Chapter six hundred and forty-one small earthquake in the silver industry
After sending away Dong Yushi who came to intercede for the Western merchants, Li You lowered his head and thought for a moment.
In his opinion, if you want to expand your banking business quickly, it is a good idea to partner with Western merchants. What Dong Yushi said is not wrong. But even a partnership is not such a partnership method, let alone this time.
That's why he rejected Dong Yushi's mediation.
The business he created can allow others to take a share of the pie, but he must take the lead and take the initiative. The method and timing of cooperation must be his idea. As he said to the eldest princess, only he, Li You, can see this era.
We have a clear direction for the future! Thinking of this, Li You involuntarily puffed up his chest, filled with the pride of who would be better than me.
Thinking back carefully, it seemed that no matter which industry he was involved in, he would always be the enemy of the entire industry. He fought with the salt merchants in Yangzhou for about a year, and fought with the coal shop alliance in the Beijing Coal City for a month. This time it was the turn of money.
Finished your career?
I don’t know what the banking industry will do this time, but I guess they will form an industry alliance to suppress this heretic like him.
"Master Shang from Xuyi is here." At this time, the family reported the news outside the study and sent in a post, which interrupted Mr. Li's reverie.
Li You took the post and looked at it. It turned out that when he was fighting floods and rescuing the Baohuang Mausoleum in Sizhou the year before last, the magistrate of Shangxian County, Xuyi County, who cooperated well with him, came to visit him. There was also a gift list attached to the post. After a brief look, it was quite valuable.
Li You couldn't help but burst into laughter. This old man Shang was quite particular now. He remembered that he was very poor when he was in Xuyi and was not very good at moving around, so he always acted in front of the county magistrate. He then ordered: "Since my old friend is here to visit, please come in and meet me."
It turns out that Shangzhi County also came to Beijing to take the exam after his term of office expired this time. It is not a big problem to be promoted to a higher level based on his merits. In any case, during these Taiping years, there were really very few local officials who participated in quelling major rebellions and rebellions.
He came to visit Li You for another reason. He has a nephew who is famous for his work and will go to Beijing to take the exam next year. However, no one can predict the competition, so Mr. Shang wants to find a way out for his nephew.
. But his connections are very poor. Otherwise, he would not have been the county magistrate for many years. Among the people he knew in the capital, the only famous one was Li You.
Mr. Shang thought that if his nephew failed to pass the Jinshi examination, he did not plan to wait for another three years and directly select officials in the Ministry of Personnel with the title of Juren. Therefore, he wanted to ask Li You for help here. First, he would select officials as soon as possible.
The second is to find a decent official position.
It is difficult for others to run an official selection at the Juren level, but with Li You's network of contacts in the official department, it is not difficult. He did not beat around the bush and readily agreed: "When the time comes, it really comes into use."
, I try my best.”
Mr. Shang thanked you profusely: "I cannot say thank you for your kindness, but I will express my gratitude to you."
He and Li You only spent a month together in Sizhou and Xuyi, and both of them were good friends of King Su Songdao who participated in politics. In fact, this kind of friendship may not be enough to persuade others to help select officials. It should be noted that official selection is an officialdom.
It is the most difficult thing to ask for help. Therefore, Mr. Shang was mentally prepared to encounter difficulties. However, he did not expect that Li You was so easy to talk to.
It is true that people's words are to be feared, but rumors cannot be believed, Lord Shang thought to himself.
Li You raised his hand, waved the gift list in his hand, and showed a strange smile, "When I met Mr. Shang in Xuyi. You love the people like your son, and the poor like water, how can you give me such gifts now?"
Shang Zhixian smiled awkwardly and replied in a vague tone: "I borrowed a little, I borrowed a little."
Sure enough, it was borrowed... Li You understood immediately. There is indeed a very prosperous business in the capital, which is lending money to officials. Shangzhi County probably borrowed money from this source.
Most of the officials who borrowed money were those who had just obtained their titles and were about to be elected, or local officials who had entered Beijing. Their purpose of borrowing money was very simple, just for socializing.
When officials from other places or newcomers to the officialdom arrive in the capital city where officials are densely populated, they usually have a lot of social activities. They can socialize with people from the same year, classmates, old friends, etc., and the corresponding expenses are not small.
If they are officials who have just been elected and have not yet gone to other places, or other officials who are short of money for various reasons, they may not be able to cope with this kind of entertainment. Then at this time, they have to borrow money from creditors, such as those who lend official debts.
The industry naturally emerged as a result.
The general process is that poor officials borrow money for socializing and entertainment, select officials, go to places to take up posts, and use their income to pay off the debt. The creditor can send one or two people as long-term followers to follow the officials to the place until the debt is settled.
Li You could tell from what he heard that Mr. Shang borrowed money from this channel to build relationships and give gifts, so he could start from here. Thinking about this, he asked: "In that case, I would like to ask Mr. Shang to do a small favor."
."
Shangzhi County was puzzled. This Li You has hands, eyes, and wealth. What can he ask for? But he still replied: "Master Li has been assigned a mission, and I dare not say goodbye."
Li You gave a few instructions in a low voice. After hearing this, Master Shang was surprised and said, "This is not good. How can I make it work?"
"Sir Shang, you are at your age. Being an official is hard and tiring. What else do you have to do? Just be promoted to the sixth rank of casual rank. You can go home and take care of yourself in old age. Why bother to continue your official career?" Li You persuaded: "Besides, it is expensive.
The future of the government lies with your nephew, and it is up to me to choose his official position. I dare not say that the future is bright, but I will never treat him badly."
This... Shangzhixian lowered his head to consider, and Li You was not in a hurry. He drank tea slowly and waited. After a while, Shangzhixian raised his head again, gritted his teeth and said, "Only by order!"
Two days later, a startling news suddenly broke out in the banking industry in the capital - the owners of twenty-one large banks, money shops, bank accounts, and account bureaus in the capital announced at the Shanxi Guild Hall that in these twenty-one large banks,
Implement bill exchange among them!
As the name suggests, among these 21 money shops, any bank check issued to a customer can be cashed and used at any other shop.
Although the shock level of the Twenty-one Exchange was much worse than the cross-region exchange envisioned by Li You, it was nothing less than a minor earthquake for the current capital industry.
And to a certain extent, this is also a behavior that caters to market demand and has been welcomed. Firstly, the strong alliance of the 21 companies has increased the overall credit; secondly, a true "Jingshi Pass Bank Note" can emerge.
, easy to use.
A layman sees the excitement, an expert sees the door. The 21 people who have joined forces this time are all well-known large shops in the industry in Beijing, but Huichang Bank, which has gradually emerged as a new force this year, has been excluded. This is worth pondering.
Shopkeeper Dai hurried to the Cultural and Propaganda Institute to see Li You and reported truthfully: "The situation today is not good. Many customers want to cash in their silver coins, and it seems they want to transfer them to the 21st."
Although Li You predicted that the industry giants controlled by Western merchants would join forces, he did not expect that it would come so quickly, and the measures were more advanced than imagined. Within the limitations they were in, they had already reached their limit.
Li You couldn't help but sigh: "It is indeed a business gang with the most cutting-edge thinking these days. Does it also know how to network?"
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