Chapter 40: Lang Jun helps

What Chen Fu said is not small, but it is not big. However, more than 300 people poured in, and it was also very crowded. Chen Ying looked at the figures in front of him, bustling. The melancholy between Chen Ying's eyebrows was even stronger, Chen Ying knew very well that even if there were more than 300 talents who came to apply in front of him, there were definitely few who came for him Chen Ying's name, and almost all of them pressed the hope in their hearts on Hou Mo Chen.

This is the appeal of Hou Mo Chen, a gate valve that has long been on the edge. Chen Ying was stunned in his heart, and he wanted to be happy.

Xu Jingzong looked at Chen Ying and seemed to be still dissatisfied with accepting the favor of Hou Mo Chen's Qian Society, pulled Chen Ying aside, and patiently explained: "Hou Mo Chen's family is the door valve, even if the strength is not as good as before, but the influence can not be ignored. ”

Although Chen Ying was very unhappy in his heart, Xu Jingzong said that it was indeed the truth, and it was an irrefutable fact. Chen Ying secretly thought that only by setting up the shelves of the money bank first, using the profits of the money bank, and then cultivating talents by himself. Chen Ying held Ma Zhou's famous thorn, and his heart was full of thoughts.

Ma Zhou, the word bin king. The Zhongshu Shizhong (both Zhongshu Ling) and the official department of the Taizong Dynasty was one of the true prime ministers. Whether it is Li Shimin, Cen Wenwen, or Yuan Tiangang, they all speak highly of him.

Chen Ying decided to meet this Ma Zhou first to see if he was the prime minister of the later generations of the Tang Dynasty.

After a while, Ma Zhou heard the voice. Chen Ying looked at Ma Zhou carefully, Ma Zhou is now weak and weak, his body bones are not very strong, and he is even a little thin, his face is thin and white, but his eyes are bright, black and bright. Ma Zhou bowed and saluted: "Ma Zhou greets the young gentleman!" ”

Chen Ying paid attention to Ma Zhou's way of giving gifts, and found that what Ma Zhou was doing at the moment was the courtesy of the minister.

Chen Ying was secretly surprised.

In fact, Chen Ying didn't know that Ma Zhou's family was poor and he became an orphan when he was young, but he liked to learn. Qinghe was originally the county of the Cui family, and the young Ma Zhou rode on the wall to eavesdrop on the Cui clan's lectures, which was ridiculed by the Cui family's children, and fought with the Cui family's children in anger. Cui's children relied on many people, and Ma Zhou was beaten and bruised all over his body.

This year, Ma Zhou was eleven years old, and Ma Zhou met Yu Qing, a noble man in his life. Yu Qing gave him the Five Classics and 3,000 yuan, and invited Cui Daoru, a disciple of Cui's side branches, to teach Ma Zhou to study. Ma Zhou was a person who knew how to repay his kindness, and he knew that the person who secretly funded him was the Hou Mo Chen Qian Society of the Mo Mo Chen clan.

During the Wude years, he was appointed as a teaching assistant in Bozhou, drank alcohol every day, and did not take the lecture seriously. Assassin Shi Shi Xi Shu reprimanded many times, Ma Zhou resigned angrily, wandered between Cao and Bian, and was insulted by Junyi Ling Cui Xianshou, so he traveled west to Chang'an in anger. Staying in the hotel in Xinfeng, the shopkeeper only entertained the vendors and did not take care of Ma Zhou, so Ma Zhou asked for a bucket of eight liters of wine and drank it leisurely, and the shopkeeper was deeply surprised. Seeing that Ma Zhou had no money, the shopkeeper told Ma Zhou that Chen Ying was recruiting talents and forming a money bank.

However, Ma Zhou was unwilling to work for Shangjia and was unmoved. Later, Yu Qing personally found him and asked him to work for Chen Ying.

Only then did Ma Zhou understand that Chen Ying was the younger brother of Hou Mo Chen Qianhui.

At the same time that Chen Ying was looking at Ma Zhou, Ma Zhou was also looking at this Hou Mo Chen Ying.

Ma Zhou was sponsored by the Hou Mo Chen clan, and he was the protégé of the Hou Mo Chen clan. In fact, there are still a lot of people who Hou Mo Chen has funded like Ma Zhou, and Ma Zhou is just one of them.

Of course, it's also because of the limited time. If Chen Ying could give Hou Mo Chen Qian time, let alone three hundred people, even if there were three thousand people, he could find them.

