The next day, five Xinghe Banks in Zunhua, Tianjin, and Beijing all put up signs offering to exchange gold at high prices. Three days later, Xinghe Banks in Yangzhou and Nanjing also started exchanges. Five days later, Xinghe Banks in Guangzhou
Exchange has also started.
The Beijing-Tianjin area relied on fast horses to deliver news.
Nanjing, Yangzhou and Guangzhou relied on clipper ships to transmit messages by sea.
After the flying shear ship was opened, Yang Fan had actually controlled the channel through which information could be obtained most quickly.
Normally, it takes a month for news and letters from Guangzhou to reach the capital. Even if it is 800 miles expedited, it is the speed of a clipper ship.
But expedited services of 400 miles are rarely used, let alone 600 miles and 800 miles. The cost of transmitting messages at such a high speed is astonishing.
With the opening of the clipper ship, Yang Fan is already planning to launch passenger transportation and postal services.
In this way, areas along the Yangtze River and coastal areas have entered a rapid communication circle. Personnel, logistics and letter services are a big piece of cake.
You can definitely make a lot of money.
There is currently only one clipper ship in use.
But there are already six 150-ton clipper ships under construction in the dock. The Star is only 80 tons, and the displacement of the new ship has doubled to 160 tons.
According to the standards of the Ming Dynasty, there were a thousand material ships. The docks were fully loaded. Yang Fan urgently needed to build a fleet.
One morning, by the Qinhuai River in Nanjing City.
A lot of customers came to Xinghe Bank as soon as it opened.
Because Xinghe Bank has opened an exchange business, you can use money orders to deposit and redeem between Zunhua, Beijing, Tianjin, Yangzhou, Nanjing and Guangzhou.
It greatly facilitates merchants to carry funds.
This era is not peaceful, and it is very dangerous to carry thousands of taels of silver.
In the past two years of the Ming Dynasty, hungry people were everywhere, bandits were rampant, and pirates were rampant. There were few roads to peace.
The army and government officials were even more like wolves and tigers. The postmen at the post station took off their official uniforms at night, who knew whether they were humans or ghosts. After all, they hadn't been paid for half a year.
If you don't go out and get some, how will the whole family survive?
Xinghe Bank's money does not travel by land at all, it is all transported by sea by clipper ship. The bandits and horse bandits on land, the tax collectors and officials can only stare in disbelief.
You can't even catch a single hair.
If you are able, you can swim and catch up. If you catch up, I will pay the tax.
The pirates were so angry that they couldn't rob even if they didn't pay the protection fee.
Because you can't catch up. Even rowing and sailing, even if you are tired of vomiting blood, can't catch up.
In fact, even if you catch up with them, you won't be able to defeat them. The Franco cannons and flintlock guns on the clipper ship will definitely beat the shit out of them.
What's more, the ship is surrounded by barbed wire and equipped with grenades to prevent gang jumping.
If they really catch up, they will only get worse.
Nine times out of ten, they either went to the sea to feed the fish, or they were caught and taken to the base on Jeju Island. Once they had gathered 500 people, they were sent to Diaoyutai Island to dig up guano.
Now, spring plowing has begun on Yang Fan's land. With good seeds and land, fertilizer is indispensable. If there is no chemical fertilizer, bird droppings are the best choice.
Xinghe Bank is different from other banks. When you deposit money here, not only does it not charge storage fees, but it also returns interest.
This is a strange thing that has been seen for a long time.
Although the current interest rate is only one-thirty-thousandth per day, which is about 1.2% per year. But no matter how small a fly is, it is still flesh.
There is no need to pay storage fees, plus interest, it is still a sum of money inside and outside.
The most important thing is safety. As long as you carry an acceptance bill, you can leave. When you are thousands of miles away, you can directly withdraw cash from Xinghe Bank there. What a great thing.
If you hire an escort to escort the silver car, it will be very expensive and very dangerous. After all, the escort cannot really defeat the big gangsters.
I heard that not only money can take that kind of express boat, but passenger transport will be launched in the future, and people can also take that kind of express boat. It takes one and a half days to get to Tanggu and Beitangkou from Nanjing, and another half day to the capital.
How convenient is this? It would take a month to get to Tongzhou by boat on the Grand Canal.
"Good morning, Shopkeeper Yang," a businessman said to another businessman.
"Hey, boss Huang, hello," another businessman said in return.
"Are you here to send money again?"
"Yes, my brother is studying in the Imperial College in Beijing, and he has to remit three hundred taels of silver every month. He can make some useful connections there and do business better, haha."
