Chapter 791: Collection of armpits

Wutong Garden, small study room.

Cao Yong had been "working at night" for several days, and his eyes were red before he finished the "Bank Plan for the Qing Dynasty".

Like later banks, the main business of this bank was also deposit, loan and exchange. Because the deposits of money houses in the past required support for "custody", there were very few people who deposited money in the money house. Money houses mainly relied on lending and exchange for their livelihood, and some took over the distribution of Eight Banners' pay silver.

Cao Yong had come into contact with the Economic Law and the Financial Law in his previous life, but he never used it for many in his two lives, and he had forgotten it almost the same.

Now, all he has sorted out is a rough banking theory that he can understand.

It is nothing more than "gathering the armpit into a fur" and "regulating the interest rate of Beijing loans". The former can quickly gather funds; the latter can effectively intervene in the Beijing lending market, and even run the bank with its peers, quickly standing out in the industry.

Perhaps because of these two things, many bank loan businesses in Beijing will suffer damage, but Cao Yong does not regret it.

According to the law that follows, the interest on loans shall not exceed three cents per month. Although there are many years and months, only one principal and one profit shall not be profitable; it also stipulates that "public, marquis and officials above the fourth rank" shall not lend; it is prohibited to confiscate the property and land of the people due to loans.

Rules are dead, and people live, and it is true.

According to Cao Yong's investigation over the past few days, even if private lending is less profitable, some even reach 80% or 10% or 10% or more profitable. Due to usury, people are losing their money.

In addition, most of the families who lend money are high-ranking families, bad servants and slaves, and the people are unable to repay, and it is not uncommon for them to sell their children and daughters.

After closing the plan in his hand, Cao Yong looked at the table. Perhaps the two errands that Kangxi asked the Sixteenth Prince to pass the message could be completed together.

This first bank is the domestic business; when the business gets better, the Ministry of Revenue will come forward and open a second bank.

A single flower blooms is not spring, but a hundred flowers bloom in the garden.

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

Perhaps this process will lead to disadvantages that are not foreseeable at present, but relying on the bank's funds to temporarily alleviate the shortage of national treasury and bankruptcy, even if it is successful. Of course, when this "Qing Dynasty Bank" has gained its foothold, some deposit and loan interest rates will be formulated to avoid a vicious cycle.

After this plan to start a bank was proposed to Han Jiang, it aroused great interest from Han Jiang. Returning to her ancestral property was also very attractive to her.

She did not return to Yangzhou and chose to stay in the capital because she did not want to be an ordinary woman who was raised in the inner house. In this life, she failed to be a daughter and failed to have the opportunity for her wife. Now, in addition to being a mother and raising Hui'er, she also wants to do something.

The next day, Cao Yong asked Han Jiang's family to go to the mansion to discuss the matter.

Unexpectedly, Han Jiangshi was unwilling to get involved in either 10% of shares or half of shares.

She said this: "Sharing dividends have both pros and cons, and are related to the Ministry of Internal Affairs. I dare not share profits today."

Even Cao Yong, as the Heshuo prince, retreated in front of the prince and the prince, and was unwilling to share the profits; she was just a woman in the country, how could she dare to overestimate herself?

Chasing profits is the nature of a businessman.

Hearing that Han Jiangshi took the initiative to give up these shares, Cao Yong looked at her with surprise. He was originally worried that Han Jiangshi would be scheming, so he wanted to persuade Han Jiangshi to take a step back, accept half a share, and hand over the other 4.5% of the shares to the Sixteenth Prince and the others.

The original plan of the Ninth Prince, the Sixteenth Prince and Prince Jian’s three companies have participated in the shares, but now it seems that it is a bit unworkable.

The cost of opening a bank is far greater than expected, and the benefits are also greater than expected. By then, these three clans own half of the shares will not be a blessing for them, but a disaster.

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 Prince and the Sixteenth Prince. Tomorrow's "Jin Shang" is someone else. Will he tolerate several royal families sharing income with the Ministry of Internal Affairs?

