Chapter 470 The Yizhou gentry are crazy, and the financial leverage has exploded!
Zhongxing Bank.
Second floor, conference room.
Liu Ba was sitting at the head of the table, with a sullen look on his face, but in fact, he was overjoyed in his heart. After all, everything was going according to his predetermined rhythm.
In fact, the IQ of the Yizhou nobles was much higher than Liu Ba imagined, so they could keep up with his planned pace in such a short period of time.
His slightly cold eyes swept across the entire hall of Yizhou nobles, and his anger was accurately conveyed to everyone, and then he slowly said:
"Listen to Xiao Chen, are you ready to apply for a mortgage loan?"
"That's right."
Next, Wu Yun nodded affirmatively and said loudly: "Isn't this what ZTE Bank does? Now we need a lot of cash, so we come here to apply for mortgage loans."
"etc!"
At this point, Liu Ba waved his hand to interrupt, frowning so hard that he could kill a cow: "Did you just say... that you need a lot of cash? Not the golden tickets of my Zhongxing Bank?"
The gold ticket is just a certificate. At least the money is still in the bank and has not moved. But if it is cash, the money will go out of the bank.
For ZTE Bank, this is tantamount to a policy of pulling out the firewood. Once it loses a large amount of cash, it is very likely to have a certain impact. If a run occurs, there will be endless troubles.
"That's right."
"Exactly."
Wu Yun marveled at Liu Ba's sensitivity.
I just mentioned it a little bit, and this guy captured the key words, which is enough to prove that the position of Commercial Secretary is definitely valuable and not easy to cheat.
but......
They are scheming, can you still give him a loan?
impossible!
After all, ZTE Bank is in the business of mobilizing funds and earning interest differentials.
If Liu Ba did not engage in this business, it would most likely be used by the other party to guide people who had saved money to make large withdrawals, resulting in a run on the bank.
Of course, Liu Ba was not afraid of this kind of thing. What he was afraid of was that the Yizhou gentry would not come to lend money or increase leverage, so that he would not be able to wipe them all out.
"how?"
Wu Yun asked tentatively: "Liu Sicheng, aren't you prepared to lend us a loan?"
Liu Ba shook his head: "Zhongxing Bank is in the loan business. Naturally, I am willing to do business with you. I just don't know what you want to use as collateral?"
Wu Yun said without hesitation: "Plow the land."
Liu Ba smiled and said, "You can farm the land, but the loan will be 50% off."
"What?"
Wu Yun was stunned for a moment, his eyes wide open: "50% off? Are you kidding me? Shouldn't it be 20% off?"
The Zhang family members on the side also followed: "Yes, it was all 20% off before. How come it became 50% off when we came here?"
Another person said angrily: "Liu Sicheng, you did this on purpose."
...
Faced with the anger of the Yizhou nobles, Liu Ba did not panic at all, and said calmly: "If a year ago, the cultivated land was mortgaged at a 20% discount, there would be no problem, but now that the price of grain has plummeted, the price of cultivated land will naturally fall with it."
"We at Zhongxing Bank must consider the quality of the assets. If we are in Nanyang, we can only get loans at a 30% discount on farmland. If we can give you a 50% discount, it is already the most benevolent thing."
"If you don't want to..."
Liu Ba's stern eyes swept over everyone, his voice was slightly protracted, and he said coldly: "Then go back. I'm very busy, so I won't accompany you."
"Master Chu."
"exist."
"Let's see the guests off."
"Here."
"Wait a minute!"
Before Liu Ba could get up and leave, he was interrupted by Wu Yun: "Okay! 50% off, 50% off, as long as you can give us cash instead of gold tickets, we will accept the 50% off."
"That's right, we admit it."
"Food prices have indeed dropped, we agree."
"Okay, no problem."
"..."
Liu Ba was astonished. It seemed that these guys were very determined. Aren't they afraid that the golden monkey they bought would not be sold? Or have they already received some news?
but......
I have just received the news, will they be faster than me?
