At that time, the general army of Caoyun was Gu Huan, the Marquis of Zhenyuan.

Gu Houye, who had just taken office, appreciated Song Xiaoming very much and agreed to his three conditions despite public opinion. And for 30 years, he has always abided by the agreement and given strong support to the shopkeeper of Songda.

Song Xiaoming also lived up to the kindness of the Marquis of Zhenyuan, and after he took office, he carried out drastic reforms, changed the blood of Hengtong Ji inside and out, and formulated strict rules and regulations, and imposed the most severe punishment on violators...... At least it was sent to the canal to pull fiber, and at worst, it was directly killed.

The Caoyun Yamen has independent judicial power, even if a person is killed, the process of going to the Governor's Mansion to make up for it will be over.

Hengtong Ji has the best congenital conditions, and the shopkeeper of Song University has managed it well, and his image has been greatly improved soon, and he has quickly turned losses into profits.

Over the past 30 years, Song Xiaoming has relied on the canal to continuously expand his territory, acquired hundreds of large and small money houses and pawnshops, and used more semicolons to win the hearts of wealthy merchants. made Hengtongji become the largest money bank in the Ming Dynasty, and the limelight even overwhelmed the long-time boss 'Wanyuan' who was backed by salt merchants.

The great success of Hengtong Ji has brought rich returns to shareholders, and also made the position of the shopkeeper of Song Da in Caoyun Group rise, and he has naturally become the leader of all 'Cao Bao'.

It's just that the officials and the 'Cao Bao' don't know that Hengtongji is not yet the boss of the hot seat, and is suffering from severe challenges!

And the one who challenged Hengtong Ji was not the original boss Wanyuan, but Wu Ji Qianzhuang, who couldn't even rank in the top ten before.

Oh yes, they have now changed their name to 'Jiangnan Bank'.

At the same time as changing its name, Jiangnan Bank also issued three fatal arrows in a row, one is to let all the prefectures and counties in Suzhou announce that they will only accept silver coupons issued by Jiangnan Bank from now on. If ordinary people want to pay taxes, they must first take cash to Jiangnan Bank to exchange for silver coupons.

The common people are very supportive of this, because Jiangnan Bank only collects half of the fire consumption, which is much lower than the consumption of the silver directly in the hands of the officials. As for the matter of one more process, as long as it can save money, the people are not afraid of trouble.

But for peers, it's disgusting. Because Suzhou is not only the most prosperous city in the world, but also the economic and financial center of the entire Jiangnan. Any changes in Suzhou will be amplified and transmitted to the shores of Taihu Lake and even the entire Jiangsu and Zhejiang, causing serious impacts.

What's even more devastating is this year, Hai Rui actually implemented a whip law in Jiangnan, and all taxes were collected in silver! This has increased the amount of silver in the government's income by dozens of times! Instead of abolishing the government's rule that only silver coupons are being accepted, new states and counties are constantly joining.

This makes other money banks very uncomfortable, because many customers will ask if there are any silver coupons when they withdraw money. This made them have to pinch their noses and take out a large amount of cash to exchange for Jiangnan Bank's silver coupons, otherwise they will lose a large number of depositors.

~~

If that's all there is to it, the most that each money bank will be disgusted with. And a big money village like Hengtongji has not done similar things, so naturally the eldest brother should not laugh at the second brother.

But the last two arrows of Jiangnan Bank completely changed the rules of the game - they actually announced that deposits at their home were free, and they also paid interest on fixed deposits!

In addition, the handling fee of 5/1000 is only charged for non-local exchange, which is only one-tenth of the industry regulations!

This is a dimensionality reduction blow, which makes all the money banks, including Hengtongji, stunned.

There is a fee for saving money in their house, and the larger the amount, the more you will receive. This is also the most stable source of income in the money bank! It's much more appropriate than lending money to collect interest.

As for the 'non-local exchange', it is the lifeblood of the bank. In this era, why do the rich prefer to pay and save their money in the bank? Isn't it because a large amount of silver is inconvenient to carry, and it is easy to attract thieves on the road? Therefore, 'non-local exchange' is actually the meaning of the existence of traditional money banks.

And it has a higher interest rate than deposits, and it is not as unreliable as lending, and it has always been the favorite business of the bank, and there is no one.

Now Jiangnan Bank has reduced the handling fee to one-tenth of them all at once, which is the rhythm of forcing them to death!

Now even Hengtongji feels the danger of suffocation. From the opening of Jiangnan Bank in early October last year to the present, in just half a year, the number of deposits of Hengtong depositors has dropped by 30%, and the most sensitive exchange income has plummeted by 50%!

This is still a mandatory regulation of the Caoyun Yamen, and all canal-related businesses must go through the account of Hengtongji. Otherwise, this income may be directly reduced to zero.

After all, no matter how rich the customer is, it is impossible to use 5% of the exchange fee of 5/1000 of the handling fee. Even the 'Cao Bao' secretly opened an account in Jiangnan Bank, and most of the money transactions no longer go through Hengtong......

Song Xiaoming can be regarded as having experienced the desperation of those small money banks that were eliminated by himself. Jiangnan Bank didn't even specifically target him, and it had already forced Hengtongji, which had just become the first money bank in Daming, to a dead end.

This is called, what does it have to do with you to destroy you?

But for the side to be destroyed, the feeling is too bad, the deep despair of frustration that outweighs the defeat itself.

