On the fifth day of June in the twelfth year of Chongzhen, Hongmen Qianzhuang was officially established.

There is no lively ceremony, there is no hype, Hongmen Qianzhuang was established silently, at different times, the scale of Hongmen Qianzhuang is very large, in the four prefectures and three prefectures of Huaibei, all have branches, and also set up offices in all the counties, and the headquarters of Qianzhuang is temporarily set up in Huai'an Fu.

The reason why it is low-key is Zheng Xunrui's request, but low-key is low-key, and it is not ambiguous to do things.

The soldiers of the Zheng family army stationed in Huaibei, all the officials of Huaibei Prefecture and County, and all the money in June were deposited in Hongmen Qianzhuang, and the amount of tickets issued to everyone was equivalent to the same amount of silver, and all the military salaries of Zheng Jiajun, as well as all the gold and silver in Zheng Xunrui's family, were all deposited in Qianzhuang.

Most of the officers of the Zheng family army also deposited all the silver into the Hongmen Money Village, and they completely believed in Zheng Xunrui, because the big treasurer of the money village was Wen Manshan, the second treasurer Bian Yujing, and the third treasurer Dongmei, these three people were not ordinary, and they could completely represent the governor and deposit the silver into the Hongmen Money Village, and there was nothing to worry about.

Tens of millions of silver were deposited into the bank, which gave Wen Manshan and others confidence in an instant.

Of course, the means are not only like this, just relying on the army and the government, it is difficult to expand the influence of Hongmen Qianzhuang.

Another decision made by Zheng Xunrui is that the ticket stub of Hongmen Qianzhuang can be circulated in the market, which is equivalent to the amount shown on the ticket, and all the procurement of the army and the government, no matter which aspect is involved, must use the ticket amount of Hongmen Qianzhuang, if it is a businessman who does business, and can't trust the ticket stub of Hongmen Qianzhuang, then don't think about doing business with the army and the government.

This is an extremely complicated matter, with absolute compulsion, and it should be said that there are many difficulties in implementing it. If the businessmen are united, they just don't believe in the ticket stub of Hongmen Qianzhuang, then Zheng Xunrui has to think of other ways.

However, this matter was implemented extremely smoothly, and the merchants and people of Huaibei fully believed in the ticket value of Hongmen Qianzhuang. And after some people receive the ticket amount, they take it to the money bank to exchange, without the slightest problem, how much is exchanged, or full of color silver, these silver is generally used by the government.

The soldiers of the Zheng family army got the tickets of Hongmen Qianzhuang, and they were not worried at all, they knew that they followed Zheng Xunrui. There is no problem, look at all the armies of the Ming Dynasty, the treatment of none of them can be compared with the Zheng family's army, and every time Zheng Xunrui emphasizes the thing, it is necessary to ensure the military salary of all soldiers.

Officials at all levels in Huaibei were a little more worried, and very few of them deposited the silver taels in their families into Hongmen Qianzhuang. After getting the ticket amount, I couldn't hide my worries. After all, the imperial court issued the Ming treasure banknotes, and as a result, because the imperial court caused a large number of treasure banknotes, the price of the treasure banknotes fell, and the common people and ordinary officials suffered significant losses.

Everything depends on the facts.

When Zheng Xunrui decided to establish Hongmen Qianzhuang. It has been clearly said that at the beginning of the establishment of the bank, the number of bills issued must be consistent with the deposited silver, and it is never allowed to print more bills. The amount of the Hongmen money bank, only temporarily replace the role of paper money, can be popular in the market, but the final issuance of paper and pencil must need to be controlled by the central government, this kind of local issuance of paper money, can never be implemented.

It is precisely because of this consideration that Zheng Xunrui is very low-key in the establishment of Hongmen Qianzhuang.

A month has passed, Huaibei scholars and businessmen, slowly began to accept Hongmen money village, they found that in fact, the gold and silver deposited into the money bank, get the same value of the ticket stub, a lot of convenience, the ticket stub is easy to collect, there is no need to worry about the family has too much gold and silver treasures, by others to remember, and Hongmen money village also specially opened a large amount of ticket stub, this ticket stub has the signature and seal of the big shopkeeper Wen Manshan, with this ticket stub, you can exchange it anywhere in Huaibei, As for the small denomination fixed ticket amount, it can be used anywhere in Huaibei.

What many businessmen did not expect is that as long as it is along the Grand Canal, the ticket amount of Hongmen Qianzhuang can be used completely, which is equivalent to the same gold and silver, which shows that businessmen who do business are much more convenient when traveling, as long as the ticket amount of Hongmen Qianzhuang is carefully collected and not lost, there will be no problem.

There is also a measure that makes many businessmen more assured, that is, large-denomination ticket stubs, especially those with Wen Manshan's signature and seal, even if they are stolen or lost by others, there is no need to worry about them, because when these ticket stubs are exchanged, the money bank will have a special person to review, in principle, you need to deposit gold and silver to withdraw it, otherwise the money bank can not be exchanged.