At this moment, Liu Ba couldn't think too much and continued to sit down. He took a deep breath and said coldly: "Okay, since you agree to a 50% mortgage, let's discuss the interest."
"If an ordinary person comes to take out a mortgage loan, it will basically be very profitable in our bank. But for you, our bank requires 20 cents interest."
After all, the bank has just been established, and the current business is relatively blank. As long as you do something, you can make a lot of money, and the interest rate is 10%, which is normal.
After all, Zhongxing Bank's deposit interest is still 5% per year. Even if the interest difference is earned, the interest is only 5%.
The most important thing is that there is currently no central bank system, and banks can completely decide on their own how to use funds without having to keep a margin, so profits are relatively generous.
but......
The interest rate of 20 cents is indeed a bit ridiculously high.
If you borrow 10,000 yuan, you have to pay back 2,000 yuan. Even in this era, it is ridiculously high, even exceeding the private loan sharking business. It can be said that the lion has its mouth open.
really.
At this moment, the whole hall became noisy. The Yizhou nobles stared at Liu Ba in disbelief with their eyes wide open. They immediately started chattering and wanted to greet Liu Ba's eighteen generations of ancestors:
"Twenty cents interest? You are clearly robbing me. The interest rate is too high."
"That's right, such an interest rate is ridiculously high. You are taking advantage of the situation."
"Liu Sicheng, you are lending money illegally!"
"You broke the rules!"
"I protest!"
"..."
Violation?
protest?
Liu Ba could only laugh.
You are the one who sets the rules of the game, so it’s your turn to protest?
Without the slightest hesitation, a faint smile appeared on Liu Ba's face and he said coldly: "This is the rule of our bank. Those who want to apply for a mortgage loan stay, and those who don't want to apply leave."
"Master Chu!"
"exist."
"see a visitor out!"
"Here!"
"Wait a minute!"
The same scene happened again.
Wu Yun waved his hand to interrupt, stared at Liu Ba with his bright eyes, and smiled: "Liu Sicheng, do you think you can scare us like this?"
"impossible!"
Wu Yun's voice was sonorous and powerful, and he said resoundingly: "At a 50% mortgage and 20% interest, I will deal with 10,000 acres first, all in cash. The carriage should be arriving soon. You are ready to take inventory."
The Zhang family next to him was about to dissuade him, but Wu Yun interrupted him with a wave of his hand. He responded with a look and said coldly: "The interest of twenty cents a year is nothing compared to the golden monkey business."
"Liu Sicheng, do you want to scare us with this?"
"snort!"
With a slight snort, Wu Yun said coldly: "Sorry, you have found the wrong person."
Liu Ba Yangzuo was furious and glanced at everyone: "You are really...Aren't you afraid that you won't be able to sell it?"
Wu Yundan smiled: "There is no need for Liu Sicheng to worry about this, we will naturally have a solution."
"good!"
Liu Ba gritted his teeth and said: "You can apply for a mortgage loan, but I want to see how you can afford so many golden monkeys. Remember, God can see the money you shouldn't make, and you can't make it."
"
Wu Yun's lips curved slightly, revealing a faint smile: "Liu Sicheng, this sentence should be given to you, right? Don't think that I don't know your purpose of coming here, that you want to anger us.
?No way!"
"You... you..."
Liu Ba looked very angry.
But in fact, I feel very happy in my heart. Once the financial leverage is added up, it is not so easy to remove it. It is a double-edged sword that can kill people and hurt yourself.
Wu Yundan smiled: "Okay, let's start the process."
Liu Ba breathed out: "Master Chu."
Chu Nan: "Here."
On that day, the major gentry in Yizhou began to frantically apply for mortgage loans. Liu Ba was not afraid of anyone who came, and the more cultivated land he mortgaged into the bank, the happier he was.
office.
There was a pile of land deeds and completed procedures stacked in front of Liu Ba, as high as a hill: "There are so many, are these guys crazy?"
Chu Nan took a deep breath, exhaled slowly, and said with a hint of helplessness: "According to calculations, a total of more than 860,000 acres of land and more than 200 shops have been mortgaged."
