Zhang Fu's face was flushed, and he was completely stunned by Niu Venus's barrage of questions, and he couldn't even say a word in anger. Not only Zhang Fu was stunned, but even the other people sitting at the table were also confused, who is this person? How can you say that the truth is incompatible with us?

Then Niu Jinxing scolded: "With such a character, you still call yourself a genius and a scholar, and you also say that you are a disciple of Song Lixue, aren't you afraid of tarnishing the knowledge of Mr. Zhu and Mr. Cheng?" Unfilial piety is the son of man, disloyal and vainly claiming to serve the country. What kind of face does an unfaithful and unfilial person have to stand on the hall, it is better to go home and hold the child, the child born to the little lady is not on the stage, selfish and selfish. ”

Niu Jinxing finished scolding in a rage, and without waiting for Zhang Fu to return the favor, he left with his entourage striding proudly, leaving a room of stunned people.

Niu Jinxing scolded and left, his anger came out, Zhang Fu and the others were angry, they were humiliated, and they didn't know who this person was, you said that they were depressed or not, but just now everyone was stunned and was scolded stupidly. Zhang Fu is still stunned, he has a good party with his friends, talking loudly, why was he scolded by someone, especially that person also deliberately scolded the little lady, this is Zhang Fu's lifelong scar, can he not be angry? But everyone is gone, what can they do, these people can't even eat, and they are all gone.

Three days later, all the grain transported back from overseas by the Daming Royal Trading Company was unloaded, and all the grain stores in Suzhou, Wuxi, Songjiang and other places began to sell at unlimited and parity prices, and even lower prices than in previous years. Those residents in the city began to rush to buy, and they also thought about selling grain to the grain hoarders, who knew that they not only did not accept it, but also wanted to return the grain that was originally purchased at a high price to them, so the market began to make noise, and now everyone knew that the price of grain was normal, and no one stopped buying grain, and the merchants who hoarded grain began to scold their mothers.

As the main promoters of this speculation and hoarding of grain, Qian Qianyi and his cousin were pushed to the forefront at this time, and many businessmen began to settle accounts with them and let the two of them explain the reason.

Qian Qianyi is a little better, at least he is an official, even if he is dismissed and goes home, the businessmen don't dare to do anything to him, but his cousin is miserable, he was scolded by those businessmen who are about to go bankrupt, and he has to say good things to everyone, anyway, everyone is unlucky, he is still the leader, and he swears that he can make money, but he is dumbfounded in front of the facts.

These two people are not the most unlucky, the most unlucky is Zhang Fu, after being scolded by Niu Jinxing, Zhang Fu fell ill when he returned home, and he had just taken medicine for three days to recuperate, and as a result, the bad news of falling food prices occurred, and he took kickbacks from it, and the loans issued as guarantees could not be recovered, and the people who forced the debt came again and again, and finally him off alive, but he was spared the tragedy of being poisoned by his friends.

Yang Lian encountered great difficulties in Suzhou, Jiangsu and Zhejiang Bank no matter how much it could not make up the reserves that need to be handed over, there was no way to announce a temporary reduction in the credit rating of Jiangsu and Zhejiang Bank, but at this time Jiangsu and Zhejiang Bank is really powerless, how much harm is to reduce the credit rating, now ordinary people are still not clear, but as the top bankers of the business elite are the most clear, which means that their share of savings will shrink, once this happens, their development prospects will be greatly impacted, and even disappeared into the ranks of first-class banks.

In order to recover the damage to its reputation, the banks began to rectify their subordinate branches, and even planned to reorganize them in order to get rid of the impact of this incident and avoid greater losses.

The first step is to investigate the initiator of this incident in detail, this investigation does not matter, Qian Qianyi became the culprit, the problem is very simple, that is, under his flickering, his cousin became the largest merchant in hoarding grain this time. As for Zhang Fu, who operated this matter with Qian Qianyi, the lights have been extinguished, and no one can be found even if he is held responsible, so he can only take Qian Qianyi to the top cylinder.

The second step is to make those responsible for this incident pay the price. As the largest shareholder of the Wuxi branch of the Bank of Jiangsu and Zhejiang, Boss Qian has undoubtedly become the target of public criticism, and he can only make him pay the price for this incident.

