The long convoy of carriages crossed a wooden bridge over a small river in the city and entered the industrial zone in the northeast corner of Zunhua City.
When the big shopkeeper Hu Quan heard that Wang Gonggong was coming, he hurriedly brought his stewards out to see him.
In this era, the most favored eunuch around the emperor can scare ordinary people to death.
Hu Quan quickly welcomed Wang Chengen and his entourage into the VIP room. He asked the waiter to serve the best Keemun black tea. Drinking black tea in winter will warm your belly.
Wang Chengen sat on the Imperial Master's chair, using a blue and white porcelain bowl, and took a sip of the fine black tea. He nodded with satisfaction and said, "Shopkeeper Hu, the tea here is really authentic. Our family hasn't had such a good drink in more than half a year.
Good black tea.”
"Old man, what are you talking about? You have been serving His Majesty all the time. You have never seen any good things. The real good things must come from the palace." Hu Quan said with compliments.
"Alas, there is no need to go back to the past. The imperial court is in financial difficulty and various expenses have been severely reduced. I haven't drank this black tea for a long time."
Hu Quan quickly called the second shopkeeper, prepared a portion for the prince, and went back to drink as a courtesy to the prince.
"My father-in-law, you are by His Majesty's side, but you cannot leave him for a moment. In the midst of your busy schedule, you took the time to come to the shop, but what can I do for you?" Hu Quan asked tentatively.
Last night, the whole city of Zunhua was in chaos. Fires broke out everywhere, and people were fighting and fighting everywhere. No one knew what happened. This morning, I heard that rebels had surrounded me, which made people panic.
Last night, many rioters tried to cross the river and enter the industrial area. They were immediately counterattacked by the security team.
As a civilian force, the security forces are only equipped with fire gate guns. According to the laws of the Ming Dynasty, only fire gate guns can be legally possessed by the private sector. They only have fire gate guns with long barrels made of seamless steel pipes.
Even if this was not enough, it was enough to deal with the rebel soldiers in the Beijing camp. They relied on trenches, rivers, barbed wire fences, and high walls to defeat many groups of rebel soldiers who tried to cross the river.
These rebels were unorganized, very loose, and their combat effectiveness was very low. Basically, they would flee after more than ten people were killed by muskets.
The security team was very surprised. Isn't Jingying an elite force? How could they be so vulnerable and run away with less than 1% loss?
There was chaos yesterday. The private soldiers of various wealthy businessmen, industrial and mining owners in the city fought with the rebels all night long. The rebels only robbed some shops and civilians. None of the big mansions were captured. Most of the banks and pawnshops were not captured.
At dawn today, the city's big households, workshop owners, and rich men all fled to the industrial zone for refuge. Wei Bancheng's family is a major family in the steel industry, and he brought these people here, so the industrial zone could not refuse.
After all, the relationship between father, son and the master is very special.
Unexpectedly, even Wang Chengen came this morning. Hu Quan couldn't help but wonder, could it be that His Majesty also wanted to take refuge? What should we do? Could it be that the situation was completely out of control?
"This time I came to see you, I really went to the Three Treasures Palace for nothing." Wang Chengen said with a smile.
"Your Majesty, if you have something to do, just give me your orders."
"Let me ask you, is it true that your Xinghe Bank has universal deposits and redemptions in the eighteen provinces of the Ming Dynasty?"
"Of course it's true. What we run as a bank is credit. Any bank in Ming Dynasty will do."
Wang Chengen stood up with satisfaction. In this case, his errand would be fine. He immediately felt relieved. The errand entrusted to him by His Majesty could not make any mistakes.
"This is a deposit certificate for three million taels that our family deposited at Xinghe Bank in Beijing. There are three hundred certificates in total, each of which is ten thousand taels. I want to take them all out within an hour." Wang Chengen said, holding a stack of deposit certificates.
"Ah! Take it all!" Hu Quan was shocked. He had never experienced such a large amount of withdrawal. To be honest, although he was a big shopkeeper, he didn't know whether there was so much money in Zunhua.
end.
Hearing his hesitation, Wang Chengen immediately changed his color and said, "Why, can't you take it out?"