Compared with Jiangning's petty care back then, when he first arrived in the capital, and until his current honor and disgrace, Han Jiang's family grew up step by step into a qualified businessman.

Looking at the woman in front of him who was one year younger than him, Cao Yong felt a little dazzling.

Who said that ancient women were all weak and helpless? Han Jiang was much better than many men. Looking at her talent and orderly, Cao Yong thought of the "Bone Spirit" in office buildings in later generations. However, Han Jiang, who grew up in Confucian society, was a little more gentle than those aggressive "Bone Spirit" in later generations.

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

Han Jiang noticed Cao Yong's loss of consciousness, slowly lowered his eyes, and looked at the plan in his hand, and his heart was already rumbling. Even though he had pride, she could not deny that because of Cao Yong's protection, she not only protected her own property, but also showed her skills in the business world like a man.

Cao Yong never had the awareness of showing kindness, and Han Jiang did not say "repaying kindness" at all. Invisibly, it was a tacit understanding that needed no explanation.

"Mr. Cao, according to the private women's eyes, the remaining 50% of the shares are not as good as the stocks. Most of the powerful and wealthy households in the capital are, and each household takes out 10,000 or 20,000 yuan in silver is normal. Linked to the bank, these families and relatives and friends in the future will recognize their own related businesses, which not only saves time, but also prepares the money for opening the business first." Han Jiang said with a steady mind.

"Stock stocks?" Cao Yong nodded after hearing this, "It's a good idea, but how much is the best start? There must be an upper limit, otherwise with the financial resources of the Ninth Prince, you can consign all the shares. But in this way, the Sixteenth Prince will suffer a little."

Han Jiang thought for a moment and said, "Otherwise, the stocks will be limited. Jiubeizi, the 16th Prince and Prince Jian each share 5 cents, and the remaining 35% will be the highest limit of the royal family in Guangji City, and the upper limit is two cents and one cent lower limit. In this way, at least dozens of powerful families can be gathered."

Although the shares of the Ninth Prince, the Sixteenth Prince and others have sharply decreased, they have become less eye-catching. When the bank's profits come out, they will have a lot of income.

Cao Yong nodded and said, "Then you will have 20,000 silver per share, 2,000 taels per cent. In this way, 50% of the shares of the Ministry of Internal Affairs can save up one million taels of silver for the remaining shares, which is enough."

Han Jiang's eyes shining, and his face was already filled with expectations, and he said, "Master Cao, when will he start preparing for this matter?"

Cao Yong said: "Prince Jian's side is not counted. The Ninth Prince and the Sixteenth Prince will intervene in this matter. They have to discuss with them, and then issue a memorandum of Rehe to request an order. At the earliest, it will be early May. If you have free time recently, make some rules according to the money shop. Save the mess and act repeatedly."

Han Jiang nodded and Cao Yong hesitated for a moment and said, "How much do you have to invest in?"

"If there are not many people participating in the shares, just add two points; if there are many people, just one point." Han Jiang replied.

"It's better to have two points. You can't be in vain. This involves the government. After three or five years, the operating rights will always be taken back to the Ministry of Internal Affairs." Cao Yong said the truth.

"The civilian women are not short of money." Han Jiang said softly: "The civilian women just want to try it out, what it feels like to open a money house all over the country."

Cao Yong calculated the time. There were still four years before the Fourth Prince came to power. In these four years, as long as the Sixteenth Prince was in charge of the Ministry of Internal Affairs, Han Jiang's position would be stable.

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

Han Jiang looked up at Cao Yong and said, "Master Cao, when the Ministry of Revenue opens a bank, when the bank of various provinces opens a bank, can private merchants open it?"

Before Cao Yong answered, Han Jiang sighed and said, "It was the delusion of the people's women. Not to mention that the current money shop is now open, five companies need to join forces to protect the two companies; if a person does not fight with the officials, he will not be able to compete with the court's industry."