"Impossible!"
Liu Ba was stunned for a moment and shook his head: "We don't have that much savings, so we can't mortgage so much farmland, let alone there are shops inside."
"well!"
Chu Nan sighed and said softly: "Wu Yun continued to send people to deposit money before lending it out, and then continued to send people to deposit money in, and then continued to send people to deposit money in. This was repeated several times, and the same fund had several mortgages.
"
"Nowadays, Wu Yun and other wealthy families not only have a large amount of funds, but also a large amount of golden tickets. However, the existing funds of our ZTE Bank have exceeded the red line and cannot continue to lend money."
ZTE Bank has internal rules and requires a certain amount of margin to avoid a run. Therefore, once the capital loan reaches the upper limit, no further loans are allowed.
"What?"
Liu Bateng stood up with a look of disbelief on his face: "How could it possibly exceed the red line? Didn't I tell you to be careful?"
Chu Nan frowned and looked embarrassed: "Liu Sicheng, the calculation of this red line is more complicated. We calculate it after every inventory. There was no problem two days ago, but after today's calculation, it has exceeded the red line.
.”
"Damn it!"
Liu Ba naturally knew that the calculation of the red line was very complicated.
Not to mention Chu Nan, even myself would have to spend a certain amount of time.
But......
Regarding the red line, not many people within the bank knew about it, let alone laymen like Wu Yun. If they came up with this kind of strategy, it might not be a good idea.
Liu Ba glanced at Chu Nan and understood in his heart.
This Chu Nan has been operating in Yizhou for many years. It is inevitable that he will have to deal with the Yizhou nobles and become their undercover. This is reasonable and unavoidable.
Liu Ba now admires His Majesty the Emperor more and more. Although he is thousands of miles away in Nanyang, his plans are so watertight that even traitors are taken into consideration.
Let Chu Nan take charge of this matter, which indeed accelerated the process of increasing financial leverage and repeated loans. Although the bank was overwhelmed, the Yizhou family was not that easy.
"Okay."
Liu Ba waved his hand and said softly: "I understand. You should quickly send a letter to Zhongxing Bank Feige in other counties and ask them to mobilize some cash immediately. There must be no mistakes."
Chu Nan leaned over and cupped his hands and said, "Here."
*****
Hongbin Building.
top layer.
Wu Yun raised his wine glass, invited everyone, and said loudly: "Come on, come on, everyone is holding up the wine glass to celebrate today's victory. As the same saying goes, as long as we unite, no one can be our opponent."
"Haha, yes, it is indeed true."
"With this operation, ZTE Bank will not dare to make mistakes."
"I heard that they have already passed the letter and mobilized funds to come over."
"Want to come here? It's not that easy!"
"We must make a big profit this time."
"..."
Wu Yun said loudly: "Come on, brothers, do it!"
Everyone raised their glasses and said, "Do it!"
immediately.
He raised his neck and drank until the glass was dry.
Wu Yun put down the wine cup, faced everyone, and said loudly: "If Zhongxing Bank dares to steal business from us again, we will send people to Zhongxing Bank to withdraw money, and withdraw a large amount of money."
"I would like to see how many deposits it still has. If it does not have enough deposits, it will definitely cause a wave of bank runs. To put it bluntly, we have destroyed ZTE Bank. At least in the short term, it will not be able to recover."
Speaking of this, Wu Yun's face showed a hint of gloominess: "In one year, as long as we control the Golden Monkey well and earn tens of thousands of gold, there will definitely be no problem."
"Old Wu."
The man on the side asked tentatively: "We can buy golden monkeys in large quantities, but who can eat them? If these golden monkeys are smashed into the hands, they will be seriously injured."
"rest assured."
Wu Yun said confidently: "According to reliable information, the imperial court is planning to rebuild Luoyang City, and in the planning map, there are twenty or thirty gardens. One garden is calculated based on two hundred golden monkeys. You calculate the need
How many?"
"At least four or five thousand!"
