Lin Jian sent someone to ride a fast horse to urge, and Lin Mengde had something urgent, so he gave priority to Lin Lian's side, and rushed back to Chongcheng in a carriage that night.

To say that Qin Chengzu still has some concerns about the matter of "Qian Zhuang", and is worried that he will encounter all kinds of resistance, Lin Mengde is extremely supportive.

When the Lin family was in its heyday, there were warehouses in the surrounding cities of Jiangdong County, such as Dongyang, Jiangning, Weiyang, Huai'an, Pingjiang, Danyang, Hailing, etc., and large quantities of goods came and went, often tens of thousands of taels of silver.

Because the Lin Kee Warehouse has a good reputation and deep roots, it is also more common for the Dongyang Township Party to use the flying tickets of the Lin Kee Warehouse to exchange money by doing business or traveling abroad. By the eighth year of Chongguan, the exchange of external flying tickets had formed a considerable scale; With coupon alone, the Lin family can get an extra two or three thousand taels of silver from it. Compared with the other businesses of the Lin family, the coupon income is still very low; If Lin Ji uses the ticket internally and calculates the coupon, the figure is quite objective.

The war is chaotic, the forest is destroyed, the foundation of the Lin family is almost destroyed, the battle situation is unpredictable, the people are unpredictable, the Lin family is currently between the warehouses, and they have resumed to settle in cash, but it does not mean that the matter of the money bank is not feasible.

Wang Chengfu wrote a suggestion and talked about the money shop. Lin Mengde had seen it earlier and thought about it a lot, and he had practical experience in this area, so he naturally had more and more definite ideas. It's just that he was busy with other things during this time, and after Lin Jian returned to Chongzhou, Lin Mengde and he met twice in a hurry, and he didn't have a chance to talk about it in detail.

Wang Chengfu proposed to set up a pawn money shop, focusing on borrowing money from the pawn money shop to the displaced people for reclamation, and Lin Mengde paid more attention to the benefits of flying tickets, that is, "silver tickets".

Lin Jian clarified the concepts of "money bank", "loan", "money interest", "silver bill" and "coupon", and the conceptual framework in Lin Mengde's heart became clearer.

"The world is unpredictable, but Huaidong's repeated victories can still give others some confidence," Lin Mengde said, "We don't expect the first step to take a big step, but in the system of the Jinhai Grain Road, it is still feasible to implement flying tickets!" Not to mention the Heishui Foreign Ship Agency, the money is settled in Chongzhou, and the benefits of the money village cannot be seen. However, many grain merchants only take the short route from Chongzhou to Jimo - from Chongzhou to buy grain, enter Jiaozhou Bay, and deliver it to Jimo for bank settlement, they need to transport the silver money back to Chongzhou and then use it to buy grain. It would be more convenient for the grain merchant to go with the ship, as long as he found a reliable owner and his companion and brought the silver back with the ship; However, many grain merchants and shipowners just hired people to transport grain, and they were afraid of the strong winds and waves at sea, so they did not go with the ship, and thousands of taels of cash were transported back to Chongzhou by land, so they had all kinds of worries! If we set up money banks in Jimo and Chongzhou, and grain merchants get silver in Jimo, deposit the silver in the bank, and take the ticket issued by the money bank, and go to Chongzhou to withdraw the silver, it will be much more convenient. The silver may be robbed on the way, but the redemption of the ticket is not advisable for the grain merchant himself or the grain merchant's designee, and it actually protects the personal safety of the grain merchant......"

Flying bills are different from money notes, and are comparable in nature to bills of exchange in later generations. The face value of a flying ticket is hundreds or thousands of taels of silver. For such a high-value ticket, when the ticket is issued, it will naturally be endorsed in detail, indicating the identity of the ticket holder and the time limit for withdrawing cash, and even designating the money bank for cash withdrawal, so that the possibility of stealing and fraudulently claiming is very small.

