I really don't want to be emperor at the end of Ming Dynasty

Chapter 133
Chapter 132

Although it has been more than three months since the bank was established, in fact, there are not many people who have dealt with the bank in southern Liaoning and even in the whole world.

Mrs. Zhang and Chen took one of her servants with her. A woman is a woman. In the big environment of the late Ming Dynasty, there were still too many inconveniences.Zhang Chen's maid is Hao Wuniang, and her maiden name is Yanzhi.She is a ruthless character with a life in hand.

Hao Wuniang was originally the fifth daughter of Hao Huandong, the commander of the Laizhou Guard, who was married to Gan Yanshou, the commander of the Weihai Guard.

This Gan Yanshou will be a complete scumbag in future generations.After marriage, Hao Wuniang would be beaten and kicked for the slightest disappointment. Hao Wuniang accepted it, but the problem is that this Gan Yanshou is too scumbag. In order to get promoted and get rich, he gave his wife to his immediate boss, Zhou Kui .

This pervert Zhou Kui is good at playing, he doesn't like ordinary prostitutes, and he doesn't like big girls with yellow flowers, so he just learns from Cao Cao and is a good wife.Hao Wuniang, who had just married Gan Yanshou as his wife, became his target.He used some tricks on Gan Yanshou, and Gan Yanshou understood.

In order to force Hao Wuniang to obey, Gan Yanshou personally drunk Hao Wuniang with wine, but Gan Yanshou didn't know his wife well. Hao Wuniang had a lot of wine since she was a child, and that little wine was just for her to rinse her mouth.

At this moment, Hao Wuniang broke out. It was night. With a silver makeup knife, she killed Weihaiwei Commander Zhou Kui, four of his soldiers, husband Gan Yanshou, elder brother Gan Yannian, and Gan's family servants, a total of 11 people.After killing these 11 people, Hao Wuniang was rescued by Feng Sanniang in order not to cause trouble for her natal family.Later, she found out that she was two months pregnant.

In this way, she followed Feng Sanniang and gave birth to her own daughter. When Feng Sanniang came to Liaonan pretending to be Mrs. Cheng, she also followed Feng Sanniang and pretended to be Feng Sanniang's servant.

But the problem is that Feng Sanniang is a fake wife. Although she can eat and drink in the backyard of Ning Haijun's mansion, the problem is that Cheng Shijie didn't give Feng Sanniang living expenses, and Hao Wuniang naturally has no money. Maybe she has experienced too much grievance. After giving birth to her daughter, Hao Wuniang had no milk. In order to make a living, she had to become Zhang Chen's bodyguard.

Before coming to this three-storey concrete building, Hao Wuniang was dumbfounded. As the most honorable person in southern Liaoning, Cheng Shijie lived in Cheng Shijie's house for more than two months, so Hao Wuniang had seen a lot.She never thought that compared with this bank, Ning Haijun's military mansion is like a beggar comparing to a dragon king.

There is absolutely no comparison.

At the main entrance of the bank, there is a huge square, with two rows of carriage parking areas that can park more than 100 vehicles at the same time, and two rooms that can temporarily rest with the entourage of rich people. There are sofas with backrests in the rooms. Even in Cheng Shijie's military mansion, it's rare.

In particular, the outer wall of the three-story building was covered with a layer of golden bricks, each piece was yellow and as hard as iron, and when thrown on the ground, there was a sound of metal clashing. Golden light, extremely gorgeous.

Entering the lobby of the bank, the floor is also covered with gold bricks, which is extremely flat. There are silver-plated chandeliers hanging on the ceiling, like lotus flowers blooming in full bloom. The silver light flows and is dazzling. These handicrafts alone are worth a lot .

By the way, there is a fireplace installed inside, and when a fire is lit, it will be warm inside no matter how cold it is, even warmer than hiding in a kang.Now there is no need to burn the fireplace, but the candles on the ceiling are still burning in broad daylight.Even in such a large lobby, it doesn't look dark at all.

