Great Military Division

Chapter 473 The Yizhou gentry are crazy, and the financial leverage has exploded!

Zhongxing Bank.

Second floor, conference room.

Liu Baduan sat in the head seat, with a slight sullen look on his brows, but in fact, he was overjoyed in his heart, after all, everything was going according to his predetermined rhythm.

Even, the IQ of the Yizhou gentry was much higher than Liu Ba imagined, and this was the only way to keep up with his predetermined rhythm in such a short period of time.

With a slightly stern gaze, he swept across the Yizhou gentry, and he had conveyed his anger to everyone accurately, and then he said slowly:

"I heard from Xiao Chen, are you all planning to apply for a mortgage loan?"

"Yes."

Next, Wu Yun nodded affirmatively, and said loudly, "Isn't that what Zhongxing Bank does? Now we need a lot of cash, so we come here to handle mortgage loans."

"and many more!"

As far as this is concerned, Liu Ba interrupted with a wave of his hand, frowning enough to kill a cow: "You just said that you need a lot of cash? Not my golden notes from Zhongxing Bank?"

The gold ticket is just a certificate. At least the money is still in the bank, and it has not been moved. But if it is cash, the money will go out of the bank.

For Zhongxing Bank, this is tantamount to a policy of drawing salary from the bottom of the pot. Once it loses a lot of cash, it is very likely to have a certain impact. In the event of a run, there will be endless troubles.

"Yes."

"exactly."

Wu Yun marveled at Liu Ba's sensitivity.

I just mentioned it a little, and this guy captured the key words, which is enough to prove that the position of the business secretary is definitely valuable, and it is not so easy to fool.

but
They are conspiracy, why don't you give him a loan?
impossible!
After all, what Zhongxing Bank does is to mobilize funds and earn interest spreads.

If Liu Ba does not do this business, it is very likely that the other party will use it to guide the people who save money to withdraw a large amount of money, resulting in a run on the bank.

Of course, Liu Ba is not afraid of this kind of thing. What he is afraid of is that the Yizhou gentry will not come to borrow money and increase their leverage, so that there is no way to catch them all.

"how?"

Wu Yun asked tentatively: "Liu Sicheng, are you planning to lend us a loan?"

Liu Ba shook his head: "The Zhongxing Bank is in the loan business, so it is naturally willing to do business with you, but I don't know what you want to take as collateral?"

Wu Yun said without hesitation: "Cultivate the land."

Liu Ba smiled and said, "Cultivating land is fine, but the loan is [-]% off."

"what?"

Wu Yun was stunned for a moment, staring like a bell: "[-]% off? Are you kidding me? Shouldn't it be [-]% off?"

The Zhang family also followed suit: "That's right, it was all [-]% off before, how did it become [-]% off here?"

Someone else said angrily: "Liu Sicheng, you did this on purpose."

Facing the anger of the gentry in Yizhou, Liu Ba did not panic at all, and said calmly: "If a year ago, the cultivated land was mortgaged at a [-]% discount, there would be no problem, but now that the price of grain has plummeted, the price of cultivated land will naturally fall accordingly."

"I, Zhongxing Bank, have to consider the quality of the assets. If it is in Nanyang, the cultivated land can only be loaned at a [-]% discount. It is the utmost benevolence to give you a [-]% discount."

"If you don't want to"

Liu Ba's stern gaze swept across the crowd, his voice was a little drawn out, and he said coldly: "Then go back, I'm busy too, so I won't accompany you."

"Master Chu."

"exist."

"Send off the guests."

"Here."

"Wait a minute!"

Before Liu Ba got up to leave, he was interrupted by Wu Yun: "Okay! [-]% off, [-]% off, as long as you can give us cash instead of gold tickets, we will accept [-]% off."

"Yes, we agree."

"Food prices have indeed come down, we agree."

"OK, no problem."

"."

