The maritime merchants present looked at each other, and everyone could see that Mrs. Chen's attitude was very irresolute, and they all had their own ghosts, guessing what Mrs. Chen's politeness meant.

Since the army is not dispatched, it will not be polite, and most likely it will be shipped first.

Everyone agreed with Shangguan Hong's suggestion, and a very shaky alliance agreement was reached.

The next day, Daxing raised the selling price as promised, and all the merchants were the same, but the Koreans were not in a hurry at all, the batch of goods they bought two months ago was still a little unsold, and now there were so many goods piled up at the dock, they felt that the price alliance of the Central Plains people could not bear it for long.

Therefore, the price is restored, at the same time, the sales volume is gone, it has become a situation with a price and no market, all the maritime merchants are anxious and stranded in Busan, some merchants who have not borrowed money because they do not have much pressure, and even leave the dock with their concubines to travel around Goryeo, they even made up their minds that even if others dump, they will never blindly follow, so in any case, it will be a protracted war, and there is no point in staying at the dock.

But this kind of people are only a very small minority, most of them began to go in and out of the Qinglou wine shop in Goryeo, some people bought drunk, and some people got drunk tonight and today, and lived happily day by day.

In less than half a month, the news was transmitted back to the capital, and the capital was in an uproar.

Because many creditors were not at ease, they sent people to follow them, and although they were naturally far away in Goryeo, the news could not be hidden.

The Fan family reacted the fastest, and Fan Yongdou immediately summoned the treasurers of the money bank in the whole capital.

"Starting today, check the accounts of all Haimao customers and ask them to repay the loan in advance!"

Fan Yongdou was a little panicked, after all, more than two million taels is not a small amount, if this money is lost, it will have a great impact on the operation of the Fan family's money bank.

The housekeeper Fan Fu was full of surprise and said, "Master, they have only borrowed it for more than a month, will it be unruly to do so, will they say that we are not trustworthy?" ”

Fan Yongdou sneered and said, "Rules? Lao Tzu's money, Lao Tzu is the rule, while they have no other creditors to come to the door, let's go first, at least we can get some houses, and land back! ”

This is a chaotic era of private ownership, who tells you what rules, even in later generations, banks will not be the same will assess the repayment status of enterprises, and will immediately ask for early repayment when problems are found, this is the financial credibility advocated by some people, finance is the most discredited thing in the world, for money, backtracking is nothing.

Fan Yongdou was ashamed and angry, originally the last time the maritime merchants took away tens of millions of taels of silver at one time, the flow of funds in the Fan family money bank was very tight, and he didn't lend much these days, but now this incident happened again, which is really worse.

The news that the Fan family began to force debts quickly spread in the capital, and other private borrowers immediately heard the news, and everyone had the same idea, they could still leave some assets in the early pursuit, and there would be nothing left in the back, so it was a big deal that you cut off his head.

All of a sudden, the whole capital was full of rumors, and a large number of people gathered everywhere, and many former rich and noble people left women's wails at the door of their homes.

Temple Street, General Sadotu's Palace.

A whole team of Manchu soldiers protected the general's palace, and there were as many as 100 people.

However, the crowd gathered around, at least more than a thousand, and the creditors were red-eyed, even the Manchu soldiers were not afraid.

Because there were also many Manchu magnates among them, the leader was Murong Xue, the butler of the general Sony, who lent Shangguan Hong 50,000 taels of silver.

The generals guarding the gate did not dare to underestimate him, and had already hurried to report.

Sadotu was not at home, and was still leading the troops at this time, and his eldest lady was so surprised that her jaw dropped when she heard the soldier's report.

"Our general's mansion doesn't owe them silver, it's all Shangguan Hong, a dog minion, who is the ghost, what does it matter to us?"

