In Guangzhou, workshops were suspended and many shops were closed. From the governor's office on down, most of the officials who were usually driven by Chen Kai without touching the ground did not come to duty.

After many years of recovery, the population of Guangzhou has continued to rise. Many houses and houses that were originally vacant due to the massacre have been sold and rented out by the government. At this time, each household posted slogans on the door frames to express their wishes.

There are many requests for the coming year.

The streets are filled with the smell of gunpowder left by the explosion. Most people have nothing to do and have no desire to work. They drink alcohol and play cards all day long. Even those yellow children come in groups to beg for money. It seems that the whole of Guangdong has fallen into

In the midst of collapse...

Probably, in the eyes of pessimists who don't understand Chinese customs, the Spring Festival is just such a day, but in the eyes of Chinese merchants, the Spring Festival is a rare peak season, and it has been like this for thousands of years. Even in such troubled times, it cannot be

Unsurprisingly, this is the case in other places, let alone Guangdong, which has been recovering for two years.

However, the economic crisis does not exist, but those members of the Guangdong Business Alliance who are interested in launching the newly established ticket business in the first month also have no intention of doing so.

It was decided to start the business in the twelfth lunar month, and it soon received capital injection from the Guangdong Trading Company. After comprehensive preparations in the first month, on the first day of February, an original shop on Shuangmenxia Street, the busiest commercial street in Guangzhou, passed through.

After being renovated, it finally officially opened for business.

The crowds of onlookers have already filled the place where you can see the place. In front of the gate, there are dragon and lion dances, which is very lively. The content of the plaque is a little different from the previous ticket numbers. It is not the words of a certain number, but a certain number.

It just has six big golden characters written on it: Guangdong Development Ticket Number, which seems to have no cultural depth.

However, such a straightforward name further confirmed the recent rumors, making the gentry, merchants and ordinary people in Guangzhou have more expectations for this newly opened ticket account.

Like other workshops and shops in the Guangdong Commercial Alliance, this place is also formed by joint stock. However, compared with those places, there are huge differences in regional divisions. The shareholders here are from various prefectures and counties in Guangdong.

Yes, the ticket numbers are also opened in each prefecture at the same time, the one here is just the main number.

The shareholders and shopkeepers are already entertaining the gentry and businessmen. Most of these people are well-known people, and they are specially invited by the shareholders to support them. Naturally, they have to be taken care of. They are like this, and the guys below are not.

When I was idle, I worked hard to promote the marketing slogan of the ticket number to the people who were watching the excitement.

"As long as you save money, you will be given interest?"

"It's not about giving interest as long as you save money. It's about regular savings. When you save enough, you will only be given interest within an agreed time limit."

"To put it bluntly, don't you just want to use our money to do business?"

"That's how it is. However, if you just sit at home and get money for nothing, you don't need to take risks. That old man Fujun is really good at calculating."

"..."

Laymen watch the excitement, while experts watch the door. By agreeing on a time limit, you are actually using interest to induce savings, while avoiding risks and reducing the risk of bank runs.

Earlier, there were rumors in Guangzhou city that Chen Kai's Guangdong Trading Co., Ltd. had invested in a bank, which was still based on the model of the Guangdong Business Alliance. Chen Kai's ability, coupled with the previous experience of the Guangdong Business Alliance,

The successful cases have aroused the interest of many gentry and common people in the market. The interest spread rapidly among the visits to relatives and friends in the first month, and at the same time, it continued to ferment. Today, the true face of Lushan has finally been revealed.

The more people gather, the more people gather together. The mentality of following the herd is a common feature of human beings, and few people will not be affected by it. The bustle here has pushed the atmosphere of Shuangmenxia Street to a new level, and there are indeed some people invited to manage it.

I don’t know if it’s a deliberate show off or if I’m really interested in it, but it’s undeniable that the interest is attractive, especially when you can enjoy the benefits without doing anything.

In the eyes of more people, this is nothing more than a question of credibility. It is undeniable that Chen Kai's prestige, coupled with the successful cases of the Guangdong Business Alliance, are extremely convincing, and even those guys are

This is used as a theoretical basis to persuade the people, but how much Chen Kai is involved, or whether Chen Kai's background is true, it is difficult to confirm for someone who is not an insider.

More people are still stopping to watch, and some people are beginning to have their thoughts moved under the temptation. There are always a few who make an immediate decision. This has nothing to do with impulsiveness. In fact, the people watching the excitement are basically carrying shopping bags.

Savings of silver and copper coins is something unplanned, so naturally it is not easy to mix them up.

The bustle here is just like when other shops open, and most people are used to it. The new thing about saving and giving interest is really eye-catching. Logically, this kind of situation would be seen during the dragon and lion dance performances.

It gradually cooled down after the performance, but this time, the performance had just ended and before people could disperse, a member of the Guangdong Governor's Yamen personally came to congratulate him, and at the same time announced in public that the Guangdong Governor's Yamen and the Chief Envoy

The decision of the Si Yamen.

