In the past few days, in addition to thinking about the questions raised by Niu Jinxing, Yang Lian also sent people out to understand the current situation in the market, including not only the prices of various grains in the market, but also asked people to carefully investigate the stocks of those large grain hoarders to see how much grain they have hoarded. The last point is to investigate how many merchants are involved in this grain hoarding incident, how deep these merchants are involved, and to what extent they need to be dealt with to satisfy Niu Jinxing. If these things are not clear, Yang Lian still has no way to deal with this crisis, and it will even cause great losses to the central bank of Daming, which is absolutely impossible.

Yang Lian has not yet gotten the results, and the discovery in the past two days is just the tip of the iceberg, which makes Yang Lian already shocked, the mental investigation is still ongoing, Yang Lian must have quite detailed information before he can make a decision, so it is necessary to give these people a cold face.

But it's not okay to always have a cold face and not speak, Yang Lian and the others have almost sunburned them, and then said to them: "I don't know what the outcome of this matter will be, and what the future of Jiangsu and Zhejiang Bank will be, no one can say." At present, you need to cooperate with my work, and the most important thing is to find out how many shareholders of Jiangsu and Zhejiang Bank are involved in the hoarding of grain, how large the specific amount of hoarding, and how much capital is occupied. Another thing is to check your family resources to see how much your own funds and working capital are at present, how many savings deposits need to be redeemed, and how many loans need to be recovered. Sort out these data separately by month, and then we will negotiate the treatment plan, and it is best not to let the central bank wipe your ass, then it will be a big trouble. ”

These shareholders heard Yang Lian finally speak, and also proposed specific methods to them, one by one to put their hearts in their stomachs, but the last sentence "It's best not to let the central bank wipe your ass", which scared them again, because letting the central bank wipe their butts means that Jiangsu and Zhejiang banks are going bankrupt, and they are all likely to lose the wealth invested in Jiangsu and Zhejiang banks, although these people will not go bankrupt, but the income in Jiangsu and Zhejiang banks in recent years is still considerable, and no one wants to lose this cash cow.

Leave these shareholders of Jiangsu and Zhejiang Bank busy wiping their butts, and then talk about Niu Jinxing and his Daming Royal Trading Firm. Niu Jinxing let the grain transported to Hankou be transported down the river to transport back a few ships, unload some at each grain store, and then write the grain price on the wooden board and show it, and cut the grain price by 20 percent again, that is, the price in ordinary years is about 80 percent, and the big merchants who hoard grain are even more anxious, and have to lower the grain price again, and they have to give preferential treatment to big customers, they need cash too much, whether it is the credit department manager of the Jiangsu and Zhejiang Bank, or those usury fund-raisers, They all waited at home, and when they saw a little cash, they hurried to take it, and it was better to have a little than to owe.

Niu Jinxing saw that the market had reached the bottom line, so he quietly withdrew a large amount of cash from Tenglong Bank, including bank acceptance bills, and asked the shopkeepers from all over the north who were waiting here to start buying these hoarded grains, and told them not to buy too much at one time, and slowly adjusted the appetite of these businessmen, so that their psychology could bear some more pressure.

The market gradually became active, and the whole shipload of grain began to be transported northward, whether it was on the Grand Canal, or on the railway from Beijing to Wuhan opened in sections, and then on the horse-drawn carriages on the official road, all of which were transporting grain day and night. The food in the north can only sustain people from starving, and the livestock they feed have almost been killed, after all, the scope of the disaster is too large, and the food needs are very short.

The results of Yang Lian's investigation came out half a month later, seeing this result, even Yang Lian, who had a very good temper, couldn't help but curse, this result was not only shocking, but extremely bad, it can be said to be mad, and it can even be said that he needs to kill someone.

All the merchants hoarded half of the grain of the year, the population of the Jiangnan and Huguang generation is now nearly 60 million, and the annual ration of each person is about 150 million quintals, and the annual output is about 200 million quintals, these people have hoarded 100 million quintals, and now the price of each quintal of grain is two taels of silver, and the cost of their hoarding of grain is about 5 taels and 1 quintals, and the price of grain in the north reaches 12 taels and 1 quintals when it is the highest, that is to say, if they transport these grains to the north, They will be able to double the profits, or even triple the profits, and if the monopoly is added, the price of food may be even higher.

This is the general situation of grain merchants hoarding grain, and there are even more businessmen involved in this hoarding of grain, almost all the big grain merchants in the city are participating, and even some merchants who did not operate grain before, see the huge benefits, even if they rent warehouses, they also hoard a large amount of grain, it seems that people's greed is endless, and normal business ethics have been reduced.

In addition to ordinary businessmen, the number of participants is more ordinary urban and rural residents, who not only pour their rations to sell, but more seriously, they deposit most of the spare money that cannot be used at home to the Bank of Jiangsu and Zhejiang, and then come to obtain the high interest on the special savings during this period. These are the only ones that can be understood, the most unbearable thing to accept is that a large number of people participate in illegal fundraising, the original existing usury businessmen use the way of high-interest absorption, the huge amount of cash at high interest to suck into their hands, after all, for a period of time, ordinary people have a lot of spare money in their hands to participate in this food turmoil, usurers will bring this spare money to the grain merchants, so that they hoard more food, and the cost of these funds will be higher, making them more crazy, hoping to get more profits.

Yang Lian was completely angered by the behavior of these people, and the entire circulation mechanism in the market was completely disturbed and messed up by this food turmoil, lost the normal operation law, became extremely crazy, the moral bottom line was infinitely reduced, and people's hearts were completely polluted by money.

Suppressing the anger in his heart, Yang Lian once again convened the major shareholders of Jiangsu and Zhejiang Bank, including all the supervisors of Jiangsu and Zhejiang Bank, to see what kind of danger they were to the bank's capital situation, and whether they knew about the capital operation in this food turmoil.

The major shareholders of Jiangsu and Zhejiang Bank and the businessmen of the board of supervisors came to Yang Lian's official residence tremblingly, their hearts are now cold and cold, even if Yang Lian does not look for them to understand the situation, they will also report to Yang Lian as soon as they investigate the situation, they themselves feel that this time the matter is big, Jiangsu and Zhejiang Bank is estimated to be difficult to keep, because the grain merchants poked the leak is too big, even relatives and friends are difficult to help them raise enough funds to fill this big hole.

The share capital of Jiangsu and Zhejiang Bank was originally only six million taels of silver, after these years of continuous development, coupled with Zhu Youxiao's encouragement of manufacturing, encourage export overseas operations, the share capital of Jiangsu and Zhejiang Bank has also expanded rapidly, although they do not want to Tenglong Bank's expansion speed is so exaggerated, but after several share capital issuance and original shareholders subscription, the scale has now reached the scale of 60 million taels of silver, which is equivalent to an expansion of ten times, and the absorption of residents' savings deposits is ten times that of their own funds, reaching 600 million taels of silver, This is a very proud business performance.

However, when they saw the cost of grain hoarding by those grain merchants, they were completely dumbfounded, and the scale of grain hoarding of 100 million quintals required at least 500 million taels of silver, accounting for more than 80 percent of the capital scale of the entire Jiangsu and Zhejiang banks, and according to the current price of grain, these hoarded grain can only buy 180 million taels of silver, and there is still a deficit of more than 300 million yuan that they need to make up.

Even if the bank goes bankrupt, they only need to pay part of their own investment, and they don't need to fill it in from their own homes, but in terms of business reputation, they have completely lost the foundation for a comeback, and completely faded out of the ranks of Daming Bank, and then there is no hope of using a large amount of funds to carry out business activities, which is the real fatal ending.