Family Rise: Beginning with Grandfather

Yang Zhengshan had just sent Wu Chongzhe away, but he didn't expect Zhang Qingsong to come.

During the meeting just now, Zhang Qingsong didn't show much, just quietly listening to Yang Zhengshan's instructions.

Yang Zhengshan thought he had some concerns about purchasing grain, and asked: "But what are your concerns? If you have any, you can tell me directly."

"No, no, I just want to discuss another business with you, sir!" Zhang Qingsong said.

Yang Zhengshan was stunned, and then smiled and said: "Talk about business, haha, then sit down and talk!"

"Thank you, sir!" Zhang Qingsong sat respectfully opposite Yang Zhengshan.

"What business?" Yang Zhengshan asked curiously.

Talk about business!

Haven't we talked about everything that should be talked about?

There is nothing to talk about in the glass business, and the grain business is not really a business, because Yang Zhengshan doesn't give them a high price, but requires them to transport as much grain as possible to Chongshan Pass.

They just help for free and make almost no money from it.

As for whether they are willing to help, haha, unless they don't want to do the glass business anymore, they will only help Yang Zhengshan buy grain as much as possible.

As for other businesses, Yang Zhengshan really couldn't think of what business he could do with Zhang Qingsong for a while.

"It's not a big business, just a little idea of ​​mine! I want to make the silver bills of Datong Bank and Chongshan Bank mutually exchanged!" Zhang Qingsong said.

"Oh!" Yang Zhengshan became interested.

Mutual exchange means that the silver bills of the two banks can be used interchangeably, and the silver bills of Datong Bank can be exchanged for silver money at Chongshan Bank, and vice versa.

The advantage of doing this is that the silver bills of the two banks can be circulated on a larger scale.

For example, the silver bills of Chongshan Bank were difficult to circulate in Liaodong before, because Chongshan Bank had no branch in Liaodong, and customers in Liaodong could not exchange silver bills for silver money.

After mutual exchange with Datong Bank, the silver bills of Chongshan Bank can be exchanged for silver money at Datong Bank in Liaodong.

In this way, the silver bills of Chongshan Bank can be circulated in Liaodong.

This is a good thing for Chongshan Bank, but it is not a good thing for Datong Bank, because the circulation of the silver bills of Chongshan Bank in Liaodong is equivalent to robbing Datong Bank's business.

"Aren't you afraid that Chongshan Bank will take away Datong Bank's business?" Yang Zhengshan asked.

Zhang Qingsong said somewhat embarrassedly: "I am more afraid that the Marquis will open a branch of the bank in Liaodong!"

Yang Zhengshan suddenly realized!

Sure enough, how could a shrewd businessman like Zhang Qingsong do a loss-making business.

He is willing to lose money because there are greater interests involved behind it.

The mutual exchange of silver bills will at most damage the silver bill business of Datong Bank, but if Chongshan Bank opens a branch in Liaodong, all the businesses of Datong Bank will be damaged, such as silver and money exchange, lending, bills of exchange, and deposits.

The key is that Zhang Qingsong still dares not to be an enemy of Yang Zhengshan, and can only watch Chongshan Money House snatch the business of Datong Money House.

And Datong Money House is the foundation of their Liaoan Zhang family. If the business of Datong Money House is damaged, the foundation of Liaoan Zhang family will be shaken.

Zhang Qingsong looked at Yang Zhengshan with a begging look, "My Lord, Datong Money House is the foundation of our Zhang family. I also ask the Lord to see that our Zhang family has always been respectful to the Lord and give us a way out!"

He is really panicking now. He has been panicking since he saw the brochure of Chongshan Money House.

Once Chongshan Money House opens branches in Liaodong, Datong Money House will probably go bankrupt soon.

With Yang Zhengshan's identity and power, it is not difficult to let Chongshan Money House open branches in various places in Liaodong.

Yang Zhengshan really didn't consider this point. At present, he just wants to open a money house in Chongshan Town, and has no idea of ​​opening a money house in Liaodong.

It is normal for Zhang Qingsong to have such concerns.

Now the biggest business of the Zhang family in Liaoan is Datong Bank and glass business. The glass business is in the hands of Yang Zhengshan. If Yang Zhengshan sets his sights on Datong Bank again, then the life and death of their Zhang family will be completely controlled by Yang Zhengshan.

Zhang Qingsong does not think that Yang Zhengshan wants to kill their Zhang family in Liaoan, because if Yang Zhengshan has such an idea, there is no need to make such trouble.

With Yang Zhengshan's current power, it is just a matter of words to kill the Zhang family in Liaoan.

Yang Zhengshan pondered for a while and said: "Yes, there is no problem with mutual exchange. As for whether Chongshan Bank will open a branch in Liaodong, it will definitely not in the short term, but it is uncertain in the future!"

