The little guy picked up the big bowl and was about to walk into the shop, when two characters dressed in ayara came up, and the little guy hurriedly put the bowl down and saluted. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

The one in front pointed to the two people who left and said, "Brother Xiaoyi, what are those two people, why do they look so arrogant?" ”

Xiao Yi laughed out loud: "Director Peng, you see them pretending, where are the big guys in fact?" It's just two idlers from the countryside, who have recently run out of food and clothing, and they haven't been entangled, just eating and drinking. Thinking that they are used to being poor in the countryside, they think that the capital is also wild by them, but they don't pee and take a picture of themselves! ”

Director Peng said curiously: "It turns out that you know them, so you have to give them a color." ”

"Who doesn't know these two people who are doing business around here? Don't say that we know each other, even in the big mansion opposite, there are hundreds of students in school, and they all know these two bastard characters. ”

Director Peng and his companions were bored here, and when they heard this, they sat down at the table together and asked Xiao Yi for a pot of wine, and asked him to tell him about it to himself, and to talk about it to relieve his boredom.

Xiao Yi served the wine and said to the two: "If you say that these two people, one is called Zhu Qi and the other is called Li Zhongtan, they would have a good future when they arrived in the capital. A few days ago, the yamen posted a notice, imitating Jingxi Road to recruit people who specialize in accounting, as long as they have passed the examination and entered the opposite side to study, they will have food and shelter, and a little pocket money every month. The two supervisors knew that those who specialized in accounting on Jingxi Road had food and clothing for a lifetime. And everyone who opens a company must invite them to eat and drink well, and dare not slack off at all, what a beautiful difference! These two people have this opportunity, do you think it is a blessing from the previous life? ”

Supervisor Peng said: "That's true! However, I heard that it is not easy to take the exam, and many of them have to pass the examination to pass the exam. These two people can be admitted, aren't they scholars, people from a foreign land? ”

"I can't tell. I only heard these two people say that their knowledge is excellent, but they are not good people, and no one in the township guarantees them, so they have not taken the liberation test. None of these two people said a word of truth, who knows if it's true or not. ”

Director Peng and the two nodded, knowing that the world is so big, there are such things. The imperial examination, including both the examination of the department and the recommendation, to participate in the examination, you need to be promoted by the leading figures in the township, and there must be officials in it. I heard that there are many people who study on Jiangxi Road, and the people are good at litigation, so there are many scholars who write pleadings for people and fight lawsuits for the sake of food and clothing, and are called litigators. There are also people in this kind of lawyer who are very well educated, but obviously they will not be able to get a bail under any circumstances.

Xiao Yi said again: "These two people went to the opposite house to learn to do accounts, you say, is it a good future?" Who knew that they didn't study well, and they got into trouble inside, and they were kicked out, expelled and suspended, and they were not allowed to participate in the future! ”

Director Peng was curious: "Isn't it that they are blowing nonsense, but they can't actually learn it?" As soon as people take the test, they will show their original form. ”

Xiao Yi shook his head: "No, they are really good at learning, they are not top-notch, and they are also considered to be the best among students." What happened to them -- I've heard from people, but I heard -- was that they recruited students to gamble and made many people indebted. Think about it, what is the opposite place? It's a person who specializes in accounting, so why do you pay it back? Later, when the incident happened, he was beaten up and not counted, and he was chased and robbed of food and clothing these days, swept out of the house, and was left in the neighborhood. ”

Director Peng and the two were taken aback: "Recruit students to gamble on the opposite side?" These two people ate the bear's heart and leopard gall! ”

Xiao Yi shook his head again and again, and went to the shop with two big empty bowls.

Director Peng said to the chief Jin beside him: "No wonder those two people acted so out of tune, they did this kind of thing." Gambling is already a matter of committing a traitor, and they dare to do this in the school run by the three divisions, which is really bold. ”

Director Jin shook his head: "Those who came from the countryside thought that the capital was the same as them, and no one cared about it!" ”

At this time, the sun had just set, and a golden light was drawn on the horizon, decorating the blue sky. The surrounding field work began to be closed, and the number of people on the street began to increase sporadically. In this era, lighting is precious, even if it is a workshop, it is also made at sunrise and rested at sunset, and there is no need to think about it at night.

Seeing that there were more and more people, Director Peng shouted loudly: "Brother Xiaoyi, the wine money is on the table, let's go and do our own work!" ”

Xiao Yi couldn't pull out of the store for a while, and said loudly: "Go to the director, a few wine dollars are nothing!" ”

Li Zhongtan and Zhu Qi were bored leaning against the big willow tree by the river, looking at the pedestrians coming and going on the street. As the workers got off work, the various vendors came out of nowhere and shuttled through the crowd to sell.

