The locust plague that occurred in Wonju and Gyeongju broke out late, and as the weather gradually became colder, the locust swarm also disappeared naturally, but Guanzhong was not affected by the locust plague from the beginning to the end.

In December, a snowstorm began to sweep across the north from west to east.

It snowed for three days in a row, and the whole sky was gray, and the snow fell from the sky in a string like a tug, and the cold wind was bitter, and the snow was so heavy that it was difficult to walk.

Every household did not go to the street, the whole family gathered around the warm brazier to cook tea and porridge, and used coal for cooking, coal has been called coal before, five years ago it was officially named coal by the King of Jin, and began to be promoted in the major cities in the north, used to replace firewood, among which Chang'an was promoted more successfully, because it was cheap and calorific, so it was gradually accepted by the general public.

Three months ago, there was a new thing in Chang'an, called honeycomb coal, in fact, it is the improvement of the briquettes that appeared last year, the briquettes are made of pulverized coal mixed with a certain amount of yellow mud, because the pulverized coal is much cheaper than lump coal, many people at the bottom are willing to buy pulverized coal, add a little yellow mud and stir it, kneaded into a briquette by hand, which is much cheaper than burning firewood, so it is welcomed by the people at the bottom, and soon it will be promoted to the entire Guanzhong.

Honeycomb coal is more convenient, it is just put into a furnace, there are many small holes in it, and it is also mixed with sulfur powder, which is easy to ignite, very convenient, although it is slightly more expensive than briquettes, but it is mainly popular with medium-sized people.

Whether it is briquettes or honeycomb coal, they are all promoted by the people's livelihood column in the "Chang'an Express", and a month ago, the "Chang'an Express" promoted a kind of soup woman, fired with copper or thick ceramics, filled with boiling water, can be put into the quilt warm quilt in advance, or can be held in the arms, is a good heating product in winter.

As soon as this kind of soup woman appeared in the newspaper, there were immediately merchants with a keen sense of smell who fired it with thick ceramics, with a small opening on it, and an inner shell at the bottom of the lid to prevent leakage, and the high-end soup woman was made of copper.

I believe that this kind of soup woman for heating will be popular throughout Chang'an this winter.

Of course, there are also scarves, masks, gloves and other warm items have been launched, and these very down-to-earth warm and cold-proof items are very popular among the people.

In the past two days, the blizzard has been raging, Guo Song did not go out, and specially rested at home for two days, and today he did not stay in the study, but sat in the lobby with his wife and daughter to chat and enjoy the rare joy of family.

"Husband, you have such a good thing, but you didn't tell me!"

Xue Tao sat beside her husband and handed her a piece of blue and white seed jade to her husband, this piece of blue and white jade weighs about a catty, like the shape of a small mountain, very round, the mountain is as black as ink, and a white and greasy jade belt like mutton fat hangs down from the top of the mountain, just like a waterfall hanging in the mountain stream, and the ink color on the top side is like gathering and scattering, like clouds and mist, and it has the artistic conception of ink and water.

It can be seen that Xue Tao loves this piece of blue and white seed jade very much, and stares at it with fascination.

Guo Song took the jade and looked at it, and said with a smile: "This is the one on the shelf in my study!" ”

"I cleaned up 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 by Anxi, called black and white seeds, also known as ink blue and white jade, it is formed by the immersion of graphite in the river into it, this kind of jade is actually a lot in the Khotan River, the quality is relatively poor, like this top ink blue and white seeds are hard to find." ”

"Give it to me!"

Xue Tao couldn't put down this piece of black and white jade like a natural ink painting, and she was a little embarrassed to think that almost all of her husband's beautiful jade had been snatched away by herself.

"I'll exchange that piece of red-skinned mutton fat jade with you, I really like this piece so much."

"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 flowers, but he knows that his wife who likes painting loves it from the bottom of her heart, and even if his wife doesn't take it, she will definitely be taken away by her daughter in a few days.

Xue Tao was overjoyed, and hurriedly returned to his house with this piece of ink blue and white seed jade.

"Ahh

Min Qiu, who was reading the newspaper, suddenly let out an exclamation, attracting everyone's attention.

"Minqiu, what's wrong with you?" Guo Song asked with a smile.

"Husband, listen to this news, you can get money by keeping it in the cabinet."

Everyone was interested, and hurriedly gathered around to take a closer look, it was in the advertising page of yesterday's "Chang'an Express", Minqiu has always paid more attention to this section, the first advertisement is that saving money in Baoyuan Cabinet can give five percent of the interest every year, that is, an annual interest rate of five percent.

This is the first time in the world, everyone has a great interest, they all have a lot of private money, not only the monthly money, Guo Song also gave each of them at least five well-located shops, and the rent of each month has nearly 100 yuan.