Inside stood a row of bank staff in long gowns and scarves. In the Ming Dynasty, there were strict regulations on what kind of clothes people of what class should wear.

Mrs. Zhang and Chen nodded secretly. This Liaodong Bank is strong enough, and there are actually more than 100 scholars serving here.

As far as scholars are concerned, these scholars are different from those in Jiangnan, but they are indeed qualified to wear Confucian shirts because they have worshiped the two saints of Confucius and Mencius and read the books of sages.

"Dear madam, how can I help you!"

Zhang Chen nodded: "I want to borrow money!"

Before borrowing money, Mrs. Zhang Chen had inquired about Liaodong Bank, which was formerly known as Liaonan Bank. Commander in Chief, Cheng Shijie, who controls the Dongjiang Army.

Sure enough, in Zhang Chen's mind, only Cheng Shijie would be so kind to the people. If you have spare money in your hands, you will not be charged, but you can also get interest. If you are tight, you can also borrow money from here, and the interest rate is quite low. It is much more fair than looking for landlords or underground banks and pawnshops for usurious loans like rolling donkeys.

Since there were not many people in the lending area, Mrs. Zhang and Chen soon came to the counter.

When he came to the counter, Zhang Chen was slightly taken aback.

Because the shopkeeper sitting in front of the counter (in fact, it should be a loan officer) is actually a woman. Although this woman is wearing a scarf and the same Confucian shirt as the scholars outside, she has a confident and gentle smile on her face. "Ma'am, what can I do for you?"

"I want a loan!"

"First of all, let me introduce to you the lending rules in our bank. We need a pledge. Do you have anything to pledge?"

"I have!"

Zhang Chen took out the house deed, store deed and land deed that had been prepared.

The loan officer respectfully took over the three contracts. As a loan officer, they did not need to make an evaluation, but handed it over to a special evaluator.

Because these contracts of theirs, no matter sooner or later, belonged to the original Military Affairs Administration and belonged to one family, that is to say, even after the establishment of the management committee, it took over this mess.

They can easily get the number of the original file from the management committee, which is a [-]-digit number, which is the same as the ID number of later generations. The ID number is a regular combination of numbers, while the number of house deeds and land deeds is a regular number. Yes, it is not easy to crack.It is very easy to check the authenticity through the digital number of the house deed, which is one certificate and one number.

Time passed quickly, and the professional appraiser quickly gave the pledge reference value of Zhang Chen's assets. The most valuable property of Zhang Chen's property is actually her shop, because of its good business prospects, good location, and good operating conditions. The appraiser gave an appraisal of 2000 taels of silver, 160 taels of silver for the real estate, and 800 taels of [-] mu of land.

Although the wasteland in southern Liaoning is worthless, there are very few lands in private hands. The soldiers of the Ning Navy can be divided into more than [-] military positions, and only martyrs and military merits can be obtained.Even though Cheng Shijie's original intention was one tael of silver per mu of land, in fact, no one is willing to sell the land in southern Liaoning for eight taels of silver.

The reference value of this land price is the value of the land sold by the Southern Liaoning Management Committee to private factories. This is industrial land, and the industrial land in Southern Liaoning can only be used in alkaline wasteland, gravel land or mountainous areas that have no agricultural value. If you want to open a factory, the first step is to buy land, buy industrial land that cannot grow crops, level the land in your own way, and build factories...

"Dear Madam, our professional appraiser has already assessed the value of your pledge. The total value of your pledge is 960 taels of silver. Do you have any objection to this?"

Zhang Chen was a little surprised, because the value far exceeded her expectations. Her houses and shops were built earlier, and the workers in southern Liaoning were worth less at that time. Therefore, her principal was actually only ten taels of silver, seven taels of silver. In more than a month, with the principal of ten taels of silver, he earned 960 taels. How many times has this been doubled?
Zhang Chen's head is not enough: "No!"