Hu Quan immediately said: "If you can get it, please sit down and drink tea first. I will go to the bank to transfer it."
He dares to say that he can't withdraw it, or he doesn't know whether there is enough silver in the warehouse. If the bank has a problem of being unable to pay, it will immediately trigger a run. How can he not know the seriousness of it?
Zunhua has become increasingly prosperous in recent years, with shops, factories and mines blooming everywhere. The amount of money deposited is astonishing. But the amount of money loaned out is also an astronomical figure. Maybe it is really impossible to get out three million taels.
Hu Quan immediately went to the underground bank. When he checked the results, he was immediately stunned. There was only about 500,000 silver in cash and 5,000 taels of gold. The gold was exchanged according to Yang Fan's arrangement. It had to be delivered to Xincheng at the end of every month.
It's from the treasury. I haven't had time to redeem it yet.
According to the exchange price of seven to one, five thousand taels of gold is worth more than thirty thousand taels. It is far different from three million. Suddenly, he was so anxious that he was sweating white.
Yang Fan left the bank alone and didn't care about the actual operation of the bank. In his view, the financial industry was about controlling people through strict rules and regulations. If no one could do anything, safety could be guaranteed.
Those who supervise the system only focus on procedures and irregularities and are not responsible for operations.
Therefore, the loan-to-deposit ratio is basically decided at the monthly meeting of Xinghe Bank. They are all flexibly adjusted. In order to make more profits, they will generally lend as much as possible. After all, the money is in the account and interest has to be paid to the depositors.
.The losses inside and outside are not small.
However, who would have thought that Wang Chengen would not withdraw money in the capital, but came to Zunhua to withdraw the money. He had to withdraw three million in one go. For this amount, if the capital often handles exchanges between ministries, he would still be prepared. But
It is impossible for Zunhua to prepare so much cash.
However, if you can't bring it up today, your sign will be ruined.
Hu Quan kept wiping his sweat. His mind was spinning rapidly, thinking of ways.
In the end, we had no choice but to deal with the situation. It was too late to find other banks, pawnshops, and big players to dismantle it. It was impossible to do it in an hour.
He had only one option, go directly to Xinghe Academy to find Miss Yaoguang.
This chapter is not over yet, please click on the next page to continue reading! Yao Guang was very surprised as to why the people from the bank came to find her.
"Girl, I really have no choice. If I can't pay the money, the sign will be destroyed."
Yaoguang thought for a while and said: "The master does have a sum of money deposited with me, but I can't make the decision. I need to ask for instructions. Please wait a moment."
In order to cover military and railway expenditures, Yang Fan purchases a large amount of industrial silver from Hyundai every year. Last year, he purchased 3,000 tons, and this year he purchased another 2,000 tons.
Modern silver is very cheap. It has increased a lot this year, but it only costs about 5.8 yuan per gram. One ton of silver is equivalent to about 30,000 taels of Ming Dynasty silver.
All this industrial silver has been pressed into silver coins. One or two coins.
Soon, Yang Fan replied and agreed to pay.
Yao Guang came back, looked at the anxious Hu Quan and said: "The master agreed to temporarily provide liquid lending funds of five million yuan in silver coins to Zunhua Branch for a period of six months. The deposit interest rate will be settled according to the benchmark interest rate. But this time
What happened was not in compliance with the regulations and will not be repeated in the future.”
Hu Quan felt like he was being pardoned and nodded repeatedly. The interest rate was very cost-effective. The master finally gave his support.
The overnight lending rates of him and other banks are very high. The remaining two million taels, the income generated in six months, is enough to wipe out the deficit, and there will still be a lot of surplus.
Of course, this is an internal transaction between the fraternal units under the Yang Mansion. Otherwise, it would be impossible to obtain such huge funds at such a low price.
Wang Chengen anxiously took out his pocket watch from time to time to check the time. In the last few minutes, Hu Quan finally came back.
"My lord, please wait for a long time. Three million silver coins are ready and can be loaded into the car at any time. They are all pure silver coins with three nines. Please sign the receipt document and you can withdraw the money."
