Great Wei Nengchen

"Da da da!"

When the businessmen were dejected and lamented that their fate was inevitable, Zhen Mi and Liang Xiaoyu went to the map, took out two small boxes, and started playing with it...

Chang'an, Luoyang, Xuchang, Yecheng, Shouchun, Linzi, Handan... Small houses with Liang characters and Zhen characters appeared in all the major cities on the map, and they were named: Qianzhuang, and some exquisite small paper houses The piece is called: silver ticket.

A Youzhou caravan went to Luoyang to do business, but they did not set off directly. Instead, they went to the local bank first, exchanged the gold and silver they carried with them for a small silver ticket, and then went straight to Luoyang with light vehicles...

After the caravan arrived in Luoyang, they immediately found the local bank and exchanged the money for silver notes. After finishing the business, they deposited the money in the bank again. …

There was also a caravan who found a huge business opportunity, but unfortunately they didn't have enough money to swallow all the goods, so they immediately ran to the bank, borrowed a lot of money, and made a lot of money...

There was also a caravan that met robbers on the way, all the people were killed and the bank notes were taken away, but the robbers couldn't get a penny, and the money was returned to the relatives of the merchant...

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The two students unfolded a piece of white cloth, which was set by Xiao Yi, with [-] regulations on the bank: including the location of the bank, the method of anti-counterfeiting of bank notes, storage interest, loan interest... the content is detailed and reasonable!

According to historical development, during the Sui and Tang Dynasties, there was large-scale currency exchange and lending, and the first banknotes (bank notes-Jiaozi) appeared in the Southern Song Dynasty. Gradually mature and become an important section of financial activities!

In order to cope with the financial crisis, Xiao Yi had no choice but to let the Qianzhuang be born ahead of schedule. This move can be described as shocking, and it can also gather a large amount of money and food in the shortest possible time to help the court overcome the financial crisis...

But the old saying is good: "pull the seedlings to encourage growth, and the seedlings will dry up and the fields will be barren". With the production level and commercial activities of the Han Dynasty, it may not be forbidden to live in the impact of the bank.

Therefore, the rules formulated by Xiao Yi can be described in one sentence: conservative, conservative, and conservative... Many commercial functions of the bank have been secretly abandoned, and the originally complicated financial calculations have been simplified as much as possible, not seeking to make more money. , I just want to be safe!

Even so, this cross-age product, Qianzhuang, will still break the original commercial activities and establish a new commercial order. purse!

"Hoo! - Hoo! Hoo!"

The whole operation was silent, but to the merchants, it was like a thunderbolt from the blue sky. They kneeled and crawled over one after another, staring at the bank on the map, as if seeing a rare treasure, and some people kept kowtow...

This kind of operation is not unfamiliar. In fact, many large caravans will set up several semicolons to circulate money and help each other. However, their strength is limited. complete!

This time is completely different. The Zhen family and the Liang family are the two big chaebols who jointly sit in the manor, and the Marquis of Wushou is responsible for escorting the escort. Together with some wealthy merchants, it is enough to form a huge business network, covering all the land of the Central Plains...

Just imagine, if all the states, county offices, and strategic locations in the Central Plains had built a bank, merchants would not have to carry large sums of money when they did business again. If they had no money, they would not attract robbers, and their lives would be safe. Assure.

If you don't carry a lot of money, you don't need a lot of horses, bodyguards, and buddies. The consumption in the middle is greatly reduced, and the speed of travel is greatly improved. For businessmen, speed is money!

When you are losing money, you can go to the bank to borrow money, and you will have a chance to turn around; when you are making a profit, you can store the unused money in the bank, and there will be generous interest...the benefits are too many to list!

No wonder when the mine was divided up, the Zhen family and the Liang family never made a move. They wanted to concentrate all their financial, manpower, and material resources on the bank business, so as to connect the world!

Although the mine is good, it will always be dug out in decades or hundreds of years, but the bank can last for thousands of years. Even if the country changes hands or the dynasty changes, it will not affect the operation of the bank. This is the real cornucopia!

"The Tian clan of Qingzhou donated 100 million yuan, 37 hectares of fertile land, [-] heads of livestock, and [-] farms..."

"The Chen family of Xuzhou, donated 200 million yuan, 2000 hectares of fertile land, [-] heads of livestock, and [-] slaves..."

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A new round of donations started, and the merchants were extremely crazy. In addition to money, food, and livestock, they took out houses, land, and servants. Some even took out seals and put them directly in the donation book.

That is to say, with these seals, Xiao Yi can withdraw their property, as much as he wants, until he goes bankrupt!

And what the businessmen want is to enjoy the benefits of the bank and become one of the shareholders. As long as the business circle is in operation, the money they paid today will soon be returned ten times or a hundred times!

