Chapter 439: Lending
Seeing the heavy rain coming suddenly, Sun Dan was shocked, and suddenly had a bad premonition.
Zhi Niang and Tinglan were preparing his outfit for him, and he was also reading a book in the study. Seeing that the rain was falling heavily, he threw the book in his hand: "Someone." ”
Han Yue walked over: "Master." ”
Sun Dan: "You go and make an appointment with 6 Bing right away, just say that I want to meet him once, do you know where he is now?" ”
Han Yue replied: "If you go back to the master, the six adults are on duty today and are sitting in the Beiya. ”
Sun Dan: "Okay, I'll go over right away and let them prepare the carriage and horses." ”
Before going to Huai'an, Sun Dan still had a matter on his mind that he couldn't let go, and he needed to meet with 6 Bingzai once.
Braving the rain and taking the car to Beiya, I happened to meet 6 Ping, the father of 6 Bing, the commander of the Jinyi Guard, at the door. Sun Dan was also familiar with him, and the two chatted casually. 6 Song smiled and said, "Mr. Sun came just in time, 6 Bing is reviewing his homework, and you just happened to point him out." ”
Sun Dan was stunned for a while, and it took a long time to come back to his senses: "6 Bing wants to participate in this year's imperial examination?" ”
6 Song: "It's martial arts." He sighed and touched his gray head: "I'm old, I can't do it for a few years, I should retire early and let the young man take over." ”
Sun Dan then remembered that in real history, 6 Bing was a martial champion in this imperial examination, and succeeded his father as the commander of the Jinyi Guard, and became the head of the Ming Dynasty's spies.
As 6 Song said, 6 Bing was reading a book in the study, and when he saw Sun Dan coming, he put the book in his hand on the desk: "Jingyuan is here, aren't you going to Huai'an, why haven't you left yet?" ”
Sun Dan: "I'll take a boat south tomorrow, and I can't rest assured about one thing before leaving, I want to come and ask you for advice." ”
6 Bing: "But for the Suining River embankment?" ”
Sun Dan was a little surprised: "Your news is fast." ”
"Come on, you don't want to get involved in that, everyone is buddies, I don't want to see you trapped." 6 Bing said lightly: "Jingyuan, why bother, why bother!" We all went through the tribulation together, so there is no need for such a dead hand. ”
6 Bing's words are very straightforward, in fact, everyone knows that Sun Dan went to Huainan to preside over the government examination this time, but in fact, he received a secret order to investigate the Suining River Defense. However, Wang Shu, the governor of Nanhe, is Huang Jin's person, and if there is a problem, Huang Jin will definitely have another conflict with Sun Dan. 6 Bing is still a kind person in general, and naturally he doesn't want to see his former friends fight you to death. I live.
Sun Dan smiled: "Let's not talk about this matter, I came today to talk about the affairs of the six money banks." ”
"Oh." 6 Bing was a little surprised, in the past two years, the business of 6 money banks has been extremely prosperous, and 6 money tickets have passed through the entire north of the Yellow River, making a lot of money for several shareholders. Today, several major shareholders are some of the richest people in Beijing.
Sun Dan looked at the rain outside and said, "Seeing that the weather is a little bad, I am a little worried that there will be a big flood this year." But the treasury was empty, and there was no money for disaster relief. I thought, is it possible to find a way here in the bank? ”
6 Bing didn't expect Sun Dan to say such a thing, and suddenly admired it in his heart, and sighed: "Yes, anyone with a discerning eye can see that the climate this year is a little bad, and my generation should share the worries of the imperial court and the monarch's father." However, there is not much silver in the bank, and even if it is all taken out, it will not help much. Also, there are His Majesty's shares in it, and if you touch his money, I'm afraid ......"
Sun smiled lightly: "It's not to touch Your Majesty's money."
What I mean is that can be used by the money bank to issue bonds and borrow a little from the private sector to fight the disaster? Let's use Fangshan weaving as a guarantee. "Anyway, this money bank, Sun Dan, was also preparing for the preparation of the central bank in the future, and now it is time to play its role.
