At the end of Qin, I became a son of the plane

Chapter 473: A Simple Business War
On July 12, the 19th year of the Han calendar, Anxi City.

Hu Hai and Zhuzi recruited some Vaishya merchants who knew Chinese, and some Shudras who knew Chinese as their clerks in Tianzhu. Then, amid the sound of crackling firecrackers, the first store of Fei Hai Money House in Tianzhu was officially opened.

Their first batch of customers were the Indian merchants who were drooling over the large amount of silk, porcelain, tea, sugar and other luxury goods, but did not have enough money to buy them. When they learned that there were money houses in Anxi City, they could get loans as long as they had something to pledge, and the annual interest rate was only 25%.

These Indian merchants who wanted to buy silk immediately went crazy. They took out the properties and land they had purchased in Anxi as collateral, and then took out loans from Feihai Money House to buy the silk, linen and sugar brought by Huhai, and then quickly transported these goods to other cities in India.

Yes, one of the original clerks of Hu Hai Agricultural Bank was a master at killing two birds with one stone. He lent money in this way, making money from both the goods and the interest.

Some Indian merchants went crazy and even mortgaged their wives and children, leaving Zhuzi, who was a first-time shopkeeper, at a loss as to how to deal with the problem.

Of course, such crazy merchants were just a minor incident. Most of the Indian merchants were normal people. For these merchants, Feihai Money House was very considerate. Not only did it offer low interest rates, but it also prepared goods for them directly. They only needed to transport the goods and sell them.

But it was not so friendly to some merchants. They had no land or houses as collateral in Tianzhu. In order to control risks, Hu Hai would not lend to merchants who had not purchased real estate or land in Anxi County at this stage.

But these merchants also have their own methods. Although Feihai Money House has low interest rates, its business scope is limited to the five cities of Anxi. Compared with Tianzhu, this scope is too small. But Tianzhu already has their own financial system, which is their temple financial system. Of course, at this stage it should be called the temple financial system. Their business scope is larger. Not only do they operate in the entire Tianzhu, they have even begun to extend their tentacles to the Western Regions and other places.

Of course, their shortcoming is the high interest rate. Nine out and thirteen back are relatively low interest rates. Most of the loans are above 5%. Before the establishment of Feihai Money House, the merchants in Tianzhu were grateful to these temples. Although the interest rates of these temples were high, the profits from silk, porcelain, and tea were too high, generally three times the profit. Naturally, they did not feel bad about giving % of the profits to the temples.

But now there is a money house that only wants 25% of their profit, but the temple wants more than 50% interest from them. When the Indian merchants think about the 25% profit they will lose, everyone is heartbroken and their hearts almost stop.

What is wrong with this world? Will Lord Shiva still protect them?

Why pagans treat all Shiva's people better than monks.

Many merchants suppressed their anger and showed the monks the interest of the Feihai Bank loan to make them understand that they were too greedy. At the same time, they also wanted to use the Feihai Bank incident to make the monks give up some of their profits. We are all the people of Lord Shiva, so we shouldn't treat our own people worse than outsiders.

But these monks were divided into two groups, and the temples outside Anxi County remained unmoved.
How is it higher? It has always been this rate. Don't spread rumors about heretics, and don't always think that monks earn more. Monks are free from all worries, so why should we care about this little interest? This is all earned for the Buddha, and how can faith be considered as making money? Those who have such thoughts are not followers of the Buddha.

At the same time, they turned the tables and said that these Vaisya merchants made two and a half times the profit, but were still not satisfied. They were so greedy that the Buddha would be unhappy and they would go to the Avici Hell after their death.

In short, the point is, not only is it impossible to reduce the interest rate, they also want to increase it. Silk, these luxury goods of the Seres, can earn more than three times the interest, but you only give Buddha five percent. Do you want Buddha to be grateful to you? Since when did the Vaishyas continue to suppress them, the Brahmins.

