(The first watch, today's third watch, ask for a monthly pass at the beginning of the month.) ）

Odd goods can live!

Until he entered King Gui's Mansion, Qi Ziying's mind still repeatedly appeared the words that the younger brother said.

Odd goods are also business.

However, such a business always needs to take risks.

A businessman came to your door?

When Pan Shiyuan saw Qi Ziying appear in the hall, he was really puzzled for a long time. He really couldn't figure out how the businessman who opened a bank in front of him could think of looking for King Gui, didn't he know that King Gui was a thrifty man? Besides, what does the clan have to pledge?

There is a way, and those who come are guests.

Pan Shiyuan, who would not neglect him in the slightest, ordered someone to inform the king of the matter. Then he came to Qi Ziying first.

"Qi Dongjia, I've kept you waiting for a long time. Pan Renyuan, the contemptible governor of King Gui's mansion. ”

"Xiaomin has seen the chief."

Qi Ziying made a bow respectfully, the chief of the palace is also an official, and he is not wrong to see it with the etiquette of an official.

After a brief politeness, Pan Renyuan asked him to sit down after looking at the owner of Fidelity Bank standing in front of him, and then asked expressionlessly.

"The Qi Dong family should know that the Gui Wangfu is scarce, and the monthly output is only a few hundred taels, and the money issued by the imperial court is all stored in the Daming Bank, and the King Gui is not engaged in industry and commerce, so naturally there is no need for bank loans."

As soon as he opened his mouth, Pan Renyuan directly pointed out that King Gui did not need to borrow from the bank, unlike other clans, the emperor treated King Gui quite benevolently, in addition to the prince of 120,000 stones, he would also take out the corresponding silver grain from the palace as a reward. This palace is different from the inner treasury of the inner chamber, the silver money of the inner treasury is said to be the emperor's, but in fact it has a semi-official meaning, for example, the official field of the world, is managed by the local government, but belongs to the royal treasury, the income of the official field is according to the number of five or five, half of the official mansion, half of the treasury, if necessary, you can apply for the inner government to pay, and the royal expenditure is also by the inner government expenditure, although the inner house belongs to the royal family, there is the emperor's task of the minister of the inner chamber to preside, but the expenditure is still subject to the supervision of the imperial court. The imperial palace is the emperor's private property, that is, the investment income of His Majesty, no matter how much the emperor spends the silver of the imperial palace, it is not hindered by the imperial court, and it is controlled by the royal retainers. Because of this, the emperor's reward is also different, if it is rewarded from the inner house, it is the government reward, and the reward from the imperial palace is the family reward. So much so that now Daming has a saying that "the government rewards lightly, and the family rewards the heavy". Therefore, many people would rather ask for a family reward of ten taels than a house reward of 1,000 taels. And the silver grain given to King Gui from the palace is a family reward, a family reward given by the king.

"Of course, Your Majesty's affection for the Gui Domain, just this month's Moon Family Reward, I don't know how many people in the world envy it." Qi Ziying nodded and said.

"In that case, you think the king needs a loan,"

Pan Renyuan took a sip of tea and asked.

"It is true that the king has His Majesty's reward, it is enough now, but what about the future?"

Qi Ziying asked rhetorically.

"In the future?"

Pan Renyuan was surprised.

"Divide the land, think that Zhuxia, Fu barbarians, belong to China."

After spitting out these sixteen words, Qi Ziying asked rhetorically.

"After the king will go out of Zhenyi in the future, he will lead the government to guard more than 10,000 people, build a city in Yidi, and start the mountains and forests, where will the king's salary come from? Relying only on hundreds of thousands of taels of the great king's family, how can it be enough for more than 10,000 government soldiers and the royal family's civil officials and military generals? ”

Because the world has long known about the "division of kings", and the newspapers are constantly discussing this, when Qi Ziying mentioned this, Pan Renyuan did not react in the slightest, but when he mentioned the future expenditure of "Guiguo", he couldn't help but be secretly shocked.

Recently, there have been a lot of people who have come to join the king in order to plan for the future, but no one has thought of what will happen to Yidi in the future. It seems that in their opinion, there is no difference between Yuyi and the Central Plains.

But they forgot that the clan was out of the town and razed the land, and it was to appease the barbarians.

How to stroke?

Not a soothing, but a soothing!

At that time, where did the salaries of the soldiers and horses of the Gui State come from?

Where did the civil and military generals of the Gui Kingdom come from, and even the expenses for razing the land, if there is a shortage, what should be done when the time comes?

"Well, what the Qi Dongjia said is very true."

Nodding quietly, Pan Renyuan asked tentatively.

"So if the king has what he needs, how much can you lend?"

"Five million taels."

Qi Ziying reported the amount in his heart without blinking his eyes.

"Oh, that's not a small amount."

A smile immediately appeared on Pan Renyuan's face.

Five million taels!

At the time of Emperor Xiaolie, the annual income of the imperial court was only more than 20 million. Five million taels, that's really not a small number.