Chen Ying could see through Ma Zhou's gift to him that this must be a disciple of the Hou Mo Chen family. Chen Ying was slightly stunned and followed

He told Ma Zhou about the banking system in the name of the bank, from the profit of the bank to the benefit of the people and the country...... Chen Ying looked at Ma Zhou more and more confused, and then suddenly realized.

Banks in later generations are closely related to people's lives, and even those who have never worked in the banking system will know more or less about the banking process. Ma Zhou is a poor man, he has never dealt with Qian Zhuang himself, and he does not understand what Chen Ying said about money deriving money, Xu Jingzong followed Chen Ying throughout the process to formulate the banking system, and he was also a little confused.

Chen Ying sighed, and said to Gao Wenjin, who was waiting outside the door: "You go and get some money, and I'll show you a demonstration." ”

After a while, Gao Wenjin was holding a tray with six large silver ingots weighing fifty taels in the tray. Chen Ying placed the six silver ingots on the four corners of the table and introduced them to Xu Jingzong and Ma Zhou: "This represents Beiping Qianzhuang, Luoyang Qianzhuang, Chengdu Qianzhuang and Jiangdu Qianzhuang. ”

Ma Zhou, Xu Jingzong, and Gao Wenjin nodded.

Chen Ying and I took 100,000 yuan and deposited it in Chang'an Qianzhuang, saying that Chen Ying put the two ingots of silver in his hand in the middle of the table.

"I want to take the money to Chengdu into Shujin, from Chang'an to Chengdu 1,500 miles, if it is transported from Chang'an to Chengdu with 100,000 yuan, it will take at least forty or fifty days, 100,000 guan weighs 700,000 catties, at least more than 300 two big cars, each car needs two porters, this is more than 700 people, and escort personnel are also needed, if you want to ensure the safety of the convoy, you need at least 15,000 to 2,000 troops, a team of nearly 3,000 people, people eat horses and chew for nearly two months, and the money village collects two percent of the profit is not much, right?"

"The people are not allowed to trade gold and silver, so they can only use copper coins, and the huge amount of money is indeed not easy to carry, and it is reasonable to collect two percent of the profits on a thousand and five miles." Ma Zhou suddenly realized: "The money is deposited in Chang'an for 100,000 yuan, and 80,000 yuan is taken out in Chengdu, and the 20,000 yuan is the gross profit of the money village?" ”

Chen Ying nodded and said: "Correct solution, businessmen in Chengdu to purchase Shu brocade, found that the money is not enough, the price of Shu brocade is seventy percent cheaper than Chang'an, he feels profitable, wants to enter a little more at one time, but there is no cash in his hand, at this time, he can find a familiar businessman as a guarantee, take a sufficient price of the property pledge, can borrow 200,000 yuan, bring Shu brocade from Chengdu to Chang'an to sell, in addition to the need to repay the capital of 200,000 guan, also need to repay 40,000 guan interest, plus the service fee from Chengdu to Chang'an, We can make a gross profit of 80,000 yuan......"

Xu Jingzong said: "The dynasty is based on agriculture, which encourages industry and commerce, and it is inevitable to put the cart before the horse. ”

Chen Ying smiled and said, "How can you put the cart before the horse?" In the event of natural and man-made disasters, the peasants cannot survive, they have no farming tools and seeds, and they do not want to sell their land, so they can completely ask us for a loan, and the peasants can take out loans to buy seeds and farming tools, and after the harvest, they will pay back the money. This is only the most basic way to make money, as long as the money banks around the country can keep a large amount of money in their hands, such a means of making money will continue to flow. ”

Ma Zhou was puzzled: "Qian Zhuang grabbed the money, it's really fast!" ”

The bank's accounts are to be double-entry, if a sum of money from Chang'an to Chengdu is going, the money from Chengdu is to go, this back and forth, will produce multiple profits, just when the money is on the road of fantasy, he has a loan interest rate, there are exchanges, so according to the Tang Dynasty's bookkeeping method is very inappropriate.

Chen Ying introduced the bank's process and operation to Ma Zhou, when there was a panicked sound of running outside the door.

Chen Ying was secretly surprised, Hou Mo Chen Qian would leave him sixteen warriors, these sixteen warriors are all good, they are guarding outside, it is said that no one can come in. Chen Ying frowned slightly, his face full of displeasure.

At this moment, a pretty maid in a turquoise skirt came straight to Chen Ying and said, "Lang Jun, help!" ”

Hearing this, Chen Ying was even more puzzled.