Seeing the crowds in the mall, Chen Xu said: "Sure enough, there are many more people here today than usual." Most of the people who saw it went out with packages of tea, salt and sugar, and many people really exchanged the money in their hands for these goods. ”

Du Zhongxiao said: "We will send money, or we will all be in the mall in a few days." As long as the flow is fast and the recovery is timely, the credit of the money will be stabilized. The Shuaifu will send money, and you Changping Division will collect money, so that it will be convenient for the people. ”

Chen Xu said: "Qian Yin is not a copper coin, it can't be stored in the treasury, and it can't be sent to the capital, what's the use of Chang Pingsi keeping it in his hands?" I have instructed the mall to deposit the money and copper coins received today in the savings bank at the end of the day, with some interest for the good or the bad. ”

When you get to the savings house, you will be under the degree branch. As long as the Changping Division reports the amount of income to the imperial court, a stroke on the account of the Household Department means that it enters the treasury. As for how to settle accounts in various parts of the country, the reserves of savings offices in various places, and other matters, they are the affairs of the Degree Branch Division, and have nothing to do with the Household Division.

The mall is especially lively today. After receiving the money, ordinary households came to buy goods that they were reluctant to buy before, and the remaining money was exchanged for rice and stored at home. For the poor, having rice guarantees that they will not starve to death, and the rest is relatively unimportant. The family is a little wealthier, and then buy some necessities for life, such as tea and salt. Those who live a good life will buy some sugar and other materials to store, even if they don't need it for a while, they can also be entertained in the future.

As they spoke, they went to the place where the sugar was sold. All kinds of sweets, preserves, and pastries are sold here. Money is not favored, the business here is much more popular than usual, and there are many ordinary people who come to buy some to relieve their cravings.

Du Zhongxiao was about to ask someone from the mall to ask how the business was today, when he suddenly saw Jin San there.

Jin San also noticed Du Zhongxiao and his party, where they were standing, seeing Du Zhongxiao looking at him, he hesitated, and stepped forward to arch his hand: "Xiaomin Jin San has seen Jieshuai." The festival commander came suddenly, and he didn't have time to avoid it for a while, so don't blame it! ”

Du Zhongxiao said: "When we come to check people's livelihood, we don't need to avoid it. What do you want to buy here? ”

Jin San said: "Don't hide it, Xiaomin has lived in Shengzhou for a few days and has taken a fancy to this sugar business. However, the pleadings had just been handed in, and the caravan would not arrive until a month or two later. Yesterday, the city began to use money, and today the price of sugar will rise, how can this be good? ”

Du Zhongxiao was stunned for a moment, only to understand that Jin San wanted to sell sugar to the Western Regions. Although sugar is relatively heavy, it is expensive and can be trafficked on a large scale. The more grasslands and deserts these places that do not produce sugar, the more they love sugar, and this is the case in the Western Regions. Sugar is rare there, and there is no prevailing price now. However, there are many candied fruits and bees, and the price is several times higher than that in the Central Plains. In fact, the price of commercial sugar in the mall did not rise today, Jin San saw that the shop outside had risen, so he hurriedly came over to see it, and wanted to buy more and save it.

Jin San wants to do this business, he doesn't want his caravan to arrive, and the price has risen first, how can he not be in a hurry? What he is afraid of is that the government's money will attract more and more, the price will rise all the way, and the shopping mall will not lose money, and it will inevitably rise. When their caravan comes, the profit is not high.

Du Zhongxiao thought for a while and said: "Outside the staff, in the business field, the price is sometimes high and sometimes low, which is very common. Why rush? ”

Jin Sandao: "Don't hide the handsomeness, the small ones are doing a large business, and the price has risen, and there is a lot of money!" There is still money to be made at the current price, but I am afraid that after two months, the price will rise all the way, and then this business will not be able to be done! ”

Seeing Jin San's anxious appearance, Du Zhongxiao wanted to laugh a little. forcibly held back and said, "Since the staff thinks so, why not buy more at this time and save it." Sand grain is not afraid of decay, and it is common to put it for a few years. ”

Jin San spread his hands: "The caravan has not yet arrived, where is there a lot of cash in the hands of the small one?" If you have money, buy it! ”

