Reborn in the last years of Kangxi

Chapter 789
Wutong Court, a small study.

Cao Yong has been "burning the lights and fighting at night" for several days, and his eyes are red, before he finished a "Daqing Bank Plan".

Like the banks of later generations, the main business of this bank is deposits, loans and exchanges.Because the bank deposits in the past needed to support "custody money", so very few people deposited silver in the bank.Banks mainly make a living by lending and exchanging money, and some of them undertake the payment of the Eight Banners' salaries.

Cao Yong had been exposed to the "Economic Law" and "Financial Law" in his previous life, but he hadn't used them a few times in his two lifetimes, and he almost forgot about them.

Now, what he sorts out is only the rough banking theory that he can understand.

It's nothing more than "collecting armpits and making fur" and "regulating the capital loan interest rate".The former can quickly gather funds; the latter can effectively intervene in the capital lending market, and can even run against peers, quickly standing out in the industry.

Perhaps because of these two items, the loan business of many banks in the capital will be damaged, but Cao Yong does not regret it.

According to the inherited law, it is stipulated that the interest on loans shall not exceed three cents per month. Although there are many years and months, it is only one interest per penny, and no compound interest is allowed; Borrowing and confiscating people's real estate and land.

Rules are dead, people are alive, it is true.

According to Cao Yong's investigations these days, five cents interest on private loans is considered low, and some even reach eight cents or ten cents, and they are still compound interest.People who went bankrupt due to usury are endless.

In addition, the people who lend money are mostly high-ranking and prominent households, run by evil servants and slaves, and it is not uncommon for people who are unable to repay them to sell their sons and daughters.

Closing the plan in his hand, Cao Yong looked at the table, maybe the two errands that Kangxi asked Brother Sixteen to pass on the message, can pass this and finish together.

The first bank is owned by the Ministry of Internal Affairs; when the business improves, the Ministry of Household Affairs will come forward to open the second bank.

A flower blooming alone is not spring, but a hundred flowers blooming together makes the garden full of spring.

Then, from the capital to the provinces, the convenience of government intervention is obvious.

Perhaps in this process, there will be unforeseen disadvantages, but relying on the bank's funds to temporarily alleviate the shortage of the national treasury is considered a success.Of course, when this "Bank of Great Qing" is established, it is necessary to formulate some deposit and loan interest rates, so as not to form a vicious circle.

After the plan of opening a bank was mentioned to Han Jiangshi, it aroused Han Jiangshi's great interest.Returning to her ancestral business is also very attractive to her.

The reason why she didn't go back to Yangzhou and chose to stay in the capital was also because she didn't want to be an ordinary woman raised in the inner house.In this life, I can't afford to be a daughter, and I miss the opportunity to be a wife.Now, besides being a mother and raising Hui'er, she also wants to do something.

The next day, Cao Yong invited Han Jiang's family to come over to discuss the matter.

Unexpectedly, no matter it was [-]% of the shares or half of the shares, Han Jiangshi would not want to partake of them.

She said this: "Share dividends have advantages and disadvantages, and it is related to the Ministry of Internal Affairs, so I dare not share profits with today."

Even Cao Yong, as He Shuo's son-in-law, shunned in front of the prince and the prince, unwilling to share the profits; she is only a daughter of the people, how dare she overestimate herself.

It is the nature of businessmen to chase profits.

Hearing that Han Jiangshi voluntarily gave up these shares, Cao Yong looked at her with some surprise.Originally, he was still worried about Han Jiang's calculations, and wanted to persuade Han Jiang to take a step back, accept half of the shares, and transfer the other [-]% of the shares to Sixteenth Brother and the others.

The original plan for the ninth elder brother, sixteenth elder brother and Prince Jane to participate in the shares, but now it seems that it is not feasible.

The cost of starting this bank has far exceeded expectations, and the income has also exceeded expectations. When the three clans own half of the shares, for them, it will not be a blessing, but a curse.

At this time, Cao Yong finally understood Han Jiang's concerns.

The current "Jin Shang" is Kangxi, and he will not care about these things with the ninth elder brother and the sixteenth elder brother; tomorrow's "Jin Shang" is someone else, will he tolerate several clans sharing income with the Ministry of Internal Affairs?

Compared with Jiang Ning's preoccupation in the past, the half-restrained edge when he first arrived in the capital, and the current honor and disgrace, the Han Jiang family has grown into a qualified businessman step by step.

Looking at the woman who is one year younger than himself, Cao Yong felt a little dazzled.

Who said that women in ancient times were weak and helpless.Han Jiangshi is already much stronger than many men.Looking at her capable and orderly, Cao Yong thought of the "Bone Demon" in the office buildings of later generations.It's just that Han Jiang's family, who grew up in a Confucian society, is a little softer than those aggressive "Bone Spirits" of later generations.