Zhou Guangnan and Sun Fengyi have been businessmen for most of their lives, and they naturally know the benefits of flying tickets, the key lies in the question of whether the money bank can be trusted, if it is trustworthy, it is much safer to take the flying ticket on the road than to go on the road with thousands of taels of silver.

The Jinhai Grain Road itself is supported by the Huaidong Military Division, and the establishment of Qianzhuang naturally depends on the credibility of the Huaidong Military Division. If these grain merchants still don't trust the Huaidong Military Division, there is no need to go to the Jinhai Grain Road to get involved.

"Of course, it is impossible for Qianzhuang to issue tickets to grain merchants for no reason, and it is a matter of course to collect coupons. As long as you make sure that you can exchange cash when you get the ticket to the bank, take three for a hundred miles, or even take five, I think the grain merchants will be willing," Speaking of this, Lin Mengde's eyes were full of gold, he was full of thoughts about opening up financial resources for Huaidong, and suddenly there was a feeling of sudden enlightenment, how could he not be excited? He continued, "From Jiangmen to Jimo or from Huaikou to Jimo, in a normal year, the volume of grain transported is more than 1.5 million stones, and the total amount of silver is 1.5 million taels at the price of grain collected in Jimo. This batch of grain is naturally to be transported from Jiaozhou Bay to Laizhou Bay, and it is a round trip; From Denglai to Jinhai, it is another round trip. The total number of three round-trip silver rolls will be more than five million silver. Even if it is three out of 100 miles, the potential annual coupon income will reach 150,000 taels of silver. At the same time, we can see that in Jiaozhou Bay and Laizhou Bay, grain merchants can exchange tickets for tickets, as long as we store a certain amount of cash in the money houses in Jinhai and Chongzhou, to ensure that the grain merchants can remit cash with the tickets, they can make this transaction! ”

"How much principal does the money bank think should be prepared to ensure that the grain merchant can remit the cash when he holds the ticket?" Sun Fengyi asked.

They are businessmen who make their fortune and value credibility above all else. Whether the money bank's business can be achieved or not also depends on its reputation. Once the grain merchant cannot cash in the ticket immediately, the credibility of the money bank will be ruined, and the business will not be able to continue.

"If you only issue a ticket for the grain merchant," Lin Mengde touched his chin and said, "At present, it seems that the cash will be deposited in Jinhai and the cash will be withdrawn in Chongzhou with the ticket." Assuming that half of the grain merchants will use the money to settle the money with the money from the bank, we will take the silver from Jinhai back to Chongzhou by warship every two months, and we will need almost 500,000 taels of silver. ”

That's enough, but it's not foolproof. If the wind and waves are dangerous, and the silver ship is blocked halfway for a while, there will be problems with the turnover on Chongzhou's side. I saw that if you really want to be insured, you need to have double the cash as the principal, which is enough. Zhou Guangnan twisted his beard under his chin and said.

The principal has to be invested so much, and the risks and costs of running the bank are also included, and the profits are quite limited in comparison.

"If you only issue a ticket for the grain merchant, you don't need so much principal," Lin Jian said, "The Huaidong Military Division's reserve silver or hidden in the military division's silver cellar, if it is deposited in the bank's treasury, it makes no difference; In addition, the cash collected by the Finance Bureau, as well as the surplus silver retained by the workshops, can be deposited into the bank for principal ......"

It is necessary to deposit enough principal and silver, mainly to prevent a run. Sun Fengyi, Zhou Guangnan and others have been in business for half their lives, and although they have just had the concept of a rich bank, they can also consider the run.

No matter how urgent the financial resources of the Huaidong Military Division are, there will be a certain amount of cash deposited. There is no essential difference between whether the silver is hidden in the silver cellar of the Huaidong Military Division or deposited in the treasury of the money bank.

When it comes to the Lijin Bureau, Zhou Guangnan is familiar with it. The Lijin Bureau is almost one of the main sources of cash income for the Huaidong Military Division, and it is only settled with the Huaidong Military Division once a month.

