Therefore, Yu Ren's trip can be said to be very smooth. From Zhejiang to Fujian, pirates of all sizes on islands of all sizes cheered. At the same time, they also sent representatives, and some of them went to Daqu Mountain with Yu Ren to meet the new alliance leader Xu Xinsu.

Seeing this, Xu Xinsu knew that his business in Zhejiang and Fujian could be opened. But in this way, the plate suddenly expanded several times, and the people at hand were really not enough.

At this time, Qu Jing came. He also brought more than 700 people with him. Most of these people were lucky enough to escape to the island of Taiwan when Li Ying was beaten into a water dog by officers and soldiers in the chicken coop, and then returned to Fujian. There are also a few people who Qu Jing wanted to come out with him when he returned to his hometown.

Qu Jing then brought them with him. Qu Jing knew very well that although the officers and soldiers had cleared the southeastern islands, the imperial court would never personally send people to do the business on the sea. Whether it is Xu Xinsu or Yu Ren, these businesses will have to be picked up sooner or later. And to do business, it is necessary to employ people.

Most of these people have been selling goods with Li Ying at sea for several years, and some have even followed the Li family for more than ten years.

Xu Xinsu was really overjoyed when he saw the group of people brought by Qu Jing, and at that time he assigned all these people to Qu Jing's personal management.

However, despite these 700 people, Xu Xinsu still felt that there was a shortage of manpower. So Xu Xinsu sent Liu Long to Ningbo Mansion to secretly recruit people while receiving goods.

Xu Xinsu only stayed in Daqushan for more than a month, then handed over all the things here to Yu Ren, and then returned to Nansha.

With the help of Liu Qiang, Qu Jing and other old members of the Li family, Yu Ren soon formed a caravan with nearly 100 large and small merchant ships. At the same time, in order to protect the caravan, Xu Xinsu sent five of the eight No. 2 fortune ships he got from Sun Sheng to Yu Ren.

In less than half a year, Yu Ren returned to Nansha Island with a boatload of 500,000 taels of silver, which was an answer sheet he handed over to Xu Xinsu. At the same time, Yu Ren took Liu Qiang away with him. Because he knew that Liu Qiang and Liu Long were born to deal with each other, he was afraid that the two would quarrel again after he left.

Xu Xinsu was obviously very satisfied with Yu Ren's answer. For Yu Ren, Xu Xinsu was not stingy, and took out 200,000 taels of silver to Yu Ren on the spot, and then took 100,000 taels to reward his subordinates.

Yu Ren got the 200,000 taels of silver, remembered that he hadn't been home for a long time, and he didn't know how his uncle's body was recovering, so he asked Xu Xinsu for leave and wanted to go back to Songjiang. Xu Xinsu naturally agreed.

Yu Ren returned to the Shen Mansion, and everyone saw that the young master had been gone for half a year, and suddenly came back, and they were all as happy as the New Year. Shen Minghang's illness has improved a little compared to the Chinese New Year, and his speech is basically normal, but his reflection is not as good as before. But Yu Ren was already very happy, so he rewarded Chunmei with a hundred taels of silver.

After staying at home for a long time, Yu Ren went to Zhao's money shop to see Zhao Rui, but the guys told him that the young lady did not live here now. Yu Ren thought that Zhao Rui had gone home, but he didn't expect the guy to lead him to a street not far from here, pointing to a shop with a small storefront.

"Miss is usually over there now, and rarely comes."

Yu Ren approached and took a closer look, and saw a large plaque hanging on the tall door, which read, "Yu's Qianzhuang"

Yu Ren unconsciously sighed, Zhao Rui is really a rare business talent! She was just giving her an idea, and she was able to start a business based on this, and from the current point of view, this business is still doing quite well.

Yu Ren did not enter the shop immediately, but first observed outside for a while.

He found that there were a lot of people coming and going in this shop. It's just that most of them deposit and withdraw silver, but no one exchanges paper money. Yu Ren couldn't figure it out, he didn't know if Zhao Rui hadn't opened this business for the time being, or if the guests didn't recognize their banknotes.

Walking into the shop, several guys were busy weighing silver at the counter, and they all looked very angry, and Yu Ren didn't know him. There were still several guests waiting on the chairs in the lobby, but Zhao Rui and Ping'er were nowhere to be seen.

