In the Southern Song Dynasty, I competed with Mongolia for the world

Chapter 263 Saving Money and Selling Fields

Lin'an City.

Zhao Rushu led two servants, looking up at the street not far ahead.

This is the north of Yujie, the main street of the capital.

At this time, he was standing on Yiche Street, opposite to east and west, and there were two banks facing each other.

One of them is called Longteng Bank, and the other is called Sihai Bank.

These two banks opened one after another shortly after Zhao and Rui ascended the throne, and they have been in operation for more than three years.

Both banks recruit people to save money with interest.

Longteng Bank only accepts deposits of more than 240 guan, the monthly interest is [-] guan, and the annual interest is [-] guan. The cost can be recovered in about five years, and the interest is quite high.

At the beginning of the opening, many people still couldn't believe it, but later, some people deposited [-] coins, and they really got the interest.

One word spreads to ten, and ten spreads to hundreds, and more and more people are saving money in Lin'an City.

Of course, there were Nie Zishu, Lin Jie and others in Lin'an City who had suffered in Qingyuan Mansion at that time.

When they were in Qingyuan Mansion, they had already been fooled by Zhao Yurui, so they specially persuaded the people around them, you want his interest, he wants your principal, be careful that you won't get back even the interest.

But people are always greedy, this kind of scam has been tried and tested in later generations, and countless people are fooled every year in later generations with such advanced information, let alone people in the Southern Song Dynasty at this time.

Some people may have believed Nie Zishu, but most of them didn't take it seriously at all, and never talked about the Qingyuan mansion.

In the second year of Baoqing, Longteng Bank launched a new plan.

Only charge more than 35 guan, the monthly interest is reduced to [-] guan, and at the same time let out the wind, we have almost saved money, and we will gradually save less in the future. It is not a relationship account, and it is not a particularly large amount. We don’t want to accept it. .

Many people saw that the interest rate was a little lower than before, and it seemed that the bank really didn't want to charge too much money, so they had to keep saving quickly.

After many people get the interest, they save up to [-] Guan before depositing.

In the third year of Baoqing, Longteng Bank launched a new plan.

New users will not be charged, and the interest of old users can be withdrawn and deposited at any time. If it is not interest, a minimum deposit of [-] yuan is required.

This is a terrible situation. Many people think that Longteng Bank may not accept new deposits in the future, and they must hurry up and deposit a few more.

Zhao Rushu heard from Nie Zishu and Lin Jie that he had no savings when Longteng Bank opened.

But after waiting for half a year, people around him got interest one after another. There were also people like his nephew Yuan Mihai, who used to be a friend of King Yi and is now the supervisor of Songjiang Saltworks. Every time he came back, he was persuaded to save money. .

Later, one day he discovered that his wife Yuan Shi and concubine Lu Shi had saved money and received interest.

Zhao Rushu couldn't bear it anymore, and tried to save a thousand coins first. After one month expired, he immediately asked to withdraw all the principal and interest, and he got it.

Since then, Zhao Rushu seems to have opened up a new world. He deposits a sum of money every time, and then immediately withdraws all the money together with the interest after one month expires.

Then observe for half a month and then continue to save.

After half a year in a row, Zhao Rushu feels relieved, and sometimes saves it for two months and then saves it together.

He was very careful, for fear that the Longteng Bank would disappear one day, so every one or two months, he took out the principal with interest.

Three years after Baoqing, he heard the news that in less than a year, the Longteng Bank had established offices in Jiankang Prefecture, Suzhou, Changzhou, Haizhou, Chuzhou, Zhejiang, Jiangnan, Lianghuai, Jinghu, Fujian, etc. , Guangdong, Guangxi, etc., almost all over the country in the Song Dynasty, many banks have been opened one after another.

As for the other Four Seas Bank, it is said that it only opened banks in Lin'an and Qingyuan Mansion.