Song Xiaoming has his back against the Caoyun Yamen, and has been crisscrossing the shopping mall for 30 years, how could he have suffered such a big loss? Of course, he has to hit Jiangnan Bank hard, otherwise the tiger will not be powerful, and he will think that he is 'Hello little meow'.

However, the backstage of Jiangnan Bank is hard enough, and its business is mainly in the Jiangnan area. Song Xiaoming's backstage is mainly in Jiangbei, and the raptors are brave and ruthless when they cross the river, but it is not the work of a wise man.

Although Jiangnan Bank also has branches along the canal...... Basically, it was directly changed from Wu Ji Qian Zhuang. But the shopkeeper of Song did not dare to use the power of the government to make it bad. Because Hengtongji also has a semicolon in Jiangnan, and the number is many times that of the other party. If he kills one, they can beat him five, which is really a blood loss.

Song Xiaoming had no choice but to calm down and carefully study the characteristics and weaknesses of Jiangnan Bank and Jiangnan Group. He found that this was an unprecedented business name, which completely subverted his existing business common sense!

He felt that he was radical enough, but compared to this Jiangnan group, he was as conservative as a chaste martyr.

What's even more terrifying is that every step of the Jiangnan Group is upright and down-to-earth, and there is no place for quick success and quick profit. They never even cared what their opponents did or thought, they completely followed their own pace, spread out the stalls step by step, and in the blink of an eye, they were already all over Jiangnan.

The unprecedentedly powerful opponent aroused the strong competitiveness of the shopkeeper of Song.

After all, not everyone in this world will be like Du Yuanwai...... Oh no, Liu Yuanwai is the same, if you can't beat it, you can join the other party.

There are always some people, when they encounter a strong enemy, they just want to fight it out. Either he will win the battle, or he will be beheaded by the horse, and he will never do what he thinks.

The proud shopkeeper of Song Da is such a die-hard. And after all, he is the top business wizard of the Ming Dynasty, and his vision is vicious, which can be called the world's first-class. As a result, he really found the biggest weakness of Jiangnan Bank and even Jiangnan Group!

In fact, before the Yellow River burst, he had already begun to lay out the plan. But at that time, Song Xiaoming just wanted to promote talks by beating, and he had no intention or ability to beat Jiangnan Bank to death.

But in the past two months, the situation has changed abruptly, and Zhao Hao has openly proposed to take over the shipping of grain, and it has been put into practice. The interests of Caoyun Group have been severely challenged, which just gave Song Xiaoming a God-given opportunity to mobilize all the strength of the group to destroy Jiangnan Bank in one fell swoop, and then let the big and unscrupulous Jiangnan Group collapse violently!

Let him secretly shout God help me.

That's why he worked hard to convene this meeting of the Caoyun Group, and vigorously sold future anxiety and desperately advocated the threat theory of the Jiangnan Group. In order to tie the Caoyun Group to his chariot, so as to fight to the death with the Jiangnan Group and that Zhao Gongzi!

~~

Caoyun General Military Mansion, in the meeting hall.

Everyone shouted indignantly for a while, greeting Zhao Hao and the eighteenth generation of his ancestors, and then stopped to drink tea with a dry mouth.

Suddenly, listening to the sincere uncle Liu Shiyan, he said in a strange manner: "Everyone, no matter how fierce you scold, not only will the kid surnamed Zhao not lose a piece of meat, but I can't stop this grain by sea." ”

After Liu Shiyan is Liu Bowen, he knows some physiognomy, and he has always thought that he is an ancestor, and he feels that there is no smarter person in the world than himself, so he is crazy.

And his family has lost his title for many generations, and after Jiajing ascended to the pole, in order to create a group of nobles loyal to him, he specially restored the hereditary lineage of a marquis earl, and his father became a sincere uncle again. But after all, it was too late, and it was not the time for the nobles to divide the benefits of Caoyun. Therefore, Liu Shiyan is in the Caoyun Group, even if he is a marginal person, he naturally doesn't have a backache when he stands and talks.

"Who keeps yourselves from fighting? There is a saying that 'Cao is the lifeblood of the country, and if March does not come, the king will be worried; If June does not come, everyone will cry; If you are less than one year old, the state will have unspeakable people. Liu Shiyan said, cocking Erlang's legs, gloating, glancing at the black-faced Caoyun officials and said:

"It's still just a situation of 'gentlemen worrying about each other', and the court can still calm down a little. When the time comes for 'everyone to cry', who will dare to stop the sea? It's nice to have a lifesaver to grasp. ”

"You!" Everyone was annoyed for a while, but they only blamed him for telling the truth, raising the morale of others and destroying his own prestige.

"Uncle Cheng Cheng is right, Caoyun will be out of action in a few years." The Marquis of Zhenyuan, who had been silent, finally spoke at this time. "The household department is going crazy, and we can't stop the sea from shipping."

As he spoke, he looked at the crowd: "Don't bother talking any more, let's think about how to deal with it." ”

"What Master Hou said is extremely true." Pingjiang Bo Chen Wangmo continued: "Since shipping is imperative, we have to see how it is most beneficial for us." ”

"Of course I snatched the sea!" Someone immediately said: "When Pingjiangbo's ancestor Pingjiang Marquis, when he was the first chief military officer of Caoyun, he was also in charge of the two routes of Haicao. Jiading County to the present, there is still a treasure mountain built by his old man! ”

ps. Two more today.