Banks!

Cao Yuechan actually wants to transform into a money bank!

It is said that the interlaced compartment mountain, the industry of Xiao Niangpi is really far enough.

Of course, the business of money is not uncommon in this era, in the Spring and Autumn Period and the Warring States Period, the prototype of Qian Zhuang appeared, and it has developed rapidly in the Tang and Song dynasties, and has reached the peak of prosperity in the Ming and Qing dynasties. Now in the second year of Tang Yongchang, not counting the five counties under the jurisdiction of Quanzhou Prefecture, in Qingyuan County alone, there are several private money banks. However, most of the money banks on the market in the Tang Dynasty were mainly pawn pledges, and only a small number of powerful big money banks were engaged in business such as interest collection and interest exchange.

As the name suggests, the money in the hands of the wealthy people or merchants is sucked in at low interest, and then the money is lent to businessmen or powerful families who need money at high interest. Low-interest savings and high-interest loans, one absorption and one release, earning huge profits in the middle. This is the main means of revenue for big money banks. Moreover, the people of this era do not know how to invest and manage their finances, rather than burying the silver money in the ground and hiding, they prefer to deposit the idle silver money in the powerful big money bank, which is not only safe, but also can make money to get a certain rate of return. Therefore, the current big money village is quite popular with the people in absorbing and saving.

As for the exchange business, it is another means of revenue for the bank. In ancient times, copper coins have always been the main currency in circulation on the market, especially at the beginning of Li Tang, Tang Gaozu scrapped five baht coins and minted "Kaiyuan Tongbao" copper coins, all dynasties began to use the word Tongbao coinage, and crowned with the year name in front of the word Tongbao. Later Liang has "Kaiping Tongbao", Southern Tang has "Tang Tongbao", Northern Song Dynasty has "Taiping Tongbao", Liao has "Chongxi Tongbao", Jin has "Dading Tongbao", Yuan Dynasty has "Zhizheng Tongbao", Ming Dynasty has "Hongwu Tongbao", Qing Dynasty has "Kangxi Tongbao".

Since then, Tongbao copper coins have become the most mainstream circulating currency in the market.

However, copper coins also have their shortcomings, that is, small purchases and small sales are acceptable, but when it comes to large transactions, it exposes its inherent shortcomings. For example, ten Kaiyuan Tongbao copper coins weigh one tael, and the copper coin has always been a thousand copper coins, weighing one hundred taels, which is not easy to carry, and it is not enough security. At this time, the only way to convert the rare circulating currency, gold and silver, with copper coins.

Usually, the money (1,000 pieces) can be exchanged for one tael of silver, which is not only convenient and safe to carry, but also brings convenience to those merchants who trade in large quantities.

In the same way, it is impossible for someone to take a tael of silver to eat in the restaurant, with the strong purchasing power of Kaiyuan Tongbao today, after a meal, if the guest uses a silver ingots to settle, the shopkeeper can be tossed and cried when checking out the change.

Therefore, in this case, the exchange business of the money bank came into being.

Qian Zhuang uses its strong reserve capacity to provide customers with silver money exchange, not only can see the rare circulation of silver in the market to exchange for more convenient consumption of Kaiyuan Tongbao copper coins, but also a large string of large strings, baskets of baskets of Kaiyuan Tongbao copper coins into a number of pairs of easy-to-carry ingot silver, and the money only charges a certain handling fee and the difference in the current price.

However, the latter two kinds of business can only be done by strong big money banks.

In Qingyuan County, he has seen one such big money village, which is Tianshun Money Village in the east of the city. The owner of this money village is surnamed Wu, and it is a scholarly family that has been inherited for several generations in Qingyuan County, not to mention hundreds of acres of fertile land, and there are several cloth villages and rice grain stores in the city. The most important thing is that the head of the Wu family is still a cousin of Hu Zeyi, the current commander of Qingyuan County, and Hu Zeyi has to call him a cousin in terms of seniority! Moreover, the only official usury money lender in Qingyuan County, Shi Wu Gongyi, who caught money, was the nephew of the head of the Wu family!

The Wu family has been inherited in Qingyuan County for a hundred years, the clan is huge and flourishing, coupled with the relationship between the county commander Hu Zeyi, not to mention the ordinary big families, they are the people in the county government, and they don't do it easily. Therefore, the Wu family's Tianshun money bank basically monopolized the money bank business in the entire Qingyuan County.

……

However, what really impressed Cui Geng with Cao Yuechan was that on this piece of paper full of flyy letters, she actually wanted to take the remote exchange business as the most important business in the money bank she was about to establish, and the most important customer group she wanted to locate was actually the buyers and sellers who came and went from the south to the north to do business.

