The grandparents and grandchildren are still on the road here, but in that room, something happened to Jiangnan Bank......

~~

Xuzhou City on the banks of the Grand Canal, located at the throat of the north and south of the Ming Dynasty, is not only the 'key to the north' and the 'gateway to the south', and has been a battleground for soldiers since ancient times.

This thousand-year-old city is said to be the earliest capital of the Yellow Emperor and has always been one of the important cities in the land of China. In this dynasty, the Grand Canal flowed through this thoroughfare of several provinces, so the household department also set up a granary here, and set up a special household department to manage it. This brought another wave of prosperity to Xuzhou.

On the canal, there is an endless stream of ships coming and going from the south to the north, and hundreds of large and small ships stop at the canal wharf outside the south gate every day. The transit of goods from the north and south to the interior naturally brought about a prosperous business.

The dense towers on the South Gate Street, the prosperity of the market, the abundance of goods, and the number of ships, although they are not as good as Huai'an and Yangzhou, but they are also a few prosperous places in Jiangbei.

Therefore, all the money banks have set up branches here, and there are more than 20 pawnshops of all sizes on the entire South Gate Street.

Among them, there are not only the former leading boss Huizhou 'Wanyuan', but also the invincible 'Hengtongji' on the canal, as well as the time-honored Shanxi 'Xinlong', and the 'Tianhuidang' backed by the royal family.

However, the most beautiful cub on the whole street now is not the old Four Heavenly Kings, but the supernova like a small sun - Jiangnan Bank!

Jiangnan Bank, which was transformed from the original inconspicuous Wu Ji Money Village, has launched three major profit-making measures since its opening last year-

1. Deposit at their home for free!

2. The longer the deposit period, the higher the interest!

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

As soon as these three axes came out, there was no need to make any effort to publicize them, and the businessmen who came to deposit and open accounts broke the threshold of the Xuzhou branch of Jiangnan Bank.

Although Jiangnan Bank never publishes the total amount of deposits, its peers know that they have been completely defeated......

Because in just half a year, except for Hengtongji and Wanyuanhao, the total deposits of each bank have plummeted by two-thirds. The exchange business, which is regarded as life, has also shrunk to only one-third.

If there is no change at the end of the year, many pawnshops will have to close their doors.

~~

Even without the compulsory implementation of the government and the blessing of a whip law, the silver coupons issued by Jiangnan Bank were circulated in Xuzhou City in just half a year.

This thing is so good! Not only is it as portable as a meeting ticket, but it also supports small transactions. Another very important point is that the two parties to the transaction do not need to go to the money bank to transfer, and directly count the money in the dock and store, and the money and goods can be paid and received.

The party who receives the silver coupon can go to the Jiangnan Bank branch on Nanmen Street at any time and exchange it for real silver, which is a lot of money!

At first, merchants insisted on going to the bank regularly to exchange silver bills for silver.

But the silver voucher is so convenient. And although it doesn't cost money to exchange silver coupons for silver, it costs half of the money to exchange silver for silver coupons. Therefore, driven by inertia and cost, more and more businessmen choose to keep the silver coupons in their hands.

This greatly alleviated the people's concerns about silver coupons...... Nowadays, in the Xuzhou market, not only large transactions, but even daily consumption, there are also a large number of signs of using silver coupons.

The common people can only have access to small amounts of silver coupons, and when they see the shopkeepers of the owner, they don't exchange the silver when they receive large tickets, so they are naturally even more lazy to change them.

As a result, more and more silver coupons are circulating in the market, which in turn prompts more people to start using silver coupons. Realized the 'virtuous circle, spiraling up' expected by Zhao Gongzi!

Other money banks are in their eyes and anxious in their hearts. They are all people who have eaten money and rice all their lives, and who doesn't know what it means to the entire industry if Jiangnan Group's silver coupons become a recognized currency?

That is, they can only use their real money to exchange for other people's printed paper!

If you don't change it, you can't do it, and if you don't change it, you can only wait for death......

This evil effect has spread among their Jiangnan semicolons. Fortunately, without the endorsement of the Jiangbei government, the credibility of the silver coupon in Xuzhou is still a little worse. But if you don't take decisive action, the tragedy of those semicolons in Jiangnan will be staged here, and it will be a matter of time.

Of course, they can also follow up and issue their own bearer silver tickets, which is also a way out.

But it's not that they don't want to follow up, but this thing, is it said that they can keep up?

They all know that this kind of bearer silver ticket is convenient, but if the anti-counterfeiting is not good, whoever sends it will be finished!

The traditional meeting ticket of Qianzhuang, although it also has basic anti-counterfeiting, has been effective. The printing industry of Daming is very thriving, relying on traditional anti-counterfeiting printing alone, and printing real counterfeit banknotes for you in minutes.

Therefore, what they can rely on is to rely on the customer's seal left in the bank, the secret code words agreed by both parties, and other means to prevent forgery.

But it is a registered bill of exchange, and it cannot be used on bearer silver bills at all.

Only like Gangnam Bank, from the paper to the printing method, to the ink used, it is completely different. The difference between the printed silver coupons and all the printed materials of the Ming Dynasty is very obvious, and they are eligible to issue bearer silver coupons......

In short, if you don't master scientific printing technology, you can't get bearer silver stamps!

