The migration of the maritime business group and the tribesmen to the south not only extended the life-saving food route of the Gyeonggi Province directly from Jinhai to Chongzhou, but also caused a large amount of money from Hejian Prefecture to flow into Chongzhou, providing sufficient capital for the development of Chongzhou.
Heishuiyang Shipping Company, which has a long-sea shipping capacity of 150,000 kilo, Guanyintan Shipyard, which can build five Jinhai-class warships at the same time, Beihetan Warehouse and transshipment terminal, which can store two million kilo of grain.
These three items have directly absorbed the capital injection of nearly one million taels. Otherwise, if the Huaidong Military Division could achieve one of them only with its own financial resources, it would be a big deal.
It was already dark, and no one in the house was tired. Rain pattered outside the window, and there was the sound of the treetops blowing in the wind. The oil lamp was not bright enough, so the guards lit two more tall candles in the room for lighting.
Lin Fu sat cross-legged behind the desk, listening to Wang Chengfu describe the details of the pawn shop. Wang Chengfu's original intention was to use the money of the tribesmen who moved south to resettle the refugees, so as to reduce the payment and pressure of the Huaidong Military Division in resettling the refugees.
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Wang Chengfu's starting point was excellent, but Lin Fu thought a lot, thinking about the financial system with banks as the core in later generations, the gold standard, and the issuance of banknotes.
Of course, Lin Fu's understanding of the financial knowledge of later generations was also very limited. He could not rely on superficial impressions to copy the banking system that would be a thousand years later.
"Pianqian shop, Pianqian shop," Lin Fu tapped his fingers lightly on the table and asked Qin Chengzu, "What do you think, Sima You?"
"Lin Mengde is specialized in this. He has also read the proposal of Inspector Wang, but he is too busy and no one has time to get together to discuss it," Qin Chengzu said. "It is great that this thing can be done, but
How can a pawnshop cope with the tens of thousands of refugees? The pawnshops in the city can only deal with ten or eight businesses a day. The refugees are running around, and it is difficult for the Huaidong Military Division to control them. The refugees are poor and have no money.
How can Sun Zhou and other clans safely lend out money and grains when mortgaged? How can they ensure that they can get it back if they lend it out? It is not appropriate to even be afraid of the law. There are many escapees, so there are naturally more guarantors involved in crimes. Huaidong
Can the army really carry out arrests on a large scale?"
Even if Qin Chengzu was not very familiar with these matters, he could see many problems.
"I'm afraid it won't work to spread the loan," Wang Chengfu said. "Organize the refugees into lijia, and rectify them. The head of the class will come forward to pay the loan and then allocate it internally. The pawn money will be shopped to the shackles, and the head of the class will pursue it. Of course.
It is impossible to completely eliminate criminals, but using them when appropriate can get twice the result with half the effort..."
Qin Chengzu rubbed his chin. The Huaidong Army had nearly 30,000 soldiers. They were currently going all out to build and defend the sea wall. In addition to housing the family members of the labor camp, their financial resources had been stretched to the limit.
However, if Chongzhou wants to be stronger, it will undoubtedly resettle the refugees more quickly, reclaim wasteland, and increase the number of soldiers and tax sources.
Although Wang Chengfu's suggestion had some loopholes, it was not impossible to give it a try as a stopgap measure. He stroked his beard. Seeing that Lin Fu was silent, he thought he could not make up his mind, so he said, "Ask Lin Mengde
What do you mean? Then send people to ask Qinghe and Ziang. If it can be tried, then discuss it on a large scale. The key is to convince Sun, Zhou and other clans that they are willing to invest money!"
Qin Chengzu and Wang Chengfu were discussing the details of Mo Zhi, and Lin Fu was discussing the pawn money given to Wang Chengfu. They have been thinking about the "bank" these days.
Hearing what Qin Chengzu said, Lin Fu came back to his senses and said with a smile: "Lin Mengde can definitely tell the truth," and then asked Wang Chengfu, "Can you get away in these two days?"
