The money and silver pawnshops in Xuzhou City are concentrated on Nanmen Street.

Coincidentally, Hengtongji is at the opposite door of Jiangnan Bank.

At this time, the window on the second floor of Hengtongji was open, and the shopkeeper of Song stood in front of the window with his hands behind his back. The sunlight was a little dazzling, and he built a pergola with a folding fan and watched the customers coming in and out of Jiangnan Bank opposite.

I saw that the cashier came out of Jiangnan Bank and went straight to Hengtongji.

"You idiot, don't you know how to go around from behind?" Song Cai, the shopkeeper of the Xuzhou branch, stood behind Song Xiaoming. As soon as the man went upstairs, he cursed.

"The villain is negligent, the villain should be damned." The guy who played Hengleng in Jiangnan Bank was as well-behaved as a little white rabbit at this time, and slapped himself hard.

"Okay, Ming people don't do dark things. Let them know who is dealing with them. Song Xiaoming shook the fan lightly.

"Why did you come out empty-handed? Didn't you tell you to take out the money? Song Cai stopped scolding, but still didn't ask angrily.

"It is said that it is according to the rules, and it will take five days to pay." The cashier hurriedly replied: "The villain thinks that it is unreasonable to make trouble, so he has to agree to go back in five days." ”

"Oh?" Song Cai was taken aback and said: "Yesterday, it was less than two thousand taels, and they were all paid on the same day." ”

"You're the one who has alerted people." Song Xiaoming said clearly: "I have collected all the silver tickets of others, can people still not notice?" ”

"This Jiang Dou really can't be used as a side dish." Song Cai was quite surprised when he heard this: "I didn't think he was so vigilant before. Could it be his lieutenant named Richard? ”

"It makes no difference." Song Xiaoming said lightly: "Don't say five days, they won't be able to transport silver in ten days." ”

"Hehe, it won't be a month, unless their silver boat can put on wings and fly through Huai'an." Song Cai hurriedly laughed.

"Since the other party is already alert, let's not take two thousand or two thousand." Song Xiaoming instructed Song Cai: "In the afternoon, it will be changed to a large amount of exchange, and he will be handled at least one million taels today." ”

"Yes." Song Cai nodded hurriedly in response. The reason why it is limited to 2,000 taels is because in Jiangnan Bank, the exchange rate of less than 2,000 taels is customary, and it is customary to pay directly to the bank. In this way, it can show that they have a lot of money, and secondly, it can also simplify the procedure, which is convenient for everyone.

Who knew that the other party shrank so fast, so that they were closed before they had time to steal the tower.

But the result is not bad, and if you can't get the money after five days, Jiangnan Bank will be finished.

~~

Song Da's shopkeeper's plan is very simple, that is, a run.

This trick is not uncommon in later generations, but in the Longqing period of the Ming Dynasty, it is definitely a pioneering feat.

It's not that others are too stupid, but because the business strategy of the money bank ticket number in this era is very conservative, which makes it difficult for the malicious run to work.

For example, Qianzhuang is very cautious in choosing a location for a semicolon, in addition to the economic development and commercial prosperity of the place itself, convenient transportation is also very important.

For example, Chengdu is a prosperous city in the Ming Dynasty, but none of the four major money banks has a semicolon there. There is no other reason, the traffic is not smooth, and the inventory silver is inconvenient to flow from other places. In order to ensure the safety of the operation of the Chengdu branch, it is necessary to prepare several times the inventory of silver elsewhere.

Therefore, they simply abandoned Chengdu and only operated in cities along the Yangtze River and canals. In this way, once there is a shortage of silver somewhere, the head office can immediately use convenient water transportation to transport cash from other places to support.

Why stipulate a five- to ten-day payment period? It's just to prevent this from happening. With a grace period, they are not afraid to concentrate on large cash withdrawals in different places. Although the money bank ticket number is also lent at this time, the amount is not large, at most it accounts for one percent of the deposit, and it will definitely not reach two percent, so the money bank is normally not afraid of a run.

However, the interruption of transportation has made the convenient transportation of the Grand Canal come to naught, and the money village naturally cannot support each other, which makes the exchange in other places extremely risky.

But for the money bank, credit is greater than the sky. Since you promised at the time of deposit, the national semicolon, five days is preferable, then any excuse is useless. If you don't see cash for five days, the customer can directly smash your signboard and let you close the store.

Of course, the canal was only scrapped from Xuzhou to Huai'an, and Xuzhou was barely able to sail north. Jiangnan Bank can still borrow some positions from Jining, Linqing and other places in Shandong to save the emergency.

However, Song Xiaoming calculated for them, even if the Jinan branch is added, all four branches of Jiangnan Bank in Shandong can survive three million taels in Xuzhou.

As for the branches in Beizhili, they were beyond the reach of the whip, and when they transported the silver, the daylilies were cold.

In the past few months, the shopkeeper of Song Da has secretly set up more than 100 accounts in batches and subdivisions of Jiangnan Bank in various parts of Jiangnan, and deposited a full 5 million taels of silver!

Now, more than 100 people have come to Xuzhou to withdraw money at the same time with their membership tickets, and I don't believe that his branch can withstand it!

~~

However, Jiangnan Bank has one more moat than other money banks, that is, their silver tickets already have basic credit.

This made it possible for them to send silver tickets on fast horses. Although Song Xiaoming's subordinates will definitely not ask for silver tickets, the people who follow the trend to withdraw money may not be.

In order to abolish the last hope of Jiangnan Bank, and in order to create a scene of crazy runs, the shopkeeper of Song asked various banks to buy the silver bills of Jiangnan Bank on a large scale.

Now, all the ammunition is ready, and the cannon is blazing!

A smile finally appeared on the face of the shopkeeper of Song.

It's a win!

