Blood from Daming

Chapter 282 Commentary
Mr. Pan Ruzhen, the political envoy of Zhejiang Chengxuan, was still hesitating after hearing Yan Sanniang's words. Yan Sanniang smiled and said to Mr. Pan Ruzhen, the political envoy: "Although this ginseng is good, it will play a better role if you take it."

Chief Minister Pan Ruzhen was surprised and said, "Master Yan, what do you mean by that?"

Yan Sanniang said: "Your Excellency, taking this top-quality ginseng will benefit the people even more when you are in good health. I am not sending ginseng, but health. It is for the benefit of the people in Zhejiang."

The chief envoy, Pan Ruzhen, was overjoyed and said, "Yes, yes, this is Mrs. Yan's gift of health. Everyone, please accept the health." So the officials in the room happily put the wrapped ginseng into their sleeves. Hidden.

Chief Minister Pan Ruzhen led a group of officials out of the Sanjin temporary exhibition hall, and retreated to the Erjin main hall living room. In the Erjin main hall living room, there were also many wealthy businessmen from aristocratic families listening to the storekeeper Du and his assistants from the "Sanjiang Huitong" bank explaining the north and south goods in the business room. Regarding the circulation and remittance of bills between the north and the south, seeing the chief envoy Pan Ruzhen and his party coming out, everyone stopped talking and automatically moved to the side.

Chief Minister Pan Ruzhen said with a smile: "Well said, you continue to talk, this is a shop, the government and the people are equal."

But none of the wealthy businessmen from the aristocratic families spoke. Chief Minister Pan Ruzhen smiled and said: "Master Yan, let's leave, so as not to restrain these people."

After speaking, Chief Minister Pan Ruzhen led all the officials and was about to leave. At this moment, wealthy businessmen from aristocratic families in the room started clamoring, expressing their desire to hear from Yan Sanniang about the business of the "Sanjiang Huitong" bank. He said in amazement: "Everyone can appreciate it, but I am an official of the court, and I am not proficient in business. This may make me embarrassed."

The head of the Zhang family who bought the Wu Family's Drunken Immortal Building from Yan Sanniang said: "Master Yan, no matter how good the shopkeeper Du's words are, it's better to use a word of yours. Our merchants in Hangzhou City will recognize you, Master Yan."

Chief Envoy Pan Ruzhen encouraged: "Master Yan, please tell me something new about this bank, and give us officials some knowledge."

Yan Sanniang had no choice but to say: "Since Mrs. Pan and all the distinguished guests think highly of me, let me tell you, and you can ask any questions you have."

The head of the Zhang family asked: "Master Yan, please talk about the business of Huitong North-South bills."

Yan Sanniang sorted out her thoughts and said, "Everyone, Huitong South-North Notes is a new type of business launched by the "Sanjiang Huitong" bank to serve the merchants of the Ming Dynasty. A sum of money to go to the capital city or Datong Prefecture, but if there are robbers on the road, it will be unsafe, so you can issue a bank note at our "Sanjiang Huitong" bank, and you will give it to the "Sanjiang Huitong" bank to exchange for the same amount of gold and silver. Banknotes can be exchanged for real gold and silver at the "Sanjiang Huitong" bank in Beijing or Datong Prefecture. However, the exchange of banknotes requires a proportional business fee of one tael for every 100 taels of silver. "

When Yan Sanniang mentioned this, the people in the room became more mentally active. Some small banks have also done this bank note business in a small area, but it is not very recognized by everyone. I will give you thousands of real money. Holding a piece of light paper flower, that brother-in-law believed this, if you ran away with your bag, would I still be throwing stones at the sky.

However, everyone knows the financial resources of the Xue family of the Ming Dynasty. They monopolized more than half of the foreign trade in the entire Ming Dynasty. They all saw that Yan Sanniang made a small fortune in the Wu family's reverse production. Those who knew the inside story estimated that Yan Sanniang not only benefited from the Wu Qian family in Hangzhou City, but also took 60 gold and silver contributions from the wealthy businessmen of the family. , and there are many treasures and properties of the Wu family. If the economic credit of the Xue family has not been guaranteed, there are not many people in the Ming Dynasty who can pat their chests on their own economic credit.

As long as the reputation of the bank is guaranteed, the banknotes will be of great use. Think about it, everyone, if you take 1 taels of silver to go to the capital to do business, it takes two horses to pull it. It takes less than half a month to get to the capital. No, two horses on the road eat, drink, and stay at the inn. There are dozens of pieces of silver that can’t come down, not including the expenses of the carriage driver and bodyguards. It's okay, if you don't do it well, you will have to take your life into it. You can easily travel around the mountains and play in the capital city by paying a handling fee of 100 taels and getting a silver ticket.

But other people think about bribes. In the past, giving gifts to officials was troublesome. Of course, some businessmen also gave gifts to high-ranking officials in the house. It’s okay for these businessmen to give small bribes, but it takes a lot of brainpower to give large amounts. Either carry it in a box, or use a jar to send it to the yamen or the official's home. Although it is effective to send money like this, it may be rejected by some officials who care about face. Officials will not refuse.

Everyone understood to some extent that the "Sanjiang Huitong" bank banknotes had many benefits, so they became enthusiastic and wanted to make good use of the role of banknotes in business. Zhang Patriarch said: "Master Yan, you haven't mentioned the business of merchant credit protection."