Wu Yun's words seemed very exciting, as if the sky was filled with horseshoe gold: "Today's gold-threaded monkey has risen to fifteen gold, and it won't be long before it breaks through sixteen or even twenty gold."
"Our current purchase price is one gold, and one golden monkey can earn fourteen gold, or fifteen gold, or even more. Four to five thousand golden monkeys are enough for us to eat a big meal."
Suddenly, all the merchants in the hall became excited:
"The imperial court actually wants to rebuild Luoyang City? This is a once-in-a-century business opportunity."
"Yes, our golden monkey in Yizhou can make a lot of money this time."
"I suggest we save more golden monkeys."
"Yes, I also recommend saving more."
"You can make more money this way."
"..."
Wu Yun waved his hand to signal everyone to be quiet, and said loudly: "Everyone, you only have one chance to get rich suddenly. We must unite to win the greatest victory at the lowest cost."
Everyone raised their hands in unison: "We will obey orders carefully."
Wu Yun was overjoyed and became more confident.
They control all the supply of golden monkeys and can maximize their profits: "Very good! In that case, from now on, we will act in unison, raise the price and ship the goods at the same time."
****
Jingzhou.
Governor's Mansion.
In the inner courtyard, in the octagonal pavilion.
Liu Biao clasped his hands behind his back and looked at the beautiful scenery of flowers, birds, fish and insects in the garden, but he had no intention of admiring it. He just frowned and melancholy, sighing from time to time, lamenting the impermanence of the world.
"Father."
At this moment, Young Master Liu Qi's voice sounded.
Liu Biao breathed out and said softly: "Why did you come here when you were free, but what happened?"
Liu Qi stood beside his father, shook his head, his eyes still focused on the scenery in the courtyard: "I heard that the imperial court has sent people to prepare to replace my father, Liu Yao."
"oh?"
Liu Biao frowned and couldn't help but be curious: "Have you found out who it is?"
Liu Qi nodded: "Well, Mao Jie, the governor of Jingzhou, and Zhang Zhao, the governor of Yangzhou, are all important figures in the Han Dynasty in Nanyang, especially Zhang Zhao, who was promoted one after another last year, from the county magistrate to the county governor."
"As for the hairy steps..."
Liu Qi paused for a moment and said softly: "Although this person's political achievements are not as good as Zhang Zhao's, he is still very good overall. The most important thing is that this person is fair and honest. He can't get rid of the dirt in his eyes. He is a ruthless character."
"His Majesty the Emperor put Mao Jie in Jingzhou, clearly to deal with the Jingxiang gentry, and he must use thunderous means. I believe that His Majesty the Emperor will not just unify."
"That's right."
Liu Biao had already anticipated this: "His Majesty the Emperor acted deliberately before, hoping to make us disobey so that we could take back the land to the public through war. This is very thorough and will not have too many sequelae.
"
"But now, His Majesty has obviously realized that this is impossible, so we can only carry out the public ownership of land in this way."
Liu Qi asked tentatively: "Father, do you think His Majesty will succeed?"
Liu Biao shook his head: "I don't know! Although your Majesty has thunderous methods, he must treat everyone equally. There cannot be too big a gap with other states and counties, and the nobles in Jingxiang are by no means easy people."
"yes."
Liu Qi nodded in agreement: "Whether it is Kuai Yue, Huang Zu, or even Cai Mao, they are still capable. As long as they are willing to work hard, they will definitely be able to complete the responsibility letter."
"I heard that Kuai Yue and others have made preparations, and the Jingxiang nobles have even reached an agreement. They will help each other as much as possible to complete the production responsibility letter of the imperial court, so as to keep the cultivated land."
Liu Biao snorted: "We are outsiders after all. To deal with this group of Jingxiang nobles, His Majesty the Emperor has to personally take action. I believe that Jingyang and Yangzhou will not be better than Yuzhou and Xuzhou. Let's wait and see."
"Report—!"
At this moment, a long announcement sounded not far away.
Liu Biao turned his head and looked.
