Unlike the north where the Tartars are disturbed and heavy rainstorms, the southern part of Shanxi has always been peaceful, and these days there are also good weather with bright autumn weather.

Pingyang Prefecture, ancient books record it as "Yaodu Pingyang", and it is also Jizhou among the nine provinces. The current prefecture is located in Linfen County, with 6 prefectures and 28 counties under its jurisdiction. It is the most prosperous place in southern Shanxi.

Because it is free from the troubles of the Tartars, and the fertile land and developed commerce, Yang Bo, who resigned from office, lived in Pingyang City for nearly a month before returning to Puzhou.

As the saying goes: one place raises people in the land and the other. Shanxi merchants mainly focus on Pingyang Prefecture and Taiyuan Prefecture. Chen Boren, the current president of Shanxi merchants, is a person in Pingyang Prefecture.

Chen Mansion, this large mansion covering an area of ​​20 acres, highlights the style of Jiangnan. It has lakes and scenery, but it took ten years to build a famous artist.

It was in the morning that many guests walked into the Chen Mansion with posts, which looked extremely lively.

"Shopkeeper Chen, the rice price has soared this year. Have you made a lot of money by hoarding rice?"

"Haha... I just have enough food and clothing, unlike your salt and gold that makes you worth a lot of money!"

"The salt now is really a matter of joy and sorrow. I'm thinking about whether to try the business in the north with Brother Fan!"

...

Several Shanxi merchants seemed quite familiar. After handing over posts and gifts, they met here and started chatting, but they were talking about their respective business situations.

After registering the names and gifts of these people, a seemingly stable official immediately handed the servant in green next to him a wink, and the servant in green immediately led the person into the house.

After passing the corridor and the courtyard gate, I soon came to an open platform, which was adjacent to a garden view, especially the centuries-old ginkgo tree, which was quite pleasing to the eye.

There are dozens of chairs and tables placed side by side here, like an enlarged conference hall. There are dozens of people sitting here, and there are also whispering and chatting here.

Following the court's village party, Shanxi merchants had long become the most famous branch of the Ming Dynasty. Since they have always regarded Huai salt and smuggling as the largest input, the internal commercial conflicts were the weakest, so Shanxi merchants were extremely

A cohesive business group.

Convened by President Chen Boren, all the great Shanxi merchants who were able to come this time have arrived here, and each of them is the best among Shanxi merchants.

In fact, not only the Shanxi merchants, but also the sons of Yang Bo, Huo Ji's sons and Wang Chonggu's sons were among them, and there were also representatives of Zhang Siwei's family who were both in charge of officials and businessmen.

This place can be said to have gathered the upper class of Shanxi. A Shanxi merchant suddenly said happily: "Here you come!"

Everyone immediately turned their heads and looked over, but saw Chen Boren wearing a square scarf, a brown robe and a silk ribbon tied with his waist, walking over with his slightly fat belly.

In addition to Chen Boren, there were also Mr. Yang San and Mr. Huo Er. Since they were not the eldest sons, the official position could not fall on them, and they were fully responsible for the financial power in their families.

Chen Boren seemed polite to let the two noble men sit down, then made a few polite words to the guests present, and finally said straight to the point: "Today, the President called you to gather in the humble house. One is that I want to talk to you about the past, let's Jin.

Merchants should take care of each other and communicate with each other; secondly, I discuss with Mr. Yang, Mr. Huo and others, and I want to build... Shanxi Silver House with you!"

As the share of Huaiyan became smaller and smaller, and the smuggling trade in the north was almost cut off by Lin Weiran, the Shanxi merchants had to seek transformation and find a new way of wealth.

Over the past few days, many Shanxi merchants have transformed and even tried to trade in seas. They are just like crossing mountains, especially when they travel to Ningbo or Guangzhou, it is extremely inconvenient for them to travel to Ningbo or Guangzhou in Shanxi.

As for opening shops in Beijing, Nanjing, Suzhou and Hangzhou, these businesses are also profitable. However, after a comfortable life of making money every day, the daily investment of a few taels of silver makes them really unable to get excited.

Although Chen Boren has found a position as a salt merchant, his life is not as prosperous as before. Especially as the president of the Shanxi merchant, he cannot only think about himself.

After many research and investigations, his eyes were fixed on the most dazzling joint money house today and decided to follow the example of the joint money house to create a bill account belonging to them Shanxi merchants.

Although their financial path was almost blocked by Lin Xuran, when it comes to financial resources today, Shanxi merchants can still rank among the top. In particular, this lending was originally their old business, but now it is just to concentrate everyone's funds.

Let’s build the lending market together.

Of course, in order to gain recognition from the court and to successfully seize the foreign market, they cannot put interest too high, and everything must be followed by the United Money Bank.

"President Chen, it's good to have a silver account together, but I'm afraid it will offend people!" Zhang Mancang's whole body was trapped in a chair, but he was wiping his big belly and said authentically.

As soon as these words were spoken, the Shanxi merchants next to them nodded in agreement, which also saw a major disadvantage of the silver account.

With the emergence of United Money Bank, they naturally pay attention to this model and are also jealous of the benefits of United Money Bank. Some people have even tried it.

Money houses are naturally a business transaction. No one of the most profitable businesses in the world can compare to usury, otherwise high-tech companies in the world have entered this business one after another.

However, there are many problems with lending. Not to mention whether to enter other people's territory to grab business, the debt collection alone is a problem.

They put usury on their own territory and naturally know the situation of the lender. Even ordinary farmers can squeeze back enough principal and profits. If it really doesn't work, they may allow the borrower's children to continue to repay, or even be able to do so.

Let their brothel have one more employee.

But when you go to other places, you will not be tolerated by local forces, and it will be difficult to effectively deter the lending targets or squeeze the surplus value of the lending targets, and thus make them lose all their money.

Chen Boren picked up the teacup and seemed to be in the hands of Zhizhu and said, "This will naturally offend others, but United Silver Bank has found a way for us!"

"What way?" Zhang Mancang and others immediately asked with interest.

Chen Boren took a sip of hot tea and then said to everyone's eyes: "We can learn from the model of the joint money house and conduct joint ventures with local gentry in other places. They will do the collection work!" Speaking of this, first of all,

He gave a wink to the confidant next to him, and then said with a smile: "This is my plan to set up the Shanxi Silver. Everyone can take a look!"
Chapter completed!