Deng Ping, the foreman of the guards, and several plainclothes guards, together with He Guangyi, surrounded Zhu Yunxi and left the Forbidden City through the axillary gate.
There are far fewer pedestrians on the streets in early winter than in summer, and they walk very fast in groups of twos and threes.
"There's something you don't know yet!" Zhu Yunxi was sitting in a one-horse carriage, leaning against the window and said to He Guangyi, who was following outside, "Xie Jinzhong is the one who brought Hongshu back. Because of his merits,
It was given to the earl."
He Guangyi was startled. His daughter, Xie Yan'er, had been taken advantage of by him, and she was still in his family now, with no status at all. Unexpectedly, in the blink of an eye, Xie Yan'er's father, Xie Jinzhong, became an earl.
"Actually, I can bring back the sweet potatoes, and you deserve the most credit, but due to your status, the matter of ennoblement must be considered in the long run!" Zhu Yunxi continued, "I received a letter from the Japanese country and all the required ordnance has been shipped. The Ministry of Industry should
The people who have been sent have also been sent. When there is a war over there in the future, you will be rewarded for your contribution to the Ming Dynasty in surveying the Yinshan Mountains and the flood of sweet potatoes!"
He Guangyi said hurriedly, "The emperor has given enough to the ministers. What kind of titles are there without titles..."
"Hey, don't you want your children and grandchildren in the future?" Zhu Yunxi smiled through the car window. He seemed to feel relieved because of the street scene. He held a handful of melon seeds and said with a smile, "It's better than nothing, right?"
At this moment, guard Deng Ping suddenly came over and whispered, "Master, the road ahead is blocked!"
Zhu Yunzheng was surprised. This street is the most prosperous and wide Chang'an Street in the Beijing Normal University. How can it block the road?
Stretching out his neck and looking out, the end of the sight was full of people's heads, and mixed with crying and scolding, countless people surrounded a few shops, and they were angry.
It seems that if it is not for the maintenance, I am afraid that it may not be smashed on the spot.
"What's wrong?" Zhu Yunzheng asked.
"I don't know." Deng Ping said, "Grandma, let's change the way, let people crash ..."
"Ask!"
Zhu Yunzheng said two words, and Deng Ping went to smoke.
Later, Zhu Yunzheng came out of the carriage and stood on the side of the road and looked around. There was no voice over there.
A person wearing a decent, like a shop manager, standing in front of the shop to do his hands, not begging.
"Everyone! Everyone!"
"I just encountered some difficult places recently, not not against it."
"Sheng Hengda is also a time -honored name in Beijing. He can't do something that does not keep your reputation. When the silver in Suzhou arrives, you will be fulfilled immediately!"
"List! Line! Hey, don't smash, don't smash!"
While the steward was talking, countless rotten vegetable leaves were thrown at the crowd, mixed with bricks and tiles. With the crackling sound, the doors and windows of the shop were damaged.
"You said that last month!"
"Oh, give the money quickly, take our silver to put the printed money, but now I can't get back and still obscure us!"
"This poor official stops us as Sheng Hengda, and do not give us the silver.
The sound is getting louder, and there are more and more people who look at the lively. In the blink of an eye, the water is not leaked in front of the shop.
In the noise, Deng Ping ran back quickly.
"Grandpa, this is the case!" Deng Ping asked clearly, saying, "In front of him, there is a money house called Sheng Hengda. Many merchants in Beijing have the cargo that exists him and handed over!"
Zhu Yunzheng thought about it, "I heard this name!"
The Daming Dynasty was prosperous, especially the Beijing Division gathered in businessmen in various places, and the official officials were expensive. The number of silver trading daily was large, so the money house came into being.
Nowadays, Qianzhuang has some prototypes of a bank. It not only provides savings and loans, but also mortgages, logistics, warehousing and other businesses, and even engages in real estate pawns.
The people who do this business are all very capable, and they also need to have an excellent reputation.
"Starting from last month, Sheng Hengda suddenly exchanged only one thousand silver dollars a day. By this month, there was not a single copper coin on the counter. The merchants who kept the silver here were anxious and started making trouble every day!"