For the Buddha, if they earn less, they will suffer a loss. So in the following days, all the temples began to raise the interest rate at the same time. Some raised it to 6% or 7%, and some even doubled it. The merchants in India really worked for these Buddhas. But they had to do this job because the goods of the Seres were selling less and less. They did not accept the high interest, and the goods were snatched away by other merchants. But these merchants were full of resentment.

More people retaliated with their own actions by moving their shops and manors to Anxi County. If you are unwilling to lower the interest rate, then we will go to places with lower interest rates.

Of course, this was outside of Anxi County. In the five cities within Anxi County, the interest rate did not rise, but kept falling, because these Buddhas had competitors. Hu Hai quickly established five money houses, and the loan interest rates of the money houses in these five cities were all 25%, which was enough to make the Indian merchants forget about the Buddha.

It is better not to have such a sect that hinders them from making money. There is more than just Buddhism in India. At worst, someone can believe in Brahmanism and become a follower of Brahmanism.

Faced with the competitive pressure brought by Feihai Money House, they had to lower the interest rate, but these Buddhist masters were not convinced in their hearts, thinking that these Seres were destroying the traditions of India again.

These Buddhists hated Hu Hai so much that when they were preaching to their followers, they would bombard Hu Hai, saying that he was a devil from Seris who came to seduce Buddha's followers.

Feihai Money House "maliciously" reduced loan interest rates, destroying the traditions of India. The devil Huhai also used high salaries to lure Buddha's believers to work for him, disrupting the normal order of India. The high salaries would make young people lose the motivation to struggle, thereby corrupting the believers of India and making them lose their pure faith.

All believers who work for the devil Hu Hai will go to the Avici Hell and suffer all kinds of hardships. They will also be reincarnated as pigs, dogs and animals in the next life.

Ever since Hu Hai opened his first Fei Hai Money House, his notoriety began to spread far and wide. All the children in India knew that there was a devil from Seris who came to harm the Indians. If they encountered this devil, they had to beat him to death.

Temples in other places, even for their own interests, tried to ruin Hu Hai's reputation and make it impossible for Fei Hai Money House to operate in their territory. As a result, in less than two months, Hu Hai's notoriety surpassed Zhang Yong's.

Hu Hai found out about this. It was not his character to just take a beating without fighting back, not to mention that these temples were his competitors. When he learned that the temples in India could still borrow money, he regarded all the temples in India as his enemies.

Tianzhu is the private land of his Feihai Money House, how can he allow these temples to be destroyed? A good charlatan should play tricks on the people and not the financial industry? How can a charlatan understand the financial industry?

On August 20th, the 19th year of the Han calendar, Anxi City.

The other shareholders of Tianzhu Trading Company did not stay in Anxi City for long, but left their assistants and shopkeepers in Anxi City, and continued to sell their goods in the commodity exchange. They returned to the Han Dynasty with Tianzhu's gold, silver, gems, spices and prisoners of war. Only Hu Hai needed to consolidate the foundation of Feihai Money House in Tianzhu and eliminate his competitors before leaving.

Anxi City, the teahouse opposite Feihai Money House.

Hu Hai was sitting on the second floor of the teahouse, looking at his own money house. However, ten Shudra soldiers wearing leather armor and holding short sticks were already standing outside the Fei Hai Money House as guards. They watched the pedestrians around them vigilantly. As long as there were pedestrians who dared to make an attacking gesture, they would immediately surround them, beat them up with fists and kicks, and then capture them and escort them to the Anxi prisoner camp.

Yes, this is how the temples in Anxi came up with the idea to deal with Feihai Money House. They let their believers harass Feihai Money House. Seeing such tight protection, these believers dared not to smash, loot, or burn, but they dared to throw stones at people, or threaten other Indian believers not to go to Feihai Money House to handle business. They wanted to harass Feihai Money House in this way, so that it could not continue to operate. The business war in India was simple and crude.

Outside of Anxi County, Brahmins have already offered a reward for the head of the devil Hu Hai. These monks have money, you offer 200 gold, he offers 300 gold. Soon, the total reward exceeds gold. Hu Hai has become the person with the highest reward in the history of Tianzhu. It can be seen how much these Brahmins hate Hu Hai.

