The villain is far from my CP!

On the fifth day of May, the Dragon Boat Festival, when the zongzi is fragrant in the streets and alleys, the twists and turns of the dry square cabinet shop are also alive again.

These old foxes don't know what they want to understand. The enthusiasm for depositing and borrowing money is unprecedentedly high, and they even take over part of the work of attracting customers to the cadres.

The folks at Ganfang can’t get enough of it anymore, and they are as busy as a spinning top every day, but the effect is also remarkable-in the middle of May, 5 taels of silver deposits have been laid on the account, which is ten times higher than when it first opened.

And the number of merchants who came to borrow money has also become an average of ten per day. Except for those whose account books are unsightly, there are two to three merchants who need to come to check.

But everyone still dare not take it lightly. In addition to strictly controlling the good and bad of merchants, they also allocate part of their energy to wait for Sheng to make a move.

No one dares to take chances, they will take food from the local snake's mouth smoothly.

The first to come are the corner diggers.

Sheng didn't know the details of Qian Fang, and he only regarded Qi Tonghe as a genius, so he asked Qi Tonghe if he would bring Qian Fang into Sheng.

Of course Qi Tonghe refused.

So Sheng issued an ultimatum, giving him ten days to think about it, if he refused to surrender, then prepare to meet the wrath of the local snake.

Promises must be followed, and on May [-]th, after still not waiting for the cadres to surrender, they officially posted a notice.

From today onwards, Sheng also began to operate the business of depositing and depositing silver. Moreover, Sheng's annual interest for depositing silver is a quarter of interest, which is a whole cent more than that of Qianfang.

The monthly interest charged on borrowing silver is two cents and seven percent, which is three percent less than the dry side.

Since conspiracies and tricks don't work, the most brutal way for the big brother to beat the younger brother to death is to drop the ten meetings all at once. Sheng's decades of accumulation in Dongdu are no joke.

Invisible gunpowder smoke filled the only two cabinets in the eastern capital, and there were no swords, lights or swords, but white silver and silver being sent to the battlefield like flowing water.

Of course, merchants are happy to see the results, and competition can often bring better conditions to those who spend money.

Even the old foxes had already expected this day, and what was sent to Ganfang was only a small part of their belongings, just waiting to be sold.

As a result, it was visible to the naked eye that the number of depository merchants entering Qianfang's threshold dropped sharply, and on Sheng's side, even if they didn't know how many numbers those people had in their arms, they knew that it was a terrible number from the number of people who came to the door.

At noon this day, during lunch, Ganfang finally got a relatively specific amount.

These days, the guy in charge of inquiring about the news had a serious expression on his face, stretched out a fist, and then opened it.

"Five... one hundred thousand?" Someone answered.

This person originally wanted to say the same [-] as Qian Fang, but after thinking about it, he was still not so cheeky, so he added ten.

"No," the guy shook his head and said slowly, "It's 500 million."

"Pfft!" Three people in the room sprayed tea on the spot.

Even Baiqiao raised his eyebrows slightly.

It is so fierce, it is full of horsepower, and anyone who comes will not be rejected.

"Then, what should we do?" Everyone looked at each other, without any particularly depressed expression on their faces, and then looked at Baiqiao in unison.

——Qi Tonghe has now become the second in command in their hearts.

The corners of the man's eyes twitched, he sighed softly, and glanced at the little girl beside him.

Youyou said: "What's your opinion, Miss Bai?"

Bai Qiao frowned lightly, lost in thought.

500 million taels, with an annual interest of 7000 cents, converted into a monthly interest of 3 percent, there is more than [-] taels for the monthly interest expenses, plus the wages of the guys, board and lodging, bodyguards to keep the silver taels, and so on. The maintenance of a large shop costs at least [-] taels.

How much silver deposits must be released to maintain it?

And more importantly, do they really dare to release so much silver deposits.

After slowly sipping a cup of tea, Bai Qiao finally raised his eyes thoughtfully.

"In the next two months, the number of people who come to Qianfang to deposit silver will definitely decrease. The target at the end of June is 20 taels. If 6000% is released, we will have about [-] taels of income a month."

