Chapter 132

Although it has been more than three months since the establishment of the bank, in fact, there are not many people who have dealt with the bank in the whole of southern Liaoning and even the whole world.

Zhang Chen took one of her servants, women are women, and in the general environment of the late Ming Dynasty, there were still too many inconveniences. Zhang Chen's servant woman is called Hao Wuniang, and her maid name is Rouge. She's a ruthless character with a lot of life.

Hao Wuniang was originally the fifth daughter of Hao Huandong, the commander of Laizhou Wei, and married Gan Yanshou, the commander of Weihaiwei.

This Gan Yanshou will be placed in the future generations, and he will be a solid scumbag, and he will be horizontal in the nest. After marriage, if she was a little unsatisfactory, she punched and kicked Hao Wuniang, and Hao Wuniang accepted it, but the problem is that this Gan Yanshou is too scummy, in order to be promoted and make a fortune, he gave his wife to his top boss, the pervert Zhou Kui.

This pervert Zhou Kui has a lot of fun, he doesn't like ordinary women, and he doesn't like the yellow flower girl, but he learns Cao Cao, a good wife. Hao Wuniang, who had just married Gan Yanshou as his wife, became his target. He used some small means for Gan Yanshou, and Gan Yanshou understood.

In order to force Hao Wuniang to obey, Gan Yanshou personally drunk Hao Wuniang with wine, but Gan Yanshou didn't know his wife, and Hao Wuniang had a lot of wine since she was a child, and that bit of wine was just a gargle for her.

This time, Hao Wuniang broke out, it was night, she used a silver makeup knife to kill Wei Haiwei's commander Zhou Kui, as well as his four personal soldiers, her husband Gan Yanshou, the eldest brother Gan Yannian, and a total of eleven servants of the Gan family. After killing these eleven people, Hao Wuniang was rescued by Feng Sanniang in order not to cause trouble for her mother's family. Later, she learned that she was two months pregnant.

In this way, she followed Feng Sanniang and gave birth to her own daughter, and when Feng Sanniang pretended to be Mrs. Cheng to come to southern Liaoning, she also followed Feng Sanniang and pretended to be Feng Sanniang's servant.

But the problem is that Feng Sanniang is a fake lady, although she doesn't have to worry about eating and drinking in the backyard of the Ning Navy General Mansion, but the problem is that Cheng Shijie did not give Feng Sanniang living expenses, and Hao Wuniang naturally has no money, perhaps because she has experienced too many grievances, since giving birth to her daughter, Hao Wuniang has no milk, in order to make a living, she had to become Zhang Chen's bodyguard.

Before coming to this three-story cement building, Hao Wuniang was dumbfounded, as the most honorable person in southern Liaoning, Cheng Shijie lived in his house for more than two months, and Hao Wuniang was also well-informed. She never thought that compared to this bank, the Ning Navy General Soldier's Mansion was simply called Huazi and the Dragon King.

There is no comparison at all.

At the main entrance of the bank, there is a huge square, with two rows of carriage parking areas that can park more than a hundred cars at the same time, and two rooms where you can temporarily rest with the entourage of wealthy families.

In particular, the exterior wall of the three-story building was actually pasted with a layer of gold bricks, each of which was yellow and clear, hard as iron, and made a sound of metal clashing when thrown on the ground, and the sun shone through, and the whole wall was flooded with ten thousand points of golden light, which was extremely gorgeous.

Entering the lobby of the bank, the floor is also paved with gold bricks, extremely smooth, and the ceiling is hung with silver-plated chandeliers, like lotus flowers in full bloom, the silver light flows, the brilliance is dazzling, and these handicrafts alone are worth a lot of money.

By the way, there is also a fireplace installed inside, and a fire is lit, even if it is cold, it is warm inside, warmer than hiding in the kang. There is no need to burn the fireplace now, but the candles on the suspended ceiling are burning in broad daylight. Even with such a large lobby, it doesn't look dark at all.

