Three days later, the crowd in front of the Lin family's bank, which was originally only a little anxious and stable, suddenly rushed into the Lin family's money village like crazy, waving the Lin family's silver ticket in his hand, and shouting loudly. Because the money bank has no money to withdraw. The head of the Lin family appeared on the spot, and said slowly with a smile: "There are too many people who withdraw silver today, so the cash silver prepared today has been withdrawn, and if you come back tomorrow, there will be silver to withdraw." Rest assured, my Lin family's reputation for many years will not be wiped out in a moment. ”

The instigated crowd doesn't care about it. At this time, the door of the bank of the Shanghai branch of the Daqing Bank slowly opened, and under the maintenance of the officers and men of the local area, more than 30 carts were scattered in four ways.

"Get out of the way, get out of the way." Behind the crowded crowd in front of the Lin family's money village, the officers and soldiers of the brigade were approaching. The soldiers in the front row finally opened a passage, and the twelve cars behind followed.

"What's going on?" An official dressed in a four-rank official uniform got out of the sedan chair at the rear. This person is Xi Ligong, who was recommended by Lin Qizhao to become the president of the Shanghai branch of Daqing Bank.

"I've seen Lord Xi." The head of the Lin family immediately stepped forward to ask for peace: "There is a little situation in the Lin family's business, which has alarmed Lord Xi. ”

"Lin Laosheng is too polite. Your Lin family money bank has an agreement with Daqing Bank, and now that Guiqian Zhuang has something to do, Daqing Bank should come forward to coordinate. But why is there a run to the point where the margin has to be used? "The conversation between Xi Ligong and the head of the Lin family was in front of everyone's eyes. Xi Ligong's words surprised everyone around, what agreement? What margin?

"Didn't my Lin family go around buying raw silk. I don't know who is bewitching around, thinking that my Lin family has no silver to mention, so that's the case. It's time for adults to break their hearts. ”

"It's okay, after hearing about it this time, the lower officials can send four teams, each escorting 80,000 taels of silver to the four Lin family money villages. There's no way I'm short of manpower, so I can only deliver these at once. Mr. Lin still asked people to count and hand over as soon as possible, and the next official waited for another delivery. ”

"They're making a show, don't believe them." Someone in the crowd shouted.

"Who's yelling." Xi Ligong looked around angrily: "This official is an official of the imperial court, and he acts above board. Let's talk about it. "Tell me to open the lid of a car, and it will be full of silver shining.

"There's only this one car." Another person in the crowd shouted.

"Open them all." Xi Ligong gave an order, and all twelve car covers were opened, all of which were all silver. Xi Ligong sneered: "Why didn't anyone say that each box only has a layer of silver." Say yes. Circle the car and open the side panels. ”

Looking at the silver all over the ground in a large circle surrounded by twelve taels of cars, Xi Ligong said to the head of the Lin family apologetically: "It seems that the Lin family is going to trouble the Lin family to count the silver again." ”

A foreigner squeezed out of the crowd of onlookers, holding a book in one hand and a pen in the other, and asked in stiff Chinese: "Hello adults, I am a reporter from Shanghai Declaration." May I ask you, my lord, you said that Daqing Bank has an agreement with Lin Family Money, is it convenient to disclose it? ”

"Of course, it's not a secret." Xi Ligong stood aside in order not to affect the inventory of the bank: "The Lin family has joined the credit guarantee system proposed by Daqing Bank. The credit guarantee system is to ensure that the bank is in normal operation to avoid being run on by abnormal situations like this. Of course, there are also conditions for joining the credit guarantee system. That is, 30% of the total deposit amount must be handed over to Daqing Bank as a credit deposit, and although Daqing Bank will not interfere in the operation of the bank, the accounts of the bank must be reported to the Daqing Bank every month and are subject to the supervision of the Daqing Bank. ”

