"Return. How can you not return it." Liu Xin said solemnly. "Not only to pay back. But also to pay back with interest."
Ma Yun didn't seem to be joking when he saw him. Can't help but say in surprise: "Husband. It looks like. This money is not for you to use. Is the treasury tight?"
The situation of the treasury in the past. Ma Yun is very clear. As the fighting in various places basically subsided. Liu Xin's territory is also getting bigger and bigger. She gradually shifted her focus to the family business and the education of her two sons. Therefore, I don't know much about the current state of the treasury.
Liu Xin saw what Ma Yun said. Can’t help laughing: "My wife. You’re so clever. You guessed it. There are too many places to spend money now. It is necessary to ensure that the people everywhere can survive the winter in safety. The reconstruction of various places cannot be relaxed. The reorganization of the army is also imminent. I want to give everyone a year-end bonus. It's really a bit of a turnaround."
Although Ma Yun didn't care much about the affairs of the government. But the family still runs some businesses. Dahan Bank also masters the economic lifeline of the four states of Jing, Yi, Si and Liang. She naturally knows that the sales of Xiangzhi and white porcelain have not been very smooth recently. For the reason. Ma Yun has also made an analysis. She thinks. These things are not easy to sell. It's not because there is no demand. But the world is too chaotic. People are afraid to spend money on these "luxuries." The income of Xiangzhi and Baici are the two pillars of Liu Xin's economic development. It even exceeds taxes. These two things are not selling well. The impact on the treasury can be imagined.
There is no need for Liu Xin to explain in detail. Ma Yun can also understand Liu Xin's plight. to be frank. Ma Yun and his wife run a business. The annual income far exceeds Liu Xin's salary. But to support the military and political operations of these four states. That's too far. Since Liu Xin wants to borrow money. And willing to pay interest. That must be borrowing from Dahan Bank. How could Ma Yun not understand.
Ma Yun also put away her smile. Sit down and think about it for a while. Zheng said: "It is okay to borrow. But the scale of borrowing cannot be large. And it must be strictly confidential. Otherwise it will cause inflation. It will even cause a run. Then it will be out of control. Let's talk. How much do you want to borrow."
Liu Xin really didn't think about how much money he would need to borrow. Think about it now. Just an army of hundreds of thousands. Each person sends a word of three to five hundred dollars. That would cost two to three billion. If you add government officials and bureaucrats. It is only the issue of the gift. At least one billion dollars is needed. In addition. Many people in Si, Liangzhou, and Jiangnan three counties are impoverished. The counties and counties need to support grain and cotton clothing. Let them spend the winter safely. Two refugee camps should also be established immediately. Store enough supplies. Because the people of Xuzhou may escape at any time.
Not knowing. I was taken aback. Liu Xin gave a rough estimate. He blurted out: "Let's borrow four billion first."
When Liu Xin was there silently calculating. Ma Yun was not idle either. She had already secretly weighed the assets of the Dahan Bank. Then he shook his head resolutely. Said: "No. I can lend you two billion at most. The loan period is two years. A profit. No bargaining."
Dahan Bank mainly operates two businesses. One is to store and exchange gold and silver. The second is to cast Zhongping Tongbao. Zhongping Tongbao was cast on behalf of Liu Xin. The Dahan Bank cannot decide on its own the number of coins to be minted. It just gets a certain "processing fee". The business that really makes money comes from the storage and exchange of gold and silver.
The customer deposits gold and silver in the bank. Not only is there no interest. A certain amount of fineness will also be deducted. In this process. The bank also made a certain profit. But this profit is very limited. Only enough to maintain the normal operation of the bank. But there is one thing. The customer's voucher to store and exchange gold and silver That is, the bank notes are issued by Dahan Bank itself. Make an analogy. When there were a hundred taels of silver in the vault of the Dahan Bank. It can issue one hundred and twenty taels of silver notes. As long as the one hundred and twenty taels of silver bills are not used at the same time for exchange. There will be no problems. In other words. As long as Dahan Bank has enough credibility. It can issue a large number of silver notes without restrictions. Of course. This is also very risky. As long as there is a run. Dahan Bank will immediately go bankrupt.
After just two years of steady development. The credibility of Dahan Bank is quite good. and. Officials’ salaries and soldiers’ monthly salaries are now distributed through the Dahan Bank. All they got except the copper coins. There are also a lot of silver tickets. The silver ticket is very convenient to carry and use. Don't worry about fineness. And it can be exchanged at any time. Silver may be adulterated. But no one can forge a bank note yet. therefore. Silver bills have gradually been accepted by everyone. And the richer the people, the more they like to use silver tickets. Faintly has already assumed part of the currency function.
so. With this foundation. Don't say let Ma Yun put out four billion. Even if you spend 40 billion. She can do it too. But Dahan Bank is still a novelty after all. Need to care for it to grow slowly. Ma Yun would take this risk if he didn't go.