There was a row of bank workers wearing long shirts and scarves on their heads, and there were strict rules on what kind of clothes people of what class in the Ming Dynasty worn.

Zhang Chen nodded secretly, this Liaodong Bank is strong enough, and there are actually more than 100 scholars serving here.

When it comes to scholars, these scholars are different from the scholars in Jiangnan, but they are indeed qualified to wear Confucian shirts, because they have worshiped the two sages of Confucius and Mencius and read the books of sages.

"Dear Madame, how can I help you!"

Zhang Chen nodded: "I want to borrow!" ”

Before borrowing, Zhang Chen had inquired about the Liaodong Bank in many ways, that is, the former Liaonan Bank, and the proprietor behind it was the Liaodong Economic Envoy, the Zuo Du Governor, the General of the Conquest, the Liaodong Commander Sidu, and the Chief Officer of the Ning Navy, who controlled Cheng Shijie of the Dongjiang Army.

Sure enough, in Zhang Chen's heart, only Cheng Shijie will be so good to the people, everyone has surplus money in their hands not only does not charge money, but also can get interest, and if you are tight, you can also borrow money from here, the interest rate is quite low, compared to looking for a landlord or looking for an underground money bank, pawnshop, donkey-like usury is much fairer.

Since there were not many people in the lending area, Zhang Chen soon came to the counter.

Coming to the counter, Zhang Chen was slightly stunned.

Because the shopkeeper sitting at the counter (in fact, it should be a loan officer) was actually a woman, although this woman was wearing a scarf and wearing the same Confucian shirt as the scholars outside, but there was a confident and gentle smile on her face: "Madam, how can I help you?" ”

"I want to borrow!"

"First of all, let me introduce you to the lending rules in our bank, we need to have collateral, do you have anything that can be pledged?"

"I have!"

Zhang Chen casually took out the house deeds, shop deeds and land deeds that had been prepared long ago.

The loan officer reached out and respectfully accepted the three contracts, and as loan officers, they did not need to do an appraisal, but handed them over to a specialized appraiser.

Because these contracts, whether sooner or later, belong to the original Military Affairs Administration, and belong to one family, that is to say, even after the establishment of the management committee, they have taken over this mess.

It is easy for them to get the number of the original file from the management committee, which is a sixteen-digit number, and the same as the ID number of later generations, the ID number is a regular combination of numbers, and the number number of the deed and title deed is regular, and it is not easy to crack. It is very easy to check the authenticity through the number number of the deed, which is one certificate and one number.

The time is very fast, the professional appraiser gave Zhang Chen's assets the pledge reference value, Zhang Chen's property, the most valuable is actually her shop, because of the good business prospects, good geographical location, good business conditions, the appraiser gave two thousand taels of silver appraisal, real estate one hundred and sixty taels of silver, one hundred acres of land is eight hundred taels.

Don't look at the wasteland in southern Liaoning is not valuable, but the land in private hands is very small, and the officers and men of the Ning Navy can be divided into more than fifty military rank fields, and martyrs and military merits can be obtained. Even if Cheng Shijie's original intention was one tael of silver and one acre of land, in fact, now the land in southern Liaoning is worth eight taels of silver, but no one is willing to sell it.

The reference value of this land price is the value of the land sold by the Liaoning Management Committee to private factories, which belongs to industrial land, and the industrial land in southern Liaoning can only be in alkaline wasteland, gravel land or mountainous areas with no agricultural value......

"Dear Madam, the value of your pledge has been assessed by our professional appraiser, and the total value of your pledge is two thousand nine hundred and sixty taels of silver, do you have any objection to this?"

Zhang Chen was slightly surprised, because this value far exceeded her expectations, her house and shop were built earlier, and the value of the workers in southern Liaoning at that time was even lower, so her principal was actually only ten taels of silver, and in more than seven months, she earned two thousand nine hundred and sixty taels with the principal of ten taels of silver, how many times has this increased?

