One hundred and eighty twenty thousand silver, weighing more than eleven thousand kilograms, was divided into three carriages. Each carriage weighed more than four thousand kilograms plus its own weight.
Four strong horses pull a cart, with a load of nearly forty stones. The ruts run over the paved road and make a "rattling" sound. It is definitely a heavy-duty carriage in this world. This kind of cart can only be paved with stones in the city.
When walking, walking on hard dirt roads requires extra horsepower; when it rains, the road becomes muddy and makes it even more difficult to sleep - at this time, it caused a false alarm in Jiyunju.
The rivers in the south are densely meandering, with many boats and few vehicles; but strangely enough, in the north, where vehicles are used for carrying goods, there are only two-wheeled mule-drawn carriages with the axle in the center of the body.
Regardless of the load capacity, considering only the stability, the four-wheel structure is far stronger than the two-wheeled vehicle. However, compared with the two-wheeled vehicle, the four-wheeled carriage does not simply add a pair of wheels. Its mechanical structure is much more complex.
.
Lin Fu intended to abolish the sedan chair, which was more reflective of official status. Last year, he offered a reward of a thousand taels of silver in Chongzhou, asking craftsmen from all over the world to build four-wheeled vehicles.
Jiang Yuechun, the young eunuch of Sitian, asked someone to send him a set of drawings. Chongzhou sent people to try out the drawings, but he didn't know if it would work. In short, this kind of thing cannot be rushed. Don't expect to be able to compete in one go. It may take two attempts.
It takes three generations of accumulation for technology to mature.
Since it was a false alarm, the alert was naturally removed and the normal night guard was restored. Lin Mengde directed the men to move the sealed silver box into the yard.
It sounds like a lot of silver, but one official ingot weighs fifty taels, ten coins are sent to a box, and ten envelopes are sent to a box, which is only thirty-six boxes of silver. The two of them moved a box, and in the blink of an eye, they all moved it to the front yard.
Okay, let's wait until daybreak before moving to the mouth of Jinchuan River.
Lin Fu invited Mu Guogong Zeng Mingxin to come into the room to talk. Su Mei and Xiaoman also came out to say hello and stood aside to make tea and serve.
Su Mei was also shy. She stayed over for the night and had not been close to Xiaoman for a while. But when outsiders bumped into her, the meaning was completely different. Zeng Mingxin was very kind to the Su family, and Su Mei could not hide away.
, no matter how generous she is usually, she now looks ashamed.
After a while, Lin Mengde came in with the deed, stood on the side, and said respectfully: "I have to let the old man know that there are two ways to raise money in the bank: one is to deposit the principal, and the bank will raise money.
The bank issued a silver deed as proof. The silver deed was made in triplicate, and both the bank and the Huaidong Military Division had to authenticate it. The bank calculated its profits and losses every year, took out part of the surplus, and distributed bonuses according to the principal amount invested by each bank.
Interest. Except for the dissolution of the bank, the principal generally cannot be recovered, but the silver deed, like the house deed and the land deed, can be resold to others. You only need to report it to the bank and the Huaidong Military Division. The second method is to deposit
The annual interest rate is tentatively set at six cents when you enter the bank. It may be adjusted higher or lower according to the situation. The bank issues a banknote, and you can use the banknote to withdraw cash from the bank at any time in the future. The interest rate is
One day counts as one day, you can settle it once a year, or you can leave it until the end and withdraw it in cash and settle it all at once!"
Zeng Mingxin was not busy taking the deed, and turned to ask Lin Fu: "Do you calculate the interest based on the land price?"
"The old man has a very vicious eye," Lin Fu said with a smile, "The bank affairs are just the first step. There are many details and it is difficult to figure them out at once. For now, we can only try to follow the farm affairs..."
