"Yinhao Bank has its own rules, and Yuanqi Bank is no exception, since the establishment of Yuanqi Bank, it has set up a strict rule - mortgage lending." Yi Zhisuff looked at Qi Shan with his eyes level, and said unhurriedly: "The reason why Yuanqi can survive several runs and still be as stable as a rock is because of mortgage lending, which is the foundation of Yuanqi Bank. The imperial court wanted Yuan Qi to undertake a treasury bond of 10 million taels of silver, which must also be collateralized. ”

The imperial court still needs a mortgage to issue treasury bonds? Qi Shan had no expression on his face, but he was a little annoyed in his heart, he didn't know the rules of the money bank, generally the money bank is a credit loan, only if he thinks that the customer has no ability to repay, he needs to be mortgaged, Yi Zhi's contentment is this, it is clear that he does not believe in the court's ability to repay.

After a slight groan, he said in a deep voice: "What kind of mortgage does Yuan Qi need?" What are the taxes in Guangdong Province? ”

The other party's tone seemed to be a little unkind, Yi Zhizhi smiled disapprehantly, using the taxes of Guangdong Province as collateral, not to mention that the other party was not serious, even if he really meant this, he did not agree, when the time came, the governor of Liangguang and the governor of Guangdong would not release the taxes to Yuan Qi, could it be that they would not be robbed by force?

"Using a provincial tax as collateral and spreading it out will damage the prestige of the imperial court." Yi Zhishu said calmly: "I am in favor of and support the issuance of treasury bonds by the imperial court, and I also hope that the first issuance of treasury bonds by the imperial court can be smoothly launched, and Yuanqi Bank will undertake this 10 million treasury bonds, and it will also be sold to the outside world, so that it can really be called the issuance of treasury bonds, if it damages the prestige of the imperial court, it will be extremely unfavorable to the external sale of treasury bonds." ”

Listening to this, Qi Shan was a little surprised, the other party did not seem to change the way to prevaricate, but really planned to take over the 10 million national bonds, of course he knew that if the first batch of national bonds could be issued smoothly, it would be of great significance to the imperial court.

Although he knew what Daoguang's purpose was in proposing to issue 10 million treasury bonds at this juncture, compared with the two, it was more important to successfully issue 10 million treasury bonds, and besides, Yuan Qi still undertook the imperial court's 10 million treasury bonds in this situation, so difficult that it was not worth reassuring the imperial court? Besides, with 10 million national bonds in hand, I don't worry about Yuanqi.

After a pause, Yi Zhizhi continued: "In the lower part of the Futai business, it is inevitable to deal with the Yi merchants, and I have repeatedly heard that the Yi merchants complained that the customs tariffs of Guangdong are not transparent, and all kinds of complicated bad regulations have made the Yi merchants complain, and they are deliberately trying to innovate the customs and imitate the customs management systems of Western countries. ”

Qi Shan frowned and said, "Using the Guangdong customs tariff as collateral? ”

"Guangdong Customs has attracted attention at home and abroad, and it is not suitable to be used as a pilot for the implementation of customs innovation." Yi Zhisuff said with a smile: "What the subordinates care about is Jiang Customs. ”

Jiang Customs? Qi Shan felt the surprise again, the four major customs of the Qing Dynasty - Guangdong Customs, Fujian Customs, Zhejiang Customs, and Jiang Customs, among the four customs, the tariff of Jiang Customs was the lowest, and the positive surplus was added to one piece, and the tariff was less than 70,000 taels of silver a year.

He was a little puzzled, 10 million taels of national debt, a year of interest at least 670,000 taels, what can the Jianghai Customs do with that tariff a year? This kid wants to get the supervision of the Jiang Customs - this three-grade real title? Or is it to make a show and not break the rules of Yuanqi?

Seeing that Qi Shan was silent, Yi Zhixin was secretly proud in his heart, no one knew better than him, Crow. After the war, Shanghai opened its port, and Jianghaiguan became the largest customs in the Qing Dynasty in just over ten years, as long as he can now justifiably control Jianghaiguan, and the imperial court will find out that he has been fooled, and if he wants to take back Jianghaiguan from his hands, it is tantamount to a dream.

The issuance of 10 million taels of treasury bonds, with a tariff of only tens of thousands of taels a year as collateral, he did not believe that the imperial court would not agree, besides, he also said that he would use the Jiang customs as a pilot for the reform of the Qing Customs.

This is the first time Qi Shan has dealt with Yi Zhifen, and he doesn't know the other party's temperament, but he knows very well that this kid can be in charge of Yuanqi at a young age, and he can also mix like a fish in water in Guangzhou officialdom, and get the favor of a group of civil and military officials in Guangzhou, it is obviously not so simple, behind the use of Jiang Customs as collateral, I am afraid that there is another reason.

