The tricks of Zhou Jinzhen and others can not be described as unintelligent. No pop-up window updates quickly // But here's the problem: there has always been more than one smart person in China, and every smart person wears Metersbonwe - doesn't like to go off the beaten path.

The rubber stock boom broke out in early July, followed by the collapse of the bank; At the beginning of the month, the government's bailout began to bear fruit. It's September.

September is a harvest season, and every year at this time, the Qing Dynasty will send money to all kinds of strongmen to buy roads, which is called "Gengzi indemnity". This money was apportioned by the imperial court to the provinces, and it was the turn of Kaidotou, and the amount was 1.9 million taels. Originally, the sea was not short of this money, but Cai Naihuang took all the silver to save the city and deposited it in the accounts of Yuan Fengrun and Yishanyuan, where is there any money in the treasury?

Cai Naihuang didn't want to be a bird, and when he saw the will of the imperial court, his first thought was to quickly take out the official silver from the silver account and deport it to the bank designated by the imperial court. So he hurriedly sent someone to invite Yan Zijun and Ding Weifan, and after some nonsense, he finally finished the song: "At this time of year, the imperial court has to pay part of the Gengzi indemnity to Western countries, and this year it is required to release 1.9 million taels of official silver within a time limit. However, all the 3 million taels of official silver in the government were deposited in the two bankhouses a few months ago to maintain market stability. Since the court now has other wills, Cai can only obey the order. The purpose of inviting you to this time is to make you prepare as soon as possible, so as not to miss the national event. ”

Yan Zijun and Ding Weifan glanced at each other before they said respectfully: "Lord Cai, Haiqian Zhuang has been weakened after a heavy blow; The owners of maritime industry and commerce are also frightened birds and cannot withstand any wind and grass. For the sake of today, it is better to continue to calm down, so as not to waste the previous efforts. As for the money required by the imperial court, it is better for the lord to request 1.9 million taels from the Daqing Bank to advance this amount first. ”

"No, no!" Cai Naihuang shook his head again and again, "Previously, we had already borrowed 3.5 million taels from banks in various countries, and if we transferred another 1.9 million taels to Daqing Bank, the amount is so amazing, do you think the guilds of the DPRK and China will agree?" Now that the sea market has gradually stabilized, 1.9 million taels have been withdrawn from more than 6 million taels, which is less than one-third of the total, and will not affect the overall situation. ”

Yan Zijun said: "My lord, as long as you don't withdraw money from our money bank this time, we are willing to give you half of the silver!" ”

One and a half, that is 300,000 taels, besides, how could the imperial court agree to borrow a huge amount of money again and again?

Thinking of this, Cai Naihuang said: "Two, I think you should go back and prepare the silver!" ”

Seeing that he couldn't shirk it, Ding Weifan had to grit his teeth and tell the truth: "My lord, it's not that we don't want to take it, but we really can't take it!" ”

Cai Naihuang suddenly snapped the case: "What? What did you say? The loan from banks in various countries alone amounted to 3.5 million taels, and the deposit of this government with you also has 3 million taels, which is less than a month, how can it not even be squeezed out of 1.9 million taels? ”

Ding Weifan smiled bitterly: "Your Excellency, you also know that although the total amount is 6.5 million taels, as soon as you come out of the bank, every adult under you will have to pay a lot of filial piety." Whoever handles it, take the oil from it. When it really arrives in our hands, it will be 5 million taels and nodding. Our two families were divided again, and each family was only two or three million taels. In this stock market crash, each of our two families lost more than 2 million taels, and the money was just used to repay, reverse accounts, close positions, and cope with the run. How can there be any money left over to pay Gengzi's indemnity now? ”

Cai Naihuang was furious: "It's really unreasonable! When you borrow money, isn't it clearly stipulated that the money can only be seen and not eaten? How can you be careless and misappropriate your money? ”

Yan Zijun sneered on the side: "Everyone is dying of hunger, who can care so much?" ”

Cai Naihuang sat back in his chair and began to sprinkle: "What do you do, I don't care, anyway, I will see 1.9 million taels of silver in three days!" If you don't see it, hum, don't blame me Cai for turning his face ruthlessly! ”

Seeing Cai Naihuang playing tricks, Yan Zijun simply tore his face: "My lord, to tell the truth, if we draw out 1 million taels of silver today, we will have to close our doors tomorrow!" In case Yuan Fengrun can't survive, maybe some news that is not conducive to adults will reach the ears of others, and at that time, I am afraid that neither you nor I will be able to fall behind? ”

Listening to Yan Zijun's threat, Cai Naihuang's face was pale, and he gasped for breath.

