"You still dare to be presumptuous?!"

Seeing that the defenseless Zhao Shidao was knocked down by Jia Huan's punch, Emperor Long Zheng almost lost his anger, slapped it on the imperial case, and roared: "Do you want to rebel?" ”

"Jia Huan, don't be presumptuous!"

Ying Xiang's face was solemn and he also cheered. Pen ~ fun ~ pavilion www.biquge.info

Needless to say, Jia Huan didn't do anything, and glanced at Zhao Shidao coldly.

Zhao Shidao's heart is almost gone......

Zhang Tingyu was also anxious, this was not expected, and hurriedly said to Jia Huan: "Ning Hou, please ask Your Majesty for the guilt." Your Majesty has always been kind to you and will not blame you. ”

Jia Huan looked indignant, and just stood.

"Do you still feel wronged?"

Seeing Jia Huan's face tense and refusing to bow his head, Emperor Longzheng said angrily.

Unexpectedly, Jia Huan's voice was louder than him: "Wronged, why not wronged?"

Work hard, regardless of fame and fortune, and share worries for the country.

made suggestions, died nine times in life, and made great contributions, but on trumped-up charges, he took the blame for others, was sent to prison, and even his family was calculated!

The tired family members have thought about it behind closed doors, and let people point fingers!

If you become a parent, you have to be sneaky, lest you get in the way of other people's eyes!

I only invited a few relatives, just like this, I was made difficult by others, and I became the laughing stock of Shenjing!!

You ask me if I am wronged, and you say that I am wronged or not?! ”

Emperor Longzheng didn't expect Jia Huan to explode in an instant, standing there, his eyes tightened, staring at Jia Huan deadly.

The others all changed their complexions and gasped.

After Ying Xiang looked at Emperor Longzheng, he looked at Jia Huan again, and waved his hand at Zhang Tingyu, Li Qian, and Zhao Shidao.

The three of them hurriedly went out, Ying Xiang thought about it, and finally, beckoned Su Peisheng to go out too.

He and Su Peisheng stayed outside, and told Zhang Tingyu and others that today's events must not be leaked to the public.

Before Zhang Tingyu and the others had gone far, they faintly heard the roar of Emperor Longzheng in the upper study.

The three of them couldn't help but speed up their pace, and they were in a cold sweat.

Zhao Shidao was originally punched by Jia Huan, and he still had some calculations and hatred in his heart, but at this moment, he didn't even have hair.

If such a person thinks about calculation, what is it not death?

He was already sure that Jia Huan and Emperor Longzheng would quarrel this time, and it would not be a big deal.

Because if Emperor Longzheng really hated it, Fang Cai would have already been the inner guards who came in and took Jia Huan down, instead of Yingxiang clearing the field......

They didn't know that Ying Xiang was really hesitating now whether to call the guards to take Jia Huan down first, he didn't know whether it was better to take Jia Huan now, or to let him stay inside.

Because he actually heard from it about Jia Huankou scolding Emperor Longzheng for "picking up ashes" without words.

God! Is there any secret of the palace that he doesn't even know?

However, then Ying Xiang's face became even more exciting.

Because he heard Emperor Longzheng roaring and asked Jia Huan, who is that Dao Gu in the Taizhen Temple of the Jia Family's Grand View Garden?

Damn, Jia Huan actually got his hands on his niece and daughter-in-law?

Bastard!

……

"Blow!"

Jia Huan sniffled, and carefully stroked the corners of his eyes, where there were some bruises.

Then he looked at Emperor Longzheng on the dragon chair with bitter hatred.

When the others saw this scene, they all looked strange.

It's been noon since that thrilling quarrel.

Zhang Tingyu and Li Qian, the head of the household, returned to the upper study.

What I saw was Emperor Longzheng, whose anger had not disappeared, and Jia Huan, who had a blue nose and swollen face.

But the strange thing is that Jia Huan's temper and his initial anger were beaten at this time, why is there still joy in his eyes?