"I heard that Sheng Hengda is a time-honored brand!" Zhu Yunxi thought about it, "Their gold tickets are hard currency. Why did it suddenly change like this? These people can't make any money if they make trouble here. Didn't they report it to the official?"
This kind of case is the most difficult to handle. The Ming Dynasty Law is very vague about private storage and lending. It just adheres to the method of handling debts and repaying money.
Deng Ping continued, "It is said that Sheng Hengda took out the money and loaned it out, but couldn't get it back. He has already reported it to the official, and Ying Tianfu also gave an explanation, asking Sheng Hengda to quickly raise the money." As he said that, he paused.
, "However, for such a huge amount, it probably won't last a day..."
"How much silver?" Zhu Yunzheng asked.
"800,000." Deng Ping said.
Even though Zhu Yunxi was the emperor, he was also shocked by this figure. Last year, the national commercial tax balance was only a small amount, but the money owed by one bank was as high as one-third of the national commercial tax balance.
At this time, He Guangyi said from the side, "You don't know something, this kind of bank is a very profitable business!" He said with a smile, "For example, Sheng Hengda, they have a good reputation and a lot of assets, and merchants can trust them.
Besides, if you deposit your money with them, you will get two cents of interest. But there is a time limit for depositing your money here, which can be as little as three months and as long as three years. If you don't withdraw the money before the time, you won't get even half of the interest."
Two points of profit, that is a lot.
One month is two hundred, 100,000 is two thousand.
"They turned around and loaned out the money deposited by others at an interest rate of 3/5 cents, making a net profit of 1/5 cents without doing anything." He Guangyi continued, "This is still with a mortgage. If there is no mortgage,
The money that is released is as high as four points! "
"If the borrower cannot repay the loan, then the interest will be rolled over and the interest rate will be increased..."
"What if someone refuses to pay back the debt?" Zhu Yunxi asked with a smile.
"He won't suffer a loss if he doesn't repay it!" He Guangyi continued, "For example, if you borrow 10,000 taels, the collateral must exceed 10,000 taels. If you don't repay the money, you will be in a pinch and take the collateral, or if the property or land is not
It’s just cargo, etc.”
"No matter what, this bank does not suffer losses, it only makes more profits."
"Not only loans, but also advances for goods. Over the years, Sheng Heng has made a lot of money!"
Zhu Yunxi suddenly asked, "How do you know so clearly?"
"In the year when I was promoted to the commander of the Jinyi Guards, Sheng Hengda's second cabinet, I don't know who found the door, and found three thousand silver notes at my door." He Guangyi did not hide it, "But I didn't take any money.
, return it intact."
After saying that, he paused and said, "It is said that behind Sheng Hengda are eight shareholders, Shanxi Baochang, Suzhou Tongda..."
"Are you afraid that there are people from officials?" Zhu Yunzheng laughed.
"This ... the minister dare not say arrogantly!"
Zhu Yunxi looked over there again, "How could such a big deal go wrong so easily?" He said, pondering for a moment, "The most important thing for them to do business is credibility. If something like this happens, a hundred years of reputation will be ruined. Who will do it in the future?"
Dare to deal with them? "
"Besides, it has made so much money over the years, so it shouldn't have not prepared any money to cross the river. It's abnormal!"
"Grandpa, you do n’t know. These businessmen are the most greedy. The sale of a penny dares to shout 10,000 to do it. As the saying goes, there will always be a ghost when you go more at night." He Guangyi laughed.
Some colleagues are adding insult to injury and trying to squeeze them out right now!"
Zhu Yunxi listened and couldn't help but look over there a few more times.
Because he suddenly thought of something, to be precise, it could prevent the military from deducting military pay.
But this is too big, it is really cautious and think twice.
At this time, a huge noise broke out suddenly.
"Smash! Smash!"
Bang, I do n’t know how many people broke through the bad service of maintaining order. Rushing into Sheng Hengda was a smashing, and a few guys inside were immediately drowned by crowds.
"Grandpa, avoid!" Deng Ping said anxiously.
The so -called gentleman did not stand down the wall, Zhu Yunzheng got on the carriage, and turned to He Guangyi, "You find out, tell me back!"