"We and Yusheng has officially launched the insurance business, before the account bureau is for the public to collect and transfer silver two, such as in Jinan Mansion deposit one hundred taels, to Beijing after paying the fee, with the silver ticket to take another hundred taels, this account bureau has been in line for more than five years, have you ever heard of an example that has not been exchanged? In the first two months, some people made rumors that Yusheng and I were short of silver, which led to a run on all parts of Beijing, from Jingshi to Zhangjiakou Fort, then to Datong, east to Yongping Mansion, Shanhaiguan, Ningyuan, and then to Baoding, Zhending, into Henan Mansion Kaifeng, and then in Linqing, Jinan, there were runs everywhere, and as a result, we exchanged more than 800,000 taels of silver in the end of the month......"

At this time, there was a buzzing discussion, most of which were appreciative of the shopkeeper's words...... The matter is indeed obvious, the facts are much more powerful than the verbal propaganda, most of the rich gentry and merchants present have also participated in the run, and the result is as much as possible, and Yusheng's daily silver is extremely sufficient. Pen, fun, pavilion www. biquge。 info

Later, the news spread, the capital division south to Shandong and Kaifeng, there is a run everywhere, dozens of prefectures and counties are rushing to redeem, and Yusheng opens the door of the account bureau every day, from morning to night has been non-stop to give people to exchange, the result of the whole month to exchange more than 800,000 taels of silver, the account can be said to be empty, until the end people gradually understand that it must be a groundless rumor to harm people, and everyone is also amazed...... How much money does He Yusheng have, more than 800,000 in such a short period of time, it is impossible to say that the account bureau has 800,000 at all times, it is impossible, everyone is a businessman, and it is impossible to put the silver without it, but at the same time with the silver, you can always take out 800,000 taels to save the emergency...... Even if it is the imperial court, the annual income in the Jiajing period is less than 2 million cash, even in the Wanli period, the annual income is only 3 million, and at the end of the Wanli period and the Apocalypse period, the tax on the field is levied for Liao, and the imperial court's income has only reached more than 7 million, and at this time, a merchant can take out 800,000 taels of silver between changing hands, which shows that its financial strength is rich, and I am afraid that it is not under the imperial court.

After August, there are such rumors everywhere, when Wang Wenyan set up this bureau, he just wanted to add a small block to He Yusheng, but he didn't necessarily want to take advantage of this time to really bring down and Yusheng, but he never thought that this thing not only did not succeed, but it was a great name for He Yusheng, and after August, and Yusheng account bank deposit had a blowout outbreak, according to Tian Jitang's estimates, at the peak of the year's purchase and storage, the account bureau bank deposit can reach more than one million.

Zhang Han set up this account bureau at the beginning, the intention is to use it as the beginning of China's banking industry, but unfortunately the start is very unsmooth, after all, it is not long after the opening of the sea in Longwan, although the commodity economy is developed, but the exchange industry is not even a bud, can not mention the Tang and Song Dynasty flying tickets and money examples, a long time apart, no one remembers. At this time, the Ming Dynasty did not even have a money village, of course, not to mention the ticket number of the whole country that Shanxi people made out by virtue of the identity of the imperial merchant, naturally there was no silver ticket, the so-called money bank, just the place where the copper money was exchanged, and the silver shop, which was the place where the broken silver was melted into whole silver, or the whole silver was exchanged for broken silver or copper money. At that time, people had no concept of the financial industry, the account bureau was very difficult at the beginning, and then it was with Yusheng to tie the account bureau and the logistics industry of the mule and horse shop, as well as the dart shop, which pushed the account bureau business in the area of Datong Xuanfu, and waited until it took several years to operate in Beijing and other places, a year combined, in more than a dozen prefectures and dozens of counties, the deposit of silver was only seven or eight hundred thousand, this scale, compared to the scale of trade in Beijing and other places, it was not even a fraction, if it was in the south of the Yangtze River, it would be even more funny, several rich gentry bought boats and went to sea, At least 100,000 yuan, and Yusheng's account business, the gentry and wealthy families in Jiangnan can get out.

Fortunately, after a run, this head has really stood up, and it is estimated that if the account bureau can collect 2 million silver next year, it will be not small in the northern trade quota...... This is also Longwan opened the sea, if in the early Hongwu years, the gold and silver in the world are almost collected by the Mongols, even Zhu Yuanzhang does not have a few taels of silver, after decades of recuperation, and Yongle tossed out a lot...... Fortunately, now that Longwan has opened the sea, the amount of private silver deposits has risen much compared to the beginning of the country, and the liquidity of the commodity economy has also increased, otherwise it is really a barren land, even if Zhang Han is more powerful than Tao Zhugong, I am afraid that it will not be possible to do such a business transaction on such a scale in Daming at that time.

