The establishment of a branch of Huitong Qianzhuang in Nanjing, before Luo Yuhong proposed it, Zhu Pingjin also thought of it. At that time, his thinking was nothing more than simply earning economic benefits, but his wife combined the economic, political and military aspects, and used the rope of Qian Zhuang to connect the three, and the level of the two people's thinking was high.

Luo Yuhong stubbornly pushed back: "How to keep the money in the money for a long time and ensure that the silver money is strong, that is just a technical problem." There are many ways to do this, such as issuing large certificates of deposit; For example, the automatic rollover clause of bills of exchange; For example, if you don't take it after three years, the ownership will go to the bank; Like what...... Technical issues are not something that you, the top leader, should consider! In short, as long as the two of us set the general direction, there are people to do specific things! Your uncle's Qiu Da shopkeeper has been engaged in the money bank for so many years, and there are no such small methods, you are too underestimated! ”

"Okay, my wife thinks about it!" Zhu Pingjin smiled helplessly.

Having such a strong and capable wife is both a blessing and a kind of torture, depending on which one the man chooses.

"Then I can make suggestions about the distribution outside the province!" Zhu Pingjin asked his wife carefully.

"Say it!" Luo Yuhong rewarded Zhu Pingjin with a chance.

"First of all, Nanjing ......"

The answer Zhu Pingjin got was the white eyes of his wife.

His idea was laughed at by his wife, and Zhu Pingjin had to take out dry goods: "There is a place you will never think of!" And there must have been a large amount of gold and silver deposited in that place! In this way, there will be an advertising effect! ”

"Say, don't sell it!" Luo Yuhong said lightly.

Zhu Pingjin sneered in his heart. His wife was calm on the surface, as if she regarded money as dung, but when she heard a large sum of gold and silver, a few fingers subconsciously popped out, which was the rhythm of preparing to grab money.

"Huguang! Daming Hunan and Hubei are a province. Wuchang, the provincial capital, is not Wuhan. ”

His wife's hopes immediately turned into disappointment: "Cut! What is the difference between Wuchang and Wuhan? Wuhan, Shanghai, Nanjing, Suzhou and Hangzhou, if you don't say it, I will also go to the distribution! ”

"I knew you didn't get it!" Zhu Pingjin looked proud, "Your solution is a bamboo broom, and everything is swept into the basket." My method is to kill at a fixed point and snipe with precision. ”

"I know, isn't it a group customer!" Luo Yuhong pouted and said, "I'm a key account manager!" Say, for the sake of our common ideals, hand over the resources you have at hand! ”

"Pocket money rises by ten taels!"

"Yes!"

"I'm talking about monthly!"

"I'm talking about every year!"

……

Why did Zhu Pingjin suggest that the bank's outlets be set up in Huguang? The reason is very simple, because his relatives, the vassal kings of the Ming Dynasty, except for the vassal states that have been abolished, removed, and cut, there are still a full nine branches in Huguang Province, which are extremely densely distributed. Thereinto:

Hubei sealed the King of Chu (Wuchang), the King of Liao (Jingzhou, expelled the country for crimes, but a large number of county clans are still in Jingzhou, subordinate to the King of Chu), King Xiang (Xiangyang), King Jing (Qizhou, now Qizhou, QI), and King Hui (Jingzhou).

Hunan sealed the King of Min (Van Wugang), King Ji (Van Changsha), King Rong (Van Changde), and King Gui (Van Hengyang). In addition to the death of King Xiang at the beginning of the year at the hands of Zhang Xianzhong, there are now eight people distributed in the land of Jingchu.

The land of Jinghu is full of fertile soil, and there are many Wangzhuang. The kings of the Kohiro domain demanded a large number of rewards, and they were all extremely wealthy vassal kings.

In Zhu Pingjin's vague memory, after Li Zicheng conquered Kaifeng and controlled Henan, he immediately went south to seize Chengtianfu (Zhongxiang, Hubei), proclaimed himself king in Zhongxiang, and officially announced to the world his determination to compete for the world with the Ming Dynasty. Shortly thereafter, he raised troops to the north, fought back to his hometown of Shaanxi, established a state in Xi'an, proclaimed himself emperor, and promulgated the name of the Great Shun Year. Soon after Li Zicheng seized Chengtian, Zhang Xianzhong took Wuchang, established the Daxi regime, proclaimed himself the king of the west, and set up government agencies such as the six central ministries and five prefectures.

