Mingmen Family

Chapter 29

So if you don't have enough money, you can borrow some money from a bank to pay for it. Just think about it.In ancient times, if you want to borrow money, you can only go to someone who lends usury. Granny Cai in "Dou E's Injustice" specializes in this business, and Wang Xifeng also let usury.

Usury is regarded as usury, not only is it not cost-effective, but the news of the Ye family's shortage of funds will also spread.At that time, there will definitely be a group of opponents who "take advantage of your illness and kill you".

"If, I mean if..." she said, "If you don't count the money that uncle brought back, how far are we from?"

Ye Chongming said: "If you don't count the investment in making osmanthus tea and buying loose tea and osmanthus, there is probably a shortfall of more than 3000 taels, which is the money for pre-ordering tea from the farmers."

Apart from selling the Ye family's tea to Lin'an City and surrounding counties, it is only sold to the capital.

There are many dignitaries in the capital, and it is the main sales place of Yejia Tea's high-grade tea.Like Ye family's tuancha, after it is made, it will be sold in the capital.So even though Lin'an is the base camp of the Ye family, the money earned from tea leaves still accounts for the vast majority in the capital, and Ye Hongchang manages it.

Although the law and order in Dajin is generally good, it is not without robbery.These days, some people who live poorly and like to take crooked ways will organize themselves. They usually farm in the countryside or hang out in the city. They will vote when they have the opportunity.

Because they were not specialized robbers, they hid among ordinary people before and after the robbery, and the robbery was random, so it was difficult for the government to hunt them down.After catching this batch, there will be another batch, and it is always impossible to catch them all.

However, Ye Hongchang's business is very big, and he always travels between the capital and Lin'an, so there is a high chance of being targeted and robbed.At this time, the bank does not have deposit and withdrawal services in other places, so for safety reasons, he usually does not bring money home.

He divided it into two times a year, Qingming and Mid-Autumn Festival, and then took out the silver from the bank, and hired people from the bodyguard bureau to escort it back.

In the past, Ye Chongming would never have said this to Ye Yaming.But Ye Yaming's performance these days made him regard Ye Yaming as a more capable family member than Ye Jiaxing.So he told Ye Yaming about these benefits in detail.

He continued: "If there were no holes poked by your fourth uncle, the family would have been able to get the money. It's just that the family's savings have all been used up."

Old Mrs. Ye sat beside her with a embarrassed face.

Although Ye Hongrong was not very capable in the past, he did not do anything bad.So she indulged him too.

But now that Ye Hongrong has made such a big mess for the family, Mrs. Ye also clearly realizes that she can no longer indulge him like this.

Therefore, Ye Chongming imposed family law on Ye Hongrong, but Mrs. Ye pretended not to know, and did not protect her youngest son.

Ye Chongming was not worried about his eldest son and the money at first.After all, the capital city is not far from Lin'an, and Ye Hongchang has to walk this road seven or eight times a year without any accidents.

But now he was flustered by Ye Yaming's question.

In the past, no one was watching the Ye family, but now there is Meng Chengwei doing tricks.Ye Hongrong made a move here, maybe there will be problems with Ye Hongchang.Even if he sent the bodyguards in the bodyguard bureau, thinking that he had no intentions, there would be no guarantee that Ye Hongchang's side would have trouble.

Thinking that there are still a few days before the Mid-Autumn Festival, no matter where he buys it from, he will not be able to get the money together in a short time, so he suddenly became anxious: "What if the money is lost?"

Ye Yaming thought for a while: "How much tea can be sold in teahouses and teahouses?"

Ye Chongming shook his head: "Now the tea in teahouses and teahouses are all summer tea and autumn tea, even if they are sold within a few days, they will not make much money, and at most they can only fill up the 3000 taels. Your uncle is in The sum of money brought on the road cannot be filled at all."

Moreover, they can dispose of that batch of tea at a loss and sell it to other tea merchants.But now is the time to book spring tea, no matter which tea merchant is short of cash.It is impossible for them not to reserve next year's spring tea, but to buy the Ye family's summer tea and autumn tea. Not to mention the low profit, it is difficult to sell.

After all, tea is something that rich people are willing to drink.The poor can't afford to eat, so how can they spend money on such things that scrape their stomachs?

"Grandfather." Ye Yaming looked at Ye Chongming, "If you take the property of the shop at home as a mortgage, and the old man will give you a guarantee, and you exchange a sum of money with the bank, do you think the old man will agree?"

Ye Chongming thought for a while, then shook his head: "No."

Once the news is leaked, those who deposit their money in the bank will panic, and they will worry about depositing their money in the bank again, and there will be a disturbance in cashing out. However, once the incident of cashing out comes out, the reputation of the bank will be ruined.

The Mei family's bank business has been in business for decades, and it is absolutely impossible to take such a big risk because of the temporary difficulties of the Ye family.

"Well, then, go and talk to the old man. On the one hand, we will use the shop and land as collateral to ask the Mei family to lend us a sum of money in their own name. The amount does not need to be too much, and it is enough to fill the gap in ordering tea from the sales department. That’s fine. If it’s not possible, we can borrow as much as we can, and for the missing part, our female relatives will take the jewelry to the pawnshop to pawn the gap and make up for the gap.”

When Mrs. Ye heard this, she nodded quickly: "That's right. I still have 1 taels of silver on my dowry, plus my and Tao's jewelry, and I can exchange thousands of taels of silver when I go to pawn. If my cousin If he agrees to borrow some more, this amount of money is enough. If he really refuses, Tao's dowry silver and a few daughter-in-law's jewelry can be put together, so you don't have to worry too much, master."

It was only now that she realized that if the eldest son really couldn't get the money back, the family's business might be in serious trouble.She was really worried that the old man would fall ill because of this.

But she also knows that the dowry silver and jewelry of daughters-in-law should not be moved if they can. They are the foundation of women's standing and the last retreat for the descendants of the Ye family.Even if you mention it, most of the daughters-in-law will not agree.And there will be more to come.

The old man was in a dilemma. Ye Yaming gave the old man advice to borrow money from the bank, but he didn't mention it. That's the reason.

But the other daughters-in-law didn't mention it, there was a big problem in the Ye family's business, she and Dow were duty-bound to help the family tide over the difficulties with their own money and jewelry.

She is so old, her sons are all married and established, and the eldest son seems to be a grandfather, so she is not afraid that the old man will divorce her, and she will have nothing to do for the rest of her life.

As the eldest daughter-in-law of the Tao family, most of the Ye family's family business will belong to her son in the future. The loss of the Ye family will not benefit her at all. She must and is willing to take certain responsibilities.

(End of this chapter)