In Boss Huang's family, only his second brother is good at studying and has already entered the Imperial College. His family is counting on his second brother to pass the imperial examination for high school so as to protect their business.
After all, in the land of Ming Dynasty, without the protection of power, wealth will never exceed three generations.
"Hey, what is that?"
"Our store will exchange silver for gold from now on, at a rate of 7.5 to 1, until enough is exchanged."
Suddenly many people took a breath of air-conditioning.
Although silver has depreciated somewhat now, it has not reached this price.
Over in the capital, you might be able to exchange it for seven or a little more. That's because it's more convenient for the rich and powerful in the capital to use gold to exchange their funds.
But the south is different. The further south you go, the more silver is taken up through overseas smuggling trade. The currency tightening in the market is a chronic disease of the precious metal standard.
Because the quantity of precious metals is limited, once the commodity economy is highly developed, it will cause a shortage of money. This will cause deflation and hit the economy.
This is also the reason why later countries abandoned the gold standard and used banknotes. After all, banknotes can be supplied in unlimited quantities.
The more developed the commodity economy and foreign trade, the more expensive the silver price.
Normally the price here in Nanjing only fluctuates between 6:1 and 6.5:1. The current market price is only about 6.7:1.
If it's Quanzhou and Yuegang (under Zhangzhou) in Fujian, I'm afraid it's only about 5 to 1 to 5.5 to 1 in Xiamen. Because there is not enough silver on the market. The profits from overseas trade are much greater than the price of silver. As a result, silver
Price rises.
However, the underdeveloped commodity economy in the mainland has caused inflation and the slow depreciation of silver due to the inflow of overseas silver. It can only be said that economics is a very complicated subject.
Gold cannot be directly used for commodity transactions. In many cases, it still needs to be exchanged for silver before trading.
This chapter is not over yet, please click on the next page to continue reading! Because in the early Ming Dynasty, private gold and silver transactions were prohibited, and only copper coins and banknotes were allowed.
Later, with the large inflow of silver, the ban on silver was lifted and began to be used as currency. However, the ban on gold was never lifted. For two thousand years, the currency status of gold was officially canceled in the Ming Dynasty.
Gold is not as liquid as silver for various reasons, but its storage and value preservation properties are better. Therefore, most of them are hoarded, while silver is circulated repeatedly.
Now that Xinghe Bank actually offered such a high price, hundreds of bosses in the hall who came to handle business were all shocked.
If you have gold in your hand, immediately go forward and ask the clerk at the counter. After you find out that the purchase amount is very large, you immediately run home to dig out the gold stored in your home. This is a good business to make money by changing hands. Wait for this
After the gust of wind has passed and the price of gold has fallen, it will be better to eat back.
If you don’t have gold in hand, you can also sign a contract with a bank, use your deposit as collateral, agree on a futures price, and deliver the agreed gold within a time limit.
In this way, you can go to other places to purchase gold and then come back to deliver it.
This is a way to make quick money.
It only takes one day to go to Changzhou to buy one hundred taels of gold. One tael is worth eight taels of silver, and one hundred taels is eighty taels.
You can earn 80 taels of silver in one round trip. This is a huge profit. You can earn 2,400 taels in a month.
After the accounts were settled, everyone went crazy.
After the news spread, these people stopped doing their original business, signed gold futures contracts with Xinghe Bank, and went out to buy gold.
If they raise three cents of silver in another place, they will definitely receive gold, and if they change hands, they will earn five cents of silver.
Let alone one tael of gold and five cents of silver, there are countless people who can earn just one cent of silver.
Because the turnover is too fast.
If you set up a stall to collect gold in the city, you can go back and forth several times a day. You can also turn over once a day in the nearby county. You can also turn over once every three to five days in the farther away.
At this time, there was also a sensation in Zunhua, Beijing, and Tianjin.
Vendors are everywhere buying gold. Although the profits at each level are much thinner with the acquisitions, the footprints of these small traders are quickly spreading across urban and rural areas.
Soon everyone knew that the price of gold was going to rise. They quickly sold it and exchanged it for silver, and then bought it back when it fell. From historical experience, the price of gold is extremely stable, and this short-term violent rise will not last.
Village women in rural areas even sold small pieces of jewelry such as gold earrings. Nowadays, gold is very popular. No matter how big or small, as long as it is gold, someone will buy it.
Chen Xiaohu is a salesman.
Every day he went to the countryside on a heavy load, selling oil, salt, soy sauce, vinegar, tea, needles and thread, calico heads, small scissors, etc. They were all groceries commonly used in people's daily lives.
The salesmen in the county town had not left the city that day when they were suddenly stopped by the owner of Yixingtang Pharmacy. They usually sell cooling oils, marching pills, etc. made in the pharmacy.