However, the attendant hurried forward, bowed and cupped his hands and said: "My lord, there is a guy outside the house who calls himself Mao Jie. He says he is the governor of Jingzhou sent by the imperial court with an imperial edict."
"Maojie?"
Liu Biao was stunned for a moment: "Are you sure it's Mao Jie?"
The attendant was extremely sure: "Yes, it's Mao Jie."
Liu Biao glanced at Liu Qi, who also shook his head in confusion: "I don't know, what...what is this?"
"Walk."
Liu Biao didn't care so much and immediately said with his hand: "Let's go and take a look. You should quickly send someone to notify Cai Mao, Kuai Yue, Han Song and others to come to the Prefecture Mufu to prepare for the imperial edict."
Liu Qi nodded: "Okay, I understand."
The entrance to the Governor's Mansion.
Squeak.
The door opens.
Liu Biao walked out in a hurry and saw a handsome man with a rucksack on his back, standing upright: "I didn't know that Mao Shijun was coming, but I missed you from a distance. I hope you will forgive me."
"How dare you."
Mao Jie hurried forward to greet him, took the initiative to help Liu Biao up, and said softly: "Master, I came here on the emperor's order. It originally took two days to arrive in Jingzhou, but now I'm here quickly. I need your help with some things."
Liu Biao frowned: "Oh? I don't know, Master, how can I help you?"
Mao Jie took a breath and looked around: "It's inconvenient here, how about we go in and talk more?"
"Look at me..."
Liu Biao knew he was being rude and quickly waved his hand to signal Mao Jie to come in: "Please."
Mao Jie reminded: "Oh, by the way, don't let other officials from Jingzhou come over for the time being."
Liu Biao nodded: "Okay."
Immediately.
He arranged for his attendants to stop Liu Qi.
Returning to the mansion, they sat down separately as guest and host, and Master Liu Biao cooked tea to entertain the guests.
After chatting for a while, Mao Jie went directly to the topic: "To be honest, I am very brave as the governor of Jingzhou this time, so I came here to say hello to my master in advance."
Liu Biao bowed his head and said: "There is no harm in saying filial piety to my ancestor."
(PS: Mao Jie, courtesy name Xiaoxian.)
Mao Jie took a deep breath and stared at the other person with bright eyes: "Shijun, I hope you can hand over to me every single one of Jingzhou's eucalyptus slips."
"certainly."
Liu Biao nodded affirmatively: "These will naturally be handed over. This is official business."
Mao Jie shook his head: "Your Majesty, you should know that I am not talking about the official documents in the house, but the official documents in your hand. I don't need those things on the surface."
As a foreigner, if you want to truly become the master of Jingzhou, you can't do it by relying on official positions in the court. They need a counterattack process.
And this countermeasure process data is what really matters to the major aristocratic families. Only by mastering these can you truly become a master, not a puppet.
Mao Jie believed that it was impossible for Liu Biao not to have this kind of thing. The things that appeared on the surface were all deceptive in nine out of ten cases and did not have much reference value at all. Only real eucalyptus slips were the trump card.
"this......"
Liu Biao hesitated slightly.
Such an expression made it clearer to Mao Jie that Liu Biao must have something of his own: "Your Majesty, if you can give me these things, you will have made a great contribution to His Majesty."
"You should also know that although you and Liu Yao are also servants, in His Majesty's eyes, further assessment is needed before you can continue to serve as officials."
How could Liu Biao not be aware of this? He and Liu Yao had passively surrendered, and received worse treatment than Liu Dai. If he could not establish some meritorious deeds and show his loyalty, it would be difficult to continue serving as an official.
Giving gifts?
The Long Yuan Sword and the Divine Horse are just playthings at best.
Only when Jingzhou is truly dedicated to the emperor can it truly be credited.
Liu Biao pondered for a moment, and finally nodded: "Okay, I will hand over all the things I collected to you, as a token of my gratitude to the court."
Mao Jie was overjoyed and leaned forward, cupping his hands and saying, "If you can do this, you will surely become an official in the future."
