The group of people came to the door of Jiangjia Bank. It was a very tall building. There was an archway in front of the door, with the inscription "Rivers Gathering". After passing the archway, there was the main body of Jiangjia Bank.
The entrance of Jiangjia Bank is very lively, with people coming and going and traffic.
Ma Xiang pointed to the archway and said: "This archway is a merit archway. When Emperor Taizu rebelled against the Yuan Dynasty, he got the support of the Jiangnan nobles and contributed money and effort. After the founding of the People's Republic of China, Emperor Taizu bestowed this archway. At the same time, for the officials in Jiangnan The tribesmen also take care of me."
Zhu Zhanzhen nodded. Although the Ming Dynasty started with a bowl, it could not conquer the world purely by relying on a bowl. Wars cost money and there must be people behind them to support them.
Shen Wansan, a wealthy man in Jiangsu and Zhejiang areas, had an unusual relationship with Zhu Yuanzhang. Shen Wansan helped Zhu Yuanzhang build one-third of the Yingtian Mansion, but he overstepped his bounds and wanted to reward the three armies. Zhu Yuanzhang got angry and said: "How dare an ordinary man reward the emperor?" The army and the absolute chaos should be killed."
The reason is that Shen Wansan initially supported Zhang Shicheng as Zhu Yuanzhang's enemy. Although he later switched sides with his businessman's keen sense of smell and sufficient tact, people like Zhu Yuanzhang looked down on these ingratiating businessmen the most.
This is also one of the reasons for the ranking of scholars, farmers, industry and commerce in ancient times. In ancient times, businessmen were considered to be vain and opportunistic people, and they were most despised.
Ma Xiang explained as he walked: "There are three largest bankers in Jiangjia Bank, Lin Fang, Han Xiaocun, and Zhao Quan, all of whom are wealthy businessmen."
"Which prince or prince is standing behind you?" Zhu Zhanji pointed out the key point. To do such a big business in Yingtian Mansion, it is impossible to rely only on businessmen. There must be Xungui Group behind him.
Ma Xiang was embarrassed and hesitated to speak.
Zhu Zhanji's expression remained unchanged and he said softly: "Just say it. Don't worry, someone will tell me if you don't tell me."
Ma Xiang understood what Zhu Zhanji meant and said, "Go back to Your Highness Taisun. Rumor has it that he is the two princes of Han and Zhao."
Eyes narrowed slightly, Zhu Zhanji's thoughts and others did not dare to guess, but it is true that Jiangjia Bank can be so big with such a backstage.
The Crown Prince controlled the civil and military affairs of the entire dynasty, while the two kings of Han and Zhao had relatively deep penetration into the people. Zhu Gaochi was smart in that he never had a reason for people to catch him, but the king of Han and Zhao had a lot of them.
The backstage of Jiangjia Bank is not only the two kings of Han and Zhao, but also many people with titles. They need a place to store their assets, so the internal relationship is actually quite complicated.
Zhu Zhanzhen was more curious about how the person in charge operated such a complicated situation.
When he walked into the bank, there were many people queuing up, many of whom were borrowing money. Zhu Zhanzhen also saw the guards from the Security Department here.
In the past, banks were not allowed to have private soldiers. After all, they were private organizations, so they could only hire some local gangsters and scoundrels to hold the place. Now that they have the Security Department, they have gained the most, hiring more than 60 guards. Standing, that is called a majestic one.
Zhu Gaoxu and Zhu Zhanchen had not mentioned this matter at all. Of course, Zhu Zhanchen was not surprised. Is this like his second uncle, who uses public tools for private use?
According to his estimate of Zhu Gaoxu, the fee for leasing a guard to a bank must be quite high, even much higher than that of a noble family. The extra money would naturally go into his own pocket or the pocket of his confidants.
Those who are greedy are clear, and those who are corrupt are clear.
After walking around and looking around for a few times, there were more people coming to borrow money. Zhu Zhanzhen was a little surprised: "Why do so many people need to borrow money? The money from the bank comes back nine times, and the more you borrow, the more you have to pay back."
Ma Xiang explained: "Your Highness, ordinary people need a sum of money to build houses and do small businesses. If they can't raise it in a short time, they will borrow money. Those with stable income can still repay it."
Zhu Zhanji had never borrowed money before, so he didn't understand that a penny could stump a heroic man.
"Why don't you go to some small banks to borrow money? Instead, go to a big bank like this. If a big bank with a backing cannot pay back the money, I'm afraid it won't be easy."
Another blind spot of Zhu Zhanji’s knowledge.
"Your Highness Taisun, although the lending conditions of such big banks are relatively harsh, they are more expensive because they are formal and have stable interest rates. There will be no interest compounding. On the contrary, more and more people come here to borrow money. Small banks are not formal and their interest rates are high."
Roll profit and kill people."
Zhu Zhanji nodded after understanding. At the same time, he looked at the people coming and going and saw clearly the private demand for loans.
Zhu Zhanyi took advantage of this moment and said: "Brother, the country is developing. Whether it is treasure banknotes, silver, or food stamps, they will be more valuable when circulated. Low-interest loans can stimulate people to develop the economy, and buying seeds and fields can also
Well, it would be good to do some small business."
Zhu Zhanji finally agreed with Zhu Zhanzhen's opinion. Although he didn't like businessmen, as a future wise king, he could still understand the sufferings of the people.
"Talk to their shopkeeper." Zhu Zhanji lowered his posture.
After seeing a few people walking around in the hall, a man with an abacus came over and whispered: "Want to borrow a loan?"
Ma Xiang knew that he was here to do business at Jiangjia Bank, looking for people who didn't meet the bank's lending regulations but were in urgent need of money to lend them loans at interest rates much higher than the market rate.
Those who cannot borrow money can only become the blood-sucking tools of these black-hearted banks.
Just as Ma Xiang was about to exit and chase people away, Zhu Zhanji stretched out his hand and said, "Sir, we want to borrow money."
Looking at Zhu Zhanji's behavior, the man with the abacus walked away as if he were a fool, leaving Zhu Zhanji standing there dumbfounded.
"What...what's going on?" Zhu Zhanji was puzzled as to why the man just ignored him.
Ma Xiang explained: "Your Highness, your words really don't sound like someone who needs to borrow money."
“What kind of person does it look like who needs to borrow money?”
"Whether he is embarrassed or anxious or sad, His Highness is so calm and reasonable in his words. You can tell at a glance that he doesn't really want to borrow money."
Zhu Zhanji smiled bitterly. He really didn't think of this level. His grandson's life experience was still not enough.
Zhu Zhanzhen suggested: "Brother, please call your second uncle and ask him to take us directly to meet the owner of the bank."
However, the relationship between Zhu Zhanji and Zhu Gaoxu was not good. From the bottom of his heart, he disliked his second uncle and was unwilling to communicate more with him.
"Brother, since the second and third uncles are the backers of the largest bank in Yingtian Mansion, we are bound to have conflicts in our banking business. Conflicts will arise sooner or later. It is better to take precautions before starting to avoid unnecessary conflicts."
"We are promoting food stamps under the orders of the emperor, how dare they disobey the destiny?" Zhu Zhanji was already a little angry.
Zhu Zhanzhen shook his head: "Brother, they don't dare to disobey, but they secretly make some stumbling blocks and can't get the handle. We can only suffer without telling."
Seeing that Zhu Zhanji still didn't want to meet Zhu Gaoxu, Zhu Zhanzhen retreated and did the next best thing: "Brother, let's talk to our third uncle."
After thinking for a while: "Ma Xiang sent someone to find King Zhao."
