The tall beard has a black face, his mouth is full of blisters, since the crisis broke out, there has been trouble everywhere, and he is a power-loving and managerial person, sleeping for two hours a day at most, and his anger is so angry that no one is pleasing to the eye. Pen, fun, pavilion www. biquge。 info

"Lord Wu, just by building a new bank, you can stabilize the market, the old man doesn't believe it!"

Wu Tiancheng was prepared for a long time, and said with a smile: "What Elder Gao Ge said is that a bank is not a big deal, the key is to see who the shareholders of the bank are and how strong they are. ”

"Then the old man wants to listen, who is willing to wait for shareholders?"

"Jiaotong Bank, Shuntian Guanyin, City Bank, Suzhou Industrial Bank, Huguang Fusheng Ticket Number, Guangdong Commercial Bank Joint Number, Tianjin Ticket Number, and the four major money banks of Jinshang, including Heshengyuan!" Wu Tiancheng reported the names of the banks one after another, and everyone present was shocked.

The Bank of Communications is the world's leading big bank, the most powerful, and the rest are also dominant, the most surprising thing is that it includes the four major money banks of the Jin merchants, as well as Heshengyuan!

Good guys, all the financial giants of Daming have almost been wiped out, it's really bold!

"Lord Wu, don't talk about other old men, Heshengyuan is still being run, is he qualified to become a shareholder of the new bank?"

"Back to the old Gaoge, although Heshengyuan was run, but the eight major shareholders of Jinshang have been injecting capital, the exchange is still ongoing, the responsible attitude of Jinshang is very remarkable, they still have strong strength, and a large number of high-quality assets, what is lacking is nothing more than mobile *** pass, and other bank ticket numbers, willing to support Heshengyuan, the current difficulties, enough to survive."

"Hmm!"

Gao Gong nodded, and suddenly smiled at Tang Yi, "Yuanfu, this is what you call credit, right?" ”

"Gao Ge is keen." Tang Yi said: "The major banks have joined forces to provide strong guarantees, which can indeed help Heshengyuan temporarily tide over the difficult period. However, if the silver crisis is not resolved, the industrial and commercial industries in the south will not be able to resume operation, and sooner or later there will be problems. This cabinet proposed that immediately after the establishment of the Daming Savings Bank, the Ministry of Household authorized the issuance of 8 million yuan of bonds for the construction of the Jiangnan Straight Road, the renovation of the wharf, and the construction of a new shipyard. ”

At present, the export of silk cannot break the impasse for a while, a large number of workers are unemployed, the originally thriving construction industry is also very withered, and the people have no source of livelihood and are waiting to be fed. Instead of opening warehouses to release grain, it is better to provide job opportunities, and when roads are built, they need cement, timber, craftsmen, and horse-drawn carts and livestock, which can drive a large number of jobs. Moreover, these orders are all denominated in the new silver dollar of the savings bank, which can quickly build credit and restore confidence...... In this regard, Mr. Wu has already done research, and a detailed report is one for each person, so you can take a look and talk freely about any problems. ”

Tang Yi said it soundly, but there are such complex things as a bank, a lot of proper nouns, and above the court, except for Gao Gong, Zhang Juzheng, Zhang Shouzhi and a few other people can see it, everyone else is vague.

They just feel that if the major banks join forces, their strength cannot be underestimated, and it will be enough to deal with the immediate crisis.

When disaster comes, standing on the edge of the cliff, I can't allow the big guy to think too much.

Even Gao Gong and Zhang Juzheng, they felt that this Daming Savings Bank was not simple, but they did not understand the key to it, and at the cabinet meeting, it was quickly approved and authorized Tang Yi to immediately prepare for the establishment of a bank and stabilize finance.

Tang Yi first ordered all localities to suspend trading for 20 days, and during these 20 days, banks in various places used all their inventory of silver, mobilized all key cities to run, and prepared sufficient silver bullets.

At the same time, Tang Yi ordered the governors and important ministers in various places, and the newly appointed governor of the royal palace, to suppress all the clans, not allowing them to come out to make trouble, and issued instructions to the big households in various places, asking them to cooperate with the deposit and not to participate in the run......

Speaking of which, there are not many new things in these measures, Yang Bo has done them all, but the problem is that he does not control the cabinet, his name is not justified, and there is a traffic bank next to him to cause chaos, so naturally it is a failure.

Now that Tang Yi has thrown out the establishment of the Daming Savings Bank, the major merchant families are like sharks smelling blood, and they have pounced on it, Tiannan and Haibei, inside and outside the Great Wall, on both sides of the Yellow River, all banks with some strength want to take a piece of the pie.

The big guys are all asking Tang Yi, where can they add to the chaos!

Twenty days later, Heshengyuan reopened, and there were still many people from all over the country who came to exchange, but Heshengyuan had enough ammunition and coped with it easily.

Among them, Jinan, which was the first to collapse, doubled the window, transferred 500 soldiers, and moved out hundreds of large boxes, all of which were densely packed with silver ingots, shining brightly, blinding their eyes.

Redeem it, you can get it as much as you want!

On the first day, more than 3 million taels were redeemed, but on the second day, it dropped to 1 million taels, and on the third day, it was only 300,000 taels...... On the fifth day, there were a lot of people, they touched the taste, the silver was kept at home, the cases of theft have risen sharply in the past few days, and many people have given their lives to thieves, what is this!

Bancassurance, you can still get interest, why don't you save it back?

From the fifth day, Jinan Hesheng Yuan was exchanged for 180,000 taels, but received a deposit of 200,000 taels, which was inefficient, and there were 20,000 taels flowing in!