The salesmen and pharmacies are also familiar.
"Everyone, I have a good deal for you all."
Seeing everyone looking at him with confusion, Boss Bai continued: "Everyone knows that in Nanjing, one tael of gold is exchanged for six and a half taels of silver. I will give you six taels and eight cents of silver. When you get to the countryside, you can just let go of collecting gold.
, Big or small doesn’t matter, we all need it. As long as it’s gold, don’t worry about earrings, rings, etc. I need them all.”
The buzz among the salesmen suddenly exploded. Being a salesman could not earn more than three cents a month, and it was very hard. He carried a load and walked thirty or forty miles a day.
If the villagers were given a penny as profit, many people would be tempted to sell the gold.
If you can exchange for half a tael of gold in a day, you will have a net profit of five cents of silver. If you can exchange for one tael of gold, you will have a net profit of one penny of silver.
It's so exciting to have one turnover a day and make so much profit in one go.
In the Ming Dynasty, one pound was 600 grams, and the system was sixteen taels. One tael was about 37.5 grams. You could make up one tael of gold with just a few pieces of jewelry.
It’s really not that difficult for the salesman.
"Boss Bai, this is a good business, but we are operating on a small scale and have no capital."
"Yes, we have to exchange silver for gold, but we only have copper coins."
Boss Bai wiped his face depressedly. These people are really not smart enough and said: "Isn't your goods just money? You can use gold jewelry to buy your goods. Isn't this the same? They also have to use copper coins.
Came to buy it.”
"Yes, that's what it looks like."
"That's right, why didn't I think of that?"
"Oh, no wonder their business is so big. I am the life of the salesman. It's so irritating that people are so different from each other."
So countless salesmen rushed to rural villages and towns.
When they came back, they found that there was no need to go to Boss Bai to deliver the goods, because there were countless businessmen waiting to buy them at the city gate.
One price is higher than the other.
A few days later, they discovered to their heart's content that they could go to Xinghe Bank to deliver the goods themselves. There, they would actually be given eight more silver coins for one tael of gold.
As an arsonist, Yang Fan had no idea how big the trend he had caused would be.
A large amount of gold began to flow from the inland to these eight Xinghe Banks through merchants at all levels.
In ten days, the capital alone purchased one hundred tons of gold, a total of more than 2.66 million taels.
Yang Fan almost dropped his jaw in shock. He knew how corrupt officials in the Ming Dynasty were, but he didn't expect that they would hide so much gold in the capital.
Yang Fan is not afraid of the abundance of gold. There is no shortage of silver in modern society. China exports 10,000 tons of silver for industrial use every year. He can buy as much as he wants.
Xiao Niangpi and Lin Yueru were somewhat dissatisfied. They knew the virtues of civil servants very well. There were many civil servants who were tortured, forced to confess, and had their homes confiscated by Xiao Niangpi and Lin Yueru.
Xiao Niangpi saw that Yang Fan had such a love for gold and couldn't help but said: "Master, do you want to do a business without capital? There is a place where much more gold is hidden than here, but we can't
Let people know that this is what we did.”
Yang Fan couldn't react, and there was such a good thing.
Lin Yueru took a deep look at Tu Shanyue. Tu Shanyue was so devoted to the master that she dared to do this kind of desperate plan for him.
No wonder the master was so kind to her, and she could never compare to him.
If this matter is leaked, the civil servant group will go crazy, and the emperor will not be able to handle it.
Seeing that Yang Fan didn't understand what was going on, Lin Yueru sighed, grabbed Yang Fan's hand, and wrote a few words on Yang Fan's palm with his green jade fingers.
Lin Yueru knew that if she married a chicken and followed the chicken, married a dog and followed the dog, it was no longer possible for her to stay out of the matter.
In this case, why let Tu Shanyue gain the master's favor by herself?
Besides, the civil servants made her adoptive father like a lost dog and fled to barbarian lands. How could he make them feel better?
Today I will use my husband's hands to give them a slap in the face.
Let them collectively feel the pain in their hearts and lungs.
Let them know that eunuchs are not easy to mess with. They know where they will be hit and it will hurt you the most.
Yang Fan felt that Lin Yueru's finger was writing six words.
"Zhangjiawan, Li Sancai"
The corners of Yang Fan's mouth turned up. It was him. How could he forget about him? This old dog made a lot of money. Speaking of which, I admire him quite a lot. Most people can't make money as fast as him even if they use a rake.
Block. It was famous in the Ming Dynasty.
If this was done, all the civil servants would probably go crazy.
