Ming Dynasty man

Chapter 466 The Temptation of Profit

After hearing the words, everyone knew Li Jing's purpose for seeing them.

After thinking for a while, Gu Bingyou said: "Master Hui Guo, this matter is a long story, don't think that the villain is long-winded."

Li Jing waved his hand and said, "It doesn't matter, just speak slowly, the more careful the better."

Gu Bing nodded: "This matter started three months ago. Three months ago, the villain and his colleagues transported a batch of tea and silk from Huzhou to Datong for sale, and found that the merchants and people in Datong actually traded with banknotes.

The villain was curious, so he asked people, only to find out that the imperial court opened a Daming Bank, which issued banknotes to replace silver and copper coins for transactions.

However, banknotes have not been promoted nationwide for the time being, and are only tried out in Pingyangfu, Datong, Xuanfu, Guihua and Beijing in Shanxi.Foreign merchants did not have banknotes, so they had to go to the bank to exchange silver into banknotes before trading.

The villain didn't know the reputation of the bank, so he didn't dare to sell the goods into banknotes, so he exchanged some banknotes with silver, and then exchanged the banknotes for silver.Seeing that the bank was willing to convert the banknotes into silver, the villain was relieved to sell the goods.

The villains transported a lot of goods that time, and after selling them, they got a total of more than 7 taels of silver.The little people were doing business in the south, so they couldn't bring paper money back home, so when they returned home, they went to the bank to exchange silver, not wanting that the bank would not be able to take out [-] taels of silver, so the little people waited in Datong for a few days, waiting The bank transfers silver from elsewhere for exchange. "

Li Jing nodded silently when he heard this. This is the first problem of the bank branches in various places, that is, there are not many silver deposits. Once there is a large transaction, the silver is not enough to pay, so he can only transfer the bank from other branches for emergency.

Seeing that Gu Bingyou kept silent, Li Jing waved his hands and said, "Go ahead."

Gu Bingyou hurriedly said: "The villains stayed in Datong for a few days and wandered around. During the period, they went to Xuanfu and then to Guihua to inquire about the market. In these two places, the villains I also saw bank semicolons, and the villain didn't think much about it at the time, just to see if these banks can exchange banknotes into silver. Like Datong, although these two semicolons can also be exchanged, they also take money. Not so much money.

The villain was talkative at the time, so he asked the bank where the money was transferred from, and the clerk told the villain that it was transferred from the main office in Beijing.The villain calculated that it would take at least three to five days to transport tens of thousands of taels of silver from the capital to Datong, and it would take even more time to transport it to Guihua. "

Li Jing nodded. This is the bank's second problem: that is, it takes too long to transfer the silver.

Three to five days seems to be a short time, but once something happens, let alone three to five days, even three to five hours can't afford to wait.

Seeing Li Jing gesturing for him to continue, Gu Bingyou continued: "Knowing that it takes such a long time to transfer the silver, the villain suddenly had a question in his mind. If the bank can't exchange the silver, the common people will what idea.

So the villain asked the local people. To the surprise of the villain, the local people were not worried that the bank would not be able to exchange silver, because even if the bank did not have silver exchange, the local Jingji Bank would also exchange it. Don't worry about not being able to spend the banknotes, because all local Shenji shops accept banknote transactions.

The local people told the villain that the banknotes would lose their value unless the Bank, Jingji Bank and Shenji Company collapsed, otherwise there is no need to worry.

The villain knows that Jingji Bank is the property of Xing Guogong, and its business spreads all over the Ming Dynasty. Its assets are not 1000 million but 800 million. It is impossible for it to go bankrupt.

As for Shen Ji Company, it is the property of Shen Ge's hometown. Shen Ge is always the father-in-law of the Duke, and with the support of the Duke, naturally it will not go bankrupt.

However, the villain has been in business for many years, but he knows that things are not as simple as they appear on the surface, because banknotes are banknotes after all, and with the treasures of the Ming Dynasty in front of them, it is impossible for the common people to believe in them wholeheartedly.What will happen once the bank, King Kee Bank and Shen Kee Company are unable to trade banknotes?
When the villain asked the common people this question, the common people didn't know what to do. In the end, the common people said that in that case, they could only exchange the banknotes for silver or copper coins.

At that time, the villain still laughed and said that at this time, the exchange of banknotes for silver may not be exchanged according to the original ratio.

The common people said that when the day came, even if they lost money, they would have to exchange paper money for silver.

Hearing what the man said, the villain thought, if he exchanged all the silver from the local bank and Jingji bank, and then bought all the goods from Shenji firm, wouldn't that mean that the common people would be cut off from the banknote trading channel? ?

The villain has calculated that it will take at least three days to transfer the money from other places, and it will take some time for Shen Ji to import so many goods, at least not less than three days.