Oh my God, it's alive!

Tears of excitement flowed from everyone, and although there were occasional twists and turns, the overall outflow of silver was curbed, and the original silver dollars, bank bills, and silver bills were gradually recovered, and the financial system calmed down again.

However, there is one thing that cannot be returned, the comparison between silver and copper has completely collapsed, the original seven or eight hundred wen for one tael of silver, at most one thousand wen, for one tael of silver, but now it has become three thousand wen for one tael, and the copper coin has become even less valuable.

There are good and bad aspects of this change, ordinary peasants and ordinary people, their wealth has shrunk by a large margin, many people have accumulated a lifetime, buried in clay pots, the copper has shrunk by as much as three or four times at once, and they could originally buy a courtyard house, but now they can't even buy two rooms. The well-off family has become tight and pitiful.

On the bright side?

Since copper circulated in large quantities among the people and in the countryside, the landlords and gentry who had originally collected rents were affected.

In fact, many of the gentry had long since ceased to levy rent in kind, and it was very laborious to store grain, and a huge granary was even more valuable than the grain inside, and if a little rain leaked, a warehouse of grain would be wasted. Therefore, the rent they collected was converted into copper coins.

At present, the price of copper has collapsed, but the income of the tenants has not increased in copper dollars, in other words, the landlords cannot make up for their losses by collecting more copper coins.

What does this thing look like? It's a bit like the exchange rate of various countries in later generations, for example, the exchange rate of the flower grower plummeted by 10 percent, and at the same time asked the boss to increase the wages of the workers by 10 percent.

However, from the perspective of green votes, the increase in wages is offset by the depreciation of the currency, that is to say, the labor of the flower growers has not risen, the prices have not changed, and it is normal for the investment to be an investment, and to hire a worker or a hired worker.

The current situation of Daming is similar, but the result is reversed.

The price of copper plummeted, causing heavy losses to the landlords and peasant households, who mainly used copper coins to settle settlements, and the direct result was the annexation of land, the collection of land rent, and the fact that the profits became more and more meager, and even encountered a famine year, and they had to lose money, and the strength of the traditional gentry group was greatly reduced.

In cities dominated by silver, the corresponding purchasing power has increased significantly, and the profits of industry and commerce have increased sharply.

Back and forth, it is the traditional concept that has been seriously impacted.

The deep-rooted concept of keeping one's business and getting rich at the end is becoming more and more untenable.

If you want to make a fortune, you must invest in industry and commerce, and after earning silver taels, you can buy land and collect rent, which will only be ridiculed by others, and you will not have a business mind, and you are a complete fool.

This is also happening in the West, and it is called the price revolution!

However, because of the massive influx of gold and silver in the West, prices have inflated, traditional landlords have been weakened, and the strength of new industrial and commercial groups has increased greatly.

The Ming Dynasty happened to be reversed, and it was the decrease in the inflow of silver that forced the price of silver and copper to change abruptly.

The effect of the two is almost the same, both greatly straighten out the price distortion, the original male farmer and female weaver, no matter how diligent, from morning to night, the money earned is not enough to live a peaceful and good life. If you want to live well, you must engage in industry and commerce, and you must join the tide of commodity economy.

Price changes, like an invisible hand, promoted the rapid change of the social structure of the Ming Dynasty, and the city became more and more the center of wealth and the place that everyone yearns for.

At this time, Tang Yi's investment plan is full of attractiveness.

But before that, there is one more problem to be solved, that is, how to deal with Jin Shang!

"Yu Po Gong, Daming Savings Bank, included Hesheng Yuan, but also included in the four major money bank numbers of Jin Merchants, it shows my attitude, I have no intention of going against Jin Merchants, nor do I intend to eliminate Jin Merchants, as long as the big guys uphold a cooperative attitude, in the future financial system, Jin Merchants will still play an important role."

Tang Yi smiled faintly and said: "I think Yu Pogong should know that he has done everything he can to talk about this step, and many of them want to swallow the Jin Shang's industry!" ”

Yang Bocheng was terrified, clenched his fists and arched his hands, "Thank you Yuanfu for being thoughtful, the old man understands it, Wang Guoguang will return to the capital soon, what should he do next, he will talk to his friends in the traffic line." ”

……

Coming out of the Tang Mansion, Yang Bo fell step by step, walked to the side of the carriage, and suddenly shook his body, fortunately his son Yang Junmin supported him, otherwise the old man would have fallen.

Back home, Yang Bo collapsed on the chair in the study, in pain.

"Alas, the glory of the Jin merchants, in the hands of the old man, is completely ruined, why don't you let me die! Zhang Yunling, you are too bad, you are afraid that when you see this result, you will die early! Why should I be left alone? ”

Yang Bo cried so much, it hurts! It hurts to the bone marrow!

The major banks helped Hesheng Yuan, but they did not help in vain, they provided less than 20 million taels of silver, but they took away nearly 160 million taels of Jin merchants' field workshops, as well as more than 30 million taels of equity bills, plus the previous run, the entire loss of Jin merchants exceeded 250 million taels!

The Zhang family, the Yang family, and the Wang family, who were originally at the top of the food chain, were all of a sudden bankruptcy.

The most infuriating thing is that the Jin merchants paid an unparalleled price, and finally kept the golden signboard, and as a result, Tang Yi established the Daming Savings Bank and completely appropriated their efforts.

You kid don't talk about eating and wiping clean, and you still come to bully people, the old man and you are not finished! (To be continued.) )