But the violent Emperor Longzheng, how can he still be angry?

Only Prince Zhongyi, Yingxiang and Su Peisheng, knew the inside story.

Su Peisheng naturally wouldn't say that he didn't want to die so quickly.

Ying Xiang also kept silent, but looked at Jia Huan with an unkind look.

Jia Huan's eyes were happy, naturally he was not happy because he was beaten.

It's because he finally resisted Emperor Longzheng, and he didn't need to let Zhen Yuhuan enter the palace.

Moreover, Emperor Longzheng also promised that if he could solve the problem of lack of silver in the imperial court, the Zhen family would no longer have to be held accountable, and the millions of taels would be lost.

The Zhen family can't come out yet, and it won't be finished in three lifetimes......

Of course, it is naturally impossible to return the confiscated belongings.

Jia Huan didn't care about this, what he cared about was that he finally lived up to the kindness of Mrs. Fengsheng......

And this quarrel also led to an agreement, or rather, a compromise on many issues.

For example, Jia Huan admitted that Emperor Longzheng's suppression of him was not to cross the river and tear down the bridge, but to protect him......

According to Emperor Longzheng, the young man is suddenly noble, his status is too high, and his authority is too heavy, which is a blessing or a curse.

Well, Jia Huan confessed......

And the preservation of Emperor Longzheng will maintain this scale, and there will be no misunderstandings like last time, calculating the Jia family, and even implicating the Wen family......

As long as Jia Huan does not touch the military power and does not put his hand into the court, then there will be no taboos for him to act......

Of course, Emperor Longzheng needed Jia Huan's support to ease the increasingly grim situation between him and the Wuxun group.

This is by no means a good trend.

It is probably one of the reasons why Emperor Longzheng came to do Jia Huan Gaotang, and this problem must be solved as soon as possible......

In addition, Jia Huan was able to relocate industries that were convenient for development in the Western Regions, such as pastures and white porcelain that required bones.

But some of the top buying, such as Donglai Shun Restaurant, such as Haohanzhuang, such as the glass business, and vegetable villages, all need to be restored as soon as possible.

Don't make a look of being bullied by the royal family anymore, which makes Emperor Longzheng extremely disgusting!

The most important thing is that the Jia family wants to continue the preparation of the bank.

And after a maximum of two months, he will lend a sum of silver to the imperial court, at least 10 million taels......

……

"Master Zhang, don't be like a toad.

I understand and tell you in all seriousness, the bank lends money to the household, and that's fine.

Banks are inherently dependent on borrowing and lending......

However, when it is due, there will be no arrears!

It's not that I want money, it's the rules.

It is more about the credibility of the imperial court.

Because the money in the bank is not mine, but the money in the pockets of thousands of depositors, that is, ordinary people.

If the account is due and the money is not repaid, and thousands of depositors make a fuss and collapse their accounts, it will be a big deal.

Don't think it's nothing, when the people of Great Qin lose confidence in the imperial court, the national fortune is almost coming to an end.

This is completely different from the treasure money of the previous dynasty.

To tell the truth, the previous dynasty issued treasure banknotes, and in the end, it was cheaper than wiping the butt paper, and the Ming Dynasty did not collapse, which is a miracle in itself. ”

Jia Huan warned Zhang Tingyu, who was smiling.

Zhang Tingyu smiled bitterly, he smiled like a toad wherever he could......

However, he still said: "Ning Hou rest assured, this official still understands this." Your Majesty loves the people like a son, and even if I want to withhold something, Your Majesty will never agree.

It's just that the official doesn't understand what method Ning Hou used to raise at least 10 million taels of silver in just two months. ”

As soon as these words came out, Emperor Longzheng, Ying Xiang, Li Qian, the head of the household department, and others also looked at Jia Huan.

They wanted to break their heads, so they almost didn't pick up their knives to ask for the account, and they couldn't raise so much silver.

Jia Huan why?