Liu Ba was astonished. It seemed that these guys were very determined. Aren't they afraid that the golden silk monkey they bought would not be sold?Or is there some news already?
But
I just got the news, will they be faster than me?
At this moment, Liu Ba didn't care about thinking too much, continued to sit down, took a long breath, pretended to be embarrassed, and said in a cold voice: "Okay, since you agree to [-]% off the mortgage, let's discuss the interest."

"If ordinary people come to mortgage loans, in our bank, it is basically [-]% interest, but for you, our bank requires [-]% interest."

After all, the bank has just been established, and the current business is relatively blank. As long as you do something, you can make a lot of money, and the interest is very high, which is also in a normal state.

After all, the deposit interest of Zhongxing Bank is still 5.00% per year, even if the interest rate difference is earned, it is only [-]% interest in the middle.

The most important thing is that there is no Yangma system at present, and the bank can completely decide the use of funds independently, and there is no need to keep a deposit, so the profits are relatively rich.

but
The interest rate of [-] cents is indeed a bit ridiculous.

If you borrow [-] yuan, you have to repay [-] yuan. Even in this era, it is ridiculously high, even surpassing the private usury business. It can be described as a lion's mouth.

really.

At this moment, the entire hall became noisy, and the Yizhou gentry stared at Liu Ba in disbelief with wide-eyed eyes, and immediately chattered, wishing to greet Liu Ba's eighteenth generation ancestors:
"Twenty cents interest? You are obviously robbing, the interest rate is too high."

"That's right, the interest rate is ridiculously high. You are taking advantage of the fire."

"Liu Sicheng, you are illegally lending money!"

"You broke the rules!"

"I protest!"

"."

Violation?

protest?

Liu Ba could only hehe.

I am the maker of the rules of the game, so it's my turn to ask you to protest?

Without the slightest hesitation, Liu Ba showed a slight smile on his face, and said coldly: "This bank has such a rule, those who want to apply for a mortgage stay, and those who don't want to leave."

"Master Chu!"

"exist."

"see a visitor out!"

"Here!"

"Wait a minute!"

The same scene appeared again.

Wu Yun interrupted with a wave of his hand, staring at Liu Ba with bright eyes, and smiled: "Liu Sicheng, do you think this can scare us?"

"impossible!"

Wu Yun's voice was sonorous and forceful, and resounding: "Just take [-]% off the mortgage and [-]% of the interest. I will deal with [-] mu first, all in cash. The carriage should be here soon. You guys are ready to count."

The Zhang family beside him were about to persuade them, but they were interrupted by Wu Yun's direct wave of his hand, and he said coldly, "Twenty cents a year's interest is nothing compared to his golden monkey business."

"Liu Sicheng, you want to scare us with this little thing?"

"Humph!"

With a soft snort, Wu Yun said coldly, "Sorry, you found the wrong person."

Liu Ba pretended to be furious, and glanced at the crowd: "Aren't you really afraid that you won't be able to sell it?"

Wu Yun smiled lightly: "There is no need for Liu Sicheng to worry about this, we naturally have a solution."

"it is good!"

Liu Ba bit his head and said: "You can apply for a mortgage loan, but I want to see how you can eat so many golden monkeys. Remember, you can't make money that shouldn't be made, but God can see it. "

The corners of Wu Yun's lips raised slightly, and a faint smile appeared: "Liu Sicheng, should this sentence be given to you? Don't think that I don't know what your purpose is for coming here, and want to anger us? no way!"

"you you"

Liu Ba was very annoyed.

But in fact, I am very happy in my heart. Once the financial leverage is added up, it is not so easy to unload. This is a double-edged sword that can kill people and hurt themselves.

Wu Yun smiled lightly: "Okay, let's get started."

Liu Ba breathed out: "Master Chu."

Chu Nan: "Here."

On that day, all the gentry in Yizhou began to frantically handle mortgage loans. Liu Ba was not afraid of those who came. The more cultivated land mortgaged into the bank, the happier he would be.

office.

In front of Liu Ba was a stack of title deeds and the completed procedures, piled up as high as a hill: "There are so many, are these guys crazy?"

