The southward migration of the maritime merchant group and its clansmen not only extended the Gyeonggi Baomei grain route from Jinhai to Chongzhou, but also caused a large amount of silver money from Hajian Province to flow into Chongzhou, so that the development of Chongzhou obtained sufficient capital.

The Heishui Ocean Shipping Company, which has a capacity of 150,000 stones, the Guanyintan Shipyard, which can build five Jinhai-class warships at the same time, and the Beihetan Warehouse and the transshipment wharf, which can store 2 million stone rice grains, have directly absorbed nearly one million taels of silver. Otherwise, relying only on the Huaidong Military Division's own financial resources, it would be great to be able to do one of them.

The night was dark, no one in the house was tired, the rain was pouring outside the window, and the sound of the treetops blowing the wind, the oil lamp was not bright enough, and the guards lit two more high candles in the room.

Lin Jian sat cross-legged behind the bookcase, listening to Wang Chengfu describe the details of the pawn shop. Wang Chengfu's original intention was also to use the money of the southward migrants to resettle the displaced people, so as to reduce the payment and pressure of the Huaidong Military Division in the resettlement of the displaced people.

Wang Chengfu's starting point is excellent, but Lin Jian thought a lot, thinking of the financial system with banks as the core in later generations, thinking of the gold standard, and thinking of paper money issuance.

Of course, Lin Lian's understanding of the financial knowledge of later generations is also very limited, and he cannot rely on superficial impressions to rigidly copy the banking system after a thousand years in the world.

"Pawn money shop, pawn money shop," Lin Jian gently tapped his fingers on the tabletop and asked Qin Chengzu, "What do you think?" ”

"Lin Mengde is specialized in this, and he has also seen Wang's proposal, but he is too busy and everyone doesn't have time to get together to discuss," Qin Chengzu said, "It's excellent that this thing can be done, but there are thousands of homeless people, how can the pawn shop deal with it?" The pawnshop in the city can deal with ten or eight businesses a day. The homeless people are running around, and the Huaidong Military Division is also difficult to control, the homeless people are poor and have no property to mortgage, how can Sun Zhou and the other clans rest assured that they will lend out the money and valley? How can I guarantee that I can get it back? Even the protection of the law is not appropriate. There are many escapees, and because there are naturally more guarantors involved in crimes, can the Huaidong Army really arrest them on a large scale? ”

Qin Chengzu's old scheming people, even if they are not very familiar with these things, can see many problems.

"I'm afraid it's not okay to disperse pawn loans," Wang Chengfu said, "Compile the displaced people into Lijia, and use Lizheng and Jiashou to come forward to borrow and then divide the internal apportionment, and the pawn shop can go to Lizheng and Jiashou to recourse." Although it is not possible to completely eradicate the criminals, it can also be used in expedient times, and it can also achieve twice the result with half the effort......"

Qin Chengzu touched his chin, there were nearly 30,000 soldiers in the Huaidong Army, and he was currently making every effort to build a seawall, in addition to rehousing the families of the workers' camp, the financial resources were already used to the limit.

However, if Chongzhou is stronger, it will undoubtedly be to resettle displaced people more quickly, reclaim wasteland, and increase the number of troops and tax sources.

Although Wang Chengfu's suggestion has some loopholes, but as an expedient measure, it's not that he can't give it a try, he stroked his beard, he saw that Lin Lian was silent and didn't speak, thinking that he couldn't make up his mind, and said: "Ask what Lin Mengde means, and then send someone to ask Qinghe and Ziang, if it can be tried, and then take it to a large-scale discussion, the key is to persuade Sun, Zhou and other clans to be willing to invest money in!" ”

Qin Chengzu and Wang Chengfu discussed the details of Mo Zhi, and Lin Jian gave Wang Chengfu a discussion of the pawn money, and he has been thinking about the matter of "Qianzhuang" for the past few days.