"Okay!" Wang Chengfu didn't expect Lin Fu to be so eager to promote this matter. How could he not be excited to see that his proposal was taken seriously? Naturally, he tried his best to cooperate.
"Then you should make arrangements in Hecheng first. It would be best if you can go to Chongcheng with us tomorrow. If you can't just delay coming here for a day," Lin Fu said.
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The rain kept falling, but Lin Fu set off early in the morning to rush back to Chongcheng.
Wang Chengfu always had to settle the affairs of Hecheng before leaving, so he did not go with Lin Fu.
When Lin Fu returned to Chongcheng, Lin Mengde went to Jiuhua for something, and his opinion on the matter was not immediately known. Lin Fu just sent someone to urge him to come back quickly.
Gu Junxun was pregnant with Liujia and was unable to travel far, so he had been waiting for Lin Fu to come back in Chongcheng. If Gu Junxun didn't leave, Liu Yue'er and Xiaoman's two concubines would naturally not be able to go to Hecheng to see Lin Fu.
After driving Lin Fu back, Xiaoman complained for a while, saying that all the troops had returned to Chongzhou, but others were still running around outside, and it took half a month before they were willing to come back.
Only then did Lin Fu think of why Song Jia came back to Chongcheng as soon as the ship landed, and refused to stay in Hecheng to help with official duties.
Lin Fu was also thinking about Xiaoman and others, but things were waiting to happen in Huaidong, and many things had no old rules to follow. How many people below him could be free? At this time, Xiaoman was beside him like a yellow magpie.
Lin Fu complained softly, but it was quite enjoyable. Lin Fu played in his arms with Xin'er, who had already started to learn to speak.
After Lin Fu had lunch in the inner house, he kicked Gu Junxun out, saying that if he spent the day in the inner house without doing any official business, outsiders would blame women like them for being ignorant.
Lin Fu couldn't even take a day off, so he was forced to go to the front hall to handle official duties. Xiaoman was happy, and she, Song Jia and several female officials sorted out the letters that were sent up the mountain for approval.
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Lin Fu was sitting in the front hall, still thinking about the "Pawn Money Shop".
Wang Chengfu was the one who came up with the prototype. Lin Fu had the knowledge of later generations, so he naturally knew how great the benefits would be if this thing was done well.
Song Jia returned to Chongzhou first. She was the scribe of the inner code, and almost all the letters and documents that Lin Fu wanted to review had to go through her. She had also read the "Dian Qian Discussion" written by Wang Chengfu.
"We can give Wang Chengfu's suggestion a try." Song Jia saw that Lin Fu had been thinking about it for a long time with the few pages of Wang Chengfu's letter, thinking that he hadn't made up his mind yet, so she expressed her personal opinion.
"The name of the pawn shop is not nice, and Wang Chengfu underestimated the usefulness of the pawn shop..." Lin Fu asked.
"Which name sounds good?" Xiaoman asked next to him.
Lin Fu waved his hand for others to leave first. Although there were strict confidentiality rules, when discussing important matters, it was still best to try not to let irrelevant people wait.
After everyone exited, Lin Fu said: "Just use the name 'Qianzhuang'! Speaking of the use of 'Qianzhuang', do you know what a 'flying ticket' is, right?"
Xiaoman touched his head and said he was not sure.
"Eastern Fujian is a small country, and the merchants are almost in the hands of a few companies. However, Qingfeng Bank has issued a 'flying ticket', so I know a little bit about it," Song Jia said, "Are you going to let the bank also do the 'flying ticket'?
'?"
"'Fei Piao' is too unpleasant to hear, but 'Yin Piao' is much more pleasant to listen to," Lin Fu didn't mind standardizing the names for future generations in advance, and said, "Qianzhuang, Qianzhuang, and the matter of banknotes does not belong to the bank of course.
Come and do it?”
