***
In the flower hall, no one was in the mood to eat anymore. Qin Mu said to Xu Yingjie in a serious tone, "I plan to allocate four million taels of silver to you, of which three million will be used to establish a bank. The difference between our bank and the previous money houses is that we will carry out cross-regional remittance business;
At present, nine branches have been opened in Changsha, Yuezhou, Hengyang, Ganzhou, Nanchang, Nanjing, Hangzhou, Suzhou and Yangzhou. As long as customers deposit silver in one place, they can take the bank's bills to other branches to exchange for the corresponding silver. Of course, this will charge a corresponding handling fee;
On the other hand, when we accept deposits, if the customer deposits in a current account, the corresponding fees will be waived. If the deposit is a fixed-term deposit, a certain amount of interest can be obtained. We also accept pawning of valuables and carry out loan business. For now, we will temporarily carry out these businesses. "
Qin Mu's words made Xu Yingjie secretly take a deep breath. Inter-regional remittance is easy to understand, but because of the difficulty in transporting gold and silver, even if someone came up with such an idea, they were reluctant to implement it due to many concerns.
However, if nothing unexpected happens, Qin Mu's power will surely be gradually consolidated, and he will have the strength to carry out off-site deposits and exchanges in the above-mentioned cities.
Another thing is that there are no corresponding fees for depositing money, but instead there is interest, which is something that others dare not even think about.
Money houses existed in the Ming Dynasty, but their main business was to exchange silver and money and to handle deposits from merchants. When merchants deposited gold and silver in money houses, they would charge a certain amount of custody fees.
Xu Yingjie said cautiously: "Governor, there is no charge for depositing money, and interest is paid regularly. This is likely to attract deposits. However, the more deposits we attract, the more we lose, right?"
"Don't worry about that. Just give me the money first. I will invest a lot of it in the military, politics, people's livelihood and commerce. If you invest it in the army, when the army wins the battle, the spoils can offset the payment. If you invest it in people's livelihood, when people's livelihood develops, the increase in local taxes can also offset it.
Of course, the main thing is to invest in business. Not only do you have to do business yourself, but you can also lend the money to other businessmen to support local business as soon as possible. Not only can it prosper the economy, but it can also get higher interest rates. At the same time, prosperous business will bring a lot of tax revenue. Well, we will discuss these in detail later. There is no time. The most important thing now is to get the money first. This matter cannot be delayed. "
Qin Mu said there was no time. This was because the Qing army would soon attack, and if he didn't take the opportunity to get the money, he would have no chance in the future.
Furthermore, after the money was collected, when the Qing army came, it was still unclear whether those who deposited the money would survive. If they died, then the money they deposited... could be considered as their contribution to the Chinese nation's resistance to foreign invasion. In addition, the accounts of those who voluntarily surrendered to the Qing Dynasty would definitely be frozen. Who asked you to be a traitor
This is a serious matter. Xu Yingjie thought about it and finally decided to take a gamble. If he wins, he will become an important figure in Qin Mu's circle of influence. Of course, there are risks. If things go wrong, he may be pushed out by Qin Mu as a scapegoat in the future.
Despite the uncertain risks, Xu Yingjie quickly decided to accept the challenge because it was his only chance. If he missed this opportunity, the Xu family might only be able to be lowly businessmen for generations.
"Your Excellency has shown me kindness, and I will repay you with my life."
Qin Mu said with relief: "I didn't make a mistake in choosing Mr. Xu. Mr. Xu is indeed a man who can accomplish great things. Don't worry, I will let Huang Lianshan fully cooperate with you. If this matter is done well, I will definitely reward Mr. Xu handsomely for his great contribution."
Qin Mu changed the address of "Mr. Xu" to "Mr. Xu", which made Xu Yingjie flattered. He even said he didn't dare. Qin Mu discussed many details with him before saying, "There is another one million taels of silver for Mr. Xu to buy grain. Now Guangxi, Guangdong, Jiangnan, Fujian and other places have just harvested in autumn, and the grain price is relatively low. Mr. Xu should find a way to use this silver to buy grain as soon as possible."
Xu Yingjie asked puzzledly: "Governor, in the past hundred years, agriculture and sericulture in Huguang have made great progress. It is not an exaggeration to say that if Huguang is well-fed, the whole world will be well-fed. Since you are based in Huguang, why do you still spend a huge amount of money to buy grain?"
"This one million taels is just the initial investment. Once the banking business goes smoothly, I will invest more silver to buy grain. This is my food strategy."
Food strategy is a new concept for Xu Yingjie and Ma Yongzhen.
In fact, Qin Mu's idea is not difficult to understand. In this world of war and chaos, the people are hungry, and Yun Qiao'er is not the only one who sells herself for a pancake. It can be said that whoever has food will have an inexhaustible source of soldiers. As long as there is a bite to eat, many people are willing to work for you.
Moreover, the role of food strategy goes far beyond that. There are also huge profits hidden in it. Not to mention that after controlling enough food, you can manipulate food prices to reap huge profits, you can even manipulate food prices to make it difficult for other forces to survive, or use food to exchange for significant benefits.
So although Huguang is rich in grain, Qin Mu feels that it is far from enough. However, he will not tell Xu Yingjie all this, there is no need for that.
After talking about Xu Yingjie, Qin Mu turned to Ma Yongzhen and said, "Brother Ma, I asked you to come to Changsha this time for no other reason than that I intend to entrust you with the defense of the northern part of Huguang. Huguang is a vast land and water area. It is not enough to have only an army. We must have a good navy. Otherwise, Huguang is like an open door. Others can come and fight wherever they want.
I have asked Liu Boquan to find craftsmen to build warships. I will leave the training of the navy to Brother Ma. When Brother Ma arrives in Yuezhou, he must immediately start recruiting naval soldiers, starting with 5,000 people.
