Don't go back to hometown

A few days after Jiang Xianyu came back, the opening day of the Four Seas Bank arrived.

During his absence, Xie Cheng had already arranged everything and hired an experienced shopkeeper.

The shopkeeper, surnamed Huang, was squeezed out when he was working in the old bank and was not valued by the master.In the previous life, after Xie took over the bank account, he found that he was extremely talented, so he kept him.

This time, Xie Cheng did not show up for the opening, but instead pulled Jiang Xianyu to sit and watch on the opposite teahouse.

The bank was re-opened at the original site, located in the bustling main street full of people, and now it has a brand-new plaque covering the red silk.

When the auspicious time came, shopkeeper Huang unveiled the red silk, set off firecrackers, and invited a team of dragon and lion dancers to warm up the scene.

When the crowd gathered, shopkeeper Huang stood in front of them, and said loudly: "I think you all know that this bank was originally sealed up by the government. Now that the case is over, this bank has also changed hands and reopened, officially renamed Sihai Bank."

"My master said that the boss who deposits money in the original bank can exchange the principal and interest with us with the bill. The boss who borrowed money in the original bank only needs to repay the money according to the contract. If you repay within one month, you can get a [-]% discount, and if you repay within five days of opening, you can get a [-]% discount!"

"Is this true? Your master is also willing to bear the bad debts of the previous boss?" Someone in the crowd couldn't help asking.

Shopkeeper Huang said with a smile: "Originally, after the government seized the money, the remaining silver in the bank account should be returned to the bosses who deposit the silver. But my master said that sincerity is the foundation of opening a bank account, only by reassuring everyone can we get together." Wealth makes money, so pay out of your own pocket to make up for the shortfall, and never let the bosses lose a copper coin!"

"The new boss is righteous! It's much better than the old bully!"

On the opposite side of the teahouse, Jiang Xianyu chuckled and looked at Xie Cheng with crooked eyes.

Xie Cheng looked helpless, he didn't really want to be compared with the previous boss.

"Then what if I borrowed a loan and refused to repay it?" Someone asked at the bottom.

Shopkeeper Huang said: "You are just joking. All the bosses who borrow money are operating with integrity. They are making money every day. It is unethical to renege on debts. The big guys are watching! And we still have the government to make decisions. When the time comes to pay back the money, Naturally, it cannot be relied on."

The buzzing discussion in the crowd stopped, and after a moment of silence, the pot exploded again: "This new boss is quite tough, and he is not afraid of being repugnant."

"This must be a wealthy family, right? Otherwise, how could I be so confident!"

"There must be some contacts in the government. Otherwise, how could such a sealed bank account be reopened so easily? I heard that there were also sealed bank accounts in the past, and the money could not be recovered."

"Why don't you say it's better for us, the governor! To be an upright official and plead for the people, how can those corrupt officials compare!"

"Then how much is the interest for depositing money with you?!" Someone in the crowd suddenly yelled.

The shopkeeper Huang replied: "The monthly profit is [-]% for any deposit and withdrawal, and the whole deposit and withdrawal, starting from three years, the monthly profit is [-]%."

Everyone below gasped: "Three cents?! You're not a liar, are you? Other banks only pay two cents at most."

Shopkeeper Huang explained: "The three per cent interest must be deposited for more than three years. If the silver is exchanged in advance, it will still be one per cent. There are discounts for other amounts of deposits and deposit periods. You can Go to our bank to learn more about it."

Everyone was shoving and hesitating, the treasurer of Xiejia Linglong Fang came to the door with a receipt, "I have a receipt for 5 taels of silver deposit, can I withdraw it now?"

Shopkeeper Huang said: "Of course it's fine, please come inside."

The treasurer of Xie's family said again: "Then I exchange the silver and deposit it for another three years, can I get three percent interest?"

Shopkeeper Huang was taken aback for a moment, and immediately reacted, and said with a smile: "That's right, that's right!"

