Don't look at the Jin merchants who make any money, but they can stand for one or two hundred years without falling, and they have their own outstanding business scriptures. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

When Tang Yi was presiding over the city, he had prepared to build a lot of money bank ticket numbers and commercial bank workshops, all of which only bear limited liability, and the share capital is lost, and how much money is still in the shareholders' families, as long as it does not belong to the money village workshop, there is no need to take it out to compensate.

But Jin merchants don't see it that way, they think that people have stored their lives in your ticket number, that is, they value your reputation, and if something goes wrong, even if they smash the pot and sell iron, they must repay it. The style of the southeastern businessmen is completely to repay debts and deceive.

I have to say that the conditions of the Jin merchants are not good, but they rely on their own hard work and spend more than 100 years to grow into the leading merchant gang in the Ming Dynasty.

Speaking of which, although the strength of the southeast is above that of the Jin merchants, the merchants in the southeast belong to the Fujian merchants, Zhejiang merchants, Hui merchants, Su merchants, etc., and when taken out alone, even the strongest Dongting Mountain Gang is inferior to the Jin merchants.

Since Heshengyuan has been operating in the southeast, it has really dug up a lot of old customers of the transportation industry.

If, according to Shen Meijun, giving up Heshengyuan is equivalent to giving up two hundred years of persistence, giving up the foundation of Jin Shang's business, and giving up the responsibility of a businessman!

If you lose your reputation, even if you have more wealth, it is difficult to move an inch, on the contrary, as long as you keep the golden signboard, even if you lose nothing, you can make a comeback!

Zhang Yunxia, Wang Chongguan, the major shareholders, everyone got together and discussed for a long time, and Shen Meijun's suggestion was thrown out of the clouds by them.

"Ladies and gentlemen, to tell the truth, we may indeed have been calculated by the traffic line. However, the people of the world not only squeezed Heshengyuan, but they also did not feel comfortable in the traffic line, and most of the workshops and trading houses in the southeast were under the name of the traffic bank, and their losses were only greater than ours, not smaller than ours. People who do business are all profit-seeking, and between us and the traffic line, it is not necessarily your life and death. Zhang Yunxia said confidently: "I'll go to talk to Wu Tiancheng of the Shuntian Guanyin, and ask them to lend us a sum of silver, if the traffic line agrees, everything is easy to say, if they don't agree - we also have a way!" ”

Everyone unanimously agreed, and Zhang Yunxia immediately went to find Wu Tiancheng.

"It's really a big fool of Tianzi No. 1, it's obvious that the traffic is harming you, and you go to the enemy to ask for a prescription, it's really stupid, look at it, I promise to return empty-handed."

"I don't see it that way!" Zhong Jin held a bowl of tea soup and said with a smile while drinking: "I guess he will return with a full load." ”

"Impossible!" Shen Meijun exhaled angrily: "Do you understand finance? You're a wild girl! ”

Zhong Jinman smiled indifferently, "I don't understand, but I know that if people had the same IQ as you, they wouldn't be able to mix it up a long time ago." ”

"You, you're mad at me!"

Shen Meijun pounced frantically, Zhong Jin didn't even use his hands, continued to drink tea soup, and his two long legs were divided by two and Shen Meijun was subdued. She put the empty bowl on the table and clapped her hands, "You, you don't have enough brains, and you can't do it, so you really don't have any merit at all." It's done, remember to send the bowl to the street corner and hand it over to the old man who sells tea and soup. This girl is going to sleep! ”

"Eat and sleep, sleep and eat, you are a pig!"

Shen Meijun muttered in her heart, and she didn't bother to go out, so she asked the maid to send the bowl out. I didn't eat lunch at noon, and when I sat in the afternoon, Zhang Yunxia came back with a spring breeze on his face.

The negotiation was smoother than expected, Wu Tiancheng agreed, but the current traffic situation is not good, the crisis is everywhere, and the amount of more than 10,000 taels must be reported to the head office, how can you borrow money casually.

After discussion, Heshengyuan took out 50 workshops, 3,000 shops, plus 1 million acres of land in exchange for 5 million taels of silver.