Jia Huan looked at them inexplicably and said with a smile: "Do you still need to ask?" Of course, it's the auction of bank shares.

This is the first legal bank in Daqin, and it is not comparable to those underground printed money banks.

It's the original stock again, what's the matter, you get a thousand taels of silver for a penny, right?

That's it, it's because you're in a hurry to use the silver, otherwise, hum! ”

Regarding Jia Huan's words, everyone didn't have a too direct concept.

Just listening to him, he seems to be very powerful.

Emperor Long Zheng looked at Ying Xiang and then at Zhang Tingyu.

He didn't want to ask first, for fear of being ridiculed by the king's eight lambs......

When he learned that Jia Huan would rather move his family to the Western Regions, and did not unite with Wuxun to force the palace to exert pressure, let alone think about rebelling, with the remnants of the Jia family, with Jia Huan's achievements over the years, plus the big things that were about to be done.

Jia Huan can be said to be already taboo-free, King Kong is not bad!

Even Emperor Longzheng couldn't do anything to Jia Huan because of some small sections......

This is both a kind of helplessness, but also a kind of reassurance, and closeness.

However, this does not mean that he is willing to be ridiculed by Jia Huan.

Therefore, let your subordinates go to the thunder first......

Zhang Tingyu was very conscious, and he was also in awe of the unknown knowledge, and asked respectfully: "I don't know Ning Hou, what does this share of 1,000 taels of silver mean?"

Banks, how many shares are there? ”

Jia Huan snorted, gave a thumbs up, and said, "Zhang Xiang, you are really a chicken thief!" As soon as you ask, you get to the roots!

I tell you, a penny is a thousand taels of silver.

In one share, it is a thousand points. ”

"Shhh

Zhang Tingyu gasped, his eyes lit up, and said, "Then one is ...... One million taels of silver!! ”

Emperor Long Zheng and the others also changed their faces one after another, and their eyes looked at Jia Huan with faint horror.

Jia Huan didn't have a smile on his face, and said with a straight face: "Yes, one share is one million taels of silver." Initial issue of 100 shares! ”

"One...... A hundred shares?! Your bank, worth 100 million taels?! ”

Zhang Tingyu stood up abruptly and said in shock.

Jia Huan held up two fingers and said, "First, this is not my bank. Whoever subscribes for the shares is who's bank. Among them, Tianjia automatically subscribed for 30 shares as collateral with the interest of the Ministry of Internal Affairs.

Second, Daqin Bank is by no means worth more than 100 million taels. ”

"It's only worth it? Ninghou, the tax burden of Great Qin for a year is only 40 million taels. Excluding the budget for the coming year, there are five million taels left, which can be regarded as a fat year.

If you open a bank, it's worth 100 million taels of silver?

Who knows? ”

Zhang Tingyu's face was pale, and he gritted his teeth.

Emperor Longzheng also said in a deep voice: "The Heavenly Family's interest from the Internal Affairs Office is collateral to subscribe for thirty shares, which is 30 million taels?" Why? ”

Jia Huan smiled and said, "Your Majesty, what you said is ...... It's not even at all. How much can the Ministry of Internal Affairs pay a year now? Ministers refer to the fact that the interests of the glass are not calculated.

Because the minister plans to spread the glass square, so that the people of Daqin can use cheap glass.

Therefore, the Ministry of Internal Affairs will not calculate the profit of glass next year. ”

When Emperor Long Zheng heard this, his face became even more ugly, and he said, "You plan to spread the glass square?" ”

Jia Huan nodded and said, "Because the minister wants to raise money to buy bank shares." ”

When Emperor Longzheng heard this, he suddenly reacted and said, "What do you mean...... Banks are more profitable than glass? ”

Jia Huan laughed and said: "In terms of profiteering, glass is not worthy of carrying shoes to the bank." ”

Emperor Long Zheng looked at Jia Huan straight and said, "What plan do you have to say directly, what are you doing in a roundabout way?" Want to avenge what I taught you? ”

"Hehehe!"

