Qiao Chengwang has been in Yangzhou for several generations, and his main business is the salt industry, so of course Yang Chao is not stingy with loans.

However, the Kang family has a lot of assets in the north and enters the salt industry with a huge wealth, and Yang Chao is not very welcome.

But there are not so many worries about the salt merchants in Jiangnan, the Ji family in Taixing, the Ma family in Huizhou, etc.

But most salt merchants don't actually need to lend, such as Wu Tianxing, probably his current wealth is still much more than Yang Chao, and he lent Yang Chao about the same.

A few days later, Qiao Chengwang told Yang Chao that there were only three million taels released in total, all of which were only 100,000 taels, and at most 300,000 taels, and no one borrowed the larger amount at all, of course, the salt merchants who needed to borrow one million taels to operate actually did not need to borrow at all.

It's not a good thing for the bank.

"I'm tired of Mr. Qiao, help me find a few of the best engravers in Yangzhou."

The two core businesses of banks are deposits and loans, and foreign exchange business.

Since there is no credit for deposits and loans, no one will save them, and few people will come to lend loans, so Yang Chao thinks that no one can compete with him in the second exchange business.

At this time, except for Yang Chao, who dared to risk transporting a large amount of silver on the road, and besides Yang Chao, who dared to guarantee safety on the way from Jiangnan to Yangzhou.

Therefore, in the business of foreign exchange, Yang Chao, who has a heavy army, has a natural advantage.

The merchants of the Ming Dynasty are also doing it, but they are all small-scale, and they are not the main business, and even most of them are friends and do not charge fees, ordinary small and medium-sized merchants do not need it at all, and it is enough for them to carry silver, after all, ordinary people still use copper coins in the era, and the value of silver is enough to ensure trade.

But Yang Chao didn't want to directly copy the model of silver horns and pawn shops, he found the best engraver, and did not plan to print ordinary tickets, but planned to directly print more convenient silver tickets, similar to the Jiaozi of the Song Dynasty, which is actually paper money.

In fact, the two major businesses of the banking industry, deposit and lending, are only the most basic business, and the higher level is investment banking. But the more advanced ones are the banks that print banknotes and print money directly, who can afford to mess with them.

But the premise of printing money is sufficient credit.

No one has enough credit, so they can only guarantee it with silver. Yang Chao had enough silver, so he could print silver tickets.

"Master Qiao, how about lending those pawnshop accounts of your family to this official temporarily?"

If you have money, no one can do it, and Qiao Chengwang's family also has a lot of pawnshops, and they also lend usury. These account offices are proficient in this, and Yang Chao intends to borrow them.

Soon the worker came and told the worker that he wanted to print a silver ticket, but the worker didn't understand and told him to print the Jiaozi of the Song Dynasty, and the worker understood.

In fact, the Ming Dynasty also had paper money, called treasure money, but the treasure money was played by the Ming Dynasty, because the Ming court only wanted to print money, but did not want to recycle. The money was put into the market one by one, but in the end, it was worthless, no one was willing to use it, and it had to be scrapped.

The economic consciousness of the Song Dynasty government is obviously much stronger than that of the officials of the Ming Dynasty, the Northern Song Dynasty, the Southern Song Dynasty, and the paper money of the Song Dynasty have never lost their credit, although they have been repeatedly depreciated, they can always be pulled back by the imperial court before losing their credit.

With the carver, it is not possible to print silver tickets immediately. Stereotyped, printed, and has a complex set of processes.

Fortunately, there is no shortage of such people in Yangzhou, and the natural printing industry is also extremely prosperous in a culturally prosperous city. Yangzhou's printing industry is not worse than Nanjing, so all the printing equipment is ready-made.

It only takes a month or two for the samples to come out.

After directly providing the carver with a pattern, he let him hurry up and get to work.

After that, I talked to a few account offices and told them that I planned to lend money to ordinary people in Yangzhou.

Yangzhou is dilapidated. The merchants need to repair their yards, and the people also need to repair their yards.

But the businessmen are backed by wealth, and these little people are miserable.

"It's three points of profit, and I don't sit on the ground to draw one, but I have to guarantee that I can repay the money, what I need is credit, I will be credit, and customers also need to talk about credit."

Credit is a cumulative process, mutual integrity, there is enough credit.

On the premise of credit, the final result agreed with the bookkeeper was that those families in the city who had a skill and had quickly found a job should be willing to lend money at such a cheap monthly interest.

Yangzhou has the support of Qiao Chengwang, and the shelves are easy to set up, and on the most prosperous Dongguan Street, a big shop was bought, and then it opened for business.

At the same time, Yang Chao sent a shopkeeper to Nanjing, and immediately opened up in Nanjing, temporarily infiltrating the areas he controlled, mainly engaged in the exchange from Nanjing to Yangzhou, which should also be welcomed by small and medium-sized businessmen.

Yang Chao was busy stabilizing order in Yangzhou, but the situation in the world was unstable.

The military campaigns of the Manchus did not stop.

Duoduo actively integrated forces in Huai'an.

In the first battle of Yangzhou, he was defeated and lost miserably without knowing who the enemy was and how many enemy troops there were.

He had never lost so much in his life, and before leaving, he asked Yang Chao who beat him.

