Back to the end of Ming Dynasty to be a warlord

Chapter 393
Qiao Chengwang has been in Yangzhou for several generations, and his main business is the salt industry. Of course, Yang Chao is not hesitant to lend money.

But the Kang family has a lot of assets in the north and brings huge wealth into the salt industry, Yang Chao doesn't welcome it.

But I don't have that much concern about salt merchants in the south of the Yangtze River, such as the Ji family in Taixing and the Ma family in Huizhou.

But most salt merchants don't actually need to lend money. For example, Wu Tianxing probably has much more wealth than Yang Chao, and he gave Yang Chao a similar amount of money.

A few days later, Qiao Chengwang told Yang Chao that the total amount released was only 300 million taels, all of which were only 10 taels, up to 30 taels, and no one would borrow any larger amounts. There is no need for borrowing at all.

The bank got off to a bad start.

"Master Qiao, please help me find some of the best engravers in Yangzhou."

The two core businesses of banks, one is deposit and loan, and the other is exchange business.

Since there is no credit for deposits and loans, no one will save them, and if there are few people who lend money, then the second business of exchange, Yang Chao feels that no one can compete with him.

At this time, except for Yang Chao, who would dare to take the risk of transporting a large amount of silver on the road, and who except Yang Chao would dare to guarantee the safety of the journey from Jiangnan to Yangzhou.

Therefore, in the exchange business, Yang Chao, who holds a heavy army, has a natural advantage.

Merchants in the Ming Dynasty also did remittances, but they were all small-scale and not their main business. Most of them were exchanges between friends, and no fees were charged. Ordinary small and medium-sized merchants didn’t need it at all. It was enough for them to carry silver. After all In the era when ordinary people still used copper coins, the value of silver was enough to guarantee trade.

But Yang Chao didn't want to directly copy the models of bank accounts and pawn shops. He was looking for the best engraver, and he didn't plan to print ordinary meeting tickets. Instead, he planned to print more convenient bank tickets directly, similar to Jiaozi in the Song Dynasty. banknotes.

The two major businesses of the banking industry, deposits and loans, are actually just the most basic business. The higher level is investment banking, but the higher level is printing banknotes and directly printing money. Who can afford it.

But the premise of printing money is enough credit.

No one has enough credit, so they can only guarantee it with money. Yang Chao has enough money, so he can print silver notes.

"Master Qiao, how about lending those pawnshop accountants of your family to me temporarily?"

There are many pawnshops in Qiao Chengwang's family, and they also lend usury. These accountants are proficient in this way, and Yang Chao intends to borrow them.

Soon the worker came and told the worker that he wanted to print banknotes. The worker didn't understand, but told him to print the Jiaozi of the Song Dynasty, and the worker understood.

In fact, there were banknotes in the Ming Dynasty, called treasure banknotes, but the treasure banknotes were spoiled by the Ming Dynasty, because the Ming court only wanted to print money, but did not want to recycle it. The money was thrown into the market, but in the end it was worthless and no one was willing to use it. , had to be voided.

The economic consciousness of the officials in the Song Dynasty is obviously much stronger than that of the officials in the Ming Dynasty. The paper money in the Northern Song Dynasty, Southern Song Dynasty, and Song Dynasty has never lost its credibility. Although it has been devalued repeatedly, it can always be pulled back by the court before losing its credibility.

With engraving, it is not possible to print banknotes immediately. There is a complicated process for engraving and printing.

Fortunately, there is no shortage of such people in Yangzhou. A city with a prosperous culture, the printing industry is also extremely prosperous. Yangzhou's printing industry is no worse than that of Nanjing, so all printing equipment is ready-made.

Just wait a month or two for samples to come out.

After directly providing the engraver with a pattern, let him hurry up and start working.

After that, I talked to several accountants and told them that I planned to lend money to ordinary people in Yangzhou.

Yangzhou is dilapidated, and a thousand wastes are waiting to be built. The merchants need to repair their yards, and the common people also need to repair their own yards.

But the businessmen are supported by wealth, and these little people are miserable.

"Let's just take a three-point interest, and I won't sit still for a free one, but I have to guarantee that I can pay back the money. What I need is credit. I will have credit, and customers also need credit."

Credit is a cumulative process, and only with mutual integrity can we have enough credit.

On the premise of credit, the final result of the agreement with the accountant is that for those families in the city who have skills and have quickly found a job to lend money, with such a cheap monthly interest, someone should be willing to lend.

With Qiao Chengwang's support in Yangzhou, the shelf was easily set up. On the most prosperous Dongguan Street, he bought a big shop and opened it for business.

At the same time, Yang Chao sent a shopkeeper to Nanjing, and immediately set up shop in Nanjing. For the time being, he will first infiltrate the areas he has control over. The main business is the exchange from Nanjing to Yangzhou. It should also be welcomed by small and medium-sized merchants.

Yang Chao is busy stabilizing order in Yangzhou, but the situation in the world is not stable.

Manchu military operations did not stop.

Duoduo actively integrated forces in Huai'an.

In the battle of Yangzhou, without knowing who the enemy was and how many enemy troops there were, he was defeated and lost, which was terrible.