The crowd also reacted quickly and exclaimed: "This boss is still amazing. After three years of depositing like this, you can exchange more than 5000 taels of silver!"

"Really?! Did you miscalculate? How could the net profit be more than 5000 taels?"

"That's right, the interest for three years is 400 taels! It's a big profit!"

Jiang Xianyu in the teahouse was also shocked, did some mental calculations, and looked at Xie Cheng: "Why do you want to separate deposits and withdrawals at any time and deposits and withdrawals as a whole?"

Xie Chengdao: "Ordinary wealthy families don't have much money on hand, the amount is small, and the liquidity is large. Basically, they deposit and withdraw as they go. But those big businessmen have spare money in their hands, and they don't withdraw it for three years. We have enough time to live with money. Money, three percent interest is not a big deal."

Jiang Xianyu also felt reasonable after thinking about it: "In this way, those bosses with large deposits of silver will not easily redeem the silver in advance, and there will be no simultaneous runs and poor turnover."

"Exactly." Xie Cheng looked at him with a smile, full of admiration.Although the young man is not good at the way of Confucius and Mencius, he is very smart, and now he is even smarter, and he can understand a little bit.

Jiang Xianyu also looked at him with admiration on his face, "No wonder you were able to reach the whole world with the Silver Bank of the Four Seas in your previous life."

Such a high interest rate will definitely attract many people to come to deposit, and three years later, Xie Cheng has already made a lot of money from the savings, and even provided a large amount of money to the Nine Kings.

The boss who has paid the principal and interest will only trust Sihai Bank more and continue to deposit money in it.

Just like today, with the treasurer of Xie's family taking the lead, many bosses who came to exchange money may continue to deposit money.

"Then how do you plan to make money out of money?" Jiang Xianyu couldn't help being curious.

Xie Chengdao: "Loan lending is only one of them, and it is risky and difficult to recycle. It is better to leave the money in our hands. There will be snow this winter, so let's stock up on charcoal and cotton clothes first. We will not raise the price and only pay back the money. The situation will improve next year. Let's do other business."

"When the sea pearls from the south are transported to the north, the price can be more than ten times higher. With the Xiejialang Yuzhai's signature, we can definitely make a lot of money by developing some new styles."

Jiang Xianyu nodded: "Your uncles, are they planning to hand over the shop to Uncle Xie?"

Xie Cheng: "Well, after holding on for a few months, I already have the intention of backing down, but I haven't negotiated a price for letting go. However, I should let go if I can't last this winter."

Jiang Xianyu twisted the teacup and thought for a while, "You said last time that salt can dispel snow, can we think of a way to stock up on some salt?"

Xie Cheng shook his head: "Official salt is strictly controlled, we can't hoard much, and it is easy to attract the attention of the government. It is better for the teacher and Jiu Wang to come forward."

Jiang Xianyu nodded. He was talking about salt when he saw the cakes on the table. He thought: "Food is the most important thing for the people. Besides Haizhu, the business of restaurants seems to be good."

Xie Cheng smiled and pinched his ears, "That's right, I heard that there is a kind of spicy hot pot in Sichuan, and it's bitterly cold this year, so there must be many people willing to try it."

Jiang Xianyu had eaten that kind of spicy pot in Sichuan in his previous life, which was similar to the antique soups in the north and south of the Yangtze River, but it was more delicious and spicy, warming the body and warding off the cold.It would be really rare if it could be introduced into Jiangnan and Beidi.

only……

Jiang Xianyu couldn't help being distressed: "I'm afraid that when the time comes, everyone will not have much money in their hands."

Xie Cheng: "It's okay, we will make rare things in the first year, and we will start from the capital."

Jiang Xianyu's eyes lit up, the rich and powerful in the capital would not be stingy with money!

"Then shall we start preparing now?"

"I have already hired a master who is good at Sichuan cuisine to study the recipe, do you want to try it?"

Jiang Xianyu immediately stood up: "Of course!"

