Chapter 1290: Money is like hair
With the arrival of the sixth year of the Great Song Dynasty, the difficult winter has finally passed, and the spring is gradually becoming stronger in the city of Kaifeng. With the moistening of a few spring rains, there is finally a little more green inside and outside the city. The people of Maodong also took off their heavy leather and cotton clothes and put on bright spring clothes.
The ice on the canal system that extends in all directions to the left of Bianliang also began to melt, and in the river channel, there were residual ice rolling up and down in the water from time to time, and the broken ice collided with each other, making a crisp and pleasant collision sound.
On the Bianhe River, there is already a fleet of boats greedy for huge profits, who have crossed the Cao River before the spring water is born, and transported the fresh food from the south, the treasures of the foreign ocean, and the exquisite handmade products produced in several major commercial markets in the southeast by boat.
The big merchants on the Kaifeng side of the mansion, as in previous years, took the money of their slaves and waited at several wharves and cargo yards, waiting to bargain with the merchants from the north.
There are also many Kaifeng idlers, who also came to the wharf yard, or want to rely on their strength, or want to rely on a clever mouth to tell the merchants to run errands and earn the bitter expenses in the next few months.
This is the spring of Kaifeng Mansion, year after year, full of vitality and vitality...... Oh, this year seems to be a little different!
The ship still arrived as scheduled, and the goods on it were still full, but the owner of the cargo was reluctant to ask for the money issued by Taifu Temple!
"Don't want money? Why? ”
"Yes, I use money every year, and I used to collect salt and tea, so why did I change the rules this year?"
"What? After the New Year's Festival, the money in Tianjin and Jingdong plummeted? How can it be? Kaifeng Mansion is okay here...... Why did Tianjin and JD.com fall? ”
"Qian Yin can't exchange the full amount for salt, tea, iron, and rice ...... Didn't Qian Yin buy a house? ”
"Okay, okay, it doesn't matter if you don't collect money, let's go to Jingdong Bank to exchange copper coins for you......"
The merchants of Kaifeng Mansion were not very worried at first, and they refused to exchange the money in their hands for copper coins at a discount. Instead, he went to Jingdong Bank, Daxiangguo Temple Changsheng Library, Pan Ji Bank and other large and small financial institutions to exchange the money in their hands.
But when I looked at today's money price, I was shocked into a cold sweat.
The price of exchanging money for copper coins has changed from a face value of a tassel to a face value of 750 Wen (the money quote had fallen slightly before) to a face value of a tassel for 00 Wen!
"00 text? How could it be 00 Wen? Yesterday it was 750 Wen! ”
Immediately, a merchant shouted.
A steward of JD Bank smiled wryly and repeated the words he had said many times.
"I just received the news this morning that the money in Jingdong and Tianjin has collapsed. Moreover, there is no salt and tea in Haizhou salt and tea affairs! We, Jingdong Bank, have to lower the exchange price......"
"How can there be no tea and salt?"
"Haizhou doesn't have it, and nowhere else?"
"Qian Yin can also buy a house!"
The merchants were a little panicked right now. All of them have a stomach full of money - because Qian Yin's prices have been strong in the past few years, and after the housing prices in Kaifeng Mansion weakened last year, Qian Yin's interest rose sharply because of the development of Xiangyang.
The same savings, saving copper coins only has one or two cents of annual interest, and saving money can reach ten percent annual interest!
Therefore, the merchants of Kaifeng Mansion have exchanged money for usury because they are greedy for usury. Unexpectedly, after only a few months of high interest, the price of money has collapsed!
The merchants were willing to give up, and they all started clamoring, wanting to exchange money for money at the original price. But where are the bank's stewards and buddies willing to change?
Qian Yin is not a bank bill, this is issued by the imperial court, how can you find a bank to redeem it?
"No, no...... The money is issued by Taifu Temple, and Taifu Temple only sends and does not collect, and our bank can exchange it for the big guy because there are in and out, and we make a difference. Now that they are cashed out everywhere, how can the bank cover it? You have to go to the Taifu Temple! ”
"00 is 00...... Hurry up and exchange it for me! ”
Immediately, there were businessmen with active brains shouting for money. If the bank's steward said that the matter is true, then 00 wen is not the bottom, maybe 500 wen, 400 wen, or even lower prices will appear.
"Okay, objectively how much do you want to change?"
"It's all changed!"
"How many?" The bank's steward smiled, "Today is not an open exchange, there is only a total of 0,000 yuan, and after the exchange, it will not be 00 Wen, but 500 Wen......"
"What?"
"500 Wen?"
"Your Jingdong Bank's conscience is eaten by the dog, right?"
The bank manager saw the anger of the crowd and was so anxious that he was sweating, but he couldn't help it, he just shook his head and said: "500 Wen is not open, at most 20,000 yuan, and then it will be 400 Wen......
"What? 500 Wen can only be exchanged for 20,000? Do you JD Bank want to grab money? ”
"Call the surname Ji out!"
"Come out! Otherwise, we'll smash your JD Bank ......"
The bank steward bowed his hands again and again, "Ladies and gentlemen, all the dignitaries, all the lords, this matter is ...... This money is not exchanged, you can't rely on our Jingdong Bank! ”
"What? What did you say? ”
"You profiteer......"
"Smash his bank!"
