"Repay it, how can you not pay it back?" Liu Xin said seriously, "Not only must it be repaid, but it must also be repaid with interest!"
Seeing that he didn't seem to be joking, Ma Yun couldn't help but be surprised and said: "Husband, it seems that you don't need to use this money yourself. Is the treasury tight?"
Ma Yun was very clear about the situation in the treasury in the past. As the wars in various places basically subsided, Liu Xin's territory became larger and larger, but she gradually shifted her focus to her family's business and the education of her two sons.
So I don't know much about the current situation of the treasury.
Seeing that Ma Yun had hit the mark, Liu Xin couldn't help but smile and said: "Honey, you are so smart, you can hit the mark right away. There are really too many places to spend money now. We must ensure that people everywhere can survive the winter safely, and the reconstruction of various places has to be done."
We can't relax, the reorganization of the army is imminent, and we have to give everyone some year-end bonuses, so the turnover is indeed a bit slow."
Although Ma Yun doesn't care much about government affairs, she still runs some businesses at home. Dahan Bank is in charge of the economic lifeline of Jing, Yi, Si, and Liang. She naturally knows that the recent sales of Xiang paper and white porcelain are not good.
It went very smoothly. Ma Yun has also analyzed the reasons. She believes that,
These things are not easy to sell, not because there is no demand, but because the world is too chaotic and people dare not spend money on these "luxury goods". The income from Xiangzhi and white porcelain is the two pillars of Liu Xin's economic development
, even more than the tax. The poor sales of these two things can be imagined, and the impact on the treasury.
Ma Yun could understand Liu Xin's predicament without Liu Xin's detailed explanation. To be honest, the annual income of the business run by Ma Yun and the other women far exceeded Liu Xin's salary, but if they wanted to support the four states
Military and political operations were still far away. Since Liu Xin wanted to borrow money and was willing to pay interest, he must have borrowed money from Dahan Bank. How could Ma Yun not understand?
Ma Yun also put away her smile, sat down and thought about it for a while, and said seriously: "It's okay to borrow money, but the scale of the loan cannot be large, and it must be kept strictly confidential, otherwise it will cause inflation or even cause a run, and it will be out of control.
Yes. Tell me, how much do you want to borrow?"
Liu Xin really didn't think about how much money he would need to borrow. Now think about it, if there are hundreds of thousands of troops and each person is given three to five hundred yuan, it will cost two to three hundred million. If you include the officials
, Yamen, just distributing wax gifts alone requires at least one billion yuan. In addition,
Many people in the three counties of Si, Liang and Jiangnan are impoverished. They need food and cotton clothes from the counties to help them survive the winter safely. Two refugee camps must also be established immediately to store enough supplies, because the people of Xuzhou
You can escape at any time.
It’s not that he didn’t know, but he was shocked when he calculated it. Liu Xin made a rough estimate and blurted out: “Borrow four billion first.”
While Liu Xin was silently calculating there, Ma Yun was not idle either. She had already secretly weighed Dahan Bank's wealth, then shook her head resolutely and said, "No! I'll lend you up to two billion.
, the loan period is two years, one cent interest, no bargaining."
Dahan Bank mainly operates two businesses, one is to store and exchange gold and silver, and the other is to cast Zhongping Tongbao. Zhongping Tongbao was cast by Liu Xin. Dahan Bank cannot decide on its own the number of copper coins to be minted. It only obtains a certain amount.
It's just a "processing fee", the real money-making business comes from the storage and exchange of gold and silver.
When customers store gold and silver in a bank, not only will there be no interest, but a certain fineness will also be deducted. In the process, the bank will also earn a certain amount of profit, but this profit is very limited and is only enough to maintain the normal operation of the bank. However,
One thing is that the certificate for customers to store and exchange gold and silver, that is, the banknotes, are issued by Dahan Bank itself. For example, when Dahan Bank’s vault
When there are 100 taels of silver, it can issue 120 taels of silver notes. As long as these 120 taels of silver notes are not used for redemption at the same time, there will be no problem. In other words, as long as the big man
If the bank has enough credibility, it can issue a large number of banknotes without limit. Of course, doing so is also very risky. As long as a run occurs, Dahan Bank will collapse immediately.
After just over two years of steady development, Dahan Bank's reputation is quite good. Moreover, officials' salaries and soldiers' monthly salaries are now distributed through Dahan Bank. In addition to copper coins, they also receive a large number of silver notes.
The ticket is very convenient to carry and use, and there is no need to worry about it.
The quality of your heart is a matter of quality, and it can be redeemed at any time. Silver may be adulterated, but no one can forge a bank note. Therefore, bank notes have gradually been accepted by everyone, and the richer people are, the more likely they are to use bank notes.
, has vaguely assumed some of the functions of currency.
Therefore, with such a foundation, let alone ask Ma Yun to spend 4 billion, even if she spends 40 billion, she can do it. But Dahan Bank is still a new thing after all, and it needs to be cared for and grown slowly.
Ma Yun wouldn't take the risk if she didn't go.
When Dahan Bank was first established, it could be said to be semi-public and semi-private. Liu Xin indeed did several major things by increasing the issuance of banknotes. At the most, the banknotes issued by Dahan Bank had exceeded 40% of the gold and silver in stock.
