Chapter 720: The Money Trap
"Minister?" Song Zheng was taken aback, "Your master?" What happened to Uncle Lu? ”
"The old man was arrested by the people of the Criminal Department and put in prison, and he was a three-eyed forensic doctor." The steward cried.
Song Zhengteng stood up suddenly: "Arrested and put in prison? Who is so bold? "Lu Dafu, as the big boss of Huitong Commercial and Trade Bank, can now be regarded as a leader in the business community of Jiangning, although he is a businessman, but he can cooperate with the eldest prince of the Prime Minister's Mansion, and he has also absorbed the shares of the Imperial Palace Internal Affairs Office, and his status is extraordinary.
Such a character was actually arrested and put in the prison of the Criminal Department! Song Zheng was shocked. He clenched his fists, "You get up and talk first, what the hell is going on!" ”
The steward got up trembling and kept touching his tears.
It all started more than two months ago. On that day, a man named Shen Huaqing went to the trading building of the trading house in Jiangning City to visit Lu Dafu. Shen Huaqing is the semicolon shopkeeper of Ruifeng Qianzhuang, and he has also dealt with Lu Dafu. At the beginning of the establishment of Huitong Trading Bank, Ruifeng Qian Zhuang also approached Lu Dafu, hoping that the trading bank would allow the use of Ruifeng Bank's silver tickets for transactions. It's just that Lu Dafu didn't agree for the sake of safety. Anyway, Lu Dafu and Shen Huaqing also know each other. This time, Shen Huaqing came to the door, so Lu Dafu quickly invited Shen Huaqing in.
After taking a seat, Shen Huaqing quickly explained his intentions, it turned out that the big shopkeeper of Ruifeng Silver wanted to change hands and sell the entire silver number to Huitong Trading Bank for 650,000 taels.
Huitong Trading Bank has long wanted to set up its own bank. At present, the transactions of commercial banks are generally dominated by the silver tickets of Chase Bank and Kaibao Bank. In particular, Huitong Trading Bank expanded, borrowing a lot of silver taels from Chase and Kaibao, which were quite controlled by these two silver accounts. If you set up your own silver account, it will be much more convenient for Huitong Trading Bank to use money.
Lu Dafu is an old man in the shopping mall, although he is happy to see the hunt, he can't make a rash move. Therefore, he inquired in detail about the details of Ruifeng Money and the reason for the transfer.
The head office of Ruifeng Qian Zhuang is located in Jinjiang on Fujian Road. Jinjiang is one of the bases of Daqi's foreign trade, and ocean-going ships from Luzon, Tianzhu, Persia, and Dashi docked here. At the same time, Quanzhou, where Jinjiang is located, is the main iron field production area of Daqi, in the mountains of the northwest of Quanzhou, there are Qingyang Iron Field, Yiyang Iron Field, Chishui Iron Field, etc., and the smelting of iron ore should be transferred to Jiangning and all parts of the country through Jinjiang sea ships. In addition, in Tong'an, on the south side of Quanzhou, there is still an Anren salt farm. Although the salt production is not large, it is one of the few southern salt farms in Daqi.
All these conditions contributed to the prosperity of Jinjiang, and its prosperity was second only to Mingzhou (now Ningbo), where the maritime governor Yamen was located. Because of this, the Maritime Governor Yamen sent the right army envoy to Jinjiang.
The surname of this right-hand soldier and horse envoy is Tong Mingqiong, who has a close relationship with Ruifeng Yinhao and can be regarded as the backstage of Qianzhuang. However, this purge in the army took Tong Qiong down. The charges include not only taking empty salaries, but also accepting bribes and seizing local fertile land. Originally, according to what Tong Qiong did, it was not too much to cut off her head a few times. It's just that Tong Qiong is quite sensible, and she usually respects Liang Shouxin, so under Liang Shouxin's maneuvering, Tong Qiong just fell into resignation.
Although Ruifeng Qianzhuang was not implicated, but without Tong Qiong's maintenance, the future of Qianzhuang was not good, and many powerful officials and big families were eyeing Ruifeng Qianzhuang, including the Xu family, one of the big families in Jiangnan. Therefore, the big shopkeeper of Ruifeng Qianzhuang, that is, Shen Guanzhi, Tong Qiong's uncle, wanted to withdraw from Qianzhuang, and entrusted his younger brother, that is, Shen Huaqing, the shopkeeper of Ruifeng Qianzhuang's Jiangning branch, to find Lu Dafu.
