Chapter 1328 Nanyang Wind and Rain - Borrowing Money to Fight
"It is with them that I can suppress the local Buddhist forces. If I deal with them, how can I suppress the local monks? The local monks are more harmful to me. I can only tolerate them." Zhu Gaoxu felt helpless.
said.
If he could not pay back the money, he would definitely not pay it back. Most feudal rulers regarded businessmen as fat sheep. If they grew up, they would shed the wool, and he was no exception; but the Guangdong Buddhist Association was related to his suppression of local monks.
He had no choice but to pay back the money. However, the Buddhist Association did not dare to offend a prince like him. If he lost the fight, it would be fine if he owed it first.
"But you and Xian Yao, how did you two come up with the idea of borrowing money from the bank to fight the war?" Zhu Mo asked again. He was very curious about this.
"It's a long story."
It turned out that after Zhu Gaoxu learned that civil strife was about to break out in Majapahit, he had to raise military expenditures and prepare to send out troops. When a large army goes on an expedition, it needs to prepare food in advance, and the ordnance must be inspected and replaced with new ones. However, although he still has food on hand, he does not have enough money.
There is no money to replace the soldiers with new weapons. It is not impossible to fight with the old weapons, but if the local monks and wealthy families know about it and think that their strength is weak, many troubles may occur.
Zhu Gaoxu thought about it and decided to borrow money from Zhu Zanyi to fight the war and exchange weapons. Although Annan was not as wealthy as the Central Plains, Zhu Zanyi had destroyed many wealthy families who did not obey orders when they fought here a few years ago, and he got a lot of money.
Money. Although Annan is constantly fighting and fighting, there is no large-scale war, so there should be a lot of money. A batch of local specialties happened to be sent to the Baoan Shipping Department for sale, so Zhu Gaoxu asked the Navy to escort him to Baoan.
.
However, his request to borrow money was rejected by Zhu Zanyi. He sent someone to chat with the envoy before the meeting. He learned that Zhu Gaoxu borrowed the money to send troops to attack Majapahit, and he immediately thought about sending troops to join the war; but he
To send troops to fight, they also had to prepare military rations and ordnance, so there was not much money to lend to Zhu Gaoxu. Moreover, Zhu Zanyi was afraid that Zhu Gaoxu would not pay back the money in case of defeat, so he only agreed to a small amount, which was not enough.
The envoy failed to persuade him several times, so he had no choice but to leave Hanoi with the fleet and go to Bao'an.
The merchants who went to Bao'an City to do business also knew the purpose of the envoy's trip to Vietnam, so they treated the matter as an anecdote and told others about it. Originally, it was nothing, and everyone forgot about it, but they didn't expect that this matter would be spread at that time.
It just happened to be in the ears of Xiao Zhuo of Baoan Shipping Department.
Because treasure banknotes are easy to carry and not easy to lose, merchants in the shipping department, regardless of their own country, have a lot of treasure banknotes in their hands. They are also one of the main users of treasure banknotes. Yunxi was afraid that he could exchange treasure banknotes with them.
After the gold coins were exchanged, merchants from the Shipping Department began to exchange them, so they sent people to the two shipping companies in advance to communicate with the merchants and let them believe in the credibility of the treasure notes and not to exchange the treasure notes for gold coins. Xiao Zhuo once worked as a maritime merchant at sea, and later
I also do business in the Shanghai Shipping Department, and I know a lot of businessmen, who are just right for this job.
Xiao Zhuo himself was willing to do it. Although this matter was very difficult, if it was done, His Majesty would value him more, so he went to two shipping companies soon after Xiao Yong got married.
After repeated dissuasion and some promises, he finally got most of the businessmen to agree not to exchange the treasure notes on hand for gold coins. He felt relieved and took his servants to go shopping in the store, planning to buy some.
Ming Dynasty brought uncommon jewelry back to his son to give to the princess, and heard about it.
Xiao Zhuo was moved at that time, and immediately left Shibosi with his entourage, went to Monk Yu Jian, the abbot of Liurong Temple, one of the directors of the Guangdong Buddhist Association, told him about the matter, and said: "Master Yu Jian, I think it is better for you to
The Liuhe Bank established by the temple lent this money to His Highness King Su. I have estimated that Liuhe Bank will definitely be able to come up with such a sum of money."
The other party was also an expert, so Yu Jian did not tell lies and said truthfully: "Mr. Xiao, the Liuhe Bank of Bisi can naturally get this money, but why do you want to lend the money to King Su? You also said,
This money was lent to King Su to use for the war. If he wins, it will be fine, but if he loses, how many years will it take to repay the money?"
"And the interest rate on lending money to the government is never high. The annual interest rate is usually only two-quarters, which is far inferior to lending money to private individuals. Why should I lend money to King Su?"
"Master Yu Jian, you are right. If His Highness King Su is defeated, the money will probably be in arrears for many years. The interest rate for lending the money to him is not high. But Master, Liuhe Bank is currently lending all the money saved by its depositors.
Out? A lot of money is sitting in the bank and cannot be borrowed. In that case, why not lend it to His Highness King Su? Even if the interest is lower, it is still interest, which is better than just sitting there. And His Highness King Su has been there for many years.
We have never lost a battle in Nanyang, so we have a greater chance of winning this battle, so don’t worry about not being able to get it back." Xiao Zhuo said calmly.
His words hit Yu Jian's weak point. In this era, most people's view is that they won't borrow money if they can't. There are very few people who borrow money in the city. As a temple, they have to have some face and care about their reputation.
, you cannot lend money to gamblers and wait for the money to be repaid by collecting money from your wife and children to pay off the debt. In this way, you can release less money. The deposit reserve ratio is above 80%, and the main profit still comes from handling fees.
And for other business turnover purposes at home.
Yu Jian thought about it carefully and felt that Xiao Zhuo's words made sense, but he became even more confused: "Mr. Xiao, your words are good, but you are not related to His Highness Prince Su, so why did you interfere in this matter? His Highness Prince Su's
The envoy would never have predicted in advance that you would be in Bao'an at this time, so please ask in advance."
"Well, if this matter comes to pass, it will certainly be good for me. But don't ask for details. You will naturally know after reading the newspaper in two months." Xiao Zhuo said.
What he was talking about was, of course, the establishment of a bank head office. He had heard Yunxi talk about it before leaving Beijing. He did not know at the time that he could become the general secretary, but banks and pawnshops across the country would be under the bank head office.
He must be able to take care of it. If he wants the head office in Beijing to collect more money from the local government, he must let the bank make more money, so of course he must actively promote this loan. Although this loan is not a big deal, it is
Xiao Zhuo saw the broad prospects. If this operation goes well, in the future, the vassal kings of Nanyang and even the country will borrow money from the Daming Bank to fight wars. How big a profit will this be? How many people like them in the head office can make
How much does it cost?
After repeated consideration, Yu Jian finally agreed to lend money to Zhu Gaoxu for the war. (To be continued)