Zhang Chen's head was a little insufficient: "No! ”

"Madam, according to the regulations, you could only borrow half of the value of the collateral, that is, 1,480 taels of silver, but, considering that you are a martyr's family, this standard does not apply to you, all military families, martyrs' families, Cheng Dashuai will provide a guarantee, so you can borrow up to 3,000 taels of silver!"

Zhang Chen nodded and said, "Then borrow three thousand taels of silver!" ”

"Do you understand that our bank needs to charge a certain amount of interest?"

"I can understand!"

"The interest rate of our loan is two cents, if they borrow ten taels of silver here, the interest per month is two hundred yuan, and it will be two taels of silver for one year, and seven taels of silver for three years, which means that after three years, you will have to repay our bank seventeen taels of silver."

The loan officer continued: "Considering that you are a martyr, and you borrow money from our bank, the interest will be halved as appropriate, that is, if you borrow three thousand taels of silver, you need to pay the interest of thirty taels of silver from our bank every month, can you accept it?" ”

"Cheng Dashuai is a good person!"

Zhang Chen smiled: "I'll borrow!" ”

The loan officer put away Zhang Chen's house deed, shop deed and land deed, and then asked Zhang Chen to sign it, press his fingerprint, and after the loan contract was signed, the contract was made in duplicate, one was kept on file with the bank, and the other was handed over to Zhang Chen for safekeeping.

Subsequently, the loan officer operates the transfer, and if it is necessary to withdraw money, it needs to have a password, a personal seal and a signature (if you are illiterate, you can sign on behalf of the operator, but it must be fingerprinted).

After Yang Yunniang and Zheng Jian and others discussed, they adopted Cheng Shijie's method and the original Qianzhuang's method, the seal, handwriting, and fingerprints must be exactly the same, otherwise they will not be able to get the money, which can be regarded as completely eliminating the possibility of either party doing tricks.

It took Zhang Chen less than half an hour to get the loan from the review and evaluation, of course, she doesn't need to withdraw the money right now, because it also takes time for her business to expand.

At the time when Zhang Chen's loan business was handled, there was also a woman who came with a maid to handle the business of saving money, this woman was Miss Xu Si, although the Xu family was well-off, but the problem was that her money was running out, as Miss Four, there were four eldest brothers on it, it was very easy.

Maldina wrote a letter to her four older brothers, one of her younger brothers, in which it was very simple: the younger sister (elder sister) had no money, and the eldest brother was in an emergency.

So, Xu Ji's five sons sent money to the fourth lady one after another, probably the five brothers discussed, and each gave 1,000 taels of silver, that is, 5,000 taels of silver.

Originally, these servants sent silver, and Maldina wanted to bring it directly to Zhenhai City, but she heard that Liaodong Bank did not charge a handling fee for depositing money, and paid interest.

Ten taels of silver has an interest of 30 taels of silver every month, and the 5,000 taels of silver a month is the interest of 15 taels of silver, which means that the 5,000 taels of silver do not need to spend a penny, and she can live a very nourishing life just by eating the interest.

In fact, it is true, in the entire southern Liaoning, the living expenses of ordinary people are about five or six hundred wen a month, even if there are fish and meat like Zhang Chen, there are not many people who can have a higher living standard than her in southern Liaoning. Her main expense is to replenish her son's body, which is four or five taels of silver a month.

This also includes the expenses of her servant Hao Wuniang, mother and daughter, maids, and five people.

Zhang Chen found that all the staff in this bank, whether they were borrowing money or saving money, always had a warm smile when facing customers, and there were many procedures that should be done, which made people feel more comfortable and comfortable.

Zhang Chen didn't know that these female employees had undergone nearly three months of training before taking up their posts, and one of the most ruthless was smiling, and their faces were stiff when they smiled......

The teacher who is responsible for training them is Wang Wei, a famous prostitute who is famous in Jiangnan and is as famous as Liu Ru.

