"Official loans are issued by a separate bank and have nothing to do with our Dajiang Bank. This will make it easier to deal with debt collection and blackmail in the future. Zhang Pu controls the imperial examination, and we can fish in troubled waters. Through this official loan, we can make money in the officialdom
Go among your own people."
In the Yinzhuang meeting room, only Pang Yu and Liu Ruogu were left to arrange the operation of the Yinzhuang. Zhou Yueru and Jiang Fan did not need to attend. Liu Ruogu nodded and said, "The official loan of Baimen Yinzhuang has been released.
Eleven people, and five people who are preparing for special money lending, two candidates and three scholars, who previously owed gambling debts at Baishun Hall in Nanjing and Suzhou, and one Ying Wen
The books are all here, and the longer the days go by, the more I owe. I will succeed in the trial in the future, so I can only listen to the adults."
Pang Yu took a look at the list and saw that there were no impressive people. These people who could owe debts in Baishun Hall must have been gamblers in history. Most of them did not win the list in the end, but that may not be the case now. "The ones from Nanzhili
The rural examination is controlled by Fushe. The affairs of these three scholars are easy to handle, but don't go directly to Wu Changshi for help. You can go around from Ruan Dacheng to Zhang Pu. Don't let people know that we are asking for help. The same is true for the two candidates.
this."
Liu Ruogu did not ask Pang Yu how he would use these people in the future, but planting eyes and ears in the court was something that must not be known to anyone, so he had to go around Ruan Dacheng. Pang Yu frowned slightly and thought for a moment and said,
"The bank has always done well, but deposits are still too slow. Now that the Jiangnan Times has been distributed to the canal, more people know about it. The bank's behavior must also be changed. From now on, things will be done according to the new rules, and withdrawals require collateral.
, Anqingying withdraws money from Yinzhuang in the name of Dajiang Shipbuilding. The mortgage is the shipyard’s annual income, and annual interest must also be paid. In this way, Yinzhuang can make money in its accounts, which will be published in Jiangnan Times every three months.
Post it on the Internet to let everyone know that the bank can make money, and depositing silver means sharing the profits from the bank."
Liu Ruogu thought about it and said, "Now that the annual interest on the bank deposit is one yuan, and then the loan is loaned to Dajiang Bank, the annual interest will be higher." "Is this given to myself, one yuan and five yuan or two yuan?"
It doesn't matter, the accounts must be good-looking, and the silver Su Song got is also put in. Now Yinzhuang has 4.3 million taels of silver, most of which have to pay interest. These all belong to Yinzhuang.
The annual interest on debt is more than 300,000 yuan. If the bank does not have a clear way to make a profit, others will not feel at ease."
"But the boat shop can't make hundreds of thousands of taels..." Pang Yu waved his hand nonchalantly, "There are very few people who know about things on the river. With such a long river, others can't investigate it in detail. You can make up some stories.
The Anqing Navy controls the river. You can say that Dajiang Shipping Company has a monopoly on the business on the river. In the future, shipping insurance can be increased. Caobang also has businesses at various docks. They can all be counted as businesses. They can be put together in Dajiang Shipping Company. See
As long as it can make a profit. The annual interest of one dollar is an effortless profit.
People are generally more optimistic about profits and ignore risks. As long as they have a reason, they will save money."
"I understand, little man. It's just that the shipyard really can't make the money. After all, it's the bank that pays the annual interest."
"As long as people keep depositing money, the bank can afford annual interest."
Liu Ruogu hesitated for a long time and finally asked, "What if one day, there are less people saving money..."
Pang Yu smiled after hearing this, and after a while he said, "If that day comes, it means that we cannot maintain our debts. When we settle with all parties, how will we settle the settlement? I have already said the answer
It's over." Liu Ruogu didn't react for a moment. Pang Yu looked at him and smiled and said, "We haven't even done business in the capital yet, and the private bank deposits are far from exhausted. The bank now only cares about two things. One is
To increase deposits, the second is to increase collateral, temporarily
Don’t worry, someone will deliver both of these.”
