***

In the flower hall, no one had the heart to move the chopsticks again, Qin Mu said to Xu Yingjie solemnly: "This official plans to allocate four million taels of silver to you, of which three million will be used to set up a bank.

At present, nine branches have been opened in Changsha, Yuezhou, Hengyang, Ganzhou, Nanchang, Nanjing, Hangzhou, Suzhou and Yangzhou. As long as the customer deposits silver taels in one place, he can take the bills issued by the bank to other branches to redeem the corresponding silver, of course, this is to charge the corresponding handling fee;

On the other hand, when we accept deposits, if the customer deposits a current account, the corresponding fees will be waived. If you have a fixed deposit, you can also get a certain amount of interest, and you can also accept the pawn of valuables and carry out loan business. For now, let's start these businesses for the time being. ”

Qin Mu's words made Xu Yingjie secretly take a breath of cold air, it is easy to understand the exchange in different places, but for a long time, because of the difficulty of gold and silver transshipment, even if someone thinks of such an idea, they are reluctant to implement it.

However, if nothing else, Qin Mu's shili will definitely be gradually consolidated, so he will have the strength to carry out remote deposit and exchange in the above-mentioned cities.

Then there is the fact that the deposit bank does not charge the corresponding fees, but has interest, which is something that others dare not think.

The money bank has been around for a long time, but before that, the main business of the money bank was to operate the exchange of silver money and deposit funds for merchants. And when the merchant deposits the gold and silver in the bank, the bank charges a certain amount of storage fee.

Xu Yingjie said cautiously: "Lord Governor, there is no fee for depositing silver, and there is interest on a regular basis, which is easy to attract deposits, but in this way, the more deposits we attract, the more we lose?" ”

"You don't have to worry about this, let's give the money to the official circle first. At that time, the official will invest a large amount of money in the military, government, people's livelihood and commerce, and in the army, and when the army wins the battle, its own seizures can offset the payment for goods, and it will be invested in the people's livelihood, and the people's livelihood will develop, and the local taxes will increase, which can also be offset;

Of course, the main thing is to invest in business, not only to run your own business. You can also lend money to other businessmen, and support local commerce as soon as possible, which can not only prosper the economy, but also get higher interest rates, and at the same time, prosperous commerce will bring a lot of tax revenue. Well, let's discuss these in detail in the future, there is no time, the most important thing at the moment is to circle the money first, this matter cannot be delayed. ”

Qin Mu said that there was no time. is because the Qing army is about to fight, and if you don't take the opportunity to circle the money, you won't have a chance in the future;

The second is to circle the money. When the Qing soldiers came, whether the people who saved the money could survive is a matter of whether they died, then the money they saved could be regarded as their contribution to the Chinese nation's resistance to foreign invasion. In addition, for those who take the initiative to clear up, the account will definitely be frozen, who let you be a traitor?

Matters. Xu Yingjie thought about it for a while, but Zuihou still decided to take a gamble, and if he won this bet, he would become a pivotal figure in Qin Mu's shili circle in the future. Of course, there must be risks in this, and in the future, he will probably be pushed out by Qin Mu as a scapegoat.

Despite the uncertain risks, Xu Yingjie quickly decided to accept this challenge, because this was his only chance, and if he missed this opportunity, the Xu family might only be lowly businessmen for generations.

"Adults carry love, and villains will repay their livers and brains."

Qin Mu said with relief: "This official didn't look at the wrong person, Mr. Xu is really a person who does great things, don't worry, I will let Huang Lianshan fully cooperate with you." This matter is done well, and Mr. Xu's great achievements will be rewarded by the official. ”

Qin Mu changed the title of "Xu Dongjia" to "Mr. Xu", which flattered Xu Yingjie and didn't dare to say anything, Qin Mu discussed many details with him before he continued: "There is also a million taels of silver, which is used by Xu Dongjia to buy grain, and now Guangxi, Guangdong, Jiangnan, Fujian and other places have just harvested in autumn, and the price of grain is low, Xu Dongjia wants to use this silver to buy grain as soon as possible." ”

Xu Yingjie asked puzzledly: "Lord Governor, in the past hundred years, Huguang agriculture has been greatly developed, it is not too much to say that Huguang is familiar with the world, since your Excellency is based in Huguang, why do you still spend a huge amount of money to buy grain?" ”

"This million taels is just an early investment, once the banking business is carried out smoothly, the official will invest more silver to buy grain, this can be regarded as the official's food strategy."

Food strategy is a new concept for Xu Yingjie and Ma Yongzhen.

In fact, Qin Mu's thoughts are not difficult to understand, in this world, 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 in his hands will have an inexhaustible supply of soldiers, and as long as there is a bite to eat, a lot of people are willing to die for you.

And the role of food strategy is far more than that, there are huge profits in it, not to mention that after mastering enough food, you can manipulate food prices to grab huge profits, and you can even manipulate food prices to make it difficult for other shili to survive, or exchange food for major profits.

Therefore, although Huguang is rich in grain, Qin Mu feels that it is far from enough, but he will not tell Xu Yingjie and Pan about this, there is no need for this.

After talking about Xu Yingjie's matter, Qin Mu then transferred it to Ma Yongzhen and said: "Brother Ma, let you come to Changsha this time, if nothing else, I plan to entrust you with the defense line north of Huguang." Huguang is flat and wide, and it is not enough to have an army alone, there must be a good fighting water division, otherwise Huguang is equivalent to an open door, and others can come when they want to come, and they can fight wherever they want;

I have now asked Liu Boquan to find craftsmen to build warships, and I will hand over the training of the navy to Brother Ma, after Brother Ma arrives in Yuezhou, he must immediately start recruiting sailors and soldiers, and recruit 5,000 people first;

The sailors can't become an army overnight, they can't wait, and Big Brother Ma can use the current ship to practice first. You should also pay attention to the search for personnel with experience in water warfare, you should take care of this matter first, and then I will make corresponding adjustments after finding experienced candidates. ”

Ma Yongzhen did not hesitate to take over the mission to sit in Yueyang, this mission is not easy, there is no natural barrier to rely on in the north of Huguang, if you want to hold it, only the land and water armies are strong enough.

