Kong Yingda's eyes suddenly bulged out, his face full of surprise.
"How many?!"
The person who asked was not Kong Yingda, but the old man Yu Ming who followed him in...
The old man was even more shocked than Kong Yingda. He snatched the account book from Pei Xingjian's hand and looked at it carefully with a look of disbelief on his face.
"Fifteen million nine hundred thousand yuan?!"
This time, the two old men spoke in unison, which was really unbelievable!
Fang Jun looked at the old man Yu Ming strangely: "Does Mr. Yu Ming also care about breeding goods? I thought you were all worldly experts, the kind who cut off the mortal world and have six pure roots."
Old man Yu Ming glared and said, "That's a monk! Besides, monks have to rely on sesame oil money to eat, let alone the Yu Ming family? With so many mouths waiting for food, you can't eat what you grow. Ordinary buying and selling transactions are also necessary.
"
Fang Jun nodded: "Yes, my granddaughter's mouth alone will cost her a lot of money a year..."
Thinking of the foodie Yu Mingxue, Fang Jun felt a headache.
But that girl hasn't seen anyone in the past few days. Could it be that she has changed her gender and wants to be a lady?
Old man Yu Ming found a chair and sat down, snorted and said angrily: "Yu Ming's family doesn't have that much good food to eat. My parents died early when I was young, and I followed the old man's eating habits and slept in the open, so I suffered a lot.
.However, when I came to your place, I was so greedy for the delicacies of mountains and seas every day that I could no longer eat the simple meals of the past, so I stayed here. Who are you to blame?"
Fang Jun was stunned: "Are you going to blame me?"
I served that great aunt with delicious food and drinks, what the hell was wrong?
Old man Yu Ming said matter-of-factly: "Of course it's your fault, you have to take responsibility."
Fang Jun said angrily: "What responsibility do I bear? Do I have to support her for the rest of my life?"
He was impressed by the weird ideas of the Yu Ming clan. The little girl was carefree, and the old man did as he pleased. Only the handsome boy Yu Minglei was more normal and could communicate.
"By the way, why haven't you seen Brother Yu Ming these days?"
It's a good thing he didn't mention it, but when he mentioned it, old man Yu Ming immediately became angry, pointed at Fang Jun's nose and cursed: "You are too treacherous! I led the tribe to help you with good intentions, but you ended up using
Some nonsense and specious words have confused the minds of the younger generations of our clan, which is really abominable!"
Fang Jun touched his nose and did not dare to say a word.
When it comes to this matter, it is true that he did it unethically...
For a person who devoutly pursues the supreme way of heaven and dreams of becoming an immortal or a saint, it is really a cruel thing to have the firm belief in his heart completely shaken.
When Yu Minglei discovered that the way of heaven he was persistently pursuing turned out to be so far away, he had doubts about life and was shaken in his confidence, which must have been a very painful torture.
But Fang Jun naturally refused to admit his mistake.
He asked: "What did I say wrong?"
Old man Yu Ming was suddenly speechless.
Was that wrong?
According to Yu Minglei's retelling, Fang Jun's words are naturally not wrong. Even if the world view of this era is very distorted, it does not prevent some people with radical ideas from questioning the world.
Unfortunately, Yu Ming is such a group of people who have extreme ideas, smart minds, and erudite knowledge to overthrow the current world view...
Mountains have ends, rivers have ends, why does the sea have no end?
If there is an end, what is the end?
Is it Penglai Fairy Island?
Or is it a wasteland?
Where is the end of that day?
Where is the end of the earth?
Once this kind of question takes root in your mind, you will be thinking about finding the answer all the time. But in this era, it is impossible to have an answer to this kind of question...
For these academic masters of the Yu Ming family, the more they cannot find the answer to a question, the more persistent they will be. The search for the supreme way of heaven is such a question that seems to never have an answer, but will never give up!
As a result, now the whole clan is stunned...
How can old man Yuming not be angry?
But Fang Jun's words are really correct. If you want to overthrow him, you can only jump out and ignore his words.
But this kind of philosophical problem is like a big pit. For a family like the Yu Ming family that pays the most attention to philosophical thinking, it is easy to get in, but it is difficult to get out...
