On August 3, 1912, after half a month of Phoenix trip, Wang Zhenyu, who had gained a lot, returned to Hongjiang, where he was stationed.

Chief of Staff Yang Wangui, who was in charge of daily affairs at home, came out to greet him with a large number of people, Wang Zhenyu didn't like such a big show, and said a few words to Yang Wangui. This can make Yang Wangui wronged to death, since Song Xianfu and Hao Bing were transferred to serve in the security forces, Yang Wangui has become very cautious, he doesn't want to be alienated by Wang Zhenyu when the whole situation is in a big situation. There was no arrangement to greet him this time, but the gentry heard that the town guard had returned, and they came spontaneously. Of course, the purpose is not simple, the formation of the town guard embassy has not yet begun, and the officials of many departments have not been appointed, and everyone hopes to work for Wang Zhenyu, so as to occupy a place in the future political pattern.

Although he was wronged, Yang Wangui still reported honestly: "My lord, your father-in-law Ye Zuwen arrived in Hongjiang yesterday and came with dozens of people, and there are some foreigners in it. The little one asked, there are Belgians, Germans, and Lu, and I have arranged their accommodation and food. ”

Father-in-law is here, ah, it seems that this investment promotion has been done with eyebrows, Wang Zhenyu suddenly came to the spirit, he suddenly said politely to Yang Wangui: "Old Yang, don't call me an adult in the future, you are different from others, you have been by my side from the beginning, and you should be commensurate with brothers." ”

Yang Wangui was immediately moved, and Wang Zhenyu told Song Haomin to invite his father-in-law and others to his study......

Back in the study, Wang Zhenyu looked at the documents and requests that had been backlogged for half a month, some of which were not very important, and Yang Wangui and Ma Xicheng had already given instructions on their behalf. Here you are:

The funds for the construction of the military academy involve the construction of the campus and the recruitment of teachers;

The recruitment of military cadets Jihua, the first batch of recruitment of Wan Yaohuang Jihua is mainly aimed at the six provinces of Sichuan, Hunan, Hubei, Guangxi, Yunnan and Guizhou;

The county governments have generally begun to implement the plan of one county, one primary school and one middle school, and the plan for setting up a girls' middle school in the prefecture and city, which has been approved and allocated by the county councils, and the town guard government will also allocate a huge amount of 2 million yuan every year to ensure the development of free education; Jihua and so on, which are preparing to build a health school here in Anjiang.

These Wang Zhenyu glanced at ten lines, took a cursory look, and threw them aside. picked up another piece of material, and the title deeply attracted him, "Jingzhou Model Town Construction Report". The author of the report is Chen Shao, the person in charge of the Jingzhou commercial town construction pilot.

Wang Zhenyu took the tea handed over by Zhu Cihan, took a sip, and looked at it seriously.

This model commercial town is the Kenshankou in Jingzhou, which is in the same place as the cement factory. Relying on policy support and funds, Chen Shao successfully built a primary school (grades 1 to 3), a health center, and a police station in the town. At the same time, some cement was approved from the cement plant that had already begun to be partially put into operation, and a relatively large free trade market was built to meet the daily necessities of nearby residents. The shops in the town were also planned and managed in a unified manner, and the town chamber of commerce was established at the same time. Preparations have recently begun for the transfer of the management of the town to the president of the Chamber of Commerce.

Wang Zhenyu nodded with satisfaction, he didn't plan to build a beautiful and prosperous commercial town, what he wanted was just a transit point and a radiation point to change the phenomenon that the county had not been able to go down for thousands of years.

At the same time, through the commercial towns, they strengthened their control over the local area, brought the village shili into the scope of management, and at the same time increased the professional cost of the bandits, of course, in the end, it was necessary to promote the prosperity of the trade routes.

Before he had time to think too deeply, Song Haomin came in and said, "General, Ye Weng, they are here." ”

Wang Zhenyu nodded, although he became a town guard, Wang Zhenyu didn't want others to call him an adult, he had publicly ordered the people around him to call themselves generals. Anyway, at present, in the whole of Xiangxi, except for Tian Yingzhao, he is such a general.

"Wenzheng, you are getting more and more powerful, I have only been gone for less than a month, and you actually took down the eight counties of Jishou." Ye Zuwen began to praise his son-in-law when he entered the door, obviously saying it to his friends behind him.

Wang Zhenyu watched several foreigners of different heights walk in, and he was also a little curious, not because he had never seen foreigners, but because he was curious about what method his father-in-law used to abduct these foreigners to such a poor and remote place in Xiangxi.

