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Chapter 5 The Bank (Part 1)

Two months have passed and the depression in Chang'an is still there. Except for Hu Ji who is still working hard to sell goods, no other noises with southern and northern accents can be heard in the West Market. There are also many fewer people visiting the market, looking at the mountains of goods and the steady stream of goods arriving.

In the camel caravan, Hu Shang could no longer see the cheerful smile of the past on his face. Hu Ji wore less and less clothes, and his waist twisted more frequently. It is a pity that the nobles and nobles are restraining their nephews.

You are not allowed to go to the brothel market.

There is no member of Yun Ye in Biianfang Supermarket now, nor is there any member of Lao He. He has always followed Yun Ye's footsteps. As soon as Yun Ye took out his 30% share, Lao He sold off his 20% share without even thinking about it.

Others, there are many people in Chang'an Xungui who are waiting with money. These 50% members are sold at a very low price, and they are sold at half and half, so the price is much higher. Everyone wants to find a permanent home for their children and grandchildren.

Of all the ways to make money, Bianyifang is undoubtedly the best choice.

If you don’t buy things in your own store, you’re a loser. Bianyifang has everything, it’s close, and the goods are good, so there’s no need to go outside to buy things. Shareholders get discounts when they buy things, which is a lot cheaper than outside. I took it.

The goods are settled uniformly at the end of the month, and the dividends are deducted. Every day at the end of the month, the head of the house or the head of the house is waiting at home for the steward of Biianfang to come to the house. There are details of how much the family eats and spends in a month.

The accounts can be checked, which fundamentally eliminates the possibility of having a hand in the family's affairs. The family's living standard has increased without falling, and the expenses have been reduced by 10%.

After those heads of households and wives discovered this function, they were absolutely not allowed to buy anything that could be bought in Biianfang. The shopkeeper of Biianfang also launched the consumption details of large families in real time. As long as the consumption reaches a certain amount, by the end of the month

Bills will be delivered to wealthy families, and the bill has been well received by those wealthy families.

The majority shareholder of Biianfang is a woman named Mingyue. She never cares about anything. She just spends five days a month riding a carriage around Chang'an City and visiting all the shops. Then she follows the carriage loaded with silver or gold.

Let's go back to the palace together. Please note, we are going back to the palace together. Now if the nobles of Chang'an don't know that Mingyue is the empress's personal maid, they will be laughed at.

The shops outside that are closely related to daily life are shrinking, and food prices have dropped to a dangerous level. At this time, the empress, who is kind and compassionate, allocated a large amount of money from the inner government in order to prepare some food for the disaster years.

Man Chang'an purchased grain, whether it was wheat, beans or millet, it didn't matter, it was all. The price was more than 10% of the market price, and the grain merchants cried loudly, for no other reason. The empress only accepted grain from farmers, not merchants.

.Farmers who were exploited by grain merchants in the past are now carrying burdens, driving ox carts, and selling all their surplus grain to the Queen without even looking at the grain merchants.

While the Queen was riding around in the granary in a small carriage covered with gauze, His Majesty the Emperor also issued a decree, ordering all the state capitals in the world. Except for those state capitals that were affected by disasters and needed relief, all state capitals without famines were

Purchasing people's surplus grain at a price that is 10% higher than the market price is not allowed to cause losses to farmers. As for merchants, it is not mentioned in the imperial edict, so it is not included in the scope of government help.

"Empress, a total of 1.73 million tons of grain have been purchased this year. The surplus grain in Guanzhong is estimated to be here. Whether it is wheat, beans, or millet, it is all first-class good grain." The official in charge of the warehouse took a

The long poke was inserted into a grain store, and after being pulled out, he held it to the palace maid, who asked the palace maid to give it to the queen for inspection.

After the wheat grains were brought in, Changsun poured the grains in the grains into a silver plate and spread them out with his hands to check. The wheat grains were plump and dry. He twisted a few grains and put them in his mouth to chew. They were very good. They were not moldy or moldy.

It has no peculiar smell and is indeed good food.

The eldest grandson stood up and lifted up the gauze and looked at the densely packed granaries. She was a little lost. She never thought in her dream that the inner government alone could purchase the entire Guanzhong's surplus grain. If there was food at home, everything would be calm and the people would not suffer.

, who cares whether other people live or die in this great turmoil? I have been drinking the blood of the people for so many years, how can I not spit it out?

The Tang Dynasty was still a huge self-sufficient family model. There were weapons supervisors and general supervisors on the pontoons. As long as the money and food were available, there would be no major events in the world.

Yun Ye said that he wanted to reshuffle the cards. He didn't know what reshuffling meant. In short, he wanted to reorganize the merchants and drive out the power of the big families from the merchants. Regarding the big families, it was obvious that Yun Ye was as bored as himself.

.

By the end of September, many merchants in Chang'an who were about to hang themselves suddenly became happy. A few days ago, the big families that they had relied on began to withdraw their shares. They withdrew very simply. Some shameless people also wanted to count their dry shares.

Withdraw the money,

There was an expert named Huang Zhien who opened a shop called Qianzhuang. He heard that he had a powerful background and had countless money. Seeing the miserable life of the merchants, he couldn't bear to see their families destroyed one by one, so he decided to put his money away.