Ying Xiang and the others laughed unkindly.

Jia Huan's face darkened, and after hating Emperor Long Zheng, he said: "The Heavenly Family's subscription of bank shares is collateralized by the interest of the Ministry of Internal Affairs. The largest interest of the Ministry of Internal Affairs will be the bank's annual dividend in the future.

I conservatively speculate that in five years at most, the Ministry of Internal Affairs will be able to pay off the shortfall in the subscription shares with the bank's dividends. ”

"When...... True? ”

Emperor Long Zheng looked at Jia Huan with a gleam in his eyes, and slowly spit out two words.

Jia Huan didn't play any more, nodded, and said: "It's true, therefore, the minister said that the price of one thousand taels and one shares is extremely low."

By next year, the value of the shares in the hands of those who subscribe to the bank will at least double.

Moreover, it must be priceless. ”

"So that means ...... In addition to the thirty percent of the shares obtained by the mortgage of the Heavenly Family, Ning Hou can still raise ...... Seventy million taels of silver? ”

Zhang Tingyu looked at Jia Huan's eyes, as if he was looking at a golden man.

Jia Huan shook his head and said, "Not necessarily." ”

"How?"

Zhang Tingyu asked hurriedly.

Jia Huan said: "There may not be so many discerning people. In addition, we will use bank shares to merge money banks in various parts of Daqin.

Within three years, I want to make Daqin Bank the only bank in the land of Daqin. ”

Ying Xiang frowned and said: "Jia Huan, some money houses are all industries that have been operated by others for many years, and people may not let you merge them." None of the people who can run the money village are good at stubble, and most of them are strong squires from all over the world. ”

Jia Huan smiled and said, "For example, today's money banks mostly make a living from lending." Therefore, there is almost no money bank that does not put in the money.

As long as you put money in India, there is no old bottom that does not force people to die.

But even if they have the slightest mercy, they will not survive.

Because of their high interest rates, they have to make offerings to all parties.

Therefore, after I started to prepare for the bank, the first thing I did was to sweep away the black-hearted money banks in all parts of Daqin.

In order to reduce unnecessary killing, I would give them two paths: to be annexed, or to be raided. ”

Seeing Emperor Longzheng frowning, Jia Huanzheng said: "Your Majesty, don't think that the ministers are devouring the people's wealth and competing with the people for profit.

Contrary!

After the establishment of the Daqin Bank, it will lend to everyone in Daqin who needs a loan at an interest rate far lower than that of the bank.

So as to minimize the tragedy of being forced by Yinzi money to break the family and die.

And even in a disaster year, there will be a certain amount of protection.

Imagine, if in a disaster year, the people can borrow a sum of money from the bank for first aid, there will still be so many displaced people, and there will be a tragedy of cannibalism? ”

Emperor Long Zheng clearly didn't believe it, and wondered: "Since it is a very low interest rate, how can you protect the interests of the bank, didn't you say that there are a lot of dividends?" ”

Jia Huan said with a smile: "First, it adds up to a lot. There are hundreds of millions of people in Daqin, even if the interest rate is low, before this base, the accumulation will be an astronomical amount.

Second, it is also the most different from ordinary money banks, that is, banks will participate in some profiteering industry investment, for example, white porcelain! ”

"Would you like to take out the white porcelain recipe?"

Emperor Long Zheng's eyes lit up, he sat forward and asked.

Jia Huan said with a smile: "It's not a recipe for white porcelain, it's a share exchange with the bank with the shares of the white porcelain workshop."

In this way, the bank will also share the benefits of the Jia family's white porcelain workshop. In turn, all the people or families who hold shares in the bank also benefit.

Not only white porcelain, but also cement, soap and even restaurants and other industries.

In these industries, the minister plans to take out at least 40% of the shares and exchange shares with the banks.

To put it mildly, only my Jia family's industry, if it can be marketed all over the world, the terrifying profits brought by it will be enough for everyone to eat a lot of money.