The Four Seas Bank has low interest rates, but one hundred guan can be deposited at a minimum, and the money of ordinary people can also be deposited in it. The monthly interest of [-] guan is [-] cash, and the annual interest is about [-] ren.

Therefore, most of the wealthy people in Lin'an City are not willing to deposit in the Four Seas Bank.

Originally, Zhao Rushu kept his money in Longteng Bank, earning high interest.

However, what happened last year and this year made him hesitate.

Last year the imperial court began to measure grain fields in Fujian and Jiangnan, and killed a group of officials and landlords.

At the beginning of this year, Tai students and officials in the court made troubles and forced the emperor. At that time, Nie Zishu also sent someone to persuade Zhao Rushu to support him, but Zhao refused.

Afterwards, it turned out that these people were in bad luck, and many of them were confiscated.

Anyway, Zhao Rushu knew that the emperor loved money very much, and he liked to confiscate the property of officials and landlords the most.

In the three years since Zhao Yurui ascended the throne, the confiscated family property and confiscated grain fields are a huge sum of money.

He didn't want Zhao Yurui to be taken advantage of by all the Wanguan family property he had worked so hard to accumulate.

After the incident of Taisheng students, the government released the news that the emperor will clear the country's grain fields this year, and then reform the tax next year. Those who have a large amount of grain fields may have to pay heavy taxes.

Because the emperor exempted Shandong from taxes for three years, he must get food taxes from other places to make up for it.

After the news came out, some officials in Lin'an City began to sell their fields.

Really.

Since the incident of Taisheng, everyone knows that the emperor's reorganization has no one to stop Liangtian.

Some people believe that the emperor will impose heavy taxes next year.

The good days of farming in the Song Dynasty are over, now it’s not just that those who have more fields are arrogant, and those who are smart are now thinking about the way out, and want to dispose of the fields in their hands.

Zhao Rushu has also hoarded thousands of acres of land over the years. Occasionally, when he was summoned by the emperor, he would side-step and think about how to collect taxes next year. Heavy.

At this time, Zhao Rushu decided that he would also sell the land.

Coincidentally, the owner of Lin'an Sihai Store, that is, Sihai Bank, was also aggressively acquiring land at this time, but his price was very low.

Originally, the upper fields in Lin’an could sell 150 to [-] guan per mu, and the lower-grade fields could also sell [-] guan per mu.

But the Four Seas shops offer [-] guan for top-grade fields, and [-] guan for low-grade fields.

This is simply adding insult to injury and stealing money, Zhao Rushu is half dead with anger.

But there is no way, now in the city, after hearing the news, there are not many people who dare to buy fields.

Except for some middle-class people who buy some fields and grow them themselves, and harvest fields on a large scale, there are only a few shops in the world.

The other land reclaimers are big landlords in Lin'an City. They don't believe that there will be heavy taxes next year, and they want to take this opportunity to buy the bottom. Among them, Lord Liu Ba Taiwei of Lin'an is the leader.

Liu Ba Taiwei used to be a Taiwei in his ancestors, and the capital called him Ba Taiwei. Ba Taiwei is the second richest man in the capital with a family fortune of tens of millions, second only to Qin Zhuo's Qin family.

It is said that he had a good relationship with Concubine Jia, and claimed to have received news that the heavy taxation was false, so Lieutenant Liu Ba Taiwei and several wealthy businessmen also requisitioned land in the capital and hoarded it.

Now the capital officials and the rich are divided into two waves. Most of them don’t believe in Liu Batai, nor do they believe that the emperor will impose heavy taxes, and keep it as it is. There are also a few like Zhao Rushu and some officials who believe in heavy taxes. As for those who dared to harvest the fields, there were very few. The emperor was measuring the fields at Zhangchang, and most of the people watched, hoping to see how the imperial court would decide next year's policy.

The reason why Zhao Rushu wanted to sell the land was because he asked Zhao Yurui face to face.