Chu Nan took a deep breath, then exhaled slowly, and said helplessly, "According to the calculation, a total of more than 86 mu of land has been mortgaged, and there are more than [-] shops."

"impossible!"

Liu Ba was stunned for a moment, and shook his head: "We don't have that much savings, and we can't mortgage so much farmland at all, not to mention there are shops in it."

"Ugh!"

Chu Nan sighed, and said softly: "Wu Yun, this guy keeps sending someone to deposit it before he loaned it out, and then continues to loan out, and then send someone to deposit it again, and repeat this several times, the same fund has several mortgage loans. "

"Nowadays, Wu Yun and other aristocratic families not only have a lot of funds, but also a lot of gold notes, and the existing funds of our Zhongxing Bank have exceeded the red line, and we cannot continue to borrow money."

There are rules within ZTE Bank, and there must be a certain amount of security deposit to avoid a run on the bank. Therefore, after the loan limit has been reached, no more loans are allowed.

"what?"

Liu Bateng stood up with disbelief on his face: "How could it be possible to exceed the red line? Didn't I tell you to be careful?"

Chu Nan frowned, with an embarrassing look on his face: "Liu Sicheng, the calculation of this kind of red line is more complicated. We calculate it after each inventory. There was no problem in the first two days, but after today's calculation, it has already exceeded the red line. .”

"Damn!"

Liu Ba naturally knew that the calculation of the red line was very complicated.

Not to mention Chu Nan, even if it is him, it will take a certain amount of time.

but
Regarding the matter of the red line, even the staff inside the bank, not many people know about it, let alone a layman like Wu Yun. It may be really not very high if this kind of strategy was thought up by them.

Liu Ba glanced at Chu Nan, and he knew it already.

This Chu Nan has been operating in Yizhou for many years, and it is unavoidable that he has to deal with the Yizhou gentry and become their undercover agent, which is reasonable and unavoidable.

Liu Ba now admires His Majesty the Emperor more and more. Although he is far away in Nanyang, thousands of miles away, the formulation of his plan can be said to be watertight, and even internal traitors are considered.

Letting Chu Nan take charge of this matter has indeed accelerated the process of increasing financial leverage. Although the bank was overwhelmed by repeated loans, the Yizhou family was not so easy.

"okay."

Liu Ba waved his hand and said softly: "I see, you quickly send a letter to Feige, the Zhongxing Bank in other counties, and ask them to immediately mobilize part of the cash. There must be no mistakes."

Chu Nan bowed and cupped his hands, "Here."

*****
Hongbin Building.

top layer.

Wu Yun raised his wine glass, invited everyone, and said in a loud voice: "Come, come, everyone hold up the wine cup to celebrate today's big victory. It's the same sentence, as long as we are united, no one is our opponent."

"Haha, yes, that's true."

"After operating in this way, ZTE Bank will not dare to make mistakes."

"I heard that they have sent pigeons to send letters and mobilize funds."

"Thinking about it? It's not that easy!"

"This time we must make a big profit."

"."

Wu Yun said loudly: "Come on, brothers, do it!"

Everyone raised their wine together: "Do it!"

immediately.

Lifting his neck, the wine was dry.

Wu Yun put down the wine bar, faced everyone, and said loudly: "If Zhongxing Bank dares to compete with us again, we will send people to Zhongxing Bank to withdraw money, a large amount of money."

"I want to see how much deposit it can have. If there is not enough deposit, it will definitely cause a run. To put it bluntly, we have already abolished ZTE Bank. At least in a short period of time, it will not be able to recover."

Speaking of this, Wu Yun's face showed a hint of gloom: "In a year, as long as we control the golden monkey and earn tens of thousands of gold, there will definitely be no problem."

"Old Wu."

The man on the side asked tentatively: "We can buy golden monkeys a lot, but who can eat them? If these golden monkeys are dropped in the hands, it will hurt the root."

"rest assured."

Wu Yun said confidently: "According to reliable news, the imperial court is planning to rebuild Luoyang City, and in the plan, there are twenty or thirty gardens, and one garden is calculated by two hundred golden monkeys. How many?"