Hearing Qin Chengzu say this, Lin Lian came back to his senses and said with a smile: "Lin Mengde will definitely be able to make his debut," and asked Wang Chengfu again, "Can you get out of the way in the past two days?" ”

"Yes!" Wang Chengfu didn't expect Lin Jian to be so eager to promote this matter, how could he not be excited to see that his proposal was taken seriously? Naturally, it is a strong cooperation.

"Then you can make arrangements in Hecheng first, and it's best to go to Chongcheng with us tomorrow, if you can't just delay it for a day, you can come back." Lin Jian said.

**********

The rain continued to drip, and Lin Jian still set off early in the morning to rush back to Chongcheng.

Wang Chengfu always had to explain the affairs of Hecheng before leaving, so he didn't go with Lin Lian.

Lin Lian returned to Chongcheng, Lin Mengde went to Jiuhua for something, and he didn't immediately know his opinion on this matter, Lin Lian just sent someone to urge him to come back quickly.

Gu Junxun was pregnant with Liujia, and it was inconvenient to travel far, so he had been waiting for Lin Tie to come back in Chongcheng. If Gu Junxun didn't leave, Liu Yue'er and Xiaoman's two concubines naturally couldn't go to Hecheng to see Lin Bin.

rushed Lin Jian back, and complained to Xiaoman for a while, saying that the army had returned to Chongzhou, but others were still running around outside, and they were reluctant to come back after half a month.

Lin Jian thought about why Song Jia returned to Chongcheng first as soon as the ship arrived on the shore, and refused to stay in Hecheng to help deal with official business.

Lin Jian also thought of Xiaoman and others in his heart, but everything in Huaidong was waiting to be enjoyed, and many things had no old system to follow, from him down, how many people could be idle? At this time, it was also enjoyable to listen to Xiaoman's coquettish voice complaining like a yellow magpie on the side, and Lin Jian was playing in his arms with Xin'er, who had begun to learn to speak.

After Lin Jian had lunch in the inner house, he kicked Gu Junxun out, saying that he spent most of the day in the inner house not handling official business, and would let outsiders blame them for being ignorant.

Lin Jian couldn't do it for a day if he wanted to take a break, so he had to go to the front hall to deal with official business. Xiaoman was happy, and the letter sent to the mountain for approval was still sorted out by she, Song Jia and a few female officials for Lin Lian.

Lin Jian sat in the front hall, still thinking about the "pawn shop".

Wang Chengfu proposed a prototype, Lin Jian has the insight of later generations, and naturally knows how much benefit it will be if this matter is done well.

Song Jia returned to Chongzhou first, she was the internal canonical order, and almost all the letters and letters that Lin Jian wanted to approve had to go through her. Wang Chengfu's book "Discussion on Pawn Money", she has also read it.

"The proposal of the king's inspection can be tried." Song Jia saw that Lin Jian was thinking about the pages of Wang Chengfu's book for a long time, thinking that he had not yet made up his mind, so he expressed her personal opinion.

"The name of the pawn shop is not good, and Wang Chengfu said that the usefulness of the pawn shop is too small...... Lin Jian asked.

"What's a good name?" Xiao Man asked beside him.

Lin Jian waved his hand to let the others exit first, although there was a strict discipline of confidentiality, but when discussing important matters, it was still best not to let irrelevant people be present.

Waiting for the people to withdraw, Lin Lian said: "Just use the name 'Qianzhuang'!" Speaking of the usefulness of the 'bank', do you know what a 'flying ticket' is? ”

Xiaoman touched his head, indicating that he was not clear.

"The land of Eastern Fujian is narrow, and the merchants and goods are almost controlled by a few companies, but Qingfeng Bank has issued a 'flying ticket', I know a little," Song Jia said, "Do you want to let Qian Zhuang also be a 'flying ticket'?" ”

"'Flying tickets' are too ugly, and 'silver tickets' are much more pleasant," Lin Jian didn't mind standardizing the names of later generations in advance, and said, "Qian Zhuang, Qian Zhuang, shouldn't the matter of silver tickets be done by Qian Zhuang as a matter of course?" ”

At that time, there were no special commercial institutions such as "money banks and silver numbers", but some large-scale warehouses and trading companies, because the transfer of a large amount of silver money was very troublesome, began to use some flying tickets with the same nature as silver tickets for exchange and settlement in different places.

