Old children, little children, Tang Yi and Yang Bo, one is not old, the other is not young, but they all play with children's tempers and fight each other. Whoever opens their mouths first to beg the other party will admit that they need the other party's help more, and they will fall into disadvantage. Unable to sit still, Tang Yi simply came to the storm and ate all the side dishes on the table, not even the soup left.

Yang Bo is not a vegetarian, he drank a pot of wine, and then the two of them held the teacup, staring at each other until the second half of the night, their eyes were red, like rabbits, and they refused to bow their heads.

At this time, suddenly the pipa sounded, and someone slowly turned his voice and began to sing.

"In a few wars, don't judge the success or failure of the hero. Outside the storm and storm in his life, he is in the universe of a hundred flags. It is difficult for manpower to return to the destiny of heaven, and tears are reflected in the sky. And don't ask about the autumn wind and night moon Wujiang is cold, the most pitiful, the beautiful Yu Ji of the brocade account is stained with blood, and it hurts Chu Chongtong! ”

Farewell concubine!

Tang Yi and Yang Bo were meaningful, glanced at each other, and suddenly laughed loudly, laughing so much that tears came out. The Han army is besieged on all sides, and both of them are in the encirclement, half a catty against eight taels, what else is there to fight!

Yang Bo was an old-timer in the end, stretched out his big hand and patted Tang Yi on the shoulder.

"If you have a pink confidant, you can have no regrets in your life."

Tang Yi hurriedly waved his hand, "Senior, the late-born mind is not as open-minded as everyone in Liuying, I am really ashamed to the extreme." ”

"Isn't it the same old man!" Yang Bo smiled with emotion, "Okay, to tell you the truth, the old man begs you." ”

"Where do the old-timers come from, the late-born generation requires the seniors to be."

Yang Bo said generously: "Let's not talk about asking for each other, work together to tide over the difficulties!" ”

"That's right, in the same boat, we are all a family!"

Soon the two of them are like old friends for many years, that hot energy, it is really enviable, if you don't know, you think that the father and son who have been separated for many years!

Two foxes, one large and one small, sat down again after being polite.

Putting aside the tricks, I finally went straight to the point.

Tang Yi's difficulties are very clear, the first is to keep his small group and be able to survive the Jingcha danger safely, as for the second, it is necessary for Jin Shang to release some space and allow him to carry out some reforms at Xuanda.

"Okay, Jingcha's matter, I tried my best to offend Xu Huating, but I can help you, but I can't help them all, at most seventy percent of them will pass, but don't worry, even if it is degraded, I will leave a sense of proportion and ensure that they have a chance to make a comeback."

Tang Yi is quite satisfied, the biggest advantage of his people is that they are young, they are mixed in officialdom, and there are a few who have not made mistakes, as long as they are not eliminated, they will have a chance to turn over.

"In that case, I'm thankful to the old-timers."

"Well, as for the second article, over the years, Xuanda has indeed had some black sheep, they are greedy and incompetent, afraid of the enemy like a tiger, and even kill good and risky merits, drink the blood of soldiers, eat empty salaries, these scum in the army, just let it go, and the old man will never interfere."

The implication is that you are not allowed to move those people in the mall.

Tang Yi thought about it for a moment and nodded, after all, he didn't have the strength to make a drastic move and completely change blood. It's just that what surprised him was how Yang Bo could agree so happily.

Coupled with the previous incidents, Tang Yi dared to say that Jin Shang was definitely in trouble, and it was not small. Otherwise, Yang Bo would not be in such a hurry.

Sure enough, after Yang Bo happily agreed, his face was embarrassed, "Okay, you should also help the old man." ”

"Yu Pogong, you just have to say, you're welcome."

"Alas, okay, in the past few years, the Bank of Communications, and recently Suncheon Bank, have been pushing interest-bearing deposits, do you know this?"

There is no need to hammer the drum, in a word, Tang Yi woke up like a dream, he finally knew what trouble Jin Shang had encountered.

At first glance, it is similar to that of later banks, but there is a fundamental difference, that is, when the bank and the ticket number accept deposits, they charge a custodian fee.

That is to say, if one hundred taels of silver are given to them, they may only get ninety-five taels when they withdraw them, and the less than five taels is the storage fee.

For some merchants who need to trade in large quantities, this cost is still very large, but because it is very dangerous to carry a large amount of gold and silver over long distances, they admit it.

However, with the development of the business of the transportation industry, the situation has changed a lot.

First of all, the industrial and commercial prosperity in the southeast, investing in workshops and workshops can obtain stable returns. The traffic bank also kept the interest rate down, so that many gentry and merchants rushed to take out loans.

In order to absorb more gold and silver, the Bank of Communications took the lead in introducing free custody of gold and silver. In other words, the gold and silver custody fee has been abolished.

You only need to deposit 100 taels in the traffic line, and where you go, as long as you have the semicolon of the traffic line, you can get 100 taels.

After its launch, it was very popular with merchants in the southeast, and the big guys were willing to put the silver into the traffic line, exchange it for a certificate of deposit, and when it was time to trade, it would be exchanged for silver.

Even both parties are customers of the transportation bank, as long as the account is modified, the transaction can be completed, no cash at all, free from the pain of exchange, and no need to worry about the quality of gold and silver, convenient finance quickly prospered the economy of the southeast.

