Chapter 1065 Saving money and withdrawing interest
The locust plague that occurred in Wonju and Gyeongju occurred late, and as the weather gradually became colder, the locust swarms naturally disappeared. However, Guanzhong was not affected by the locust plague from beginning to end.
As time entered December, a snowstorm began to sweep across the entire north from west to east.
It snowed heavily for three days in a row, and the whole sky was gray. The heavy snow fell from the sky like strings of catkins. The wind was freezing and the snow was so thick that it was difficult to walk.
Every household did not go to the streets. The whole family gathered around the warm brazier to cook tea and porridge. Coal was used for cooking. Coal was always called coal before. Five years ago, the King of Jin officially named it coal. It began to be used in major cities in the north.
It was promoted to replace firewood. Among them, Changan promoted it more successfully. Because of its low price and high calorific value, it was gradually accepted by the general public.
Three months ago, a new thing appeared in Chang'an, called briquettes. In fact, it is an improvement of the briquettes that appeared last year. Briquettes are made of pulverized coal mixed with a certain amount of yellow mud. Since pulverized coal is much cheaper than lump coal,
Many people at the bottom are willing to buy pulverized coal, mix it with a little yellow mud, and knead it into briquettes with your hands. This is much cheaper than burning firewood, so it is very popular among the people at the bottom, and it soon spread to the entire Guanzhong.
Briquettes are more convenient. They just fit into a stove. They have many small holes on them and are mixed with sulfur powder. They are easy to ignite and are very convenient. Although they are slightly more expensive than briquettes, they are mainly popular among middle-class families.
Whether it is briquettes or briquettes, they are all promoted by the people's livelihood column in "Chang'an Express". For example, a month ago, "Chang'an Express" promoted a kind of soup pot, which is made of copper or thick ceramics and filled with boiling water.
, you can put it into the quilt to warm your bed in advance, or you can hold it in your arms. It is a good heating product in winter.
This kind of soup dumpling just appeared in the newspaper, and immediately some merchants with a keen sense of smell made it out of thick ceramics, with a small opening on the top, and an inner shell at the bottom of the lid to prevent leakage. Higher-end soup dumplings are made of copper.
I believe that this kind of soup soup used for heating will be popular throughout Chang'an this winter.
Of course, scarves, masks, gloves and other warm items are also available. These down-to-earth warm and cold-proof items are very popular among the people.
The snowstorm has been raging for the past two days, and Guo Song did not go out. He specially stayed at home for two days to rest. Today, he did not stay in the study, but sat in the lobby with his wife and daughters, chatting by the fire, and enjoying the rare family happiness.
"Husband, you have such a good thing, but you didn't tell me!"
Xue Tao sat next to her husband and handed him a piece of blue and white jade. This piece of blue and white jade weighed about a kilogram and was shaped like a hill. It was very round. The mountain was as black as ink, and a jade belt as white as mutton fat hung from the top of the mountain.
, just like a waterfall hanging in a mountain stream. The ink on one side of the top is gathered and dispersed, like clouds and mist, which is very artistic conception of ink.
It can be seen that Xue Tao loves this piece of blue and white jade and stares at it infatuatedly.
Guo Song took the jade, looked at it, and said with a smile: "This is the one on the shelf in my study!"
"I was cleaning your room this morning and saw it. What kind of jade is this? It has such a wonderful artistic conception?"
Guo Song said with a smile: "This is just sent from Anxi. It is called black and white seeds, also called ink blue and white jade. It is formed by immersing graphite in the river into its interior. There are actually many such jade in the Khotan River, and the quality is relatively poor, like
This kind of top-quality ink blue and white seeds is hard to come by.”
"Give it to me!"
Xue Tao couldn't put it down for this piece of black and white jade that looked like a natural ink painting. She was a little embarrassed when she thought that almost all of her husband's beautiful jade had been taken away by her.
"I'll trade that piece of red leather mutton-fat jade with you. I really like this piece."
"Take it if you like it!"
Guo Song has always been generous to his wife. Although he also likes this piece of blue and white, he knows that his wife who likes painting loves it from the bottom of her heart. Moreover, even if the wife does not take it, her daughter will definitely take it away in a few days. This
Which literati wouldn’t like beautiful jade with full of artistic conception in ink painting?
Xue Tao was overjoyed and quickly returned to his house holding the piece of ink blue and white seed jade.
"ah!"
Min Qiu, who was reading the newspaper, suddenly heard an exclamation, attracting everyone's attention.
"Min Qiu, what's wrong with you?" Guo Song asked with a smile.
"Sir, please listen to this news. You can earn interest by depositing your money in the counter."
Everyone was interested and quickly gathered around to take a closer look. It was on the advertisement page of yesterday's "Chang'an Express". Min Qiu had always paid close attention to this section. The first advertisement was that if you save money in Baoyuan Cabinet, you can get 5 cents per year.
The interest rate is 5% per year.
This was an unprecedented first time, and everyone was very interested. They all had a lot of private money, not only the monthly allowance, but Guo Song also gave each of them at least five shops in good locations.
, the monthly rental income is nearly 100 yuan.