"The insurance business is similar to the account business, but it is not the same. In recent years, there have been more and more homeless people and bandits, and many merchants have suffered losses, even if there are no bandits, there are tigers, thieves, Xu officials, yacha helpers, tax officials, country households, gentry and slippery villagers, all the way down, it is really difficult and difficult, it can be described as a dangerous road. In view of this, we and Yusheng launched the insurance business, whether or not the goods are transported by our mules and horses, as long as the value of the goods has been checked, after the insurance, no matter what the reason, whether it is extortion, extortion, robbery, or floods, fires, no matter what the reason, as long as the goods are lost, Yusheng and I can maintain the value for you, and pay compensation according to the price......"

When Shi Congbin heard this, his heart moved, and he immediately said to his cousin Shi Congde: "Xuanhu, you should go to several big cloth shops in the city now, and settle all the goods that I have seen a few days ago that have not yet been finalized. ”

"But the price they ask is too high......"

"Less nonsense!" Shi Congbin said angrily: "Just do what I tell you to do, how can there be so much verbosity!" ”

"Yes, yes...... Don't be angry, third brother. ”

Shi Congde rarely saw Shi Congbin lose his temper like this, and he was in a hurry at the moment.

The shopkeeper over there and Yusheng had already begun to answer everyone's questions, and after everyone asked, he smiled and said: "You think it's very mysterious, and you don't know what's going on, but it's actually very simple...... If there is a commercial bank to transport goods out of the city, or there are foreign merchants who want to leave the Gyeonggi area with goods, as long as we are insured, and then Yusheng's mules and horses transport goods out of the city, then we are responsible for all safety matters before arriving at the destination, and once there is a loss, even if it is called Beiyu to rob, we and Yusheng will also pay according to the price......"

"There is no such good thing." A wealthy merchant listened for a long time, then shook his head and said, "Since the beginning of the history of faith, no merchant has ever done this, and no one has ever done such a thing...... Don't worry, shopkeeper, I didn't believe in the meaning of He Yusheng, however, after all, this thing is too illusory! ”

"yes, that's what I thought."

"It always has to be more than 1,000 taels or even thousands, and tens of thousands of taels of goods are worth insuring, right? If a city protects more than 10 companies, dozens of cities are hundreds, what is the price of goods in a year? Recently, the local area is not quite peaceful, robbing dozens of houses a year, I am afraid that he and Yusheng will lose money, how can there be such a reason. ”

"It is true that even if He Yusheng can lose a few times, I'm afraid others can't bear it. It's me, thousands of silver goods, let the thief rob it, although it is distressing, but if other merchants compensate me for my losses, how can I bear it? ”

"That's right! If you are in trouble at home, you can't ask others to make up for your losses. ”

Some people don't believe it, some people don't believe it, and some people feel that something is wrong even if they do......

The shopkeeper listened and said with a smile: "Believe it or not, in short, as long as someone buys it and tries it." In addition, don't have any doubts, since we ask someone to insure the insurance, of course it is charged, and since we make money, of course, we must pay for it. ”

"I'm afraid it's not right." There are also people who shook their heads and said: "A loss is tens of thousands, how much can you earn, I think that Zhang Dongzhu of Yusheng is not thoughtful about this matter." ”

Everyone nodded, feeling that Zhang Han was too hanging......

The shopkeeper smiled and said nothing, in fact, he Yusheng originally had doubts, and later the military department held a branch meeting, which explained the mathematical model very simply, so everyone understood that even if there are occasional compensations, as long as there are more insured people, the income is still much more than the income, simply put, it is just a matter of probability.

It's a pity that at this time, there are too few people who understand this, even if the shopkeeper has explained it very clearly, there are some businessmen who trust and Yusheng, believe in Yusheng's strength and style of doing things, but still hesitate, afraid that it will cause a bad reputation, indeed, if there is really any accident, ask other merchants to pay themselves thousands of taels of silver, although they can reduce the loss, but the loss of reputation and conscience is uneasy, that is not to spend money can be bought.

Perhaps later generations do not believe very much, at the time of the Ming Dynasty, although there were hated relatives who were willing to eat their flesh raw, nobles, eunuchs, and vicious and ruthless officials, tigers and wolves, officials and rich households who oppressed the villagers for the rich, and robbers, tiger scoundrels, poles and horses, but the spirit of Sven is still there, the power of moral restraint is very strong, people are in awe of their ancestors, believe in feng shui retribution, and be benevolent for the rich, and pay attention to the scale of faith and doing things, greed and insatiability are not only to cause bad reviews, It will also have a direct impact on the status and actual interests in the business community.

Even psychologically, there is a lot of awe and jealousy, people who are rich and unkind may be proud for a while, but they are unrighteous and helpless, and few people who really do things in the township without scruples can prosper for a long time, such as the famous traitor Yan Song, whose reputation in his hometown is very good, and Xu Jie, who overthrew Yan Song, has a very bad reputation in his hometown, because his godson has no way, forcibly seizes people's land in his hometown, and does many illegal acts, and later the Xu family was targeted by Hai Rui, a famous Qing official without scruples, and made a mess, Xu Jieren is alive, As a retired prime minister, he was forced to have a home and could not return, and his children and grandchildren were exiled to Liaodong, it is conceivable that it is difficult for a really bad gentry to survive in his hometown, let alone be proud.

The scene became awkward for a while.