Daming Town Haiwang

Chapter 2026, violent storm

In the Liang Mansion of the capital city, Liang Cixi is studying the First Bank of Ming Dynasty carefully in his study.

"The interest rate of the Daming First Bank's loan is so low, and it still needs to pay interest to the depositors. The difference in interest rate is very small, but the risk of going out with this mortgage is very high."

"What does the First Bank of Ming Dynasty rely on to make money?"

"In the past, when banks borrowed money, they basically paid nine times out and thirteen returned it. This is relatively common, and those who make a lot of money are even more terrifying. The annual interest is several times more than the principal. .”

"The First Bank of Ming Dynasty has an annual interest rate of less than 10%. With such a low interest rate, it can still make money."

"If our Huihai Bank continues to operate like this, the money might as well be used for business."

Liang Cixi frowned. As a son of a powerful and powerful man, although he was arrogant and domineering, he was also a man with a lot of brains and knew how to run a business.

"It takes at least tens of thousands of taels of silver to open a branch, and at least dozens of people are required to operate it. In addition, every online store needs at least tens of thousands of taels of silver to fill the place. This big city branch, the money needed is more and bigger.”

"Based on this calculation, our Huihai Bank's principal of 5000 million taels can't stand the toss at all, and we won't be able to open many branches."

"But if this branch is not opened, it will be very inconvenient for customers to use money, and naturally they will not want to deposit money in our Huihai Bank."

"There are also the bank notes and silver dollars of our Huihai Bank. Up to now, everyone has not recognized or accepted them, and they can't be used at all."

"Why is it so difficult to open a bank?"

"What is the secret of this Daming First Bank?"

Liang Cixi thought carefully, and now he was worried about Huihai Bank.

During this period of time, his main energy has been to open a branch for Huihai Bank, and for this reason, he also went to many big cities for investigation.

As the branches opened one by one, Liang Cixi soon discovered a problem.

Without opening a branch, Huihai Bank needs to spend almost one hundred thousand taels of silver, and branches in big cities need to prepare hundreds of thousands of taels of silver, and they have to mobilize the silver at any time.

There are very few depositors, but there are many people who come to borrow money, and they often have a big appetite, opening their mouths for loans of tens of thousands, hundreds of thousands, or hundreds of thousands of taels.

Don't approve it, it seems that Huihai Bank has no strength, it makes people laugh, and everyone distrusts it even more.

But if this batch goes on, the money in the hands of Huihai Bank will be stretched all of a sudden.

The deposits are almost zero, no one deposits in at all, but the loan business has always been a lot, and this money keeps flowing out, which also makes Liang Cixi anxious.

"Young master, young master, something serious happened!"

Just when Liang Cixi was thinking about Huihai Bank, the housekeeper hurried over and said.

"Hurry up, what happened?"

Liang Cixi asked quickly.

"The news just came from Huangjinzhou that our family's gold mine in Huangjinzhou was ransacked by horse thieves. Not only were all the slaves killed and the gold mines mined were robbed, even the children sent by our Liang family were not left. All were killed!"

"Even the third young master in Penglai City was beaten to death because of an argument with someone."

The butler told the bad news.

"what?"

When Liang Cixi heard this, he was stunned and opened his mouth wide in disbelief.

The gold mine was looted, the children of the family were killed, and even his younger brother was beaten to death.

It's unbelievable that something like this happened in broad daylight.

"how can that be!"

Liang Cixi couldn't believe such a thing.

My Liang family is not an ordinary family, my father is now the Shangshu of Daming, and he will enter the cabinet in the future and become the prime minister of the cabinet.

In this world, there are still people who dare to loot the gold mines of their Liang family, and even beat their own younger brother to death. This is simply appalling and makes people shudder.

"Who did it?"

"Get someone to investigate, let me find out, I will kill their entire clan to avenge the third brother!"

Then Liang Cixi's eyes were blood red, and he was extremely angry, like an angry lion, wanting to choose someone to eat.

When he arrived in the capital, Liang Cixi was more restrained. If he was in Foshan and Guangzhou, he was notoriously arrogant and domineering. He was the only one who bullied others, and no one dared to bully him.

It's good now, someone actually stood on his own head to shit on Lani, and even beat his own brother to death.

"Yes!"

When the butler heard this, he hurried to handle the matter.

Liang Cixi was extremely angry, but his head became sober.

Why is this happening?
The gold mine in Huangjinzhou has not had any incidents, and it can contribute a good amount of income to the Liang family every year. In addition, the Liang family also has a lot of industries in Huangjinzhou.