"Ma'am, according to the regulations, you can only borrow half of the value of the collateral, which is 480 taels of silver. However, considering that you are a martyr, this standard does not apply to you. Marshal Cheng will provide guarantees for all military and martyrs. So, you can borrow up to 3000 taels of silver!"

Zhang Chen nodded and said, "Then borrow 3000 taels of silver!"

"Our bank needs to charge a certain amount of interest. Can you understand this?"

"I can understand!"

"Our loan interest rate is two cents. If they borrow ten taels of silver here, the monthly interest is two hundred cash, and after one year, it will be two taels of silver, and in three years, it will be seven taels of silver. After three years, you have to return 17 taels of silver to our bank."

The loan officer continued: "Considering that you are a martyr, the interest on your loan from our bank will be halved as appropriate. That is to say, if you borrow 3000 taels of silver, you need to pay our bank 30 taels of interest every month. Can you accept it?" ?"

"Marshal Cheng is a good man!"

Zhang Chen said with a smile, "I'll borrow it!"

The loan officer collected Zhang Chen's house deed, store deed and land deed, and then asked Zhang Chen to sign and press his fingerprints. After the loan contract was signed, the contract was in duplicate, one was kept in the bank and the other was handed over to the bank. Save it to Zhang Chen.

Afterwards, the loan officer operates the transfer. If you need to withdraw money, you need a password, a private seal and a signature (if you are illiterate, you can sign it on behalf of the operator, but it must be fingerprinted.

After discussing with Zheng Jian and others, Yang Yunniang adopted Cheng Shijie's method and the original bank's method. The seal, handwriting, and fingerprints must be exactly the same, otherwise they will not get the money, which completely eliminates the possibility of any party tampering. .

It took Zhang Chen less than half an hour to get the loan from the review and evaluation. Of course, she doesn't need to withdraw the money right now, because her business expansion also takes time.

When Zhang Chen's family was handling loan business, there was also a woman with a maid who came to handle the money saving business. This woman was Miss Xu Si. Although Xu's family was well-off, the problem was that her money was running out. Fourth Miss, there are four big brothers above, so it is very easy.

Martina wrote letters to her four older brothers and one younger brother. The letter was very simple, the younger sister (sister) had no money, and the elder brother came to the rescue.

Therefore, Xu Ji's five sons sent people to give money to the fourth lady one after another. It may be that the five brothers agreed, and each gave 1000 taels of silver, which is 5000 taels of silver.

Originally, these servants sent money, and Mardina wanted to take it directly to Zhenhai City, but she heard that Liaodong Bank does not charge handling fees for depositing money, and returns interest.

Ten taels of silver, there is thirty taels of interest per month, and the 5000 taels of silver is 15 taels of interest a month, which means that the 5000 taels of silver do not need to spend a penny, and she can make money by eating only the interest. She had a great time.

In fact, this is indeed the case. In the whole of southern Liaoning, the living expenses of ordinary people are about five or six hundred yuan a month. Not many.Her main expenditure is to replenish her son's body, which costs four or five taels of silver a month.

This also includes the expenses of her servant Hao Wuniang, mother, daughter, maid, and five people.

Mrs. Zhang Chen found that all the staff in this bank faced customers, whether it was borrowing money or saving money, the female staff who was in charge of handling the formalities always smiled enthusiastically, and there were many procedures to be done, which made people feel happy. Feel at ease and comfortable.

Mrs. Zhang Chen didn't know that this group of female staff had received nearly three months of training before taking up the job, and the most ruthless thing they practiced was smiling, which made their faces stiff...

The teacher in charge of training them is Wang Wei, a famous prostitute who is well-known in the south of the Yangtze River and is as famous as Liu Rushi.

Qian Qianyi said: "Today's poems and essays are declining, and the Kuibi space is full of luster. The Taoist man in grass clothes and my family, Hedong Lord, have clear and beautiful sentences, showing between the Six Bridges of Xiling."