"Of course, these five million taels are not given all at once, the first loan can be one million taels, and then it can be divided into several tranches and loaned out within three to five years to save interest for the king. But if the king has what he needs, even if he gives two or three million taels at a time, it is fine. ”

"Well, it does,"

After nodding, Pan Renyuan asked rhetorically.

"Then what will the king use as collateral?"

Salt taxes, customs duties, and even land endowments......

At least for a moment, Qi Ziying wanted to do what she originally thought, which was undoubtedly the safest and most appropriate.

But...... Odd goods can live!

The words of the younger brother once again appeared in his mind, and finally, he gritted his teeth and said.

"No mortgage required."

"No need for a mortgage? Aren't you afraid that the king will not admit it? ”

"I'm afraid, of course I'm afraid, but the king is the sage king of the founding of a country, how can he not recognize this mere millions of taels?"

"Five million taels! Even if all the belongings of the Qi family are not so much, so desperate, how can you be sure? ”

As the chief official of the house, Pan Renyuan does not know the details of Fuda, but he also understands something.

"In good faith."

"Integrity?"

"That's right, the king is not only the sage king of a country, if he wants to prosper the country, he will definitely recruit talents in the Ming Dynasty, if the king is untrustworthy and greedy for some money, how can the people of the world defect, and even the common people will come to the state of no faith for the people? Therefore, Xiaomin does not need any mortgage. ”

Qi Ziying replied confidently.

Sure enough, Qi Ziying's answer made Pan Renyuan's eyes narrow in an instant, this Qi Ziying is telling the truth, if he is a king but does not repay his debts, he will naturally not be able to recruit talents, even ordinary people, I am afraid they do not want to go to such a place, people do not stand without faith, and the same is true for the king.

Taking advantage of the time to drink tea, Pan Renyuan thought for a moment, and then asked.

"There are so many banks in the world, why did the king choose your bank?"

Indeed, three years ago, there were only three banks in the world, but now, there are no less than 100 banks in the Ming Dynasty, and with so many banks, there are more natural choices.

"Connections!"

"Connections?"

Pan Renyuan looked at the other party and motioned for him to continue.

"It is the connections, chief, my Fidelity Bank is indeed a small bank, the share capital is not more than one million, but my Fidelity shareholders have as many as a thousand people, and these people are both local gentry and businessmen, they are scattered all over North China, their connections, may not be able to reach the power, but they can contact many ordinary people, which is incomparable with other banks. Especially when the king founded his kingdom in a foreign country, how could he rely entirely on soldiers and not the people? If the shareholders of the bank bring ten immigrants to the king each, the king can have ten thousand households, so how can it be compared with other banks? ”

Qi Ziying's answer made Pan Renyuan's heart startled, for now, if the king divides the land, he must need the people, but where do the people come from?

What does this country depend on?

Rely on people!

Pan Renyuan, who is familiar with history books, knows that during the Warring States Period, the national strength of various countries depended on people, and with enough people, they could cultivate and war, plunder the people, and turn the people into Han.

Maybe in the future, the king will be able to crusade for thousands of miles around, but if there are no people, no people to cultivate, to domesticate the people, what is the use of such a crusade?

But where did the people come from? It was not enough to rely on the imperial court, after all, the imperial court needed to consider numerous overseas territories, as well as dozens of vassal states, so the resources allocated to the Gui state were obviously insufficient.

And this is precisely one of the great advantages of Fidelity Bank, Fidelity's shareholders, not millions of rich people, although the Jin merchants were rich in the world, but after being looted by Li Ziyuan, those rich businessmen or died, or the family property was seized, in short, three years ago, the merchants and gentry of Jin almost no longer existed, that is, in recent years, Shanxi businessmen have relied on their geographical advantages, judging the situation and devoting themselves to Mongolia, opening a trade route in the vast land of Mongolia, so as to accumulate some property, This also makes their share capital not large, ranging from hundreds of taels to thousands of taels, but because of this, they can reach many poor people, and naturally they can lobby those poor people to emigrate to the land.

Of course, in this process, those Jin merchants can also get benefits, because they can use this to intervene in the maritime trade of the South Seas, now, the maritime trade of the South Seas is completely controlled by the Nanyang merchants and the merchants of Jiangnan, Guangdong and Fujian, even if the Jin merchants want to intervene, there is no chance, but if the Gui State can get their help when the country is founded, they will naturally take a look at them in the future, and there are many Jin people in the country, so that they can naturally meddle in the maritime trade calmly.

As for the banks?

Whether it is the king or the people, they can't do without the bank, they need the bank, Fidelity naturally did the business in Nanyang, and there is a big customer - with a country as a customer, is there a bigger customer than this?

This Jin person is really shrewd!

After weighing it repeatedly in his heart, Pan Renyuan laughed and said.

"The Qi Dong family is really courageous! When you say that, it seems that the king will definitely cooperate with you. ”