The sun was setting, and there were fewer pedestrians coming and going on the streets. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 info Xu Ping stood up and said to Wang Yaochen: "Let's go to the front and take a walk, and we all say that since the cotton cloth is on the market, the whole Luoyang City is like crazy." Even the people in my yamen said that it is easy to make money in Luoyang City now, even if you stand on the street, copper coins will fall from the sky and hit your head. ”

Wang Yaochen said with a smile: "Although this is exaggerated, it is not too outrageous. If it is judged from the outside of the city, there are not many people in Xijing City, even if they only have the strength to pick up grass, they can make money. Don't hide it, Henan Prefecture now collects more commercial taxes in half a month than last year. It's just that a lot of it is in the accounts of the bank, and I don't have any cash in my hand. On the contrary, it was a flying ticket brought by a merchant from the military from other states, and I wanted to exchange it, and I still owed money to Henan Mansion! ”

Speaking of this, Wang Yaochen spread his hands helplessly and shook his head again and again.

Qianzhuang is a new thing, and what is hanging in the account there is still habitually not regarded as ready-made property in the hearts of Wang Yaochen and others. He tossed and turned, and there was a lot of flying tickets left in Henan Mansion, and all the money went into the bank, so he felt a little unwilling. In the future, paper money will be issued, and most of the wealth will be hung on the bank's account, and all will be printed as money and sent out, and prices will rise to the sky.

Xu Ping smiled as he walked: "Don't keep staring at Qianzhuang, look at which state troops sent the tickets in your hand, and list them one by one." When you're fine, send a letter to those state soldiers and tell them that they owe you money! You are now the largest creditor in the world, and you need to have the prestige of a creditor. ”

"Majestic? I'm afraid that the third division will check off the account of the flight ticket when the time comes, where will I find to reason then? ”

Hearing this, Xu Ping turned around and said, "Boyong, this is not just a casual talk. In the past, the tickets of the state armies were not large, because the copper coins were inconvenient to transport, and the three divisions checked the accounts. Now it's different, the amount of tickets in your hand is large, not to mention, it is the blood and sweat earned by the camp and field affairs and various field affairs, and you can't write it off out of thin air. If the three divisions are ticked off, Henan Mansion should have enough money and food to rely on cotton cloth, and its political achievements will be brilliant, and it will suddenly become a debt, and you won't be able to explain it to your subordinates! ”

Wang Yaochen sighed: "I know, not only can't I explain to my subordinates, but I can't explain the entire Jingxi Road." Aren't I worried, the amount is so large, where can the three divisions find so much cash to make up? ”

"Then Chen Zhaoyu has a headache, we magistrates, where can we manage so much!"

Chen Zhizhong took over the three envoys, and Kaifeng Mansion has the foundation left by Xu Ping, and the central government should be very rich, but how to deal with this account in Henan Mansion is a great test for him. In Xu Ping's view, the easiest way now is to set up a central bank to settle through the banking system and straighten out the country's financial system. If it is still the same as before, the rules and regulations are allocated according to the book, and even if all the copper coins from the inner treasury are allocated to Henan Mansion next year, it will be far from filling the hole.

Generally speaking, there is no copper money exchange between states, and the tickets are not settled between states, but according to the number of tickets issued, together with other taxes and other items, the copper coins are sent to the Beijing Division, and the three divisions are unified for settlement. Coupled with the newly minted copper coins that come out of the treasury every year, the three divisions can roughly ensure the balance of cash in the country. However, this year, the cotton cloth in Henan Province suddenly went on a large scale, and the value of the money is likely to exceed the country's two tax revenues, and the old liquidation system will be overwhelmed.

Banking and finance emerged in response to the needs of the commodity economy, and when the commodity economy developed, the banking system would inevitably come into being. Because of the specific conditions and people's understanding, the face may be different, but the basic function is inevitable. On the other hand, if the commodity economy does not develop to that point, the forced creation of banks will only be a flash in the pan and will not play a role.

Not to mention the bank, it is the money bank set up by Xu Ping at the beginning, without the stimulation of the sudden outbreak of cotton cloth, and when Xu Ping leaves, people will die. Without him, there is no strong demand in society, that is, superfluous, and superfluous things cannot last.

This year, cotton cloth marketing in all directions, accompanied by the flow of a large amount of capital in the country, this flow requires banks must appear, without the appearance of the next year's cotton cloth trade can not continue. Xu Ping is also very curious, with the insight of officials in this era, what kind of solutions they will propose in order to solve this problem. Is it the original bank? Or what kind of monster?

After walking a short distance, I saw a tall lookout on the side of the road in front of me, embroidered with exquisite patterns, and four big characters were written in the middle, "Longmen Clothing". It is the shop opened by Sister Tang, Second Sister-in-law Qin, and Third Sister You, which should now be called a garment company, and "Longmen Garment" has become their trademark.

Xu Ping said to Wang Yaochen: "This is the first company to borrow money from Qianzhuang to expand the scale of operation, and I don't know if it has lost or earned so far, let's go over and take a look." They have done a good job and are an example, and in the future, the money bank's lending business will be very good. ”

As he spoke, he went to the shop with Wang Yaochen.

A small guy in front of the door didn't know Xu Ping and Wang Yaochen, so he hurriedly stepped forward to greet him: "The guest wants to make cotton clothes?" Wear it yourself? ”

Xu Ping waved his hand: "You can go on your own, let's take a look." ”

Although both of them were wearing civilian clothes, that kind of temperament was still there, plus Tan Hu's guards who followed behind, the little guy could see that he was not an ordinary person. muttered in my heart, and obediently went to the side to busy myself.

When I entered the shop, there was a kerosene lamp lit inside, and it was as bright as day. At this time, there were still a few customers there to measure the size of the people in the shop, and business was indeed booming. However, the most conspicuous thing is the row of ready-to-wear clothes in front of you, as long as you are not particularly particular, you can pick one from here and wear it on your body, which is much cheaper than sewing by a special tailor.

I casually turned around and looked around, and when I got to the counter, I saw a woman in her fifties standing in the corner next to me, wearing a colorful cotton dress, and eagerly negotiating the price with a woman in her thirties in front of her.

The older woman said: "Second sister-in-law, more and more cotton cloth has been sold recently, the price has dropped, and the business is not good!" It's good or bad, you drop it again, and I will go home to my grandson and give fruit to eat, which is also good. ”

The young woman said: "Mother Gu, we are not a one-person business here, and it is not easy to make decisions casually. The price has already been set, and if you want to take it, you can take it, and the price is not easy to say. ”

With the development of commerce, many women have participated in the tide of business, and it is already common for everyone to show up. Xu Ping and Wang Yaochen saw that the woman was not going to buy clothes, so they were curious for a while, and stood there to watch the two women negotiate the price.

A female envoy who was watching the ready-to-wear next to her saw it, pursed her lips, and whispered: "That ancient mother, I don't know how much money I made by relying on our shop, and every time I think about taking a small advantage, I am really ashamed!" Qin's second sister-in-law is an honest person, how can she talk about her? ”

Xu Ping couldn't help asking, "What does she mean?" ”

"Cloth heads! There are always a lot of rags to cut in the shop, and she takes them back and sells them to make a lot of money! ”