In the hall of the bank in Mojia Village, Master Shen handed over the three checkbooks to Qin Huaiyu and the others, and solemnly instructed: "The handwritten amount of the check can be paid, although it is convenient, but you can't see the cash, it is easy for people to get lost, you and the three of you should be cautious about using it, and this check can only be cashed in Chang'an City, you should remember it." ”

"Master, don't worry, we will keep it in mind." Qin Huaiyu and the three of them said respectfully as if they were in the country.

When he was teaching in Guozijian, Shen Fuzi was extremely strict, and the Tianzhu digital incident at the beginning doubled the prestige in the hearts of Shen Fuzi's students, not to mention that arithmetic was the best subject that Qin Huaiyu and the three of them learned, so he naturally had great respect for Shen Fuzi.

When Shen Fuzi saw the three of them so obedient, he couldn't help but sigh with emotion, the three most naughty students in the Guozijian at the beginning had become the pillars of the country.

However, without waiting for Shen Fuzi to be relieved for too long, he saw that Qin Huaiyu and the three of them had just walked out of the bank hall, and their original forms were suddenly revealed, and they jumped up with joy, waving the checkbook in their hands, and left happily.

"This kid ......," Master Shen couldn't help but shake his head and laughed.

"Master, rest assured, although the three of them love to play, they are very measured in front of the big right and wrong." Morton walked over from the side and said with a smile, he and Qin Huaiyu are familiar with the three of them, and they know the temperament of the three of them very well, they are probably just for show.

"And with the publicity of the three of them, I am afraid that the check business of Mojiacun Bank will be carried out very smoothly." Mo Dun said with a smile, Qin Huaiyu and the three of them are simply living advertising cars, with them, in three days, the upper nobles of the entire Chang'an City will know about the check business of Mojia Village.

"You're going to promote the checking business?" Shen Fuzi was surprised, he always thought that the check business was prepared for the Mo family alone, and Qin Huaiyu and the three of them were just making an exception.

"That's nature! It has never been the concept of the Mohists to enjoy it alone, and the cheque business will naturally serve the public. Merton nodded.

"If someone else signs, you can go to the bank to get money, but there are a lot of risks involved!" Shen Fuzi said worriedly, Qin Huaiyu and the three of them naturally trusted, plus there was also the foundation of the food city's dividends, so there was no need to worry about repaying the debt.

However, if some scammers open checks and maliciously defraud money, then the price will naturally be great.

Merton nodded and said: "This is naturally to be wary of, all the people who handle checks are customers of the bank, and they must have a certain deposit in the bank as a deposit, and they must go through the qualification review, but not everyone can open a check casually." ”

Shen Fuzi nodded, in this era, credit is extremely valued by the world, examples of promises abound, and people with heads and faces will naturally not be repaid, besides, each checking account has a limit, and if there is fraud, you can also stop losses in time.

"But how can we make a profit when we take a huge risk?" Shen Fuzi frowned and said, banks are dealing with money, and the last thing they can do is a loss-making business.

"Annual fee!" Merton said solemnly.

"All checking accounts are subject to an annual fee, and a monthly bill must be sent to the checking customer, and if the limit is exceeded, the customer must be urged to repay in time so as to stop the loss in time."

"What if someone maliciously refuses to pay the overdrawn check?" Master Shen frowned.

Merton said with a smile: "Then you have to cooperate with Master Han, there is a check in black and white, and only the law of the Tang Dynasty will punish him!" ”

"Brother Han!" Shen Fuzi couldn't help but suddenly realize, and his heart suddenly became a little more transparent about the operation of the bank.

For the position of the bank's chief manager, although Dr. Shen has just started, he is extremely satisfied, this is not the rich remuneration given by Merton, but also psychological satisfaction, in any era, the most satisfying one is power, the other is money, and the money handled by Mojia Village Bank every day is a huge number, which is much stronger than a doctor of arithmetic.

And when he came into contact with the bank, he found that this is the holy land of arithmetic, and all the operations of the bank are under the control of numbers, which is extremely sophisticated.

"This is the future of arithmetic!" Shen Fuzi was extremely excited, and immediately returned to the bank with confidence and continued to work.

"Today, when our brothers get together, we must not get drunk and not return!" In a restaurant, Qin Huaiyu's face was flushed with excitement, and he greeted the gentlemen in a loud voice.

"Brother Qin is so happy today, could it be that he has made a fortune?" Li Zhen, the eldest son of British Gong Li Ji, raised his glass and smiled.

"Rich?" Qin Huaiyu smiled contemptuously and said, "How can Qin Mou look at those copper-smelling things, from now on, Qin Mou will not bring a penny when he goes out." ”

"Brother Qin is really noble, I admire him." A kind of squirm coaxed one after another.

"But since Brother Qin is penniless, why can't I wait for an overlord meal this time?" Liu Renshi, the eldest son of Liu Hongji, the Duke of Kui, was surprised.

The others immediately looked at each other, they didn't know what kind of medicine Qin Huaiyu was selling in the gourd, Qin Huaiyu had a treat but was penniless, if they wanted to eat a bully meal in their capacity, naturally no one dared to stop them, but if it reached their father, I am afraid that the price paid would be extremely painful.

"Overlord meal!" Qin Huaiyu raised his eyebrows, looked around and said proudly: "Is the little brother the kind of person who eats overlord meals?"

"Yes!"