What is non-local exchange business?

If the two basic businesses of the bank in the future world are taken out separately, deposits and loans belong to one, and the other basic business is transfer and remittance.

The transfer and remittance of later generations is similar to the ancient remote exchange and settlement.

But Cui Geng clearly understood from that absurd dream that in the next few decades, there will be a non-local exchange business in the Tang Dynasty, that is, it is inconvenient for businessmen to go out to do business and bring a large amount of copper coins, so they first go to the official to issue a voucher, which records the number of places and coins, and then go to other places to withdraw money and purchase goods with the voucher, which is the "flying money" recorded in history. However, because the imperial court invested sufficient financial, material and human resources, in the end, this flying money was almost not popularized. On the contrary, it is a private money bank, which has become popular in a small area, but it has not made much noise.

In the real sense, the business of non-local exchange should have appeared in the middle of the Ming Dynasty, when silver was publicly used as the main circulating currency. But there is a difference of seven or eight hundred years. This kind of advanced banking business is now in the hands of a weak female streamer, how can it not make Cui Geng dumbfounded?

Non-local remittance, with the function of non-local remittance and withdrawal. With the money order of a certain silver number, the guest can get his silver on the semicolon of the silver number wherever he goes. Even business transactions in different places can be settled by bills of exchange. This settlement method not only increases the safety of long-distance transportation of silver taels, but also greatly improves the convenience, and is popular with business travelers from the south to the north.

During the Qing Dynasty, the well-known Shanxi ticket number blossomed all over the country, connecting the world, and even indirectly affecting the financial artery of the Qing Dynasty.

……

Cui Geng looked at the pages full of small letters, and under the stimulation of Cao Yuechan's new idea, one whimsical idea after another appeared in his mind, and even thought of what he saw in his dream - silver tickets!

Yes, that's right, it's a silver ticket!

In that big dream, the Qing Dynasty, ruled by aliens, had replaced gold, silver and copper coins with silver stamps and became the mainstream currency. The silver ticket of the Qing Dynasty is well-known in the world

If Cao Yuechan's silver number becomes the largest silver number in the world in the future, even exceeding the treasury of the Tang Dynasty and the credibility of the imperial court, then ...... Is it possible to make the silver ticket, a cross-era product, completely circulate in the Tang Empire in advance?

At that time, Yinhao won the trust and reliance of the imperial court with its rich financial strength and credibility, issued silver bills for the Tang Dynasty, and became the central bank of the Tang Empire...... Oh my God, this is really the artery of the Tang Empire!

As I heard in my dream, 80% of the wealth in this world is in the hands of 20% of the people, and 80% of the 20% of the people are cunning bankers! Whether it's inflation or deflation, it's always the bankers who hide in the dark, smoking cigars and drinking red wine.

The more he thought about it, the more rapid Cui Geng's breathing became, and the ambition that was lurking in his heart became more and more impulsive......

Suddenly, he raised his head suddenly, and looked at Cao Yuechan with a little red in his eyes, like an ancient beast staring at a poor and innocent little white rabbit, wanting to swallow the other party into his stomach.

Suddenly, no matter how shrewd and strong Cao Yuechan was, she was just a woman, she subconsciously took two steps back in shock, hugged her arms to her chest and asked in a slightly trembling voice: "Cui... Cui Erlang, what do you want to do? ”

"Miss Yuechan, the request on your paper says that from now on, all the silver obtained from the sale of Mulan Spring Wine in various parts of the Tang Dynasty must be deposited in your Cao family's bank?" Cui Gengzi consulted.

"Well," Cao Yuechan bowed slightly, and said, "We won't take advantage of your Cui family, but if we deposit any silver into the bank, we will be higher than the Wu family's Tianshun bank." Moreover, the money you paid for in various places is always shipped back to Qingyuan County, right? When the time comes, the semicolon of our Cao's money bank will undertake your silver money exchange in various places for free, firstly, you will save the cost of transportation, and secondly, your silver will be a little more safe and secure, isn't it? After all, it's you who earned it! ”

"Hehe, what a trick to borrow chickens to lay eggs, borrow strength to make force!"

Cui Geng raised his eyebrows, pursed his lips and smiled: "Once Mulan Spring Wine is sold all over the world, do you know how much cash is in this monthly flow?" That's a terrifying number! ”

Cao Yuechan was cautious by Cui Geng's words, but she didn't flinch at all, and replied: "Cui Shaodong's family is too confident, right?" Isn't this Mulan spring wine still not available to the north and south? It's too early to talk about this, right? ”

"Mulan spring wine is popular in the Tang Dynasty, and the goods are connected to the north and south, this is a matter of time!"