At that time, there were no specialized "banks, bank accounts" and other commercial institutions. Instead, some large-scale warehouses and trading companies began to use some flying tickets that were similar to banknotes internally for cross-border exchange because the transshipment of large amounts of money was very troublesome.
For settlement purposes.
In addition to internal settlement, Linji Warehouse also only issues flying invoices to a very limited number of people, usually Dongyang Township Party members who have business dealings.
If someone sets out from Jiangning to collect tea in Dongyang, it is very inconvenient to carry a large amount of money with him. You can first deposit the money at Lin Ji's branch in Jiangning, and then go to Lin Ji's branch in Dongyang with Lin Ji's receipt.
Withdrawing cash saves you a lot of inconvenience.
The same goes for the other way around. If you take the goods to Dongyang to sell them, deposit the money earned in Lin Ji's store in Dongyang, and then withdraw the money after returning to Jiangning, you don't have to worry about being disturbed by gangsters along the way.
Even if the Ministry of Household Affairs entrusts the Salt and Iron Department to settle grain and silver with maritime merchants in Chongzhou, only Heishuiyang Shipping Company will benefit. Other shipping merchants and grain merchants will pay grain with the grain in Jiaozhou Bay, Shandong, which is very important.
trouble.
The amount of a transaction can range from four to five thousand taels of silver to as high as four to five thousand taels of silver. The weighing of the silver is just a matter of course. Because of the poor quality, we often have to argue for a long time.
It's okay to take a boat, forty or fifty thousand taels of silver is not too heavy, but there is a risk of capsizing the ship. If you go by land, forty or fifty thousand taels of silver weighs more than three thousand kilograms. It is pulled by a few carriages. It is not to lure the thieves to steal.
Go and grab it?
It is not the time to issue banknotes at this time. With Lin Fu's limited financial knowledge, he does not know what kind of system to issue banknotes. It will be a good thing rather than a terrible bad thing, but establishing "
The bank system of "copper coins are used for small payments, silver ingots are used for medium payments, and silver notes are used for large payments" is relatively simple and much easier to control.
Lin Fu could only think about the bank matters in general terms. Lin Mengde, Sun Shangwang, even Zhou Guangnan, Sun Fengyi and others were more proficient in these matters than him, so they could fill in the details.
Of course, Lin Fu desperately wanted to build a bank, or he wanted to borrow the bank to do another thing.
Huaidong has always been financially constrained, and making money is never faster than spending money. Lin Fu has long begun to consider the possibility of borrowing money from private individuals to develop armaments.
Private individuals are naturally in awe of the government, and the Huaidong Military Division has a good reputation. Even the Zhou, Sun and other tribes, the Huaidong Military Division directly asks them to donate some money. As long as the amount is not large, they will readily agree, but with them
When borrowing money, even if they are already the core figures of the Huaidong Army Division, they will still be thinking: I borrowed it, can I get it back?
Moreover, if the Huaidong Military Division wanted to borrow money, the amount would usually be huge, often exceeding the supply capacity of a family.
Due to various concerns, Lin Fu had the idea of borrowing money to develop armaments, but he did not speak out; he was afraid that if he opened his mouth, a good thing would turn into a bad thing.
Everyone is afraid of being a fat sheep, human nature is like this, no one can blame you; it is a trivial matter to lend money out or not get it back, but it will be too late to regret it if it leads to the disaster of confiscating the family and exterminating the family.
Establish a bank, and through the bank, collect the remaining wealth in the hands of the maritime merchants and tribesmen who moved south, the local forces in Chongzhou, the Dongyang Township Party, and even the Lin people. The way for the bank to survive is to earn interest on money, lend it to merchants, and make money.
There is no big difference in essence whether the household or branch is lent to the Huaidong Military Division.
Moreover, through banks, one's fear and respect for the government can be weakened, and the structure of banks itself is closely related to the foundation of Huaidong Military Division, and has a relationship of mutual kidnapping and support.