The young general hurriedly said: "The servants also told them, but they didn't listen, they said that Shangguan Hong was the steward of our general's mansion, and his behavior must have been instructed by us, and we must be responsible for his debts!" ”

Madame was furious, stood up, and said, "Nonsense! You escort the whole family of Shangguan Hong's dog slave out and hand them over, and tell them that there is a debtor who is wronged, and whoever owes the debt will pay it, if you are not convinced, go to the regent to reason, don't make trouble in front of our general's mansion again, what kind of system is this? ”

The young general hurriedly did so, but he pressed out the whole family of five Shangguan Hong, Murong Xue still didn't buy it, Murong Xue knew in his heart that Shangguan Hong was just a housekeeper, and he couldn't get any money out of him, so he had to find a way to do it from General Sadotu's mansion.

This incident quickly alarmed Dorgon, after all, it was the capital, and it had not been such a mess for a long time.

Soon, a team of hundreds of imperial guards was sent over, dispersed the crowd, and brought Murong Xue and Lady Sadotu to Dolgon.

Still in the upper study, Dolgon met with the two of them.

Both sides insisted on their own words, and both said it quite reasonably, and Dolgon was confused, what a messy loan it was.

"Wait, what do you mean, your housekeeper Shangguan Hong used the name of your general's mansion to borrow silver from so many people outside to do sea trade in Goryeo, and now there is a problem in Goryeo's sea trade, and the creditors are worried that he will not have money, so they all come to you to ask for debts, is this what you mean?"

Dorgon asked the woman.

The woman hurriedly said: "That's true, the regent wants to make the decision for the little girl, if they hadn't come to the door this time, the little woman wouldn't have known about it at all, if you don't believe it, you can ask him, does the IOU in his hand have the signatures of our husband and wife?" ”

Dolgon's eyes were cold, he looked at Murong Xue, and said, "Don't talk about this yet, you tell this king how much silver Shangguan Hong has borrowed!" ”

Murong Xue was stunned for a moment, thought for a while, and said: "He borrowed 50,000 taels from me alone, and the others are estimated to be no less than 500,000 taels, and he also recruited a group of people to help him borrow money. ”

Dolgon gasped, a small butler of the General's Mansion actually borrowed as much as 500,000 taels, which can be regarded as a big case in the entire Qing Dynasty.

"This king is very puzzled, how can he borrow so much money!"

Dolgon's words were crucial, which showed his wisdom.

Murong Xue hurriedly said: "What the regent doesn't know is that the Fan family's money village is borrowing money from private individuals in the entire capital, and Shangguan Hong is how he easily cheated so much money. ”

At this time, he no longer said to borrow, but directly lied.

After all, there are only ten stores in Daxing Bank, and the largest business of private lending is still the Fan family, and he lent money to Shangguan Hong through the Fan family's bank.

Dolgon inquired in detail about the operation of the Fan family's money bank, and faintly felt that this routine was familiar.

In the end, I didn't know what to do, so I had to call the capital mansion Yin.

"Arrest all the left-behind family members such as Shangguan Hongyi and others, and pay the two silver taels to all creditors in proportion to the time being, and also, you creditors, don't make trouble, don't harass General Sadotu's mansion anymore, this matter has nothing to do with them!"

Murong Xue's face was full of helplessness, he also knew that it might have nothing to do with the Sadotu family, he was just holding a fluke mentality, and it was more about showing his master, after all, he had lost so much money and needed to give his master an explanation.

Now that the regent has spoken, he naturally doesn't dare to make any more trouble, so he goes back in disgrace.

After the two left, Dolgon hurriedly summoned the eunuch and said, "Spread Fan Yongdou to come to see this king!" ”

Jingcheng Mansion Yin asked: "Regent, do you want to send someone to Goryeo to arrest Shangguanhong and others?" ”

Dolgon thought for a moment, waved his hand, and said: "You don't need to arrest them, you send someone to pass on the word to them, their homes have been raided, and their families have been imprisoned, tell them to find a way to raise money as soon as possible, and when they get the money, the king will release them, if they can't raise it, they don't have to come back, just be a pirate in Goryeo!" ”

Dolgon understands that the money they borrowed is not used for eating, drinking, prostituting and gambling, but doing business properly, and there must be profits and losses in business, and losing money is not a big crime of cutting off heads.

Yin of the capital government went as promised.