, although the money was gradually replenished later, it still sounded the alarm to Ma Yun. This
Only then did Ma Yun make up his mind to take back control of Dahan Bank, make Dahan Bank the private property of the Liu family, and no longer let Liu Xin interfere in the bank's affairs. This not only prevents risks, but also ensures that no matter Liu Xin succeeds or fails, he will
It can be guaranteed that the Liu family can continue to control a powerful force and a huge wealth.
The economic development momentum of Jingzhou and Yizhou is rapid, and tax revenue is also increasing year by year, but it is still unable to meet the faster-growing expenditures, and Liu Xin firmly disagrees with increasing the burden on the people. In the past, the popularity of Xiangzhi and white porcelain
Sales and the inexhaustible wealth of Dahan Bank are Liu Xin's two "cash machines." Now, the control of Dahan Bank has been taken away by Ma Yun, and the sales of Xiangzhi and white porcelain are not smooth, Liu Xin
Xin naturally felt a little tired.
Whether the sales of Xiang paper and white porcelain are smooth is not something Liu Xin can decide, unless he significantly lowers the prices of these two items so that they no longer become luxury goods and allow more ordinary people to afford them. Although the price reduction
It's a matter of time, but once the price drops, it's not that easy to rise again. Liu Xin knows that as long as the world is peaceful, there will be many people who spend a lot of money, so Liu Xin has never planned to lower the price, but in this way, it will be a bit
Far water cannot quench the near thirst.
However, although Liu Xin no longer intervened in the affairs of Dahan Bank, he was familiar with the operation mode of Dahan Bank, so he was full of confidence in borrowing money from Dahan Bank. Unexpectedly, Ma Yun only agreed to lend him two billion dollars.
Liu Xin was stunned, and could only continue to plead: "Honey, this little money is really not enough, at least give me three billion."
Ma Yun thought for a while and said: "Add up to 400 million more, otherwise there is no need to discuss it!"
According to the calculation of one tael of silver equivalent to one thousand taels, 2.4 billion is equivalent to 2.4 million taels of silver, which is also a huge sum of money. If it weren’t for the good development momentum of Dahan Bank in recent years, Ma Yun would really
I dare not take out so much money at once. The gold, silver and copper coins currently in stock at Dahan Bank are about more than 20 million taels of silver. However, strictly speaking, these money do not belong to Dahan Bank, but are temporarily stored by others.
Here, there are only five or six hundred thousand taels that really belong to Dahan Bank. When establishing Dahan Bank, Liu Xin and Ma Yun invested far more than this amount. It is not that Dahan Bank has not made much money in recent years or
Even losses occurred, but because Dahan Bank expanded too much and opened branches in various counties and counties, just purchasing real estate and building treasury in various places was a huge expense.
For Liu Xin, 2.4 billion was still not enough, so the couple bargained some more and finally settled on the loan amount of 2.6 billion.
"Husband, if you don't have enough money, you should pay attention to increasing revenue and cutting expenditure, and act within your ability. Now that the source has not been developed, but the expenditure has increased significantly, it is not a good sign." Although Dahan Bank has an inventory of 20 million taels of silver, it has issued an additional 2.6 million taels.
It was not difficult to pay the two taels of banknotes. The reason why she was so fussy was because Ma Yun had no intention of asking Liu Xin to actually repay the money in the future. However, Ma Yun still reminded Liu Xin, and then continued, "I'll give you the money."
I can lend it to you, but there are conditions."
With this money, Liu Xin felt more relaxed. You must know that in Liu Hong's time, the imperial court's annual income was only about 6 billion yuan, which was almost half of the national fiscal revenue. For Ma Yun,
When he put forward conditions, he naturally agreed and said repeatedly: "No problem, you say it, you say it."
Ma Yun frowned slightly and said, "I want you to let Wang Yun go."
Liu Xin was stunned and said with a smile: "Diao Chan is Wang Yun's adopted daughter. It is only natural for her to plead for Wang Yun. How could you have thought of speaking for him?"
Ma Yun said angrily: "Let me tell you seriously. Your current identity is a clan member of the Han Dynasty. No matter what Wang Yun does, it is to maintain the orthodoxy of the Han Dynasty, so you cannot kill him."
A smirk appeared on Liu Xin's lips and she said: "I didn't plan to kill him originally, but now I'm a little embarrassed."
Ma Yun asked in surprise: "Why?"
Liu Xin shook her head and said: "Didn't you hear what Diao Chan said just now? As long as I let Wang Yun go, she can do anything I ask her to do. So, I am a little embarrassed. If I let Wang Yun go, others will
People will think that I covet her beauty, which will have a big impact on my reputation."
Ma Yun said angrily: "Okay, it turns out that I worried about it in vain. You have been ready to agree to Diao Chan for a long time, right? You also said that you never mess around with women outside. Humph, who will believe your lies!"
Liu Xin laughed loudly and said: "Okay, wife, I'm teasing you. Wang Yun is more useful alive than dead. How can I be willing to kill him? Not only will I not kill him, but I will also keep him well and let the world see.
I, Liu Xin, have such a broad mind and how I repay evil with kindness!"