The general general of the canal transport at that time was Gu Huan, the Marquis of Zhenyuan.

Mr. Gu, who had just taken office, appreciated Song Xiaoming very much and agreed to his three conditions against the opposition. He also abides by the agreement for thirty years and gave strong support to the shopkeeper Song.

Song Xiaoming did not let down the favor of Zhenyuan Hou's acquaintance. After taking office, he carried out drastic reforms, carried out major changes in the inside and out of Hengtong, and formulated strict rules and regulations to impose the most severe punishment on violators...at the least, they were sent to the canal to pull the fiber, and at worst, they were beaten to death.

The Cao Transport Office has independent judicial power. Even if someone kills someone, the process will be over at the Governor's Office.

Hengtong notebook has the best innate conditions, and Song Dashangguan managed it well, his image improved rapidly and quickly turned losses into profits.

Over the past 30 years, Song Xiaoming has continuously expanded his territory by relying on the canal, acquired large and small money shops, and used more semicolons to continuously win the favor of wealthy merchants. He made Hengtongji become the largest money shop in the Ming Dynasty, and even surpassed the long-time boss "Wanyuanhao" who was backed by salt merchants.

Hengtong Ji's success brought generous returns to shareholders and also made Song Dashangguan's status in Caoyun Group soar, so he naturally became the leader of all "Caobao".

However, the officials and the "Caobao" are not yet aware that Hengtongji has not yet become the boss and is suffering severe challenges!

Moreover, the one who challenged Hengtongji was not the original boss Wanyuan number, but the Wuji Money Bank that could not even line up the top ten before.

Oh, by the way, I have transformed myself into a new name and changed it to "Jiangnan Bank".

While changing its name, Jiangnan Bank also issued three fatal arrows in a row. One was to let all prefectures and counties in Suzhou announce that they would only collect silver coupons issued by Jiangnan Bank from then on. If the people want to pay taxes, they have to use cash silver to Jiangnan Bank to exchange silver coupons.

The people support this very much, because Jiangnan Bank only charges half of the money, which is much lower than giving money directly to the official. As for an extra process, as long as it can save money, the people are not afraid of trouble.

But for colleagues, this is very disgusting. Because Suzhou is not only the most prosperous city in the world, it is also the economic and financial center of the entire Jiangnan. Any changes in Suzhou Prefecture will be magnified and transmitted to the coast of Taihu Lake and even the entire Jiangsu and Zhejiang, causing serious impacts.

Even more collapsed this year, Hai Rui actually implemented the One-whip method in Jiangnan, and all taxes were collected! This increased the amount of silver income from the government several dozen times! The government's regulations that only collect silver vouchers were not cancelled, but new prefectures and counties continued to join in.

This makes other money banks very uncomfortable because many customers will ask if there are any silver coupons when withdrawing money. This forces them to pinch their noses and take out a large amount of cash silver to exchange for silver coupons from Jiangnan Bank, otherwise a large number of depositors will be lost.

~~

If this is the case, each bank bank will be disgusted at most. Moreover, large bank banks like Hengtongji have not done anything similar, so naturally, don’t laugh at the second brother.

But the last two arrows of Jiangnan Bank completely changed the rules of the game - they actually announced that they had free deposits at their house and paid interest on the fixed deposit!

In addition, foreign exchange rates are only 5% per thousand, which is only one-tenth of the industry regulations!

This is a dimensionality reduction blow, which makes all the money banks, including Hengtongji, confused.

Saving money at their house requires a fee, and the larger the amount, the more you charge. This is also the most stable source of income for money shops! It is much more appropriate than lending and interest rates.

As for the "remote exchange" part, it is even more of the lifeblood of the money house. In this era, why did the rich rather pay than deposit money in the money house? Isn't it because it is inconvenient to carry a large amount of silver, and it is easy to attract thieves on the road? Therefore, "remote exchange" is actually the meaning of the existence of traditional money houses.

Moreover, it has higher interest rates than deposits, and is not as unreliable as lending. It has always been the favorite business of money shops, no doubt about it.

Now Jiangnan Bank has dropped the handling fee to one tenth of theirs at once, which is the rhythm of forcing them to death!

Now even Hengtong Ji feels suffocating. From the opening of Jiangnan Bank on October 8th last year to the present, in just half a year, the number of deposits of Hengtong depositors has dropped by 30%, and the most sensitive foreign exchange income has plummeted by 50%!

This is still a forced regulation by the Cao Transport Office. All canal-related businesses must be registered in Hengtongji. Otherwise, this income may be directly reduced to zero.

After all, no matter how rich the customer is, he cannot use 5% of the exchange fee without using 5% of the transaction fee. Even the "Caobao" secretly opened an account at Jiangnan Bank, and most of the money transactions are no longer in Hengtong...

Song Xiaoming had already realized the despair of those small money houses that he had destroyed. Jiangnan Bank had not even targeted him specifically, but had already forced Hengtongji, which had just become the number one money house in the Ming Dynasty, to a dead end.

This is called destroying you, what does it have to do with you?

But for the destruction party, this feeling is really bad, the deep despair and frustration even exceeds the failure itself.

