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Chang'an, West City.

Cui Yingying opened for a long time, and the Zhang family's pawnshop opened. The name of the pawnshop is also simple, Zhang Ji pawnshop.

Zhang Chao changed into a simple white robe early in the morning, and then came to the West Market step by step with the two long entourages of bolts and pillars.

Although there were clear regulations in the imperial court, officials of the fifth rank were not allowed to enter the market. But Zhang Chao didn't care about this, anyway, he didn't wear an official uniform. He didn't ride a horse or a cart, so he walked around the West Market step by step.

The West Market is still very lively, especially after the New Year, if it is unified today, the gold market of the West Market is becoming more and more lively. The most obvious is that the number of stores in the West Market has increased a lot.

In the middle and late period of Emperor Kaihuang of the Sui Dynasty and the early stage of the Great Cause, when Chang'an was at its most prosperous, there were more than 20,000 shops in the West Market at most.

Early in the morning, the West Market was already full of people.

The east and west markets of Chang'an not only supply Chang'an City, but even the surrounding areas of Chang'an, as well as many merchants from all over the world, come to Chang'an to buy goods. Chang'an City is equivalent to a huge cargo distribution center, where local goods from Tiannan and Haibei gather and then flow to all parts of the country.

The Zhang Ji pawnshop is located next to the Zuixian Building, just like the Zhang Ji Bookstore in the East Market.

Originally, the pawnshop should have been opened in the gold and silver shop, but Zhang Chao finally chose next to the Zuixian Building, because this pawnshop is different from the gold and silver shop.

On the left of the drunken immortal building is Zhang Ji pawnshop, and on the right is Zhang Ji Qian Zhuang, one left and one right.

It was still far away from the pawnshop, and Zhang Chao saw from a distance next to the drunken fairy building, there was a tall wooden pole in front of the shop, and an apricot yellow flag was hung on it, with a big black word written on it.

On the walls on both sides of the pawnshop façade, there is also a big dang word.

"San Lang, why doesn't there seem to be anyone?"

Because the pillar is the elder brother of the red line, it has now become Zhang Chao's personal length and follower, and he has become Zhang Chao's second general with the bolt.

The pawnshop is indeed a bit deserted, and there are no people to be seen outside. This is very different from the other businesses of the Zhang family, which of the other businesses of the Zhang family are not customers lining up in front of the door.

"What do you know, the pawnshop industry, but it hasn't been open for three years, and it's been open for three years."

There is a saying that one wine store, two dyeing vats, three pawnshops, and four money villages. Selling wine, opening dyeing houses, pawnshops and money houses are the most profitable business.

Not far from the entrance of Zhang Kee's pawnshop, there is an interstitial door.

Entering the house, inside is a high counter, which is much higher than the general counter, nearly five feet high, and people can only look up when they stand outside the counter.

On the counter, there is also a wooden fence, which is somewhat similar to the window of a bank.

An old clerk wearing a hat sat inside, as if he were in prison.

Zhang Chao and the three of them entered the store, and the person just glanced at it.

Zhang Chao took a look, this store looks not small, with a row of large counters and three clerks behind the fence. There is also a row of benches for pawnbrokers to sit on. There is also a door to the back, which is the VIP room, and if you pawn important items, please go to the back to talk.

There is also the shopkeeper's room in the back, and there is a courtyard in the back, which is the pawnshop's storeroom.

"Hey, this guy doesn't call for business!" The plug is not very happy.

"Pawn shop, that's it." Zhang Chaodao, those who come to pawn are all mortgaged for money, most of them are in a bad situation, if they greet him with a smile, this will definitely make people more and more unhappy. Besides, the pawn is actually a moneylender, and the moneylender is the uncle.

"Bolt, bring the baggage."

Zhang Chao had never been to the pawnshop before, and the people in the pawnshop naturally didn't know him, so he was here today to personally inspect the situation of the pawnshop.

Carrying the burden, Zhang Chao regarded him as a person who came to mortgage the pawn.

"How much can a mink coat cost?" Zhang Chao put a fine mink coat on the counter.

The old clerk in the window took the robe inside, shook it open, looked up and down, and looked carefully. Zhang Chao was also looking at this clerk, and he could see that this person had a very good eye. These guys in the pawnshop are the most important, because there are all kinds of things to be, and the valuation is very important, if you look away and misestimate the price, then the pawnshop will lose money.

The old man looked at it for a moment, then shouted in a long voice.

"Insects eat rats, the bare board is hairless, and the skin is torn!"

Zhang Chao almost laughed when he heard this. Isn't this what I taught Cui Yingying, I didn't expect Cui Yingying to also teach these guys.

The bolt was not happy to hear this, and ran to the counter, if it weren't for the fact that the counter was too high, and there was a fence in the way, maybe he would have to pull the old man's clothes.

"What do you mean worms eat rat bites? Are you blind? It's a fine mink, and it's new, so how can you see that the bare board is hairless? This robe, when I bought it, it cost eighteen times, and I just wore it once! ”

The old man sat behind the counter with a blank face.

"Do you deserve it or not?"

"Inappropriate."