Where were the merchants who had eaten a stomach full of money willing to listen to him, they all shouted and beat like crazy, and some of them rolled up their sleeves, picked up tables, chairs and benches and were about to hit them.
The steward and the guys couldn't hold it anymore, so they fled out with their heads in their hands, and said: "If you want to smash the guest officers, don't harm our lives, we are just working for the Ji family...... Oops, oops, don't fight, don't hit......"
The smashing incident that occurred at the Kaifeng head office of Jingdong Bank on Wanshengmen Inner Street was actually expected by Ji Kui, the big manager of Jingdong Bank.
The collapse of money this time was originally a conspiracy planned by Ji Kui and some other wealthy businessmen in Kaifeng Mansion.
Before releasing the news, saying that Xiangyang real estate is optimistic, it needs a lot of money to attract investment, and deliberately gives money to attract high interest. The purpose is to exchange money for real money and copper coins!
Oh, and it's not really money to get it. In that case, Jingdong Bank didn't make any money, and it was Taifu Temple that issued money.
Ji Kui's method is to use the money to introduce the deposit certificate to exchange it for real money! Therefore, Jingdong Bank does not need to exchange money from Taifu Temple at all. You only need to have a small amount of money to attract reserves, and then you can cash out the money while saving money at a high interest rate. From the very beginning, these money to merchants only existed on the books of JD Bank.
In other words, Jingdong Bank used a bunch of money to introduce deposit receipts in exchange for copper coins and gold and silver in people's hands.
Because of the over-issuance and the downturn in the Kaifeng property market, Qian Yin is actually already in a serious oversupply, and it is only supported by the high interest rate offered by Jingdong Bank.
With the treacherous inheritance of the ancestors of the Pingjiang Ji family, Ji Kui certainly wouldn't give the people who fell into the trap much chance to get out. Therefore, in the winter of the fifth year of Zhenghe, in Haizhou, Yangzhou, Shanghai, Quanzhou, Xuzhou and other places, tea, salt and pig iron were purchased on a large scale. As a result, the situation that the money cannot be opened to the linked materials will be triggered, which will lead to the collapse of the price of the money - the money will not collapse, and the huge amount of money deposit certificates issued by Jingdong Bank is an uncertain risk.
Once there is a run on money (no money, as long as money is introduced), Jingdong Bank will have to buy money from Taifu Temple at a loss.
And today's JD Bank smashing incident is to package JD Bank as a victim...... In order to support the situation of money for the imperial court, Jingdong Bank called Diao Min to smash it!
Of course, the officials and masters of Taifu Temple will definitely not know what happened to Ji Kui's empty-handed white wolf.
The only one who could see through Ji Kui's deception, the former Taifu Siqing Lu Jiawen, had already passed away. Although the current Taifu Siqing Xu Ji is also good at managing money, he doesn't understand how the bank operates, so he can't see through Ji Kui's bureau.
……
"Taishi, the money on the Kaifeng Mansion side can't hold on. Several branches of Jingdong Bank in Kaifeng Mansion were smashed. Qian Yexing's Ji Xingshou came forward to stabilize the situation, and he also asked someone to beat him, and he asked someone to carry him to Taifu Temple. Look at this ......"
In the political affairs hall, Taishi Cai Jing was listening to Xu Ji, the secretary of Taifu Temple, report on the situation of the crisis. His face was unfazed, as if everything was under control.
In fact, the collapse of the price of Kaifeng Mansion today was already expected by him. Because the Jingdong City of Haizhou and the Tianjing City of Zhou Kingdom collapsed a few days earlier. The current sea transfer envoy Cai You has sent 00 miles to expedite and report the news of the collapse of Jingdong City's money to the political affairs hall.
"Ji Wen!" After listening to Xu Ji's words, Cai Jing called the name of the Shengzhang of the Kaifeng Mansion of Quan Zhi, "Immediately send the van soldiers to the branches of Jingdong Bank." ”
"The lower official received the order," Sheng Zhang came with Xu to report, he still didn't understand a little after receiving the order, and asked again, "Taishi, do you want to arrest Ji Kui?" ”
"Catch Ji Kui?" Cai Jing glanced at Sheng Zhang, "What law did he violate?" ”
"He's a profiteer!"
Cai Jing snorted: "No business, no treachery!" But do you know where he is raping? ”
Sheng Zhang thought for a while, "This time the money plummeted, it must be related to Jingdong Bank." As long as Ji Kui is taken and Jingdong Bank is seized, the lower officials will definitely be able to find out the truth. ”
"Do you want to seize JD Bank?" Cai Jing sneered, "Do you know what the status of Jingdong Bank in Kaifeng Mansion is in the southeast Zhushang City?" Do you know how many decorating, longevity, and gold, silver, silk and silk shops rely on Jingdong Bank to adjust funds?
It has been seized, and the tax revenue of Kaifeng Mansion and Southeast Commercial City this year will be reduced by at least 30%!
Moreover, in the southeast commercial market, the Bank of Tianjin and Xiangguosi Bank (headquartered in Tianjin) are second only to Jingdong Bank in the market, and they are the eldest and second largest after the seizure of Jingdong Bank. Do you still dare to seize them? ”
Sheng Zhang was a little dazed, "Then what did the subordinate send the army to do?" ”
Cai Jing said coldly: "Go and maintain order, don't let people mess up again!" ”