This price is much cheaper than normal, only equivalent to 70% of the market price, and it seems that the traffic line has slaughtered the Jin merchants.

However, at the moment of crisis, cash is king, and many people are holding the field workshop, and they can't change it if they want to exchange it. Originally, Zhang Yunxia was ready to discount, or even lower, even if it was only 30%, he should sell it.

Unexpectedly, the traffic line actually gave seventy percent of the price.

No matter how much doubt there is, in front of real money, it looks a little pale. It seems that the traffic company really wants to help them, and this crisis is a complete accident......

"Master, so far, your old man is not in a hurry to have a showdown, what kind of Tai Chi is you playing with them!" Wu Tiancheng complained: "I have estimated that the accumulated silver exchanged by the Jin merchants is almost 50 million taels, and their cash silver will not exceed 80 million taels. We still have a lot of bank bills in our hands, as long as we throw them out, the Jin merchants will completely collapse, it's over, it's gone, and Daming's finance has fallen into our hands! ”

Wu Tiancheng's eyes lit up, as if he had smelled a wolf with the smell of blood, "Qianqiu Foundation, in this move, Master, you can't hesitate!" ”

Tang Yi patted him on the shoulder, "You're almost fifty, aren't you?" ”

Wu Tiancheng nodded, "It's still three years old." ”

"No wonder it's so naïve!" Tang Yi sneered: "You are easy to deal with when you are a Jin merchant?" ”

"What, what other killer features do they have?"

Tang Yi didn't say much, took out a secret report from his arms, and threw it in front of Wu Tiancheng, he hurriedly picked it up, looked at it carefully, and suddenly opened his mouth in shock, and he could stuff a goose egg into it.

"How could the Xie family and the Cheng family be so bold and dare to associate with Zhang Yunling in private?"

The Xie family and the Cheng family in Wu Tiancheng's mouth are big Hui merchants, second only to the Hu family in terms of status, with deep strength, inherited for several generations, and the two families have at least tens of millions of family backgrounds, which can influence the choice of Hui merchants.

Not long ago, Zhang Yunling did not go to the capital to sit in the town, but went to Huizhou to meet the old ladies of the Cheng family and the Xie family.

"How long has the traffic industry been on the rise, people may have known each other for a long time, and they still want to defeat the Jin merchants at once, and dream of it!"

Tang Yi was not polite to his apprentices, and now that he had the chance to win, he had to beat Wu Tiancheng and the others so that they wouldn't get carried away.

"Master, are you worried that the Hui Chamber of Commerce will fight back?"

Tang Yi shook his head, "You still haven't figured it out, this crisis is not caused by the Jin Merchants, and it will not be peaceful in the world because the Jin Merchants are eliminated." ”

Wu Tiancheng thought thoughtfully, "Master, then you always think, how can we solve the crisis?" ”

"Is this ...... It's not time, and it's useless to say it. Tang Yi said lightly: "The top priority is to find a way to shrink the strength, protect yourself, and ensure that the life of the traffic line is longer than that of Hesheng Yuan, today is very bad, tomorrow will be even worse, but - the day after tomorrow will be better, we will survive tomorrow night!" Tang Yi said.

Shen Meijun was wrong, very wrong.

From beginning to end, Tang Yi did not regard the Jin merchants as the main goal, on the contrary, he needed the Jin merchants to hold on, only if Heshengyuan did not fall, the traffic line hiding behind would not fall......

The biggest weakness of the Jin merchants is not that they lack financial resources, nor that they are not adequate, but that they have not experienced an economic crisis and can never predict what will happen next. The top brass stubbornly believed that as long as they had enough silver, they would be able to cope with the crisis, and they desperately borrowed and sold it, eager to turn everything into silver.

However, this kind of practice, just like Tang Yi's order to prohibit the storage of copper and silver, will essentially exacerbate the panic, and millions of taels of silver are not a small amount.

The cart carrying the silver needs to be reinforced, leaving deep ruts on the road, and the boat carrying the silver has a deeper draft than other ships, and the number of dart masters who protect the silver is several times greater......

All kinds of clues can't hide from the newspapers that have become more and more developed.