"The Governor of Guangdong, Mr. Chen, and the Chief Envoy, Mr. Wang, discussed and then initiated a vote in the Advisory Bureau. After being approved by the Advisory Bureau, they decided to use the Guangdong vassal treasury as a guarantee for the Guangdong development ticket number, and the Guangdong development ticket number was

A deposit of 100,000 taels of silver will be paid to the vassal treasury and stored in the vassal treasury for a long time to ensure the safety of depositors' savings. In the future, if the amount of savings increases, the deposit will continue to increase. The Guangdong government will protect the safety of people's savings and at the same time ensure

The people will get the principal and interest they deserve."

After reading out the official document, they exchanged pleasantries and then set off back to the Chief Envoy's Yamen. The sedan passed through the crowd smoothly, but those who watched this scene seemed to be affected by the immobilization method. They were dumbfounded.

There is really no way for time to slow down in such an unexpected situation.

"The government guarantees the ticket number?"

"Didn't I say that the ticket number must pay a deposit to the government to ensure the safety of depositors."

"Oh my God, it turns out that the previous rumors that Chen Fujun has a stake in it are true. With the current situation, I'm afraid not all the officials in the governor's yamen and the chief envoy's yamen have invested money in it."

"..."

The government was a place that ordinary people feared in feudal society, because it had the power to directly decide life and death. The corruption of the officialdom is a well-known thing, but the authority of the government itself is so great that even in today's troubled times

Don't waver too much.

The current government in Guangdong is not fundamentally an extension of the Yongli imperial court at the local level. The lack of support from the central court is a factor that will affect its authority. However, today's governor's Yamen and its subordinate chief envoy Si Yamen

, the Yamen of the Inspection Commission and the Yamen of various prefectures and counties all started from Chaozhou, which was recovered by Chen Kai and Zheng Chenggong. Step by step, until today, they have the power to regain the lost land, the tenacity to defend the territory, and the feats of rescuing the people.

The extraordinary feat of regaining the whole of Guangdong was incomparable to the imperial court that was swaying like a candle in the wind in the southwest.

"One hundred thousand taels of silver, my God! They say the Guangdong Commercial Alliance makes money, but it actually makes so much money."

"You don't even know who started it, how can you not make money?"

Confidence in Chen Kai has never been less in Guangzhou. One hundred thousand taels of silver is indeed an astronomical figure for ordinary people who only have one or two taels of silver per month, but on the southeast coast

None of the maritime merchant families involved in sea trade had a family fortune of hundreds of thousands, hundreds of thousands, or even a million taels of silver. The huge gap between the rich and the poor was the least new thing in the late Ming Dynasty. It was like a month for an ordinary person in later generations.

With a salary of several thousand yuan, you need to eat and drink. A rich person will just set a small goal first, earning him 100 million yuan. In fact, there is no essential difference.

Poverty has limited the imagination of most people. The establishment of a bank account this time is a collective action of the Guangdong Business Alliance. After the rapid development in the past two years and their past financial resources, funds are the least need to worry about.

In this regard, the credit of the Guangdong government is excellent, and the deposit of 100,000 taels of silver has undoubtedly added a great boost to the credit of Guangdong's development of bank accounts, making people interested in this savings behavior of earning interest on deposits.

More intense interest.

The crowd did not disperse, but instead became increasingly dense, so that before long, even Shuangmenxia Street was blocked.

Among the crowd, an old scholar with a gray beard blew his beard and glared, and his body started to tremble slightly. He pointed at the shopkeepers and clerks who were trumpeting the government guarantees, and at the people who were desperately pushing forward to consult, and he was mumbling something.

.

"The dignified government actually provided guarantee for profiteers. How unbecoming! How unbecoming!"

The old scholar was so angry that when a shopkeeper saw this, he quickly asked the waiter to bring a chair - the service was considerate and considerate, and he was talking about a person who reaches out and does not hit the smiling face. What's more, on this grand day of opening, if there is any trouble,

Even if they are not legally required to bear any responsibility when a human life is lost, the word bad luck cannot be avoided.

Faced with the enthusiasm of the merchants, the old scholar pointed at the shopkeeper and clerk with trembling fingers, then shook his sleeves, turned around, and strode through the crowd without taking away a trace of dust, showing the response of a scholar.

There is such an integrity that it makes the gentry who sit in the office drinking tea and chatting feel ashamed - as long as they can see it through the wall.

This is just an episode. An unprecedented new thing like the government guaranteeing businesses has happened in Guangzhou. The people naturally don't care about the etiquette. All they care about is the amount of interest and how to get it.

Interest. This is something closely related to their lives. As for the dignity of the government, it has nothing to do with it.