Qian Qianyi said: "Today's poems are declining, and the phosgene between Kuibi is gone. The Caoyi Taoist and my family Hedongjun, Qing Wen Li sentence, show off between the six bridges in Xiling. ”

Huang Zongxi also said: "When it is, there are willows in Yushan, and Wang Xiuwei in the clouds, all of which are famous in the world for singing with the wind and elegance." ”

Caoyi Taoist is Wang Wei's number, and Wang Xiuwei is Wang Wei's nickname.

The apprentices taught by Wang Wei, not to mention dealing with ordinary guests, even if they are merry and talented, they are also familiar with the road and handy.

……

As Liaodong Bank began to lend, it immediately aroused heated discussions among everyone. Commercial loans are secondary, and the most exciting ones are actually the families and martyrs of the Ning Navy officers and martyrs in southern Liaoning.

Because they are the only class in southern Liaoning that own their own arable land, because of their numbers, many people's land has not been reclaimed, and if there are cattle, horses, or more farming tools, then the coming year will not be ......

Chen Dayong is the supervisor of the Ning Navy Naval Division, according to his military rank, there are 300 acres of land, plus the military merits of the previous beheading, Chen Laosan relies on his son Chen Dayong, and owns more than 860 acres of land.

Chen Laosan is very chicken thief, when the homeless people flocked to southern Liaoning, he took the opportunity to give his son Chen Dayong fifty-three concubines, these concubines, the eldest is thirty-seven or eighteen years old, the younger one is twelve or thirteen years old, and some are with sons and daughters.

In Chen Laosan's eyes, age or anything doesn't matter, looks don't matter, the most important thing is that with these fifty-three concubines, as well as more than a dozen adopted grandchildren and granddaughters, their family's more than 860 acres of land can be planted.

Chen Laosan took fifty-three daughters-in-law, seventeen or eighteen adopted granddaughters, and seventy or eighty people to work together, plus temporary hired short-term workers, tired and tired, and finally planted most of the 860 acres of land.

Due to the fertile land and timely irrigation in southern Liaoning, these crops are growing very well, and in Chen Laosan's opinion, if there are not two stones of grain per mu, he will buckle his eyeballs.

Seeing that the weather is getting warmer and warmer, and the people around him have built new houses, Chen Laosan has a headache, Chen Dayong does have a military salary, in the army, he eats Cheng Shijie's, drinks Cheng Shijie's, and he doesn't need to spend money, and Chen Laosan is given every month's military salary.

But the problem is that the fifty-three concubines are easy to use, but the problem is that it costs money to raise, Chen Laosan looked at his nine adobe houses, and five or six people were crammed into one room.

It's okay when it's cold, but now it's very inconvenient, and every day after they fall asleep, these daughters-in-law will get up and wash themselves......

It's really inconvenient.

But when the grain is harvested after the autumn, Chen Laosan will definitely have the money to build a house, but the problem is that after the autumn, the weather is also cold, and it may be too late to build a house at that time.

Chen Laosan spent five buckets of grain, invited Wu Banxian of Dengzhou Weizuo Qianhu, and showed him the house, if a three-in-fifty-nine rooms, future generations will be high-ranking officials.

This was Wu Banxian's nonsense, but Chen Laosan kept it in his heart, if these fifty-nine rooms were built, it would cost hundreds of taels of silver.

Because there are many people building houses, the construction team is too busy, and if you want to build a house now, you can only add money, and if you use good building materials, a hundred taels of silver is not enough.

Chen Laosan held a family meeting with his fifty-three daughters-in-law.

The house must not be able to sit down, can only hold a meeting in the courtyard, Chen Laosan said: "The old man thought about it, borrowed money from the bank to build a house, ......"

The eldest daughter-in-law is called Luo, who is seven or eight years old in her Chinese New Year's Eve, and her original in-laws borrowed three taels of silver from the landlord in order to treat her father-in-law because her father-in-law was suffering from qi disease.

In the end, the people were gone, the money was spent, and the money owed was rolled up, rising to more than 150 taels in less than two years, and their family was defeated in this way, in order to escape debts, their family ran away overnight, and the ex-husband was caught up by the landlord and beaten to death in order to cover them running.