Du Zhongxiao looked at Chen Xu on the side, and said in a deep voice: "It seems that a big businessman like a foreigner should not be ignored locally, and he should help a gang." In this way, although there is no cash outside the staff, there are still some valuable things in the end. You can go to the savings bank and take out some money. If it is not enough, you can use the sugar you buy as collateral to borrow money from the savings house. It's just that before the money is repaid, these collaterals will be taken care of by the savings office, and the money will be returned together at that time. ”

Jin San was overjoyed when he heard this: "There is still such a thing? Don't tease me! ”

Du Zhongxiao said with a smile: "The savings house collects the people's money, and it is stored in it, and there is some interest. Where does this interest come from? Of course, it relies on lending to the outside world and making money with the interest difference between loans and deposits. As long as you confirm that you can afford it, you can borrow money, not to mention having collateral. If you are outside Shengzhou, you will inevitably be a big merchant in the future, and you will need your help in the savings bank. ”

Jin San asked the rules in detail, rubbed his hands happily, and said to Du Zhongxiao: "Thank you for your advice." If you have a piece of paper, that's even better. ”

Du Zhongxiao said: "Why bother with paper. Benzhou Chen signed the judgment, go with you and get this matter done. If you do this well, you can go to the savings bank to borrow money in the future. ”

After speaking, he instructed Chen Xiliang to go to the savings bank with Jin San and help him get a loan. Physical mortgage, considering the risk, it is impossible to loan 10,000 yuan of cash for 10,000 yuan of goods, and it is necessary to make a discount. This discount was made up by Jin San, and in addition to a big man like him, he always carried a lot of gold, silver and jewelry with him.

Watching Jin San and Chen Xiliang leave, Chen Xu whispered: "Jieshuai Shicai said that the price of sugar will be greatly reduced later, but let Jin Yuanwai buy sugar at this time, isn't it a trick for him?" However, these Hu businessmen only recognize money in their eyes, and it is good to pit it. ”

Du Zhongxiao shook his head with a smile: "Lift, I really didn't cheat him." His caravan would arrive in two months, and the price of sugar would not necessarily fall at that time. Moreover, doing business is inherently risky, and stockpiling goods requires the awareness of losing money. Jin San is a big merchant, and he rented a shop for Hu merchants from the Western Regions to settle down. When his business starts, there will be many times when he borrows money in the future to attract a customer for the savings office. The money in the shopping mall knows that there is a savings office, and there is some interest, and the savings office does not lend money out, where does the interest paid come from? ‘

Chen Xu nodded. It turned out that Du Zhongxiao didn't want to trick people, but just recommended the business of the savings bank. Come to think of it, two months is too short, and the price of sugar at that time may not fall, and Jin San may not lose money.

Du Zhongxiao said again: "Actually, in Tanglong Town before, doing business was much more ruthless than this. For things like today, there is no need to borrow money in Tanglong Town, where it is called futures. For example, if Jin San recognizes the price increase after two months, he can pay a deposit to book the goods two months later. The price is the current price, and the goods are two months old, and the price has risen to make money, and the price has fallen to lose money.

When Tanglong Town was built, because it was located in a border area, it deliberately increased the risk in commercial activities and made money from Khitan and party items. Shengzhou is different from Tanglong Town, it is the center of Hequ Road, and it is the gate of the Central Plains, so you can't do that. What's more, now the entire trade route is controlled by Hequ Road, and the most important thing is to stabilize and make commerce prosperous.

Hequ Road not only prints money, but also collects money in shopping malls and savings houses, and there are so many ways to make money that there is no need to use that kind of means. What is really important to the imperial court is the materials that are brought in, as well as hard currency such as gold and silver, and sell their own goods.

After taking a turn in the mall, Du Zhongxiao said to Chen Xu: "The money is triggered, and it is quickly recovered from the mall, stores and other places, and the circulation speed is too fast." These days, the state government hires more people and tries to send out as much money as possible. If you are used to it, people will naturally not spend it as soon as they get it. As long as they are willing to put the excess money in the savings bank, the money will be introduced. ”

Hequ Road could not use taxes to guarantee the credit of money, so it had to use a savings bank. Savings can be convenient for saving money and withdrawing money, as well as interest, which has been recognized by the people, and they are not afraid that money will be worthless.

The turmoil caused by money is just a turmoil in people's hearts, and the government is well prepared, and it will not cause chaos. The shopping mall has enough reserves to ensure that the materials are sufficient, and the prices are locked, and there is no basis for chaos. The meandering road is simpler than other places, and here it is now under the control of the military, and the civil power is insignificant.