They generally keep their money in the cabinet, but they have to give a few dollars a year for the custody of money, now not only do not need the custody fee, but also give them money every year, they quickly calculated, save a hundred yuan, there are five yuan of money every year, a thousand yuan is fifty yuan, this is very cost-effective!

"Husband, is this true?" Dugu Youlan turned around and asked.

Guo Song nodded, "Of course this is true, the political affairs hall has passed the plan, and it will be implemented by the Baoyuan cabinet workshop, I believe that other cabinet workshops will soon follow, so let's put it this way!" This is actually that you lend money to the cabinet, and the cabinet takes your money to lend and gives you a part of the benefits, of course, the loss is his, and the cabinet must ensure your capital and interest income, as for how much money the cabinet can make, you don't care. ”

Everyone understood that in the past, they were not allowed to touch the money and other belongings they had stored in the cabinet, but now the cabinet could take out their money and lend money, and the cabinet would make a profit, and of course they would have to share a part of the benefits.

"Husband, is gold and silver okay?" Dugu Youlan asked, she has 10,000 taels of silver and 3,000 taels of gold, and she is also tempted by such a high interest.

"Of course, gold and silver can also be used, this matter should not be risky, I suggest that everyone should choose the Baoyuan cabinet, after all, it is the cabinet of the imperial court, and the loss is also the risk of the imperial court."

Min Qiu said excitedly: "When the snow stops, I will go to the Baoji Cabinet Shop to withdraw all the money and deposit it in the Baoyuan Cabinet Workshop." ”

.........

Saving money for interest is definitely a big deal, like a thunderclap exploding in Chang'an.

This is the idea put forward by Guo Song a few months ago, and after repeated discussions and revisions by the Ministry of Household for a long time, the plan finally matured, and both the political hall and the Jin King Guo Song approved this bill successively.

First of all, this business is voluntary, and at the same time, it is not something that can be done if you want to do it, it must be approved by the Ministry of Households, and at the same time, it is necessary to take a large amount of property and put it in the Ministry of Households as a credit guarantee.

Second, the Ministry of Household stipulates that the maximum deposit interest rate shall not be higher than five percent per year, and the maximum lending interest rate shall not exceed eight percent per year, and if it exceeds it, it will be heavily fined, so that the deposit will be confiscated......

There are dozens of regulations, which basically standardize this matter and control the risk.

In Chang'an East City, Baoji Cabinet Workshop, several big shopkeepers gathered together to discuss the latest promulgation of the imperial court's "Silver Money Deposit and Loan Regulations", which in addition to the imperial court's Baoyuan Cabinet Workshop, other Baoji Cabinet Workshop, Baosheng Cabinet Workshop, Baoju Cabinet Workshop, Fuli Cabinet Workshop, Baoli Cabinet Workshop and other five cabinet shopkeepers gathered together.

The shopkeeper of the Baoji cabinet stood up, coughed lightly and said: "Everyone is an insider, and they should understand what the imperial court's regulations mean, which completely subverts the cabinet shop, which is a major event that has not been encountered in a hundred years, and now the Baoyuan cabinet shop has taken the first step."

In fact, the proprietor of my house has received letters from five major customers, all of whom asked the proprietor in the letter, whether the treasure cabinet should implement the savings and interest calculation system, which means that if it is not implemented, they will have to move. ”

After a pause, the shopkeeper Pan looked at everyone and said: "I believe that everyone will face the same situation, so it is imperative to implement the calculation of interest on saving money, in fact, the implementation of saving money to calculate interest is more beneficial than disadvantageous to us, I don't know if you have seen this." ”

"Does Shopkeeper Pan mean that we can get more money to lend?" Steward Liu of Baosheng Cabinet Workshop asked.

Pan Da shopkeeper shook his head, "Not only this, the key is to get this qualification, I believe everyone knows that if you want to save money and calculate interest, you must pay a risk deposit to the household department, 100,000 yuan for inter-state cabinets, 30,000 yuan for inter-county cabinets in this state, and 10,000 yuan for this county cabinet, this condition is very harsh."

I estimate that the small cabinets in various states will not be able to do deposit interest, as long as our stores are spread out in various states and counties, these small cabinets will have to go out of business, so from this point of view, saving money to calculate interest is definitely good news for us. ”

"So what do we need to do?"

Pan Da shopkeeper hesitated and said: "What the household department means, let us set up an industry chamber of commerce to conduct self-discipline and self-examination, if we don't take the initiative, the household department will designate Baoyuan cabinet to take the lead in this matter, so Bao Ji cabinet is willing to take the lead and set up a cabinet chamber of commerce." ”