"Excuse me, sir." The foreigner reporter asked another question: "If the money bank that has added the credit guarantee system loses money or goes bankrupt due to poor management, how will Daqing Bank deal with it?" ”

"Quite simply, Daqing Bank will take over these banks in their entirety, and all the accounts of the banks will be settled by Daqing Bank. If a loss is incurred, it will also be borne by Daqing Bank. For depositors who already have deposits in the bank......" Xi Ligong smiled slightly: "At this time, the credit margin will play a role, and Daqing Bank will fully assume and release the deposits." Even if the amount of security deposit is insufficient, the overspending part will be paid by Daqing Bank. ”

"My lord, that is to say. Even if the bank fails, all depositors' deposits will eventually be guaranteed by the Daqing Bank. Is that so? ”

"Yes, that's where the credit guarantee system comes in."

The foreign reporter raised his hand and said, "My lord, do you see if you have time now, I want to conduct an exclusive interview with you?" ”

"As you can see, it's still chaotic here." Xi Ligong smiled apologetically: "I think the official will be free in three days, I wonder if Mr. Reporter would like to visit Daqing Bank?" ”

"I'm going to be looking forward to seeing you in three days."

In the crowd, Lin Qizhao, who was dressed in civilian clothes, watched all this. I couldn't help but sigh in my heart: The emperor has good means. He remembered the word "crisis" that the emperor said, and today I am afraid that only the emperor has a deep understanding of the true meaning of this word: danger and opportunity coexist.

In the next three days, a total of 1.2 million taels of cash were transferred from the Shanghai branch of Daqing Bank and delivered to Linjia Qian Zhuang in batches, of course, only around Shanghai. Although only the Linjia Qianzhuang around Shanghai was unhindered, the impact had spread to the entire Jiangsu and Zhejiang regions. The matter of Daqing Bank's guarantee for the Lin family became the hottest topic in Jiangsu and Zhejiang for a while.

"Have you heard of it, it turns out that the Lin family money village is guaranteed by Daqing Bank, no wonder it can't be squeezed no matter how much it is squeezed. I've heard that this time, Daqing Bank took more than 1 million taels from the Shanghai branch alone, and it's still taking it out. There was a lot of discussion in the inn wine shop.

"You've only heard, we've known for a long time." Others dismissed: "I have withdrawn all the money stored in other banks and deposited them in the Lin family's bank." ”

"What if the Daqing Bank is squeezed out?" There are also worried questions.

"When I look at you, you're like a countryman, who hasn't read a newspaper. The Daqing Bank was guaranteed by the imperial court revenue. Our Qing court can have an annual income of 80 million taels of silver. Even if you withdraw the current treasury silver, as long as this year passes, Daqing Bank will have another 80 million taels of silver in taxes. Even if you mention it all day long, can you withdraw 80 million taels of silver every year? "Contempt, naked contempt. The scholar shook his head slightly, and a sense of superiority arose.

"Yes, yes, there is a year of income as a guarantee, who else can empty the Daqing Bank." It was a bank run by the imperial court. Everyone suddenly realized.

"Then why doesn't Daqing Bank handle deposits?" One asked in a whisper.

"That's the imperial court's bank." The scholar sneered: "Of course, the banks of the imperial court are going to do big things. There is an annual income of 80 million taels of silver, and who can do such a small business as a deposit. ”

"That's that, that's. Not to mention, I have to go back and withdraw all the money and store it in the Lin family's bank, which is safe. This sentence instantly woke everyone up, and they all quit their jobs and went home to withdraw money.

Originally, the Lin family money bank, which was affected by the run, changed from sending silver from Daqing Bank every day to sending silver to Daqing Bank every day. The head of the Lin family said with a smile: "Now that the squeeze has passed, this margin still has to be paid." ”

As a result, another squeeze turmoil spread from Shanghai. This is a turmoil that no one expected, the momentum is so fast, and the fierceness of the momentum catches Qian Zhuang off guard. Except for the Lin family's bank, which has changed from a crowd of people to a crowd of deposits, all the other banks are full of people who withdraw money. It's not that other money banks have a bad reputation, but that the reputation of the Lin family money bank is too good, and there is nothing more important to ordinary people than risk-free deposits.