A navy cannot be built overnight, so we can't wait. Brother Ma, you can use the current ships for training first. You should also pay attention to finding people with experience in naval warfare. You should take charge of this matter first, and I will make corresponding adjustments after finding experienced candidates."
Ma Yongzhen accepted the assignment to be stationed in Yueyang without hesitation. This assignment was not an easy one. There was no natural barrier to the north of Huguang. If one wanted to defend it, both the navy and the army had to be strong enough.
The three of them drank and discussed for two hours, waiting for Ma Yongzhen and Xu Yingjie to leave. It was already dusk, and a ray of sunset shone diagonally into the flower hall, making it warm and cozy.
Qin Mu, who was already a little drunk, leaned back in the armchair and took a long breath, trying to relax. To be honest, he was busy all day long and his mind never had a free moment. He did feel very tired, but time was running out and there was nothing he could do.
"You're tired too. Sit down."
Qin Mu's sudden words startled Dong Xiaowan. She had been standing there serving wine for two hours. It would be a lie to say that she was not tired. She just didn't dare and didn't want to sit down in front of Qin Mu.
"Since you are not tired, then take the zither and play some music for me. I heard that you have outstanding talents, and you are good at poetry and painting, especially playing the zither. You are finally done with your work. It's just right for you to listen to some music."
Unexpectedly, Dong Xiaowan replied: "Since I left Suzhou Bantang, I vowed to play the piano for only one person in my life..."
"Hahaha..." Qin Mu couldn't help but burst into laughter before she finished speaking, "It seems that those who preside over public opinion, look proud and talk about worldly affairs all day long are still popular."
"At least it's better than someone like you who has no respect for the emperor and father, who has his own army and is plotting to seize the country." Dong Xiaowan is a quiet person with a calm and elegant nature. She tries not to speak in front of Qin Mu. I really didn't expect that she would have the courage to say such words.
She had just heard the conversation between Qin Mu, Xu Yingjie and Ma Yongzhen. This was both a money-making and food strategy. With Dong Xiaowan's knowledge, it was beyond doubt that Qin Mu had set up such a big scheme with his sights set on the world. Perhaps this gave her a great stimulus, which led her to say these words.
Qin Mu was not angry, and said with a smile: "It's not that I don't want to help the Ming Dynasty, but there are too many people like your Mao Lang in the Ming Dynasty. They form gangs, go against the customs, and crack down on dissidents better than anyone else. If they are really asked to do something practical, they will fail more than they can accomplish. Hou Xun, Qian Qianyi, Hou Fangyu, Mao Pijiang, what kind of people are they? Hahaha, just wait and see. When the Ming Dynasty falls, if they can have the kind of integrity they say every day and dare to sacrifice their lives for the country, I, Qin Mu, will crawl under your crotch to show you."
Dong Xiaowan seemed to be too disdainful to argue with him, and turned her head away and stopped looking at him. Qin Mu reached out and took her to the small couch in the side room. Dong Xiaowan began to struggle hard, but soon stopped, her eyes slowly closed, and she remained silent. Perhaps she had known that this day would come sooner or later.
Qin Mu smiled faintly and said, "I don't care whether your heart is with me, but your body is destined to be mine. If your heart is with me, you can get pleasure from me. If your heart is not with me, I can still get pleasure from you."
Although Dong Xiaowan closed her eyes, she could not control her body's feelings. Although Qin Mu's words were ruthless, his actions were gentle.
Moreover, he understood women very well. Under his gentle and skillful caress, Dong Xiaowan's body reacted uncontrollably after a while, slowly becoming hot and then softening.
That dreamy face was tinged with a light peach blush, and her breathing became rapid. Her attractive breasts rose and fell with her breathing, and her pair of slender legs were intertwined.
Qin Mu gently took off her clothes one by one, the goose yellow flowered smoke silk shirt, the flowery mist green grass pleated skirt... ... ... ... ... until she was left with only a moon-white bellyband.
This is a charming body, with a dreamy face, skin as soft as jade, raised breasts, a slender waist, two slender straight and round penises, and a faint fragrance all over the body.
Qin Mu's fingers were like a spiritual snake moving over her charming body, so gently and patiently. When he reached into her bellyband and gently held her soft breasts, Dong Xiaowan's body could not help but curl up, and an inaudible moan escaped from her mouth, like the sound of nature echoing in a dream.
Dong Xiaowan hated herself, why was it like this, why couldn't her body stand his teasing... ..
Qin Mu stopped at this time.
Dong Xiaowan came back to her senses from the dizziness. Qin Mu was no longer there, but she could hear a faint singing voice coming from outside the courtyard:
Time keeps flowing in the past,
The profound changes are not far away.
Even if ten thousand years pass, my love will not change.
Love spreads like fire.
Memory is a long line, circling in the sky.
In the ups and downs, I thought that love was deep but fate was shallow.
You appear again, and I see the oath.
The promise is between water and sky.
Looking back, we haven’t gone far.
Yiyi's gaze will never change in this life.
To be dispersed, not used to it.
It’s too difficult no matter how you calculate it.
After separation, I am braver.
May this love be passed down from generation to generation.
If you can’t finish drinking the Fountain of Forgetfulness, you won’t be like smoke.
I miss the past again and look at the sword as if it were my face.
When waving, don't close your eyes.
Missed the amazing attachment.
Looking back, we haven’t gone far.
I am so attached to someone that I can't bear to leave.
How much sweat, enough warmth, you cry, I call
Listen to the whispers in your ears... ... ... ... ..
Listening to this song, Dong Xiaowan felt heartbroken for some reason, and two lines of tears slid down her blushing cheeks... ... ... .
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.(To be continued..)
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