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Chapter 722: Run 2
Today was the day that both parties had agreed to withdraw the silver. The two men arrived with a horse-drawn carriage early in the morning. The Sun Moon Bank had also really prepared 200,000 taels of silver, which they counted box by box in front of the bank and then loaded onto the carriage.

Silver in the Ming Dynasty mainly existed in three forms. One was silver ingots, which usually had various weights such as 50 taels, 20 taels, 10 taels, 5 taels, and 2 taels, and were cast into ingots or steamed buns.

One type is called silver coins, which are silver coins brought by merchants from Spain, Portugal and the Netherlands. Their weight is not uniform, and their quality varies. They cannot be circulated except in a few coastal port cities, and most of them are melted into silver ingots.

There is also a kind of silver called Woyin, which is silver that flowed in from Japan. It looks a bit like a Buddha amulet, flat and rectangular, with simple patterns and words on it. It is called Yinpan in Japan. In the Ming Dynasty, it was almost melted and rarely circulated in the market.

But since the Sun Moon Bank came into being, there was one more type of silver that could be circulated in the market, the Victory Silver Coin. It was also one of the ways that the Sun Moon Bank kept its silver in reserve. After hard negotiations, the customer finally agreed to pay half in silver ingots and half in silver coins.

The consequence was that Sun Moon Bank could no longer conduct normal business because it had to monitor the weighing, quality inspection and packing of each silver ingot. The inspection of 2000 silver ingots weighing 50 taels each attracted many onlookers, who spread the news.

"From the sound of his accent, he's from Quanzhou, and his last name seems to be Huang. But some of the hangers-on around him have northern accents, so they're not here with good intentions." Uncle Fang arrived early and had a better understanding of the situation, but he couldn't say anything too specific, and just kept shaking his head.

"Why do you think so?" To be honest, Lin Liang was still quite worried about Sun Moon Bank.

In any case, if I hadn't had a bank loan, it would have been much more difficult for me to buy a ship. Even if I had borrowed money, the high interest would not be easy to pay off. It would probably be more than twice as hard as it is now.

"It's easy. Look, they insist on not accepting all coins. Why is that?"

"What?"

"To attract attention! If they accept silver coins, you won't be able to see this scene even if you ride a post station horse." Uncle Fang pointed at the backs of the people squatting beside the boxes checking silver ingots at the bank door, and revealed the secret in one sentence.

"Oh... that's true. Now that you put it that way, it makes a lot more sense. If they were from Quanzhou, why would they need to collect silver ingots? They could just use silver coins. But thinking of using more than 200,000 taels to bankrupt the Sun Moon Bank is a bit too much, isn't it?"

It is said that chatting with an understanding person is a pleasure. Just a few words made Lin Liang suddenly enlightened, but then he had another question. Even if the other party was deliberately running the bank, it was still a bit unreasonable, mainly because the amount was too small, not enough to cause any serious damage to Sun Moon Bank.

"Don't worry. I guess they are just the first wave. They want to create momentum first and let more people know. Then they will get serious."

Uncle Fang did not hide anything. He really wanted to watch the fun and show off his quick mind and broad knowledge in front of everyone. More importantly, he really enjoyed being the only sober person among everyone else.

"Mr. Fang, if the Sun and Moon Bank collapses, what should we do with the bonds we bought? You have traveled far and wide and have a lot of experience. Please give us some pointers on a way out!" Look, the effect is there. There are not only those who are just here to watch the fun in the crowd, but also many who have their own interests at stake. They immediately became nervous when they heard what he said.

"That's not difficult. Just take out the bonds and someone from our side will buy them all. Since we're from the same village, I'll give you a 10% discount and you can pay in cash!" This is when you have to see what a pure businessman is. No matter how comfortable the psychological enjoyment is, it will not interfere with making money. Business tips come to mind, and they are steady, accurate and ruthless in their actions, without any ambiguity, and they specialize in taking advantage of the familiar.

"Tsk... fuck my mother..." Then there was an uproar, and some people even cursed. What a fucking bastard, this is just taking advantage of the situation, and yet he still said it in such a pitiful way.

"...Uncle Fang, aren't you afraid that the bank will go bankrupt and all the bonds will be in your hands?" When it comes to bonds, Lin Liang's ears immediately perk up. Two hundred taels of silver is nothing in Uncle Fang's hands, but once he loses it, it will be a huge sum for him.

The advantage of being a shipowner is that it is stable. Unlike sea merchants, you can't get rich by catching opportunities. You earn money through hard work. I wanted to sell it at a 10% discount to stop the loss in time, but I couldn't figure it out no matter how hard I tried. In the end, I asked questions that I shouldn't have asked.

"Liangzi, you have the same problem as your grandfather, you are too timid. When we went to sea with your grandfather, he was always careful to keep his duty, not stealing or robbing, but in the end... Well, it's good for you to stop doing business and become a shipowner, but you can't be too honest. When encountering things, don't just look at what others say, but think more deeply.

Come on, come on, take up your seat, I'll be back later. Come on, Liangzi, let's go sit over there and have some tea. The big fun is yet to come, let them sing first, the opening show is not good to watch. "

Uncle Fang seems to treat Lin Liang differently from others, like an elder caring for a younger generation. The specific reason is also mentioned. He and Lin Liang's father Lin Haisheng are childhood friends, and Lin Liang's grandfather is also a guide. Now that the elders of the Lin family are gone, caring about Lin Liang can be regarded as a kind of repayment.

"Liangzi, you are a well-known young man in Yuegang for your ability to sail. Those two soft-sailed clippers are also rare and good ships. You are also in the reserve. Why do you always go back and forth between Da Nang and Manila, and are unwilling to go to Coconut City, Da Nang and Malacca?"

Uncle Fang pulled Lin Liang off the millstone, walked through the crowd and found a teahouse to sit down at the riverside a hundred meters away. The teahouse owner also went to watch the fun, so the two of them simply made a pot of tea and chatted while drinking.

"I don't think it's safe. The foreigners like to smuggle goods in the cabin, and those who run plantations are all vicious." Lin Liang gave the answer without even thinking.

"They are smuggling goods and the customs and patrols are in charge of it. It's none of your business if they are found out! How can you get so much insurance to make a living on the sea? The real thing is to have your own ability.

Your ship was replaced from the navy. There is still a gun carriage slide on the deck, and the hull planks are more than twice as thick as those of ordinary ships. It was not meant to be used simply for loading cargo, but you insist on using it as a cargo ship. How can you not suffer a loss?

Listen to me, go get a loan from the bank, and I'll go to Guangzhou and ask someone to buy a few cannons for you. You and your buddies have all learned how to use them. In the future, you won't be transporting ordinary goods, but only expensive goods. The freight for one trip will be equivalent to three or five trips you have now."

After hearing this answer, Fang Shu almost spit out his tea, his eyes full of disappointment. He simply stopped beating around the bush and told him in detail how to make money by arming merchant ships.

(End of this chapter)