Steam Daming: Stop calling me to supervise the country

Chapter 50
A group of people came to the entrance of the Jiang Family Bank. It was a very tall building.

The gate of the Jiangjia Qianzhuang is extremely lively, with people coming and going, and the traffic is busy.

Ma Xiang pointed to the archway and said: "This archway is a meritorious archway. When Emperor Taizu rebelled against the Yuan Dynasty, he got the support of the gentry in the south of the Yangtze River and contributed money and effort. The clansmen also took care of them a lot.”

Zhu Zhanqian nodded. Although Daming started with a bowl, he did not rely on a single bowl to win the world. Fighting costs money, and there must be someone behind him to support him.

The relationship between Shen Wansan, a wealthy man in Jiangsu and Zhejiang, and Zhu Yuanzhang is unusual. Shen Wansan contributed money to help Zhu Yuanzhang build a third of Yingtian Mansion, but he also presumptuously wanted to reward the three armies. The rioters should be killed."

The reason is that Shen Wansan first supported Zhang Shicheng as Zhu Yuanzhang's enemy. Although he later switched camps with the businessman's keen sense of smell and enough tact, people like Zhu Yuanzhang looked down on these flattering businessmen the most.

This is also one of the reasons for the ranking of scholars, farmers, businessmen, and businessmen in ancient times. In ancient times, businessmen were considered hypocritical and opportunistic people, and they were the most despised.

Ma Xiang explained as he walked: "Jiang Family Bank has three biggest bankers, Lin Fang, Han Xiaocun, and Zhao Quan, all of whom are wealthy businessmen."

"Which Prince Houbo is standing behind?" Zhu Zhanji pointed out the key point. To do such a big business in Yingtian Mansion, it is impossible to rely solely on businessmen, and there must be Xungui Group behind it.

Ma Xiang was embarrassed and hesitated to speak.

Zhu Zhanji's face remained unchanged, and he said softly: "You can just say it, don't worry, if you don't say it, someone will tell me."

Ma Xiang understood Zhu Zhanji's meaning and said, "Go back to Your Highness Taisun, it is rumored that they are the two princes of Han and Zhao."

Squinting his eyes slightly, Zhu Zhanji's thoughts and the others dare not guess, but it is true that the Jiang Family Bank can grow so big and have such a backstage.

The crown prince holds all the civil and military affairs of the court, and the two kings of Han and Zhao have penetrated deeply into the folk. Zhu Gaochi's cleverness lies in the fact that he will never be caught by others, but there are a lot of Hanwang and Zhaowang.

The backstage of the Jiang Family Bank is not only the Second King of Han and Zhao, but also many people with titles. They need a place to store their assets, so the internal relationship is actually quite complicated.

Zhu Zhanqian was rather curious about how the controller handled such a complicated situation.

Walking into the bank, there were many people queuing up, many of whom were borrowing money. Zhu Zhanqian also saw the guards of the Security Department here.

In the past, there were no private soldiers in the bank. After all, he was a non-governmental organization, so he could only invite some local snakes and rogues to stand in the town. Now that there is a security department, they are the ones who benefit the most. They have hired more than 60 guard stations. That's a prestige.

Zhu Gaoxu and Zhu Zhanqian have never mentioned this matter, of course Zhu Zhanqian is not surprised, this is like his second uncle, using public tools for private use.

According to his estimation of Zhu Gaoxu, the fee for renting the guards to the bank must be very expensive, even much higher than that of the Xungui family, and the extra portion will naturally go into his own or his confidant's pocket.

The greedy ones are clear, and the dirty ones are clear.

After walking around and looking around for a few times, there were more people who came to borrow money. Zhu Zhanqian was a little surprised: "Why do so many people need to borrow money? The money from the bank is often returned to thirteen times, and there are more borrowers who have to repay."

Ma Xiang explained: "Your Highness, ordinary people need a sum of money to build houses and do small businesses. If they can't raise money in a short period of time, they will borrow money. Those who have a stable income can still repay it."

Zhu Zhanji has never borrowed money before, and he doesn't understand that a penny beats a hero.

"Why don't you go to some small banks to borrow instead of such a big bank. If a big bank with a backing can't pay back the money, I'm afraid it won't be easy."

Another blind spot of Zhu Zhanji's knowledge.

"His Royal Highness, although the lending conditions of such a big bank are relatively harsh, it is expensive because it is formal, and the interest rate is stable. Roll the profit and roll the dead."

Zhu Zhanji nodded after understanding. At the same time, he looked at the people coming and going, and he also understood the needs of the people for loans.

Zhu Zhanqian took advantage of this moment to say: "Brother, the country is developing. Whether it is banknotes, silver, or food stamps, they are more valuable when they are in circulation. Low-interest loans can stimulate the people to develop the economy. Well, it’s good to do some small business.”

Zhu Zhanji finally agreed with Zhu Zhanyi's opinion. Although he doesn't like businessmen, as a future Mingjun, he is more able to understand the sufferings of the people.

"Talk to their shopkeeper." Zhu Zhanji lowered his posture.

After seeing a few people walking around the hall, a person with an abacus came over and said in a low voice, "Do you want a loan?"

Ma Xiang knew that he had come to Jiangjia Bank to do business, looking for people who didn't comply with the bank's lending regulations but needed money urgently to lend loans at rates much higher than the market rate.

Those who can't borrow money can only become the blood-sucking tools of these black-hearted banks.

Just as Ma Xiang was about to leave to chase people away, Zhu Zhanji stretched out his hand and said, "Sir, we want to borrow money."

Seeing Zhu Zhanji's behavior, the person with the abacus walked away as if looking at a fool, leaving Zhu Zhanji who was stunned in place.

"What... what's going on?" Zhu Zhanji couldn't figure out why the man ignored him just now.

Ma Xiang explained: "Your Highness, your words really don't look like someone who needs to borrow money."

"What about people who need to borrow money?"

"Whether it's embarrassing or urgent or sad, His Highness is calm and reasonable, and he can tell at a glance that he doesn't really want to borrow money."

Zhu Zhanji smiled wryly, he really didn't think of this level, the grandson's life experience is still not enough.

Zhu Zhanqian suggested: "Brother, you should call Second Uncle and ask him to take us to meet the owner of the bank directly."

But the relationship between Zhu Zhanji and Zhu Gaoxu is not good. He doesn't like this second uncle from the bottom of his heart, and he doesn't want to communicate with him more.

"Brother, since Ying Tianfu's largest bank is backed by the second uncle and the third uncle, there must be conflicts when we run a bank. Sooner or later, conflicts will arise. Why don't we take precautions before we start to avoid unnecessary conflicts."

"We are promoting food stamps under the order of the emperor's grandfather, how dare they defy the destiny?" Zhu Zhanji was already a little angry.

Zhu Zhanqian shook his head: "Brother, they didn't dare to disobey, but they made some stumbling blocks secretly and couldn't catch them, so we can only have hardships and can't tell."

Seeing that Zhu Zhanji was still unwilling to meet Zhu Gaoxu, Zhu Zhanqian retreated to the next best thing: "Brother, how about this, let's talk to third uncle."

After thinking for a while: "Maxiang sent someone to find King Zhao."

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(End of this chapter)