The level of espionage in the world is naturally unbearable for Li Congyi's eyes.

Huang Guangyi quietly investigated according to Jiang Guogong's instructions, and turned out three people with suspicious behaviors.

"This person, a newly promoted master of the iron-smelting factory, said that he was introduced by someone from an iron shop in Jinling, and he has a lot of experience and technology in iron smelting. After coming to Xuangang, he was also diligent and devoted to studying technology. We asked a little and said it all. It was sent by the governor of the quarrying iron yard, saying that he wanted to learn the technology of Xuanzhou Iron and Steel and then go back. The subordinates thought that if they brought back his parents and children, this person would be able to continue doing it here with peace of mind. ”

"This person is a staff member of the Jinling branch of Jiangnan Bank, and we are concerned about him, and someone has responded upwards that he has quietly traced the patterns of deposit receipts, promissory notes, and bills of exchange. After some means, he admitted that he was sent by Master Zhang Xie, intending to understand the operation mode of Jiangnan Bank. The tracing of the pattern was the result of his own whims, not the instigation of others. It is thought that the person can be expelled. ”

"This person, who also works in Xuangang, has been in the sickle product department of the civilian business group, and has applied several times to be transferred to the military products division, so the security department also included him in the watch list, and found that this person has relatives in Changzhou Mansion, and it has been confirmed that this person is in contact with people from Changzhou, and it is suspected that he was sent by Changzhou Mansion. His subordinates suggested that he should not be moved for the time being. ”

The difficult problem faced by espionage work in the world is that there is little movement of personnel, and there are few people from other places or people who have contacts with people from other places. In addition, there is no system in espionage work in the world, that is, a few people randomly find some people to do things, so naturally there is no professionalism. However, the anti-espionage work in the world is even worse, and there is no anti-espionage mind.

In fact, many businesses want to fight the idea of Wuthering Heights, but the semi-military management there is stricter in recruitment, and once recruited, the whole family moves in. This makes people wonder, what kind of person can have such a high level of loyalty, raise the strength of the whole family, and work for you? It's good not to sell it clean.

Zhang Xun wanted to take advantage of the establishment of the Hubu Bank to run on the Jinling branch of the Jiangnan Bank. Not long after this plan began, it was discovered by Xu Meilan.

A group of wealthy businessmen deposited tens of thousands of taels of silver or copper coins in Xuancheng, Runzhou, Changzhou, Shezhou and other places each time, and then signed out the draft of exchange to the Jinling branch. On the third day, the planning and finance department of the branch discovered the anomaly of this data, and then analyzed the rich businessmen who issued bills of exchange, combined with the news that the Hubu Bank was about to be established from Jinling, and the results were about to come out.

Before the establishment of the Hubu Bank, Zhang Xun asked the shops to withdraw cash from the Jinling branch of the Jiangnan Bank, and then deposited it after the establishment of the Hubu Bank to build momentum for the Hubu Bank. As for how long these silver taels will lie on the account of the household bank, Zhang Yi naturally doesn't care, but this momentum naturally rises. This is the same as the method of opening a branch in a modern bank.

So far, the Jinling branch has accumulated nearly one million taels of silver bills of exchange, and if it is withdrawn centrally, there will inevitably be a run. Zhang Xun's trick is really ruthless, and the key is that it is not easy to crack. If it is pure silver taels, it will be transported to Jinling with great difficulty, but the key is that the branches around the country receive more copper coins. What if each of them then withdraws it from the Hubu Bank, deposits it in the Jinling Branch, and then remits it back to the branches? Li Congyi felt that Zhang Xun might be so calculating.

However, no matter how hard Zhang Xun calculates, how can he be the opponent of a person like Li Congyi who will be a thousand years later, and he will reduce the dimension if he can't stand it.

————

The opening of the Bank is scheduled for July 28.

However, ten days in advance, the run on Jiangnan Bank planned by Zhang Yi began.

A wealthy businessman from Runzhou took the lead in making a move and came to the Jinling branch of Jiangnan Bank with a bill of exchange with a total value of 60,000 taels and asked for cash. The Jinling branch first said that according to the bank's regulations, cash withdrawals of more than 10,000 taels need to be notified three days in advance, and cash withdrawals of more than 50,000 taels need to be notified five days in advance.