Gold mines, silver mines, petroleum, plantations, commercial banks, etc., although the scale is not particularly large, and the number of gold mines, silver mines and oil fields is relatively small, they are also extremely important properties of the Liang family.

This time, my younger brother went to Huangjinzhou to expand his Liang family's industry in Huangjinzhou, to buy more gold mines, silver mines, oil fields and so on.

These are industries with very stable income and no need for investment after they are put into production. They are cash flow and important assets.

Who knew that this trip to the Golden Continent meant that heaven and man were separated forever and died on the Golden Continent.

If his father knew about this, he might not be able to accept the fact that the white-haired man would send the black-haired man.

"Master, Master~"

The butler who had just gone out a few times came back in a hurry.

"what happened again?"

Liang Cixi asked with a straight face.

"The family's textile factory just received news. For some reason, everyone is unwilling to sell cotton to our textile factory. In addition, none of the business firms that originally promised to buy our cloth have stopped cooperating with us. The cloth cannot be sold."

"There is also a call from Yulin Oilfield, saying that Daming Petroleum Company will not accept the oil produced by our oil well from now on, and the oil produced in our oil well can no longer be sold."

"There is also news from Tianjin that Daming First Bank has canceled the loan of 100 million taels that was originally promised to our cement factory."

"In addition, there is also news from our family, Liang's Real Estate, that Daming First Bank has also canceled the 200 million silver loan that it had promised us."

The housekeeper told the bad news one by one.

"what?"

"Will the textile mills have money to buy cotton?"

"Can't this cloth be sold?"

"The Daming Petroleum Company won't accept our oil, and the bank won't give us a loan?"

Liang Cizhen was completely shocked when he heard it, and then he squatted on the chair all at once.

It's over now.

If this textile factory has no raw materials, there is no way to start production at all. The key is that no one wants the cloth it produces, and it must be closed down.

The textile industry has developed to the present, although it has entered the silver period from the golden period, it is still one of the most popular industries in Daming, because the market demand for cloth is very strong, and Daming's cloth sells well all over the world.

"Why doesn't the Daming Petroleum Company accept our oil?"

"And why doesn't the First Bank of Ming Dynasty give us a loan?"

Then Liang Cixi couldn't help roaring.

Let the textile mills encounter difficulties.

Even in terms of oil trading, the Daming Petroleum Company does not accept oil from its own oil fields. You must know that in the field of oil, the Daming Petroleum Company is an absolute giant and has an absolute monopoly advantage.

Not only has it mastered a large number of high-yield large oil fields, but also the entire industrial chain from oil development, transportation, smelting, and sales of finished products is almost occupied by the First Bank of Ming Dynasty, occupying an absolute position.

Some other oil companies, although they are also involved.

But basically it is the two links of oil extraction and sales of refined oil. The transportation and refining of oil in the middle are still done by Daming Petroleum Company.

Because these investments are huge, the key is to use a lot of technology, and only Daming Petroleum Company has the capital and strength to do these things.

The Daming Petroleum Company does not want its own oil, which means that the oil dug out of its own oil fields is really impossible to sell.

As for the cement factory, the infrastructure construction in Daming is in full swing, very hot, and the demand for cement is very strong. This also makes many cement factories earn a lot of money, and at the same time, they are also expanding their scale and production on a large scale in various parts of Daming. .

The same is true for the cement factory of the Liang family. Not only the money earned in the early stage has been invested in it, but it has also been borrowing from the Daming First Bank.

Daming First Bank's loan interest rate is low, and it is also everyone's favorite place to get loans. People who do business will basically turn to Daming First Bank for loans.

The Liang family also has a real estate business. The investment in the real estate industry is huge. It costs a lot of money to buy a piece of land, and it needs money to build it.

The money is basically maintained by loans from the Daming First Bank, as long as the bank's loans continue to be maintained, and huge profits can be made from it.

However, now, the First Bank of Daming directly draws out the bottom line, does not provide any loans to the Liang family, and urges the Liang family to repay the previous loan as soon as possible.

This time, it is tantamount to directly mobilizing the lifeblood of the Liang family. If there is not enough funds to circulate, all these properties of the Liang family will most likely collapse by then.

And once it reaches that point, it means that the Liang family's wealth for many years will be wiped out.

Compared with the death of his younger brother, this scares Liang Cixi even more. These are all properties that his Liang family has only built up over the years.

(End of this chapter)