Again, the extent to which Chongshan Bank can develop depends on the needs of the General's Mansion.

If one day the General's Mansion needs more silver, Yang Zhengshan does not mind letting Chongshan Bank open a branch in Liaodong.

If the General's Mansion can achieve a balance between income and expenditure in the future and has enough cash reserves, Yang Zhengshan may close the Chongshan Bank.

The business of the bank is different from other businesses. The General's Mansion is not Yang Zhengshan's but the court's.

If Yang Zhengshan leaves Chongshan Town one day, the bank business must be terminated, because the bank business involves too much money and customers. Once there is a problem, it will cause great unrest.

There are so many soldiers in Chongshan Town. In the future, the soldiers will definitely deposit money in the Chongshan Bank. If the soldiers find that they can't withdraw the money they deposited in the bank in the end.

The consequence will be a riot and a military rebellion.

Yang Zhengshan can guarantee that he will not take money from the bank. Even if the General's Mansion borrows money from the bank, he can guarantee that he will definitely pay it back in the future.

But he could not guarantee that his successor would be able to do so.

So Yang Zhengshan did not have an accurate plan for the development of Chongshan Town Bank in the future.

"Then~" Zhang Qingsong was a little nervous. If he was uncertain in the future, would Chongshan Town Bank open a branch in Liaodong sooner or later?

Well, he misunderstood the uncertainty in Yang Zhengshan's mouth.

Yang Zhengshan took a sip of tea and said, "Don't worry, even if Chongshan Bank wants to expand to Liaodong, I will borrow your Zhang family's Datong Bank. At that time, I will definitely not let your Zhang family suffer too much loss. This is my promise!"

Datong Bank is the largest bank in Liaodong. Since it has such an advantage, if Yang Zhengshan needs it, there is no need to squeeze Datong Bank to death. He can use the advantages of Datong Bank to develop Chongshan Bank, and even annex Datong Bank.

Hearing Yang Zhengshan say this, Zhang Qingsong's nervous mood relaxed a little. Although Yang Zhengshan did not say that Chongshan Money House would not expand to Liaodong, Yang Zhengshan promised that they would not lose too much, which was enough to make him feel at ease.

Yang Zhengshan's reputation is still very good, especially in the eyes of merchants doing business in Tenglongwei, Yang Zhengshan's reputation is absolutely top-notch.

Zhang Qingsong believes in Yang Zhengshan's promise.

Afterwards, the two talked about the mutual exchange between Datong Money House and Chongshan Money House. In the end, Yang Zhengshan called Li Hai and asked him to discuss the details with Zhang Qingsong.

In fact, there is another advantage of mutual exchange between Chongshan Money House and Datong Money House, that is, Chongshan Money House can borrow the experience and manpower of Datong Money House.

The Liaoan Zhang family has been passed down for 300 years, and Datong Money House has also been in business for 300 years. It can be said that Datong Money House is the most professional money house in Liaodong. Cooperation with it can make up for the shortcomings of Chongshan Money House in many aspects.

With the support of Datong Bank, Chongshan Bank can also get on the right track faster and more comprehensively, which is in line with Yang Zhengshan's plan.

…

On the 20th day of the first lunar month, it is suitable to: get married, travel, get married, trade, open the market, migrate, build, and break ground. It is not suitable to: open the eyes, fast and offer sacrifices, and bury.

Chongshan Bank in Chongshan Pass opened again on this auspicious day.

The first time Chongshan Bank opened was just to issue bonds. After the issuance of bonds, the bank was basically idle. On weekdays, there were only two clerks in the shop for customers who bought bonds to check the authenticity of the bonds or to do justice for bond transactions.

Anyway, the previous Chongshan Bank was basically a mere formality.

Now Chongshan Bank has opened again and launched new business.

Amid the noise of gongs and drums, a wooden board was hung outside the door of the bank, on which it was written that there was a big opening promotion. There was no fee for exchanging silver for silver bills. Not only did it not charge management fees, but it also gave interest for depositing money in the bank.

At the same time, there were eight waiters outside the door shouting to attract customers.

For a time, many people were attracted by the bank.

Many people looked at the content on the board and talked about it.

One of the middle-aged men in a green shirt couldn't help asking: "Do you really not charge for depositing silver in your bank?"

"Of course, not only do we not charge, we also give interest, 3% annual interest!" The waiter heard someone asking and quickly replied.

"Really? You are not a liar!" The middle-aged man was a little suspicious.

He had never heard of any bank that would pay interest for depositing silver and money.

Although the annual interest of 3% was very low, it also broke his cognition.