Ye Zuwen was not in a hurry, and began to introduce these people who followed him to his son-in-law one by one.

He first pointed to a small, but shrewd-looking foreigner: "This is Mr. Frankie, the commercial representative of the Belgian Bank Guohuabi." ”

Wang Zhenyu shook hands with the smiling Mr. Frankie very generously.

Ye Zuwen pointed to a tall foreigner who somewhat met the standards of later generations of Northern Europeans: "This is Mr. Hans, the manager of the German Imperial Lihe Foreign Company Hankow Company." ”

Zuihou is a medium-sized foreigner who is said to be Felix, the consul of the State of Luxembourg in Hankou and the commercial charge d'affaires of Albed Steel & Equipment.

Wang Zhenyu was dizzy, Luxembourg is worthy of being a pocket country, and one person can have multiple identities.

As for the next three Chinese, they are very promising, these are the three experts recommended by Wang Zhenyu's eldest brother Liu Hongsheng who are said to understand finance very well.

Chen Huizu, whose name is Guangfu, 31 years old, from Zhenjiang, Jiangsu, entered the Business School of the University of Pennsylvania in the United States, and returned to China after graduating in 1909. He showed his talent in the Nanyang Industry Association, and was appointed as the general manager of the Bank of Jiangsu by Cheng De, the governor of Jiangsu. Since his reform proposals could not be realized, he resigned resolutely. is currently unemployed at home, but Wang Zhenyu knows this person, after all, he is the founder of Shanghai Commercial Bank, and China Morgan, who led the Jiangsu-Zhejiang consortium together with Boss Yu in the twenties and thirties. I didn't expect to give up my privileged life in Shanghai and run to Xiangxi, a place where birds don't, what means did Liu Hongsheng, the sworn brother, use.

With Chen Guangfu, the predator, in front.

The appearance of Zhang Jiajiao, Zhang Gongquan and Song Hanzhang in the back is nothing surprising, Wang Zhenyu is even a little suspicious, the three cadres of the Jiangsu and Zhejiang consortium who have influenced the political trend of the Republic of China have come to him, can the Jiangsu and Zhejiang consortium develop into a behemoth like the future generations?

These three are indeed sincere in their efforts, and the process is not as complicated as Wang Zhenyu thought. At the earliest, Ye Zuwen had plans to open a bank, but was vetoed by Wang Zhenyu, and Wang Zhenyu's Jihua was the first to set up a shipping company. But Liu Hongsheng has begun to pay attention to this talent for Ye Zuwen, don't look at the three in front of him who are well-known in the financial industry of the Republic of China, but they are not yet a role in the late Qing Dynasty and the early Republic of China. Chen Guangfu, who is a little famous, has been an unemployed vagrant since he resigned from Cheng Dequan, squatting at home to eat his old book, but fortunately, his family background is still quite strong, and he can't eat it all for a while; Zhang Gongquan and Song Hanzhang were still small clerks in the Imperial Bank of the Qing Dynasty, and because of the change of regime, the people who admired them in history had not yet taken the position; The three of them all knew Liu Hongsheng, and after Liu Hongsheng received Ye Zuwen's letter on the introduction of the large-scale development of Xiangxi, he added fuel and vinegar to boast about the value of the large-scale development of Xiangxi. Moreover, he promised the three of them shares for his third brother, and this promise finally made the three ambitious young bankers choose to give up the fierce competition in Shanghai and make up their minds to break into Xiangxi.

However, Wang Zhenyu needs to wait for these things later, because the old man Ye Zuwen has already explained to Wang Zhenyu that there will be three foreigners here.

History has come to August 1912, and the army under the name of Nanjing Left-behind Mansion has basically been dismantled, but Yuan Shikai's big loan for the aftermath has not been successfully completed because of the foreigner's lion's big mouth and the continuous increase in conditions. In the eyes of many people in later generations, it is incomprehensible, Yuan Shikai doesn't know how to borrow it, weishenme has to borrow these five?

If it weren't for Yuan Shikai's kickbacks, he had to borrow money from a group of banks from five countries (the United States had withdrawn), but the group of banks from five countries was shameless and shameless enough. And the root of their shamelessness and shamelessness comes from the support of their own legations in China, what is this support? Haha, that is, if you Yuan Shikai don't ask for a loan from the banks of the five countries, then you will not recognize your government as the legitimate government of China. It's ridiculous no, history is so real. In the eyes of future generations, if you don't admit it, you won't admit it, and who is rare for you to admit it. At that time, the Chinese people were really rare, at least Yuan Shikai had to be rare. Because these damn foreign devils don't recognize the legitimacy of your government for a day, then you won't get a penny for the two major taxes of the central government (note, not China) at that time, the salt tax and the customs duty.