Next, headed by the Zhen family and the Liang family, together with 48 wealthy merchants and 470 three ordinary merchants, they will jointly organize a business alliance and prepare to build money houses successively across the country!

The name of the bank was also thought up, and it was called "Wuyou Bank", because the businessmen knew that no matter how much money they started and how much money they earned, they could not do without the protection of Da Sima, who was the master behind the scenes!

More importantly, this big Sima is black-bellied and ruthless, his wisdom is as deep as the sea, and he has a strong control over things. He can create a bank business with one hand, and naturally he can destroy it with one hand. Bankruptcy!

"I will bid farewell to Master Sima--take care of your health, and stay safe and healthy!"

"Hehe, take care of yourself, and come to Wuchouhou's Mansion more often in the future!"

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The banquet lasted all night, and after the sky was bright, the merchants left and left. Xiao Yi summoned officials of all sizes in Taicang to count the harvest of the banquet and discuss how to use the money...

There are frequent civil upheavals in the Central Plains, and the courts are panic-stricken. Money and food are needed everywhere to save lives. There are many donations from merchants, but it is far from enough to save the country's financial crisis.

Some people think that buying grain, cattle, and agricultural tools immediately and distributing them to the people everywhere for the upcoming spring plowing is far from enough, but it is better than nothing, right?

There are also people who believe that the army has just returned from a triumphant return, and it should be given money and land first, so as to reassure the soldiers of meritorious service.

Some people think that they should report to the Prime Minister, how to use the money, and show off their achievements by the way. Who can get so much money overnight?

For everyone's proposals, Xiao Yi directly waved his hand to veto them. Matters vary in size, urgency, and severity. At present, the most important thing is: pay salaries to the officials!

Chapter 1378 A rich man is hard to be a man without money ([-])

In the face of natural disasters and man-made disasters, a corrupt official once said a famous saying: "Save the people first, save the officials. If the officials can't survive, why should you save the people?" The iron truth of reality and helplessness!

Take the Han Dynasty as an example, the state power has a pyramid structure: the emperor (named but not powerful)--rulers (Cao Cao, Xiao Yi)--court civil and military--official officials--local officials--common people!

Government orders are passed down from top to bottom, and taxes are delivered from bottom to top. Only when the government orders are smooth, can the country operate normally. If there is a problem in a certain link, the state machine will collapse!

Lien Zhan fought, the treasury was empty, and the imperial court had not paid salaries for more than a year. The top dignitaries like Cao Cao and Xiao Yi had fiefs, manors, and treasure houses. Officials can't do it.

Minor officials are human beings, they also have wives and children, and they also have to eat, drink, and wear clothing. They all live on meager salaries. Now that the imperial court defaults on their salaries, it means cutting off their livelihood.

Officials are short of food and drink, and their wives and children are waiting to be fed. Naturally, they will resent the court. For the government orders issued, they are either passive and sabotage, or obediently obedient and obedient, and the state machinery cannot function.

Survival is the instinct of human beings. In order to eat food, wear clothes, and support their parents, wives and children, officials can only find their own way, and the most direct and simplest way is to squeeze the bottom of the people, that is, corruption!

Once the river of greed breaks its embankment, it can no longer be blocked. If the imperial court owes the officials ten shilumi, they will embezzle a hundred or a thousand shi... The oppression of the common people will be ten times, a hundred times The number of people increased, and this is the saying that tyranny is fiercer than tigers and officials are as cruel as wolves!

Therefore, after Xiao Yi got the money and food, the first thing he did was to distribute the salary, to feed and clothe the officials, to block the river of greed, and to make the state machine run, so that the people at the lowest level could be relieved!

Of course, people’s greed is endless. Even if salaries are given to officials, it is inevitable that they will embezzle and bribe the people, but the salaries must be paid first, because eating the king’s salary is a matter of loyalty, and if they are not loyal, they will be killed. Famous now!

Arrears of salary, hunger and cold, leading to officials' corruption and bribery, which is intolerable in the law of the country and understandable in reason, even if you want to kill corrupt officials, you can't lift a knife!

On the contrary, if all the salaries have been paid, but the officials still take bribes, then one should be arrested and killed, and the killing will be done with confidence, and no one will beg for mercy.

The merchants were very efficient in their work. The money and food they promised in the evening were delivered the next day. There was a long queue of vehicles in front of Taicang. The treasury, which had been empty for more than a year, finally regained some confidence...

As for the houses, fields, and livestock donated by the merchants, they were handed over to the local government and used to help the people. The development of mines required a lot of manpower, so many craftsmen and peasants had to be recruited to solve the problem of feeding many people.

"Taicang has issued salaries, everyone go and get Lumi!"

"Da Sima has great powers, and he got money and food overnight. He really is a capable minister in governing the world!"

"Xiao Lang is the reincarnation of the god of killing, not the reincarnation of the god of wealth. Could it be that there is fraud in how he got a lot of money and food?"

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