……

The opening ceremony of the opposite bank has ended, and many people came in to inquire about bank deposits.

Customers who saved money on the spot, regardless of the amount, will receive a small golden pig necklace. Next year is the Year of the Pig, and they can wear it for their children to keep them safe.

Jiang Xianyu and Xie Cheng stood outside the door and watched for a while. Seeing that everyone was beaming, they were both relieved and worried.

Most of these families who could save money could also afford cotton-padded clothes and charcoal to survive the natural disaster.Those who need more help are the poor farmers in the countryside. Their living conditions are more difficult and they have little spare money in their hands.

Xie Cheng saw his worry, held his hand, walked through the crowd, and comforted him: "The magistrate of Yangzhou organized farmers to repair their houses, and registered many poor households by the way. Langyun Pavilion made several batches of winter clothes, and after a few days Send it to them tomorrow."

"Yeah." Jiang Xianyu let out a breath of white air and sighed, "I hope everyone can get through this winter."

The two walked away through the crowd, Jiang Xianyu suddenly looked back to the second floor of the restaurant on the side of the road.

Xie Cheng: "What's wrong?"

Jiang Xianyu stopped in his tracks: "I always feel that someone is watching us."

Xie Cheng glanced around and saw nothing unusual.

But Jiang Xianyu came to his senses, let go of Xie Cheng's hand, coughed uncomfortably, and muttered: "I'll just say..."

Can two big men hold hands in the street without attracting attention?

Xie Cheng had no choice but to withdraw his hand, and did not force to be intimate in front of others.

Little did they know that the window on the second floor of the restaurant was pushed open, and a man with a strong figure and a solemn face stood in front of the window, watching the two of them leave.

Like, it's kind of like it!

He received a secret letter stating that Princess Ya was visiting a family in Yangzhou, and one of them was a boy of seventeen or eighteen who was somewhat similar to the Empress Dowager Jiang. He thought it was another false news, but unexpectedly there was such a person.

"My lord?" A young man behind lowered his eyes and lowered his head, asking softly.

The man's voice was thick and hoarse: "Check those two young men."

"Yes."

……

On the day of the heavy snow festival, the first heavy snow fell in Huai'an.

Immediately afterwards, it began to snow in Jinling and Yangzhou, and the prophecy of the snow word in front of the Zhongwang Mansion was fulfilled. The Holy One immediately selected the imperial envoys to rush to the south of the Yangtze River, ready to deal with the disaster at any time.

At that time in Yangzhou, the Jiang family had just arrived at Lu's family to hire, and asked to marry Lu Shan's long-loved daughter.

At night, Jiang's father and Jiang's mother called Jiang Baizhou to the main courtyard to discuss the wedding date.

"There are still two auspicious days at the end of the year. One is the end of this month, and the other is the [-]th of the twelfth lunar month. It's too late to catch up, but now it's really snowing, I don't know if Xiao Yu will come back." Mother Jiang worried.

Jiang Baizhou didn't expect that the younger brother said that it was cold this year and asked them to stock up on charcoal and cotton clothes to prevent disasters, and it was really expected.

"What about next year?"

Mother Jiang said: "It won't work in the first month of next year. I'm afraid Xiaoyu will escort Xie Cheng to the capital to take part in the examination in February. Why don't we come back until April or May."

Father Jiang glanced at his eldest son, "Tentatively set the [-]th of the twelfth lunar month, and discuss it with the in-laws. If it is really not suitable, we can only do it next year."

Jiang Baizhou pondered for a moment: "If there is a disaster at the end of the year as my younger brother said, we should not make a fuss."

Mother Jiang: "It should be after the beginning of spring next year."

Jiang's father nodded and patted his son's shoulder: "It's fine, anyway, the daughter-in-law has also made up her mind, don't worry about it for a while."

Jiang Baizhou: "..."

Actually quite urgent!

Really!

At this moment, the sound of sharp weapons whistling and breaking the wind suddenly came from outside the door.