On the same day, the wealthy businessmen who came to the Jinling branch put forward a total of about 1.2 million taels of bills of exchange and demanded cash. At this time, excluding the capital, all the deposits of Jiangnan Bank only totaled about 2.5 million taels.

By 23 July, many wealthy businessmen came to the Jinling branch of the Jiangnan Bank, and more than 30 people gathered in the hall, all smiling and smiling, eager to see the jokes of the Jiangnan Bank.

"What?! Give me a silver dollar?!" Behind the high iron railings, several staff members of the Jiangnan Bank checked for a quarter of an hour before pushing 50,000 taels of silver out of the inner hall with a trolley. Judging from the size of the pile, it was obvious that there were no copper coins, so several people surrounded them.

The rich merchant opened one of the chests, and it was a cylindrical thing wrapped in oiled paper, and the rich man tore it open, and a pile of silver dollars fell to the ground, clinking.

Someone picked up a piece, only to see that there is no hole in the middle of this silver dollar, there is a flower pattern on one side, the top of the book two words "one yuan", on the other side there are two ears of wheat distribution around, in the middle there is the word "when the silver one or two", under the "Tang Kaibao eight years" seven small characters. The coin has four perfectly circular protrusions, and the sides are surrounded by uniform teeth. The problem of silver is that the fineness and weight are different, and the treasury silver of the government is neat and uniform when it comes out of the warehouse, but it can't stand everyone to cut it around, and there are deliberately grinding off the corners to accumulate a lot.

And to make such a silver dollar, it is difficult for others to work on the silver dollar.

Everyone was surprised, and a hall manager explained: "According to the Bank's regulations, if you deposit silver taels, the Bank also needs to provide silver when withdrawing cash, but if you deposit copper coins, the Bank cannot guarantee that you will continue to provide copper coins." Now everyone wants to withdraw a large amount of cash, and the head office of the bank rushes to carry it, and now the branch only has this silver dollar. ”

"This gentleman deposited 20,000 taels of silver at that time, and 30,000 taels of silver of various colors, so the branch provided 20,000 taels of silver and 30,000 silver dollars."

The man hurriedly said, "You said that this silver dollar should be one or two, but what if others don't recognize it?" "Everyone is an old trader, and this silver dollar is less than one or two as soon as you get it, and it is probably only seven dollars.

The crowd also gossiped. The manager said: "You don't need to worry, Jinling Mansion, Xuanzhou Mansion, and Changzhou Mansion have all agreed that one silver dollar can be used as one or two silver dollars when paying taxes." Other state capitals, the Bank is also in continuous communication. If you have difficulties in using it, you can also return the silver dollar to the Bank and exchange it for copper coins, but this will need to be negotiated with the Bank separately, after all, copper coins are not easy to transport. ”

At this time, the Xuanshang of Nashe County still wanted to struggle again: "I just want silver taels or copper coins......

Then someone said, "I want this silver dollar!" Those who don't want silver dollars might as well wait first......"

This silver dollar weighed about seven cents. Someone has already gritted his teeth and tried it, even if the fineness is slightly lower than that of Kuyin, it is not too wrong. Jiang Guogong used such silver dollars to replace everyone's copper coins, and the three coins that were lost were considered processing fees, and they were also worth it. What's more, at the moment, copper is cheap and silver is expensive.

Someone coaxed together, and there was no resistance to this matter.

It was also a loss that Li Congyi had long wanted to mint coins. However, the copper coin belongs to the official minting, and it is inconvenient to mint copper coins for a while, so Li Congyi made silver coins first, and the minting machine tried to produce three sets, and also tried to mint 100,000 pieces in advance, but one did not think about the timing of the release. As a result, Zhang Xun made this play, which made Li Congyi see a good opportunity.

The fineness of this silver dollar is ninety, which is not much different from the pure color of the silver. However, if a silver dollar is seven coins, when it is one tael of silver, then Jiangnan Bank will earn three dollars for every two silver dollars. In order to snipe at the Jiangnan Bank and at the same time to open his eyes for the Hubu Bank, Zhang Xun mobilized almost all his connections, and the merchants and wealthy families suddenly deposited a total of more than 1.2 million taels into the Jiangnan Bank, but the silver was only about 300,000 taels, and the remaining copper coins of about 900,000 taels of silver.

