In the study, Wu Changqing was dumbfounded when he heard this, and he was content that this guy had eaten leopard gall, and he dared to risk the world's condemnation to blackmail the Wu family into borrowing money from Futai Bank in this way! Is this guy crazy? I really didn't see it on weekdays, this kid was so bold! I wonder if Grandpa will agree?

In the hall, Wu Bingjian's face was gloomy and about to drip water, whether it was the other commercial houses of the Thirteen Lines or the Wu family's Jardine House, tea was the main trade, and the most profitable was also the tea trade, only the Jardine Bank, the profit of the tea trade was millions of taels a year.

He could never have imagined that there would be the children of the Thirteen Merchants who would blackmail him into borrowing money by selling tea cultivation technology and tea-making technology to the British!

Is this Yi Yunchang's idea or the idea of the hairy boy in front of him? Wu Bingjian couldn't be sure for a while, but he knew that when Futai Bank was in danger of going bankrupt, this was definitely not just a threat, and the Yi family definitely dared to take risks.

After a long silence, Wu Bingjian spoke: "Why don't you directly trade with Baoshun Foreign Bank in private?" ”

In the 21st century, the position of Chinese tea in the international market is far inferior to Assam tea, Darjeeling tea, Ceylon tea and other Indian teas, while in the 18th and 19th centuries, Chinese tea is a monopoly, and it can even be said that it monopolizes all tea in the international market.

The so-called Indian teas such as Assam tea, Darjeeling tea, and Ceylon tea were secretly transplanted from Fujian to India by the British in the mid-19th century.

For this period of history, Yi Zhishu can be said to hate deeply, and naturally he is also impressed, he dared to come to the door to threaten Wu Bingjian without fear, just because he is familiar with this tea history.

Seeing that Wu Bingjian was not furious, but asked him why he didn't directly trade with Baoshun Foreign Bank in private, Yi Zhishu suddenly felt relieved, and immediately pointed to the chair and said, "The younger generation has not recovered from a serious illness, can you sit down and say?" ”

It's not that he can't really stand up, but he wants to seek equality, equality in momentum, equality in psychology, and he is not here to beg for loans, but to borrow by means of coercion.

Wu Bingjian glanced at him with some surprise, with his status, status, age and qualifications, even if Yi Yunchang and other thirteen merchants were in front of him, he had to abide by the etiquette of the juniors, this little guy actually asked him for a seat, it seemed that the little guy was very confident in his heart, and after a little hesitation, he said expressionlessly: "Sit down." ”

Yi Zhishu stepped forward slowly, and sat down opposite him very naturally, and then said: "Selling tea seeds, tea cultivation technology, and tea-making technology to the British will cut off the financial routes of all the merchants of the Thirteen Lines at a small level, and cut off the financial routes of most of the tea merchants and the livelihood of tea farmers in the Qing Dynasty, and it is not only for a while, but forever."

The younger generation is not a person who does not know the importance of the matter, if it were not for the imminent collapse of the Fu Tai Bank, the Yi family is facing the desperate situation of bankruptcy, the family is ruined, and the younger generation does not dare to give birth to such crazy thoughts, so they first came to Pinghu Public Office to seek assistance, and hoped that Pinghu Public would help. ”

After a slight pause, without waiting for Wu Bingjian to speak, he continued: "The younger generation dares to guarantee with the head of the item, and within five years, he will definitely pay off all the arrears with interest, and please rest assured that Pinghu Gong." ”

Hearing this, the expression on Wu Bingjian's face softened slightly, his fingers tapped rhythmically on the chair, and he spoke after a while: "Futai is not good at management, and the situation of the Thirteenth Bank has been quite difficult in the past few years, how can you guarantee that you can repay the loan within five years?" ”

Seeing that the content of the conversation was completely carried out under his guidance, Yi Zhizu showed a smile and said confidently: "Five years is a rather conservative estimate, in fact, three years should be enough, the reason is very simple, as early as this year, or later next year, the imperial court will vigorously ban smoking, which will greatly improve the current predicament of the Thirteen Elements." ”

Yi Zhishu knew very well in his heart that the result of the ban on smoking in the Qing Dynasty was to lead to the outbreak of the ** war, and what to improve the situation of the Thirteen Elements was purely nonsense, and the reason why he said this was to dominate the topic.

