Fang Xiaoyu's initial words made Xia Houfeng feel sad for a while, but when he heard a hint of relief in Fang Xiaoyu's tone later on, Xia Houfeng's heart ignited with hope again. He raised his head and asked eagerly: "Unless what? What is there?
Method?"
Fang Xiaoyu said: "Unless Marshal Xiahou directly applies for a loan from the Bank of China."
Xia Houfeng was surprised and said: "Isn't China Bank your property? Why should you apply for it? As long as you agree, you can get a loan?"
Fang Xiaoyu shook his head and said: "Although China Bank is my property, the banking industry is very particular about credibility. If we make loans to outsiders at will without going through review, it is likely to cause bad debts that cannot be recovered and the capital chain will be broken. If that happens, I
Our bank is about to close down, so we must abide by the bank’s regulations, and there’s nothing I can do about it.”
Xia Houfeng didn't understand economics, and they didn't understand a word about bad debts and broken capital chains, but he understood the final collapse, so he could only nod and agreed to Fang Xiaoyu's suggestion.
Fang Xiaoyu only helped Xia Houfeng apply for a loan. The specific negotiation was naturally Zhao Qingyun's responsibility. In the end, Xia Houfeng hoped to use the land in various counties in the East China Sea as collateral to apply for a huge loan from Zhao Qingyun.
After analyzing the situation at home and abroad for a while, Zhao Qingyun said that the current domestic situation is turbulent and the Xiahou family is too weak and can easily be annexed by the other three families. In order to protect the bank from losing funds, he will not grant loans.
Xiahou Feng was extremely disappointed with this. Finally, under Fang Xiaoyu's kind words, Zhao Qingyun reluctantly agreed to use the three counties as collateral to loan the Xiahou family 3 billion yuan with an interest rate of 5% and a two-year deadline for repayment.
After receiving the money, Xia Houfeng felt very uncomfortable. When did the Xiahou family, the powerful royal family of the Lanfang Empire, need to mortgage their land in exchange for funds? This is really a turn of events. After obtaining the funds, Marshal Xia Houfeng decided to leave immediately
, Fang Xiaoyu knew that the three counties of Donghai were waiting for money, so he did not try too hard to persuade him to stay, but sent him to Baishan City.
"Marshal, maybe you can't understand, but our China Consortium relies on systems and disciplines to develop into the scale it is today. If the rules are broken, my consortium may collapse in an instant, so even I can't be an exception.
I hope Marshal Xiahou can understand." Fang Xiaoyu explained to Marshal Xiahoufeng earnestly.
Marshal Xiahou Feng nodded and said: "I understand this. If our Xiahou family could formulate such a system at the beginning of the founding of the country, I believe we can be strong forever. Unfortunately, our country has too many situations that are based on the emperor's personal will.
.”
Fang Xiaoyu took a check from Elena behind him and sent it to Xia Houfeng: "Marshal Xiahou, thank you for taking care of me over the years. I have nothing to give you. This check of 100 million yuan is mine.
I will give it to you for emergency purposes. You can exchange it for cash at the China Bank in various counties in the East China Sea."
Holding this check, Xia Houfeng burst into tears: "Xiaoyu, I really don't know how to thank you."
Fang Xiaoyu sighed and signaled to Xia Houfeng that there was no need to do this. He thought to himself, if it weren't for me, maybe the Lanfang Empire wouldn't have collapsed so quickly. This can be considered as compensation for your concern for me over the years.
Fang Xiaoyu sent Xia Houfeng away, but he didn't know that Zhao Qingyun was traveling to East China, and Tobol and the three drank together, showing off the loan to their two good friends while drinking.
Hua Dongxing said: "Let me tell you Qingyun, what you did is a bit unethical. You actually kept the young master in the dark. If the young master knew about your plot, he wouldn't skin you."
Zhao Qingyun smiled and said: "I bought three wealthy coastal counties in the Lanfang Empire for three billion yuan. The young master didn't even have time to reward me, so how could he take my skin off."
Tobur smiled and said: "If someone repays the loan, aren't you happy for nothing?"
Zhao Qingyun smiled and said: "I have done an in-depth investigation of the Xiahou family. Now they have to maintain a huge naval fleet, build a new army to protect themselves, and restore the economy. They will not be able to even pay back the loan interest within five years."
.Even if they have private savings and can afford to repay the loan, my money is not so easy to borrow. Do you know how much interest they have to pay back?"
Looking at the two people looking at him with big eyes and small eyes, Zhao Qingyun smiled slightly and said: "I gave him 5% interest, but the contract said monthly interest instead of annual interest. Do you know the difference?
"
Huadongxing knew a little better, but he didn't say it. Instead, he looked at Zhao Qingyun with a smile. Tobol didn't understand at all, and he quickly urged Zhao Qingyun to tell him the difference.
Zhao Qingyun said with a smile: "The monthly interest of 5% means that 5% of the loan must be repaid as interest every month, which is 1.5 billion yuan. If they do not repay it that month, the interest will be rolled into the principal, and the next month's payment will be transferred to the principal."