Perhaps it is precisely because of this that Cao Yong is willing to shelter her and is willing to provide her with opportunities to display her talents again and again.

Han Jiangshi noticed Cao Yong's absence, and slowly lowered his eyes, looking at the plan in his hand, his heart was already churning.Even though she is proud, she can't deny that because of Cao Yong's protection, she not only preserves her own property, but also shows her talents in the business world like a man.

Cao Yong never had the consciousness of giving kindness, and Han Jiangshi didn't talk about "repaying kindness".Invisibly, there is an unspoken tacit understanding.

"Master Cao, according to what the woman sees, the remaining [-]% of the shares are not as good as stock raising. There are many rich and powerful households in the capital, and it is not unusual for each household to contribute [-] to [-] silver. Linked to the bank, in the future these People, as well as relatives and friends of these people, will recognize their own related businesses, which not only saves time, but also prepares the money for the opening." Han Jiang said, calming down.

"Stock collection?" Cao Yong listened, nodded, and said: "It's a good idea, but how much should you start with? There must be an upper limit, or else you can cover all the shares with the financial resources of Brother Jiu. It's just In this way, Elder Sixteen will suffer a bit."

Han Jiang thought about it for a while, and said: "Otherwise, the shares will be limited. Jiu Beizi, Sixteen Brothers and Prince Jian will each share five shares, and the remaining [-]% will be collected from the royal family in the capital. The upper limit is two shares, and the lower limit is two shares. One cent. In this way, at least dozens of dignitaries can be gathered."

Although the shares of Ninth Brother, Sixteenth Brother and others have dropped sharply, they have become less conspicuous. When the bank profits come out, they will also earn a lot of money.

Cao Yong nodded, and said: "Then 2000 taels of silver per share, 100 taels per centimeter. In this way, if [-]% of the dry shares of the Ministry of Internal Affairs are released, the remaining shares can save up to [-] million taels of silver. enough."

Han Jiang's eyes were shining, and his face was full of anticipation. He said, "Master Cao, when will we start preparing for this matter?"

Cao Yongdao: "Prince Jane's side doesn't count. Brother Jiu and Brother Sixteen will intervene in this matter, and you have to discuss with them, and then send a note to Rehe to ask for an order. It will be early May at the earliest. If you I'm free recently, so I'll make some rules based on the bank. It saves me from messing around and repeating things."

Han Jiangshi nodded in agreement, Cao Yong hesitated for a moment, and said, "How much will you participate in?"

"If there are not many people who participate in the shares, you will get two points; if there are many people, you will get one point." Han Jiangshi replied.

"It's two points, I can't make you busy. This involves the government. After three to five years, when it becomes a scale, the management right will always be transferred to the Ministry of Internal Affairs." Cao Yong said truthfully.

"Women are not short of money." Han Jiang said softly, "Women just want to try to see what it's like to open money houses all over the country."

Cao Yong counted the time, and there are still four years before the fourth elder brother came to power.In the past four years, as long as the sixteenth elder brother is in charge of the Ministry of Internal Affairs, the position of the Han Jiang family will be considered secure.

He nodded and said, "Okay, Cao will wait and see."

Han Jiang looked up at Cao Yong, and said, "Master Cao, wait until the Ministry of Households opens a bank, and when the provincial banks open banks, can private merchants open?"

Before Cao Yong could answer, the Han Jiang family sighed and said, "It's the common people's delusion. Not to mention that to open a bank now, you need to go with five joint guarantees; it means that if a citizen doesn't fight with the government, he can't compete with the imperial court's industry."

Although cruel, Cao Yong still said bluntly: "Even if it can be opened, it will not last for a long time. No matter when, there is no power to rely on, and the accumulation of wealth by merchants is just a cloud."

Han Jiangshi was a little sad when he heard the words, but he also knew that what Cao Yong said was the truth, so he could only sigh...

*
Han Jiangshi knew the power of power, so he could only sigh.Brother Sixteen looked at Cao Yong's plan and frowned.

"Furuo, not to mention anything else, is the 10 taels of silver for the five-cent shares, isn't it embarrassing me? You don't know my family background. It would be nice to have 8000 taels of silver in your hand. I know you have Silver, but it’s not good to make it public at this time.” Elder Sixteen said in embarrassment: “In addition, 10 taels of silver is only five shares, Brother Ninth and Prince Jane may not buy it.”

"Jiu Ye has the worst vision for economic affairs, and he will buy it. If I expect it to be true, he will also ask other people to buy more shares in his hands. This is not our concern. Prince Jane's side , but Master Shiliu sold his favor to express his opinion. If he is willing to agree or not, this favor can be regarded as a gift." Cao Yong thought for a while and replied.