It is lent to merchants for turnover. As long as the merchants are in need, they can take the things as collateral and give them in cash. There is no delay or delay. I heard that the interest is not high. Is this such a good thing? You can't be a liar.

Bar.

Shopkeeper Cao of Jinfeng Company couldn't hold on any longer, so the Dai family took out the shares. Regardless of whether the Cao family lived or died, they wiped out all the money that Jinfeng Company used to purchase goods, and also confiscated the Cao family's savings over the years.

, seeing that the Cao family really ran out of money, they gave up.

Winter is about to enter now, which is when the linen business of the Jinfeng Hao is booming. When it comes time to collect the linen, there is no money in the cabinet. If it can't survive this year, the Jinfeng Hao will go bankrupt, and his wife

The children may all be sentenced to be slaves by the government. Now as long as someone can inject funds into the Jinfeng, even if they are evil spirits, Shopkeeper Cao will recognize them.

He gritted his teeth and said to the merchants who were watching: "My fellow shopkeepers, the Cao family can't hold on any longer. Even if it's a ghost gate, I, Old Cao, have to break through. This can be considered as exploring the way for everyone. In these days, there won't be any of us."

A way to survive."

The other shopkeepers who were watching all bowed and saluted. Seeing shopkeeper Cao walking into the magnificent door with a sad and angry look on his face, he no longer wanted any good results from the Jinfeng, he only wanted to allow his wife, children, and young children to escape.

After one calamity, it is considered a success.

As soon as he entered the gate, a man in Tsing Yi came up to him and ushered him into a side hall. Through the flower window, he could see many counters in the hall. Behind each counter was a cashier, and there were several of them.

They are acquaintances, but now they are all dressed in Tsing Yi, sitting behind the counter drinking tea, waiting for customers to come. The top of the counter is covered with iron wires, and there are bamboo clips holding some pieces of paper on them. I don’t know what they are for.

There was a strange thing on the table. There were strings of beads in a square frame, and it was divided into upper and lower grids. I don’t know what it was used for. The strange silence made Lao Cao almost want to run away.

Workman brought him green tea, which made his heart calm down. This was something only the Yun family had. He had seen that the owner of the Ruiyuan House had some dealings with the Yun family, and was killed by the housekeeper of the Yun family.

A small tube was given as a gift, a bamboo tube one inch thick and half a foot long. Since Lao Ma got it, he showed it off to everyone once, only letting everyone smell it and not inviting everyone to drink.

This tea is never sold out. I heard that I would send some to the palace, the academy and some close elders, and no one else would even think about it. Ruiyuan is so lucky, the Yun family has a share in his business.

This time, the Yun family also withdrew its shares, but did not take away the money. It gave Lao Ma three years of time. What a blessing.

Lao Cao's hands were trembling with excitement. If this business belonged to the Yun family, things would not be too bad. The Yun family is a well-known good family in Chang'an. Although the Marquis's temper is a bit bad, it is what a young high-ranking official should do.

His temper has made him one of the three evils of Chang'an. He has never bullied anyone, but he has beaten two bullies. This is nothing. Judging from the situation of the Ruiyuan ship, the Yun family's reputation for kindness is not false.

of.

Huang Zhien walked into the side hall with a smile and said to Lao Cao: "Old Cao, although we have never met, I have heard of your name Jinfeng. My Excellency Huang Zhien, whose courtesy name is Pengyang, you call me Lao Huang

That’s fine.”

"Brother Huang, I'm really desperate. This time's storm is about to submerge me. I ask Brother Huang to lend a helping hand. I'm so grateful. I will remember Brother Huang's kindness for eight lifetimes."

"Since Brother Cao is in a hurry, I will stop saying polite words. In this bank, I have the same status as you, Lao Cao, as the shopkeeper. You are not only the shopkeeper, but also the boss. I am the shopkeeper. You

Don’t ask who owns the plate, I can only tell you that every penny here is pure money, so don’t worry, if you want to borrow money, you need a mortgage. I wonder if Brother Cao has anything to pledge?"

Shopkeeper Cao is a businessman and he doesn't understand why. He has already prepared the land deed, house deed, and shop deed in his baggage. I hope I can use these things to borrow enough money."

An accountant came over and calculated Lao Cao's various contracts. The eager Lao Cao looked at his last bit of property and prayed for more calculations. His land deed and house deed were only 800 guan at most. He had known for a long time that

The success or failure of the matter depends on how much the store can mortgage. Eight hundred coins is far from enough.

While waiting anxiously, Lao Cao took a sip of tea to moisten his dry lips. He couldn't taste the tea at all. He only saw his various contracts sliding back and forth on the iron wire in a lively manner.

After the intensive crackling sound, his things slipped into Huang Zhien's hands along with the iron wire, and he took off the things on the clip. Huang Zhien took a look at it, returned the contract to Shopkeeper Cao, and asked: "Brother Cao, how are you doing?"

Got it, I wonder how much you plan to borrow."

"To be honest, Brother Huang, I am in urgent need of cash to buy linen. There are only a few days left before the purchase. It would be great if I could borrow two thousand gu to meet the urgent need."



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