They are relatives, uncles and nephews, it is impossible for Zhao Yurui to lie to him.

So Zhao Rushu thought about selling the land, and then deposited the money in the bank to earn interest.

But yesterday when he asked Longteng Bank again, Longteng Bank said that we will change again starting in September. If you want to withdraw money in the future, you must first apply and then come within ten days to get it.

Well, when Zhao Rushu heard it, he felt that Longteng Bank was going to run away.

But Longteng Bank explained that many people withdraw money as soon as they arrive every month. It is impossible for our bank to deposit tens of millions of coins every day.

It sounds like it makes sense.

Zhao Rushu applied for a withdrawal at that time, and then planned to get it back with interest first, and then see the situation.

At this time, his principal plus interest in Longteng Bank totaled more than 4000 guan, almost all of his family property.

He is now considering whether to deposit the money in the Four Seas Bank after he gets it back. Although the Four Seas Bank has low interest rates, it may be that the emperor is the backer, and his safety can be guaranteed.

It was rumored that the Four Seas Bank was the emperor's backstage, guaranteed by the imperial court. Although the interest rate was low, the security should be relatively high.

"Zhao Yushi" was just as Zhao Rushu was thinking about these things, when someone behind him suddenly called him.

When Zhao Rushu turned his head, it turned out that it was Liang Chengda, the servant of the Ministry of Rites, with two servants.

Both of them were Shi Miyuan's three murderers in history, and they were the only ones Zhao Yurui continued to use after Shi Miyuan's downfall.

In the hands of Zhao Yurui, Liang Chengda first served as the Minister of the Ministry of Punishment, and later moved to the Minister of the Ministry of Rites.

The two treacherous ministers often flattered Zhao and Rui in the court, which caused dissatisfaction among many honest ministers, but the emperor secretly protected them, and the status of the two was very secure.

"Liang Shilang is also resting." Zhao Rushu wiped the sweat from his brow, it will be September, and the weather is still relatively hot.

He stood in the shade under the tree by the roadside, still sweating non-stop.

"Hey." Liang Chengda took a look at him, then followed his gaze, and couldn't help laughing, "Zhao Yushi is going to save money?"

"No." Zhao Rushu sighed, "I want to sell the land."

Liang Cheng's eyes lit up: "Zhao Yushi also sells fields."

"Liang Shilang sold?" Zhao Rushu asked cautiously.

Both of them brought two servants with them, obviously they were going to sell the land to pay the money.

"I'm also going to sell it." Liang Chengda looked around and lowered his voice a lot: "Zhao Yushi is His Majesty's uncle, can you hear anything?"

Liang Chengda and Zhao Rushu are the few accomplices of treacherous ministers in the court, and Zhao Rushu immediately whispered: "There is nothing wrong with the rumors, but your majesty is measuring the grain fields for tax collection. Next year——"

Tian Duo must be heavily taxed.

He didn't say this, but Liang Chengda could understand it.

"Let's go, hurry up and sell the fields." Liang Chengda said immediately.

If we don’t sell our fields now, when the heavy taxes come out next year, everyone will rush to sell their fields, and then the fields will be worthless.

The two immediately moved forward together.

When he reached the intersection, he froze for a moment.

On the left is Longteng Bank. Not far from Longteng Bank is the rice shop of Taiwei Liu Batai. This guy is now in Lin'an City.

On the right is the Four Seas Bank, and the Four Seas Bank itself closed the fields.

The Four Seas Bank paid little money, so of course it sold Liu Ba Taiwei.

The two looked at each other, without hesitation, they went directly to Lieutenant Liu Batai.

No one could be seen at the entrance of Liu's rice shop, but after entering, there were quite a lot of people inside.

"Liang Shilang."

"Zhao Yushi."

"Mr. Zhou."

There were voices of greetings everywhere at the scene, and Zhao Rushu found that many officials were here.

(End of this chapter)