Yu Ren walked up to a counter and asked, "Are you Zhao Dangjia here?" ”

The guy glanced at Yu Ren, turned his head and shouted inward. "Shopkeeper, someone is looking for a master."

The small door inside opened, and out of it came an old man with gray hair. "Who's looking for the master?"

Yu Ren saw that he didn't know the old man, so he had to arch his hand. "I'm a friend of your Zhao master, and the old shopkeeper said that Yu Ren was back."

When the old man heard Yu Ren's name, he quickly opened the door and walked out. "It turned out that Yu Dangjia came back. Hurry up inside please. We have heard Miss Yu Xianggong talk about it a long time ago, but Yu Xianggong is too busy and has never had a chance to see it. The old man said as he pulled Yu Ren out of a side door to the back.

The backyard is a small courtyard, with a total of three rooms in front and back, and there are only twenty rooms from the main house to the side room. While leading the way, the old man introduced himself, "The little old man's name is Zhao Liangchen, and he was originally the shopkeeper of the Zhao family's Suzhou money shop.

Since the young lady opened this shop, she transferred me from there to here. ”

Yu Ren nodded, it turned out that this old man was an old man of the Zhao family, no wonder Zhao Rui was so relieved of him.

"Miss and Miss Ping'er went to the west of the city to see the shop just now. said that he was going to open another money bank over there, and there happened to be a family that wanted to sell a shop, so the young lady took a few people to see if it was suitable. ”

Zhao Liangchen said while ordering someone to serve tea, and then asked someone to hurry up and call the young lady back.

Yu Ren saw that Zhao Rui hadn't come back yet, so he sat and chatted with Zhao Liangchen. Mainly asked him about the business of Yu's money bank.

This Zhao Liangchen also answered like a stream. Only then did Yu Ren know that Zhao Rui's shop had been open for half a year, that is to say, it was opened soon after he left Songjiang. At present, there are only two main businesses in the bank, one is to deposit silver, and the other is to lend.

The annual interest rate of the deposit bank is one cent, which is initially set by Zhao Rui, and lending is not necessarily. Generally, most of the stable old customers have an annual interest of one and a half percent, two percent, and three percent. It depends on what kind of customer and what the loan is for.

"Generally, the customers who lend money, I have a preliminary contact first, and I can see that it is okay, and then I will hand it over to the lady to finalize it herself."

"How much money have you released since you opened?" Yu Ren asked.

Zhao Liangchen thought for a moment, "By the end of last month, 76,500 taels had been released." This is what I wrote down in my notebook. So far this month, three more have been released, a total of 30,000 taels. ”

"How many have been recovered?"

"Forty-six thousand taels. The profit was seven thousand eight hundred taels. ”

Yu Ren nodded. "When I first discussed with your young lady about opening a bank, I told her to try to print some banknotes. Didn't you print it, why didn't anyone come to redeem it? ”

"When the money bank first opened, it also printed some banknotes, but everyone didn't recognize it, and no one came to change it, so Miss didn't print it again for the time being." Zhao Liangchen said.

Yu Ren lowered his head and pondered for a while, and then asked some details about Zhao Liangchen's banknotes when they were issued. For Yu Ren, this printing of banknotes is the ultimate goal of his bank, if this point cannot be implemented. Then this bank did not serve the purpose of his original establishment, and it is not much different from other banks.

While the two were talking, they heard the maids outside shouting, "Miss is back!" ”

Yu Ren was about to get up, when he saw that Zhao Rui had already hurried in. After being separated for half a year, they met again at this time, looking at each other, as if they had a thousand words to say, and they didn't know where to start for a while.

Zhao Liangchen was very interested, and when he saw Zhao Rui coming, he quietly withdrew from the house.

Zhao Rui looked at Yu Ren fixedly, as if she wanted to carefully inspect every part of his body, "You, are you okay?" ”

Yu Ren smiled and nodded. "I didn't expect it to be half a year away. I was going to come back from this trip and officially start the business of opening a money bank with you, but I didn't expect you to open a money bank. ”

"Although it was opened, we were not very satisfied with the bottom, and the effect we expected was still far from what we expected. This probably has something to do with the lack of money I opened the business. When I first opened, because I couldn't raise so much silver at hand, I first drew 20,000 taels from my shop, and then took 10,000 taels from Cao An's hand, which was the home that started with these 30,000 taels of silver. It's a bit cramped. ”