At this time, the plaque of "Linjia Qianzhuang has joined the credit guarantee system of Daqing Bank" specially made by Daqing Bank Shanghai Branch was officially listed in the major Linjia banks. This is the real golden signboard, the guarantee of credit.

And the major money houses in Jiangsu and Zhejiang, which wanted to see the Lin family lose in the raw silk war, had a headache to deal with the sudden squeeze. On the one hand, he sold the list in his hand at a low price to recover the cash, and on the other hand, all the family owners came to visit Xi Ligong, the president of the Shanghai branch of Daqing Bank.

The foreigners, who were originally strong, were completely panicked now, and wanted to follow the example of what they did against Hu Xueyan back then, and instigated the people to squeeze out the Lin family's money to force him to comply, but now it is no longer possible. On the day when the plaque given by the Daqing Bank was hung up in the Lin family's bank, Liu Kunyi, the governor of Liangjiang, suddenly ordered the cutting down of mulberry trees in all parts of the Yangtze River, which was first tried by the Hangzhou government, and the change of mulberry to agriculture must be completed before the year. He also explicitly ordered that all the officials who could not complete the reform of mulberry and agriculture before the spring ploughing early next year were dismissed, and if they could not be completed, Liu Kunyi would resign from the imperial court on his own. On the same day, Yan Fu, the prefect of Hangzhou, led his officers and soldiers to forcibly cut down nearly an acre of mulberry trees.

Jardine Matheson couldn't sit still at first, and found the Lin family that night to reach an agreement. The next day, the major foreign banks that learned of the incident finally compromised and bought it at the price offered by the Lin family. This life alone can earn 9 million taels, and Guangxu, who was sitting in the Forbidden City, drank some wine happily after hearing about it to celebrate. I can finally let go of the heart that has been hanging for a long time. But no one expected that the turmoil brought by this raw silk war was far from stopping, and Guangxu, the initiator of the chrysalis, did not expect that this raw silk war could bring greater and more gains.

After the matter outside, Lin Qizhao returned home without alarming others. The previous head of the family resigned as head of the family on the grounds that he was too old to cope with such a complicated situation, and was replaced by Lin Qizhao's father. At this moment, in the secret room of the Lin family, Lin Qizhao and his father sat opposite each other.

"Congratulations to my father on his ascension to the position of head of the family." Lin Qizhao was also full of joy.

"I'm ashamed of my father." Lin Qizhao's father said this, but a smile bloomed on his face: "After this incident, my Lin family is a famous family in Jiangnan. The original intention of the old family owner is to let you be the head of the house. But you are now an official of the imperial court and have lived in the capital for a long time. I was afraid that I would not be able to deal with the affairs of the family, so I let my father be the head of the family. For the father, it is for the light of your son's flower. However, this matter is indeed dangerous, if you don't come up with a credit guarantee system, my Lin family is afraid that it will be wiped out. Please also remind the emperor to be careful next time. ”

"My son understood. In fact, this credit guarantee system was conceived by the emperor, so that the money bank in Jiangnan will be included in the supervision of the Daqing Bank. But the son reminded his father that since he had agreed to join the system, he still had to pay the guarantee. ”

"My father naturally understands that my Lin family has made a lot of profits this time. This margin will definitely not be less than a point. This time, Zihua came back to live for a few days. ”

