The twelfth year of Chongzhen has arrived.

Nanjing and Huaibei and other places are very calm, but the capital is not calm, because of the poor luck, the capital has appeared a shortage of grain, of course, this lack of grain is relative, merchants will transport a large amount of grain to the north and the capital, as long as the people have silver in their hands, they can still buy grain, which makes many merchants earn a lot of silver, the palace in helpless circumstances, also bought a part of the grain, to maintain normal operation.

The vast majority of the business are businessmen in the south, and the grain business can be done so well, they know that this is all the credit of Zheng Xunrui, the secretary of the Nanjing Military Department, although Zheng Xunrui left Huai'an and no longer served as the governor of Caoyun, but the Grand Canal is still under the control of Zheng Xunrui, and all the merchant ships must do things according to the requirements of Hongmen, otherwise it is unlikely to participate in the transportation of grain, and the merchant ships and Cao ships directly controlled by Hongmen will not transport you at all.

Closer to the month of Wax, it was the most prosperous time of the year, when a large amount of grain and other commodities were shipped to the north, which allowed Hongmen to collect more protection fees, and the protection fees of the income have slowly extended to all places in Nanzhili, and all those who need to rely on the Grand Canal to transport goods must pay protection fees.

There are also some businessmen who do not believe in evil, transport goods by land, but many people have encountered the situation of both people and money, the original Henan, Huguang and other places of the rogues are more and more arrogant, has continued to Shandong and other places, from the land transport of goods, basically by them targeted, in this case, businessmen do not dare to take any more risks, all are honest to pay protection fees, from the canal to transport goods.

At the end of winter, the Grand Canal in the north slowly froze, and some goods did not have time to be delivered. He could only go by land, and Shang Jia continued to pay protection fees to Hongmen, but he didn't expect that after paying the protection fees, Shang Jia was able to smoothly enter Beizhili from Shandong without being robbed by rogues and bandits.

Of course, these businessmen pay protection fees. But not only to do business between the south and the north, but to do business in the south of Zhili, you also need to pay protection fees according to the amount of the transaction, if someone is unwilling, they will soon be given up by Hongmen, and there will be no guarantee for doing business in the future.

Wang Duo, the secretary of the household department in Nanjing, once found Zheng Xunrui, the secretary of the military department, because of this matter, but this conversation was inconclusive. No one knows what was specifically discussed, but since then, Wang Duo has never mentioned this matter again.

Although Hongmen has shown its might, it is Hongmen Qianzhuang that has received more attention.

Hongmen Qianzhuang exerted even more power.

The headquarters of Hongmen Qianzhuang was relocated to Nanjing for only three months, and almost all the transactions in the Nanjing market were based on Hongmen Qianzhuang's ticket amount. Tickets as large as one hundred taels and as small as a penny. There is almost no trade in gold, silver and money, whether it is scholars, merchants, or ordinary people, they all feel the convenience of Hongmen Qian Zhuang's ticket.

Some people are also worried about whether the value of the ticket of Hongmen Qian Zhuang will depreciate, and the ticket amount of one hundred taels of silver can only be exchanged for more than ninety taels of silver. Therefore, some people once went to Hongmen Money Village to try, but every time the money village would cash out the same amount of silver, not a penny less, and it was a very good quality pattern silver.

Slowly, the common people began to believe in Hongmen Qianzhuang. They are willing to use the ticket amount of Hongmen Qianzhuang to prevent them from having little money in their hands, even if they suffer a loss, it is not a big deal.

As for the merchants, they have gone through a process of change, because the transportation is not smooth, there are many business opportunities, a large number of merchants in the purchase of grain and other goods, transported to the north to trade, in the process of acquisition, some merchants still carry gold and silver, but this is a great delay in time, people need to see the fineness of the silver, but also carefully weighed, to see if there is a shortage, sometimes a lot of broken silver, on the contrary, a lot of merchants use the ticket stub of Hongmen Money, which clearly states how much gold and silver, This way the transaction speed is much faster.

When business is good, time is silver, and any businessman understands the truth.

After a few delays, those who have not yet used the ticket stubs of Hongmen Qianzhuang will deposit all the gold and silver in Hongmen Qianzhuang to receive the ticket stubs and amounts, and many businessmen find that when they pay protection fees to Hongmen, they hand over the ticket stubs or tickets of Hongmen Qianzhuang, and the other party will be very happy, handing over the gold and silver, and maybe they will suffer cold eyes.

Some of the stubborn are scholars, but they are not exempt from vulgarity, in Nanjing, and even in Suzhou and Yangzhou and other places, the circulation is the ticket stub and ticket amount of Hongmen Qianzhuang, they can not not touch, and when buying things, people hand over the ticket amount, and the transaction is very fast, they also need to carefully weigh the broken silver, or the number of pennies and pennies, it is indeed annoying, and it is not convenient to go out to carry gold and silver.