"At least four or five thousand!"

Wu Yun's words seemed very excited, as if the sky was full of horseshoe gold: "The current golden monkey has risen to fifteen gold, and it will break sixteen gold, or even twenty gold in a short time."

"Our current purchase price is one gold, and one golden monkey can earn fourteen gold, or fifteen gold, or even more. Four to five thousand golden monkeys are enough for us to eat big."

Immediately, the merchants in the hall were full of enthusiasm:

"The imperial court actually wants to rebuild Luoyang City? This is a once-in-a-century business opportunity."

"That's right, our golden silk monkeys in Yizhou can make a lot of money this time."

"I suggest that we keep more golden-haired monkeys."

"Yes, I also suggest saving a little more."

"This way you can earn more money."

"."

Wu Yun waved his hand to signal the crowd to be quiet, and said loudly: "Everyone, there is only one chance to get rich. We must unite to win the greatest victory at the least cost."

Everyone bowed their hands in unison: "We will follow orders carefully."

Wu Yun was overjoyed and became more confident.

They have all the supply of golden monkeys, and they can maximize their profits: "Very good! Since that's the case, from now on, let's act in unison, raise the price and ship the goods at the same time."

******
Jingzhou.

Governor's House.

In the inner courtyard, in the octagonal pavilion.

With his hands behind his back, Liu Biao looked at the beautiful scenery of flowers, birds, fish and insects in the garden, but he didn't care to appreciate it. He just frowned in melancholy and sighed from time to time, lamenting the impermanence of the world.

"Father."

At this moment, son Liu Qi's voice sounded.

Liu Biao let out a breath, and said softly, "Why did you come here when you have time, but what happened?"

Liu Qi stood behind his father, shook his head, his eyes still fell on the scenery in the courtyard: "I heard that the imperial court has sent someone to set off to take over from my father and Liu Yao."

"Oh?"

Liu Biao frowned, and couldn't help being curious: "Have you found out who it is?"

Liu Qi nodded: "Well, Mao Jie, governor of Jingzhou, and Zhang Zhao, governor of Yangzhou, are all important figures in Nanyang Hanting, especially Zhang Zhao, who was promoted successively last year, from county magistrate to county guard."

"As for Maojie."

Liu Qi paused for a moment, then said softly: "Although this person's political performance is not as good as Zhang Zhao's, he is also very good overall. The most important thing is that this person is just and honest, and he can't rub the sand in his eyes. He is a ruthless character."

"His Majesty the Emperor sent Maojie to Jingzhou, clearly to deal with the Jingxiang gentry, and there must be thunderous means. I believe that His Majesty the Emperor will definitely not just unify."

"Yes."

Liu Biao had already anticipated this: "The emperor's behavior before was to provoke us deliberately, trying to prevent us from surrendering, so that the land could be taken back to the public by means of war. This is very thorough and will not cause too many sequelae. "

"But now, His Majesty has clearly realized that this is impossible, so this is the only way to carry out the public ownership of the land to the end."

Liu Qi asked tentatively: "Father, do you think His Majesty will succeed?"

Liu Biao shook his head: "I don't know! Although Your Majesty has thunderous means, he must treat everyone equally. It is impossible to be too different from other states and counties, and the nobles in Jingxiang are definitely not easy to deal with."

"Yes."

Liu Qi nodded approvingly: "Whether it's Kuai Yue, Huang Zu, or even Cai Mao, they still have abilities. As long as they are willing to work hard, they will definitely be able to complete the responsibility statement."

"I heard that Kuaiyue and others have already made preparations. The Jingxiang gentry has even reached an agreement that they will help each other as much as possible to complete the production responsibility letter of the imperial court, so as to keep the cultivated land."

Liu Biao snorted softly: "We are outsiders after all. To deal with this group of Jingxiang gentry, His Majesty the Emperor has to do it himself. I believe that the two prefectures of Jing and Yang will not be better than Yuzhou and Xuzhou. Let's wait and see."

"Report—!"

At this moment, a long-lasting report sounded not far away.