What about weishenme? This is the evil result of the Empress Dowager Xi's very brave declaration of war on the eight powers, after the defeat of Xin Chou. This core of leadership, who is known as China's greatest leader, shouted the slogan of measuring China's material resources and building the hearts of all countries.

As a result, the first paragraph of the "Xinchou Treaty" was written in black and white: The Qing government paid 450 million taels of silver to various countries (a total of 11 countries), to be repaid in 39 years, with an annual interest rate of 4%, and the principal and interest totaled 982,238,150 taels (98,238,150 taels), which were guaranteed by customs duties, regular customs duties, and salt taxes.

The actual operation of this guarantee is that although these taxes are still yours, they are collected by the foreign adults on your behalf.

At the end, on the financial settlement day, you repay the money of the foreign lord, and the foreign lord will give you the money......

Well, now the Qing Dynasty is gone. This year's seventy or eighty million taxes are all in the hands of Lord Yang, and Lord Yang also said publicly, I don't pay the bill, the question is, which of you has the qualifications to settle this money with me.

This qualification also costs money to buy, and the aftermath of the big loan is nominally Yuan Shikai to borrow money, but in reality? It was the foreigners who forced Yuan Shikai to borrow money, this is the real history, absolutely shameless and unprecedented.

From today's point of view, there is a very funny relationship in this aftermath loan.

First, Yuan Shikai can't get taxes, so he has no money.

Second, the foreigners demanded that Yuan Shikai accept unequal terms and borrow money from him.

Third, Yuan Shikai was reluctant to borrow this loan that was forced to shoehorn into himself, after all, he was not a worker and peasant cadre who graduated from primary school, and he still had basic common sense.

Fourth, if the foreigner says that if you don't borrow, I won't give you taxes.

Fifth, Yuan Shikai can't get his taxes, and he still has no money.

Historically, the aftermath of the big loan was negotiated in 1913, and the result of Zuihou's negotiation is very harsh in any era: the total amount of the loan is 25 million pounds (250 million silver dollars), the annual interest rate is 5%, the term is 47 years, the bond is sold at a 9% discount, and the net income is 21 million pounds after deducting 6% commission. The purpose of the loan was earmarked, and after deducting the repayment of the Gengzi indemnity and various foreign debts due to the province, the dismissal of the provincial armies, and the offset of government administrative expenses, only 7.6 million pounds remained, and the repayment of principal and interest when due amounted to 67.89 million pounds. The borrowings are secured by China's salt tax, customs duties and central government taxes designated by the four provinces of Zhili, Shandong, Henan and Jiangsu.

At the same time, there are a bunch of special clauses: in the future, it is not allowed to borrow from other countries without the permission of the banking syndicate; Foreigners participate in the collection of salt tax, and Chinese and foreign auditors are set up in the audit office, and all receipts for loans must be reviewed by Chinese and foreign auditors together, and can only be withdrawn after signing; The Chinese government has set up a salt administration in Beijing, which is headed by one member of the General Office of China and one member of the Office of the Association of Foreigners. Each salt-producing area has an audit branch, with a Chinese manager and a foreigner assistant, who are jointly responsible for the collection and storage of salt revenue: the appointment and dismissal of personnel shall be decided by the Huayang General Office and the General Office; After the salt in the salt area is taxed, it can only be released after being signed by the manager and associate of Huayang; The salt proceeds shall be deposited in the designated bank, and shall not be withdrawn without the voucher signed by the general office and the conference office.

Such conditions go beyond the scope of normal commercial loans and are nothing more than a new unequal defeat treaty.

In fact, Yuan Shikai is not a fool, and he doesn't want to be a traitor. Seeing these terms, he was confused, so he chose to secretly borrow money from other companies, including Warby Bank.

It is said that Xiong Xiling, the then chief financial officer, came up with a solution to the problem, isn't it because you have no money that your old Yuan Weishenme wants to get taxes? If you have money, are you still in a hurry to get this tax? Don't be in a hurry to ask for this tax, do you still care whether the powers admit it or not?

That's right, so Lao Yuan immediately asked Xiong Xiling to go to Warby Bank to talk about a loan.