Although cruel, Cao Yong still said bluntly: "Even if he can open it, it will not last long. No matter when, without power as a support, merchants accumulate wealth, it will be a cloud of clouds."

Han Jiang was a little sad when he heard this, but he also knew that Cao Yong was telling the truth, so he could only sigh...

Han Jiang knew the power of power, and could only sigh. The Sixteenth Prince looked at Cao Yong's plan and frowned.

"Furuo, let alone other things, it's just the 100,000 taels of silver from this five-cent shares. Wouldn't it be difficult for me? You don't know my family's assets. It's good to get a 18,000 taels of silver in your hand. I know you have the money, but it's not good to show it out at this time." The Sixteenth Prince said in embarrassment: "In addition, 100,000 taels of silver is only 5 cents of silver, and Brother Jiu and Prince Jian may not buy it."

"The Jiu Ye has the most toxic vision of economic affairs and will buy it. If what I expected is not bad, he will also entrust other people to buy more shares in his hands. This is not something we are worried about. Prince Jian's side is just the Sixteenth Master who sells his favor and expresses his opinion. He is willing to accept it or not, and this favor can be given." Cao Yong thought for a moment and replied.

Seeing Cao Yong finishing the problem between the Ninth Prince and Prince Jian in a few words, the sixteenth prince finished his own problems. He touched his chin and said, "Or why should I borrow money from the Emperor Ama? Didn't I originally plan to prepare 200,000 taels of silver for the Ministry of Internal Affairs? Now that I don't need it, why should I borrow 100,000?"

Cao Yong nodded and said, "But this must be kept secret first, otherwise you will be afraid that Jiu Ye will follow suit and make a fortune by himself."

Without further ado, the two of them did not waste time and went to Jiubeizi Mansion together.

As expected, the Ninth Prince disliked the small shares. He had already gained the news before and knew that the Sixteenth Prince had taken the lead. He already regretted it. If he hadn't taken over the tobacco errands, it would be great to take over this directly.

The transaction on money is the big deal.

According to his budget, he could get at least 10% of the shares, but he didn't expect that there were only five points left now.

The sixteenth prince was very good at speaking, so he naturally mentioned the idea of ​​ten or twenty years later. After hearing a few words, the ninth prince understood. To put it bluntly, he was just cautious and afraid that he would take up too much shares, which would arouse the dissatisfaction of the new emperor.

He snorted coldly, glanced at Cao Yong, who was sitting on his head, and said to the Sixteenth Prince: "Sixteenth Master, now you are a real prince of gold and silver. In the future, you will be a dignified emperor. What are you afraid of? You are really a person who is close to the ink."

Cao Yong was by his side and only made false reports.

Being cautious and cautious is better than Zhang Yang. The Ninth Prince is so arrogant, 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 too much.

"Brother Ninth is right, my brother is afraid. What is his identity? I am afraid that the Beile in the royal family is more noble than me." The sixteenth prince said with a teacup on his head and lowered his head.

The experiences in the past few months have made the Sixteenth Prince a little more tired. As the prince who is favored by outsiders, he is still struggling to move forward. He seems to understand what "shocking heart" means, and he can do it; he understands why Cao Yong chose to be low-key and tolerant.

"Forbearance" has a knife on the head. Even if it is difficult, it has to be suffered.

Seeing that the Sixteenth Prince was so low, the Ninth Prince was a little hard to say. The Sixteenth Prince had always been good at doing things, and was respectful to his brothers and had a good relationship with the Ninth Prince.

He coughed twice and said, "When I sent my mother out of the palace a few days ago, I heard from my mother that the Emperor Ama intends to be a concubine. Perhaps there is good news for the concubine's mother."

When the sixteenth prince heard this, his eyes lit up and he said, "Brother Ninth is serious?"