Although it is not a good idea to be a guarantor, seeing that a disaster is about to occur, personal profit is not so important. In fact, Sun Dan is now worth a huge amount of money, and the so-called money is just a digital game for him.
Besides, taking this opportunity to raise funds will also be very beneficial to the future exhibition of Qian Zhuang. Why not.
Hearing Sun Dan say this, 6 Bing was in awe. He originally thought that Sun Dan came this time to speak ill of Huang Jin, and then let him use Jinyiwei's resources to facilitate his future trip to the south. But I don't want to, Sun Dan doesn't talk about personal matters at all, which has to be admired.
6 Bing stood up and took a deep look: "Jingyuan has this thought, and 6 Bing is very moved. I didn't say it, the guarantor counted me as one. I take the properties of 6 companies as a guarantee. ”
6 Bing's face was excited: "It's okay if there is no flood, if something really happens, even if you break the family and become a country, 6 Bing will not hesitate to do it." My six fathers and sons also have a few hundred taels of silver every year, and they can't die of hunger. ”
Sun Dan laughed: "6 brother, you don't have to be so pessimistic, it's not that you and I throw our silver into the water, it's that you lend it, and you don't take it back." If you're not afraid to laugh, I don't, Dan Ke is a person who is not used to living a poor life. Besides, there is also His Majesty's money in the money bank, and it is really wasted, and it is difficult for you and me to explain to Your Majesty. ”
"Heart..."6 Bing looked puzzled.
Sun Dan said: "In this way, our money bank came forward to pool money and lend it to the household department. The household department uses this year's salt tax in Shandong as collateral, with three points of interest. On the side of the household department and on the side of His Majesty, please go and speak on your behalf. ”
6 Bing stuttered a little, and his forehead was full of sweat: "If you lend money to the imperial court, will Your Majesty and the prime ministers answer yes?" ”
Sun Dan has done business to the head of the court, this is too bold, right?
Sun Dan disagreed: "The cabinet is now poor and crazy, and the prime ministers wish that someone would raise money for them, how unwilling." As for Your Majesty, hehe, a small half of this money bank belongs to Your Majesty. Your Majesty also has a share in the money earned by the bank, do you think he will not agree? As long as His Majesty nods, this thing will be done? ”
For Jiajing and several generations of Ming Dynasty emperors such as Wanli after Jiajing, Sun Dan knows too well. These two masters are both masters who love money as their lives, as long as they talk about money, they will come to the spirit. There are shares of the emperor in the bank, and it is the treasury that bears the debt, not the emperor. Sun Dan did this, in fact, he took out the money from the treasury into the money bank, and then he, 6 Bing and the emperor divided it on the fifteenth day of the first month. You say, will the emperor not agree? According to the system of the Ming Dynasty, the money in the treasury had nothing to do with the emperor.
It's really not good, this business is done, it's a big deal to let the emperor take more shares.
The emperor took half of it, and he Sun Dan and 6 Bing divided the other half.
In this way, you can also make a lot of profits.
In fact, with the erodive financial situation of the Ming Dynasty, Sun Dan did not expect the household department to repay the money. Anyway, with Shandong's salt tax as insurance, just eating interest every year is a steady stream of money. I wish that the household department has no ability to repay, and only needs to take out a three-year loan to get all the principal back. The rest is nothing to gain.
The bank is the bank, and the task of the bank is to lend money and eat profits.
"Good!" Thinking of this, 6 Bing was also excited: "I'll go to see Your Majesty." ”
When it was time to say goodbye, 6 Bing still kindly reminded Sun Dan: "Jingyuan, you and Huang Jin have no unshakable grievances, everyone is friends, why bother?" ”
Sun Dan sighed secretly: This 6 Bing is really a bad person, why does Huang Jin keep targeting me Sun Dan, it's not for rights. The struggle for power is the most brutal, and there is no room for compromise!