Soon, Fan Yongdou was summoned, and Dolgon showed him Shangguan Hong's case, and he was also full of surprise.

The more I look at this list of people who owe money, the more I sweat profusely, because there are many people in it who are doglegs found by Shangguan Hong, and they borrow silver from their own money in various names, and they don't know that they borrowed silver to do sea trade for Shangguan Hong.

In this way, I am afraid that the sea trade customers lent by Fanjia Qianzhuang are far more than two million taels of silver!

"Why, do you see something?"

Dolgon looked at his words and immediately felt that something was wrong.

Fan Yongdou was so frightened that he hurriedly knelt on the ground, his face was pale, and said, "Regent, help, this time the slave Fan family is in trouble!" ”

He is not stupid, the cash withdrawn by Haimao before was as high as 10 million, and now that this incident has happened, the Fan family is afraid that it will be a big disaster.

Dorgon frowned and asked, "What is the specific situation, let's hear about it!" ”

So, Fan Yongdou trayed out the cause and effect of the incident.

Dolgon was a little confused, after all, he was not very good at the business of the bank.

"Regent, this is Daxing's conspiracy, Yang Xin planned to yin our eight emperor merchants from the beginning, and the slave has already sent a fine work to put it next to Yang Xin, and the same is true of the news from the fine work."

Fan Yongdou said hatefully, he took every precaution, but he didn't expect Yang Xin's killing move to be here, this time Shangguan Hong's case is so sensational, it will soon spread throughout the city, and the reputation of Fan's money village will be greatly affected, maybe some people will worry about the outflow of Fan's money, and run to Fan's money village to run on silver tickets, so it will be a big deal.

It took Dolgon an hour to listen to Fan Yongdou's business experience, but he didn't understand how Yang Xin targeted the Fan family.

"According to what you said, Daxing also shipped a large number of goods to Goryeo, and they also lost money, will Yang Xin do this because his mind is overheated and his investment fails?"

Dolgon's judgment is the same as Shangguan Hong's judgment, Yang Xin's business operations from beginning to end revolve around sea trade, and there is no sign of targeting anyone.

Fan Yongdou was dumbfounded, and said: "Regent, the news sent by the minions to send back the fine work, clearly tell the minions that Yang Xin's purpose is to destroy our Fan family!" ”

Dolgon's brows furrowed, and he said, "Even so, all the things he uses are normal business operations, how do you tell this king to ask him for his guilt?" ”

Dolgon was scheming, so he naturally wouldn't be impulsive, so he went to war with Daxing.

Fan Yongdou was dumbfounded again, he had never seen such a sinister enemy, he calculated himself, there was not the slightest flaw, he thought about it, and said: "The biggest problem now is not Yang Xin, the slave feels that as long as Shangguan Hong's case spreads tomorrow, the slave's money will be in danger, and the regent must save the slave once." ”

Dolgon frowned even more, and said: "Shangguan Hong's case involves all the Manchu magnates, even if this king wants to block the news, it is absolutely impossible, and it will not seal the mansions of these Manchu generals, right?" What's more, your money bank is now facing a credibility crisis, and this king can't help it, if this king has the ability to maintain the reputation of your Fan family's money bank, this king's own money bank will not be open without money! ”

Fan Yongdou wanted to cry, and asked again: "Can the regent use the money from the treasury to relieve the siege of the Fan family's money village?" As long as you survive the next run storm, you will be safe. ”

Dolgon spent time in the study, thought twice, and said: "You better go back and check first, how much silver did you put out in the sea trade customers this time, many people borrowed silver from your Fan family money village in other names and then turned around to do sea trade, now the treasury is less than 20 million taels of silver, and you have to deal with the expenses of the two lines of the army, you have to tell this king first, how big is your cave Long, this king can decide whether to use the treasury!" ”

Fan Yongdou was helpless, the help that Dolgon could give him was extremely limited, otherwise he would not have had to rely on the Eight Great Emperor Merchants so much, he himself had that ability, and he hadn't run the money bank earlier?