Huang Zongxi also said: "At that time, there was Liu Rushi in Yushan, and Wang Xiuwei in the clouds, and they all sang with the wind and elegance and heard it all over the world."

Taoist in Caoyi is Wang Wei's nickname, and Wang Xiuwei is Wang Wei's elegant name.

The apprentices taught by Wang Wei, not to mention dealing with ordinary customers, even if they are romantic and gifted, they are very familiar with the road and handy.

……

As Liaodong Bank began lending, it immediately aroused heated discussions among everyone.Commercial loans come second, and the most exciting ones are actually the families and martyrs of the Ning Navy officers and soldiers in southern Liaoning.

Because they are the only class in southern Liaoning who have their own farmland. Due to their number, many people’s land has not been cultivated. If they have cattle, horses, or more farm tools, then in the coming year, wouldn’t it be...

Chen Dayong is the supervisor of the Ning Navy Navy. According to his military position, there are 860 acres of land. In addition to the previous military exploits of beheading, Chen Laosan relied on his son Chen Dayong to own more than [-] acres of land.

Chen Laosan is a very chicken thief. When the refugees flocked to southern Liaoning, he took the opportunity to accept 53 concubines for his son Chen Dayong. Among these concubines, the older ones were 37 or [-] years old, the younger ones were [-] or [-] years old, and some were with sons and daughters,
In the eyes of Chen Laosan, age is not important, and appearance is not important. The most important thing is that with these 53 concubines, there are more than a dozen adopted grandchildren and granddaughters. There are more than 860 grandchildren in their family. Acres of land can be planted.

Chen Laosan brought 53 daughters-in-law, seventeen or eight grandchildren, seven or eighty people to work together, plus temporary laborers, worked hard, and finally planted more than half of the 80 mu of land.

Due to the fertile land and timely irrigation in southern Liaoning, these crops are growing very well. In Chen Laosan's view, if he can't produce two stones of grain per mu, he will pull his eyes out.

Seeing that the weather is getting warmer and people around are building new houses, Chen Laosan has a headache. Chen Dayong is indeed paid by the army. In the army, he eats and drinks Cheng Shijie's food, and he doesn't need to spend money. The monthly military salary was given to Chen Laosan.

But the problem is that the 53 concubines are easy to use, but the problem is that it costs money to keep them. Chen Laosan looked at his nine adobe houses, and there were five or six people crammed into each room.

It's okay when it's cold, but it's very inconvenient now. Every day, these daughters-in-law will wake up and wash their bodies after they fall asleep...

It's really inconvenient.

But when the grain is harvested after autumn, Chen Laosan will definitely have the money to build a house, but the problem is that after autumn, the weather will also be cold, and it may be too late to build a house by then.

Chen Laosan spent five buckets of food and invited Wu Banxian from a thousand households in Weizuo, Dengzhou, to show him the house. If a house with 59 rooms has three rooms, future generations will surely be high-ranking officials.

This was Wu Banxian's nonsense, but Chen Laosan remembered it in his heart. If these 59 rooms were built, it would cost hundreds of taels of silver.

Because there are so many people building houses, the construction engineering team is too busy. If you want to build a house now, you can only add money. If you use high-quality building materials, 100 taels of silver is not enough.

Chen Laosan held a family meeting for his 53 daughters-in-law.

There must be no room to sit in the house, so the meeting can only be held in the courtyard, Chen Laosan said: "I think about it, I borrowed money from the bank to build a house..."

The oldest daughter-in-law is Luo Shi, who is 37 years old this year. Her original husband's family borrowed three taels of silver from the landlord in order to treat the father-in-law because of his illness.

In the end, the people were gone, the money was spent, and the money owed continued to grow at interest, which rose to more than 150 taels in less than two years. Their family was defeated like this. In order to avoid debts, their family ran away overnight. The ex-husband ran away to cover them. , was caught up and beaten to death by the landlord.

