Volume Five Chapter 89: Borrowing money, making a living with money
Feng Ziying didn't pay much attention to Jia Lian's visit.
The Jia family has been in trouble for the past two years. Now they have to pretend to be wealthy and build a garden, and they have to compete with other noble concubines for honor. How can Lin Ruhai's 150,000 taels of silver help?
These days, things in the capital city are very expensive. Most of the large trees, strange stones, flowers and trees are shipped from other places. A hundred taels of items would cost thousands of taels when brought to the capital city. But for the high-ranking officials, as long as they can
No matter how expensive it is, you still have to live with it to maintain your dignity and appearance. This Jia family is a typical example of a man who tries to make a fool of himself by pretending to be fat.
Those families all have some profitable businesses, like the Wu family and the Zhou family, who are both concubines, either have fleets on the canal or caravans in Shanxi, but the Jia family basically relies on some Zhuangzi.
There are only a few shops that pay rent, such as rice shops and oil shops, but they have long been in poor management and cannot make ends meet.
"Brother Lian, it's not that I don't want to lend you money. You also know the situation of my family. I guess Uncle Shibo probably came here for the little money that Sister Lin has left. Sister Lin has a hundred thousand taels of silver.
I bought shares in Haitong Bank, and then bought some land outside Yangzhou and Jingshi City. I only have ten to twenty thousand silver left. I just put it here for emergencies. If I really want to borrow it, I have to contact Lin
My sister said..."
Jia Lian also had a shameless face. He didn't want to get involved in these matters at all, but he was the eldest son of the Jia family after all, so he couldn't ignore the Jia family's affairs.
Due to the pressure from his father and second uncle, if he doesn't come, who will? Is it possible to let Baoyu or Sister Feng come to the door?
Jia Lian, who was sighing, could only nod: "Ziying, you know what I'm thinking. After all these years of hard work in the Rongguo Mansion, there is really only this piece of skin left. This garden has cost so much."
How useful is the money to repair it? How many years can the eldest daughter come back? Leave it here, it is a waste. If it is sold, it cannot be sold at a high price, and it is also connected to our mansion, so there is no way to sell it. You think it is a waste of money.
What kind of energy is that?"
Feng Ziying smiled and said nothing.
"I know you can't stand it, but what can the second brother do in this family? The eldest girl is a noble concubine, and every family is struggling to make things prosperous. Our Jia family is also a hairpin family after all.
How can I lose my face? How can I hold my head high in the palace in the future?"
Jia Lian also sighed sadly, "It seems to be the same truth, but the Jia family really can't afford it now. The people in the government say that if the imperial concubine is good, our Jia family will be fine. In my opinion, it will take two years."
He said, "I have been in the palace for so long, but I haven't seen the eldest girl bring any benefits to our house. The second uncle always said that we can't drag down the imperial concubine. The second aunt also has to help the eldest girl in the palace from time to time. What do you think?"
What's it called?"
This is something Feng Ziying has never heard of. Jia Yuanchun has not mentioned how to support the Jia family in the palace. After all, he has only been in the palace for a short time. It is impossible to say how powerful and influential Jia Yuanchun is.
Family support, what does this mean?
As far as he knew, Emperor Yonglong's new concubines should be a strategic move with certain intentions.
Jia Yuanchun's appointment as a concubine was more to appease the Wang family, the Jia family's martial arts, and the concubine's contribution, so after the concubine was granted the title, it was purely a superficial reward, and usually did not go to the wombs of several concubines at all.
Even the concubines who gave birth to so many princes for him rarely visited him. They mostly asked the chamberlains to take the underage princes to his own palace or study, not to mention the adult princes.
Already.
"Why, the palace still needs to help the imperial concubine?" Feng Ziying frowned.
Jia Lian also felt that he had made a mistake, but then he thought about it, if Feng Ziying married Lin Daiyu, then even if Feng Ziying could not break off the relationship with the Jia family, there was no need to hide such things from him. Besides, with Ziying's ability, she could still
Help me with some ideas.
"Well, after the eldest lady entered the palace, her situation was not very good. The eunuchs in power in the palace were all snobs. If they didn't have money, they would rarely even droop their eyes. The imperial concubine was in a better situation, anyway.
There is still a bit of love for the concubine, but the eunuchs in the palace on the emperor's side are lukewarm towards the concubine, and the noble concubine is also in a difficult situation..."
Jia Lian was a little careful when he said these words, but Feng Ziying could understand that those eggless guys had no other thoughts. In addition to money, they probably only had money in their hearts.
"The days in the palace are not that easy. The eunuchs and maids have been there for a long time, and they are probably not in their right mind. It is really not easy for the imperial concubine to gain a foothold in the palace." Feng Ziying could only say calmly.
He gave some comforting words.
"Yes, so sometimes the imperial concubine asks Baoqin to bring a letter out, and the second aunt wipes her tears. Later, she inevitably has to send some money in..."
Jia Lian's voice became softer and softer. Feng Ziying estimated that this must have come from Wang Xifeng's mouth when Jia Lian and Wang Xifeng had a verbal confrontation. After all, she was in charge of the company's money.
Seeing Jia Lian's low tone and lonely look, Feng Ziying felt a little aggrieved for him in her heart, but given his status, as the eldest son of Rongguo Mansion, he could not avoid it no matter what, even if you said you didn't want the title.
In addition to rights, responsibilities and obligations cannot be escaped.
"Okay, Second Brother Lian, don't think too much now. I'll take some time to go to your place and talk to Sister Lin. You can still get 10,000 taels of silver. I guess Sister Lin won't either."