There was silence in the room for a while, and someone murmured, "6000 taels, so many people still have shops, I can't afford it."

However, this time, Bai Qiao just said indifferently: "Be patient, at most three months, the event will be subdued."

Really.

Everyone's heart is beating a drum.

After learning about Qianfang's situation, the ten people who came to work as apprentices almost left two in panic.

In fact, Bai Qiao was a little bit clueless, but she wanted to bet that the villain wasn't that powerful.

Otherwise, he wouldn't have done such a thing of wantonly absorbing deposits without even clarifying his own position.

What's more, she still has Qi Changting.

Her male protagonist is so smart, he must be able to play a beautiful match with her!

In Shengguifang, shopkeeper Sheng hugged his white wine belly, nestled on the wicker chair, and listened to the staff's report on the situation.

When Qi Jingmin was away, he was the local emperor of the largest cabinet shop in the eastern capital, holding two iron walnuts in his hands, and a wrench on his thumb, rubbing against each other and making toothache sounds.

"500 million." The man frowned when he heard the number, "What about the borrowers? How many are there?"

"Borrowers," the guy paused, "A total of 700 million taels of documents have been handed over from large and small merchants, but..."

The guy's eyes dodged, and he didn't know what to say.

Shopkeeper Sheng narrowed his eyes slightly, and said with a sneer, "But, you don't know if they will be able to pay it back then?"

"It's not that I don't know at all. There are three time-honored brands that have been operating in Dongdu for decades, so there is probably no problem." The man smiled awkwardly.

"Oh, how much do they have to borrow in total?"

"One... 100 taels."

100 million.

Based on the monthly interest margin of two cents and three percent, the monthly net interest margin earned is no more than 2 taels, which can barely cover all aspects of Xiasheng's maintenance.

As Qi Jingmin's property, Kesheng's biggest expense was never the shop itself, but a large amount of money to communicate with each other every month.

The guy frowned at the shopkeeper, rolled his eyes and said, "Actually, those smaller shops are not all useless. Look at the dry prescription, didn't they also lend money to Santang medicine shop, Huanyun tea?" The shop, which is not well-known, has also returned.”

"The ordinary people who can't wait to come to the stage can do it, and we should be able to do it too."

"Oh?" Shopkeeper Sheng seemed to smile, and asked with interest: "Then which shop do you like?"

The guy couldn't hide the joy on his face, and hurriedly said: "There is a bookstore called Dian Ze on Jinzhao Street. Since its opening, there have been a lot of customers every day, and the villain thinks it is quite appropriate."

Shopkeeper Sheng lowered his eyes calmly, and said slowly, "Okay, I see, you can go."

The guy seemed to have something to say, but seeing that the shopkeeper didn't want to hear it, he had to swallow it obediently for the time being.

"Code." Sheng Tangde twitched the corners of his mouth, but it was just a small bookstore opened by the guy's distant relative.

Such small shops are like weeds on the roadside. In the huge eastern capital city, dozens of them pop up every day, and at the same time, dozens of them disappear completely every day.

The ghost knows when they will die, and who will pay back the money at that time?

But if you don't borrow it, it's equivalent to Shengbai keeping those silver taels, just to make Qianfang have no silver to save.

Damn it, only the inexplicable shopkeeper Qi Qianfang, who has used some shady methods, can catch these shops so accurately!

The walnuts in Shopkeeper Sheng's hands were being rolled more and more quickly, and finally, at a certain moment, there was a crisp sound, and the jade wrench turned into several pieces, which scattered sparsely on the carpet.

The man sighed, raised his hand and pinched the space between his brows.

Let's wait and see who will boil to death first.

Looking at both sides, it was nearly two months.

In the square market, there are still people who secretly opened the bet, who will be the final winner, the odds of Qianfang are too high to bear to look at.

But with the passage of time, more and more small merchants, even medium-sized merchants, complained that the eyes of Shengguifang are higher than the top, except for those time-honored brands that are deeper than trees in Dongdu, they can lend money. When I went there, I was stunned.