…
Outside a small building on the bank of the Qinhuai River, Yu Mian Building, Pang Yu stood outside the door, looking at the two people who came in, cupping his hands, "I've seen Mr. Fang."
Fang Kongzheng was in the lead, followed by Fang Yizhi. Pang Yu took a look and saw that Fang Yizhi was wearing short clothes and carrying a sword on his waist, looking very heroic.
He first greeted Pang Yu, who smiled at him and said, "Mi Zhi came on horseback." "I came here on horseback with my father. My riding skills were also taught by my father." Fang Yizhi said with excitement on his face.
"This time, I will bring the children of the Fang family to take office in Huguang with my father. It is my long-cherished wish to eliminate the atmosphere of thieves. After that, on the battlefield,
I also ask General Pang to give you some advice." During the civil unrest in Tongcheng, Pang Yu knew that many of the Fang family's children were practicing martial arts, so he looked at Fang Kongzheng. This old acquaintance did not say much, but only smiled and nodded to confirm.
He said politely, "Mr. Fang's family history is the basis of secrets.
I have written a military strategy, so I will never give you advice, but when we are fighting in Huguang, we will definitely take care of each other."
Pang Yu turned sideways and stretched out his hand inward. Food and wine had been placed in the main hall. Fang Kongzhen slowly said, "Zhi'er is waiting outside."
After saying that, he walked directly into the main hall. Liu Shenzhi, whom Pang Yu called to accompany him, saw this and hurriedly walked out and stood with Fang Yizhi.
Pang Yu followed Fang Kongzheng into the house and closed the door. Today, Pang Yu was supposed to entertain Fang Yizhi, but Fang Kongzhen's appearance was not unexpected. In fact, both of them knew that it was Fang Yizhi who Pang Yu invited.
Kong Zheng.
After Pang Yu sat down, he said, "General Pang is a member of my hometown party and has been an old acquaintance for many years. You and I don't need to say more. I will take office in Huguang soon, so I will definitely have many people to rely on. General Pang has come here to discuss it in detail with the general."
." Pang Yu looked at it carefully. Fang Kongzhen was appointed governor of a province, and it was an important province in the revival of the Central Plains. Fang Kongzhen's words and deeds were more magnanimous. However, most of Pang Yu's current contacts were at the governor level. Before this,
positional
Yu Yinggui was even more familiar with him and knew the many difficulties faced by the governor, so he would not be intimidated by Fang Kongzheng's momentum. At this time, he was not as polite as he was in front of Fang Yizhi, "Master Fang is going to Huguang to take up his post, and I, a fellow countryman, also
With a bright face, it is true that the official wants to rely on the adults. Those who can help will definitely help. But in the heart of Huguang, right now,
There are too many soldiers and there are too many thieves. The next group of guest soldiers left. I think Mr. Lai has heard about it, so it is not without reason that he returned to Anqing to get married at this time."
Fang Kongzhen smiled. He obviously had no interest in Pang Yu's wedding. Pang Yu continued, "This is somewhat related to the previous governor of Huguang. There are too many constraints on the next visiting army. I'm afraid Xiangzhi said
He can only move around a few inches, unless he is unwilling to do so. Besides, Master Xiong is currently in a very difficult situation.
With the results, in the peaceful land of Huguang, I am afraid that the subordinates leading the troops will not be of much use." The polite refusal in his words was obvious, but Fang Kongzhen already knew Pang Yu quite well, so he naturally would not think that this was Pang Yu's true identity.
He pondered for a moment and said, "What does General Pang think of Zhang Xianzhong and Liu Guoneng's second battalion?"
"
Pang Yu did not answer, but just stared at the stone slab in front of him and said, "Can I listen to Mr. Fang's opinion first?"
"Zhang Xianzhong will definitely rebel." Fang Kongzhen said without hesitation, "The day the guarding soldiers go elsewhere is the day the eight thieves will rebel again."