In addition to internal settlement, Lin Kee Warehouse is also only for a very limited number of people, usually who have business dealings with the Dongyang Township Party to issue tickets.

If someone sets off in Jiangning and goes to Dongyang to collect tea, it is extremely inconvenient to carry a large amount of silver money with him. You can first deposit the money into Lin Ji's sub-stack in Jiangning, take Lin Ji's bills, and go to Lin Kee's sub-stack in Dongyang to withdraw cash, which will save a lot of inconvenience.

The reverse is the same, take the goods to Dongyang to sell, deposit the money sold in Lin Ji's branch in Dongyang, and withdraw it after returning to Jiangning, so you don't have to worry about Jiangyang thieves on the road.

Even if the Ministry of Household entrusted the Salt and Iron Division to settle grain and silver with maritime merchants in Chongzhou, only the Heishui Ocean Shipping Company benefited. Other shipping merchants and grain merchants went to Jiaozhou Bay in Shandong Province to deliver grain, but they all settled silver with the grain, which was very troublesome.

A transaction amount is as little as four or five thousand taels of silver, and as much as forty or fifty thousand taels of silver, and the weight of the silver is not enough, and it is often because of the quality of the goods, and it is necessary to dispute for a long time.

It's okay to take a boat, 40,000 or 50,000 taels of silver is not heavy, but there is also the danger of capsizing. Those who go by land, 40,000 or 50,000 taels of silver weigh more than 3,000 catties, and they are pulled by several carriages, isn't it to seduce Jiang Yang thieves to steal and rob?

At that time, it was not the time to issue money, and with Lin Bin's limited financial knowledge and did not know what kind of system to issue money, it would be a good thing, and it would not become a terrible bad thing, but the establishment of a money bank system of "copper coins for small payments, silver ingots for medium payments, and silver bills for bulk payments" is relatively simple and much easier to control.

In the matter of Qianzhuang, Lin Jian can only think about it, Lin Mengde, Sun Shangwang and even Zhou Guangnan, Sun Fengyi and others are more proficient in these things than him, and the details will be supplemented by them.

Of course, Lin Jian was eager to build a money bank, or wanted to borrow money to do another thing.

Huaidong has always been strangled financially, making money is never as fast as spending money, and Lin Jian has long begun to consider the possibility of borrowing money from private individuals to develop armaments.

Private people are naturally in awe of the government, and the Huaidong Military Division is considered to have a good reputation. It is Zhou, Sun and other clans, the Huaidong Military Division directly asked them to donate some silver, as long as the amount is not large, they will readily agree, but borrow silver from them, even if they are already the core figures of the Huaidong Military Division, they will beat the drum in their hearts: This is borrowed, can you want it back?

Moreover, if the Huaidong Military Division wanted to borrow silver, it was usually a huge amount, often exceeding the supply capacity of a family.

There were all kinds of concerns, although Lin Jian had the idea of borrowing money to develop armaments, he did not say it; I'm afraid that as soon as I open my mouth, good things will become bad things.

Everyone is afraid of being a fat sheep, human nature is like this, no wonder no one; It is a trivial matter to lend the money out or not to get it back, and it is too late to regret it if it causes the disaster of raiding the family and destroying the family.

The establishment of Qianzhuang, through the Qianzhuang, the maritime merchants and clansmen who moved south, the local forces in Chongzhou, the Dongyang Township Party and even the Lin people gathered the surplus wealth in the hands of the people. The way of survival of the money bank is to eat the interest of the money, lend it to the merchants, the displaced households or lend it to the Huaidong Military Division, and there is not much difference in essence.

Moreover, through Qian Zhuang, the fear and respect of individuals for the government can be weakened, and the composition of Qian Zhuang itself is closely related to the foundation of the Huaidong Military Division, and there is a relationship of mutual kidnapping and support.