Seeing this, the Ninth Prince smiled and said, "What are you doing? I just don't know the specific time of the letter. If it's fast, it will come down before the Dragon Boat Festival; if it's slow, it may be waiting for the Holy Lord to return to Beijing."

The sixteenth prince was overjoyed when he heard this. As he grew older, what he missed most was his biological mother, Concubine Wang. Although Concubine Wang was treated as a concubine, he was just a noble person with a serious title.

Even Cao Yong heard this and was happy for the Sixteenth Prince. In addition, there were the Seventh Prince's biological mother and the Seventh Prince's biological mother. Although the Seventh Prince's biological mother was called concubine, she was not officially awarded the title; the Seventh Prince's mother Chen was a noble person, and she had been silent for many years and relied on the care of Princess Wang to barely survive in the palace.

After all, Wang Meng is a favorite concubine, and she often follows her escorts. She is rarely in the palace and she always has times when she can't take care of her. I heard that a young noble man bullied Chen before the New Year. The seventeenth prince was ill at that time. Hearing this, he vomited a few mouthfuls of blood, and he still lingered in bed.

The harem that has a relationship with the Cao family is also the birth mother of the twenty-first prince. Although she also gave birth to a prince, compared with other concubines who have been in the palace for decades, her qualifications are relatively low, and whether she can be enthroned is only a matter of 55.

Seeing the Sixteenth Prince so happy, the Ninth Prince's expression softened and said, "Five points are five points. I believe that Brother Sixteenth Brother will not waste this time. Others have only two points at the upper limit. If you think about leaving five points for your brother, it can be considered as giving me face. I will no longer be embarrassed for you. But you, you haven't divided your house yet, where can you go to tinker with these 100,000 taels? Otherwise, I will pull you and help you get some?"

The sixteenth prince shook his head and said, "No, no, my brother has a place to borrow money. To be honest, Brother Jiu, this time I want to do a big career, which can be considered a long face for my mother. My brother dare not guarantee the promise and talk about how to make a fortune, but according to the implementation of this plan, the future profit will make many people jealous. If Brother Jiu has spare money in addition to those five cents, he would rather find a few names and occupy more shares. This is just my brother's suggestion. If we can make a profit, there are risks. I don't dare to slap my chest. Brother Jiu has to make his own decisions."

When the sixteenth prince said "the place to borrow money", he glanced at Cao Yong.

The Ninth Prince saw it and thought that the Sixteenth Prince was going to borrow it from Cao Yong. He was a little uncomfortable, but he let it go. Then he listened to the Sixteenth Prince's suggestion and was quite touched. However, with Cao Yong, he didn't have much to say, so he could only vaguely say: "I am just a baby boy, with a salary of 1,300 taels a year. Zhuangzi under his name is not as good as the brothers who are the princes..."

The Sixteenth Prince was just talking, and as for how the Ninth Prince acted, he would not worry about it.

After dealing with the Ninth Prince, Cao Yong and the Sixteenth Prince joined forces to Prince Jian’s mansion.

In the six months since Yang Zimo passed away, Yaerjiang A changed a lot. He heard that he had dismissed all the children in the mansion, and even the boys sent to him from outside refused.

In the eyes of the world, the one who "hidden beauty in the golden house" in the past two years was a beauty. However, with Yaerjiang's arrogant style, he was not a person who was hiding. Yang Zimo was famous in the capital in his early years, and many people had seen him. It was because of Yaerjiang's power that no one dared to provoke him.

It was not until Yang Zimo passed away that some gossip came out.

Some people are not ashamed, while others secretly admire Ya'a Jiang's long-lasting love. When Yang Zimo was in the funeral, Ya'er Jiang's braid cut off half a foot long and buried it. This was treated with a wife's courtesy.

Seeing Cao Yong and the Sixteenth Prince visiting, the arrogance in Yaerjiang's expression decreased a little. To Cao Yong's surprise, when he heard about the bank, Yaerjiang's brows did not frown, and nodded to submit the 100,000 taels of silver.
To be continued...