Qin Bai quickly put what had just happened behind him. I've had enough troubles on my body, and I can't control that outlaw at all. The reason why the money is given is nothing more than that the young woman who gave birth to the child is more pitiful, and the little lady Ding and Wen Po are more pitiful (the reason will be said later, if you are interested, you can also guess). As for whether the big jackal will come over and die? Qin Bai didn't care about it at all.

However, it is true that there is a lot of money spent today, and there should be more cash around me. Let Fusheng and them lead the sick people back first, and after asking the location, Qin Bai led Qin Gao and Li Dang to the Fenglong money shop.

The location of the Hong Leong money shop is almost to the center of Zhuangzi, with heavy bluestone walls, tall facades, and many pawnshops on both sides, this whole street should be the financial center of Jingjiazhuang.

It had been a while since he traveled to this era, and Qin Bai had somewhat understood some basic information. In this era, there were basically two types of financial institutions: pawnshops and money banks. In addition to pawns, the pawnshop's business also has small loans to the outside world, which is often referred to as nine out of thirteen. At the time, this was not much of a loan shark. It is considered a "normal loan" with relatively high interest.

By the way, as in modern society, usury is also a very bad black money in this era, and the average wealthy family will never touch it if they pay attention to reputation. But opening a pawnshop is different, this is a normal business, so many pawnshops have wealthy families behind them. Of course, without the backing of wealthy families, pawnshops cannot be opened. For example: Isn't Wang Xifeng in "Dream of Red Mansions" just lending usury to the outside world, and was scolded by Mrs. Jia after being exposed?

And the main force of usury, in addition to those who are splashing and gangsters, is mainly ...... Monks and Taoists in major temples. Don't think it's a joke, the temple has pilgrims constantly worshipped, and there is no need to pay taxes, there is a lot of spare money in hand, and there are also stick monks and warrior monks who protect the temple, and it is convenient to collect debts violently, and the success rate of debt collection is extremely high, far exceeding those modern debt collection companies, because everyone is afraid of Shaolin Wudang's joint pursuit.

As for reputation...... People outside the party never care, the little monk is poor and poor for the Buddha Sanqing to shape the golden body. As a result, all kinds of financial businesses are booming, and even new ones are being introduced. For example. During the Northern Song Dynasty, Daxiangguo Temple began to sell lottery tickets. This should be the earliest gambling industry in ancient and modern China and foreign history, right?

The business of the bank is generally a large deposit and loan, as well as a large amount of bill payment. You should be familiar with silver tickets, which are found in many literary works. However, the business of foreign exchange in different places is not very wide, let alone the world Tonghui. In this era, the cross-border exchange was only developed at both ends of the Grand Canal and in a few large cities along the route.

In addition, in maritime trade, such non-local exchange is quite popular. In the coastal areas of Yuegang and Macao in Fujian, Nagasaki in Japan, and Manila in the Philippines (Spanish colonizers at that time), ...... maritime merchants could go to the local money banks to apply for foreign currency bills.

As for the money shop? It can be seen as a miniaturized bank. There are also small loans, and the issuance of silver bills is the kind of document that Qin Bai holds in his hand, but there are generally no large loans or foreign exchange in different places. The main business of the money shop is money exchange. It is to exchange silver for copper coins, copper coins for silver, miscellaneous silver purified and smelted into better fineness silver, and so on. Although the business is trivial, it also plays a very important role in financial services and supplements in this era.

Hong Leong Money Shop is such a money shop. Therefore, as soon as he came to the door, the third shopkeeper of the money shop led the man to greet him: "Distinguished guest, please!" What do you command? "I don't judge people by their appearance, and my attitude is warm and thoughtful.

As soon as he first came back to the financial institutions of this era, Qin Bai was more curious, and while looking around, he took out the slip in his arms: "You're welcome, I'm here to withdraw money." ”

The third shopkeeper glanced at the slips and hurriedly welcomed Qin Bai in. Interestingly, the money shop does not look like a business shop at all, but is decorated like the front hall of a large family entertaining guests. Welcomed Qin Bai to a guest table and sat down on the side of the square table, and the guy served hot towels and hot tea to a few people, and a wealthy middle-aged man in his early forties immediately turned out of the back hall, and gave his hand with a smile: "There is a loss of welcome, this should be the second master Bai of the East Second Fang, right?" Under the surname Zhang, he is barely the big shopkeeper. ”

"Shopkeeper Zhang." Qin Bai hurriedly returned the salute.

Shopkeeper Zhang sat down on the main seat: "Second Master Bai, are you the same as before?" Half of the cash silver, half of the copper coin, sent by the car to the East Erfang your house? ”

Qin Bai was suddenly a little strange: "Presumptuous, why do you want half a copper coin?" "It's not that those copper coins can't be used, and they can be issued to their subordinates in the future. The main thing is that it's not very convenient now. Although the service attitude of Hong Leong Money Shop is still very good, they promised to send a car to deliver it. But the 652 taels of silver are forty or fifty catties, and the three of them can easily carry them away. It's better than that bunch of copper coins, right?

"Oh." Shopkeeper Zhang smiled, but he didn't hide it, or he wasn't afraid to tell the truth to Qin Bai at all.

It turns out that this Jingjiazhuang can basically be divided into two consumer groups: one is the caravan that comes to purchase iron or other commodities for trade, which is basically a large transaction, and the use is silver; The other is that the residents who live and work here have relatively low incomes and usually use more copper coins. Therefore, the Hong Leong Money Shop acts as a financial lubricant in this area, so that there will be no shortage of a certain currency in the market through exchange. By the way, you can also earn a lot of fees in it.

However, there is certainly no absolute balance here. Especially whenever the caravan leaves, it will definitely exchange most of the copper coins in their hands for silver taels that are easy to carry. Therefore, for Qin Bai's downline, it is stipulated that half of it must be forcibly exchanged for copper coins. Balance is one reason, and making money is another. The shopkeeper also hinted by the way that this Hong Leong money shop was opened by Hefu.

After knowing the reason, Qin Bai felt that he had gained a lot of knowledge. I also understand why Niu Sanye has that basket of copper coins. However, another question appeared: "Shopkeeper Zhang, I still have to ask for advice, can there be a difference in the exchange of this silver tael and copper coins?" ”

From the experience of playing games in his previous life, Qin Bai always thought that what a gold coin was exchanged for 100 silver coins and a silver coin for 100 copper coins, Qin Bai always thought that this era was the unified exchange rate set by the government - one or two silver coins for one thousand copper coins, that is, consistently. Why is there a price difference in it again?

In fact, this is Qin Bai's loneliness. Since he had been handling small sums of money since he crossed over, he didn't need to exchange it at all, and he didn't know that there was such an exchange. Even when looking for money, the difference is so small that it's easy for people to ignore it.

And this is also a common situation, in this era, many people may not be exposed to this exchange rate for the rest of their lives, and they will not step into financial institutions such as money shops.