. Businessmen and people will take out their deposits and buy goods. Also, send someone to investigate why the capital's borrowings suddenly increased."
Hu Dake, Chen Xiu, and Wei Laibao nodded. Luo Qiu hesitated and stepped forward: "Although the number of loans has increased a lot now, judging from the amount of each loan, the maximum is only a thousand taels. The minimum number is only two or five taels, mainly idle businessmen and gentry. I heard some news that someone in the capital bet on the martial arts trial. The odds are astonishing, ranging from seven to one hundred. The money lent , I’m afraid it’s related to this.”
"Is there a gambling house in the capital?"
Liang Chengtong was surprised. Before Taizu's Xiaoyao Building was demolished, someone wanted Xiaoyao?
"I also heard the news. It is said that a prince is behind the casino."
"You mean Li Jinglong?"
"Uh, I didn't say anything."
"Nonsense, there are only two princes in the capital. If it weren't for Li Jinglong, could it be Xu Huizu?"
Liang Chengtong was a little depressed. Logically speaking, Li Jinglong had just ended his confinement and should live a low-key life. How could he open a casino in a high-profile manner? Isn't this just giving someone a thumbs up and then finding out for himself?
Hu Dake became serious and thought: "If these news are true, should we prepare some countermeasures? Casinos are not like doing business. Once we lose all the money, it will be difficult for us to recover the accounts. If so many accounts become dead debts and bad debts , there will be no profit for the Central Bank this year.”
Chen Xiu didn't mind and said confidently: "Anyone who comes to borrow money without identity or status usually has a mortgage. Even ordinary people will leave evidence, indicate their household registration, and leave a mortgage and portrait. Besides, everyone knows that the Royal Family is behind the Central Bank, and if the money owed to the Royal Family is not repaid, there are not many people who have such courage."
Luo Qiu and Wei Laibao agreed with Chen Xiu's view that repaying debts was a matter of course. Simple people would not default on their debts. As for treacherous businessmen, they would not dare to default on the emperor's debts. The gentry valued trustworthiness very much, and some No need to worry about repayment ability.
Liang Chengtong also believed that Hu Dake's worries were unnecessary, but just to be on the safe side, he still ordered: "As long as it is lent,
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It is necessary to carefully check the identity, tokens, and collateral. If there is a loan exceeding 5,000 taels, the application must be transferred to the headquarters. The branch will not accept it until the end of the martial arts test. "
"good."
Luo Qiu and others quickly agreed.
A few people were discussing bank affairs, and the clerk suddenly came to report a message. Liang Chengtong looked at Luo Qiu and others, and went out to greet him uneasily.
After Liang Cheng and others saluted, the imperial eunuch Wang Yue took out the imperial edict without unfolding it, and said directly: "The emperor has a secret edict. No one except the principal can pry into it. You can get up and read it yourself."
After Liang Chengtong thanked him, he received the imperial edict. After reading it, he quickly expressed his position to Wang Yue: "Please also ask Young Inspector Wang to inform the emperor that the Royal Central Bank will definitely act in accordance with the order."
Wang Yue smiled, waved his fly whisk and turned to leave.
"My lord, is the emperor dissatisfied with the casino and the banker not lending money?"
Seeing Liang Chengtong's serious expression, Luo Qiu and others couldn't help but ask.
Liang Chengtong shook his head slightly, returned to the house, waved back, and then handed the imperial edict to a few people.
After Wei Laibao saw it, he was a little confused and said, "Why does the emperor want us to withdraw 500,000 taels to the Guangxi Bank Branch? Isn't this a waste of money?"
Luo Qiu was also puzzled.
It stands to reason that opening a bank, as long as you don't mess around, is still a huge profit. What's more, it is a central bank with the word "royal". Although it reduces the interest rate, the wealth it absorbs every year is still staggering.
However, there are always exceptions in a few places. For example, the central bank branches in Guangxi and Yunnan are losing money. I heard that the money lent last year has not been recovered this year.
The situation there is special, with a large ethnic minority population and a large number of toasts. To put it bluntly, some people are still uncivilized and do not understand the principle of borrowing and repaying money. It is okay to take money for enjoyment, but not to let people pay back money.
Taking into account the local stability, personal safety, and strong folk customs, and it is not suitable for door-to-door violent collection, as for the confiscation of property, they must have property...
Yunnan has improved this year. The reason is that Zhang Yan has done very well in Yunnan. But the chief envoy of Guangxi, Chu Yong (yong), was not strong enough. He did not have the ability and prestige of Zhang Zhen. Although there was someone to slaughter Zhang Fu, it was not easy to slaughter his own people.
It would be good not to consider canceling the Guangxi Central Bank branch at this time. Why should we give them 500,000 taels? This is not a small sum. If it is not handled properly, it is likely to affect the operation of the entire bank.
"We just have to comply with the emperor's arrangement. Fortunately, we have plenty of time. After the branches in various places deliver the proceeds at the end of the year, we should have no pressure to pay Guangxi 500,000 taels."
Liang Chengtong also couldn't figure out Zhu Yunwen's plan.
Hu Dake looked at the imperial edict, pondered for a long time, and then said, "Perhaps, the emperor is planning to make a big deal in Guangxi."
"No, it's five hundred thousand taels."
Wei Laibao sighed.
Suddenly, Wei Laibao stopped talking and looked at Hu Dake. Luo Qiu, Liang Cheng and others were also stunned and couldn't take their eyes away.
Hu Dake nodded and said softly: "As you think, it should be that deal."
Liang Chengtong swallowed and asked numbly: "Is five hundred thousand taels enough?"
Luo Qiu's hand holding the tea bowl trembled a little, the tea swayed a little, and she murmured in a low voice: "The Emperor is already making preparations, how could the Ministry of Revenue be indifferent. Guangxi, I'm afraid it's not just a business matter."
(End of chapter)
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