"Vigorously non-smoking?" Wu Bingjian said disapprerovingly: "The imperial court has not banned smoking over the years, which time is not the thunder and rain?" ”

"What the younger generation said is that across the country, a large-scale ban on smoking, Guangzhou will be the top priority, and it will never be a thunderstorm and a small raindrop, and the wet and wet crust will stop."

"How so?"

"Fleur (crow. Huge profits, the amount of input has increased year by year, and in recent years, it has increased significantly, and a large amount of silver has been lost, which will inevitably lead to the cheapness of silver. Yi Zhizu said loudly: "Pinghu Gong should know very well, what does it mean to be rich in silver?" Not to mention the impact on the people and the impact on commerce and trade, but only the most direct impact on the imperial court, that is, the decrease in annual income and local turmoil, which is unbearable and difficult for the imperial court to sit idly by.

In the past two years, the increase in the import of A Furong is so great that it can be said that it is appalling, how dare the imperial court sit idly by, and how dare it continue to indulge? The court officials were not all corpse vegetarian meals, wine bags and rice bags, so the younger generation boldly concluded that the most stringent anti-smoking measures of the Qing Dynasty would be introduced as early as this year or next year at the latest. ”

Wu Bingjian looked at him quietly, but he was a little surprised in his heart, this guy is a famous child of the thirteen lines? Is it a street fight, a jealous character in the green building, and a rich and strong character in the restaurant? With this talk, knowledge, and courage, how many people in the Thirteen Lines can match?

Is it this kid who has hidden it in the past? Or did Yi Yunchang instruct him to say so? Wu Bingjian was difficult to judge for a while, and after pondering for a while, he said tentatively: "The old man has never cared about state affairs, nor is he academic, and he really doesn't know what it means to be rich in money?" Can you elaborate on that? ”

Listening to this, Yi Zhi's heart was firmly put into his stomach, Wu Bingjian has served as the chief merchant of the Thirteen Banks for decades, and can be called one of the richest people in the Qing Dynasty. The other party is interested in taking the school test, which shows that Wu Bingjian is interested in him.

This is naturally a good thing, he was forced to use such a shady method to blackmail Wu Bingjian to borrow money, but he didn't want to offend Wu Bingjian or have a bad relationship with the Wu family, this is not a good thing for him, and it is not a good thing for Fu Tai Xing, it can arouse the interest of the other party, and finally gain the appreciation of the other party, I believe that Fu Tai Xing has the ability to repay the money, which is a happy situation.

"Since Pinghu Gong has the heart to take the school examination, the kid will dare to get an axe." Yi Zhizu said humbly, and then said: "The most direct response to the price of silver is that the price of silver money has risen sharply, and the imperial court levies taxes based on silver, but the people pay taxes mainly on copper money.

The two are intertwined, the imperial court taxes, customs duties, commercial taxes, salt taxes will be greatly affected, taking the salt tax as an example, the salt merchants into the salt to spend out of the silver, the sale of salt to recover is the copper money, the silver price has risen sharply, the price of salt can only follow the rise, otherwise it will have to lose money, the problem is that the people are affected by the disguised endowment, there is little money in their hands, some even have no money, but salt is indispensable for a day, in this way, private salt is bound to be rampant, not only the salt merchants are miserable, the salt tax will also be sharply reduced.

In addition, the money bank and the silver account will also be affected ....... ”

Wu Bingjian has been listening quietly, without saying a word, but listening is very focused, easy to know that he is more concise, from the imperial court taxes to the money village silver number, from agriculture to commerce, from handicraft workshops to the market, it can be said that it is comprehensive, and the disadvantages of silver and money are analyzed very comprehensively and thoroughly.

Wu Changqing, who was eavesdropping in the study, was also shocked, is this guy easy to be content? Not to mention that he is a guy who has been messing around all day, idle, and playful, even those sour talents in Wenlan Academy can't have such comprehensive opinions.

“…… Silver is expensive and cheap, if it is getting worse, it must be the withering of all industries, the most bitter person, nothing more than the people, the younger generation steals that the biggest harm of silver and money is to stimulate social contradictions, exacerbate social turmoil, the people are poor, once they encounter natural disasters and man-made disasters, there will be riots, and it will spread rapidly, this is the most worrying place, the court people of insight can not tolerate it, dare not let it go! ”

Wu Bingjian nodded and said slowly: "Who did you learn these economic studies?" ”