Zhang Chao pulled the bolt and said to the guy with a smile, "When, how can you do it?" ”

"Live, the current period is two months, when five dollars, eight points of interest, two months later, redeem, repay the principal of 5,000, and profit 800. If it is not redeemed at the expiration date, it will be regarded as dead and cannot be redeemed again. ”

"What if I die?"

"Die, Liuguan."

"If I live up, can I renew it when it expires?"

"Yes, if the life expires in two months, it can be renewed within three days, and if it is renewed for two months, the interest will be added one point."

The bolt was still very dissatisfied on the side, "San Lang, we bought this robe for eighteen yuan, and I just wore it once, and it was only five times, which is not cost-effective." ”

Zhang Chao knows the rules of the pawnshop, like this kind of clothing, even if it is very new, but once it is taken into the pawnshop, it must be discounted at the original price of seventy percent, and then sold at the price of forty percent according to this seventy percent.

Eighteen times are folded into seven, that is, twelve times six, and then folded four, which is exactly five thousand and forty dollars, when five times, a very standard discount.

"Dang, live, let's issue a ticket!"

The guy made a deal of business with a smile on his face. Zhang Ji Pawnshop invited them over, and it was already clear that they would have a corresponding commission for every single business. The more orders you make, the more commissions you will get. But at the same time, if they look away and pawn the fake as the real thing, or the worthless one as a high price, they will also be punished.

He could see clearly this robe just now, the real good mink fur, and it was very new, even if such a robe was sold for twenty yuan, someone would want it. He took it in five times, and it was very good. It's a pity that it can't be made into a dead pawn, and the live pawn can only earn interest, and the dead dang is really more profitable.

The old man brought a pen and paper and began to write the pawn ticket.

A leather jacket, followed by the word unreasonable, and the word "moth" was added on one side.

This is also a pawnshop secret that Zhang Chao taught Cui Yingying, adding unreasonable remarks to all pawned fur sweaters, adding extremely light gold to gold jewelry, adding bad copper to silver jewelry, and pearls are called Huangmo medicine beads, and adding the word "no weight".

All antique calligraphy and paintings, regardless of their quality, must be added with the words "stupid" and "bad", and woolen clothes are added with original moth.

The purpose of writing these is that in case there is a loss in the custody of the pawnshop, the pawnshop can clear the responsibility, or at least reduce the amount of the claim.

Although this seems a bit shameless, Zhang Chao believes that this is just a way to avoid risks as a pawnshop's industry guidelines. He even deliberately enshrined Guan Gong as a protective god in the pawnshop, in order to show that the pawnshop attaches importance to etiquette, righteousness, honesty and shame, and abides by professional ethics.

Zhang Chao took the pawn ticket with a smile and looked at it carefully.

This old gentleman's handwriting is good, and his words are very special, the dragon flies and the phoenix dances, ordinary people can't recognize it, this font is also the font of those doctors' prescriptions. Generally speaking, only the doctor in the pharmacy knows it, and most people don't know it. Zhang Kee Pawnshop also uses this font, anyway, to make it understandable to ordinary people.

The clothes were also taken, and the tickets were taken.

But the old man didn't give Zhang Chao money, and he handed out another ticket.

"What is this?"

"Zhuang ticket, the Zhuang ticket of the money village next door, with this bank ticket, you can go to the next door to withdraw 5,000 money, copper coins or silk."

Zhang Chao looked at the banker ticket in his hand, which is not the kind of banker ticket that is paid at sight, but is equivalent to a withdrawal voucher.

In fact, the pawnshop borrowed money from the bank, deposited the money in the bank, and then after the pawn received the things, he directly opened a banker ticket for the pawn's customers, and went to the money bank with the signature and code on the bill, and withdrew money according to the money on the ticket.

It may seem a bit troublesome to do this, but the money from the pawnshop is actually stored in the bank, which increases the circulation. In addition, the cooperation between the pawnshop and the money bank also made the name of the money bank out.

At present, the money of the pawnshop is only deposited in the bank, but in the future, Zhang Chao plans to let the money bank directly print the standard denomination of the bank's bank, and pay the ticket at sight, which is no longer the current need to agree on the mark, seal, signature, etc.

Printing standard fixed denomination of the banker's bills, but also have the ticket to take at sight, for the money bank, it is equivalent to using less cash reserves, can issue more banker bills for circulation, which is also a high-level money grabbing technique.

It's more powerful than using depositors' money to lend money.

Zhang Chao deliberately shook his head with this banker's ticket, "I'm illiterate, who knows what is written on your paper, how can I believe that you can exchange this paper for 5,000 yuan?" ”

The old man didn't expect this person to be brightly dressed, but he was still illiterate, and he secretly despised it in his heart, and then said, "Don't worry about this, we can send a guy to take you to the next door to withdraw money, anyway, it's only a few steps, if you can't get the money, even if you shout on the street, can I still do this voice in the future?" ”

"You see, it's Guan Erye in our store, and I've already talked about the word Xinyi."

Zhang Chao smiled, "Okay, I'll believe you once, you send someone to go to the money bank with me to withdraw money." ”

The old fellow shouted to the back, and a young fellow came over.

"Take this guest to the bank to withdraw the money." (To be continued.) )