Not counting the cash silver that has entered the cellar of the Huaidong Military Division, the Lijin Bureau also has tens of thousands of taels of cash in peacetime.

The revenue settlement of the shipyard is a quarterly period, and it is necessary to maintain normal operation in normal times, and the amount of cash stored is even larger.

The iron-smelting factory, the silk cutting factory, and even the Heishui Foreign Ship Company all have a large amount of cash in their hands in case of emergency.

These surplus silver are all for emergencies, and in fact there is little chance of using them, just like the villagers do not dare to spend some silver money in their hands.

These surplus silver are stored in the bank treasury of the bank, one is convenient for centralized preservation, and the second is that if the bank is run on the holder, you can use the silver for emergency.

In other words, as long as the amount of surplus silver deposited into the bank is large enough, the less principal the bank needs.

Giving Lin Jian a word, Zhou Guangnan seemed to see a new vision, changed his previous cautious attitude, leaned forward, and said: "What my lord said is indeed a wonderful way to alleviate the lack of principal in Qianzhuang!" When he heard this, Mao Sai suddenly opened. ”

Lin Jian smiled slightly, in the future, will there be any bank that does not absorb public deposits and lends money only on its own principal? He relied on the experience of later generations to win, and if he talked about business calculations, he was not as old as Zhou Guangnan.

Of course, at the beginning of the establishment of the bank, it did not establish a reputation, and it was unrealistic to want to absorb public deposits on a large scale except for the financial east to contribute a certain amount of principal. However, Lin Jian can deposit the surplus silver of the Huaidong Military Division and many factories in the Qianzhuang, and in the future, it is possible to directly order the two prefectures and eleven counties of Huaidong to deposit the surplus silver in the Qianzhuang, so as to ensure that the Qianzhuang has a large amount of reserve silver.

Lin Jian said with a smile: "The benefits of Qian Zhuang are not only these. The Salt and Iron Division transported the salt and silver to Yanjing last year through our water camp warship. Chen Hansan controls Xuzhou, Liukou is between Biansi, and there is still a lot of power, Zhang Yan still does not dare to transport salt and silver by land this year, and Qian Zhuang can take this matter down. ”

"The ideas of adults are always unexpected, so that there is just the right amount of money, and the humble position is really convincing," Zhou Guangnan said with emotion, "The grain merchants deposit grain and silver in Jinhai and withdraw cash in Chongzhou with their tickets, which will cause an imbalance between the silver in Jinhai and the lack of silver in Chongzhou." The Salt and Iron Division deposited the salt and silver into the Chongzhou bank, and we can allocate the corresponding silver money from the Jinhai money village to Beijing, which can actually make up for the imbalance mentioned above...... We don't have to make the trouble of Chongzhou from Tianjin Sea, but we can do one more business, which is really too good to be good! This money bank can do things! ”

Lin Jian looked at Sun Fengyi again.

Sun Fengyi thought about it carefully, saw that the envoy looked over, and also said: "The things of Qianzhuang can be done." ”

Although Zhou Guangnan and Sun Fengyi both served in the Huaidong Army, they could not willingly give money to make money, and Lin Jian could not force them.

In this way, Sun Fengyi and Zhou Guangnan took the initiative to express their position, which can be regarded as the first step.

Lin Jian said, "Okay." Wang Chengfu will stay here first, and a few of you will draw up a statement first, and everything will be considered carefully. The more principal that Qianzhuang can gather, the better, and I will go to Jiangning every few days to see if anyone over there is willing to participate. ”

After the establishment of Qianzhuang, lending was the basic function, and there was no need to emphasize anything, but Lin Jian did not mention that the Huaidong Military Division would borrow money from Qianzhuang in the future to develop armaments. It is not too late to discuss this matter after the establishment of the money bank, and you can't give others too many scruples at the beginning.