Cutting off someone's wealth is like killing their parents, not to mention that Hu Hai was cutting off the wealth of the entire Indian Brahmins. These people were used to being high and mighty, and used to using power to oppress others. When power could not do this, they would use assassination. After Hu Hai knew that he was on the wanted list, he generally did not leave Anxi City, but stayed in his own nest. At the same time, he was always accompanied by ten Han guards, and the Indians could not get close to him. During this period, Hu Hai had captured more than a dozen assassins, all of whom were suppressed in the prisoner camp and prepared to be taken to Southeast Asia, which brought him a lot of human resources.

Now Hu Hai's thinking has become very capitalist. Even if these assassins are here to kill him, as long as they can bring him benefits, he will not kill these assassins, but will exploit them to the maximum extent.

At this time, Hu Hai's old friend Jiumo Luo came up to the teahouse, and then sat down under the guard's vigilant gaze and said, "Hu Hai, what do you want to see me for?"

Hu Hai smiled and said, "The master and I are old friends. Isn't it normal to see a friend before leaving?"

Jiuma Luo shook his head and said, "If you continue to stay in Tianzhu, you will lose your life. You Han people have an old saying, there is only a thief who can steal for a thousand days, but no one can guard against thieves for a thousand days. You can defend against thousands of assassinations, but if you fail once, your life will be gone. If I were you, I would leave Tianzhu as soon as possible."

Jiumaro understood Hu Hai's current situation very clearly, and he was even happy to see it. He was also the abbot of the temple, and usury was also one of the main sources of income for Brahmanism. As soon as Hu Hai's money house appeared, the income of Jiumaro Temple dropped sharply. You must know that Jiumaro is different now from the one he was a year ago. He now has dozens of disciples and hundreds of servants to support, and his temple is under great pressure to generate revenue.

The Han people like to control the sky, the earth, and the air. Believers are not allowed to offer tributes to the land, and temple land is not allowed to be tax-exempt. Zhang Yong even requires him to record every penny of the donated money. At the end of each month, Zhang Yong would send his men to take the money and use it to repair the city and the highway.

Jiuma Luo went to Zhang Yong to argue why Buddhism did not control temples so strictly, but his Brahmanism did. Zhang Yong swore: "Brahmanism was established under the guidance of our Han people, so it should be under the control of our Han people."

Jiuma Luo was so angry that he wanted to popularize the history of Brahmanism to Zhang Yong. Brahmanism has a history of thousands of years and was not established under your leadership. However, Jiuma Luo's words also inspired Zhang Yong to start checking the accounts of Buddhist temples. The Tianzhu coalition had suffered two major defeats, and they were still in contact with the coalition. These Buddhists were also afraid that the devil Zhang Yong would use their contact with the coalition as an excuse to deal with them.

Faced with Zhang Yong's many unreasonable behaviors (asking Buddhist monks to pay taxes), the Seres people had no choice but to endure it because of their strong military force, so that many Buddhist monks began to learn to cook the books. After discovering this situation, Zhang Yong did not investigate it further, but just plundered the Buddhist temples when he was short of money.

Almost everyone in India is a believer, either in Buddhism, Brahmanism, or other strange sects. Even a stone painted with a little paint is believed in by people. Most of the Indian people in Anxi believe in Buddhism, so Zhang Yong did not dare to exploit these bald donkeys too much. Both sides had their concerns and jointly maintained this fragile balance.

Even Jiuma Luo cursed Zhang Yong in his temple that he would go to the frontal hell after his death, but he did not dare to let Zhang Yong die. His Brahman temple was surrounded by Buddhists. Without the support of the Han people, he would have been driven away long ago. So he had a very complicated feeling about the power of the Han people. He knew that he could not stay in Anxi City without the support of the Han people, but he also resented the Han people for not giving him the status he deserved. When had the status of Brahmans been so low?

Hu Hai smiled and said, "I heard that the master has not been doing well recently, and many of his disciples have become thin due to hunger."