Do you agree? It's easy to borrow two to thirty thousand taels of silver. You'd better leave this New Year matter to your second sister-in-law. Our Haitong Yinzhuang Jingshi Hao is developing so fast. It's not enough to just get the money back. All that is required.
It pays interest, so it has to be released. In addition to a few things promoted by the court, it is also necessary to consider lending it to other stable sources. For example, if you say that Concubine Mei’s brother comes to borrow money, don’t worry about him beating it.
No matter what banner or excuse, it doesn’t matter. I don’t have to worry about them not paying it back..."
Feng Ziying's words made Jia Lian relax his brows a little, "That's all it can do. Having said that, "Today's News" is really effective. In the past few days, most of the people who came to the account asking about deposits and interest rates were of some wealth.
When the gentry and merchants asked, they all saw it in "Today's News" and found it strange, so they came to inquire. Although there were not many people who actually saved money, only three to five hundred taels, this sign was very good.
,…”
"It seems that what we are worried about now is not that there are too few people coming to deposit money, but that there are too few people coming to borrow money." Feng Ziying couldn't help but shake her head.
It's not that there are few people borrowing money, but that there are not many high-quality customers with low risk to borrow money. This has become a problem for the Jingshi. In comparison, the loan situation on the Yangzhou is much better.
This also shows the huge difference in the economic structure between the north and the south. The capital mobility in the north is obviously inferior to that in the south. This is still in the capital. It is mainly due to the inflow of funds from the imperial government and these officials.
The gentry obtained this silver through non-industrial and commercial income and hoarded it in the capital city.
So in a sense, it is easier to form a group of rentiers here who rely on these funds.
But from another perspective, if the money can be loaned out through Jiangnan and invested in the expansion of industry, commerce, maritime trade and other industries, it will undoubtedly be able to gain huge profits and promote the development of these industries.
"Ziying, I don't think this is a bad thing. Anyway, didn't you say that the Ministry of War is also stretched to prepare for the construction of the Denglai Navy Fleet and is ready to borrow money from Haitong Bank? We have raised so much money, if this order is to be done,
If we succeed, we have to lose only half of it. We can get rid of 1.5 million taels in the blink of an eye. We don’t have to worry about not being able to get it back. We use the Changlu Salt Class as collateral, how fast is that?"
Jia Lian has been busy promoting this loan during this period.
Wang Ziteng repeatedly approached Zhang Jingqiu and Chai Ke for matters concerning Denglai. From the construction of shipyards to the establishment of a naval fleet, a large amount of money was invested, and Ningbo's ship dealers chose a site to build a factory in Dengzhou.
, in addition to their own investment, they also need the guarantee of the court to borrow money.
After the Ministry of War allocated money to the northwest three sides and Liaodong, there was not much money left to deal with Denglai's needs. Therefore, Wang Ziteng also ran around to build momentum for this matter, saying that if the Denglai Navy and the Liaonan Denglai route
Without opening up, Liaodong will inevitably become an orphan. This momentum also received strong support from the northern scholars in the court.
Jia Lian's mentality is undoubtedly narrow-minded and he only wants to focus on the court for lending. Of course, from a security perspective, this idea is correct.
When the risks of commercial lending are difficult to control, it is much safer to choose the court to lend. Moreover, the court loan not only has thick and safe guarantees, but also a huge number of loans. One loan can equal dozens or even dozens of loans from Yangzhou.
With hundreds of transactions, the cost of risk control is actually much smaller.
However, this loan is still under discussion. The main reason is that Wang Zitengshishi has a big appetite. Both the Ministry of Revenue and the Ministry of War find it difficult to accept it. It is estimated that the final amount may be between 800,000 taels and 1.2 million taels.
If you add in the project loan for the coal and iron production complex that will be finalized soon, then Haitong Yinzhuang Jingshi, which has just officially opened, will really have a very good start to the year, this year alone.
The expected benefits will make all shareholders smile from ear to ear, and as Jia Lian's boss, Jia Lian's income will naturally be considerable.
"Second brother Lian, we can't expect too much from this kind of thing. Taking small steps quickly is the key. Loans like Linqing's tribute bricks only cost thousands of taels of silver, but eight out of ten companies have tens of thousands of taels of silver.
There is no need to worry about the market for the tribute bricks that come out. Didn’t you even spend thousands of taels of silver to buy your homes?” Feng Ziying smiled and shook her head, “But generally speaking, the more the merrier.”
Jia Lian naturally understood what Feng Ziying meant and nodded in agreement.
As if he remembered something, Jia Lian, who had originally planned to leave, sat back again and hesitated for a while before saying: "Ziying, what do you think about what I told you last time?"
Feng Ziying was stunned. After recalling it for a long time, she couldn't remember anything. "Brother Lian, your question has confused me. What's the matter?"
Jia Lian sighed and shook his head. It seemed that Feng Ziying really didn't take this matter to heart. She had the intention not to say anything, but she was a little unwilling to do so. In the end, she smacked her lips and said, "It's just about the second sister."
"What about the second sister?" Feng Ziying suddenly realized, "Uncle Shishi doesn't want the second sister to marry that Sun Shaozu?"
"No, but during this period, the master has been focusing on the garden, and Sun Shaozu has come less often. But I know that the master has received money from Sun Shaozu. That day, Siqi came to me and said that the second sister was unwilling to marry.
Sun Shaozu, a vulgar man, begged me to give him a nice word in front of the master. The second sister later came to me and told me about this matter. Well, I told my wife that she was not willing for the second sister to marry that guy Sun Shaozu. It’s just that
But I can't disobey the master..." Jia Lian was also worried.