Can only turn back to Qian Fang's arms.

The odds of the dry party are finally lower, but the amount of bank deposits cannot keep up, so everyone is still not optimistic.

However, in July, a news suddenly came out from the palace that the queen mother was seriously ill. In order to pray for the queen mother, the emperor wanted to hold a grand birthday for the queen mother, and lead the hostess of the White Horse Temple into the palace. body.

This is a matter of the royal family, and even the merchants closest to the imperial city don't think it has anything to do with them.

But at this juncture, Sheng caught off guard and posted a notice.

——From now on, the annual interest rate of Shengcun Bank will be changed to two cents, and the monthly interest rate will be changed to two cents and three percent for merchant loans.

What, what does this mean? !

The biggest pain point for Qianfang right now is that no one deposits silver, and Sheng actually took the initiative to cut interest rates? !

So, this counts as throwing in the towel?

It doesn't seem to be the case, after all, Rensheng also said clearly:

Shengguifang has a deep foundation and a huge volume. With such an advantage, it should be beyond the reach of others. For example, the behemoths from all walks of life in the Eastern Capital City, if they go to Qianfang to borrow money, can Qianfang afford it?I can't afford it, so Sheng is responsible for this part.

And this kind of deep-rooted time-honored brand has almost no possibility of paying back the silver, so the interest that can be provided to the depositors is relatively low. In view of the fact that the people in the city are more inclined to dry recipes that may lose their money, they are still stable. .

Everyone is contributing to the prosperity of Dongdu!

It seems to be right.

But the common people look at the fun, and the high-ranking officials look at the way.

The common people don't know the boss behind Sheng, and some super-rank officials in the court know the inside story, but they are keenly aware of something from this group of flowers.

The queen mother's birthday is a big event, and money needs to be allocated from the treasury.

In the past few years, the state treasury has to repay the loans borrowed from Huainan merchants for dam dredging, and it may not be easy to get such a large amount of silver.

The treasury is short of money, and Sheng stopped his money-burning behavior at the same time. Is it a coincidence?

Qi Jingmin read back and forth several times the secret letter written by Huang Sheng, Minister of the Ministry of Household Affairs, and his forehead twitched.

The household department of Shengguifang belongs to him. Before him, it belonged to his maternal ancestor's family. The accounts have been connected for decades, and the inextricable connection has long been unclear.

Sheng is like his purse, if you take the official silver taels around, it can become his private silver.

However, there is a lot of washing, so how much has to be paid back, the queen mother's birthday is a big event, if the treasury says at this time that it can't get the silver taels, the emperor will definitely order a thorough investigation, and the fox's tail will inevitably be exposed at that time, so Sheng Xian can only vomit some.

And this spit, it can't afford the cost of competing with Qian Fang for money.

What's more, when the Queen Mother fell ill, it was Qi Changting who immediately proposed to hold a birthday banquet to pray for blessings.

Is this "again" also a coincidence?

Qi Jingmin couldn't help thinking deeply.

But as far as the civil and military officials were concerned, they had never experienced the repeated torture that Qi Jingmin had suffered. No one really regarded this incident as the third prince's ulterior motives, but praised him for his pure filial piety.

Long Yan is also Dayue, and the military post that had been pending to be given to the third prince was officially awarded:

The commander of the military and horse divisions of the five cities commanded the internal defense of the east, west, north, south, and middle of the eastern capital.

There are not many troops, but they are the closest to Miyagi except the Forbidden Army.

Amidst all the praises, the Queen's order was passed on to the First Prince's Mansion.

The queen missed her son and sent him to the palace to have a meal together.

The square table is placed in the small garden, besides the graceful and luxurious woman, there is actually another slim woman with a gauze covering her face.

The light blue skirt outlines a small waist that can be grasped gracefully, and there is a bronze medal on the waist, with the word "leaf" written on it.

It was Ye Huan, the daughter of the prime minister of Ye Mansion.

The author has something to say:

Qi Jingmin: You know the tears of fish, but who knows my tears?

Bai Qiao: I, the murderer is the murderer.