The 276th Crisis of the Charter

Fang Xiaoyu's opening words made Xiahou Feng gloomy for a while, but when he heard a hint of loosening in Fang Xiaoyu's tone behind him, Xiahou Feng's heart ignited hope again, he raised his head and asked eagerly, "Unless what?" What's the solution? ”

Fang Xiaoyu said: "Unless Marshal Xiahou directly applies for a loan from the Bank of China." ”

Xiahou Feng was surprised: "Isn't the Bank of China your property, what else can you apply for, as long as you agree to it, you can take out a loan?" ”

Fang Xiaoyu shook his head and said: "Although this Bank of China is my industry, the banking industry is very creditworthy, if we do not go through the review and lend to the outside world at will, it is likely to cause bad debts that cannot be recovered and the capital chain is broken." If that happens, my bank will fail, so I have to follow the bank's rules, and I can't do anything about that. ”

Xiahou Feng didn't understand the economy, and they didn't understand a word about bad debts and broken capital chains, but he understood the collapse of the last one, so he could only nod and agree with Fang Xiaoyu's suggestion.

Fang Xiaoyu just helped Xiahou Feng to apply for a loan, and it was naturally Zhao Qingyun's responsibility to negotiate specifically, and Xiahou Feng wanted to use the land of the East China Sea counties as collateral to apply for a huge loan from Zhao Qingyun.

After analyzing the situation at home and abroad, Zhao Qingyun said that the current domestic situation is turbulent, and the strength of the Xiahou family is too weak, and it is easy to be swallowed up by the other three, in order to ensure that the bank's funds are not lost, he will not lend.

Xiahou Feng was extremely disappointed in this, and finally under Fang Xiaoyu's kind words and persuasion, Zhao Qingyun reluctantly agreed to use the three counties as collateral to give Xiahou's family a loan of 3 billion yuan, with an interest rate of 5%, and a deadline of two years to repay.

After receiving this money, Xiahou Feng's heart was very uncomfortable, when did the powerful Xiahou family, the royal family of the Lanfang Empire, need to mortgage land in exchange for funds, this is really feng shui in turn. After obtaining the funds, Marshal Xiahou Feng decided to leave immediately, Fang Xiaoyu knew that the three counties of the East China Sea were waiting for the money, and he did not keep it too much, but sent him to Baishan City all the time.

"Marshal, you may not understand, but it is only by relying on system and discipline that our Chinese consortium can develop into its current scale. If I break the rules, my consortium may collapse in an instant, so even I am no exception, and I hope Marshal Xiahou can understand. Fang Xiaoyu explained to Marshal Xiahou Feng in a serious voice.

Marshal Xiahou Feng nodded and said: "I understand this, if our Xiahou clan was able to formulate such a system at the beginning of the founding of the country, I believe that we can be strong forever, but unfortunately our country has too many situations where the emperor's personal will is transferred." ”

Fang Xiaoyu took a check from Elena behind him and sent it to Xiahou Feng and said, "Marshal Xiahou, thank you for taking care of me over the years, I don't have anything to give you." This check for 100 million Chinese dollars is my personal property, so I will give it to you for emergency work, and you can exchange it for cash at the Zhonghua Bank in the counties of the East China Sea. ”

Holding this check, Xiahou Feng burst into tears: "Xiaoyu, I really don't know how to thank you." ”

Fang Xiaoyu sighed, signaling that Xiahou Feng didn't have to be like this, he secretly thought in his heart, if it weren't for me, maybe the Lanfang Empire wouldn't collapse so quickly, even if I compensate you for your concern for me over the years.

Fang Xiaoyu sent Xiahou Feng away, but he didn't know that Zhao Qingyun was drinking with Huadongxing and Tobul, and while drinking, he showed off his loan to his two good friends.

Hua Dongxing said: "I said Qingyun, you have done this thing a little unauthentically, and you actually kept the young master in the dark, if you let the young master know that you will not pick your skin." ”

Zhao Qingyun said with a smile: "I used three billion Chinese yuan to buy the three rich coastal counties of the Lanfang Empire, and the young master didn't have time to reward me, so how could he pick my skin." ”

Tobul laughed, "If someone repays the loan, aren't you happy?" ”

Zhao Qingyun said with a smile: "I have done an in-depth investigation of the Xiahou family, and now they have to raise a huge naval fleet, build a new army to protect themselves, and restore the economy, and they can't even repay the loan interest within five years." Even if they have a private collection and can afford to repay the loan, my money is not so easy to borrow. Do you know how much interest they have to pay back? ”

Seeing the two of them staring at him, Zhao Qingyun smiled slightly and said: "I gave him 5% interest, but the contract is written with monthly interest instead of annual interest, do you know the difference?" ”

Huadong Xing understood a little, but he didn't say it, but looked at Zhao Qingyun with a smile. Thobul didn't understand at all, he hurriedly urged Zhao Qingyun to quickly talk about the gap.