It can be seen that Huguang is the land of four wars. For example, the establishment of a Qianzhuang branch in Huguang can not only take advantage of the panic when the war comes, but also quickly transport this wealth back to Sichuan along the Yangtze River waterway.

"Which of your relatives is the richest?" Luo Yuhong ordered her husband to explain bluntly, "Which family has the money, which one we will go to first!" If you don't say it, I can guess if you don't say it! Is the King of Chu in Wuchang not? His family and yours were the first to be divided, known as one of the four feudal kings, and must be the richest! ”

Looking at his wife's sexy lips curled up because of pride, Zhu Pingjin learned from his wife to cut it, which was regarded as revenge: "He is also known as the key account manager!" To grasp big customers, the important thing is to set an example and demonstrate the effect! King of Chu? The rules of my ancestors, the two kings are not allowed to meet, my family and the king of Chu have not met for nearly three hundred years, and I don't know what the name of Zhu Huakui, the king of Chu, is. ”

Zhu Pingjian's serious pretense, his wife was amused. The details of the Zhu family's relatives must be Zhu Pingjin who knows best. She switched to the heart-attacking strategy in time to betray Meng Dafa.

"I'll tell you a place: as soon as you go, you will have ten thousand taels of silver deposited!"

"Say it quickly!" There was a delicate voice in Zhu Pingjian's ears.

"Lizhou, Hunan!"

"Lizhou? What the hell is this place? The delicate voice disappeared and became a man's wife again.

"What the hell! It was a small plain as far as the eye could see. Does the Liyang Plain know? I don't know. Does Changde know? Still don't know. Does Dongting Lake know? ”

"I know Dongting Lake!" Luo Yuhong immediately replied, "The Story of Yueyang Tower, the worries of the world first, and the joy of the world after the world." I learned. ”

"I've learned it too." Zhu Pingjin glanced at his wife, "Lizhou is west of Dongting Lake, south of the Yangtze River, close to Yichang, Jingzhou and Changde. There's a little plain there. It is not small to say that it is small, there are one or two million acres of cultivated land! ”

Luo Yuhong finally suddenly realized: "I know! Your mother said that you have a relative in your family who can't beat the eight poles, and for some reason she was assigned there, and wrote to your mother at the beginning of the year to ask for money. You're trying to take advantage of this relationship......"

……

"The History of the Ming Dynasty Kings" records:

"AT THE BEGINNING, HUAYANG WANG YUEYI (YAO) SOUGHT TO SEIZE THE HEIR. Chunjue, there will be him, a hundred rods. WILL BE ARMED IN THE COURT, THERE IS YU (YU) FOR THE FORCE TO PLEASE, TO BE RELEASED. ”

ZHU YUEYI WAS ORIGINALLY THE SECOND SON OF ZHU CHUN, THE KING OF SHUXIAN, AND AFTER THE DEATH OF THE SON ZHU YUEXIAN (LIAN), HE CONSPIRED TO SEIZE THE HEIR, BUT FORTUNATELY, THE ELDEST NEPHEW ZHU YOUYU INTERCEDED, SO HE ESCAPED. But after Zhu Youyu ascended the throne of Shu, Zhu Yueyi took revenge, fought against Zhu Youyu everywhere, and even did the ugly thing of stealing the money and silk of the palace. He also bullied Zhu Youyu to be honest and benevolent, and framed Zhu Youyu. At that time, Emperor Mingrenzong Zhu Gaochi confirmed that Zhu Yuexianchun was falsely accused, and learned of his bad deeds, so he angrily threw his chapter on the ground and ordered him to move to Lizhou. As a result, Zhu Yuexi had to come from the land of abundance to the water town of Zeguo in the first year of Hongxi, and soon died in depression. As a shame for the family, Zhu Yueyi is a negative example in the cultivation and education of the Shu kings in the past dynasties.

