General Constitution of Ming Dynasty

Chapter 198
After the Jiming Conference, the Jiming Temple returned to normal.

On the mountain road leading to Jiming Temple near Guozijian, the number of pilgrims pilgrims has increased several times compared to usual.

It's just that Yang Shen, who had a bruised nose and a swollen face, remained calm.

Mai Fu wondered: "Mr. Sheng'an expected this to happen?"

"Yes."

"Then sir still do this?"

"Sooner or later they will understand, and then they will remember what happened today in the history books."

Speaking of this, Yang Shen's face showed a little worry.

"In the former Song Dynasty, from Mr. An Ding to Duke Wen of Hui State, there has been some achievements. Over a hundred years, the sea has changed."

Mai Fu's voice changed, and then he looked at Yang Shen.

"According to what Mr. Sheng'an saw, during this trip to the south of the Yangtze River, are there any juniors who can become talents?"

Mai Fu asked cautiously.

Yang Shen cupped his hands and said with a smile: "But the emperor sent an envoy to ask?"

Mai Fu hesitated for a moment before speaking.

"Sir, just take it as a small talk with our family."

Yang Shen looked at Ning Jue and his party who were going down the mountain, and said after a long time: "Vigorous, immeasurable, just waiting for the right time."

Mai Fu heard the words and nodded.

"Our family has made a note, and our family will send Mr. down the mountain."
-
Just as the cock crowing conference ended.

A hunt for Songjiang cotton is gradually kicking off.

The silver in the hands of the big and small gentry in Songjiang is gradually gathering in the hands of Xiang Yuanbian.

The charm of leverage is that what ten businessmen can do, one businessman can do with ten times leverage.

Once leverage is generated, cost and size are not so important.

As long as the profit is high enough and the risk is small enough.

As bold as a man is, so productive.

Jiangnan, which seems to be calm and calm, has already been undercurrents.

In order to borrow money from the common people more conveniently, Xiang Yuanbian set up several shops in Bafu, Jiangnan.

Xiang Yuanbian, who suddenly controlled such a large sum of money, launched an aggressive offensive against the Xu family's cotton cloth business without the slightest concealment.

"My lord, these are cotton cloths from the Xiang family, you have seen them all."

"Although this is a little rough, it's really too cheap to sell!"

"If we continue like this, we are afraid that we will be dragged to death by Xing Xiang."

Cotton cloth was originally fluctuating around three cents of silver, but after a lot of whipping, the price of silver plummeted, and cotton cloth rose to around four cents and eight cents. The Xu family relied on the weaving field to stabilize their position.

After Xiang Yuanbian made such a move, the price of cotton will also come down.

For the Xu family, if the price of silver falls, it will fall. As long as the property is still there, they will survive by gritting their teeth.

"This is trying to pull my Xu family's tendons!"

Xu Fan looked at the pieces of cotton cloth in front of him, and his chest heaved uncontrollably, while the butler of the Xu family was still talking.

"Young master, the Xiang family has not only been enclosing land in Songjiang these days, but is also robbing weaver households from us. The monthly payment alone is [-] cash more than our family's. If we don't do anything, our weavers will I am afraid that all the workers will be transferred to the Xiang family."

The only way is to overturn the table directly.

"Is his surname Xiang picking up the golden hen?!"

"It's taking land and digging people. Where did his surname Xiang get so much money?"

For Xiang Yuanbian, Xu Fan has known for a long time. The Xiang family has a little money, but it is far from this point!
At this moment, one of the shopkeepers of the Xu family opened his mouth.

"Master, it's not an old hen that lays golden eggs."

The shopkeeper hesitated for a long time before he said, "The Xiang family asked the people to borrow it."

Xu Fan was taken aback.

"Ask the people to borrow it?"

"When I was having a drink with several shopkeepers in Songjiang, they drank too much and said that they slipped up. They only said that they were the first batch. The Xiang family borrowed 10 taels of silver in Songjiang, and then raised nearly 30 taels one after another. [-] taels."

When Xu Fan heard this, his jaw almost hit the ground.

Before the new law, there were only seventeen households in the entire Daming family with assets exceeding 50 taels of silver.

Relying on asking the people to borrow money like this, Xiang Yuanbian forcibly raised the Xiang family into a behemoth. From this point of view, the current family background of the Xiang family is much stronger than that of the Xu family.

"With so much money, even if it's nine times out and thirteen times out, can Xiang Molin pay it back?"

Then the shopkeeper said: "The money borrowed by the Xiang family doesn't have such a high interest rate, and the annual interest is only three or four taels per hundred taels of silver. If it is only borrowed for half a year, there is not even an interest rate of two taels of silver."

Xu Fan's complexion became more and more ugly.

For the Xu family, this is not the interest that Xiang Yuanbian gave to the people, it is the people of Songjiang joining forces to set up the Xu family, and that interest is the dividends that the people earned after they brought down the Xu family.

"My father is not dead yet!"

Xu Fan's roar echoed in Xu's old house.

The shopkeeper spoke again.

"Young master, this...you can't blame the common people. As money gets cheaper every day, the common people also have common people's difficulties."

Only then did Xu Fan come back to his senses.

Looking at the expressions of the shopkeepers and housekeepers, Xu Fandang understood what they meant.

"You mean my Xu family will also borrow it?"

This Xiang Yuanbian is too fierce.

If the Xu family didn't want to make up for the gap with the Xiang family, they would definitely end up being wiped out by the Xiang family.

"There is no other way."

Xu Fan took a deep breath, and his eyes became more and more sharp.

"What did the Xiang family do with this money?"

Hearing Xu Fan's words, the shopkeepers of the Xu family took out all the accounts that had been prepared.