Ding Weifan came forward to play the red face at this time, and persuaded in harmony: "As the saying goes, the son of a daughter can't sit down. My lord, you are Su Song Taidao, a dignified four-grade master, why bother with us, the merchants who abandon their roots and wait for the next generation? Besides, as long as you ask the imperial court to let the Daqing Bank advance this amount first, our money bank will escape the catastrophe, and you will also fall into the benefits, and everyone will benefit from each other, and we will be in harmony, wouldn't it be better? ”

Under the combination of soft and hard by Ding Weifan and Yan Zijun, Cai Naihuang had no choice but to hand over the fold to the Military Aircraft Department, and asked the imperial court to let the Daqing Bank pay 1.9 million taels of Gengzi compensation in advance in view of the fact that the sea market was still not relaxed.

People are mixed in society, how can there be few enemies? Cai Naihuang is no exception. There are not many enemies in him, but they are all in a critical position: one is Chen Bangrui, the left waiter of the Du branch, who happens to be in charge of Gengzi's compensation; The other is Cheng Dequan, the governor of Jiangsu, who happens to be Cai Naihuang's direct division. The governor and the governor have always been at odds with each other, Cai Naihuang and Zhang Renjun, the governor of Liangjiang, got close, and Cheng Dequan naturally didn't have a good face for him.

It is also unfortunate to say that part of the truth about Cai Naihuang's loan was actually known by these two people. At the instigation of Chen Bangrui, Cheng De's court impeached Cai Naihuang for two crimes:

First, the use of public affairs for personal gain. Cai Naihuang handled the loan, in the name of maintaining market stability, but in fact, he used the market panic as an excuse to intimidate the imperial court, so as to achieve the purpose of lending money to various money banks and profiting from it;

Second, cunning. Cai Naihuang deposited more than 6 million taels of silver in Yuanfengrun and Yishanyuan before and after, and more than a month has passed since the incident, how can he not even get the 1.9 million taels of Gengzi compensation? They also wanted the Daqing Bank to advance payment, which was obviously disregarding the overall situation, making the compensation unable to be paid smoothly and damaging the intimate feelings between the Daqing Dynasty and the states.

Cai Naihuang is a close confidant of Yuan Shikai, and the regent and others have long had a lot of opinions about him, but now seeing that he has harmed the interests of the country so much, he was immediately furious, and immediately ordered him to be dismissed, and ordered him to settle the money within two months; If the payment is overdue, it will be strictly involved.

How is it possible to settle the money handled? Even if Yuan Fengrun and Yishanyuan didn't spend this money, not to mention the hundreds of thousands of taels that Cai Naihuang profited from, Guangguang Zhidu Branch Shang Shilang, the Governor of Liangjiang, and down to the Governor of Haixian County and the County Cheng, they took out nearly one million taels from it, can this money still be returned?

Seeing that he was dismissed, Cai Naihuang also panicked.

In the Qing Dynasty, "dismissal" was also true or false. If someone at the head is willing to protect you, and the attitude of admitting guilt is relatively good, most of them will thunder and rain a little, and "dismissal" will become "wearing the crime and making meritorious service to see the after-effects", "demoting the three levels to retain", and "punishing you for one year", and you will soon be able to turn into a regular person. If the head has the intention to you, this "dismissal" is really played, and you will obediently roll up the cover roll and go home to coax the child! Since the fall of Yuan Shikai, Cai Naihuang is a widow who has no one to sleep on, and if he wants to avoid dismissal, he can only try his best to remedy it.

At that moment, he hurriedly sent someone to invite Yan Zijun and Ding Weifan again, and after meeting, he didn't talk nonsense, and directly handed them the edict sent by the Military Aircraft Department, and there was already a little pleading in his tone: "Two, Cai Mou borrowed money for you, and now he is a mud bodhisattva crossing the river, and it is difficult to protect himself." For today's plan, the only way to do this is to ask the two of them to raise 1.9 million taels of official silver in advance to pay for Geng, and Cai will try his best to dredge it, whether there is still room for maneuver. ”

After reading the edict, Yan Zijun and Ding Weifan also looked earthy: no one expected the imperial court to be so resolute!

