Half a month later, Shui Tailiang brought back many people, including the family of Ma Shiqi, Gong Tingxiang and Hua Yuncheng, Du Yinxi's family, Xia Yunyi's family, Shi Kefa's family, Qu Shixiang's family, Xu Guangqi's nephew Chen Yujie himself, Chen Zilong and Fang Yizhi himself, and many people who Li Guodong didn't know, and Lu Xiangsheng himself also came, and there was also a tall and powerful juren of Kong Wu. When he reported his name, Li Guodong was stunned: Zhang Huangyan!

Most of these gentry in Jiangnan were national heroes who later died for their country. They were unwilling to surrender to the Qing Dynasty. They either committed suicide or died in defeat. These gentry naturally had more than 100,000 yuan in wealth. Unfortunately, they did not know how to resist the Qing army later. It was nothing they could die by themselves, but their wealth was confiscated by the Qing Dynasty. The white silver became the military pay of the Qing army, and the Qing army destroyed the Southern Ming Dynasty with these silver.

In addition to the family of national heroes that Li Guodong knew, there were several other people, the families of gentry who were killed in the three major cases in Jiangnan, such as Jin Shengtan, Gu Weiye, Ni Yongbin, Xueerzhang, Zhou Jiang and others. After the Qing Dynasty attacked Jiangnan, they did not resist or committed suicide, but chose to survive. In the end, the Qing Dynasty found a reason to kill them. All their property was confiscated and ended up miserably.

Of course, most gentry themselves did not come here when talking about business. After all, scholars disdained to go to business, so they sent agents to manage their own business.

Lu Xiangsheng himself came because of friendship; Chen Yujie came because he was influenced by Xu Guangqi, not as rigid as other scholars. He also admired Li Guodong for his proficiency in the art of casting guns and cannons in Thailand, so he visited him. As for Zhang Huangyan's arrival, it is said that he had heard of Wuwei Bo Daming for a long time, so he took this opportunity to visit.

Chen Yujie is a talented person and has been deeply taught by Xu Guangqi. This time, Li Guodong transformed the farmland in Jiangnan and vigorously promoted sweet potato and corn. In fact, Chen Yujie strongly supported it and personally taught farmers the techniques of growing sweet potato and corn. This time, he heard that Li Guodong went to Jiangnan, so he put down his identity and came to visit him in person.

But at this time, everyone was here, and Li Guodong had to discuss the matter of opening a bank with everyone first. After the matter of opening a bank was discussed, he would keep Zhang Huangyan and Chen Yujie and invite them to a banquet.

There is another person Li Guodong didn’t expect to come, Zheng Zhilong’s younger brother Zheng Zhibao, who naturally came on behalf of Zheng Zhilong. Unexpectedly, the Zheng family was also interested in opening a bank.

In the hall of Qian Mansion, Li Guodong sat down at the seat with too cold water. He looked around and opened his voice, "Everyone is either a famous scholar in Jiangnan or a shopping mall elite. I believe you know the money shop, right? With the money shop, you don't have to bring so much cash on your business, just bring a ticket. Now the world is injustice, and you go out with too much silver. If you encounter a robber, you won't even have to give up your life if you lose the money."

"Yes, it's much more convenient to have tickets. We deposited the money in Jiangnan to the money house. We can bring it up after going to the capital."

"But now most of the money shops are run by Shanxi people. If we come here to get some money, can we still have business?"

This involves the issue of Shanxi merchants. In fact, the eight great masters of Shanxi merchants were not the largest in the group of old, western and central, and became famous only because the Qing Dynasty later entered the pass and became the imperial merchants. In fact, the largest Shanxi merchants in this era were salt merchants, followed by grain merchants, and the Shanxi merchants who opened money shops.

The gentry in Jiangnan also has their own money houses, but the scale is far inferior to the money houses opened by the old Ximen.

Qian Qianyi said: "Everyone, I am going to open the bank account. I have printed the booklet. I must have read it, right?"

Everyone present nodded.

"If there is no accident, then we can discuss how much each company invests and how much shares it holds." Shui Tailiang said.

At this time, a man who looked like a shopkeeper stood up. This man was Qu Shixi's family. The shopkeeper asked: "Mr. Qian, Mr. Uncle, our bank account has only one to two cents for the loan, and there is no profit. Is this interest too low?"

Li Guodong replied: "The interest rate is relatively low, but our principal is not our own, but borrowing the deposits of major customers to lend. We earn the intermediate difference. After all, our own principal is not much, we just make an interest intermediate difference. In fact, earning this intermediate difference is only one aspect of our profit. Our biggest profit part is still based on issuing bank notes, minting coins, etc., which is the real tool for making money."

"Will coin be banned by the court?" someone asked.

Li Guodong said: "The court has strictly controlled the coins in the court. However, in this regard, Li can come forward and ask Long Sui Ye to let go of the matter. Now the court is short of silver. If our silver account is done well and can increase the court's commercial tax, how can the court stop us? If we can mint coins ourselves, then the silver will come like flowing water."

At the beginning, the silver account did not issue paper notes, only large amounts of silver notes and various precious metal currencies.

Take coins as an example. A one-yuan silver coin is equivalent to one tael of silver. In fact, the weight is less than one tael of silver. Moreover, the silver coin is not pure silver, and it contains lead, copper and other metals. The profit of such a silver coin is half a coin; in addition to issuing silver coins, Jiangnan Bank will also issue gold coins with higher profits. A gold coin is worth ten taels of silver, but the weight is absolutely not one tael of gold, and it is not minted with pure gold. Such a ten-yuan gold coin has a profit of nearly one tael of silver!

Even if you are minting copper coins, the profit is actually not low. Otherwise, why did so many people who mint coins appear in the folk when the Ming Dynasty Baochao collapsed? The profit of minting copper plates is extremely high. The copper coins that Li Guodong is about to mint are not ordinary copper coins, but beautiful copper coins with beautiful patterns and words on them. They are not hollow in the middle like copper plates, but solid copper coins.

"I believe that the problem of the court can be solved by my uncle," a man who looked like a big shopkeeper stood up, "But merchants and gentry, will they use the coins we minted?"

"This requires us to exchange them one-to-one. Silver coins marked with one yuan can be exchanged for one tael of silver; gold coins marked with ten yuan can be exchanged for ten taels of silver. As long as we allow them to exchange one-to-one, these coins will be accepted. Because it is much more convenient to use coins than broken silver. For example, you are now spending money on restaurants and pleasure boats in Qinhuai River. You have spent thirty-seven taels of silver. You take out four ten taels of silver ingots. How do they get back the silver? First of all, they have to weigh the silver you take out, and the silver you get back needs to be cut, and then the broken silver is given to you. This is very inconvenient to use. If there are coins, how much you take out and what you have extra, they will just get back the coins."

"There is another question," the merchant asked again, "will anyone pretend to be our minting?"

"There will definitely be! But there is a solution. When we mint coins, add some secret codes to our coins or add some techniques that they cannot imitate, so that the real and fake coins can be clearly seen. If you find fake coins, you will immediately investigate them and send them to the government office."
Chapter completed!