The bustle of the Guangdong Development Ticket Office lasted all day, and did not come to an end until the store was closed in the evening. In Zhuangyuanfang, which is far away from here, in the small courtyard near the archway, the father and son returned from work, and the old wife at home

and the young women also prepared dinner for their husbands.

The ingredients for the meals were relatively cheap, but it was obvious that a lot of thought had been put into the cooking. However, at this moment, both the father and son, and the mother-in-law and daughter-in-law were far less interested in the food than in the new things they heard today.

Only the child who was only one or two years old had better concentration.

What they were talking about was, of course, the Guangdong Development Bank in Shuangmenxia Street. The interest rate was inevitably very tempting for a family like them who had some savings but still had to work hard.

The father and son heard about it in the workshop, and the mother-in-law and daughter-in-law also heard about it. However, the younger daughter-in-law’s natal family was not far away. They met her sister-in-law while shopping for groceries, but her sister-in-law saw it with her own eyes.

From beginning to end, she didn't miss anything. But when she had enough of the excitement and thought about buying vegetables, even the vegetable sellers were scattered.

"I heard that the old scholar who lived next to our family in Chaozhou was almost angry, saying that the government was not decent in doing this."

"What does this have to do with us? That old scholar has excellent knowledge, but he is too sour, even more sour than old vinegar."

The marriage of the young couple originated from the time when the two families got along together in Chaozhou. Some of the people they met at that time were incomprehensible in the past. Even now, it is inevitable that they have less time to move around because of the difference in status. However,

As for personal understanding, these will not be lost too much in just two years. Especially like that old scholar, who opens his mouth to talk, shuts up and adheres to ethics, as if the words of the saint do not exist.

His temperament, which he can't even speak, is really impressive.

"If you deposit your money regularly for one year, you will get an interest of 15%. If you deposit it for two years, you will get an interest of 35%. If you deposit it for three years, you will get an interest of 55%. If you deposit it for five years, you will get double the interest. So, if you keep your money for five years, you will get an interest of 15%.

I can do some flipping!"

The old scholar's jokes were thrown away, and they went directly to the topic. After all, interest was their biggest concern at the moment.

Speaking of which, the regular annual interest rate of 15% does seem like a lot, but there is still a big gap compared with the normal borrowing interest rates in this era, let alone compared with loan sharks.

Chinese businessmen have always sought stability. In the primitive accumulation stage, they pay attention to a deep-rooted foundation and strive for victory in stability. Borrowing often occurs when the business turnover is not good and there is an urgent need to inject capital to tide over the difficulties. At this time, the borrower seeks to protect the capital and survive.

If you want to make a profit, you will also choose to increase the interest rate, which makes the private lending interest rate in this era remain high.

When borrowing money, you always have to worry about the other party's ability to repay. However, Guangdong Development Bank obviously did not borrow money because they were poor. Since they can provide the deposit of 100,000 taels of silver, they can also get the government to guarantee it.

, obviously there is no shortage of money. If we want to start such a business now, naturally it will not be some nonsense like benefiting the countryside.

"I heard from Lao Zhao that the money saved will be used for business. Now the Guangdong Business Alliance's various businesses are making money, so I'm not afraid of not being able to pay it back."

Lao Zhao was the accountant of his workshop. He was very careful with his calculations on weekdays and could make a fortune with just one penny. However, he never hesitated when it was time to spend money, and he was much smarter than those who worked dully like them.

.

Such people can see it very clearly, and they are obviously thinking about it. As for the repayment issue that they are most worried about, if they don't talk about it, if they can't pay it, isn't there Chen Kai? The prestige of the governor

It is still well-known in Guangdong. Since he has said the word of guarantee, it must be a spit and a nail, and there will never be any problem. As the head of the family, he has already been tempted. But, how much should be saved?

How long, this still needs time to figure out.

Three days later, after constant discussions and repeated consultations with Lao Zhao, they finally decided. On the day of Xiu Mu, the family went straight to the ticket office with their savings. When they arrived,

It was so crowded that the housewife couldn't help but complain that it was too far to start.

The daughter-in-law is taking care of the children at home, and she has to rush back to buy groceries and cook, so there is really no need to delay. She is a little anxious here, especially since she still has to queue up and is still far away from the place of arrival.

She had already thought of going back, but her husband and son, while equally anxious, were suddenly attracted by another thing.

"Look, isn't that the old scholar's son? Isn't he here to cause trouble?"

The old scholar's son has already come out of the ticket office, holding the ticket receipt and contract tightly in his hands. Anyone who is not blind can see the excitement on his face. He has been a neighbor of this family, although he is a scholar and craftsman.

Although his status is not good, he had troubled others a lot when he was in Chaozhou. When he saw him here, he went up to say hello.

"I heard that your father is not very happy about the government's guarantee?"

"My father thought about this matter for a few days after he returned home. He felt that since it was a business of Chen Fujun's family, he still had to support it. As a man, you should repay kindness. Everything else is just trivial matters."
Chapter completed!