Yan Zijun had a bitter face: "Lord Cai, we really can't draw this silver!" If you can pull it out, why bother you? ”

"The old man has been dismissed, but he is just a grass man, not Lord Cai." Cai Naihuang's face was not good-looking, "The so-called broken family is worth ten thousand, you have dozens of branches in the country, can't you even squeeze out one hundred thousand taels of silver?" Now we should work together, if we don't get through the hurdle in front of us, it won't be a matter of 1 million taels! ”

Ding Weifan said: "My lord, since the matter has come to this, we have no side talk, only try our best to raise funds." However, one million taels is not a small amount, so please call the Military Aircraft Department again to explain the reason why you cannot withdraw money in order to maintain the sea situation. First, it is hoped that the lords of the DPRK and China will have insight into the crisis of the sea, and hope that a miracle will appear; Moreover, even if the court does not agree, there can be some time for us to raise funds. ”

"Then you have to hurry up!" Cai Naihuang knew that they really couldn't squeeze any oil, so he had to follow Ding Weifan's advice. Then he threatened: "Don't play any tricks! In case there is a bad pool, Cai will be dismissed and return to his hometown, and he can also be a rich man with dough dumplings; As for you, I'm afraid life won't be easy? The proprietors of Zhengyuan, Zhaokang, and Qianyu are your lessons from the past! ”

Cai Naihuang had to resist once, and called the Military Aircraft Department again, trying his best to exaggerate the harm of withdrawing money from the bank. In addition to severely reprimanding him, the Military Aircraft Department once again ordered him to complete the delivery within two months.

The road of death is not the way of death, the road of poverty! Cai Naihuang had no choice but to ask for official money from Yuan Fengrun and Yishanyuan, and withdrew more than 2 million taels in one fell swoop at the end of September.

The reason why Yuanfengrun and Yishanyuan dominate the country is that they have the support of the Kaidao official bank and do not need to rely on foreign banks to borrow money. About six-tenths of the official silver of the sea is stored in the source of abundance, and four-tenths is stored in the source of righteousness and goodness. With this withdrawal, Ma Rang's two money banks were short of funds and could no longer turn around normally.

Soon, foreign banks suddenly announced that they would refuse to accept the banker's bills from 21 bankers. The next day, Yuanfengrun announced that it was closed for liquidation, and owed more than 2,000 taels of public and private funds. Its 17 branches in Beijing, Tianjin, Guangzhou and other places were also closed at the same time. As for Yishanyuan, Li Jingchu, the major shareholder, borrowed 270,000 taels from the Bank of Communications with the property as collateral, and urgently transferred funds from branches across the country to make up for the deficit after the transfer of official funds, and finally temporarily preserved Yishanyuan.

After its fall, in addition to causing the collapse of a large number of banks, all parts of the country were affected. The financial crisis also spread from the sea to the whole country. It was the second wave of the rubber stock boom.

As for Cai Naihuang, as early as the second time he received the telegram from the Military Aircraft Department, he made two preparations, and when he saw that the sea situation was erosive, he didn't care about working or being an official, and he rolled up the huge amount of money he had saved over the years, and soon fled.

In all fairness, Cai Naihuang advocated borrowing money to save the market, mainly because of the request of the Haige Money Bank, and he could also get a lot of benefits from it. But objectively speaking, Cai Naihuang's first bailout did temporarily save Hai's financial market, and the second bailout was also in line with the actual needs at that time. But his corruption left an excuse for his political opponents to attack, which eventually led to failure.

As for Chen Bangrui and Cheng Dequan, how should future generations evaluate their merits and demerits in this financial crisis? Objectively, their impeachment led to the failure of the bailout, triggering a nationwide financial crisis; However, in addition to defeating political opponents, their original intention is also counterproductive, can it be said that they are simply to blame?

The rights and wrongs of history are mostly like this, there is no absolute correctness, there is no absolute error, it is just that everyone does something from the perspective that is most beneficial to themselves!