The sixteenth elder brother saw that Cao Yong had finished the question between the ninth elder brother and Prince Jian in a few words, and left his head alone, touched his chin, and said: "How about I borrow money from Huang Ama? It was not originally intended Is the Ministry of Internal Affairs prepared to provide 20 taels of silver? Since it’s no longer needed, why don’t I borrow [-] taels?”

Cao Yong nodded and said: "Yes. But this must be kept secret first, otherwise I am afraid that Master Jiu will follow the example and follow the empty-handed white wolf."

Without further ado, the two of them arrived at Jiubeizi Mansion together without wasting time.

Sure enough, Brother Jiu disliked the lack of shares.He had already gotten wind of it before, and knew that it was the sixteenth brother who took the lead.He already regretted it in his heart, if he hadn't accepted the tobacco errand, he would have taken over it directly.

Buying and selling in money is a big deal.

According to his budget, he could get at least [-]% of the shares, but he didn't expect that there were only five points left.

The sixteenth elder brother can speak more, so naturally he mentioned the idea of ​​ten or twenty years later.Brother Jiu understood after listening to a few sentences. To put it bluntly, he was just being cautious, fearing that the new emperor would be dissatisfied if he took too many shares.

He snorted coldly, glanced at Cao Yong who was sitting first, and said to Brother Sixteen: "Master Sixteen, now you are the prince of real gold and silver, in the future you will also be a dignified brother of the emperor, what are you afraid of? It’s really close to black.”

Cao Yong is by the side, only making false news.

It's better to be cautious than flamboyant.Ninth elder brother is flamboyant enough, so what will happen?
It's just that the bridge returns to the bridge, and the road returns to the road. Cao Yong is not the savior, so he has no interest in talking.

"Ninth brother is right, but younger brother is afraid. What is the status of younger brother? I am afraid that Baylor in the clan is more noble than me." Sixteenth elder brother bowed his head while holding a teacup.

What happened in the past few months made Elder Sixteen a little more tired.As a favored prince in the eyes of outsiders, he is still struggling. He seems to understand what it means to be "startling at every step", and he can; he understands why Cao Yong chooses to be low-key and forbearing.

There is a knife on the word "forbearance".Even if it is difficult, you have to bear it.

Seeing that sixteenth elder brother is so low-key, ninth elder brother is a little bit embarrassed to say anything.The sixteenth elder brother has always come to things, and he treats his brothers respectfully, and has a good relationship with the ninth elder brother.

He coughed twice, and said: "A few days ago when I sent Er Niang out of the palace, I heard Er Niang mention that Huang Ama intends to become a concubine. Maybe there will be good news about the concubine."

Elder Sixteen's eyes lit up when he heard the words, and he said, "Brother Ninth, are you serious?"

Seeing this, Brother Jiu smiled and said, "What are you doing? It's just that there is this letter, but I don't know the exact time to seal it. If it is fast, it will be down before the Dragon Boat Festival; if it is slow, it may have to wait for St. Drive back to Beijing."

Elder Sixteen was overjoyed to hear that, as he got older, what he missed most was his biological mother, Concubine Wang.Although Wang Concubine has the treatment of a concubine, she is only a noble person with a serious title.

Even Cao Yong was happy for Brother Sixteen when he heard it.In addition, there are the birth mother of the seventh elder brother and the birth mother of the seventeenth elder brother.Although the birth mother of the seventh elder brother was called a concubine, she was not formally conferred; the mother of the seventeenth elder brother, Mrs. Chen, was a nobleman who had been silent for many years.

After all, the concubine Wang is considered a favorite concubine, and she is often accompanied by her escort. She rarely spends time in the palace, and there are always times when she cannot be taken care of.I heard that years ago, there was a young nobleman who bullied Mrs. Chen. Elder Seventeen was ill at the time. Hearing this, he vomited a few mouthfuls of blood, and he stayed in bed until now.

In the harem related to the Cao family, there is also Mrs. Xigui, the biological mother of the 21st elder brother.Although she also gave birth to a prince, compared with other concubines who have been in the palace for decades, her qualifications are a little lower, and whether she can be canonized is only a matter of five or five.

Seeing Brother Sixteen being so happy, Brother Ninth softened his expression and said, "Five points is five points. I believe Brother Sixteen will not waste this time. The upper limit of others is only two points. Can you think about it?" Keep five points for my brother, which is considered to be a face for me, and I will not make things difficult for you. But you yourself, have not yet divided the government, where are you going to fiddle with the 10 taels? Otherwise, I will pull you and help you make up some ?”