They usually store their money in a cabinet, but they still have to pay a few guan in storage fees every year. Now, not only are there no custodial fees, they also have to pay interest every year. They quickly calculated and saved a hundred guan.
Money, there is interest of five guans every year, one thousand guans is 50 guans, this is very cost-effective!
"Husband, is this true?" Dugu Youlan turned around and asked.
Guo Song nodded, "Of course it's true. The Zhengshitang has passed the plan and it will be implemented by Baoyuan Cabinet Shop. I believe other cabinet shops will follow soon. Let's put it this way! This is actually when you borrow money
Give it to the cabinet shop. The cabinet shop will use your money to lend money and give you part of the benefits. Of course, the loss is his. The cabinet shop must guarantee your principal and interest income. As for how much money the cabinet shop can make, you don’t have to worry about it.
.”
Everyone understood that in the past, the locker shop was not allowed to touch the money and other property they stored in the locker shop. Now the locker shop can take out their money and lend it out. The locker shop makes a profit, and of course it has to share a part of the benefits.
Give it to them.
"Husband, is gold and silver okay?" Dugu Youlan asked. She had 10,000 taels of silver and 3,000 taels of gold. She was tempted by such a high interest rate.
"Of course gold and silver are also available. There shouldn't be much risk in this matter. I suggest you choose Bao Yuan Cabinet Shop. After all, it is the cabinet shop of the imperial court. If it suffers a loss, the imperial court will bear the risk."
Min Qiu said excitedly: "When the snow stops, I will go to Baoji Cabinet to withdraw all the money and deposit it to Baoyuan Cabinet."
.........
Saving money to pay interest is definitely a big deal, like a thunderous explosion in Chang'an.
This was an idea proposed by Guo Song a few months ago. After a long period of repeated discussions and revisions by the Ministry of Household Affairs, the plan finally matured. Both the Zhengshitang and King Guo Song of Jin successively approved the bill.
First of all, this business is a voluntary participation. At the same time, you can’t just do it if you want to. It must be approved by the Ministry of Accounts. At the same time, a large amount of property must be placed in the Ministry of Accounts as a credit guarantee. If a certain counter shop loses money in lending
, it is not allowed to harm the interests of depositors. This is the meaning of placing deposits with the court.
Secondly, the Ministry of Accounts stipulates that the maximum deposit interest rate shall not exceed 5% per year, and the maximum lending interest rate shall not exceed 8% per year. If it exceeds the limit, heavy fines will be imposed, and the deposit will be confiscated. Thirdly, bank loans must be guaranteed, which mainly refers to property
Guarantee, fourth, compound interest is not allowed...
There are dozens of regulations in total, which basically regulate this matter and control risks.
In the Baoji Cabinet Shop in Chang'an East City, several big shopkeepers gathered together to discuss the "Regulations on Money Deposits and Loans" newly promulgated by the imperial court. In addition to the Baoyuan Cabinet Shop of the imperial court, other Baoji Cabinet Shops, Baosheng Cabinet Shop,
The top shopkeepers from five cabinet shops including Baoju Cabinet Shop, Fuli Cabinet Shop, and Baoli Cabinet Shop all gathered together.
Shopkeeper Pan Da of Baoji Cabinet Shop stood up, coughed lightly and said: "We are all insiders, so we should understand what the imperial court's regulations mean. It has completely overturned the cabinet shop business. This is something that has not been seen in the cabinet shop business for a hundred years."
It's a big deal, now Baoyuan Cabinet has taken the first step.
It's mainly been snowing these two days, and we haven't faced any impact yet. Once the snow stops, a large number of cashiers will flock to us. In fact, my boss has already received letters from five major customers, all of whom are in the letter.
Zhong asked the proprietor if Baoji Cabinet Shop should implement a system of calculating interest on deposits. The implication is that if they don't implement it, they will move."
After a pause, Shopkeeper Pan looked at everyone and said: "I believe that everyone will face the same situation, so it is imperative to implement interest calculation on deposits. In fact, the benefits to us outweigh the disadvantages.
I wonder if everyone has seen this."
"Does Shopkeeper Pan mean that we can get more money to lend?" Manager Liu Da of Baosheng Cabinet Shop asked.
Shopkeeper Pan shook his head, "Not only this, but the key is to obtain this qualification. I believe everyone knows that if you want to save money and earn interest, you must pay a risk deposit to the Ministry of Accounts and ten to the cross-state counter.
Wan Guan, the prefecture's inter-county cabinets must pay 30,000 guan, and the county cabinets must pay 10,000 guan. This condition is very harsh.
I estimate that small locker shops in various states will no longer be able to make deposits and calculate interest. As long as our stores are spread across states and counties, these small locker shops will have to close down. So from this point of view, depositing money to calculate interest is definitely good for us.
information."
"So what do we need to do?"
Shopkeeper Pan Da hesitated and said: "The Ministry of Household Affairs means that we set up an industry chamber of commerce to conduct self-discipline and self-examination. If we don't take the initiative, the Ministry of Household Affairs will appoint Baoyuan Cabinets to take the lead in this matter, so Baoji Cabinets
I am willing to take the lead and establish the Cabinet Shop Chamber of Commerce."