In this way, the safety of money is ensured to the greatest extent.

The amount of tickets in Hongmen Qianzhuang began to circulate in Huaibei, along the Grand Canal and in some places in Shaanxi and Fuzhou, especially in Huaibei, and the common people accepted the tickets of Hongmen Qianzhuang in a very short period of time, and although the number of tickets they held was not large, they were full of confidence in the governor's palace and the government.

The businessman's sense of smell is very keen, they soon found that the credibility of Hongmen Qianzhuang is very high, after all, there is the support of the Caoyun Governor's Mansion behind it, you must know that the money of the Zheng Jiajun soldiers is all deposited in Hongmen Qianzhuang, and the taxes of the government at all levels are also all deposited in Qianzhuang, including the protection fee collected by Hongmen, the gold and silver owned by Qianzhuang is already an astronomical amount, and there is no need to worry about the problem of payment, and some businessmen who are closely related to the government have already begun to use the ticket stub of Hongmen Qianzhuang. It is also much more convenient to trade in this way, you must know that in various places along the Grand Canal, the ticket stubs of Hongmen Money Village can really be traded, which can not leave a lot of expenses, after all, it is too risky to carry a large amount of gold and silver to do business.

The merchants were the first to make a move, depositing some of the gold and silver into the Hongmen Bank, and they rarely received fixed-denomination tickets, but mostly used ticket stubs signed by Wen Manshan, and traded with such ticket stubs.

After the Shangjia action, the effect was very good, so some of the scholars also began to act, and also deposited part of the gold and silver into the Hongmen bank.

Two months later, Hongmen Bank's lending business officially began.

Lending is carried out in the form of guarantees, and the interest rate for one hundred taels of silver is ten taels of silver for the whole year and one tael of silver per month, which means that the interest rate for short-term lending is higher than that for long-term.

Hongmen money village lending business, aroused the great interest of merchants, this is the peak period of grain purchase, the autumn harvest is all over, because of the unsmooth transportation, resulting in a large shortage of grain in the north, grain trading is very hot, many merchants do not have enough money in hand, can not buy a large amount of grain, are worried, everywhere to raise silver, I can't think of this time can go to Hongmen money to borrow silver, even if it is to pay a little interest rate is indifferent.

As a result, a large number of merchants began to gather in the bank, or to lend money as a mortgage of the title deed, or to lend money as a mortgage of real estate, of course, all they got were ticket stubs with Wen Manshan's signature.

At the end of September and the beginning of October, the first and second batch of merchants engaged in grain trading returned to Huai'an smoothly, and they earned a lot of silver, so they took the silver back to Hongmen Qianzhuang, took back the title deed and real estate deed, and after paying the interest rate, almost all earned a lot of silver.

The legend of money giving birth to money first spread from Hongmen Qianzhuang.

In just a few months, the amount of money deposited by Hongmen Money Bank increased several times, and the ticket stubs of Hongmen Money Village began to circulate in Zhejiang, Nanzhili, Shandong, Beizhili, and Shaanxi.

Hongmen Qianzhuang completely opened the way.

During this period, Wen Manshan also suggested that Hongmen Money Village has so much gold and silver, can it also participate in business and earn some silver, but Zheng Xunrui did not agree, he clearly told Wen Manshan and others that the main responsibility of Hongmen Money Village is to deposit loan business, don't think about mixing with other businesses, and Hongmen Money Bank's lending business, it is impossible for every transaction to be completely successful, doing such a thing, no one dares to guarantee complete success, for those lost silver, Hongmen Qianzhuang must be able to digest internally, and use the silver earned to offset the loss of silver, which is the real profit of Qianzhuang, Zheng Xunrui's explanation made Wen Manshan a little depressed, so the profit of Qianzhuang is not too small, and it is too cost-effective to help everyone keep gold and silver in vain.

Wen Manshan raised such a question, Zheng Xunrui was very happy, he knew very well that Wen Manshan, Bian Yujing, Dongmei and others had already drilled into it and began to be familiar with the business of Qianzhuang, which also laid a good foundation for the next development of Qianzhuang.

Zheng Xunrui began to slowly talk about the role that Qian Zhuang would eventually play, but all this could only be carried out after Qian Zhuang was completely stabilized and recognized by the people.

Wen Manshan and the others were surprised when they heard Zheng Xunrui's plan for the future of Qianzhuang, and at this time, they really understood why Zheng Xunrui forcibly launched Hongmen Qianzhuang despite the difficulties, and asked them to be directly responsible for all matters of Hongmen Qianzhuang.

Xu Wanghua and Zheng Jinhong and others were even more surprised, in just a few months, the rapid development of the bank, its ticket stub even spread to the capital, Hongmen money has become the most trusted money village of businessmen, its business volume has increased exponentially, the strength is enough to shake the Ming Dynasty, to say that all the gold and silver stored in Hongmen money village are taken out, ten imperial courts can not resist. (To be continued......)