Liu Biao turned his head to look.

But seeing, the attendant hastily stepped forward, bowed his body and cupped his hands and said: "Master, there is a guy outside the mansion who calls himself Mao Jie, who says he is the governor of Jingzhou sent by the imperial court, and he came here with an imperial edict."

"Mao Jie?"

Liu Biao was stunned for a moment: "Are you sure it's Mao Jie?"

The attendant was very sure: "Well, it's Mao Jie."

Liu Biao glanced at Liu Qi, who also shook his head in a daze: "I don't know, what's wrong?"

"Walk."

Liu Biao didn't care too much, and immediately made a move: "Let's go and have a look, you quickly send someone to notify Cai Mao, Kuai Yue, Han Song and others to come to the state shepherd's mansion and prepare to receive the imperial edict."

Liu Qi nodded and nodded: "Okay, I got it."

The gate of the governor's mansion.

Squeak.

The door opens.

Liu Biao walked out in a hurry, and sure enough, he saw a handsome man standing upright with a backpack on his back: "I don't know that Mr. Mao is coming, but I am far away to meet you. I hope you will forgive me."

"How dare you."

Mao Jie hurried up to meet Liu Biao, took the initiative to help Liu Biao, and said softly: "Your Majesty, I am here by the emperor's order. It took me two days to arrive in Jingzhou, but now I have arrived quickly. There are some things that need the help of Master."

Liu Biao frowned: "Oh? I don't know Master, how can I help you?"

Mao Jie let out a breath and looked around: "It's not convenient here, why don't we go in and talk, how about it?"

"Look at me."

Liu Biao knew he was impolite, so he quickly waved his hand and signaled Mao Jie to enter: "Please."

Mao Jie reminded: "Oh, by the way, don't let other officials from Jingzhou come over for now."

Liu Biao nodded: "Yes."

Immediately.

He arranged for his attendants to stop Liu Qi.

Back in the mansion, the two sat down as guests and hosts, and celebrity Liu Biao cooked tea for the guests.

After exchanging pleasantries for a while, Mao Jie directly turned to the topic: "To be honest, I am very courageous as the governor of Jingzhou this time, so I came here to say hello to Master in advance."

Liu Biao bowed his head, "It's okay to be a filial piety."

(PS: Mao Jie, styled Xiaoxian.)
Mao Jie took a deep breath and stared at the other party with piercing eyes: "Master, I hope you can hand over all Jingzhou copybooks to me."

"of course."

Liu Biao nodded affirmatively: "These will be handed over naturally, this is official business."

Mao Jie shook his head: "Master, you should be clear, what I'm talking about is not the copybooks in the mansion, but the copybooks in your hand. I don't need those obvious things."

As an outsider, if they want to truly become the master of Jingzhou, they can't do it by relying on the official position of the imperial court. They need a counter-control process.

And the process information of this countermeasure is the real fatal thing of the great families and powerful families. Only by mastering these, can you really become the master, not a puppet.

Mao Jie believed that it was impossible for Liu Biao to not have this kind of thing, and those things on the surface were all deceitful in all likelihood, and there was not much reference at all. Only the real copy was the killer.

"This"

Liu Biao hesitated slightly.

Such an expression made Mao Jie more clear that Liu Biao must have something of his own: "Master, if you can give me these things, you will have made meritorious service with His Majesty."

"You should also be clear that although you and Liu Yao are also servants, in the eyes of His Majesty, further assessment is needed before they can continue to serve as officials."

How could Liu Biao not be clear about this point? He and Liu Yao were passive submissions, and their treatment was worse than that of Liu Dai.

gift?

The Long Yuan sword is a god horse, at best it is just a plaything.

Only when Jingzhou is truly dedicated to the emperor can it be truly credited.

Liu Biao pondered for a moment, and finally nodded: "Okay, I will hand over all the things I collected to you, which can be regarded as my heart for the court."

Mao Jie was overjoyed, bowed his body and cupped his hands and said, "If you can do this, you will surely be an official in the future."

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(End of this chapter)