Chapter 646 North and South Banks

After a good night's sleep, Zhang Yu didn't get up in a hurry.

"Ning'er, you were so hot last night." Zhang Yu said intentionally.

"It's all your fault, how dare you say it." Zhang Ning went to pinch Zhang Yu after speaking.

The two fought for a while before Zhang Yu got up.

After getting up, Zhang Yu went to find Guo Jia.

"Feng Xiao, go to Zhang Zhao and ask for a copy of the list of people who lent me money last night, and then secretly check to see who among these people has borrowed the most money."

What Zhang Yu said about borrowing a lot was not the amount of money borrowed, but the proportion of his family's property.

For example, a family has only 10 million assets, but they borrowed 2 million from Zhang Yu, which accounts for 20% of the assets, which is very high.

"My lord, it's easy. I have a lot of information on file. Just go back and check it. It can be done in one day." Guo Jia said after understanding Zhang Yu's meaning.

Guo Jia had collected this information, but he blocked all the information.

These messages involve other people's privacy, as long as they do not pose a danger to Zhang Yu and the others, then Guo Jia will not use them, and usually will not let people touch them.

As for collecting these information, it was also requested by Zhang Yu, but Zhang Yu himself would not investigate unless it was necessary to target someone.

It is necessary to collect this information. If a certain family suddenly has a large amount of income, or secretly transfers a large amount of assets out, it may be suspected of collaborating with the enemy. Only when these conditions are triggered, will they send someone to investigate carefully.

The news that Guo Jia filed was not too secretive, it was just a collection of a lot of news.

That night, Zhang Yu received the message.

"It's not bad for Chen Sheng. He borrowed one million yuan. This is all his current assets. His total assets are more than eight million yuan. He can use them normally. This one million yuan is already the limit." Guo Jia said.

"It's the same for Yang Hong. The three million he borrowed is one-third of his property. I heard that he has to borrow part of it from other people to make up for three million."

Guo Jia told Zhang Yu some more news. There were more than a dozen lending money to Zhang Yu sincerely. Although they didn't have the most money, they did their best.

"Okay, these people, I will never treat them badly." Zhang Yu said.

"Haha, my lord, I just lent you some of those, you wouldn't want to investigate them, would you?" Guo Jia said with a smile.

Zhang Yu shook his head and said: "As long as these people continue to abide by the law, no one will embarrass them, but many benefits in the future must first take care of those who support me."

"I will let Zhang Zhao focus on taking care of these people. We need to cooperate with them first. For example, if we want to purchase supplies, we must first look for them." Zhang Yu said.

Guo Jia nodded, admiring Zhang Yu very much, thus forming a huge interest group, these people will support Zhang Yu even more when they develop.

At the same time, there are others who only regret it.

It is not just talk that Zhang Yu will not treat them badly.

For example, Chen Sheng opened a mine, and Zhang Yu and the others needed all these things, so they naturally bought them back. In addition, Zhang Yu needed a lot of stone materials to build a city, and there was a lot of stone materials for mining. Pen.

In addition, when Yang Hong opened a tea garden, Zhang Yu could buy the tea and sell it to the grassland, or match Yang Hong to transport it directly to Youzhou for sale.

Some of these people need the cooperation of the government, and Zhang Yu will give them more convenience within the scope of his authority.

Those who can cooperate are given priority.

Those who did not try their best to borrow money, although they were not on Zhang Yu's blacklist, they also did not receive Zhang Yu's care, and they would regret it to death.

Soon after, Zhang Zhao approached those aristocratic families and cooperated with them.

For example, Chen Sheng, Zhang Zhao directly gave him two million dollars to buy all his copper mines and some stone materials.

Chen Sheng lent one million and received two million immediately, and it was paid in advance.

This made Chen Sheng never think of it.

Then, more than a dozen families were also taken care of to varying degrees.

Yang Hong wants to charter a boat to sell tea in Youzhou.

For a whole boat, Zhang Zhao directly issued a voucher so that he could pay after he came back, because renting a boat requires a deposit, which is not a small deposit.

In addition, Zhang Zhao asked him to help bring some things back when he came back, and the rent paid for part of it for him.

In this way, Yang Hong is very cost-effective, and there is no need to empty the boat when returning, saving a lot of rent.

Some aristocratic families understood, but it was too late.

They took a large sum of money to find Zhang Yu, but at this time Zhang Yu was no longer needed.

I borrowed 300 million yuan before and after, which is enough.

Moreover, after the tens of millions from overseas arrived, it was almost the autumn harvest. At that time, there would be a large amount of tax revenue, and Zhang Yu's economic crisis would be completely over.

Zhang Yu began to formulate a bank plan.

This plan can only be done by him himself, and others don't understand the rules inside.

Simply, what Zhang Yu wants to build is a bank, not a bank, which is relatively simple.

It took a day and a night to work out the plan.

Then Zhang Yu asked Zhang Zhao to find someone.

It is not difficult to find people who run the bank. There are many scholars in Jiangdong, and many of them have a fairly high level of mathematics.

The mathematics taught by Jiangdong Academy is very good.

With talents, plans, and money, it won't take long for a bank to be established.

After several months of busy work, his strength recovered little by little.

The role of Qianzhuang is too great.

Someone deposits money in, and when Zhang Yu has no money, he can directly call a part of it.

In addition, it is more convenient to pay. Zhang Yu needs to purchase a large amount of external goods. When paying, he can directly ask the bank to issue an invoice.

Zhang Yu approached Zhang Zhao and told him about the function and philosophy of the bank.

"Haha, my lord, the role of this bank is too great. If we had had this bank, we would not have a shortage of money." Zhang Zhao said happily after hearing it.

Zhang Yu shook his head and said, "It's not that simple. You have to quickly gather a group of people and let the workshop make a special kind of paper. The paper is made of tropical trees in the southeast region, so that others can't fake it."

To issue a certificate, if ordinary paper is used, it may be counterfeited. After all, the craftsmanship of the ancients is still very powerful.

And to achieve monopoly from the source, as long as others can't make paper, then there is no way.

Zhang Zhao was very happy to prepare.

This is a once-and-for-all approach. With a bank, you will not be afraid of running out of money in the future.

The matter of the bank was settled for the time being, and Zhang Yu began to focus on the military.

According to the plan, it won't take long to cross the river to fight and attack Yuan Shu.

Zhang Yu called several military chiefs to understand the situation.

The number of troops can be fully formed within a month, and the most important thing is training. As long as you train well, you can go to the battlefield.