~~

Opposite, the lobby of Jiangnan Bank.

Although Manager Mao personally went into battle, he used decades of housekeeping skills to handle business like a sloth, and exhausted the patience of every customer. But before getting off work in the afternoon, I still handled the exchange of nearly one million taels, and all the cash was withdrawn, so I didn't want to meet the ticket!

This amount is the business volume of Xuzhou Branch for two whole months.

At this time, even ordinary tellers can see that someone must be doing something......

President Jiang kept staring at the hourglass, and as soon as the time passed, he immediately ordered to ring the bell to close!

Usually, he only rings the bell after watching the customer finish his business. But today, it can't wait for a moment.

As soon as the bell rang, Manager Mao was like an amnesty, and hurriedly got up and bowed to the customers in line and said:

"I'm sorry, we're off work. Ladies and gentlemen, let's do it again tomorrow. ”

Customers also want to bother that the security guard has paid for someone. They had no choice but to curse and withdraw from the bank.

When the security guards went to the door as fast as they could, everyone at the bank breathed a sigh of relief.

"It's no big deal, the sky can't fall." Jiang Dou appeared at the front desk and said to the restless subordinates: "After checking the business, let's hurry up and eat, and add dinner tonight." ”

With that, he turned and went into his office inside.

Richard had been waiting there for a long time, and after a while, three managers came in one after another.

Manager Mao walked last, latched the door backhand, and then placed a stack of withdrawal slips on the table.

"How much is it?" Governor Jiang asked with his fingers gnawed, and the other three also looked at the stack of ATMs as if they were facing a great enemy.

"One hundred and thirty-three thousand taels." Manager Mao replied with difficulty.

Although "Hiss ......" had been mentally prepared, the four of them still gasped in unison.

One hundred and thirty thousand taels, just to kill all the inventory silver in the bank!

"Look at it like this, tomorrow will only be more, not less." Richard said dryly.

"yes." Everyone nodded, and this morning it was all small withdrawals. In the afternoon, it will all become tens of thousands of taels!

If you don't do it tomorrow, you can get two million in one day! What do you pay them for?!

"Let's ask the head office for help." Jiang Dou leaned back in the chair, and a huge sense of powerlessness hit him like a tide.

The pursuit of fast communication is engraved in the bones of the ticket number of the bank, so each bank has a special pigeon breeder. After the carrier pigeon flies to the destination and returns home, there will be a special pigeon delivery person, who will put the pigeon in a cage and send it back with good food and drink.

But since the other party is planning to engage in the Xuzhou branch, there must be bird-beaters guarding nearby. It is too dangerous to release carrier pigeons from the bank in broad daylight, and if you can't fly out of Nanmen Street, you will be beaten down.

Therefore, the pigeon freer has to ride out of the city and fly in the wilderness where there is no one around, so as to ensure that he will not be knocked down during the take-off phase. It is also necessary to prepare a few carrier pigeons in case you encounter birds of prey such as eagles on the way.

~~

After settling down, Governor Jiang said to everyone again: "We can't wait, we have to go to the docks of each family to see if we can open some positions and come back, don't care about interest." I can't stand it these days, everything is over! ”

"Understood." Everyone nodded, and Richard hesitated and asked, "Do we have to know first, what do they want?" If you want us to die, there's no need to humiliate yourself. ”

"When has it been since you still cared about this face?" Jiang Dou laughed, leaned on the table and got up, "Come down from the dock, even if you can't open the position, you can figure out what is going on." ”

"Understood." Richard nodded and said to Jiang Dou: "Count me in." ”

"Lao Li, you don't know the place well, so you don't have to go." Governor Jiang persuaded.

"I can't sit still in the line, so let's be together." Richard smiled.

"Okay, then let's go eat deflated together." President Jiang laughed, feeling that this Li Jianjun was much more pleasing to the eye.

~~

Sure enough, when the five of them came back from outside in the middle of the night, they were all gray-headed and empty-handed.

The five of them sat silently in the flower hall, and none of them wanted to speak. The kitchen brought them supper, and no one touched the chopsticks.

They had already run all over the big and small money banks on Nanmen Street, and they all opened to double the normal loan interest, but they only borrowed 200,000 taels from Wanyuan.

The rest of the money banks either cried that they were poor and couldn't get the money, or they sneered...... Those who bought silver tickets on a large scale were even more vicious, saying things such as 'you have today', 'it's really unpleasant to retribution', etc., which can make people angry to death.

After a long time, Jiang Dou, who was the president, relieved himself first, and smiled at the four of them: "The good news is that Wanyuan and Xinlong are not mixed, and the Guangheng Tongji family is the leader, and we are not considered to have betrayed our relatives." ”

Everyone couldn't laugh, there was always a rich bank boss with a lax mouth, and his words revealed that the shopkeeper of Hengtongji, Song Da, had been planning this matter for several months! Hengtongji, a powerful and wealthy man, was so deliberate and struck a blow that Jiangnan Bank was caught off guard, how could it withstand it?

"President, why don't you ...... tomorrow?" Manager Mao asked tentatively, "Let's find a reason to close down, shall we?" ”

", they've arranged it step by step, how can you hang up the no-war card?" Jiang Dou scolded and said categorically: "If we don't open on time tomorrow, someone will definitely smash our store, and it will be over in one fell swoop!" ”

As he spoke, he picked up his rice bowl and said, "Eat, there will be a fierce battle tomorrow." ”

"yes, let's eat." Richard also picked up his chopsticks and said to the three managers, "Isn't there still five days?" The board of directors and the president of the group will definitely be able to figure out a way. We have to stay the course, otherwise it will be useless to have a way. ”

"Alas, it's ...... to eat" The three of them finally picked up their rice bowls and barely ate them.

ps. The third update, ask for a monthly pass!