The ceremony at which the edict was issued was extremely formal and solemn.

The thank-you banquet held by the newly promoted Nanjing Fifth Army Governor's Mansion Sipin, the Admiral of the Nanjing Firearms Factory Construction Affairs, and the Mingwei General Zhu Daolin was also grand, not only setting down 50 large tables in one breath for a feast, but also sending out nearly 10,000 taels of silver Xie Yi, the result was naturally lively and lively, and everyone was happy.

At dusk, Zhu Daolin and the Taoist leaders of Ziyang Temple saw off all the guests and stood at the gate of Hushan Manor, looking at each other and smiling.

The drunken Xuanqing Daoist and the others listened to Zhu Daolin's words and continued to drink and talk, but they didn't answer a word and immediately turned away, but Yuhu, Yulong and other senior brothers followed Zhu Daolin back to the main hall with great interest to continue drinking.

The subordinates, who were also rewarded, happily put on a feast.

The energetic Zhu Daolin raised his glass again and again, thanking all the senior brothers, the senior brothers responded enthusiastically, and the laughter was endless, many people hoped to follow Zhu Daolin into the army to fight for a future, Zhu Daolin readily agreed, but it was not dark yet, and the 28 senior brothers who had seven or eight points of alcohol had been drunk by Zhu Daolin, who had a large amount of alcohol and was scheming.

The remaining few are not much better, because they are worried that they will get drunk and delay things and provoke the punishment of the masters, they can only be busy begging Zhu Daolin for mercy, or help or carry, send the drunk brothers out of the courtyard, and pull back to the Ziyang Temple with a carriage, and the Hushan main courtyard that has been noisy for a day finally calms down.

After Zhu Daolin finished bathing and changing clothes, together with several concubines, accompanied the freshly baked Mrs. Sipin to the sacrificial hall in the back garden, incense to the ancestors and ancestors, and prayed to Xiaoying's deceased parents.

Because she was too excited and tired, Xiaoying Shangxiang came back and fell asleep.

The careful Zhu Daolin instructed the little maid not to wake up Xiaoying, and quietly went to Xiyuan to talk to Xu Fu.

Ruyan, who happened to live in Dongyuan, also came to chat with Xu Fu. After a little discussion, the three of them took fruit wine and snacks, took out the zither, pipa and flute, played the piano together, drank wine together, and spent the night together with joy.

It was not yet dawn the next day. Zhu Daolin continued to appear on the high platform of the Ziyang Martial Arts Pavilion, motionless as he observed the more than 300 disciples running around the field in a neat line, but in his mind he was planning the shareholders' meeting of Bofu Qianzhuang to be held three hours later, and secretly decided to borrow 1 million taels of silver from Bofu Qianzhuang for three years again for the construction of a 1.5-kilometer river embankment, a large wharf at the mouth of the Jinchuan River, a transit reservoir area, and a large commodity trading market.

Prior to this, Zhu Daolin had borrowed 600,000 taels of silver from Bofu Qianzhuang for a period of 2 years with a monthly interest rate of 1.5% for the construction of Gushan Iron City.

The interest on this loan was very low and fair in the entire Ming Dynasty. The annual interest rate is only 18%, which is only two points less than the annual interest rate of Bofu Bank's external loans.

As early as two months ago, Bofu Bank announced the deposit and loan interest rates, creating a precedent for paid storage and general deposit and exchange in the Ming Empire.

Bofu Money strictly abides by the "Deposit and Loan Business Management System" approved by the joint discussion, and solemnly informs the world: Bofu Money implements two systems: mortgage loan and guaranteed loan, and all matters during the loan period are subject to the loan contract signed by both parties.

The news that Bofu Qian Zhuang borrowed 250,000 taels of silver from the Yan family to purchase an abandoned workshop at the foot of Shishan Mountain to build a rice mill, Ziyangguan borrowed 200,000 taels of silver to build a large medical center, and Nanjing Ordnance Factory borrowed 600,000 taels of silver to build Gushan Iron City, which soon triggered a positive market reaction.

Small and medium-sized landlords and wealthy businessmen who were originally holding on to a large amount of silver. Stimulated by the interest-bearing savings policy, they dug up the whole cellar of silver buried in the ground of their homes and deposited it in Bofu Bank. Choose a fixed savings method ranging from half a year to 5 years, in exchange for an annual deposit interest of 3%-8%.

At this point, the Ming Dynasty gave birth to the "rentier class" who lived on the interest on deposits.

Small and medium-sized businessmen and workshop owners who have the ability and the means but suffer from the lack of funds at hand have gone to the head office and branches of Bofu Money Bank to learn more about the loan interest, term and contract rules.

More than 120 workshop owners and small and medium-sized businessmen have successfully obtained small and medium-sized loans with a term of 1 to 3 years after having a mortgage or finding a guarantee. The monthly interest rate is 1.5%-2%, which is only 30% of the minimum lending interest rate of the money banks in Daming, and the contract is fair and the terms are clear, which has aroused strong repercussions from all walks of life.

Less than half a month. The total amount of loans to Bofu Qianzhuang Nanjing and the seven branches surged by 1.7 million taels of silver, while the total deposits in the past three months quickly exceeded 10 million taels of silver, reaching a record 10.5 million taels and is still growing slowly.

At five o'clock in the afternoon every day, dozens of heavily armed guards were sent to escort the special carriage loaded with white flowers and silver to the Bofu General Magazine for storage.

In the face of the good momentum of the rapid development of Bofu Money's capital expansion, the shareholders who had never encountered such a situation before did not feel overjoyed, but panicked, fearing that too many deposits and too few loans would lead to huge losses.

Zhu Daolin was very surprised when he heard that the total amount of deposits exceeded 10 million taels of silver, and after repeated thinking, he understood such a fact:

In fact, the Ming Empire is not without money, but without money is the corrupt system, the greedy and corrupt central court and the yamen at all levels, and the emperor who was rigidly bound by the ministers using the words of the sages, the distorted history and the "Huanghuang righteousness"!

The Ming Dynasty was not in short supply of silver, and the circulation was tight, but the wealth of the whole world was basically concentrated in the treasury of the landlords, rich gentry and family lords, and in the hands of the middle class dominated by industrial and commercial owners and officials at all levels, the wealth concept of the whole society was still stuck in a thousand years ago.

The people who hold gold and silver are hidden and covered just in case, most of them have not entered the circulation field, the more troubled the times, the more so, and now the great disasters are continuous, there are Dongyu buckle borders, and there are Gansu and Shaanxi people flowing through the Central Plains inside, which is a sign that the troubled times will arise.

Zhu Daolin deduced that the ten million taels of silver in the fortified treasury of Bofu Qian Zhuang were less than five percent of the existing gold and silver stock within 300 miles of Jinling!

Zhu Daolin even maliciously imagined that the Yellow River burst on the sixth day of the sixth month of June and submerged dozens of counties in four prefectures, as well as tens of millions of taels of gold and silver in countless family cellars, corners, and jars, most of which may have been buried for a long time by collapsed houses and sediment brought by the flood.

At present, more than a dozen counties in southern Henan, Huaibei and Luxi, which are still rioting and quelling rebellions, have at least 5 million taels of gold and silver that have been burned by war, looted and scattered and buried! (To be continued......)