This name Duoduo is not unfamiliar, and Turge, who was defeated by Yang Chao in Haizhou, is one of his solid mountain Ezhen.

Duoduo took advantage of the defeat of Turg, and finally made a big fuss, forcing Huang Taiji to give up the infiltration of the inlaid white flag, pulling up the nail of Turg at once, annexing his subordinates, and making an iron plate inlaid with the white flag, and finally when Dolgon seized power, Duoduo's inlaid white flag was the main force.

Therefore, Duoduo has always had a good impression of Yang Chao before, but after suffering such a big loss on Yang Chao this time, this good impression is gone.

Although Turg was defeated by Yang Chao, but Duoduo didn't particularly care about this name, Turg's idiot didn't even care about common sense, more than Liantian, he camped on the ground, made such a big mistake, he deserved to be defeated by someone with a water attack, Duoduo didn't think he would make such a mistake, so he thought that Yang Chao couldn't defeat him, and Yang Chao's attack on Turg was nothing great, at best, he was just a young general of the Ming army with a little strategy.

But this defeat at the hands of Yang Chao made Duoduo dare not be careless, until now he only knows the name of Yang Chao, neither knows how Yang Chao defeated him, nor how many troops Yang Chao has, and even never knows how Yang Chao secretly entered Yangzhou City.

After thinking about it repeatedly, he decided that Yang Chao was most likely hiding in Yangzhou City, and those big families had secret rooms, and Yang Chao was just hiding well.

In this way, Duoduo guessed a Ming Dynasty version of the Trojan Horse Scheme.

Yang Chao's troubles for Duoduo did not stop there, after the defeat of Turg, Duoduo could make a big fuss and annex Turg's troops, and now Duoduo was defeated, and the defeat was even worse than that of Turg.

Turg only lost 10,000 people, but Duoduo directly buried 30,000 Eight Banner soldiers, and 70,000 Ming troops surrendered, so it was inevitable that he would be attacked by political enemies.

The Qing court was ruled by Dolgon, so as brothers, Duoduo and Azig were able to go out as the leading generals respectively, in order to seize merit and strengthen Dolgon's power.

Originally, the exploits of Duoduo and Azig would have become Dorgon's bargaining chips to control the imperial court, and similarly, the defeat of the two of them would also become the target of Dolgon's attack.

Dolgon has political enemies, and there are many of them, although he has just dealt a severe blow to this biggest political enemy by bribing Hauge's Heluo Society, denouncing Hauge, but Dolgon's power has not yet reached the point of directly destroying Hauge.

At this time, Duoduo suffered such heavy losses, and for the first time since the expedition, the entire army was annihilated, so that the political enemies of Dolgon in the court took the opportunity to attack, and even some people began to secretly contact Hauge for a while, obviously this strongest son of Huang Taiji has not given up.

Dorgon also knew that he had caused a lot of trouble for Dorgon, Dorgon ordered to reprimand him and fined him three bulls, but he did not recruit him back to Beijing, out of political struggle, although Dorgon was defeated, but Dorgon still had to support him, and still had to let him lead the army, if Dorgon failed completely, it would also be a defeat for Dorgon.

Therefore, Dolgon withstood the pressure and sent troops to Jiangnan again, drawing too many troops, which would inevitably mean the emptiness of the northern control area, and Dolgon had to take more political means to interrupt the shaving order promoted in the north in advance.

With the arrival of new reinforcements, Duoduo began to recover, and still let Gushan Ezhen Zhunta lead the Shandong Qing army, and he personally commanded the reinforcements that arrived later, and began to plan a new round of attacks.

"Lord Wang, for today's plan, we should join forces in one place, and divide our troops to be weak."

Junta was a little apprehensive about Duoduo's plans.

Duoduo smiled and said, "Okay, the division of troops is for the purpose of dividing in." You still lead the army of the East Road to the south! ”

Zhun Ta was even more worried: "Slave division? Where to get in? ”

Duoduo commanded more than 200,000 troops and the whole army was annihilated in Yangzhou, which shocked Zhun Tower, and reminded him of the fate of Turg, he was a minion, if the defeat of Yangzhou happened to him, it would be a dead end, so he was worried.

Duoduo took out the map of Jiangnan and pointed north: "Here!" ”

Zhun Ta was puzzled: "Haizhou? ”

"That's right!"

It was Duoduo who asked him to fight Haizhou.

Zhun Ta said: "The so-called division of troops is weak, if Yang Chao comes to attack Huai'an at this time, what should I do?" ”

Duoduo snorted, "It's best he's here!" This king wants to see how he fights this king! ”

At this time, Duoduo still believed that Yang Chao's war was all by trickery, and if he dared to fight in the field, he would definitely be able to capture Yang Chao alive.

Zhun Ta didn't say much, since the prince of Duoduo had decided, there was no need for him to get it right.

Anyway, if he goes to Haizhou, the chance of him meeting Yang Chao is much smaller, as for whether Duoduo can block Yang Chao's attack, it is not his quasi-tower business, but his quasi-tower is in Haizhou.

So the Qing army immediately began to move, and soon a partial division marched along the Yunyan River to Haizhou.

Yang Chao soon received an urgent report from Haizhou asking for help. (To be continued.) )