"Father must never borrow money. Otherwise, let's build the house ourselves, and we can do the work that men can do!"

Being able to become Chen Dayong's concubine, even in name only, Chen Dayong has never touched her, nor even said a few words to her, but the problem is that Luo Shi is too satisfied with the Chen family.

860 acres of land, a pond of its own, and a homestead of three acres, what else can you think about?
Since entering Chen's house, although Luo Shi has done a lot of work, he has never been beaten or starved, so what else can he beg for?
Chen Laosan also knew that these daughter-in-laws were hard-working people, and some of them were ruined by loan sharks. He knocked on the table: "I just want to say, this bank is owned by a handsome man."

"Handsome?"

"That's right, when our Chen family didn't hang out with the commander in the past, we also had a meal without a meal. Dayong served as a soldier for the commander, and was later promoted to an official. Our family's 860 acres of land were all rewarded by the commander. Yes, the commander-in-chief is willing to lend us money. We can just return the food to the commander-in-chief. The commander-in-chief is also considerate of his subordinates. There are many people like Dayong who have no money to build a house. They borrow ten taels of silver from the commander-in-chief. An interest of one or two dollars!"

Chen Laosan smiled and said: "We are still two months away from the end of autumn. After two months, our family can pile up the grain harvested, and there is no place to put it in the house. This house must be built, and borrowing money must be built. , not only to build a house, but also to buy cattle and horses!"

Everyone can understand when buying cattle. If there are cattle this year, the spring plowing will be much easier.

"Why do you want to buy a horse?"

"Dayong is now an official of the imperial court, and if he goes out to ride a donkey cart, he will make people laugh!"

Chen Laosan pointed to his own face and said: "I don't need this old face, but Dayong can't embarrass the commander in chief. If others see this, they will say that the commander treats his subordinates harshly. Let's fill in this face! "

Chen Laosan used his 860 mu of land as a mortgage, borrowed 420 taels of silver from the bank, and planned to spend 200 taels of silver to build a new house. After all, the Chen family has a large population now.

Then at the price of a cow at eight taels of silver, I bought sixteen cows and two good horses...

There are still many people like Chen Laosan in southern Liaoning. They are eager to build new houses, buy cattle or horses, and greatly stimulate the animal husbandry industry in southern Liaoning.

Regarding things like making money, some people jokingly say that pigs can fly when standing on the wind.

This sentence is also applicable in southern Liaoning. Zhang Chen is a widow, because she is courageous and dares to think and do, she succeeded. In just half a year, her net worth broke through 3000 taels.

Regardless of the bank's asset assessment of 980 taels, the problem is that the bank's assessment is all falsely low. If it is falsely high, once the borrower has no money to repay the loan, the bank can only consider itself unlucky?

Will the bank do business at a loss?
Certainly not, even if it is a [-]% loan, there is still room for profit.

If Zhang Chen's really went bankrupt, these assets would be enough for the bank to eat.

This is the harsh reality.

Don't look at the annual salary of many people in southern Liaoning is more than 12 taels of silver, but it does not mean that these people are worth 12 taels of silver.

Because the value of 12 taels of silver was given by Cheng Shijie to ordinary people in southern Liaoning.

In order to ensure the basic living security of the people in southern Liaoning, the management committee began to promulgate the "Liaodong Worker Protection Law". The first article of this protection law stipulates that any enterprise, factory, or shop that employs employees is not allowed to deduct wages from employees.

Workers have the obligation to work and the right to enjoy wages. This is not charity.

Ordinary workers in southern Liaoning enjoy a minimum salary of one tael of silver, and they have to pay for food. If there is any accident during work, whether it is a worker's operation error, or an equipment accident, resulting in a work-related death or injury, the business owner must be responsible to the end. .

The promulgation of this protection law caused the merchants in southern Liaoning to cry.