Cui Geng stroked his palms confidently and said, "But your Cao family's heritage, is it capable of connecting the world?" ”

Being treated with such naked contempt by Cui Geng, Cao Yuechan's cheeks turned a little red, and she struggled her neck and replied: "Whether our Cao family has the background and ability, don't worry about Cui Shaodong's family." It's you, oh, let's deal with the fake wine crisis in front of you first! ”

"Okay, I promise you!" Cui Geng's attitude suddenly changed one hundred and eighty degrees, and he flicked the paper on the table back lightly and floated it to Cao Yuechan.

"Huh?"

Cao Yuechan was also confused by him so suddenly, and asked with some doubts: "So, Cui Shaodong's family agreed?" ”

"Well, I agreed! From now on, the money sold by Mulan Spring Wine, no matter how much, except for expenses and needs, will be deposited into your bank every month! ”

Speaking of this, Cui Geng raised the corners of his mouth, gently touched his nose with his hand, and said with a smile: "And in order to help your Cao family successfully build semicolons in various places and truly connect the world, I... Cui Genghui will officially invest in your money bank! ”

"What? Do you want to take a stake? ”

Cao Yuechan stared at the boss with a pair of beautiful eyes, and shook her head again and again to refuse at the first time: "No, no!" ”

Cui Geng continued: "Not only to buy shares, but also to occupy a large share. Three months later, I gave 80% of the money, accounting for 60% of the bank's shares! This money will be injected into ...... over the course of a year."

"Sixty percent of the big shares? This... This is even worse! Cao Yuechan's refusal was even stronger.

Cui Geng ignored her refusal, but said to himself: "After the establishment of Qianzhuang, Cui only has the right to suggest, and Miss Yuechan has the final say on all matters in Qianzhuang!" ”

"No... I disagree! Cao Yuechan continued to refuse.

"In the entire Qingyuan County, no one understands Miss Yuechan's vision of Qianzhuang better than me!" Cui Geng continued.

"Sixty percent of the shares are in your hands, don't you have the exclusive right to speak? Miss Ben can't believe you! ”

"In the entire Qingyuan County, who else can be willing to offend the Wu family of Tianshun Qianzhuang and cooperate with Miss Yuechan?"

"Miss Ben doesn't believe it!"

"Three months later, or even six months later, who in the entire Qingyuan County will have cash in circulation, which can compare to our Cui's Distillery?"

"Don't be ashamed!"

"If you open a money bank on your own, hehe, the first one to deal with your Cao family is the Wu family of Tianshun Money Bank! The Wu family is rich in Qingyuan County, and there is Hu County's order standing behind them, are you confident that the Cao family can handle it? ”

“……”

"Don't forget, there is Dong Xiancheng standing behind me, and because of Dong Xiancheng's relationship, I have completely offended Hu Xianling!"

"Well deserved!"

"Also, once our Cui family's Mulan Spring Wine is selected as the royal tribute wine, the meaning behind this, Miss Yuechan won't not understand, right?"

"Miss Ben doesn't understand, it's your Cui family's business whether you can be elected or not, and it has nothing to do with Miss Ben!" This is clearly angry talk.

"Finally, I will say again, you and I are two families, and the two families will benefit both, as for the disagreement, there is no loss to me, and it is a big deal to continue to make my Mulan Spring Wine! As for your Cao family, as well as Miss Yuechan, you really think you can carry it when you can't support it alone? “

“……”

Silent!

Cao Yuechan refused strongly from the beginning, then hesitated, and in the end, she was completely silent and speechless for a long time!

Syllable!

Suddenly, she slapped the second piece of paper in her hand on the table, and said coldly: "This paper has all the detailed information about Mulan's spring fake wine!" “

With that, he picked up the abacus and account book on the table and went straight out of the private room, grabbed the door and left.

Rise?

Cui Geng was stunned for a moment, and was a little stunned, wondering, what do you mean? Did you finally agree or didn't you agree?

He hurriedly ran to the door, and shouted at the position of the staircase to Cao Yuechan's back as she slowly went downstairs: "Miss Yuechan, what is the matter with this money bank?" ”

"Hehe, Cui Shaodong, you solve the crisis in front of you first, and then come and talk to the little girl!"

The voice fell, and the voice of Tang Fuguo, the shopkeeper of the Drunken Immortal Building, and Cao Yuechan greeting came downstairs, as if Cao Yuechan had already gone out and left.

Cui Geng touched his nose with his hand, pondered the meaning of Cao Yuechan's words for a while, and suddenly stroked his palm lightly, smiled with his eyebrows, and said happily: "Dare to love, is this a loose consent?" ”

This article is from Reading Book King Novels