"Dad, don't borrow money, otherwise, let's build a house by ourselves, and we can do the work that a man can do!"

can become Chen Dayong's concubine, even if it is only a nominal concubine, Chen Dayong has never touched her, and he has not even said a few words, but the problem is that the Luo family is too satisfied with the Chen family.

Eight hundred and sixty acres of land, as well as one of your own ponds, three acres of homesteads, what else can you think?

Since entering the Chen family, although Luo has done a lot of work, he has really not been beaten or starved, what else can he beg for?

Chen Laosan also knew that these daughters-in-law were all hard-working people, and some of them were also ruined by loan sharks, so he knocked on the table: "I just want to say one thing, this bank is handsome."

"Handsome?"

"Yes, when our Chen family didn't mix with Da Shuai, they also ate the last meal and didn't have the next meal, Da Yong became a soldier for Da Shuai, and later he was promoted, our family's 860 acres of land are all rewarded by Da Shuai, Da Shuai is willing to lend us money, we just collect the grain and return it to Da Shuai, Da Shuai is also sympathetic to his subordinates, there are many people like Da Yong who have no money to build a house at home, borrow Da Shuai ten taels of silver, and only one or two dollars of interest a year!"

Chen Laosan smiled and said: "We are still two months away from the autumn queen, two months later, our family, the grain collected can be piled up into a mountain, and there is no place to put it at home, this house must be built, borrowed money must also be built, not only to build a house, but also to buy cattle and horses!" ”

Everyone can understand that if there are cattle this year, this spring ploughing will be much easier.

"Why buy a horse?"

"Dayong is now an official of the imperial court, and then go out to take a donkey cart and make people laugh!"

Chen Laosan pointed to his face and said: "I don't want this old face, but Dayong can't embarrass Dashuai, if others see it, they will say that Dashuai treats his subordinates harshly, this face, let's fill it up!" ”

Chen Laosan used his 860 acres of land as a mortgage, borrowed 420 taels of silver from the bank, and planned to spend 200 taels of silver to build a new house, after all, the Chen family has a large population now.

Then he bought sixteen oxen and two good horses for the value of eight taels of silver for a cow......

There are still many people like Chen Laosan in southern Liaoning, and they are all eager to build new houses and buy cattle or horses, which has greatly stimulated the animal husbandry in southern Liaoning.

Regarding the matter of making money, some people joked that standing on the tuyere, pigs can fly.

This sentence is also applicable in southern Liaoning, Zhang Chen's widow, because of her courage, dare to think and dare to do, she succeeded, and in just half a year, her net worth exceeded three thousand taels.

Don't look at the bank's asset appraisal of 2,980 taels of silver, but the problem is that the bank's appraisal is all inflated, if it is inflated, once the borrower has no money to repay, the bank can only consider itself unlucky?

Do banks do business at a loss?

Definitely not, even if it is a 100% loan, there is still a certain amount of room for profit.

If Zhang Chen's family really goes bankrupt, these assets will be enough for the bank to eat with oil.

This is the harsh reality.

Don't look at the fact that many people in southern Liaoning have an annual salary of more than twelve taels of silver, but it does not mean that these people have the value of twelve taels of silver.

Because the value of twelve taels of silver was given by Cheng Shijie to ordinary people in southern Liaoning.

In order to ensure the basic livelihood of the people in southern Liaoning, the management committee began to promulgate the "Liaodong Workers Protection Law", which stipulates in article 1 that no enterprise, factory, or shop that employs workers is allowed to deduct the wages of its workers.

Workers have the obligation to work and the right to enjoy wages, which is not handouts.

Ordinary workers in southern Liaoning enjoy a minimum salary of one or two silver, and they have to eat, and any accident occurs during the work, whether it is a worker's operation error, or an equipment accident, resulting in work-related death or work-related injury, the business owner must be responsible for the end.

The promulgation of this protection law made the merchants of southern Liaoning wail.

If you violate this protection law, it is actually very simple, ranging from a fine to bankruptcy.