After a slight hesitation, he spoke: "Can you talk about contentment, why use Jianghaiguan as collateral?" ”

Hearing him ask, Yi Zhi couldn't help but smile, took out a cigar, and said, "You are used to smoking a cigar when you are used to thinking about things, don't you mind?" ”

Qi Shan raised his hand and said with a smile: "Contentment is casual, no need to be restrained." "In my heart, I secretly thought that this kid was really not stage frightened at all, and he was very relaxed in front of him, the Lord of the Qincha, you must know that he was both a scholar and a governor of Zhili, a high and powerful position, and a strong saint, and ordinary ministers of the third and fourth grades were cautious in front of him, how could he dare to be so presumptuous.

Yi Zhixin actually took the opportunity to light a cigarette to consider, slowly lit the cigar, took a puff, and then said slowly: "The essence of doing business is a win-win situation, otherwise the business will either not last long, or it will not be able to do.

The reason why I care about Jiang Customs is not because of the tariffs of Yijiang Customs, but because I care about the port of Shanghai, and Hangzhou Mansion, Huzhou Mansion and Jiaxing Mansion are not far from Shanghai. ”

Listening to this, Qi Shan couldn't help but suddenly realize, Hangzhou, Huzhou, Jiaxing three mansions are full of silk, Yuanqi has a lot of machine silk reeling factories under his name, Yuanqi is simply going to the raw silk market in the south of the Yangtze River, this kid is indeed a rare talent, after hearing that the imperial court issued treasury bonds, he can make a decision in an instant. Win-win, this statement is good, the imperial court and Yuan Qi have their own place, the imperial court was able to successfully issue the first batch of treasury bonds, and Yuan Qi also took this opportunity to get involved in Jiangnan raw silk,

However, he really can't and doesn't dare to make decisions about this matter, although the supervision of the Jiangxi Customs is not important, and most of the time it is concurrently served by the governor, but after all, he is a three-rank substantive official, and it is not for him to make a decision.

After a slight sigh, he spoke: "Jianghai Customs is one of the four major customs, is the most important trade sea gate in the south of the Yangtze River, is the gateway to the hinterland of the two rivers, and is the hub and convergence center of coastal trade in the North and South Oceans and coastal and hinterland trade. ”

After a pause, he continued, "But are there other details that need to be agreed?" ”

"There are so many details that need to be agreed upon." Yi Zhizhi said with a smile: "The interest rate, term, repayment method, payment method, etc. of the national debt need to be carefully negotiated, and an agreement will be drafted and presented to the adults tomorrow, is it feasible?" ”

"Time is pressing, Guangzhou to Beijing, back and forth for nearly a month." Qi Shan said slowly: "Other contentment considerations, how much is the interest on this national debt?" ”

Interest is naturally the most critical, seeing him ask, Yi Zhishu pondered for a moment before saying: "The amount of national debt is large, and the interest rate naturally cannot be too high, otherwise it is not conducive to the imperial court to issue treasury bonds in the future. ”

In all fairness, the interest of eight percent is really not high, and it can't be borrowed at all in Qianzhuang Yinhao, especially for a long time like the imperial court, Qi Shan nodded slightly, and saw that the other party was sincerely willing to undertake this national debt, and was willing to share the worries of the imperial court in such a difficult situation, although the other party used this opportunity to seek the raw silk market in Jiangnan, but he knew in his heart that at this juncture, how difficult it was for Yuan Qi to extract 10 million taels of silver.

After a slight sigh, he spoke: "Yuanqi has Yuanqi's difficulties, the old man understands, but the imperial court also has the difficulties of the imperial court, issuing treasury bonds, the court has a mixed reputation, and being content with the country, can this interest be lower?" How about six cents? ”

Yi Zhishu shook his head without hesitation and said: "If you are not willing to solve the worries of the imperial court, 10 million national debts, you can't make a decision in the next word, this matter should be convened to discuss with the owners of Yuanqi, the interest rate is too low, it is difficult to convince the public, march into Jiangnan, focus on the long-term interests, there are not many owners with long-term vision, and the adults have to understand the difficulties below." ”

This is true, and Qi Shan no longer embarrassed him, and said with his jaw: "How long does it take for contentment to officially reply?" ”

Yi Zhishu looked at him and said: "As long as the imperial court is willing to use Jianghaiguan as a mortgage, what is said below can be guaranteed." ”

Qi Shan nodded approvingly, then took out his pocket watch and looked at it, and said: "The hour is not early, be content and go back first, tomorrow gather a group of meritorious soldiers to wait in the regimental training camp, and the emperor has an edict to reward you." ”

Yi Zhizu hurriedly got up and retreated, and when he got out of the courtyard, he breathed a sigh of relief, Qi Shan found out whether Yuan Qi was sincere in undertaking this tens of millions of national debts, and then said that there was an edict to reward him, if he shirked or refused at that time, what would be the situation? After leaving the city overnight, he did not return to Lei Garden, but rushed straight to Wujia Garden by boat.