Zhu Qi rubbed Li Zhongtan next to him with his shoulder: "Brother, those two went to the wine shop just now, I saw them talking and laughing with the little guy in the store, and they talked for a long time, didn't they arrange us?" After a while, when there was no one around, our brother went up and held down the guy, an old fist, and a bad breath in the chest! ”

Li Zhongtan bit a willow branch in his mouth, and said lazily: "My stomach is empty, where can I still move those idle gases!" ”

Seeing that Director Peng and Director Jin were on the street, they stopped and asked when they met someone who looked like they had come out of the field work, and they didn't let go of any of them. Li Zhongtan said curiously: "Those two birdmen, just ask what you are doing on the road?" ”

Zhu Qidao: "It turns out that my brother doesn't know about this, I happened to hear someone say it." Recently, a bird bank has been opened in the capital, and new money is to be used, and the old money is not allowed to be used after three months, so you can only go to the bank to exchange for new money. Originally, this was nothing, but I don't know where the newly opened bird bank got a lot of capital, as long as ordinary people save money into it, there will be interest. Is this worth it? There has never been anything like this in the world! I only heard that lending money to people to collect profits, when is it beneficial to save money! The people in the capital went crazy and deposited the money in their hands in the bank, but refused to withdraw the money, and the money on the market suddenly became much less. This is not a big deal, and the government is not allowed to use the old money to collect money and lend money, but only to use new money. ”

Li Zhongtan frowned when he heard this: "You said so much, what's the matter with the two birds on the road over there?" ”

"Brother, don't be anxious, listen to me with peace of mind. Those two birds must be in the quality store of a big family. The pledge warehouse was only allowed to use new money, and they had nowhere to exchange it for new money, so they had to come here. The people who work in the field here, don't look at them and don't make a few birds a month, but they pay it every month, and what they have in their hands is living money. And these field affairs are all managed by the three divisions, and the money is all new-"

"Those two birds are here to exchange for new money?"

Zhu Qi pursed his lips: "If you open a quality warehouse, where do you need to exchange money with others?" They don't always do business without capital! These people are the money in the hands of the people in the closing office, and they learn to pay interest like the bank, and the interest rate is higher. When the workers' money is stored in them, the pledge will have new money to do business, and it is nothing more than lending it out and raising the interest rate, and they don't have to pay the capital! ”

Nominally, the pledge bank or the southern depot is not lend, they are similar to the pawnshops of later generations. However, this business is very flexible, and there is no power to do the pawnshop business honestly, of course, this honesty is only relatively speaking, and it is impossible to do this business without treachery or fraud. The quality shop opened by a powerful person is also engaged in lending, but the loan is ostensibly made into a pawn for buying *** If you take a rotten wood hairpin, go to the quality warehouse to be ten times, and write the pleadings three months after twenty times. After the expiration date, the pledge only asks you for 20 yuan, and the rotten wood hairpin can't be counted, which is actually a loan shark in disguise.

The two major industries operated by the powerful families in the capital are to buy houses and build houses for rent, and the other is to open a quality warehouse. Even if it is the prime minister's family, if you want to make money, you have to use your brains in these two industries, such as Zhao Pu, the prime minister at the beginning of the country.

Knowing that this is a disguised financial industry, Xu Ping has no way to ban it, but he is afraid that they will disrupt the market order when the bank is newly built, so he stipulates that the business must use new money. One is to make a restriction, and the other is to have one more channel for distributing currency.

In this era, it is still a difficult problem for money to be printed and entered into commercial banks, and there is a lack of means for rapid circulation. Xu Ping's method was to let Kaifeng Mansion and the three divisions work together. The first is to build all kinds of major projects, hire a large number of people in the capital, and use the new currency to do their wages. Another is that the Sansi shop widely collects all kinds of small handicrafts, sells them to other places, and pays the bills in the new currency. Although the results are not immediate, these two approaches are safe.

However, the cooperation between Kaifeng Mansion and other yamen was not satisfactory, and Xu Ping could only hope that Han Zong would let the newly established Bridge and Road Division build various large projects around the capital. Including newly established companies, they are also encouraged to build large houses around, which is nothing more than the polluting ones that belong to the industrial category to build farther away, and the downstream outlets, ordinary companies to build closer.

However, the loan from the Bridge Road Division came from the Third Division Bank, which made the Kyoshi Bank very unhappy, thinking that it had robbed its own business.

After listening to Zhu Qi's explanation, Li Zhongtan nodded and didn't care. After all, they have been trained in the three divisions and have learned basic accounting knowledge, and compared with others, these two people are easier to understand.

Leaning on the willow tree for a while, Li Zhongtan suddenly straightened up suddenly: "No, there is a loophole in this!" ”

Zhu Qi was taken aback: "What's wrong?" What did my brother remember? ”

Li Zhongtan said slowly: "Those bird banks, we talked about them when we were studying in the third division. The Jingshi Bank in the capital is a loan to a newly opened company under the Third Division. I remember hearing people mention that these companies are all under the salt and iron division, one after another, and they lend to them, but in fact, most of the money does not come out of the bank, so now the Jingshi Bank still has a lot of money in its hands. It is precisely because of this that the bridge division does not take money from them, and they are very dissatisfied. There is a lot of money in the Jingshi Bank that cannot be loaned, and the pledge of these powerful families is short of money in their hands-"

Zhu Qi was confused when he heard this, and asked anxiously: "What is my brother talking about, but there is a way to make a fortune?" ”

Li Zhongtan slammed the willow branch in his hand to the ground: "People die and birds don't die for thousands of years!" Instead of suffering day by day, it's better to give it a go! If it is done, it will be a lifetime of wealth, and if it is not successful, it will be nothing more than a bad life! ”

Zhu Qi was startled and hurriedly asked, "What is the good plan for my brother?" Don't forget to bring your brothers! ”

Li Zhongtan turned to look at Zhu Qi, and said in a deep voice: "I have a clever plan to make a fortune here, but there are some risks, are you willing to fight with your brother?" If it does, you will have money that you will never run out of money for a lifetime! ”

"What's the solution? Tell my brother about it, and I'll be happy too! ”

Li Zhongtan shook his head mysteriously: "The secret of heaven must not be revealed!" If you follow me, you will either fall with a knife, or you will be a rich and noble member for a lifetime! How to choose, it's up to you! ”