"Wars broke out frequently in other counties, and many people gathered in Jiangning to avoid disasters," Zeng Mingxin sighed. "No matter how rich your family is, if you stay in the city and do nothing to run your business, you will still be left with nothing. If you buy land to rent or loan money to earn interest,
They are all old ways of maintaining the family business. Many people only cling to the old methods and are rigid and do not know how to adapt. Only Huaidong can innovate on the old methods. This is how they can achieve great things! There are many other companies that are not as good as Huaidong..."
Lin Fu smiled. No one could discuss this topic in depth with anyone.
When wars broke out frequently, a large amount of land in other counties was abandoned. However, the situation in Jiangning remained stable, and a large number of wealthy households poured in, causing the price of land to rise again and again. Even 13 or 4 taels of good-quality mature land could not buy an acre of land. Compared with
When Lin Fu first entered Jiangning, the price of land more than doubled.
Few of the landowners in Jiangning City run their own business. Most of them buy their fields and hand them over to the rent collection office. The landowners borrow the land deeds to collect rent from the rent collection office every year. They rarely have anything to do with the tenant farmers. When buying land, they collect rent from the rent collection office.
If you rent, you can earn up to six cents in profit in a good year.
The establishment of a bank in Huaidong is a new thing, but many of the characteristics of the bank can be found in the existing things such as rent collection warehouses, usury loans, and warehouses for flying tickets. These are the realistic soil for new banks to be established, and any
If a new thing wants to succeed, it cannot be a castle in the air.
Even without Lin Fu's promotion, in a few years, on the basis of rent collection, loan sharking, and warehouse flying tickets, commodity circulation will further flourish, and institutions similar to banks will spontaneously appear.
"This money won't be used for a while, so it should be used as principal," Zeng Mingxin said. With his sophisticated eyes, he also knew that Huaidong Bank needs more principal. After all, the money invested to earn interest is
Unstable. Once the Huaidong Army is defeated, those who eat money and interest are like macaques that scattered when a tree fell. They are eager to leave Huaidong. They are not the foundation of Huaidong. They are
Then he said to Lin Mengde, "Mengde, please give me another silver deed. This girl Su Mei usually doesn't know how to be thrifty. I want to leave her a dowry!"
Lin Fu and others never expected that the old Duke of Guo would have such an arrangement. Su Mei and Xiaoman knelt down together, moved to tears, and choked up and said: "The Duke of Guo has a great kindness to the Su family. This kindness
, Su Mei and her sister will never forget it, and they dare not bear any more..."
"Silly girl, get up and talk," Zeng Mingxin said with emotion, "Your father and I are in love with each other, but your whole Su family has been executed, and I can't do anything. I feel regretful in my heart. No matter how much I do, it just makes me
I feel better. This silver deed is what I owe you to the Su family. There is also another silver deed..."
Zeng Mingxin turned his head and said to Lin Fu: "The Dai Viet Dynasty is already terminally ill. At the time of Emperor Qingyu, there was still a chance for a revival. Once Chentangyi was defeated, its vitality was completely damaged. Now the north is supported by Li Zhuo alone.
, there are countless people holding him back, how can he hold on? It's a pity that the younger generations don't know the heights of the sky. All day long, I feel that I, an old man, smells rotten even if he is half buried in the ground, and he still refuses to give way to their younger generations.
——I am also leaving a way out for them."
Lin Fu lamented in his heart that most of the nobles in the world were worms, but there were also people like Zeng Mingxin who could clearly see through the world situation. For them, the noble status of the nobles was a kind of constraint, which prevented them from having the opportunity to make contributions. Instead, they only had
Able to remain anonymous and silent in the world. Just like Yuan Guizheng, he is also a person who is unwilling to be lonely.
At first, Lin Fu couldn't figure out what Yuan Guizheng was so active in planning. However, Emperor Chongguan sent Prince Ning out of Zhenjiangdong and intended to make Prince Ning his heir, so he vaguely guessed something about it.
Lin Fu stood up, walked to Su Mei, knelt down together to Zeng Mingxin, and said, "Boy, Lin Fu and Su Mei would like to thank the Duke for the dowry!"