He had never lost so uselessly in his life, before he left, he found out that it was Yang Chao who defeated him.

The name Duoduo is no stranger to him, and Turge, who was defeated by Yang Chao in the first battle of Haizhou, is Gu Shan Ezhen among them.

Duoduo took advantage of Turge's defeat and made a big fuss in the end, forcing Huang Taiji to give up the infiltration of the Xiangbaiqi. When Dorgon seized power, Duoduo's white flag was the main force.

So Duoduo had always had a good impression of Yang Chao before, but after suffering such a big loss from Yang Chao this time, the good impression disappeared.

Although Turge was defeated by Yang Chao, Duoduo didn't pay much attention to the name. That idiot Turge didn't even care about common sense. He camped on the flat ground and made such a big mistake. He deserved to be attacked by water. Doduo didn't think he would make such a mistake when Ji was defeated, so he thought it was impossible for Yang Chao to defeat him, and Yang Chaoshui's attack on Turg was no big deal.

But this time he was defeated by Yang Chao, so Duoduo didn't dare to be careless. Until now, he only knows Yang Chao's name. He doesn't know how Yang Chao defeated him, nor how many troops Yang Chao has. It is not clear how Yang Chao sneaked into Yangzhou City.

After thinking over and over again, he decided that Yang Chao had been hiding in Yangzhou City most likely, those big families had secret rooms, and Yang Chao just hid well.

In this way, Duoduo guessed a Trojan horse trick of the Ming Dynasty.

Yang Chao's troubles for Duduo didn't stop there. After Turg's defeat, Duduo could make a big fuss and annex Turg's followers. Now Duduo was defeated, and the defeat was worse than Turg's.

Turge only lost 1 people, while Duoduo directly buried [-] Banner soldiers, and [-] Ming soldiers surrendered. Therefore, it is inevitable to be attacked by political enemies.

Dorgon was in power in the Qing court, so Duoduo and Azige, who were brothers, were able to go out as leading generals respectively, with the purpose of grabbing credit and strengthening Dorgon's power.

Originally, the military exploits of Duo Duo and Azig would become Dorgon's bargaining chip to control the court. Similarly, the defeat of the two of them would also become the target of Dorgon's attack.

Dorgon has political enemies, and there are quite a few of them. Although he had just bought the Heluo Society under Hauge and reported on Hauge, and dealt a severe blow to this biggest political enemy, Dorgon's power has not yet reached its peak. The point of directly destroying Hauge.

At this time, Duo Duo suffered such a heavy loss. For the first time since the expedition, the entire army was annihilated, and Dorgon's political opponents in the court took the opportunity to attack. Some people even started to secretly contact Hauge for a while. Obviously, this is the most powerful son of Huang Taiji. Haven't given up yet.

Duo Duo also knew that he had caused big trouble for Dorgon. Duo Ergun ordered him to reprimand him and fined him three cattle records, but he did not send him back to Beijing. Out of political struggle, Duo Duo was defeated, but Dor Duo Dagon still has to support him, and still has to let him lead the army. If Dodo fails completely, it will also be Dorgon's failure.

Therefore, Dorgon resisted the pressure and sent troops to the south of the Yangtze River again. Deploying too many troops would inevitably mean the emptiness of the northern control area. The Confucian Mansion in Shandong also specially published a memorial to sing praises.

With the arrival of new reinforcements, Duoduo began to recover, and still let Gushan Erzhenzhunta lead the Shandong Qing army. He personally commanded the reinforcements that arrived later and began to plan a new round of attacks.

"My lord, for the current plan, we should unite our troops in one place, and we will be weak if we divide our troops."

Zhunta was a little worried about Duduo's plan.

Duoduo smiled and said: "It's okay, the division of troops is for the purpose of division. You still lead the army of the East Road to the south!"

Zhunta was even more worried: "The slaves will be divided into? Where will they be divided?"

Duduo commanded more than 20 troops and the whole army was annihilated in Yangzhou. This shocked Zhunta and reminded him of Turg's fate. He is a slave. .

Duoduo took out the Jiangnan map and pointed north: "Here!"

Zhunta was puzzled: "Haizhou?"

"That's right!"

Duoduo just asked him to fight Haizhou.

Zhunta said: "The so-called division of troops is weak. If Yang Chao comes to attack Huai'an at this time, what should we do?"

Duoduo snorted, "It's best if he comes! This king wants to see how he can fight this king!"

At this time, Duo Duo still believed that Yang Chao's battles depended on tricks, and if he dared to fight him in the field, he would definitely be able to capture Yang Chao alive.

Zhunta didn't say much, since the prince Duduo had decided, there was no need for him to speak out.

Anyway, if he went to Haizhou, the chance of him meeting Yang Chao would be much smaller. As for whether Duoduo could block Yang Chao's attack, that was not his business, but he was in Haizhou.

So the Qing army immediately began to act, and soon a partial division moved towards Haizhou along the Yunyan River.

Yang Chao, on the other hand, soon received an urgent call for help from Haizhou.

(End of this chapter)