Zhao Qingyun said with a smile: "The monthly interest rate of 5% means that 5% of the loan will be repaid every month as interest, that is, 150 million Chinese yuan, if they don't repay it that month, the interest will roll into the principal, and the interest next month will become 157.5 billion Chinese yuan, so the interest will be rolled over, and they will pay nearly 10 billion Chinese yuan after two years, do you say we have earned it?" ”

Only then did Tobul suddenly come to his senses, he pointed at Zhao Qingyun and smiled: "I only know now, you are the biggest bastard and liar in the Chinese collar." ”

Zhao Qingyun calmly took a sip of wine and said, "I'm glad to be able to get such a high evaluation from you." ”

Thoble said: "Be careful if you have economic dealings with you in the future, otherwise you will be sold." ”

As soon as Tobul's words came out, all three of them laughed. All three were so drunk that day that they had to be carried home by the guards. According to Zhao Qingyun's family later, Zhao Qingyun went crazy that night and kept shouting: "I earned it." ”

Sometimes they sing loudly, 'It's cheap.' Afterwards, Zhao Qingyun was nicknamed the 'Wolf King on a Moonlit Night' by his friends to make fun of his singing like a wolf howling that caused the nearby dogs to be restless.

Due to the shortage of funds for the Cheng family, the Cheng family army began to loot people's wealth to supplement military expenses wherever they went, which made the people in the occupied areas complain, and there were many riots in many places where the garrison was weak.

The scale of the rebellion is getting bigger and bigger in the activities of smashing the rich and giving relief to the poor, and many poor people who cannot survive have joined the ranks of the riot, and the entire area controlled by the Cheng family has shown signs of instability.

In order to suppress the growing number of riots, the Cheng family had to stop after occupying Hudong and Chuandong counties, and the Cheng family began to use the slaves on their plantations to train a garrison, hoping to use them to suppress the rebellion.

The use of these slaves was also a last resort, and Cheng Yuhuan did not dare to trust these slaves too much, for fear that there would also be a riot among them, so Cheng Yuhuan only equipped these slaves with cold weapons and old-fashioned arquebuses.

The inferior equipment made the slave garrisons not much different from the weapons used by the rioters, and the morale of these slaves was not high, so the slave garrisons could only barely maintain local law and order, and were unable to suppress the riots.

Cheng Yuhuan underestimated the changes in the situation in advance, as a military layman, he only felt that as long as the army was large, he could win, so after training millions of people's troops, he began to secretly send people to assassinate the emperor and the crown prince.

Cheng Yuhuan was too naïve, his plan was repeatedly frustrated from the beginning, first failed to keep Xia Jun and Xiahou Feng in the capital, and let them lead the remnants to flee back to their respective territories, but they believed in Xiahou Huan too much, and as a result, they were not only driven out of the capital by Fang Xiaoyu in a daze, but also caused Xiahou Huan to lose his life.

Since being expelled from the capital, Cheng Yuhuan has never heard of good things, the wealth he scavenged with all his might in the capital was served by Fang Xiaoyu, but the black pot was detained on him, and then the Lanfang coins became waste paper, which not only made him lose a lot, but also caused his Huitong Money Bank to completely close down, and now it has caused a riot because of the looting of people's wealth.

Cheng Yuhuan also knew very well that he should not be too cruel to the people in the area under his control, but the lack of funds made Cheng Yuhuan have to do this, and using slaves to suppress the riot was just drinking to quench his thirst. As a large number of slaves were transferred into the army to maintain law and order, the Cheng family began to run short of manpower in the major plantations in the south, and he did not know how much grain he could harvest in the next harvest season.

Thinking of the grain, Cheng Yuhuan gritted his teeth, and he didn't know what luck Fang Xiaoyu had got, he actually let him get such a high-yield grain, and what was even more annoying was that the grain they grew could not be cultivated again, and they had to re-cultivate the seeds.

Cheng Yuhuan, who was already worried about internal and external troubles, knew that he had to make a decision as soon as possible, if he delayed it like this, he didn't need to do it with the Zhonghua Ling and the Xia family, and he could drag himself to death just by dragging it out, and now he was a little desperate because of the incident of Lan Fang coin, which caused no one to support the Cheng family in the world.

Different from Cheng Yuhuan's embarrassment, the Xia family and the Wang family avoided the catastrophe of Lan Fangyuan due to Fang Xiaoyu's help, and their assets did not suffer any loss, and with abundant funds, they naturally did not need to plunder, and wherever they went, they settled down and did not have any impact on the local area except for replacing all the officials with their own people, so they could control the rear with very few troops, and free up a large number of troops to continue to advance.

Because the establishment time of the Wang family is shorter than that of the Fang family, the financial resources are naturally insufficient, although there are some savings after cooperating with Fang Xiaoyu for a few years, but the family foundation is not thick enough after all, and after swallowing the western Sichuan County, it is a little lacking.