According to the villain's understanding, if ordinary people cannot buy goods with banknotes, they will definitely go to the bank to exchange banknotes for silver taels. If banks and banks cannot exchange silver for ordinary people, ordinary people will definitely panic. "

At this time, Li Jing suddenly interjected: "You know that the common people are panicked, afraid that the banknotes will lose their value, and would rather lose money than exchange them for silver at a high price, so you started planning this action, right?"

Gu Bingyou hurriedly shook his head and said: "After the villain discovered this loophole, although he had this idea in his heart, he didn't have the strength to do such a big thing.

Because it is necessary to exchange all the silver in Datong, Guihua, and Xuanfu's banks and Jingji Bank, and then buy out the goods of Shenji Company, at least 100 million taels of silver.

And if you want to exchange the silver from these places, you must first go to the head office of the Bank of Beijing to exchange banknotes. How can the villain have so much silver?
In addition, to do this requires many people to act together, and it cannot be done by a villain alone. "

Li Jingjing nodded: "Then why did you start to operate this matter again?"

Gu Bingyou smiled awkwardly: "The villains made a lot of money by selling goods this time. After returning home, they were going to ship another batch of goods. At this time, some merchants in Huzhou saw that the villain had made money, so they ordered Looking for a villain, I hope to come with me.

The villain is very clear about the family background of these merchants. If we put together our family background, it is no problem to take out 100 million taels of silver.At this time, the villain suddenly had an idea. If we all do this together, the capital required will be enough, and at the same time, there will be enough manpower to act separately.

So the villain told everyone what he thought in his heart. At that time, everyone didn't believe what the villain said, so the villain had to take them to a business trip. After they saw it with their own eyes, they listened to the villain's analysis. , there is some movement.

Seeing that everyone was tempted, the villain began to plan this matter.

First of all, we have to prepare the goods, because in the end we still have to make money by selling goods.

Secondly, we need to prepare a large amount of silver to be exchanged for banknotes. We have a total of more than 20 merchants, each paying 6 to 100 taels of silver, and we have collected more than [-] million taels.

After we had the capital, we started to act. We first went to the capital city and spent several days exchanging the silver taels into banknotes, and then we all went to Datong, Xuanfu and Guihua.

Then we sent people to Shenji Company to purchase goods in large quantities. It was estimated that the goods in Shenji Company's inventory were almost purchased, so we made an appointment to exchange most of the silver from these banks and money houses with banknotes at the same time.

Then the little people began to spread the word, saying that the country used its troops abroad, the treasury was out of money, the bank's reserves were also spent, and the banknotes would be as worthless as the old Daming banknotes.

In fact, the villains did not have much confidence when they did this, because the local people and some merchants were quite convinced by the banknotes.

But at that time, the Duke of the State happened to search Fu Wang, which gave the villains an excellent excuse.

The villains let out the news that because the treasury had no money, they began to seize the vassals to subsidize the treasury, but Daming Bank issued so many banknotes, it must not be enough to subsidize the bank by raiding the vassals.

Under the publicity of the villains, the common people were panicked and asked the bank to inquire one after another. At this time, the villains sent people to the bank to continue exchanging money. Since there was not much silver in the bank, they quickly exchanged all the silver in the bank.

There was a villain as a demonstration, and ordinary people and some merchants also went to the bank to exchange silver. Needless to say, they definitely couldn’t exchange silver.

At this time, the people from Shenji Company stood up and said to reassure everyone that the goods of the company will still be traded with banknotes, so that everyone does not have to worry.

At this time, the villain asked his subordinates to buy up all the stocks of the Shenji firm. The firm had no stock, so naturally he had no confidence to speak. The common people finally began to panic when they saw that the Shenji firm was out of stock. Bank smashed.

At this time, the little people began to spread the wind to exchange silver for banknotes, and then let their own people take the lead in exchanging, and the exchange price was twice as high as that of the bank.

With these people taking the lead, the common people couldn't sit still and began to exchange money one after another.

At the same time, the villain throws out all the goods he bought from Shenji’s company and the goods he brought, and in order to make it more realistic, he sells goods with silver and copper coins at the original price. double. "

Having said that, seeing Li Jing waving his hand, Gu Bingyou immediately shut up.

Li Jing pondered for a while and said: "You have done this matter very carefully, but I don't know if you have thought about it, what if the common people don't fall for you?"

Gu Bingyou looked at Li Jing, saw that Li Jing was not angry, and immediately said cautiously: "The reason why the villain dared to do this is because even if he didn't succeed, at most his work would be wasted, anyway, it's nothing to exchange banknotes for silver." Expenses. As for the purchased goods, you can sell them with a little time, even if you lose a little money. But if you succeed, it will be huge profits. Compared with the income, this risk is nothing at all."

Li Jing nodded silently upon hearing this.Marx once said: "If capital has a 50.00% profit, it will take risks; if it has a [-]% profit, it will dare to trample on all laws; if it has a [-]% profit, it will dare to commit any crime, and even risk being hanged." danger of death."

(End of this chapter)