And these bad debts are quite difficult to check, such as Shangguan Hong, who asked the shopkeeper Lu to borrow silver from Fan's money village for himself, on the grounds that it was used for his own grain shop operation, but in fact, the silver was used by Shangguan Hong to do sea trade, the relationship between the two is private, and the money village has no way to check, and unlike later generations, through the banking system, the accounts can be found in the final consumer bank.

If it weren't for Shangguan Hong's escape, Fan Yongdou would still be kept in the dark, and there are dozens of Shangguan Hong's subordinates like Lu Shopkeeper, each with another identity on the surface, how can this be checked!

Fan Yongdou came back with a heavy heart, and immediately mobilized in an all-round way, sending people to check the accounts, and urgently transferring money from all over the country to Beijing, and even began to sell houses and land to cope with the next turmoil.

He really regretted taking the lead in collecting debts at this time, mainly because he didn't know that there were so many Shangguan Hongs and the like, and the volume of various complex private loans surrounding the sea trade far exceeded Fan Yongdou's expectations.

This time it can be regarded as shooting himself in the foot, Fan Yongdou felt a crisis that he had never experienced before, and even the entire Fan Mansion revealed a dangerous smell.

Here, after Fan Yongdou left, Dolgon thought hard for nearly an hour, and finally said to the eunuch on the side: "Pass on the king's order, send a messenger to Laiyang, summon Yang Xin to come to the capital, and tell him that he has done his own shit, come and wipe his buttocks, otherwise this king will order a complete ban on the new business he invented!" Also, let him take his handmaid Fan Siqi with him! ”

The eunuch hurriedly complied with his promise.

Dolgon was deeply frightened by the fact that this business of money making money and private loans to each other was very easy to detach from the operation of the bank, and even the accounts were not clear, and in the event of an accident, it was impossible to check the accounts or know the source, and it was difficult to manage.

Here, Sadotu's wife returned home, and while rejoicing at the regent for his wisdom, she also quickly thought in her heart that this damn Shangguan Hong not only borrowed a lot of private silver through the Fan family's bank, but also launched dozens of doglegs to borrow money from major banks, among them, the Fan family is no less than 300,000 taels, these silver are afraid that they will be wasted, and the Fan family money village is afraid that it will lose a lot this time.

And this is just just a Shangguan Hong, the scale of this sea trade is so huge, Fan Family Qianzhuang doesn't know how much silver is involved, will there be business problems at that time?

Thinking of this, his heart suddenly tightened, and he hurriedly ran to General Aobai's mansion and found Aobai's mother.

"Old lady, do you think there will be an accident in the Fan family money village this time, the little coffin left in our hands can't have another accident, why don't we exchange all the silver tickets back to silver early tomorrow morning?"

This time, the sea trade and their families handed over a total of nearly 500,000 taels to Shangguan Hong, and most of this silver was going to be lost, and now everyone is suffering heavy losses.

Aobai's mother was startled, and hurriedly said: "Mention, bring it all up, tomorrow we will call all our relatives and friends to go to Qianzhuang to withdraw the silver, this Fan Yongdou is too unreliable, he actually lent Shangguan Hong so much silver, I think this time their Fan family is also in a catastrophe!" ”

Both of them were frightened by the failure of this investment, and now no one dares to believe that it is safer to keep the silver in vain at home.

The next day, the capital government Yin began to handle the case of Shangguan Hong, arrested more than 300 people including the relevant people, dozens of households, the whole capital was shaken, there were many discussions, many people began to go to the major money houses to withdraw silver, Fan family money village bear the brunt, 50 Fan family money houses in the capital, the door has begun to appear queue up to take the silver.

The rumors are getting more and more fierce, and even many unsuspecting people have joined in, although they don't have much money in their hands, but they are all life savings, and everyone is afraid that the Fan family will fall and their money will be lost.

After all, there was no state back in that era, and as soon as the money bank fell, you could only consider yourself unlucky with the silver ticket, and no one would give you any money.

Even Daxing Qianzhuang was also affected, and there were uninformed people who came to withdraw silver, but fortunately, there were not many people in Daxing Qianzhuang in the capital, and most of them were maritime merchants and related people, and they were almost unaffected.