Wujia Garden, Yanhui Building.

Wu Bingjian and Wu Changqing's ancestors and grandsons sat in the hall and chatted without a match, waiting for Yi Zhi's news to see Qincha, both of them knew that no matter what the situation was, with Yi Zhi's contented personality, they would send someone to inform them.

Wu Changqing was anxious to know how the imperial court would reward him, after all, this reward was indispensable to his share, but Wu Bingjian was a little worried, the imperial court was not rewarded for the great victory of sharpening the knife and the victory in Dinghai obtained by the Guangdong Navy Division and Yuanqi Tuanlian, and he inspected Yuanqi's factory as soon as he came to Guangzhou, which was not a good sign, which made him quite uneasy, and he even regretted encouraging Yi Zhizhi to send troops to recover Dinghai.

"Old lady, young master evergreen." A steward hurried to the door to report: "The shopkeeper of Yida is here." ”

"It's coming." Wu Changqing hurriedly got up and walked out quickly, Wu Bingjian stood up, thought about it and sat down again, he knew his contented temperament, if it was a good thing, the kid would definitely not come to Yanhui Building at this time, but it was not a bad thing for people to come out, it was estimated that he was in trouble, thinking of this, he got up and took a candlestick again.

Wu Changqing walked out of the courtyard, and said with a smile as soon as they met: "I thought the city gate was closed, and the contentment brother couldn't get out of the city." ”

"Money can make ghosts grind, how can it be difficult for me to live in the city gate." Yi Zhisuff joked with a smile: "What's the matter, anxious to know the reward of the imperial court?" ”

Wu Changqing was not hypocritical, and said with a smile: "Lord Qincha is here, and there is no reason why the court's reward cannot be returned." As he spoke, he asked softly, "How's it going?" ”

Yi Zhishu shook his head and said, "No." ”

"What's going on?" The smile on Wu Changqing's face couldn't help but stiffen, and he immediately realized that something was wrong.

Yi Zhizhi smiled contentedly and said, "Don't worry, tomorrow the Qin mission will come to Henan Daying to announce the decree, and Changqing will inform the children of the merchants." ”

Hearing this, Wu Changqing's face was bright, and he said, "Lord Qincha didn't reveal anything about the reward?" ”

Yi Zhizhi smiled and said: "Look at your impatience, you can be stable tomorrow." ”

The two talked all the way into the living room, Wu Bingjian carefully looked at Yi Zhicontent, saw that he looked relaxed, couldn't help but feel a little relieved, and after he saw the salute, he asked directly: "But there was an accident?" ”

Yi Zhishu nodded, smiled, sat down under him, slowly described the situation of seeing Qishan in detail, and took him to finish speaking, the living room was quiet, Wu Bingjian and Wu Changqing were as stunned as wood carved clay sculptures.

After a while, Wu Changqing said with a worried face: "Now that Yuanqi's situation is already difficult, wouldn't it be worse to transfer another 10 million taels?" ”

Wu Bingjian waved his hand, stopped his words, and said in a deep voice: "No matter how difficult it is, you can take it." After a slight sigh, he said: "How much tax silver does Jianghaiguan pay a year?" ”

Yi Zhizhi said: "Less than 70,000 taels." ”

Wu Changqing knew what happened before and after arranging Yan Shikuan to go to the Shanghai branch, and immediately said, "Will the imperial court agree?" Furthermore, how many years will it take for Shanghai to develop? ”

"Ten years." Yi Zhi said confidently: "In ten years, Shanghai will be able to replace Guangzhou, or even surpass Guangzhou, and become the largest foreign trade port in the Qing Dynasty. ”

"It should be fine." Wu Bingjian said in a deep voice: "Yuanqi undertook 10 million national bonds, what else can you not rest assured about today?" After a pause, he continued: "For the sake of safety, this matter has to be mentioned to Lord Lin and Lord Deng, now that the struggle between the Manchus and the Han Dynasty in the DPRK and China is fierce, the issuance of treasury bonds is conducive to the main battle." ”

Yi Zhishu nodded and said with a smile: "It's still Pinghu Gong who sees it thoroughly." ”

"You're still laughing." Wu Bingjian said with a straight face: "Ten million taels of silver, how do you plan to raise it?" If it is drawn from Yuanqi, it will inevitably hurt the muscles and bones. (To be continued.) )