It's not that they haven't thought about it, by bribing the guys from Jiangnan Bank, to find out how the silver coupons are printed.

But after spending a lot of money, I only found it, and it turned out that Jiangnan Bank would not print it.

All the silver coupons were secretly printed by Jiangnan Group on Xishan Island......

The island was heavily guarded, and no outsiders were allowed to enter the island, and no money-printing artisans were allowed to leave the island.

This level of secrecy is something that can represent the world's highest level of espionage in this era, and even the factory security agents cannot spy on it. Not to mention those of them who open money banks.

So they can only stare dryly.

~~

When people are helpless and desperate, they always hope that a savior will come.

The bosses of the small money bank regard Hengtongji as a savior.

The backstage of Wanyuan is a Yangzhou salt merchant, and it is inextricably linked with Jiangnan Group, which is unreliable.

'Xinlong' belongs to Lao Xi'er. They can be relied on, and the sow can go up the tree.

As for 'Tianhuidang', it has already made Li Wei's father and son miserable, and it is still difficult to protect themselves, and they can't be counted on at all.

So at this time, only Hengtongji can be counted on.

Besides, Xuzhou is still the territory of Caoyun Yamen, and the backstage of Hengtongji here is harder than anyone else, who will come out if they don't come out?

The bosses of the pawnshops of various money banks almost sat in Hengtongji when they saw the sky, begging the shopkeeper of his family, Song Da, to come forward and teach the Jiangnan Bank a good lesson.

Hengtongji's attitude has always been very good, but he just promised not to move. Song Xiaoming struck them for two months, and it was too late.

"Shopkeeper Song, you can be counted as here!" When the bosses of the pawnshop in Xuzhou Qianzhuang finally saw the shopkeeper of Song Da wearing a black square scarf, wearing a lake silk jacket and satin cloth shoes in the luxurious living room upstairs of Hengtongji, tears came down one by one.

"If you don't come again, we'll all think about going to Huai'an Mansion to hang ourselves."

"Hahaha, is it so serious?" Song Xiaoming beckoned everyone to sit down with a relaxed expression, and said with a smile: "Come, sit down and talk slowly." ”

"Our Qianyuan hasn't opened this month's exchange yet, and the big shopkeeper said that it is not serious?" A fat man said with a shivering cheek.

"That's serious enough, it's more than half of the month." Song Xiaoming said with a sympathetic expression.

"Yes, our Runfeng is not much better, begging grandpa to sue grandma, only to get a few deals, not enough to start the work."

"yes, we're miserable, big shopkeeper." Everyone cried one after another: "If you don't show up again, you will really die!" ”

Song Xiaoming patiently listened to everyone's complaints, and then took a sip of the teacup and said: "It's not a secret, our Hengtongji life is not easy." Caoyun has been cut off for a few months, and our business is almost exhausted, and we all rely on our old capital. ”

"We don't ask Song Da to help him." All the bosses are understanding, and hurriedly said: "On the contrary, we are willing to contribute money and efforts together." I just hope that the shopkeeper of Song University can teach the Jiangnan Bank a lesson, let them be in awe of the Hengtong Memory, and also leave us a way out! ”

"That's ......" Song Xiaoming held the teacup and pretended to think.

The pins could be heard in the living room, and the bosses held their breath and waited for the decision of the shopkeeper of Song.

After a while, the shopkeeper of Song suddenly smiled and said: "Don't be afraid, don't look at Jiangnan Bank's teeth and claws, you can't live forever." But in the eyes of a certain family, they are nothing more than papier-mâché tigers, which can be broken when poked! ”

"Really?" The shopkeepers looked at Song Da Shopkeeper in disbelief, I don't know where he got the confidence to say such things?

"You are afraid of it because you don't understand it, let alone understand it." Song Xiaoming stood up, and said in a calm and confident tone:

"As long as you understand it and understand it, you will know that I am right!"

"Yes, yes, I am stupid, and I ask the big treasurer to teach me." The crowd was busy and humbly taught.

Song Xiaoming nodded, he had been waiting for this moment for a long time, and he couldn't care about selling it anymore. Then he said directly:

"Fundamentally, Jiangnan Bank is different from our bank. We open a money bank, naturally to make money, so we must control expenses and ensure profits, otherwise what kind of business will we do? ”

"Of course." Everyone said with a look of course: "Who doesn't open a money bank to make money?" ”

"That Zhao Gongzi didn't open Jiangnan Bank to make money." I only heard Song Da's shopkeeper say amazingly: "It's to raise money!" ”

"Raising money?" The bosses were confused for a while, which was a bit beyond their comprehension.

"Not bad. In fact, Jiangnan Bank is just a tool to absorb funds for his Jiangnan Group! Song Xiaoming said categorically: "Their stall is so big, it all depends on the deposit of Jiangnan Bank!" That's why they pay interest on their deposits, and they almost eliminate exchange fees, all in order to trick people into depositing their money! ”

"But what about after people put their money in Gangnam Bank? In the blink of an eye, it will be diverted for other purposes! The shopkeeper Song swept his gaze over everyone and said, "You understand now, why did I say they were paper tigers, right?!" ”

ps. The third update is also a big change.,It's all over the place.,But it's finally finished.。 Have a day off on Saturday and write again on Sunday.