All the gentlemen glanced at each other and nodded their heads one after another, but they knew that Qin Huaiyu's family education was extremely strict, and his money was very tight on weekdays, in order to make money, he could even do it in the matter of setting up a gambling game in the Guozi Prison, only in the past two years with the Mo family, with the dividends, this is the time to become rich, the previous black history, how can the children of the gentlemen forget.

Xiao Er, who was waiting on the side, almost didn't cry, if these gentlemen ate the overlord meal this time, I'm afraid he would be the most unlucky.

Qin Huaiyu was suddenly angry by these bad friends, and said with a smile angrily: "You are simply lonely and unheard, who said that you can't pay the bill without bringing money, let you see and understand today." ”

A group of gentlemen cast disdainful glances one after another, and it was the first time they had seen that eating the overlord's meal was so fresh and refined.

Qin Huaiyu waved his hand, took out the checkbook from his arms, picked up a pen and wrote the amount on the check, and solemnly signed his name.

With a stabbing sound, Qin Huaiyu tore off the check and threw it to the shopkeeper in a chic manner: "Take it, the extra will be your tip." ”

"A piece of paper?" The shopkeeper almost couldn't hold back his crying, he didn't expect that Qin Huaiyu wouldn't eat the overlord meal, and he would use a piece of paper to pay the bill.

"It's ............ Cheque? ”

The shopkeeper doesn't know the goods, it doesn't mean that the gentlemen don't know the goods, and suddenly everyone gathered around, snatched the check from the shopkeeper's second-hand, and looked at it strangely.

"Yes, this is the check, the check from the Mojia Village Bank, as long as you take the check to the Mojia Village Bank, the amount of this check will be exchanged for real money." Qin Huaiyu said proudly.

"Check, didn't you say that Mojia Village was specially designed for Mojiazi?" Li Zhen said in surprise.

"That's natural, but I have a lifelong friendship with Brother Mo, I have been through the same window, I have carried a gun, and the younger brother wants a check, so Brother Mo naturally refuses to allow it." Qin Huaiyu boasted.

Everyone didn't doubt Qin Huaiyu's words, after all, he and Mo Jiazi were classmates, and their relationship was extremely iron, and they were already known to everyone.

Everyone took turns looking at the check, and then the check was delivered to the shopkeeper.

"Can this really take money?" The shopkeeper was skeptical, he had naturally heard about the check, but it was the first time he had encountered this kind of thing, so how could he not doubt it.

"Don't worry, you go and come back quickly, I will definitely wait for you to come back?" Qin Huaiyu waved his hand.

"Qin Gongzi's reputation, I can still trust it, you go to the Mojia Village Bank, and I will arrange for the food to be served!" When the shopkeeper heard the news, he signaled the shopkeeper to withdraw the money.

Soon, one by one, the delicacies came up, but all the delicacies were eating absent-mindedly, and the delicious delicacies of the past could not arouse their appetite, and everyone's attention was involuntarily placed downstairs.

"Shopkeeper, I'm back." The shopkeeper who went to cash the check ran back out of breath.

"What's wrong, what did Mojia Village Bank say?" The shopkeeper said anxiously, he seemed to believe Qin Huaiyu, but he didn't want to offend these gentlemen, if the check could not be cashed, then it would be embarrassing to go to Qin Huaiyu to ask for money.

"The Mojia Village Bank has cashed it, and it is all full of silver." The shopkeeper took out a few pieces of silver from his arms and put them in front of the shopkeeper.

"It's true?" The shopkeeper checked the silver one by one, and all of them were real, which couldn't help but be surprised. I don't know if he's talking about silver or checks.

"A few young masters, the check has been cashed, this is looking for your silver!" The shopkeeper deducted the meal fee and sent the remaining silver to Qin Huaiyu's box on a tray.

"Wow!"

Suddenly, there was an uproar among the gentlemen, and the check was an eye-opener for them, and no one thought that a simple signature could be used as silver.

"I've rewarded you, how can this young master let these copper stenches defile his hands." Qin Huaiyu was extremely proud, and made a noise with the checkbook in his hand.

"Thank you, Young Master Qin!" The shopkeeper immediately smiled.

A group of gentlemen saw this scene with envy, when it comes to rewarding, they are sometimes much more generous than Qin Huaiyu, but in any case, they are not as good as Qin Huaiyu's scenery this time.

"Brother Qin, Brother Qin!" Suddenly, Li Zhen flattered Qin Huaiyu.

"What do you want to do?" Qin Huaiyu had goosebumps all over his body, and hurriedly moved back.

"Brother Qin, you have such a good relationship with Brother Mo, why don't you talk to Brother Mo and get a check for your younger brother?" Li Zhen pleaded.

"yes, I'll get a check later." A crowd of gentlemen coaxed.

It's not just that they don't have any money, but this method of paying by check is so cool, it's just too much of an appetite for a kind of squirrel.

Qin Huaiyu raised his wine glass and drank it proudly: "Friendship is friendship, even brothers have to settle accounts, but the younger brother used the dividends of the food city to exchange for a thousand checks." You also want a check, I'm afraid you have to show your sincerity! ”

"Isn't it just money? Tomorrow, I will take the money and put it in the Mojia Village Bank. ”

"That's it, the last thing my brothers lack is money!"

……………………

The ladies shouted that they had no shortage of money, what they lacked was these ways of displaying, and the cheque was to meet their needs.

Soon, with the handling of the cheques of a group of gentlemen, the cheque payment method soon became popular among the upper-class nobles of Chang'an City, and soon became a status symbol.

The credit era of Datang has arrived thousands of years in advance.