Sycamore Garden, small study.

Cao Hao had been "fighting at night" for a few days, and his eyes were red before he finished a copy of the "Daqing Bank Plan".

Like later banks, the main business of this bank is deposits, loans, and exchanges. In the past, money deposits in banks needed to support "custody funds", so there were very few people who deposited money in banks. Qian Zhuang mainly made a living by lending and exchanging, and some undertook the distribution of the Eight Banners of Silver.

Cao Hao had come into contact with "Economic Law" and "Financial Law" in his previous life, but he had never used them in his two lives, and he had almost forgotten them.

Today, all he has compiled is a rough theory of banking that he can understand.

It is nothing more than "collecting armpits into furs" and "standardizing the loan interest rate in Beijing". The former can quickly gather funds; The latter can effectively intervene in the Beijing loan market, and even run on peers, quickly standing out in the industry.

Perhaps because of these two items, many money banks in the capital will be damaged in their loan business, but Cao Hao does not regret it.

According to the law that has been inherited, it is stipulated that the interest on the loan shall not exceed three cents per month, and although there are many years, it shall not be one interest, and no interest shall be rolled; It also stipulates that "the family of the public, the hou and the official of the fourth rank or above" is prohibited from lending; It is forbidden to confiscate people's real estate and land due to loans.

Rules are dead, people are alive, and it is true.

According to Cao Hao's investigations, the interest of five cents on private loans is small, and some even reach eight cents or ten cents, and they are still profitable. Because of usury, bankrupts, endlessly.

In addition, it is not uncommon for most of the lenders to be high-ranking and prominent households, and those who are run by evil servants and slaves, and the people are unable to repay, and sell their sons and daughters.

Closing the plan in his hand, Cao Hao looked at the table, maybe the two errands that Kangxi asked the sixteenth elder brother to pass the word can pass this and finish together.

This first bank was the property of the Ministry of Internal Affairs; When this business improves, it is just right for a household department to come forward and open a second bank.

A single flower is not spring, a hundred flowers bloom in spring.

Then, from the capital to the provinces and provinces, the convenience of the political axe's intervention was obvious.

Perhaps in this process, there will be unforeseen drawbacks, but relying on the bank's funds to temporarily alleviate the shortage of state treasury will be considered a success. Of course, when this "Daqing Bank" has a foothold, it will have to formulate some more issues of deposit and loan interest rates, so as to avoid the formation of a vicious cycle.

After the plan to open a bank was mentioned to Han Jiang, it aroused great interest from Han Jiang. Returning to her ancestral career is also a great attraction for her.

did not return to Yangzhou and chose to stay in the capital because she did not want to be an ordinary woman raised in the inner house. In this life, I can't do it for a woman, and I miss the opportunity for a wife. Now, in addition to being a mother and raising Hui'er, she also wants to do something.

The next time, Cao Hao asked Han Jiang to come over to discuss the matter.

Unexpectedly, whether it was a percent share or a half percent of the shares, Han Jiang's family was reluctant to get involved.

Here's what she said: "Share dividends have pros and cons, and they are related to the Ministry of Internal Affairs, so I dare not share the benefits with today." ”

Even Cao Hao, as a Heshuo forehead, retreated in front of the prince and the prince, unwilling to share the profits; She is just a people's girl, how dare she not measure herself.

Chasing profits is the surname of a businessman.

Hearing that Han Jiang's family took the initiative to give up these shares, Cao Hao looked at her with some surprise. Originally, he was worried about Han Jiang's calculations, and wanted to persuade Han Jiang's family to take a step back, accept half of the shares, and give the other forty percent and a half shares to the sixteenth elder brother.

The original plan of the Ninth Elder Brother, the Sixteenth Elder Brother and Prince Jane's participation in the shares seems to be a little unworkable now.

The cost of opening this bank has been far greater than expected, and the benefits have also exceeded expectations, and when the time comes, these three clans will have half of the shares, and it will not be a blessing for them, but a curse.

At this time, Cao Hao finally understood Han Jiang's concerns.

The current "Jinshang" is Kangxi, and he will not care about these with the ninth elder brother and the sixteenth elder brother; Ming's "Jinshang" is a bystander, will he tolerate several clans sharing income with the Ministry of Internal Affairs?

With Jiang Ning's calculations back then, to the semi-sharp edge when he first arrived in the capital, to the current honor and disgrace, Han Jiang's family has grown into a qualified businessman step by step.

Looking at the woman in front of him who was one year younger than him, Cao Hao felt a little dazzled.

Who said that women in ancient times were weak and helpless. The Han Jiang clan is already much stronger than many men. Looking at her ability and her orderliness, Cao Hao thought of the "white bone spirit" in the office building in later generations. It's just that the Han Jiang clan under the growth of Confucian society is a little softer than those aggressive "white bone spirits" in later generations.