At the beginning of the establishment of Dahan Bank. It can be said to be half public and half private. Liu Xin has indeed done several major things by increasing the issuance of bank notes. At most. The bank notes issued by Dahan Bank have exceeded 40% of the stock of gold and silver. Although the money was later made up one after another. But it still sounded the alarm for Ma Yun. This prompted Ma Yun to make up his mind to take back the control of Dahan Bank. Let the Dahan Bank become the private property of the Liu family. And no longer let Liu Xin interfere in the affairs of the bank. This will not only prevent risks. And whether Liu Xin succeeded or failed. It can be guaranteed that the Liu family can continue to control a powerful force and a huge wealth.
The economic development momentum of Jing and Yizhou is swift and violent. Taxes are also increasing year by year. However, it is still unable to meet the faster-growing expenditures. And Liu Xin firmly did not agree to increase the burden on the people. past. The hot sales of Xiang paper and white porcelain and the inexhaustible wealth of Dahan Bank. It is Liu Xin's two "cash machines". now. The control of Dahan Bank was taken away by Ma Yun. The sales of Xiang paper and white porcelain are not smooth. Liu Xin naturally felt a little struggling.
It is not for Liu Xin to decide whether the sales of Xiangzhi and white porcelain are smooth. Unless he drastically reduces the prices of these two things. Let them no longer become luxury items. Make it more affordable for ordinary people. Although the price cut is a matter of time. But once the price drops. It's not so easy to rise again. Liu Xin knows. As long as the world is peaceful. Some people spend big money. Therefore, Liu Xin has not planned to cut prices. Just this way. It's a little bit far away to quench the near thirst.
but. Although Liu Xin no longer intervenes in the affairs of Dahan Bank. But he is familiar with the operation mode of Dahan Bank. So for borrowing money from Dahan Bank. He is full of confidence. Unexpectedly, Ma Yun only promised to lend him two billion dollars. Liu Xin was taken aback. I had to continue pleading: "My wife. This money is really not enough. Give at least 3 billion."
Ma Yun thought for a while. Said: "Add another 400 million at most. Otherwise, no talk."
Calculated as one tael of silver equivalent to one thousand dollars. Two hundred and four billion is equivalent to two hundred and four hundred thousand taels of silver. It's a huge sum of money. If not for the development momentum of Dahan Bank in recent years. Ma Yun really didn't dare to come up with so much money at once. The gold, silver and copper coins in the Dahan Bank's current inventory are approximately 20 million taels of silver. But strictly speaking. The money does not belong to the Dahan Bank. It's just that someone else temporarily kept it here. Only five to six hundred thousand taels belonged to the Dahan Bank. When the Dahan Bank was established. Liu Xin and Ma Yun invested far more than this amount. It's not that Dahan Bank has not made much money or even made a loss in recent years. It's just that Dahan Bank has expanded too much. Branch offices have been opened in various counties. The purchase of real estate and the construction of treasuries in various places is a very expensive expenditure.
2.4 billion is for Liu Xin. It feels like it's still not enough. So the couple had another bargain. In the end, the loan amount was fixed at 2.6 billion yuan.
"Husband. If you don't have enough money, you need to pay attention to increasing income and reducing expenditure, and do what you can. Now the source has not been opened up. However, the expenditure has been greatly increased. It is not a good sign." Although the inventory of Dahan Bank's 20 million taels of silver. Issuing an extra 2.6 million taels of bank notes is not difficult. The reason for being so pretentious. It's because Ma Yun didn't plan to let Liu Xin really pay back the money in the future. but. Ma Yun still reminded Liu Xin. Then continue to speak. "I can lend you money. But there is a condition."
With this money. Liu Xin relaxed a lot. To know. In Liu Hong's time. The imperial court's annual income is only about 6 billion yuan. This is almost half of the national fiscal revenue. Conditions for Ma Yun. He naturally answered. Continuously said: "No problem. You say it. You say it."
Ma Yun frowned slightly. Said: "I want you to let Wang Yun go."
Liu Xin was taken aback. He smiled and said: "Diao Chan is Wang Yun's righteous daughter. It is logical for her to beg for Wang Yun. How come you remember to speak for him."
Ma Yun said irritably, "I'm serious with you. Your current identity is the Han family clan. No matter how Wang Yun does it, it is to maintain the Han orthodoxy. So you can't kill him."
A smirk appeared at the corner of Liu Xin's mouth. Said: "I didn't intend to kill him. But now I am a little embarrassed."
Ma Yun said in surprise: "Why?"
Liu Xin shook his head and said, "Don't you hear what Diao Chan said just now. As long as I let Wang Yun go. I can let her do anything. So, I'm a little embarrassed. If you let Wang Yun go. Others. I would think I coveted her beauty. It's a big problem with my reputation."
Ma Yun angrily said: "Okay. So I was worrying about it in vain. You were ready to promise Diaochan a long time ago. Didn't you. He said that you never get in touch with flowers and grass outside. Humph. Who believes your nonsense?"
Liu Xin laughed loudly and said: "Okay. Wife. To tease you. Wang Yun is more useful to be alive than dead. How am I willing to kill him. Not only don't kill him, but also to raise him. Let the world see. I, Liu Xin, have such a broad mind. How do I repay grievances with virtue."