Father Jiang dodged, and saw a black iron dart nailed to the cabinet behind him.

Father Jiang's face turned cold, he took off the dart, picked up the long knife and rushed out the door.

Outside the door, a solemn man in black stood in the courtyard with his hands behind his back.

"Shen Zhui." Father Jiang threw the dart at the opponent viciously.

Shen Zhui turned sideways to avoid it, and said in a deep voice, "Jing Tao, back then you also called me uncle."

Mother Jiang chased after her with a sword, and when she heard this sentence, her face turned frosty: "You are also worthy of the shameless person who betrayed my father?"

Shen Zhui froze, looked at her and slowly frowned: "No wonder, you actually dug out the mole between your eyebrows."

No wonder she couldn't be found then.

Mother Jiang has a red mole between her eyebrows, and her appearance is somewhat more beautiful than that of Empress Dowager Jiang.When she fled the capital that year, Mother Jiang used a dagger to dig out the too conspicuous mole between her eyebrows, leaving a scar between her eyebrows.

Mother Jiang drew out her long sword: "What is the purpose of Commander Shen, why don't you just say it."

Shen Zhui's face darkened slightly: "As long as you hand over the token of Tianxin Mansion, I have no intention of killing them all."

Father Jiang couldn't help but sneered: "Shen Zhui, it's in vain for you to plan for the rest of your life, and you still fell into the trap of the dog emperor. The so-called token ordering the Tianxin Mansion to return to the hermit forces is just the evidence of the alliance between the three Jiang, Chen, and Yan families. You know best whether you can order your subordinates." I never thought that you would listen to such rumors and be fooled by the dog emperor!"

"Wrong," Mother Jiang sarcastically said, "Commander Shen is a dog by Your Majesty's side."

Shen Zhui tightened his jaw to suppress his anger, and the guess in his heart was confirmed, and he couldn't help feeling chills.

But he still has doubts about the Jiang family: "If you really have a clear conscience, why are you approaching Princess Rui?"

Li Mingya's biological mother was a descendant of the Yan family. Prince Rui married her back then to obtain the token of Tianxin Mansion, but it seemed that he had not succeeded.Since the token is a rumor, it is hard to guarantee that the Jiang family has no other purpose in getting close to Li Mingya.

Father Jiang chopped the long knife to the ground, and said angrily: "I can't explain it to a villain like you who is full of calculations! Although my Hidden Sword Villa is not as strong as it used to be, I don't have the power of one against a hundred as rumored by you. But going to the Forbidden Palace at night to get the head of the dog emperor is still a trivial matter. If you insist on disturbing our peace, I, Hidden Sword Villa, don’t mind earning a living, and let this world be replaced by another person!”

Shen Zhui's face changed slightly.

He knew that Jiang Jingtao was not alarmist. Even if the power of Hidden Sword Villa was not enough to cause them to revolt and change the world, but with Jiang Jingtao's superb left-handed swordsmanship and his familiarity with the defense of the palace, it was indeed not wrong to sneak into it and murder the Holy Majesty. Difficult.

If it weren't for this, the Holy Majesty wouldn't have had trouble sleeping and eating for twenty years, constantly increasing the hidden guards and bodyguards around him.

Shen Zhui has intentionally relaxed his pursuit of Jiang's family over the years, just because he doesn't want to push people into a hurry and make it difficult to end.

After all, they are descendants of Jiang Weifeng, so there is no need to call thousands of troops to meet each other.

Shen Zhui closed his eyes, and when he opened them again, he was calm, and said in a deep voice: "Since you have retired to the countryside, don't interfere with the affairs of the court, so that your youngest son can take care of himself."

After finishing speaking, Shen Zhui flew away and disappeared into the night.

The cold wind howled, and the snowflakes swirled and fell. Father Jiang's hand holding the knife was icy cold, and the white air he exhaled almost blurred his vision.

He was silent for a moment, then said, "Let's go to Jinling."