Farming in the Central Plains, there is a high probability that it will be bankrupt, the year of the catastrophe, the tragic situation is unimaginable, not to mention the crops, the bark has been gnawed away, the whole village except for people, there is no living thing left, cats, dogs, and so on have been eaten cleanly, even big animals such as cattle and horses are not spared, and the common people also know that if the cattle and horses are eaten, it will be more difficult to farm in the future, but people are hungry and have no choice, and even the children can be replaced to eat, and the livestock or anything can't be taken care of.

Even if they are not eaten, the animals will starve to death.

There is no such worry here in southern Liaoning, even if the real crops are not harvested and there is no food, you can dig wild vegetables, you can go to the sea to catch fish, and you can also fish for kelp.

Cheng Shijie not only set up four salt factories in southern Liaoning, but also has a production scale of 30,000 stone salt in Chinese New Year's Eve, which is completely demanded by tens of millions of people.

Cheng Shijie was also dumbfounded when he received the report from the salt factory.

Unconsciously, so much salt was produced, even at the beginning of spring, a lot of salted horse meat was used, and now salted fish is salted, but there is still too much salt in stock.

Cheng Shijie looked at these numbers and sighed a little emotionally.

He pondered whether to dump salt into Jiangnan and the Central Plains?

Of course, this salt market is the fat meat of the salt merchants in Jiangsu and Zhejiang, and the salt in southern Liaoning is used by themselves, and they have no opinion, and the original southern Liaoning is a non-existent market in the eyes of the salt merchants in Jiangsu and Zhejiang.

This consumer market was cultivated by Cheng Shijie, and it was naturally owned by Cheng Shijie, and they had no opinion.

It's useless to have opinions, because Cheng Shijie is a general with heavy troops, what can they do with Cheng Shijie?

Reasonable?

Cheng Shijie definitely took their words as a fart.

Gift-giving...... bribery

Their two jujubes, Cheng Shijie didn't look at them.

Assassinate?

Come one and bury one, come one pair, bury a pair.

Cheng Shijie will not be polite to them.

Cheng Shijie summoned Yang Chen, who was in charge of the salt factory's business, a senior salt worker who had been working as a salt worker in Nanyang, Henan Province since he was thirteen years old, and had been working for more than 30 years. Although it was not explicitly stated, Cheng Shijie guessed that it should be in the later Wugang, which is the only city named after the company.

Wugang Group created Wugang City.

"Meet the Commander!"

Although Cheng Shijie has been promoted to the Liaodong Economic Envoy, the problem is that many people or craftsmen do not understand the official system of the imperial court, and they can't tell whether Cheng Shijie is handsome or slightly great.

Anyway, the handsome man is called smoothly, and Cheng Shijie doesn't care, more often than not, he will call himself the handsome.

"Excuse me!"

Cheng Shijie said with a smile: "On this report, you have a fingerprint, which means that this report was not written by you?" ”

"The villain is illiterate!"

Yang Chen said a little resignedly: "This is written by my daughter-in-law!" ”

"Haha!"

Cheng Shijie understood, the people of Liaodong still have great respect for cultured people, when choosing a daughter-in-law, one looks like a fairy, but he can't read or write, and the other is ugly, when choosing to be a daughter-in-law, the first choice is a cultured woman.

Cheng Shijie pointed to the report and said: "There are too many nonsense in this, Ben Shuai only asks you two questions!" First, is the 300,000 stone salt expected production capacity, or has it already been produced? ”

Yang Chen smacked his lips and said: "By August and September, there should be 300,000 stone salt, but now there is none, only 1230,000 stone salt!" ”

"Good!"

Cheng Shijie said: "The second question, how much does it cost for us to produce a stone of salt?" How much does it cost? Ben Shuai lost his words, these are two questions, then ask one more question, Jiangsu and Zhejiang salt merchants, how much silver do they need to produce a stone of salt, do you know? ? ”

Cheng Shijie has now made a decision, if he has the strength, then he will flip the table and smash the pot of the salt merchants in Jiangsu and Zhejiang.

(End of chapter)