Although these scholars were not coerced, they still unconsciously accepted the ticket stubs and ticket amounts of Hongmen Qianzhuang, and if they needed to get these things, they naturally needed to deposit gold and silver into Hongmen Qianzhuang.

On the fifth day of the lunar month, Nanzhi Street, Zheng Xunrui's mansion.

Wen Manshan, Bian Yujing, Dongmei and others with a tired face, looked at Zheng Xunrui, they didn't expect that the expansion of Hongmen Qianzhuang was too fast, according to the rules of Hongmen Qianzhuang, a one-time deposit of five thousand taels of silver, you can receive ticket stubs, these ticket stubs are written by Bian Yujing, Wen Manshan signed on them, and at the same time they designed a special mark, so this matter, no one can do it for them, but this practice makes them very busy, and the large amount of gold and silver deposited in the entire Nanzhili needs to be written out. It's better to say that the place is close, and the place is farther away, which delays time.

From the establishment of Hongmen Qianzhuang to the present, in just about half a year, the total value of gold and silver deposited in various parts of Nanzhili has exceeded 200 million taels of silver, this huge number has shocked Wen Manshan and others for several days.

"Husband, there are too many things in Hongmen Qianzhuang, and there are not enough people, and there are a lot of things in the headquarters in Nanjing, and there are people who come to deposit and withdraw silver every day, and the slave family and the two sisters are too busy."

"Hehe, I've already said it, from the twentieth day of the first month to the fifteenth day of the first month, Hongmen Qianzhuang can be closed for a period of time."

"That's not good, it's when the business of the money bank is good, how can it be closed, and the money bank has just established a reputation, if it is closed at this time, I don't know how many people will panic."

Zheng Xunrui smiled, Wen Manshan and the others finally understood the importance of Qian Zhuang, and they also got a preliminary glimpse of the business experience.

Hongmen money bank's lending business, in Huaibei four provinces and three states, Nanjing, Suzhou and Songjiang and other places, carried out very well, because of the poor luck, resulting in a boom in business in the north and south, a large number of merchants, it is impossible to prepare so much gold and silver, so to Hongmen money to borrow silver has become the first, nothing more than to take out the title deed and house deed as a mortgage, the business is done, after coming back, after returning the silver, you can smoothly get back the title deed and house deed, some businessmen feel that this is troublesome, simply extend the time to borrow silver, It is nothing more than to give Hongmen Money Bank some more interest rates, and the time saved can be used to do more business.

This made Hongmen Qianzhuang's business boom.

Under such circumstances, Wen Manshan and the others naturally would not ask to close down.

"Okay, I know what you think, there are many people in the Zheng family's women's barracks who are still good, you go directly to the red lady, you can choose as many people as you need, if you have enough manpower, you will be much easier, so it's always okay."

If there is something to do, people will be enriched a lot, which is reflected very well in Wen Manshan and others, as the big shopkeeper of Hongmen Money, Wen Manshan can be said to be a man of his word, and the matter of Hongmen Money, she said it.

Half a year has passed, Wen Manshan and the others' temperament has changed greatly, the weak aura is less, and the capable aura slowly appears, and when they speak in front of Zheng Xunrui, these breaths will also be unconsciously reflected.

After Zheng Xunrui finished speaking, Bian Yujing spoke.

"Husband, can we really go to the barracks and choose people?"

"I mean, I know your worries, if you let a woman stand on the counter, I'm afraid you will encounter a lot of criticism, these things should be done by men, but you have done a good job in Qianzhuang, this has proved that women can also do well, so you don't have to worry about anything."

When Zheng Xunrui said these words, Wen Manshan's eyes were a little foggy.

"The husband said this, the slave family would not believe it before, and when they went to the money village to do things, they really believed it, if it wasn't for the husband's decision, the slave family would not have touched these things, and the slave family and the two sisters would definitely take care of the money village."

Zheng Xunrui's face also became serious.

"The scale of Hongmen Qianzhuang will get bigger and bigger, how to manage it in the future, what rules need to be changed, you all have to think, just rely on the three of you to control everything, this is impossible, you must slowly cultivate people, cultivate people you can trust, let them help you to manage Qianzhuang, Qianzhuang is only in Nanzhili, you are busy like this, if he is spread out in all parts of the Ming Dynasty, you just don't eat or sleep, and it is impossible to take care of it."

Wen Manshan, Dongmei and Bian Yujing did not speak, nodded in agreement, according to the development speed of Hongmen Qianzhuang, even if it is completely spread in all parts of Nanzhili, it is impossible for them to be busy, he has spread to all parts of Daming, they can't manage it well, or Zheng Xunrui is right, they must cultivate people they trust to manage Qianzhuang together.

"There are more and more things in the bank, you have to slowly get rid of the specific things, start to consider the long-term development of the bank, continue to explore the defects in the system, and constantly improve the system, so that the money can develop in the long run, I see that the twenty-fourth day of the month to the seventh day of the first month, during this time the money can be closed, of course, the specific time, you grasp." (To be continued......)