With the commercial territory pushed to Jiangxi, Huguang, especially after the establishment of the Yangtze River Shipping Company, the sphere of influence of the transportation industry has greatly expanded.

The entire southeastern provinces are included in it, and to run such a large area, it is necessary to have a well-developed transportation network, build bridges and pave roads, and straighten out shipping routes, and these needs have emerged.

As we all know, the yamen of the Ming Dynasty is so poor that as long as it relies on the power of the people, the traffic line vigorously intervenes, due to the huge amount of the project, more funds are needed.

Once again, the Bank of Communications took the lead in coming up with a strategy of interest-bearing deposits, ranging from 1 percent to 5 percent.

With the industrial and commercial development in the southeast, a large number of urban middle classes have appeared, and they have some spare money in their hands, but they have no channels for investment.

Relying on the attraction of interest, from the 39th year of Jiajing to the 41st year of Jiajing, the amount of deposits of the Bank of Communications tripled, leaving its opponents far behind.

The Bank of Communications is advancing step by step in the southeast, while Suncheon Bank is a measure to benefit the people pushed by Tang Yi, as long as the deposit joins, you can get dividends and preferential loans.

In essence, it is also a set of concepts that interest on deposits.

There were signs in both the north and the south, and Tianjin's official silver number soon followed, and this trend quickly swept away.

The conservative Jin merchants finally felt threatened, and the businessmen who originally relied on the Jin merchants' ticket numbers began to switch to the Bank of Communications and Shuntian Bank.

In the face of the rapid loss of customers and the dwindle of funds, the Jinshang ticket number encountered an unprecedented survival crisis, and they had no choice but to follow up and start to pay interest.

It doesn't matter if this one is out, although the customer is back, but more and more money is taken out, and everyone's loss is greater.

They get together and study each other, why is the traffic bank paying interest, which is becoming more and more prosperous, and they pay interest, but they lose money?

Soon everyone found the crux of the problem, the traffic bank absorbs deposits, there are a lot of projects to invest, the worst, loans to shipyards, the construction of sea ships, southeast shipping developed, ships have not been built, someone bought them in advance. If the interest on the loan is higher than the interest on the deposit, you will make a profit!

When I arrived at the Jin merchants, the problem was troublesome, and the industry and commerce in the north were not as good as those in the south, especially in Shanxi and other places, where they were facing the problem of being able to answer to the Kou, and they did not dare to invest at all.

There is a lot of silver, but there is no way out, and then pay the interest to the depositors, which is simply worse, Rao is Jin Shang has a strong foundation, and he can't stand it. In less than three or five years, the strong family foundation of Jin Shang will be exhausted.

Finding a stable investment project and obtaining a good remuneration has become the most urgent task of Jin Shang, and even Yang Bo was shocked.

Tang Yi smiled secretly in his heart, "Yu Pogong, we are old friends, and it is incumbent on us to help you get out of trouble." ”

Sure enough, it's a little fox, and he understands it so quickly. Yang Bo smiled and said, "How can you help with Xingzhi's preparation?" ”

"It's very simple, lend the silver of the Jin merchant ticket number to the traffic bank, or buy shares, and you will share it according to the shares in the future!"

Burst!

Yang Bo took a mouthful of old blood and spurted out three feet.

I was so angry that I smoked, my hands and feet trembled, and I almost had a stroke.

Bastard, whether it's borrowing money or buying shares, didn't the ticket numbers of Jin Merchants fall into your hands? You little rabbit, eat dry and wipe clean without spitting out bones. Yang Bo raised his eyebrows, his beard was all at once, and he was about to have a seizure.

Tang Yi hurriedly said with a smile: "Yu Pogong, if you have a better idea, if you have a better idea, just say that you will definitely do it later." ”

"Really?" Yang Bo asked in a sullen voice.

"That's natural, I dare to lie to you!"

"What don't you dare!" Yang Bo secretly slandered himself, "Okay, remember a few years ago, you and the old man said that you wanted to develop wool spinning?" ”

"Oh!"

Tang Yi deliberately suddenly realized, and said with emotion: "Yu Pogong, you still remember!" I almost forgot in my later life, after so many years, do you have eyebrows? ”

Yang Bo really wanted to tear Tang Yi's annoying face, throw it under his feet, and trample it into a meatloaf.

If the old man has eyebrows, do you still need you!

The difficulties faced by developing an industry are simply unimaginable. What are the strengths of Jin Shang in the past? It's to manage relationships, get privileges, and make a fortune by drilling loopholes.

Basically, they are going around in the original circle, and they can proudly declare that we do not create wealth, we are just predators of wealth!

At present, he was forced by Tang Yi to become a grain merchant and had to open up new industries to make money. First of all, we must weave high-quality woollen wool, then we must open up the market, and we must also find raw materials......

The whole link, there is no way to start, looking at Yang Bo's embarrassed old face, Tang Yi suddenly felt that he had lost a lot, just asked for two conditions, no wonder Yang Bo agreed happily! It seems that even if he asks for twenty more, he can't refuse!

"Yu Pogong, let's do it, I will take care of the wool spinning matter, but the profit will be divided into sixty percent of my profits!" Tang Yi unceremoniously asked for the price. (To be continued.) )