"The Xiang family first smashed out a water-powered spinning wheel, which was modified from the hemp spinning wheel in the Song Dynasty. His Xiang family built it, and we should also build it. The younger ones estimate that the cost will not exceed 500 taels."

"After having this spinning wheel, there is this flying shuttle. The Xiang family bought it from a cloth merchant in Xishan for 1000 taels of silver."

"Let's send someone over to investigate this thing, or study it ourselves, at most it's 1000 taels of silver, and the rest will be easy to deal with."

"The younger ones estimate that these two things have reduced the cost of the Xiang family's cotton cloth by at least [-]%."

Xu Fan gasped again when he heard this.

He originally thought that Xiang Yuanbian had already attacked the Xu family, but according to this calculation, Xiang Yuanbian is still showing mercy now!
"Okay, okay! It's good to have an idea."

"Hold my post!" Xu Fan started pacing again in the Xu family's ancestral house.

"No, just use my dad's post to borrow! Not only Songjiang, Jinling, Xishan, the eight prefectures in the south of the Yangtze River, and even the two Zhejiang and eight Fujian! You can borrow as much as you can, according to the interest of the Xiang family, and you can borrow as much as you can. I don't believe that my father's old face can't compare to this fledgling businessman whose surname is Xiang!"

"Here!"

Xu Fan, who solved the financial problem, immediately became silent.

"Songjiang doesn't have so many cotton fields, so go to the account to pay money first."

"After the autumn harvest this year, all the Xu family's land will be replanted with cotton. I will come to the imperial court."

All the shopkeepers of the Xu family were frightened by the appearance of the young master of their own family.

"My lord, let's not..."

It was as if they borrowed some money and spent it with the Xiang family.

Who would have thought that Xu Fan would directly fill up the big horse with the golden knife.

This is not to fight against the Xiang family, this is to fight desperately with the cloth merchants all over the world!
"Songjiang can't use so much. There is still the whole Nanji. Nanji is not enough, and there are two capitals and 13 provinces. Besides, even the two capitals and 13 provinces are not enough. Isn't there still Captain Wang?"

"They say how much cloth is produced in the southeast, and his Captain Wang can accept all the orders. Today, my Xu family, on behalf of the people in the world, will explore the bottom of this Captain Wang!"

Seeing that Xu Fan had already made a decision, these shopkeepers couldn't say anything more, so they had to follow the rules.

For the industry, once leverage is created, it will definitely stir up turmoil in the entire industry.

Borrower makes first.

The borrower controls others.

The sheets of paper printed by Xu Fan, who took his father's private seal and tried his best to cover the IOUs, were not the IOUs of Xu's family.

It's the Xu family's deed of sale.

After Xu Fan got the money, what he did or didn't do was up to Xu Fan and his son.

Since then, every decision made by the Xu family must take into account the interest generated by the money day and night, and they can only pursue the profit that has been drawn up.

This is what happened in the Xu family, and the Xu family's choice will eventually affect other cloth merchants.

No small fish will willingly be eaten by a big fish.

If you don't borrow, some people will.

When someone borrows money, the first thing they do is turn around and bankrupt you in order to go ashore!

They also only have one choice.

borrow.

Only when everyone has borrowed can it be equal to that no one has borrowed.

The scourge released by Jiajing himself is attacking the city! ——
item home.

One account book was calculated over and over again by fifteen accountants.

Xiang Yuanbian hasn't slept well for several days and nights since he learned that Xu's family has started borrowing money.

Xiang Yuanbian's eyes were bloodshot, and he lay down on the ledger with the crystal in his hand and read it over and over again.

"Master, the Xu family went to borrow money again."

"So what?!" Xiang Yuanbian shouted involuntarily.

"It is impossible for the Xu family to produce a spinning wheel in such a short period of time. Our cost is low, and the price can be lowered even further!"

Xiang Yuanbian's eyes turned suddenly, and then he looked at his entourage.

"Have you got in touch with Captain Wang? Can he eat our goods?"

The attendant frowned and fell to the ground with a "plop".

"Master, if you can eat it, you can eat it, but Captain Wang said that they are also building ships, and there will not be so many ships to transport in a while, please wait a little longer, master."

"Wait? Why does his surname Wang make me wait?!"

"Several 10 taels of silver, each month's interest is thousands of taels, and half of Songjiang's savings is in my hands. Something really went wrong, do you think you and I can get out of Songjiang alive?!"

Xiang Yuanbian regretted it, but it was too late.

After learning that the Xu family had also started borrowing money, Xiang Yuanbian knew that there was no turning back.

"Tell him Wang Zhi! The world has never heard of a businessman who is not making money!"

After finishing speaking, Xiang Yuanbian grabbed the collar of the entourage.

"The cost of our cotton cloth is low, and there is still room for price reduction. Tell the cloth merchants below to lower the price for me."

"Master, then, wouldn't that mean breaking face with the Xu family?"

"When is it? Are you still thinking about Xu Zisheng's old face?! How much is his old face worth?"

"But we don't have so many cotton fields, let alone... not so many weavers!"

"Then buy it! Hire it! The tenant farmers don't want to come out to work, so they have to find a way, understand?" Xiang Yuanbian's expression became more ferocious, and his tone became more sinister.

"The little one understands! The little one understands!"

"My lord, I just need to pay back the money and turn over water, remember?"

"Yes Yes."

The retinue who was let go by Xiang Yuanbian escaped from Xiang's house scrambling.

That night, the Xiang family dismissed all the tenants from a farm in Songjiang, and took back the houses lent to the tenants.

It wasn't someone's wife's crying that echoed in the village.

It was the roar of the beast swearing its sovereignty.

(End of this chapter)