Song Xiaoming leaned against the canal transportation yamen and crossed the mall for 30 years. How could he have suffered such a big loss? Of course, he had to hit Jiangnan Bank hard, otherwise the tiger would not show his power and would think he was a 'Hello little cat'.

But Jiangnan Bank's backend is strong enough, and its business is mainly in the Jiangnan area. Song Xiaoming's backend is mainly in Jiangbei. It's good that the Raptors cross the river are brave and fierce, but it is not done by wise people.

Although Jiangnan Bank also has branches along the canal... it was basically changed directly from Wuji Money House. However, the shopkeeper Song did not dare to use the power of the government to make trouble. Because Hengtongji also has a semicolon in Jiangnan, and the number is many times that of the other party. If he kills one, he can kill five of him, which is a real loss.

Song Xiaoming had no choice but to calm down and carefully study the characteristics and weaknesses of Jiangnan Bank and Jiangnan Group. He found that this was an unprecedented business name and completely subverted his existing business knowledge!

He felt that he was radical enough, but compared with this Jiangnan group, he was as conservative as a chaste woman.

What's even more terrifying is that every step of the Jiangnan Group is in a dignified and solid manner, and there is no place to be eager for quick success or instant benefits. They never even care about what their opponents do and think, but they just spread the stalls step by step according to their own pace, and in a blink of an eye, they have spread all over Jiangnan.

The unprecedented powerful opponent aroused the strong competitive spirit of the shopkeeper Song Da.

After all, not everyone in this world will be like Du Yuanwai... Oh no, Liu Yuanwai, if you can't beat him, you will join the other party.

There are always some people who only want to fight against each other when they encounter a strong enemy. They either win the battle or are killed off the horse and never think about it.

The proud shopkeeper Song is such a deadly tough guy. And he is the top business genius in the Ming Dynasty, with a sharp vision and can be called the world-class. As a result, he really found the biggest weakness of Jiangnan Bank and even Jiangnan Group!

In fact, before the Yellow River broke through, he had already started to make a secret arrangement. But at that time, Song Xiaoming just wanted to make a fight, and had no plans and no ability to kill Jiangnan Bank to death.

However, the situation changed suddenly in the past two months, and Zhao Hao openly proposed to take over the sea transportation of grain, and has put it into practice. The interests of the transportation group have been severely challenged, which just gave Song Xiaoming a god-given opportunity to use all the strength of the group to destroy Jiangnan Bank in one fell swoop, and then let the big and unscrupulous Jiangnan Group collapse!

It really made him shout secretly that God helped me.

That's why he worked hard to convene the alliance of Caoyun Group, and vigorously sells future anxiety, and desperately advocates the threat theory of Jiangnan Group. In order to tie the Caoyun Group to his own chariot, he can fight to the death with Jiangnan Group and the Young Master Zhao!

~~

The General Office of the Canal Transportation Army, in the conference hall.

Everyone yelled for a while, greeted Zhao Hao and his eighteen generations of ancestors, and then stopped to drink tea with dry mouth.

Suddenly, when he heard the sincerity Liu Shiyan, he said sarcastically: "Everyone, no matter how fierce you scold, not only will the boy named Zhao not lose a piece of meat, I don't think he can stop the grain shipping in the sea."

After Liu Shiyan was Liu Bowen, he knew some physiognomy and always treated Nazu's ancestors. He felt that there was no smarter person in the world than him, so he was so crazy.

Moreover, his family had lost their titles for many generations. After Jiajing ascended the throne, in order to create a group of nobles who were loyal to him, he specially restored the hereditary of a marquis and counts. His father became the Zhenyi Bo again. But it was too late after all, so he didn't catch up with the time when the nobles divided the interests of the canal transportation. Therefore, Liu Shiyan was a marginal person in the canal transportation group, so he naturally stood and spoke without any pain.

"Who made you not be successful? There is a saying that 'Cause is the lifeline of the country. If you don't arrive in March, you will worry about each other; if you don't arrive in June, you will cry; if you don't arrive in one year, you will have people who can't speak for it." Liu Shiyan said, crossing his legs, gloatingly glanced at the dark-faced Cao Transport officials and said:

"Now it is just a situation where 'you are worried', and the court can still calm down. When the 'human people cry', who dares to stop the sea transportation? It would be great if there is a life-saving straw."

"You!" Everyone was angry, but they just blamed him for telling the truth, increasing others' ambitions and destroying their own prestige.

"Zhengyi Bo is right, there is no chance for the canal transportation within a few years." Zhenyuan Hou, who had been silent, finally spoke at this time. "The Ministry of Revenue is going crazy, and we can't stop the shipping."

As he said that, he looked at everyone and said, "Don't bother with me anymore, I'd better think about how to deal with it."

"The Marquis said very well." Pingjiang Bo Chen Wangmo continued: "Since the sea transportation is imperative, we must see how it is most beneficial to us."

"Of course I snatched the shipping route!" Someone immediately said: "When the ancestor of Pingjiang Bo, the first general of the canal transport, he was also in charge of the second route of the sea and canal. Until now, there is still a treasure mountain built by him in Jiading County!"
Chapter completed!