It's hateful! Zhang Yi vomited blood in anger. But playing with this silver dollar, Zhang Xun also had to admit that Jiang Guogong's silver dollar was beautifully minted, and I am afraid that this silver dollar will become popular in the future and replace this silver dollar.

On the day of the opening of the Bank, about one million taels of silver poured in. However, there were about 800,000 silver dollars in it. In other words, there are about 100,000 silver dollars, which can be regarded as being put into the market.

The Hubu Bank, which Zhang Xun ran behind the scenes, is a fully government-run bank. However, drawing on the system of separating Li Congyi's board of directors from the management level, the board of directors of Hubu Bank is naturally a one-vote boss, such as Prime Minister Xu You, the third envoy Zhang Mi and others, but the management layer is the private goods carried by each family. Wang Wei, the president of the bank, is among a group of sons, and he can barely be regarded as a serious businessman.

As for the silver dollars minted by Jiangnan Bank, the management of Hubu Bank discussed that at the beginning, most people's opinions were that they did not want to accept them, or they did not want to collect them as a silver or two. Wang Wei knew very well, and knew that if he didn't collect silver dollars, maybe these silver dollars would not come in at all. Only by absorbing and saving silver dollars as usual can we ensure that everyone is willing to deposit them, otherwise what is the credit ratio between the household bank and the Jiangnan Bank? After all, Jiangnan Bank tied up Jiang Guogong's personal credit; As for the credit of the household department, to be honest, Wang Wei himself has no confidence.

The reason why people at Tobe Bank don't like silver dollars is simple. Originally, according to the routine of the government, the silver would be smelted and recast into the treasury silver, which would have room for fire consumption. Now in exchange for this silver dollar, this melt will be bloody. The inability to melt silver, and the inconvenience of refusing to accept silver dollars, made some people in the household bank resentful. It's just that everyone doesn't want to, as soon as the depositor comes in, there will be fire consumption, who is this fire consumption?

Therefore, Wang Wei would prefer to collect more silver dollars, otherwise how could the 500,000 taels of principal in this household bank be enough for everyone? It's just that silver is expensive and copper is cheap, Wang Wei is curious why Jiang Guogong wants to exchange silver dollars for copper coins.

Not only Wang Wei, but many people don't understand why Li Congyi did this. Li Congyi's idea is also very simple, exchange silver dollars for other people's silver taels, and others will not do it. But in exchange for copper coins, this has the feasibility of being accepted by both sides.

In China's financial history, there has always been a shortage of silver and copper. Li Congyi abandoned silver to take copper, because copper has more and greater uses. One is that copper coins are widely used by the people, and the other is that Li Congyi wants to pour copper on the deck of the warship to improve the survivability of the warship to deal with fire attacks.

The fire oil tank tactic is not difficult to copy, the difficulty is that the fire oil is rare. But it is not impossible to obtain, the countries of the South China Sea have that fierce fire oil, but it is expensive and useless. Now it is rumored that some maritime merchants bought fierce fire oil from Guangdong at a high price, and they are also looking for a porcelain kiln to make fire oil tanks. However, Li Congyi is naturally not afraid. It is not difficult to deal with the tactics of fire oil tanks at sea, and the warship covers the deck with copper to prevent the oil from seeping into the cabins below the deck, and then puts sandbags on the deck, and the oil can be quickly extinguished by covering the oil with sand in time. Maybe you have to let the Wu family in Lin'an or others who don't open their eyes suffer another loss, so that Qiantang Haimao can really gain a firm foothold in the East China Sea.

The run on Jiangnan Bank organized by Zhang Yi has caused a significant increase in the recognition of Jiangnan Bank in the market. By the beginning of August, the deposits of the Jiangnan Bank had returned to the level of 3 million taels of silver, and in particular, the deposits that had been used to save the face of the Hubu Bank had returned to the Jiangnan Bank one after another, after all, the service of the Hubu Bank was 108,000 miles behind that of the Jiangnan Bank. According to rough statistics, the number of silver dollars in circulation has reached 200,000.

Li Congyi thought twice about it, and set up a mint bureau under the Guogong Mansion, so that the seigniorage income would belong to himself, instead of being shared with the shareholders in Jiangnan Bank.