Pang Yu's eyes returned to Fang Kongzhen's face, "Mr. Fang has great views, but Mr. Xiong, the prime minister of the five provinces, doesn't think so. Mr. Fang, please pay attention to Yu Yinggui's mistakes." Fang Kongzhen nodded, stood up and calmed down.
He walked slowly for two steps and looked at the view of the Qinhuai River outside the window. "What Mr. Xiong wants is not to pacify the situation, but to bring peace to the Central Plains. I, the officer, have taken precautions and taken precautions to maintain this peaceful situation. It is our subordinates who want peace."
What you should do next is not against Master Xiong’s wishes.”
Pang Yu smiled and cupped his hands and said, "Master Fang's talent makes me ashamed of myself."
"Does General Pang have a plan for this inevitable rebellion?"
Pang Yu sighed deeply and looked discouraged, "I am very disheartened about the suppression of bandits. When I return to Gucheng, I am going to report to the Ministry of War and lead the battalion back to Anqing. As long as I can protect the country, the matter in Huguang will be done."
I don't want to pay attention to it." This is naturally not the result that Fang Kongzhen wants. He came today just to negotiate good terms with Pang Yu and have a strong army available in Huguang. This is not the first time that Fang Kongzhen has dealt with Pang Yu.
, he was very impressed with Pang Yu’s performance.
There was no question of general doubts. Fang Kongzhen said calmly, "The general came from a young age. He rescued Jiangpu in Pingtong and defeated Susong in the battle against Chuzhou. He has the chivalrous spirit of a young man to save the world. It is not for a certain superior officer.
However, as a civil and military official, some twists and turns are inevitable.
Keep it in mind. Since I am in charge of Huguang, if there is any difficult problem, I can also resolve it." Pang Yu glanced at Fang Kongzheng secretly, slammed the table and stood up, his face filled with righteous indignation, "I'm here
Determined to quell the thieves, he led thousands of Anqing's disciples to travel 1,700 miles to pursue the Western Camp. More than 300 war horses died of illness, and soldiers suffered injuries and losses.
Nearly a thousand people, look at how they are treated, I am really ashamed of my opponent's soldiers."
Fang Kongzhen looked up at Pang Yu, his face indeed full of anger. Although he didn't have much contact with Pang Yu, he dealt with the most intense conflicts, so he fully understood Pang Yu's nature.
He did not cooperate with Pang Yu's drill, but said calmly, "General, why do you need my help in Huguang?" Pang Yu coughed dryly, and the anger on his face dissipated instantly. He moved two steps and gave Fang Kong a hand in person.
Pouring tea, "Anqing camp has always responded to water and land. Previously, Yu Junmen was allowed to station in Wuchang, but there was no station in other rivers and rivers. It echoed
It was not so smooth when I came. I am dedicated to killing thieves for the people of Huguang, but I have to support myself very hard, so I feel discouraged."
Fang Kongzheng did not hesitate at all, "The docks along the river from Anqing to Wuchang are allowed to choose three places to stay in Anqing Water Camp, and two places are allowed to stay in Han River."
Pang Yu raised the corner of his mouth, and immediately showed a hint of worry as he poured the water and said, "There is also the nature of Shuiying. If we go upstream from Anqing, it will be time-consuming and laborious, and the lower officials will have difficulty in spending money."
Previously, Xiong Wencan had only mobilized Pang Yuluying, with Huguang supplying the original materials. Although Yu Yinggui agreed to temporarily stay in Wuchang, Shuiying was still a black man and had to spend his own money to buy the original materials.
"I'll give you the true character of a thousand troops."
"two thousand."
Fang Kongzhen frowned and paused for a moment, "Then you have to fight." Pang Yu put down the ceramic teapot and looked at Fang Kongzhen sincerely, "Master Fang knows the villain best. Starting from the Tongcheng Zhuang Class, the villain has never
Earning empty pay can be said to be a breeze on one's sleeves and a righteousness on one's body. Don't worry, sir, the water camp soldiers will only know how to do it.