Although Boss Qian has a lot of money, his business has been completely ruined by the continuous complaints. All the merchants involved in this grain hoarding, including the money boss, had to pay off the loan in a few short days, which was very difficult, bankruptcy was inevitable, but bankruptcy could not pay off the debts owed.

The price of grain has reached the lowest point in history, the price of grain in the grain store of the Ming Royal Trading Company is still decreasing, according to them, the price of grain purchased overseas is very low, even if it is transported to China, it is much lower than the domestic price, they still make money by selling at such a price, in order to get benefits for the people, in order to make the people of Daming eat their stomachs, they have to go to sea again to purchase.

Boss Qian, they spent almost three times the usual years to hoard the grain is now only worth one-third of the current value, even if all the grain is exchanged for cash, it is still a lot worse to pay off the loan, and the only person who can eat all these grain businesses is the Daming Royal Trading Bank, there is no other way, the major shareholders of Jiangsu and Zhejiang Bank have to go to find the Daming Royal Trading Bank to buy grain.

When the Bank of Jiangsu and Zhejiang was trying to find a way to solve the problem, another bigger thing happened, there was a run on the Bank of Jiangsu and Zhejiang throughout the country, a large number of businesses and individuals flocked to the branches of the Bank of Jiangsu and Zhejiang, asking for the exchange of certificates of deposit into cash, crazy people almost beat the shopkeepers around the place to death, fortunately, there are still Yamen in the Ming Dynasty to maintain order, whether there is a possibility of death.

The major shareholders of the Bank of Jiangsu and Zhejiang were completely panicked, if the run continued to ferment, not only the money boss and those grain merchants would go bankrupt, but even their shareholders who did not participate in the hoarding of grain would also be affected and suffer from the disaster of pond fish, so they must solve this turmoil as soon as possible.

The shareholders of Jiangsu and Zhejiang Bank began to show favor to Yang Lian, begging Yang Lian to hurry up and find a way, and even asked Yang Lian to quickly announce the improvement of the credit rating of Jiangsu and Zhejiang Bank, so that they could take a breath and avoid bankruptcy.

Yang Lian did not expect that things would develop to this point, it is easy to reduce the credit rating of commercial banks, but after causing this run, it is extremely difficult to simply restore the grade, so it must be recognized by all shareholders of the central bank of the Ming Dynasty, this incident is a good opportunity for everyone to beat the water dogs, and take the opportunity to expand their business reputation, who is willing to help them?

Yang Lian thought about it, and finally the bell had to be tied to the bell, he wrote this matter as a fold, and sent it to Kyoto by way of eight hundred miles of express delivery, asking for Zhu Youxiao's suggestion, so that Zhu Youxiao could find a way to solve this problem, after all, Yang Lian's management knowledge of modern banks still comes from Zhu Youxiao, and he thinks that only Zhu Youxiao can solve this dilemma.

After receiving Yang Lian's recital, Zhu Youxiao was happy in his heart, what he needed was this effect. Many businessmen in Jiangsu and Zhejiang, especially those businessmen controlled by the Donglin party, are really lawless, they try to control the policy trend of the Ming Dynasty by virtue of their huge wealth, businessmen and officials of the Donglin party collude with each other to influence the national situation of the Ming Dynasty, regardless of the safety of the country, only think of their own selfish interests, give them the necessary punishment or should, but things can not be without a limit, should be stopped in moderation, try to avoid the run on the whole country, lest everyone do not believe in the banking system, this is the biggest loss.

Yang Lian, who was anxious, and the shareholders of Jiangsu and Zhejiang Bank finally got a reply from Zhu Youxiao, with only a few simple words "debt-to-equity swap". What do you mean? There are not many people who understand this truth, Yang Lian had to go to Niu Jinxing and ask him to explain, after all, Niu Jinxing knows Zhu Youxiao best, and he has been doing business with Zhu Youxiao for the longest time.

What is Niu Jinxing doing, he is drinking in Taibai Building, the best restaurant in Suzhou City! I was thinking that the emperor's tricks were too high, the ships that had just unloaded the grain in Hankou had not had time to return to Jinling, and they were all booked in the middle of the road, all of which were booked by the merchants who were asked to transport the grain, and the grain merchants who were asked to repay the debts did not hesitate to transport the grain to the north, after all, the price of grain over there was even higher than that here, and it was a little bit to reduce the loss and keep a little property, and Niu Jinxing even saved the freight of transporting grain, and even earned a little freight.