Behind the Huitong Trade House is the Prime Minister and the current little emperor, it stands to reason that no one dares to break ground on the head of Tai Sui. However, Lu Dafu was cautious, and he still sent his henchmen to carefully investigate Ruifeng Yin.
The scale of Ruifeng Money Village is naturally far less than that of Datong Money Village and Kaibao Money Village, in addition to the head number in Jinjiang, in Fujian Road and Liangzhejiang Road and Jiangning set up eight branches. Among them, the Jiangning branch is not small, second only to the general number, and the silver tickets issued also have a large market in Jiangning.
After a month-long investigation, Lu Dafu found out the bottom of Ruifeng Qianzhuang, and after discussing with Huang Yue, Xu Mingxuan and others, he agreed to the deal. Just over a month ago, the two sides officially handed over. Although Huitong Trading Bank is now a big business, it is still difficult to sustain it by withdrawing 650,000 taels of silver at once. The two sides discussed that Huitong Trading Bank would pay 250,000 taels in advance, and the remaining 400,000 taels would be paid in four years, 100,000 taels per year.
Even so, with 250,000 taels withdrawn, the liquidity of Huitong Trading Bank immediately went to eighty percent, leaving only twenty percent to maintain normal expenses. Thanks to the silver taels needed by Bei Leye's side, they had already been prepared, otherwise the commercial branch on the Shuguan side would also be affected.
In fact, Huitong Trading Bank has made a lot of money over the years, but due to its rapid expansion and lack of cash in hand, the time is not ripe to set foot in the bank. But since the news came out that Datong Money Bank and Kaibao Money Bank were going to set up a Huilian number, Lu Dafu and others felt tremendous pressure. Originally, Huitong Trading Bank borrowed a lot from the two major banks, about 300,000 taels, and if the two major banks joined forces again, it would firmly restrict the development of Huitong Trading Bank. Therefore, Lu Dafu gritted his teeth and swallowed Ruifeng Qianzhuang.
Fortunately, in the month since taking over Ruifeng Qianzhuang, everything is quite normal, which makes Lu Dafu, Huang Yue and others breathe a sigh of relief. In the next step, we can gradually reduce borrowing from the two major banks, and at the same time, with the expansion of Huitong Trading Bank, we will slowly open the branches of Ruifeng Money Bank all over the country, and then impact the market of the two major money banks of Kaibao and Datong. With the mutual blood transfusion between the trading bank and Ruifeng Qianzhuang, it is not impossible to achieve the steady growth of both at the same time.
It was a good way, but just five days ago, a smack struck me. Ruifeng Qianzhuang was actually involved in the big case of the household department that year.
It turned out that with the help of the "east wind" of Daqi to track down the empty salary, the major case of 300,000 taels of Shu Guan silver in the household department was re-raised, and Dong Lancheng, the new secretary of the criminal department, was fully responsible for recovering these salaries.
Dong Lancheng, as the confidant of the prince and the juniper, knew the whereabouts of the 300,000 taels of silver, and his spearhead was aimed at Prime Minister Huang Yuandu. Although the whereabouts of the 300,000 taels of silver sank into the sea with the execution of Tang Wan's father, Tang Qing, what kind of person is Dong Lancheng! At that time, the Imperial City Division also traced this batch of money and obtained a lot of clues. It's just that because Xiao Jun and Huang Yuandu don't know what agreement they have reached, the Imperial City Division didn't investigate further.
Now that Xiao Hui is dead, Dong Lancheng, who has changed his court, relied on the clues of the year to continue the investigation, and finally confirmed that this batch of money was transferred from the household department to the Jiangning Mansion Treasury, that is, where Song Zheng's uncle Fang Jingui served as the treasurer.
The next thing is easy to do, the Criminal Department looked up the records of the Jiangning Mansion Treasury over the years, and finally found that 280,000 taels of them had indeed been put into the warehouse, but they were quickly transferred to the Jiangning branch of Ruifeng Qianzhuang! Moreover, these 280,000 taels from the storage to the warehouse, not in the name of Shuguan silver, but the disaster relief silver of Fujian Road and Guangnan East Road.