Perhaps it is precisely because of this that Cao Hao is willing to shelter her and provide her with opportunities to display her talents again and again.

Han Jiang sensed Cao Hao's distraction, slowly lowered his eyes, and looked at the plan in his hand, his heart was already churning. Even if she is arrogant, she can't deny that because of Cao Hao's protection, she not only protects her own industry, but also shows her skills in the business world like a man.

Cao Hao has never had the consciousness of giving grace, and Han Jiang has not put the words of "repaying kindness" on his lips. Invisibly, it is a tacit understanding that does not need to be spoken.

"Master Cao, according to what the women have seen, the remaining fifty percent of the shares are not as good as raising shares. Most of the powerful and wealthy households in the capital take out one or twenty thousand silver coins per household, which is also common. Linked to the bank, in the future, these families, as well as their relatives and friends, will recognize their own business, which not only saves time, but also prepares the money for opening the business first. Han Jiang stabilized his mind and said.

"Shares?" Cao Hao listened, nodded, and said, "It's a good idea, but how much is it good to start?" There must be an upper limit, otherwise with the financial resources of Brother Jiu, he will be able to cover all the shares. It's just that in this way, the sixteenth elder brother will suffer a little. ”

Han Jiangshi thought for a while, and said: "Otherwise, the shares will be limited, Jiubeizi, Sixteen Elder Brothers, and Prince Jian will each have five shares of shares, and the remaining three and a half will gather the royal family in the capital, the upper limit is two points, and the lower limit is one centimeter." In this way, at least dozens of powerful people can be gathered. ”

Although the shares of the ninth elder brother, the sixteenth elder brother and others have decreased sharply, they have become less eye-catching, and when the bank's profits come out, it is also a lot of income.

Cao Hao nodded and said, "Then 20,000 taels per share, 2,000 taels per cent." In this way, fifty percent of the dry shares that go out of the Internal Affairs Office, and the remaining shares can save one million taels of silver, which is enough. ”

Han Jiang's eyes were shining, and his face was already full of anticipation, and he said, "Master Cao, when will you start preparing for this?" ”

Cao Hao said: "Prince Jian's side doesn't count, the ninth elder brother and the sixteenth elder brother will intervene in this matter, and they have to discuss with the two of them, and then send a letter to Rehe to ask for an order." It will be early May at the earliest, and if you have been free recently, you should first list some rules according to the money bank. Save the time to make a mess and act repeatedly. ”

Han Jiang nodded in response, Cao Hao hesitated for a moment, and said, "How much will you participate in the shares?" ”

"If there are not many people who participate in the shares, they will participate in two points; If there are many people, it will be a point. Han Jiang replied.

"It's still two points, I can't let you be busy in vain. This involves the official family, and after three or five years, when it becomes large-scale, the right to operate it will always be returned to the Ministry of Internal Affairs. Cao Hao said truthfully.

"The women of the people are not short of money." Han Jiang said softly: "The people just want to try what it's like to open a money village all over the country." ”

Cao Hao calculated the time, and there were still four years before the fourth elder brother came to power. In the past four years, as long as the sixteenth elder brother is in charge of the Internal Affairs Office, the position of the Han Jiang clan will be stable.

He nodded and said, "Okay, Cao will wait and see." ”

Han Jiang glanced up at Cao Hao and said, "Master Cao, when the household department opens a bank, and when the provincial treasury opens a bank, can a private businessman open a bank?" ”

Before Cao Hao could answer, Han Jiang had already sighed and said, "It's the people's woman who is delusional." Not to mention that the current opening of a money bank requires five joint guarantees in the same industry; That is, if the people do not fight with the officials, they will not be able to compete with the imperial court industry. ”

Although cruel, Cao Hao still said bluntly: "Even if it can be opened, it won't last long." No matter when, without power to rely on, businessmen accumulate wealth, and they are all floating clouds. ”

When Han Jiang's hearing this, he was a little gloomy, but he also knew that Cao Hao was telling the truth, so he could only sigh......* Han Jiang's family knew the power of power, so he could only sigh. The sixteenth elder brother looked at Cao Hao's plan and frowned.

"Fu Ruo, not to mention anything else, it's 100,000 taels of silver for these five cents of shares, isn't it embarrassing for me? You don't know my family background, but it's good to have eighteen thousand taels of silver in your hand. I know you have money, but it's not good to show it out at this time. The sixteenth elder brother said in embarrassment: "In addition, 100,000 taels of silver is only five cents, and the ninth brother and Prince Jian may not buy it." ”

"The ninth master, who has the most poisonous vision for economic affairs, will buy it. If I don't expect it badly, he will pretend to other people to buy more shares in his hands, which is not something we care. On Prince Jane's side, it was just the sixteenth master who betrayed his personal favor and expressed his position. He is willing to accept it or not, this favor can be regarded as a gift. Cao Hao thought for a moment and replied.