Elder Sixteen shook his head and said: "No, no, my brother has a place to borrow money. To be honest, Brother Ninth, this time my brother wants to do a good job in a big business, and it can be regarded as a face to Emiang. Brother no Dare to make a guarantee and talk about how to make a fortune, but according to the implementation of this plan, the future profits will make many people jealous. If Brother Nine has spare money in his hands besides the five-cent shares, he might as well look for a few A name, more shares. This is just my brother's suggestion, if we can get back our capital, there is no risk, my brother doesn't dare to pat his chest, and Brother Nine has to make his own decision."

Brother Sixteen glanced at Cao Yong when he said "the place to borrow money".

Brother Jiu saw it in his eyes and thought that Brother Sixteen was going to borrow from Cao Yong, which made him a little uncomfortable, but he let it go.Then he was quite touched by Elder Sixteen's suggestion.But with Cao Yong around, he couldn't say much, he could only say vaguely: "I'm just a baby boy, with a salary of 300 taels a year, and the Zhuangzi under my name can't compare to the brothers who are named princes..."

The sixteenth elder brother was just talking, as for the ninth elder brother's behavior, he didn't worry about it.

After the ninth elder brother was settled, Cao Yong joined hands with the sixteenth elder brother to Prince Jane's mansion.

In the six months since Yang Zimo's death, Yaerjiang has changed a lot.It is said that he dismissed all the boy molesers in the mansion, and even rejected the boys sent outside.

In the eyes of the world, the "golden house hides the beauty" in the past two years is a beauty.However, with Yarjan's arrogant style, he is not a secretive person.Yang Zimo was famous in the capital in his early years, and many people had met him.But because of Yaerjiang's power, no one dared to provoke him.

It wasn't until Yang Zimo passed away that some gossip came out vaguely.

Some people are not ashamed, while others secretly admire Ya A Jiang A's long love.When Yang Zimo went to the funeral, Yaerjiang cut off a half-foot-long braid and buried it with him, which was already treated as a wife.

Seeing Cao Yong and sixteen elder brothers visiting, the arrogance in Yaerjiang's expression reduced a bit.Contrary to Cao Yong's expectation, when he heard about the bank, Yaerjiang agreed with the 10 taels of silver without frowning.

The sixteenth elder brother was shocked by the wealth of Prince Jane's mansion, and at the same time admired Yaerjiang's courage.

He only said one sentence: "I don't worry about Cao Yong's work."

While speaking, Yaerjiang looked at Cao Yong with a little more understanding.It seems that he understands that the purpose of pulling himself into the shares is to help the sixteenth elder brother support the market, and also understands that compared with others, the upper limit of two points, the five-point share is also the favor of Cao Yong and the sixteenth elder brother.

Cao Yong here, quite touched.

Whether it is the father's side, or the father-in-law and brother-in-law's side, they are often worried about Cao Yong's actions.Of course, it's because of caring and chaos, but also because he is young and somewhat mistrustful.

But I don't know where Yaerjiang's unhesitating trust comes from...

*
After communicating with Brother Nine and Yaerjiang Abdu, Brother Sixteen wrote a note and handed it to Yuqian together with Cao Yong's "plan".

It has been five days since Shengjia left Beijing and he is still on his way.But Elder Sixteen is impatient and can't wait anymore.If this plan is implemented smoothly, the Ministry of War will not be short of money if it wants to transfer troops before the end of the year.

It is also a novelty to lend money to the court and collect interest.Elder Sixteen thought about it, and got a little excited.

In addition to handing the booklet to the imperial court, Elder Sixteen also wrote a letter from home to the concubine Wang, asking about the concubine.Since Concubine Yi said it, then the matter is almost inseparable.

For the sixteenth elder brother, it is more important for his mother to officially obtain the title of concubine than his own title.With an official title, no matter how he and the fifteenth elder brother will achieve in the future, Wang Concubine's support in the harem will not be a problem.

On the day when the sixteenth elder brother's booklet and family letter were sent out, an edict came to the Ministry of Rites: "The mother of Wang elder brother and others prepared a palace for more than 54 or [-] years. Although they are called concubines in the palace, they have not yet been granted the title. Erjijite family, Hepinguerjia family, and Dajia family, the mother of Chunjun Wang Yinyou, were concubines. Wanliu Hashi, the fifteenth elder brother Yinyu, and the sixteenth elder brother Yinlu were granted the title of concubine. The mother Wang, and the seventeenth elder brother Yinli's mother, Chen, are concubines. Erbu's investigations are all played."

*
The Bank of Great Qing is about to open, Xiao Cao started to spread his wings, and Xiao Jiu asked for a monthly pass, ^_^.

(End of this chapter)