The record shows that Shen Huaqing, the second shopkeeper of Ruifeng Qianzhuang, withdrew the 280,000 taels of silver by virtue of the letter of the household department and the certificate of the bank!
Here's where it happened. When Tang Qing was censored, he stated that this batch of money was handed over to the branch of Datong Bank in Jiangning, and entrusted Datong Bank to transfer Shuguan. However, the relevant household documents could not be found anyway. Without this official document, Chase Bank would not have admitted to receiving this batch of silver. Because of this, Tang Qing, the adjutant of the household department, and two assistants were executed by raiding their homes, and the 300,000 taels of silver were also deposited as a mystery.
No one expected that the 300,000 taels of silver were not originally transferred to Datong Bank, but most of them were transferred to the Jiangning Treasury and then taken away by Ruifeng Bank.
When the case was traced to this point, the Criminal Department naturally needed to ask the Ministry of Household Affairs whether it had issued a document to allow the Jiangning Treasury to transfer this batch of silver taels. However, household records indicate that no such official document was issued. The Criminal Department carefully examined the official documents of the household department kept in the treasury of Jiangning Mansion, and found that these two official documents proving the exit and entry of the treasury were actually fake! Only the silver certificate left by Ruifeng Silver when it withdrew this batch of silver is genuine.
In other words, the Jiangning Mansion Treasury accepted the 280,000 taels of silver in a daze, and handed over the silver to Ruifeng Qianzhuang in a daze. The only thing that is certain is that this batch of silver existed, and it was indeed taken away by Ruifeng Bank.
As a result, Song Zheng's uncle Fang Jingui, as the treasurer of the Jiangku Treasury, was arrested and imprisoned by the Criminal Department, and the then Jiangning Mansion Yin is now deceased, otherwise he will also be interrogated. Although Fang Jingui did not embezzle a penny, he did not identify the fake official document back then, and the responsibility was not small. Naturally, the position of the petty official of Jiupin cannot be kept, and whether he is sentenced or even killed depends on whether this batch of silver can be recovered.
Next, the Criminal Department sent personnel to raid the Jiangning branch of Ruifeng Qianzhuang and searched the whereabouts of 280,000 taels of silver. Fortunately, Lu Dafu was extremely safe, and after taking over Ruifeng Qianzhuang, he wrote off the old vouchers he had accumulated, and if there was no problem, he stamped the newly activated seal, and then sealed it. In particular, when it comes to more than 1,000 taels of silver, it is focused on screening and kept separately.
The Criminal Department conducted an inventory for two days and found no records of 280,000 taels of silver. Despite this, with the vouchers retained by the Jiangning Treasury, Ruifeng Silver had to repay the 280,000 taels of silver. Lu Dafu naturally did not admit the account, and asked the Criminal Department to track down Shen Huaqing, the original semicolon shopkeeper who personally issued this voucher.
However, after Shen Huaqing made the settlement clear, he had already left Jiangning and did not know where to go. Shen Huaqing's hometown of Zhenjiang is also nowhere to be seen. In this way, the 280,000 taels of silver fell on the Ruifeng Yin. As for the former treasurer Shen Guanzhi, he claimed that Ruifeng Silver had already been delivered. The agreement he signed with Lu Dafu clearly stated that Lu Dafu had full authority to receive all the incoming and outgoing accounts of Ruifeng Yin.
Because of Lu Dafu's special status, the Criminal Department did not embarrass him, but asked him to raise 280,000 taels of silver within half a month. Two hundred and eighty thousand taels is not a small amount, where did Lu Dafu find so much silver? Although Huang Yue and Xu Mingxuan have extraordinary net worth, they have also invested most of the silver in the branches of commercial and trade houses in various places in the past two years, and they can't take out so much cash.
What is even more infuriating is that Chase Bank and Kaibao Bank also demanded that Huitong Commercial and Trade Bank repay the loan in advance under the pretext that the Huilian account was about to be established. At this point, even Huang Yue didn't have a good way.
Misfortune is not a one-way street, just when Lu Dafu was worried, Lu Chun's brother Lu Qiu got into a lawsuit.