Yan Sanniang: "Everyone's business of credit rating maintenance means that you have a credit rating in the "Sanjiang Huitong" bank. With this rating, you can go to our other "Sanjiang Huitong" banks to borrow money. The money borrowed at different levels It is different. For example, Zhang Jiazhu was doing foreign trade in Datong, and happened to be short of money, so he could show the credit certificate of the "Sanjiang Huitong" bank in Hangzhou, and borrow a sum of money to successfully complete the transaction. "

Someone in the room immediately expressed that they wanted to apply for a grade, and more people kept asking about the conditions of the rating. Yan Sanniang said: "The condition of this rating is to exclude the property and real estate that the family can guarantee, and the real estate owned by the family. Land, mountains and forests, etc., are graded according to [-]% of the assets of the fair valuation. The transaction party must also be a graded member of the "Sanjiang Huitong" bank, and the interest is charged at a monthly rate of [-]%. Customers who hold a graded member of the "Sanjiang Huitong" bank You can get the protection of the local military. If you want full-time or full-time escort, you need to pay gold and silver. "

Family leader Zhang and several big businessmen rushed forward, and family leader Zhang took the lead in speaking: "Master Yan, our Hangzhou Chamber of Commerce wants to send a batch of goods to Datong, Shanxi for trading, and hopes to get Master Yan's support."

Yan Sanniang said: "Senior Zhang, this is a good thing, you just go there, just don't evade taxes and conceal prohibited items."

Family Master Zhang and several big businessmen winked for a while, and Family Master Zhang asked awkwardly: "Master Yan, why do you say that you can't evade taxes and conceal prohibited items?"

Yan Sanniang smiled and said after hearing Patriarch Zhang's words: "Mr. Zhang understands your thoughts, but the local government tax in Datong border trade is very low, and it implements a low tax system to support Ming merchants, and Datong government prohibits officers and soldiers from privately accepting merchants." property, so no matter how much you evade taxes and evade taxes, your conscience may not be able to justify it. The concealment of prohibited items was jointly implemented by the Datong Supervisory Army, the Datong Military, and the Datong Mansion. Wait for it to flow into the hands of Mongolia and Jianlu, and if there are prohibited items, they can be reported and sold to the Datong government, and the price will be higher than the market price.”

Master Zhang said: "Then our caravan is going to take a trip to Datong as soon as possible. Master Yan doesn't know if there is anything else that needs attention."

Yan Sanniang said: "Mr. Zhang, Datong Mansion handles tax evasion and concealment of prohibited items very strictly. You must not take any risks. There are no other major problems."

However, the head of the Zhang family and several big businessmen were still a little worried, and Yan Sanniang said: "Well, we have dealt with Mr. Zhang before. It is normal for you to be worried when you deal with Datong for the first time. It is not as good as me. I will give you a copy of the book as a talisman, and show it to the Datong army guarding the road on the Shanxi Commercial Road, and you will protect you from anything."

Yan Sanniang's words reassured the head of the Zhang family and several big businessmen. The others in the room had high regard for the strength of the Xue family, and they were even more in awe of Yan Sanniang. Yan Sanniang is probably not just a Mrs. Ru in Xue's family, she should be the top core figure of the family. Yan Sanniang's coming to Hangzhou Mansion is not as simple as it seems on the surface, but it is impossible to do anything to others based on guesswork without evidence. of.

Master Zhang and several big businessmen thanked him again and again, which made the other merchants very excited. They were either planning to join Master Zhang's caravan to make a fortune, or they were thinking about how to get rich with Yan Sanniang.

Chief Minister Pan Ruzhen asked Yan Sanniang with a smile, "Master Yan, what is the term for the north-south goods circulation business?"

Yan Sanniang said: "Master Pan, the north-south goods circulation business refers to the "Sanjiang Huitong" bank providing guidance services to merchants. For example, Master Pan can inquire about the shortage of goods in Datong at the "Sanjiang Huitong" bank in Hangzhou, and prescribe the right medicine to prepare for goods trafficking. In the past, if everyone shipped the same goods, the profit would be much less or even a loss. You can also sell them to the other buyer in advance through the "Sanjiang Huitong" bank, and you only need to ship them to deliver the goods. This saves time and trouble and shortens the shipping cycle. Similarly, merchants in Hangzhou Prefecture can order goods from Datong. People don’t have to wait to buy and sell goods when they arrive in Datong Prefecture. "

The merchants in the room praised this method as good. For a while, the crowd was excited as if everyone was about to make a fortune, and Lord Pan Ruzhen, the chief minister, said: "Master Yan, if I need the best ginseng, and Hangzhou There is no government or Datong government, so what will your "Sanjiang Huitong" bank do? "

Chief Minister Pan Ruzhen asked questions, and everyone in the room held their breath to listen to Yan Sanniang's reply. Yan Sanniang said, "Master Pan, this is a pre-ordered purchase procedure, and the "Sanjiang Huitong" bank will make targeted purchases according to customer needs. For designated items, if the price exceeds the market guide price, the "Sanjiang Huitong" bank will cancel the purchasing fee in principle. However, the "Sanjiang Huitong" bank in Hangzhou has purchased Mr. Pan's health products. "

(End of this chapter)