"I can't live, and I understand that my son is going to return to Beijing. In addition, the son also brought the emperor's will. Lin Qizhao held up his father who was about to salute: "Father doesn't have to be like this, the emperor wants the Lin family to do something again." According to the agreement between his son and the emperor, half of the profits from the raw silk went to the emperor. Since I couldn't go to the official scene, I asked my father to keep it on my behalf. Half of the funds were used to purchase a large number of soybeans, mung beans, dried seafood and other foods that are easy to preserve. After procurement, it can only be transported to the Northeast by Shunfeng Logistics, and the consignor is Zhang Jian. Don't ask why, because I don't know either. ”

"More than 10 million taels of silver, I don't think there is a place to put it." Father Lin laughed: "The elders of the family have discussed, and the Lin family should not make a penny of the profits of raw silk this time. Zihua doesn't know, now except for my Lin family's money bank, everywhere is squeezing cash and depositing it into my Lin family. Almost all of the orders they were forced to transfer at a low price were taken away by my Lin family. The profit here alone is millions of taels, plus the emperor's fireworks business. My Lin family finally has a place in this Jiangnan. Therefore, he also served the emperor by another million taels. ”

"The emperor has promised that as long as half of it is not repentant, in fact, there is no need. And my Lin family is good at using this silver to expand business, why are the elders in the family like this? Lin Qizhao was quite puzzled, although he was an official of the imperial court, he always thought about his family a little.

"It's all for you. In order for you to stand more firmly in front of the emperor and speak more powerfully. Being an official is the same as doing business, and you have to look at the long term. Although my Lin family has less than five million taels of raw silk this time, isn't it also profitable from other money banks. The old man thought that the emperor would never have thought of it. As long as you can say a few words for your family in front of the emperor, this bit of silver is not easy to get. ”

"Father must not think about this." Hearing his father say this, Lin Qizhao thought of the emperor's words when he was in the first place, and hurriedly reminded: "Father doesn't know, the emperor is the most taboo for his subordinates to collude with his family in private. If without the emperor's consent, the son and the family have private affairs, the emperor has clearly said that it is just a will for my Lin family to be ruined. ”

"Zihua rest assured, although his father's name is the head of the family, no one in the family knows that you are. You can rest assured that if there is any business with the government, it will be reported to you. ”

The next day, Lin Qizhao returned to the capital. Although the raw silk war is over, a large number of affairs such as the delivery of goods, the redemption of silver taels, and the repayment of loans and interest with the money bank and ticket number are dispatched and dealt with by their own forest households. Guangxu also said that when he was immersed in the joy of making tens of millions of taels, the turmoil of the raw silk war quietly spread from Shanghai. The unexpected joy brought by this made Guangxu even more happy. The first is the Northeast.

The Lin family also has a small amount of money in the Northeast, and after the news of Shanghai spread to the Northeast, the Northeast also quietly began to raise the situation of the Lin family. Because of the large number of people who migrated to the Northeast affected by the floods last year, this withdrawal immediately caused the Shanxi ticket numbers that originally occupied the overall situation of the Northeast Money Village to withdraw to the general number to deal with it. When the news reached the capital, Guangxu saw an opportunity to break the monopoly of Shanxi ticket number on northwest finance. By the emperor's will, the Lin family immediately opened money banks in many places in Shanxi, because the ticket numbers in Shanxi have not been added to the credit guarantee system of Daqing Bank, and they are inevitably in the dilemma of withdrawing cash everywhere. The affected Shanxi bills finally compromised and joined the credit guarantee system, not only to hand over 30% of the total deposits to Daqing Bank, but also to be supervised by Daqing Bank in the future. In exchange, the Lin family money village withdrew from Shanxi. The branches of Daqing Bank in Taiyuan and Henan were established, not to mention the Zhili area. Daqing Bank also took this opportunity to open branches in Hefei, Jiangning, Nanchang, Guangzhou, Fuzhou and other places. For example, with the exception of remote areas such as Yunnan, Guichuan, Xinjiang, and Tibetan provinces that have been suspended due to the conflict between the two lakes and Zhangzhidong, the financial system supervised by the Daqing Bank as the central bank in name only has begun to take shape.

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