Seeing that Cao Hao had finished the question between Brother Nine and Prince Jian in a few words, the sixteenth elder brother was left with his own head, touched his chin, and said, "Otherwise, I will borrow money from Huang Amma?" Didn't you plan to prepare 200,000 taels of silver from the Ministry of Internal Affairs? Now that I don't need it, why don't I borrow 100,000? ”

Cao Hao nodded and said, "Make." But this has to be kept secret first, otherwise I am afraid that the ninth master will follow the white wolf with empty gloves. ”

Without further ado, the two did not delay the time, and together they arrived at Jiubeizi Mansion.

Sure enough, Brother Jiu's side dislikes the lack of shares. He had already gotten the news before, and knew that it was the sixteenth elder brother who took the lead. He already regretted it in his heart, if he hadn't taken over the tobacco errand, how good it would have been to take over this directly.

The buying and selling of silver money is the big deal.

According to his budget, he could get at least one and a half percent of the shares, but he didn't expect that now there are only five points left.

Sixteen Elder Brothers can speak, so naturally they put forward the idea of ten or twenty years later. After listening to two sentences, Brother Jiu understood, to put it bluntly, he was just cautious, for fear that the shares would occupy too much, which would cause the new emperor to be dissatisfied.

He snorted coldly, glanced at Cao Hao, who was sitting at the head, and said to the sixteenth elder brother: "Sixteenth master, now you are the prince of real money, and in the future, you will also be a dignified son of heaven and brother, what are you afraid of?" It's really ink-near-black. ”

Cao Hao was beside him, only doing delusion.

It's also better to be cautious than to be public. Brother Jiu is flamboyant enough, what is the end?

It's just that the bridge returns to the bridge, and the road returns to the road, Cao Hao is not a savior, so he is not interested in saying more.

"Brother Jiu is right, but the younger brother is afraid. What is the identity of the younger brother? I'm afraid that Baylor in the clan is more noble than me. The sixteenth elder brother held the teacup and bowed his head and said.

The encounters in the past few months have made the sixteenth elder brother a little more tired. As a favored prince in the eyes of outsiders, he is still struggling, he seems to understand what it means to be "frightened step by step", and he can; Understand why Cao Hao chose to keep a low profile and forbear.

A knife on the head of the word "forbearance". Even if it's hard, you have to endure it.

Seeing that the sixteenth elder brother was so low, the ninth elder brother was a little embarrassed to say anything. The sixteenth elder brother has always been able to do things, and he treats his brothers respectfully, and he has a good relationship with the ninth elder brother.

He coughed twice and said, "A few days ago, when I sent Eniang out of the palace, I heard Eniang mention that Huang Ama intended to seal the concubine. Maybe there will be good news for the concubine. ”

When the sixteenth elder brother heard this, his eyes lit up, and he said, "Is this true for the ninth brother?" ”

Seeing this, Brother Jiu smiled and said, "What did you do?" It's just that there is this letter, but I don't know when it was sealed. If it's fast, it will come down before the Dragon Boat Festival; If it is slow, Xu will have to wait for the holy car to return to Beijing. ”

The sixteenth elder brother was overjoyed when he heard it, and as he grew older, what he missed most was his biological mother, the princess. Although the princess has the treatment of a concubine, she is just a nobleman.

Even Cao Hao listened to it, and he was also happy for the sixteenth elder brother. In addition, there are also the biological mother of the seventh elder brother and the biological mother of the seventeenth elder brother. Although the biological mother of the seventh elder brother is called a concubine, she is not officially entitled; The mother of the seventeenth elder brother, Chen, is a nobleman, who has been silent for many years, and has relied on the care of the princess to barely survive in the palace.

After all, the princess is a favorite concubine, and she often drives with her, and there are few times when she is in the palace, and there are always times when she can't take care of it. I heard that a few years ago, a young noble man bullied the Chen family, and the seventeenth elder brother was sick at the time, and he vomited a few mouthfuls of blood when he heard the words, and he lingered on the sickbed until now.

The harem that has a relationship with the Cao family, and the biological mother of the twenty-first elder brother, Xi Guiren. Although she also gave birth to a prince, compared with other concubines who have been in the palace for decades, her qualifications are shallow, and whether she can be canonized is only a five-fifty number.