Compared with other sects with industries, Jiuma Luo's temple was established too late and had too few industries. Other temples still had some savings, but Jiuma Luo could only eat up all the savings. In a sense, Jiuma Luo was the one who suffered the most from Feihai Bank.

Jiuma Luo said angrily: "You Han people are too arrogant. You always think that everything in the Han Empire is good. When in Rome, do as the Romans do. But you have never done that in India. Instead, you wantonly destroy the traditional rules of India. The city owner Zhang Yong is such a person, and so are you, Hu Hai. For thousands of years, foreigners who came to India have always followed the Romans to gain a foothold."

Jiuma Luo looked at Hu Hai and said sternly: "Without exception, if you Han people continue to wantonly destroy the Indian system, tens of millions of Indians will be hostile to you, and you will eventually be driven out of this land."

Jiuma Luo's words were serious, but Hu Hai said calmly: "My Han silk, tea, porcelain, sugar and other luxury goods, which one is not a good thing?"

Kumarajiva really couldn't say against his will that these things were bad. Even the steel of the Han people was stronger than that of India, and the linen was stronger, more durable and cheaper than that of India. In fact, everything the Han people brought was better than that of India.

"The facts have proven that the things of our Han Dynasty are good, while the things of your Tianzhu can only be presented with some gold, silver and gems. If you Tianzhu had more good things, I wouldn't have to rack my brains to think of what goods to bring back to the Han Dynasty."

Jiuma Luo proudly retorted: "But our India also has its own advantages. Our four-class caste system has made Indian civilization flourish for thousands of years. This is the best cultural experience of our India. Over the past thousands of years, even if foreign races invaded our India, they would be assimilated by our India."

Hu Hai said calmly and domineeringly: "After all, the rules of this world are made by the strong. The foreign races that entered Tianzhu before were only powerful in military force but empty in culture, so they were assimilated by you Tianzhu. However, my Han Dynasty is a powerful dynasty in all aspects. Even if you come to Tianzhu now, you Tianzhu people should follow my Han Dynasty's system, not your Tianzhu's original system."

Kumarajiva was speechless for a moment. As the only monk from India who had been to Han Dynasty, although it was only Korea in the south, he could feel the power of Han civilization better than any other Indian. Han civilization was not only strong in its military power, but also in all aspects of its economy, culture, and political system.

The Han Empire had a powerful sage king who pushed the Han civilization to an unprecedented level of power. The Han civilization wantonly expanded their territory. According to the historical records he had read, hundreds of years ago, the predecessor of the Han Dynasty was a dynasty called Zhou, which was also the heyday of the Han civilization. They assimilated and eliminated dozens of ethnic groups around the Zhou Dynasty.

The saddest thing about India is that it was discovered by the Han civilization during its golden age of development. Even thousands of miles of ocean could not stop the Han people from entering India.

Thinking about the bleak future of Tianzhu, Jiuma Luo sighed and said, "Do you want to show off the strength of the Han people in front of me again before you leave?"

Hu Hai said: "I am not so bored. I want to unite with you. I know you are in financial difficulties, so I am willing to give you half of the dividends from Tianzhu Feihai Bank."

Jiuma Luo looked at Hu Hai hesitantly and said, "You Han people have a saying that one should be loyal to the emperor if he provides you with food. Do you have any plans to take out such a large sum of money?"

Hu Hai said: "I now hate the temples and monks in Anxi County. These monks do not produce anything and do nothing all day long, but they are extremely greedy. In my Han Dynasty, such people have an ugly name, called exploiters. Such people in my Han Dynasty are to be overthrown and exiled to the border."

Jiuma Luo said: "I also hate these monks, but they have many followers in Anxi City. Even City Lord Zhang Yong doesn't dare to touch them easily."

Hu Hai said: "You see, there are many people who hate them, and many people who want to deal with them. As long as their followers are stripped away, they will be nothing more than a group of fat charlatans."

Jiuma Luo smiled bitterly and said, "Buddhists have been operating here for hundreds of years. You can't just strip them away as you wish."

Hu Hai laughed and said, "Master, have you read the Han emperor's theory of friends and enemies?"

(End of this chapter)