"Liar, hahaha, this gentleman is joking, our Chongshan Bank is a bank opened by the General's Mansion of Chongshan Town, and it was supported by Lord Jing'an Yang!"

"The silver vault of our bank is the silver vault of the General's Mansion, and the guards of our bank are all soldiers of the Town Biao Camp!"

The waiter pointed to the patrolling soldiers next to him and said proudly.

The people watching around also said: "Yes, yes, yes, I remember that many people came here last year to exchange bonds, the kind of bonds sold by the General's Mansion!"

"Yes, I heard that the price of that kind of bond has increased by fifty taels of silver now!"

"Isn't it? Last year, you only needed one hundred taels to exchange for a bond, but now it takes at least one hundred and fifty taels."

"Alas, it's a pity that I didn't know that the price of this bond could increase!"

Many people talked about the bonds issued last year. At that time, Yang Zhengshan was afraid that the bonds would not be sold, but later he found that everyone welcomed this kind of bond.

What Yang Zhengshan didn't expect was that today's bonds actually have currency attributes. Many merchants will use bonds as silver, just like silver bills.

This makes bonds more popular, and even many merchants specialize in purchasing bonds. Therefore, the price of bonds has risen again and again, and now it has reached one hundred and fifty taels of silver per bond.

The middle-aged man heard people around him talking about the bills, and couldn't help asking the clerk beside him: "Do you still have those bills now?"

The clerk laughed and said: "It's long gone. Now if you want to buy bills, you can only find merchants in the city!"

"Is that so!" The middle-aged man looked inside the bank and asked: "Do you have many branches?"

The clerk smiled and said: "Don't worry, sir, our Chongshan Bank will open all the state capitals and county towns in Chongshan Town within a month, and all the generals and garrisons of various cities will escort our Chongshan Bank."

"In Liaodong, our Chongshan Bank has also reached a mutual exchange cooperation with Datong Bank. As long as it is our Chongshan Bank's silver bills, they can be exchanged for silver money at Datong Bank!"

The middle-aged man's eyes lit up when he heard this, "Then can I also use the banknotes of Datong Bank to exchange for silver here!"

"Of course!" the clerk said affirmatively.

The middle-aged man could no longer bear it, and walked directly past the clerk into the store, then took out a stack of banknotes and handed them to the shopkeeper at the counter.

"I want to exchange for silver!"

The shopkeeper was stunned at first, then took the banknotes and checked them.

Well, they are all banknotes of Datong Bank, with a total of three thousand taels.

"Sir, wait a moment!" said the shopkeeper, and then an old master came to check the authenticity of the banknotes.

This old master came from Datong Bank, and was responsible for checking the authenticity of Datong banknotes. At the same time, he also taught the clerks of Chongshan Bank some experience and knowledge about banknote identification.

"They are all banknotes of Jizhou branch, they can't be fake!" The old master quickly checked and said to the shopkeeper.

The shopkeeper nodded slightly, and turned to the middle-aged man and said, "Sir, the total amount of silver notes is three thousand taels. It has been checked and found to be correct. Is it correct?"

"Yes!" The middle-aged man nodded.

The shopkeeper smiled and said, "Sir, please wait a moment. We need to arrange someone to go to the silver vault to get the silver. It will take about two quarters of an hour. You can go to the VIP room to rest for a while!"

"If you are worried, you can also go to the silver vault with our people to get the silver. Our silver vault is in the general's mansion!"

"Can I go with you?" The middle-aged man hesitated.

"Of course!" said the shopkeeper.

"Then I will go and see too!" The middle-aged man thought it would be better for him to follow.

The shopkeeper did not say much, and immediately found a clerk and asked him to take the note to the silver vault to get the silver.

After the clerk walked out of the bank, he immediately called six soldiers and went to the general's mansion together.

The bank is in the south city and the general's mansion is in the north city. Although the distance is not far, in order to be on the safe side, the bank's guards are needed to protect large amounts of silver.

There was nothing unexpected about going to the General's Mansion to get the silver. Although the silver vault of the bank was in the General's Mansion, it was also separated from the silver vault of the General's Mansion. There was a special person in charge of the silver vault, and it had its own door and courtyard, but only one door was connected to the General's Mansion.

The reason why the silver vault was in the General's Mansion was just to take advantage of the defense power of the General's Mansion, not to say that all the silver and money in the bank belonged to the General's Mansion.

The middle-aged man quickly got the silver. All the processes were handled by the bank's clerks and the clerks of the silver vault, and he didn't need to do anything at all.

About two quarters of an hour later, the middle-aged man returned to the bank and got his own silver.

Then, he thanked the bank's shopkeeper and left the bank, but in the afternoon, he sent the silver back.

It was not because there was a problem with the silver, but because he needed to exchange the silver for silver bills, the silver bills of Chongshan Bank.