Soon a sensational headline was printed, "Jin merchants have sold their ancestral property, and they have exhausted their assets", "Jin merchants have insufficient bank deposits, and there may be a risk of default in bank bills in various places."

These reports are not a chase, but they are not without adding fuel to the fire.

The people, who were originally a little peaceful, suddenly gathered in front of the ticket number.

This time, the line was much longer than ever, and the people in front of the line even carried the blankets, preparing to fight for a long time, and they would not give up if they could not get the silver.

Zhang Yunling stood on top of a three-story teahouse, looking at the crowd, and her heart tightened. He didn't go to the capital, because he knew that the real crisis was in the southeast, and the traffic line was far from being as cooperative as it appeared, even if Tang Yi was unintentional, those people under him may not be unintentional.

In fact, many wealthy businessmen in the southeast have already participated in this war, and they have fallen into the ground, wantonly squeezed, fanned the flames, and spread rumors everywhere.

Don't be delusional, the old man is not so easy to admit defeat!

Zhang Yunling gritted his teeth, the new day's transaction began, the door of Heshengyuan was open, and hundreds of people poured in at once, and the shopkeeper shouted loudly, desperately trying to maintain order.

What is surprising is that today's exchange speed is very fast, dozens of boxes, full of filaments of official silver, the common people's bank notes and deposit receipts are not large, at most only two or three hundred taels of silver, and the few are only a dozen taels or twenty taels.

After redeeming it for a long time, the silver did not decrease much.

Seeing noon, a few people suddenly crowded in from outside.

"Silver, please." The young man greeted.

The man at the head shook his head, "I don't exchange money, I save money." ”

Saving?

That's right, after so many days, I'm the first to save money!

"Master Ke, do you want to save money?" The guy asked again.

Dahan didn't get tired of it, "I can't lie yet?" ”

"Don't dare, don't dare, please here!"

The place where the money was exchanged was crowded with people, but the window where the money was deposited was empty, and the gentleman in charge immediately came to greet him.

Dahan moved a box, which weighed more than a dozen catties, and the silver was of different colors and sizes, which was very troublesome to calculate, and needed to be weighed and converted, and Mr. Cabinet Room was busy.

Dahan muttered to himself and complained, "I exchanged two hundred taels of silver here a few days ago, and I said that it was not insured in the bank. I moved back home and stuffed under my bed. Who knows, thieves came that night and took away all the boxes of silver! ”

Yes!

The people around screamed, and the big man said slowly: "Lao Tzu is not a good stubble, my uncle turned out to be a person with a slot, he dared to steal my silver, and he didn't want to live!" ”

The big man took a sip, "I found my uncle, and in less than a day, I found the person." Damn, those two grandsons lost more than 100 taels in one day in the casino! Fortunately, my uncle had the ability to force their head to make up for it with silver, and finally got back two hundred taels. But the quality is much worse, and I have to invite the brothers to drink, and give the big guy a red envelope, two hundred taels of silver, and it would be good to have one hundred and fifty taels left! ”

As soon as he finished speaking, Mr. Cabinet said with a smile: "Master, what you said is true, a total of one hundred and fifty-three taels of silver, have you saved them?" ”

"Save it, store it in your insurance, you can still earn interest, take it home, it's only a few days of hard work, it's almost fifty taels, I regret it to death!"

Da Hanton thumped his chest, annoyed.

Hearing his words, everyone who came to run on the exchange was stunned.

Just like he said, taking the silver home is indeed risky, and Hesheng Yuan is so easy to redeem, it seems that people have a strong foundation, and the rumors on the market can't be trusted, such a big bank, can you still miss our bit of silver? Even if it comes out of people's fingers, it's more than ours!

Dahan left with the deposit receipt, and a few more people who saved money came one after another, and quietly, the crowd of people who ran on it was a lot less. The amount of silver that went out in the afternoon was only half that of the morning......

"It's finally steady!" Zhang Yunling secretly called luck, ran around for many days, was old and tired. He geared back to rest, and as soon as he turned around, someone ran to him and delivered a secret letter to Zhang Yunling.

He unfolded it casually, and when he looked at the content on it, the sky suddenly spun around, and he fell directly. (To be continued.) )