The interest has become 1.575 billion Chinese dollars, and if the interest keeps compounding like this, they will have to pay back nearly 10 billion Chinese dollars in two years. Do you think we have made a profit?"
Tobol suddenly realized it. He pointed at Zhao Qingyun and smiled: "I know now that you are the biggest bastard and liar among the Chinese leaders."
Zhao Qingyun calmly took a sip of wine and said, "I'm very happy to receive such a high evaluation from you."
Tobur said: "Be careful when having financial dealings with you in the future, otherwise you will sell me out."
As soon as Tobol's words came out, the three of them burst out laughing. All three of them were very drunk that day, and later had to be carried back home by the guards. According to Zhao Qingyun's family members later revealed that that night, Zhao Qingyun went crazy with alcohol and kept talking.
Shouting: "I've earned it."
Sometimes he sang "It's so cheap." His tone-deaf and sad singing voice made all the nearby watchdogs howl all night. Afterwards, Zhao Qingyun was nicknamed "Moonnight Wolf King" by his friends to make fun of his singing voice.
The howling of wolves makes nearby dogs uneasy.
As the Cheng family's funds began to be tight, the Cheng family's army began to plunder civilian property wherever they went to supplement military expenditures. This caused complaints from the people in the areas they occupied. Many riots occurred in many places where the garrison was weak. People who rose up in resistance captured the government and opened up
The granary of the rich distributes food to the poor, thus gaining more users.
The scale of the riots became larger and larger during the activities of smashing rich households and providing relief to the poor. Many poor people who could not survive joined the ranks of the riots. There were signs of instability in the entire area controlled by the Cheng family.
In order to suppress more and more riots, the Cheng family had to stop after occupying Hudong and Sichuan East counties. The Cheng family began to use slaves from their plantations to train garrison troops, hoping to use them to suppress the riots.
Using these slaves was a last resort. Cheng Yuhuan did not dare to trust these slaves too much, fearing that riots would also occur among them, so Cheng Yuhuan only equipped these slaves with cold weapons and old-fashioned matchlock guns.
Such poor equipment made the slave garrison not much different from the weapons used by the rioting people. In addition, the morale of these slaves was not high, so the slave garrison could only barely maintain local security and was unable to extinguish the riot.
Cheng Yuhuan underestimated the changes in the situation beforehand. As a military layman, he only thought that he could win as long as the number of troops was large. Therefore, after training millions of civilian troops, he secretly sent people to assassinate the emperor and the prince. Originally, he thought that he
With the advantage of numbers, he can occupy most of the Lanfang Empire with overwhelming force, or even directly wipe out several companies.
Cheng Yuhuan was too naive, and his plan was repeatedly frustrated from the beginning. First, he failed to keep Xia Jun and Xia Houfeng in the capital, allowing them to lead their remaining soldiers to flee back to their respective territories. Then, he trusted Xia Houhuan too much, and as a result, they
Not only was Fang Xiaoyu driven out of the capital in a daze, but Xia Houhuan also lost his life.
Ever since he was expelled from the capital, Cheng Yuhuan had not heard anything good. Fang Xiaoyu took the blame for the wealth he had spent so much effort in the capital, but the blame was placed on himself. Later, Lanfang Coin became
Not only did he suffer heavy losses by stealing waste paper, but his Huitong Bank also collapsed completely, and now he has caused riots because of the looting of people's property.
Cheng Yuhuan also knew very well that he should not be too cruel to the people in the area under his control, but the lack of funds forced Cheng Yuhuan to do so, and using slaves to suppress the riots was just poison to quench thirst. Since a large number of slaves were transferred into the army for maintenance
Due to public security issues, the Cheng family's major plantations in the south began to lack manpower. There was a very shortage of manpower for farming. He didn't even know how much food he could harvest in the next harvest season.
Cheng Yuhuan gritted his teeth when he thought of food. He didn't know what luck Fang Xiaoyu had that allowed him to produce such high-yielding food. What was even more annoying was that the food they planted could not be cultivated again and had to be re-cultivated.
Li purchased a large amount of grain produced by the Chinese collar for his own plantation, but he had no harvest that season. Fortunately, he did not plant all the plantations with grain from the Chinese collar, so he did not suffer a complete loss.
Cheng Yuhuan, who was already suffering from internal and external troubles, knew that he had to make a decision as soon as possible. If he continued to delay like this, he would be dragged to death by just delaying it without the help of the Chinese leader and the Xia family. Now, because of the Lanfang Coin incident, he has caused an international scandal.
People support the Cheng family, but now he is a little desperate.
Different from Cheng Yuhuan's embarrassment, the Xia family and the Wang family escaped the disaster of Lanfang Coin due to Fang Xiaoyu's help, and their assets did not suffer any loss. With sufficient funds, they naturally did not need to plunder. They settled wherever they went.
Apart from replacing all the officials with their own people, it did not have any impact on the local area, so they could control the rear with a small number of troops and free up a large number of troops to continue advancing.
Since the Wang family has been established for a shorter period of time than the Fang family, they naturally lack financial resources. Although they have accumulated some savings after working with Fang Xiaoyu for several years, the family's financial resources are not strong enough after all. After swallowing up the West Sichuan County, their stamina is somewhat weak.