Reborn as a tyrant in the Ming Dynasty

"This is someone who wants to find out the bottom of the Baoyin No."

Inside Dongnuan Pavilion.

Zhu Youxiao leaned on the cushions and looked at Zhang Qingzhen, who was standing with his hands hanging down. The corners of his mouth turned up slightly and he said: "First, we opened branches in various branches in the capital and deposited large amounts of money. This is an encouragement to everyone at Tongbao Bank." , after all, there are so many reserves, it can be seen that there is a lot of money in the capital alone. "

"Yes."

Zhang Qingzhen's expression was a little complicated, and his words were hesitant: "When I learned about these situations, I felt that Tongbao Bank would develop very well in Beijing in the future. After all, the amount of money collected was not small, so I thought about using this money. The money needs to be loaned out, otherwise it will remain in the bank account, and you will have to pay a lot of interest when it matures."

Zhang Qingzhen’s idea is not wrong.

What you earn from opening a bank account is the price difference between the incoming and outgoing prices. The storage interest rate must be lower than the lending rate. Otherwise, how can you make money?

However, opening a bank account in the Ming Dynasty, and the banks opened in later generations, also brought a huge benefit, that is, the fees charged for foreign exchange.

Zhu Youxiao mentioned this idea to Zhang Qingzhen and the others.

When Tongbao Bank reaches a certain scale, it can be launched to the outside world. As long as this business can establish a firm foothold, the money earned by Tongbao Bank every year will be a huge benefit.

"It seems that the expansion of Tongbao Bank has touched the interests of some people."

Zhu Youxiao smiled and said, "But it's right to think about it. Before there was Tongbao Bank, interest loans in the capital area were extremely high, which allowed many people to make a lot of money. "

"Now there is Tongbao Bank, and the interest rates for external loans are much lower than private interest. But anyone who is in need will first think of Tongbao Bank."

"Your Majesty is right."

Zhang Qingzhen echoed: "It is precisely because of this that the minister did not pay attention to the people who came to borrow money. Some of them may be those with hidden evil intentions. They want to use this method of borrowing to release a batch of money from Tongbao Bank, and then the current situation formed." This kind of crowding trend.”

"Then who do the Qing family think may be involved?"

Zhu Youxiao leaned forward, looked at Zhang Qingzhen and asked.

Now that things have happened, there is no point in complaining anymore.

If you encounter a problem, solve it.

When you encounter trouble, solve it.

Blaming others cannot change anything.

"I haven't thought about this yet."

Zhang Qingzhen thought for a while, and after a brief pause, he truthfully stated what he was thinking, "But I can be sure that what happened at the Tongbao Bank this time is not the same group of people as the farce that happened in the capital and Gyeonggi. But The person who wants to cause trouble this time is related to the person who was hiding in the dark before."

"To be able to organize a seemingly unrelated but extremely targeted wave of bankruptcies in the capital city, it must be possible only for people with solid foundations. I even suspect that some of these people may be related to the imperial court. There is a close connection with the church.”

Still calm.

After hearing the conclusion of Zhang Qingzhen's analysis, Zhu Youxiao showed an expression of approval.

To be honest, from the moment he decided to set up a special bank account to strengthen his interest ties with Zhang Weixian and Zhang Qingzhen, Zhu Youxiao had thought that this would happen.

The bustle in the world comes because of profit, and the hustle and bustle in the world all goes away because of profit.

Whenever interests are involved, no matter whether there is a substantial conflict or not, as long as some people's interests are harmed, a struggle will inevitably occur.

There were too many situations like this in Ming Dynasty's past.

In Zhu Youxiao's eyes, this is a kind of internal strife!

In the original timeline, the Jiashen National Disaster occurred in the Ming Dynasty, which caused the overthrow of the Ming Dynasty Zuo. In a sense, the Ming Dynasty was defeated at the hands of its own people. If there can be less internal fighting and internal consumption, we can rely on the Ming Dynasty. The size is so large that Jianlu won't be able to pick it up.

But reality is often so cruel.

If Zhu Youxiao wants to reverse the national destiny of the Ming Dynasty and prevent the above-mentioned things from happening again, he must reshape the collapsed order so that the Ming Dynasty can be brought back on track.