It won’t be too much, it will definitely be a real army and a real pay, Lord Fang can rest assured that he will give you two thousand true colors.”
"Just two thousand." Fang Kongzhen obviously didn't want to get hung up on such a trivial matter. Huguang is a grain producing area, and the Shuiying station is along the river. There is not much transportation loss. Although two thousand people are a lot, it is not particularly difficult.
.
The transaction with Fang Kongzhen was still so smooth, and Pang Yu's complexion began to soften.
Fang Kongzheng turned to look at Pang Yu, "That's all?"
Pang Yu looked at the table calmly, "Of course, I want General Manager Digang." The room suddenly became quiet. The General Manager of Diggang at this time was still Fang Zhongjia, the old enemy in Yunji Temple, Diggang.
Controlling a long section of the river in the middle section, Pang Yu's navy had only been active on the Anqing River before, and most of the cannons were engaged in transportation.
Lose, the so-called river patrol is just a slogan. Now that the river patrol has really begun, many conflicts have begun. The river from Wuchang to Nanjing is completely beyond Pang Yu's control, and this is the section of the river. Although Pang Yu has Wuhu as a supplement,
But Wuhu only has land camps. Even if it builds its own fleet, patrolling the river is not justified. This section
Jiangmian is very close to Nanjing, so it is easy for Admiral Cao Jiang to pay attention, which will cause a lot of trouble.
Fang Kongzheng stared at Pang Yu for a long time, seeming to guess Pang Yu's true intention, but with a smile on his face, asking for advice and bargaining like this, this is the true face of Pang Bantou.
"The general just wants to take revenge on Zhongjia?"
Pang Yu shook his head, "With my cultivation, I won't seek personal revenge. I have always been in business. Otherwise, I would not be able to raise such a strong army with the money from the court. Let alone the aid and suppression of Huguang, I would not even be able to defend Anqing."
As long as Fang Zhongjia recommends the leader, the rest of the process will not be difficult, and he will have complete control of the middle reaches of the river.
Fang Kongzheng did not agree immediately. He looked at Pang Yu and said, "What can General Pang give me?" "Four thousand infantry and cavalry stationed in the land camp in Huguang, two thousand in the water camp, and thirty instructors in the standard camp for Mr. Fang.
There are water camp camps along the north bank of the river. Each county town helps you train 600 rural soldiers. Other counties need to train rural soldiers. I will also train them.
You can send people to help. Such a place is effectively guarded. Your Biao camp and Anqing camp are chasing and suppressing them everywhere, and there will be no place for the rogues." Fang Kongzheng sat firmly in his seat, looking intently like a Buddha statue. With the last time
With trading experience, Pang Yu also knew Fang Kongzhen very well. The new governor was definitely not because he could not let go of his brotherly relationship with Fang Zhongjia, but was just commenting on it.
Assessing the gains and losses. "It's more than that. Raising the army is nothing more than money and food. The so-called support can be just a polite word without any effort. But since I recognize your Excellency as a country party, we will only tell the truth." Pang Yu paused.
He said at once, "My silver
The village can lend you the 200,000 taels of standard camp without annual interest."
Fang Kongzhen looked up at Pang Yu with some surprise. The instructor thing was just a small detail, but even for the governor, two hundred thousand taels of silver was still a huge sum of money, far more than the cost of raising a strong army.
"Your Excellency, you can use this money to buy armored battles and artillery from Anqing. Your Excellency, Mr. Fang is not a free man. With such sufficient food and pay, well-equipped soldiers, and instructors below, your standard camp must be the strongest army in Huguang.
"Fang Kongzheng's eyes flashed, and Pang Yu knew what he was going to ask, so he said directly, "In the Huguangjiang River section, Anqing Shuiying Qingjiang is allowed to arrest theft and prevent rogue bandits."