Kong Yingda suddenly sneered at Fang Jun: "A smart boy who doesn't know he has been deceived is simply ridiculous!"
Pei Xingjian and old man Yu Ming both looked at Kong Yingda in surprise, wondering why the master said such shocking words.
Fang Jun smiled and asked: "Why do you see it?"
With an old face, Kong Yingda pointed at the account book in Old Yu Ming's hand and said sarcastically: "In the past, people in the world said that Fang Erlang was the reincarnation of the God of Wealth and could turn stone into gold. I once believed it. But now it seems that it is just a lie.
Just. More than 15 million guan? Haha, you really dare to think! The tax paid by the imperial court is less than 30 million yuan a year, which is the sum of cash, cloth, linen and other items. No matter how rich the land of Jiangnan is,
It’s impossible to come up with fifteen million dollars in cash!”
Pei Xingjian nodded and said: "What Master said is absolutely true. Not to mention fifteen million guan, even half of it is extremely difficult. When the chief manager ordered those families to come up with 600,000 guan to redeem people, it was already a huge expense.
Zhou Zhang, you definitely can’t afford this much money.”
Kong Yingda said in astonishment: "Since you know this, why don't you remind this kid and instead let him be smart?"
With such a large amount of cash, the Jiangnan gentry would not be able to get it even if they emptied their treasury. If they wanted to match the amount, they could only offset it with land and houses. But land was the foundation of a family, even if those gentry
I am willing to give you one million gu for free, but I will never give you 100,000 gu in exchange for my land!
In this case, wouldn't it be a waste of money? They only want to make the accounts look good, but in fact they can't collect any money at all?
No matter how you calculate it, this is a bad debt for Fang Jun.
Fang Jun smiled and said nothing.
Kong Yingda was annoyed, patted the table, and said angrily: "You two idiots are trying to get along with me, right? What the hell are you planning on doing? Why don't you tell me quickly?"
Old man Yu Ming also looked at Fang Jun with interest, wanting to see how he would solve the problem.
Kong Yingda got angry, and Fang Jun didn't dare to tease him anymore. He stood up and opened the window, pointed at a building not far away, and said: "Starting tomorrow, a bank will be established there, and it will be called 'Royal Bank'
."
Kong Yingda was confused and looked at old man Yu Ming. He also had confused eyes and had no idea what a "bank" was...
It's not that the two old men are ignorant, but that "banking" is a business that has never appeared before.
The ancient feudal society did not have a unified financial institution, which resulted in the long-standing diversified currency system and the mixed circulation of multiple currencies. Currency exchange already existed in the Spring and Autumn Period and the Warring States Period, while formal exchange business began to appear in the Western Han Dynasty. By this dynasty,
Gold and silver cabinets, pawnshops and other industries are responsible for this business. Most of the loans are issued freely by the private sector, without supervision, and they are rampant.
It was not until the middle of the Ming Dynasty that "money banks" in the true sense appeared.
Kong Yingda asked curiously: "What is a 'bank'?"
Fang Jun said calmly: "To put it simply, it is a business of using other people's money to make money."
Kong Yingda looked at Fang Jun like a fool: "Where is the fool willing to give you money and let you make money?"
"Haha, Master, don't believe me? There are many such fools in the world."
Fang Jun was very proud. It felt very good to use his "IQ" to crush the ancients, especially when the person being crushed was a famous Confucian at that time. The pleasure was even more wonderful...
Old man Yu Ming suddenly interjected: "What the general manager said is that you let others deposit the money with you, and then you take it out to loan usury and make a profit?"
Fang Jun looked at old man Yu Ming with admiration.
Kong Yingda also understood, but he still couldn't figure out Fang Jun's tricks. If other people have money, they won't lend loan sharks themselves. Why should they store it with you and let you make profits in vain? But he heard the meaning in Fang Jun's words.
Another meaning, asked: "To put it simply, it is to seek profit from the capital, but how about it being more complicated?"
Fang Jun chuckled: "Exchange rate exchange, unified currency, if one day I can afford the qualifications to mint money, tsk tsk tsk, that would be a big fortune!"
In this feudal society with low productivity, the most profitable business is banks!
When one day the copper and gold coins of the Tang Dynasty can be exchanged throughout the world, they will be as powerful as thousands of troops...