If you violate this protection law, it is actually very simple, ranging from fines to bankruptcy.

Farming in the Central Plains, there is a high probability of going bankrupt. In a catastrophe year, the tragedy is unimaginable. Let alone the crops, the bark is eaten up. There is no living thing left in the whole village except people, cats and dogs. Everything is eaten up, even big animals like cattle and horses are not spared. The common people know that eating cattle and horses will make it more difficult to farm in the future, but people are hungry and have no choice, even children. I don't care about the livestock or anything like eating.

Even if they are not eaten by humans, the animals will starve to death.

There is no such worry here in southern Liaoning. Even if the crops are really in short supply and there is no food, they can dig wild vegetables, go to the sea to catch fish, or catch kelp.

Cheng Shijie not only set up four salt factories in southern Liaoning, but also has a production scale of 30 rock salts per year. You must know that these salts are already in demand by tens of millions of people.

Cheng Shijie was also dumbfounded when he received the report from the salt factory.

Unknowingly, so much salt was produced. Even though a lot of salt was used to marinate horse meat in the spring, and now salted fish is used to marinate, there is still too much salt in stock.

Cheng Shijie looked at these numbers and felt a little emotional.

He thought about whether to dump salt to the south of the Yangtze River and the Central Plains?

Of course, this salt market is the fat of salt merchants in Jiangsu and Zhejiang. They have no objection to drying the salt in southern Liaoning for their own use. In the eyes of salt merchants in Jiangsu and Zhejiang, the original southern Liaoning is a non-existent market.

This consumer market was cultivated by Cheng Shijie, so naturally it belongs to Cheng Shijie, and they have no objection.

It's useless to have opinions, because Cheng Shijie is a general with a heavy army in his hands, what can they do with Cheng Shijie?
Reasonable?
Cheng Shijie absolutely took their words as fart.

Giving gifts and bribes...

Cheng Shijie didn't pay attention to their three melons and two dates.

Assassination?

Come one, bury one, come a pair, bury a pair.

Cheng Shijie would not be polite to them.

Cheng Shijie summoned Yang Chen, who was in charge of the salt factory business. This Yang Chen was a senior salt worker. He had been working as a salt worker in Nanyang, Henan Province since he was 13 years old and had been working for more than 30 years.Although it was not stated clearly, Cheng Shijie guessed that it should be in Wugang later, which is the only city named after an enterprise.

Wugang Group created Wugang City.

"Meet the Master!"

Although Cheng Shijie has been promoted to Liaodong economic envoy, the problem is that many people or craftsmen don't understand the official system of the court, and they can't tell whether Cheng Shijie is big or big.

Anyway, the commander-in-chief yelled smoothly, and Cheng Shijie didn't care. He would call himself the commander-in-chief more often.

"Free gift!"

Cheng Shijie said with a smile: "On this report, your fingerprints are pressed, which means that this report was not written by you?"

"The villain is illiterate!"

Yang Chen said submissively: "This is written by my daughter-in-law!"

"Ha ha!"

Cheng Shijie understood that the people of Liaodong respect educated people very much. When choosing a daughter-in-law, one is beautiful but illiterate, and the other is ugly. When choosing a daughter-in-law, the first choice is still woman of culture.

Cheng Shijie pointed at the report and said, "There are too many falsehoods here, I only ask you two questions! First, is the 30 rock salt estimated production capacity, or has it already been produced?"

Yang Chen smacked his lips and said, "By August and September, there should be 30 halite, but now there is no more, only [-] to [-] halite!"

"very good!"

Cheng Shijie said: "Second question, how much do we need to produce a rock salt? How much is the cost? This is a slip of the tongue, these are two questions, then ask another question, Jiangsu and Zhejiang salt merchants, they need to produce a rock salt How much silver, do you know??"

Cheng Shijie has now made a decision. If he has the strength, he will turn the table and smash the pot of the Jiangsu and Zhejiang salt merchants.

(End of this chapter)