The three of them drank and discussed at the same time, and spent two hours waiting for Ma Yongzhen and Xu Yingjie to say goodbye. It was already dusk, and a trace of afterglow slanted into the flower hall, warm and warm.

Qin Mu, who was already three points drunk, leaned on the Taishi chair and took a long breath, trying to relax himself, to be honest, he was busy all day long, and his mind did not have a moment of leisure, he did feel very tired, but there was no time, no way.

"You're tired too. Have a seat. ”

Qin Mu suddenly spoke, which made Dong Xiaowan stunned, she served wine on the side, stood for two hours, and said that it was a lie if she was not tired, but in front of Qin Mu, she didn't dare and didn't want to sit down.

"Since you are not tired, then bring the piano and play the piano for me. I heard that you are very talented, can be good at poetry and painting, and are especially good at playing the piano, and you are finally busy with business. Just listen to the piano. ”

Unexpectedly, Dong Xiaowan replied: "Since I left Suzhou Bantang, I have sworn that I will only play the piano for one person in this life."

"Haha" Qin Mu didn't wait for her to finish, he couldn't help but let out a loud voice, "It seems that it is still those who preside over the Qing discussion." People who look forward to self-pride and talk about the great affairs of the world all day long are popular. ”

"At least it's better than a monarch like you, who has no monarch and is self-respecting. The people who seek to seize the country and the society are strong. Dong Xiaowan is a quiet person, she is light and elegant by nature, and she can try not to open her mouth in front of Qin Mu, I really didn't expect her to have the courage to say such a thing.

She listened to Qin Mu's conversation with Xu Yingjie and Ma Yongzhen just now, this is another circle of money, and a food strategy, with Dong Xiaowan's knowledge, Qin Mu has set up such a big situation, and there is no doubt that he is aiming at the world, maybe this gave her a lot of stimulation, so she said this.

Qin Mu was not angry, and said with a smile: "It's not that the official doesn't want to help Daming, it's just that there are too many people like your family in Daming, ganging up, radical and anti-vulgar, and fighting dissidents more than anyone else. Hou Xun, Qian Qianyi, Hou Fangyu, Mao Bijiang, what's it, haha, you wait and see, when the Ming Dynasty dies, if they can have the kind of integrity that they shout every day, and dare to die for the country, I, Qin Mu, will drill under your crotch and show you. ”

Dong Xiaowan seemed to disdain to argue with him, and twisted her head to the side to stop looking at him. Qin Mu stretched out his hand and carried her to the small couch in the side room, Dong Xiaowan began to struggle, but soon stopped again, a pair of eyes slowly closed, without moving, maybe she already knew that sooner or later there would be this day.

Qin Mu smiled faintly: "I don't care if your heart is in my body, but your body is destined to be mine." Your heart is with me, you can get pleasure from me, and if your heart is not with me, I can still get pleasure from you. ”

Although Dong Xiaowan closed her eyes, her physical feeling was not controlled by her, and although Qin Mu's words were very ruthless, her movements were very gentle.

And he knows women very well, under his gentle and skillful caresses, after a while, Dong Xiaowan's body reacted irrepressibly, slowly becoming hot and softening.

The dreamy face was dyed with a faint peach halo, and the breathing became rapid, the seductive breasts rose and fell with the breathing, and a pair of slender jade legs were also twisted together.

Qin Mu gently took off her clothes one by one, goose yellow sprinkled flowers and smoke shirts, scattered flowers, mist and green grass pleated skirts until there was only a moon-white belly pocket left on her body.

This is a delicate carcass, a dream-like face, the ice muscles and jade bones are as warm as jade, the crisp chest is raised, the waist is weak, the two slender jade are straight and round, and there is a faint fragrance all over the body.

Qin Mu's fingers were like a snake full of spirituality swimming in her moving jade body, it was so gentle, so patient, when he reached into his belly pocket and gently held her soft jade peak, Dong Xiaowan's body couldn't help but curl, and an inaudible whisper escaped from her mouth, just like the heavenly sounds echoing in a dream.

Dong Xiaowan hated herself, weishenme was like this, weishenme's body couldn't stand his teasing

Qin Mu stopped at this time.

Dong Xiaowan came back from her dizziness and was no longer visible of Qin Mu, but she heard a faint singing voice from outside the courtyard:

Time wears the passage of time,

The poignant changes are not far away.

For another 10,000 years, the affection will not change.

Love spreads like a fire.

Memory is a long line that hovers over the horizon.

In the ups and downs, I think the love is deep and shallow.

You reappeared, and I saw the oath.

Promise between the water and the sky.

Looking back, I never went far.

Yiyi's eyes will not change in this life.

To be scattered, not to get used to.

It's too hard to calculate.

Be braver after separation,

May this love be passed on from generation to generation.

If you can't drink the fountain of forgetfulness, it won't make you like smoke.

The past is nostalgic again, and the sword is like a face.

The moment you wave, don't close your eyes again.

Missing out on the amazing attachment.

Looking back, I never went far.

Lingering on a person who is in love.

How much sweat, enough warmth, you cry, I call

Hear the whispers in your ears

Listening to this singing, Dong Xiaowan didn't know Weishenme, and was heartbroken for a while, and two lines of tears slid down her cheeks that had not receded

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(To be continued......)