I'm getting rich alone, and it will make many people uneasy.

But when everyone makes a fortune together, they won't be jealous of me anymore, right?

Moreover, as the largest shareholder of the bank, Tianjia will only be jealous of others in the future! ”

Emperor Long Zheng smacked his mouth, looked at Jia Huan with bright eyes, and was very satisfied, and said, "If it is really as you say, then ...... Then let others be jealous! ”

"Hahaha!"

Yingxiang, Zhang Tingyu and others all laughed.

"But ......"

Emperor Long Zheng said with a suspicious face: "How can you guarantee that the Heavenly Family will always be the largest shareholder?" After all, only thirty percent. ”

Jia Huan twitched the corner of his mouth and said, "The shares issued for the first time are the original shares, and they will be registered.

Any original shares that want to be traded must be reported to the head office and counted after the register is amended, otherwise, they will not be recognized.

And except for the Heavenly Family, no family can own more than 10% of the shares, at most, it can only be 10%.

Banks are for the benefit of the majority, not for the creation of oligarchs who are rich enough to rival the country. ”

When Emperor Long Zheng heard this, he pinched his eyebrows and said, "Since this is the case, then you can run this bank." ”

Jia Huan thought for a while, and still said: "Your Majesty, the first thing the minister wants to state is that although the bank set up by the minister can allow the household department to send people to supervise, the people who supervise can only have eyes and cannot point fingers.

In addition, Daqin Bank is an independent. The Household, the Cabinet, and even His Majesty have no right to interfere when they have not violated the law of the land. ”

When Emperor Longzheng heard this, his face instantly darkened, and he said, "Even I can't interfere?" ”

Jia Huan did not retreat for half a step, and said: "Your Majesty, the way of economy, there is the law of the way of economy. The bank is an economic thing, and it only needs to abide by the way of the economy. The imperial court has the right to supervise, but not to interfere.

Otherwise, one day, the account boss who doesn't know how to do it will pat his head and want to install someone to take charge of the bank, so what should I do?

When the banks become behemoths, once someone breaks the rules of the way of the economy, it will be a catastrophe!

The minister believed that with His Majesty's wisdom, he would never do such an unwise thing.

But, what about the kings of the Hereafter?

The minister had to take precautions in advance, otherwise, a good thing would also turn into a bad thing. ”

Emperor Longzheng glanced at Jia Huan deeply and said, "You mean that the imperial court has the right to supervise?" ”

Jia Huan nodded and said, "Of course, at any time, the imperial court is qualified to go to the bank to check the accounts. ”

Emperor Long Zheng gently closed his fine eyes, and after thinking for a moment, he opened his eyes and looked at Jia Huan and said, "Accurate." ”

Jia Huan nodded and said, "The minister asks His Majesty for a gold medal for the imperial order, and if I come in person, I can mobilize the local garrison."

The minister guaranteed that within three years, Daqin Bank will be opened in 24 provinces of Daqin.

Within five years, Daqin Bank will be opened all over Daqin 308 Prefectures.

Within ten years, Daqin Bank will be all over 1,286 counties in Daqin!

At that time, the imperial court will no longer have to worry about the shortage of money, the heavenly family will not be embarrassed by the silver, and hundreds of millions of people will also benefit. ”

Emperor Long Zheng looked at Jia Huan, at this moment, he suddenly felt in his heart that let the new thing of the bank appear in Daqin, I don't know whether it is good or bad, but he is quite decisive, at least, after talking with Ying Xiang, Zhang Tingyu and even Li Guangdi, they did not think that the bank would endanger the country.

Case......

"I'm right! Jia Huan...... Don't let me down. ”

……

PS: The bank in this book and the actual bank are two different concepts.

A monopoly, and even extends this monopoly to white porcelain, cement, soap, real estate and even the transportation industry.

It's hard not to make a profit.

Of course, this deformed industry must have its Achilles' heel.

But this is not a problem to consider now, and there will be a solution.