And such a process will inevitably offend many groups and even make these groups feel resentful. After all, interests are involved.

No one would be willing to spit out the meat they put into their mouth.

"Then what measures can the Qing family take to save it?"

Zhu Youxiao calmed down and looked at Zhang Qingzhen and asked.

"Your Majesty, this is what I think."

Zhang Qingzhen bowed his head and saluted: "In view of the current complicated situation, I think we can temporarily adopt a tightening strategy for cashing a business. For example, how much money can be withdrawn from the bank every day. If it exceeds the corresponding amount, you must negotiate with the bank in advance. , which can alleviate the pressure of runs.”

Restricted withdrawals.

Zhu Youxiao's eyes changed when he looked at Zhang Qingzhen. This matter should have been told to Zhang Qingzhen and the others when the Tongbao Bank was opened.

But so many things happened before that Zhu Youxiao forgot about it.

After a lot of effort, the current incident occurred.

"This improvement measure can only be implemented externally after this trend is over."

Zhu Youxiao frowned slightly. After thinking for a while, he reached out and said to Zhang Qingzhen: "If we do this now, then there will be public opinion in the capital that is not conducive to Tongbao Bank, which will intensify the run." , As a result, fewer people will save money with Tongbao Bank.”

"Your Majesty, what should we do?"

Zhang Qingzhen was anxious, "The amount of money that was loaned to the outside world far exceeded the amount of money that was saved. At that time, I thought that the reputation of Tongbao Bank had established a firm foothold in the capital. Who would have thought that such a thing would happen?" , if they are allowed to redeem the silver, I am afraid that soon the reserve silver of the main bank and the branch will be exhausted, and if there are some unfavorable remarks about Tongbao Bank in the capital, the consequences will be disastrous. "

"So this battle must be won, and it must be fought beautifully!"

Zhu Youxiao said in a sonorous tone: "If you are timid before fighting, the Tongbao Bank will not last long. Since some people want to explore the bottom, let them do it!!"

Whether a team has strong centripetal force and cohesion depends on how the people underneath it behave when faced with challenges and difficulties.

A team that relies solely on motivation to maintain its strength but loses control when encountering problems is not going to work.

Since this kind of thing is happening now, Zhu Youxiao will use this matter to let Zhang Weixian, Zhang Qingzhen, Wei Shitai and other honorable men face it together. If you need to work hard, you should put in the effort, and if you need to pay, you should pay. When the situation reaches a certain level, Zhu Youxiao will take action to solve it, and the results will be different.

"Keep this matter like this for now."

Zhu Youxiao calmed down and said to Zhang Qingzhen: "Since they dare to do this, they must have a back-up plan. The more times like this, the more important it is not to be anxious and to stabilize one's mind."

"In addition, I will explain this matter to the British public and others. If necessary, money can be temporarily transferred from various companies to supplement it, and we can make up for it later. Don't be afraid. As long as I am here, no one can try to shake the Tongbao Bank."

Zhang Qingzhen was still a little anxious at first. He even heard that each company was asked to continue to allocate money to solve the problems faced by Tongbao Bank. He had an idea in his heart. But when he heard what the emperor said in the end, Zhang Qingzhen's heart was hanging. Instead, my heart dropped.

Yes.

The Emperor's wealth is quite substantial. Not to mention anything else, just the gold and silver that were seized earlier is a huge sum of money.

Who in this world can compete with the emperor when it comes to the amount of money he holds in his hands.

"And when it comes to resolving this matter, you can't come forward directly."

Seeing Zhang Qingzhen's expression change, Zhu Youxiao specifically said, "I now suspect that what happened this time is because someone wants to see who is behind the Tongbao Bank. If you are exposed, someone will definitely impeach you." .”

"The minister obeys the order!"

Zhang Qingzhen was startled and hurriedly bowed in response.

"Go down."

"I resign!"

Looking at Zhang Qingzhen's leaving figure, Zhu Youxiao narrowed his eyes slightly. In fact, he already had suspicions in his heart, but in this matter, he had to see Zhenzhang to determine who was behind it. of.

However, Zhu Youxiao is not afraid of such things at all. He even wants to know how the situation will change next. After all, if he wants to get rid of some people, he must have the blessing of righteousness. In this way, no matter how many people are killed, People will not find anything to criticize!