Seeing that the sixteenth elder brother was so happy, the ninth elder brother's expression also softened, and said: "Five points is five points, I believe that the sixteenth brother will not toss this time in vain." The upper limit of others is only two points, and if you can think of leaving five points for your brother, it can be regarded as giving me face, and I will no longer be difficult for you. But you, who have not yet divided the government, where are you going to make up for the 100,000 taels? Otherwise, I'll pull you and help you make it up? ”

The sixteenth elder brother shook his head and said, "No, no, my brother has a place to borrow money." To tell the truth, Brother Jiu, this time my brother wants to do a big job, and it can be regarded as giving Eniang a long face. The younger brother didn't dare to guarantee the ticket, saying how to make a fortune, but according to the implementation of this plan, the future profits can make many people blush. If Brother Jiu had spare money in addition to the five cents of shares, it would be better to find a few names and occupy a few more shares. This is just my brother's suggestion, we can return to the capital, is there any risk, my brother doesn't dare to pat his chest, and he has to make his own decision. ”

When the sixteenth elder brother said "where to borrow money", he glanced at Cao Hao.

The ninth elder brother saw it in his eyes and thought that the sixteenth elder brother was going to borrow from Cao Hao, which was a little uncomfortable, but he let go of the matter. Then listening to the advice of the sixteenth elder brother, he was quite touched. However, with Cao Hao here, he didn't have much to say, so he could only say vaguely: "I'm just a shell, I earn 1,300 taels of silver a year, and the Zhuangzi under my name is not as good as the brothers of Prince Feng......"

The sixteenth elder brother just said the words, and as for how the ninth elder brother acted, he didn't care.

After getting the ninth elder brother, Cao Hao and the sixteenth elder brother went to Prince Jian's mansion together.

In the half year since Yang Zimo's death, Yaerjianga has changed a lot. I heard that he dismissed all the prostitutes in the house, and even the boys sent outside refused.

In the eyes of the world, the first two years of "Jinwu Zangjiao" was a beauty. However, with Yarjianga's arrogant style, he is not a secretive person. Yang Zimo was famous in the capital in his early years, and there were many people who had seen him. It's just that because of Yarjana's power, no one dares to provoke him.

It wasn't until Yang Zimo passed away that some gossip came out.

Some people are shameless, and some people secretly admire Yaajiang's affection. When Yang Zimo was at the funeral, Yaerjianga cut off his half-foot-long braid and was buried with him, which was already treated as a wife.

Seeing Cao Hao and the sixteenth elder brother visiting, the arrogance in Yaerjiang's expression decreased a little. To Cao Hao's surprise, when he heard about the bank, Yaerjianga didn't frown, and nodded his head to answer the 100,000 taels of silver.

The sixteenth elder brother was shocked by the wealth of Prince Jane's mansion, and at the same time admired the courage of Yarjiang'a.

He only said one sentence: "Cao Hao is doing things, I can rest assured." ”

As he spoke, Yaerjianga looked at Cao Hao's gaze, which was a little more clear. seems to understand that pulling himself into the shares is to help the sixteenth elder brother support the field, and he also understands that the upper limit of the relative and others is two points, and these five shares are also the favors of Cao Hao and the sixteenth elder brother selling themselves.

Cao Hao's side was quite touched.

Whether it is his father's side, or his father-in-law and brother-in-law's side, they are worried about Cao Hao's actions a lot. Of course, because of the confusion in his heart, but also because he was a little distrustful of his youth.

But I don't know where Yarjiang's unhesitating trust comes from......* After communicating with the ninth elder brother and Yaerjiang Adu, the sixteenth elder brother wrote an excerpt and handed it to the imperial front together with Cao Hao's "plan".

It has been five days since the holy car left Beijing, and it is still on the way. However, the sixteenth elder brother was anxious and couldn't wait. If this plan is successfully implemented, before the end of the year, if the military department wants to transfer troops, there will be no shortage of money.

It is also a novelty to lend money to the imperial court and receive interest. The sixteenth elder brother thought about it, and he was a little excited.

In addition to handing the fold to the emperor, the sixteenth elder brother also wrote a letter to the concubine who followed him, asking about the concubine. Since it is what Concubine Yi said, then the matter is inseparable.

For the sixteenth elder brother, his mother officially obtained the title of concubine, which is more important than the title of his own mansion. has an official title, no matter what he and the fifteenth elder brother will achieve in the future, the support of the princess in the harem will not be a problem.

When the excerpt and family letter of the sixteenth elder brother were sent, there was an edict to the Ministry of Rites: "The mother of the elder brother Wang and others is in the palace for more than sixty or fifty years, and although the palace is called a concubine, she has not yet been sealed." Today, the Borzigit clan, the concubine Guarjia clan, and the mother of Chunjun Wang Yinyou, Dajia clan, are concubines. Feng Beizi Yinyi's mother Wanliu Ha's family, the fifteenth elder brother Yinyu, the sixteenth elder brother Yinlu's mother Wang, the seventeenth elder brother Yinli's mother Chen, is a concubine. The Ministry of Inspectors has all the examples. ”

(To be continued)