Su Mei tugged on Lin Fu's lapel and glared at him angrily; Xiao Man smiled brightly, with tears still hanging on his face.
Zeng Mingxin stroked his silver beard, laughed heartily, and accepted Lin Fu's gift calmly.
When Lin Fu, Su Mei, and Xiaoman stood up and sat down again, Zeng Mingxin asked the young man who came with him to come up to him and said: "Chengsi, come here and kowtow to the governor. From now on, when you go to Chongzhou,
We have to rely on the envoys to take care of us! But remember, you must abide by Huaidong's rules!" He said to Lin Fu, "If there is anyone I can't forgive in this world, it's Cheng'en and his mother. In a few days
, I will completely give up and leave the matter alone. Cheng'en will not be comfortable staying in Jiangning and let him take his wife and children to Chongzhou with you..."
Lin Fu nodded and graciously accepted Zeng Chengen's kowtow.
Lin Mengde quickly took out another silver deed. Standing next to him, he had to admire the Duke's magnanimity. Looking at this young man named Zeng Chengen, he was not one of the young masters of the Zeng family, but he had grown up with Zeng Ming.
It looks exactly like him, he should be Zeng Mingxin's illegitimate son, but he was not given the proper status by the Zeng family.
The illegitimate heirs of a maid and a beloved concubine have a lower status than a son of a concubine. The Duke holds the power and can take care of him. Once the title is inherited by the eldest son, or Zeng Mingxin dies, it is difficult to ensure that the conflicts between the houses will not intensify;
The fight for family property is even more bloody and cruel.
Zeng Mingxin's move also provided a way out for the Zeng family. Eggs cannot be put in one basket.
Before coming to Jiangning, Lin Fu and Lin Mengde set a goal to raise one million taels of silver from Jiangning to set up a bank for Huaidong.
Before leaving, Lin Mengde felt that this goal was extremely difficult. Even the Lin family had not made it clear how much money they would take out. Who would have thought of entering Jiangning for the second night? There were two families not under consideration, Yongchang Houfu.
, Mu Guogong's Mansion was the first to express support for Huaidong to set up a bank, and it was able to raise so much money at once.
From this point of view, it is no longer difficult to raise one million taels of silver from Jiangning.
Zeng Mingxin took the silver deed from Lin Mengde, in triplicate, two sets of six sheets in total. He spread the silver deed on the table and filled it in with a pen and ink. One hundred and eighty thousand taels of silver were divided into two, one deed.
The owner of the deed was Zeng Chengen, and the owner of the deed was Su Mei. Lin Mengde also stamped the seal specially made for Huaidong Bank and the small seal that Lin Fu carried with him.
When things happened here, Zeng Mingxin took Zeng Chengen and left first.
Lin Mengde also returned to the front yard to rest, leaving Lin Fu and Su Mei, and Xiaoman facing each other under the candle.
Su Mei had so many emotions in her heart that she couldn't express them out. She held the silver deed that the ink had not yet dried out in her tender white hands and sighed: "The Su family appreciates too much. This silver deed is really worthless."
It should be accepted..."
"That's right, that's right," Xiaoman, with tears still hanging on his face, but in a happy mood, echoed beside him, "Unlike some people who forget everything when they see Yinzi, my sister hasn't agreed to marry him yet.
, what kind of person is he kowtowing to?"
Su Mei's pink face turned red with embarrassment because of Xiaoman's trouble. She glanced at Lin Fu and saw that he was staring at her. She even panicked and turned her eyes elsewhere, as if accepting her fate.
The silver deed was thrown in front of Lin Fu and said angrily: "What did you say to make it difficult for me to say goodbye? I can only trouble you to take care of this silver deed!"
Lin Fu smiled shyly and took the silver deed and folded it. Only a few people knew about the Su family case, not even Jun Xun. The silver deed with Su Mei as the deed owner could not be put into the inner treasury, so Xiao Man could only let it go.