Luo Yuhong found her first big customer and was very happy. But she soon became worried again: "The bank is open in Lizhou, will he deposit the money as you wish?" What do you mean by 10,000 taels of the horse? ”

"The situation is always stronger than the people!" Zhu Pingjin said confidently: "I received information that the combined forces of Li Zicheng and Luo Rucai have entered Hubei and are moving towards Chengtianfu, and there is an appearance of attacking Chengtianfu. Fu Zonglong, the governor of Shaanxi Province, was afraid that Chengtian would lose, and was leading the Qin army to pursue. Yang Wenyue, the governor of Baoding, led the general army Hu Dawei to meet him.

In my judgment, the Li Luo coalition army is likely to attack the point and send reinforcements. Once the two sides start fighting, it's going to be a battle!

Judging from the historical trend, Fu Zonglong and Yang Wenyue must have been defeated. If the official army is defeated, then Li Zicheng has two paths, one is to go south to continue to fight Chengtian, and the other is to return to Henan, first fight Nanyang, and then open the seal. I guess the latter is more likely. Because he fought Chengtianfu, he forced Zuo Liangyu's Chu army to fight with him; And to fight Nanyang, without the emperor's edict, Zuo Liangyu would not go out of the province to fight. Nanyang is lost, King Tang is dead, do Zuo Liangyu's, this is the virtue of those officials and soldiers! ”

Luo Yuhong's train of thought did not follow Zhu Pingjin at all, what she was thinking about was how to use the situation to make money.

"Fu Zonglong and Yang Wenyue are defeated, they will definitely scare those Huguang vassal kings to death! The king of Jiangbei must be more frightened than Jiangnan, so he should set up a point in Jiangbei first. ”

"Cast your net wide and catch more fish! In addition to Xiangyang, other cities that are divided into feudal kings are all set up! The business of the field branch can be simpler, the main thing is to make money, it is nothing more than a few stores, a few guys! The money was collected and transported back to Sichuan as soon as possible. ”

Zhu Pingjin said, and remembered one more thing: "Yichang is the exit of the Three Gorges, and there is a Shipai fortress there, and the Japanese have not fought it. Set up a point in Yichang too! I'll ask Liu Mingsheng to send someone over to the front station first. If necessary, Yichang will become a transit point for Huguang's population and wealth to Sichuan. ”

"What the hell do you mean by that?" Zhu Pingjin's wife is unrelenting. Compared with long-term planning, she cares more about realistic benefits.

Zhu Pingjin smiled: "Originally, I was going to allocate some money to King Huayang, after all, they still belong to my Shu domain." Now I decided to give them more, from 500 taels to 10,000 taels. This matter will soon spread all over the country! In addition to the friendship and benevolence of my Shu Palace, there is also the popularity and good reputation of my Huitong Money! ”

"Five-year large-amount certificates of deposit, no interest! There's no way to get it! Luo Yuhong understood what her husband meant, and the two looked at each other and laughed.

……

Before they knew it, it was already evening, and the two finally found that their stomachs were empty. Zhu Pingjin opened the door of the hall for his wife, Luo Yuhong crossed the threshold, but suddenly turned around and said:

"I think silver is too little for the issuance of silver money, and I want to use grain as a reserve. Isn't there a rice warehouse in the palace? There are 100,000 stones of long-term rice in it. If it is used to issue silver banknotes, one stone of rice is counted as one tael and five coins, and we can issue 150,000 taels of silver banknotes! If we complete the granary construction plan and use the military rations you have stored as a reserve for issuance, we can issue hundreds of thousands of taels more. ”

"Have you read Xue Duqiao's book?" Zhu Pingjin asked his wife.

He was sure his wife had never seen it, otherwise he wouldn't have asked.

"Silver banknotes have become rice banknotes, and they will become cloth banknotes, tea banknotes, salt banknotes, and even field banknotes in the future! Whatever resources we have, we can use them to issue money. Of course, the most useful resource is the right! ”

Zhu Pingjin held Luo Yuhong's hand and stood in Danbi, looking into the distance. Outside the hall, the sky was full of red clouds, the autumn tiger was still raging, and the Zhizhi in the distance was still singing tirelessly. Except for a little eunuch and a little woman who insisted on waiting for the prince and Miss Luo to eat, the sky above the huge Dan Majesty was empty.

"The credibility of a currency lies in the expectation of the issuer. If the people of the whole country have faith in this son and think that this son will be able to ...... one day Even if we don't have a copper plate reserve, our silver money is as popular as the world! The army, the people's support, the stable regime, and especially the victory on the battlefield are our issuance reserves! ”