Qianzhuang is not big, covers an area of only two acres, but all around are built with heavy bluestone to form a wall nearly zhang high, the house is also all made of bluestone and rough wood, the doors and windows are extremely heavy, there is a wooden plaque hanging on the street, on which the bronze cast "Huaxia Qianzhuang" four big characters in seal, in the spring sunshine golden light.

Chen Xu looked at this plaque directly, and felt as if he smelled a strong smell of copper.

Although Daqin's business is not developed now, and even very weak in Chen Xu's opinion, as long as this thing can operate successfully, it will greatly promote the development of commerce.

The people of the Qin Dynasty are not full of food and clothing, but it does not mean that the food is really not enough to eat, just he knows that in the granary of the county government of Pheasant County, there are nearly 60,000 stone of grain, which is enough for the entire population of Pheasant County to eat for half a year, enough for the people of the county to eat for five years, but these grains have never been used, this is the grain of the Great Qin Emperor, is the reserve grain of the imperial court, to be used to subsidize the conscription of the people to serve and deal with the war, even if it is a famine year, it will not be distributed to the ordinary people, every year until the new tax grain is paid, The grain would then be transported to the bitter cold of the northwest to feed the slaves who built the Great Wall or sold to the great merchants, and then most of it would go to the breweries or the copper and iron workshops outside Wancheng.

And with the unification of the six countries by Daqin, there has been no war in the past two years, so the farmers are safer to farm, the output is more than before, and the grain in the granary is also piled up more and more, and the large and small granaries set up by Daqin in the country are all accumulating millet like mountains, and there is a record in Yunmeng Qinjian: there are granaries of 10,000 stones everywhere in Qin, and the granaries of Liyang are 20,000 stones, and Xianyang is even more terrifying, it is directly 100,000 stones, and here is a round warehouse, and each granary has more than one warehouse, There are many.

The Chen Liucang, the boiling warehouse, the Bashang Cang, the Liyang Cang, the Xianyang Cang and other tools set up by the Great Qin can ensure that the entire population of the county where the granary is located can support more than ten years, and the grain is piled up more when Qin II.

In addition, when the Qin State conquered Shu, it directly used 100,000 people in Bashu and 10,000 ships to transport 6 million stone grain from Dudao Cang and Chengdu Cang for logistics, and the ships on the entire Yangtze River floated like clouds, connected from end to end, and that kind of terrifying scene had never been seen in ancient times.

Therefore, since the Shang Dynasty changed the law, the Qin State has never been short of food.

It's just that in this era, the people in power don't treat the common people as human beings, they are the objects of exploitation and oppression, everything is for the king's power, everything is for the emperor's goals, children are used as adults, women are used as men, and men are used as animals.

After Shang Ying's change of law, the laws were harsh and terrifying to the point that they did not close their doors at night, but this kind of tranquility that was not constrained by morality was actually the most cruel suppression and exploitation, resulting in extreme poverty among the people, and the result was that the country was richer and poorer, and the people's grievances were accumulating more and more. It must be suppressed and eliminated by decree by force, and the country is strengthened by law, and the final outcome is that Daqin is really strong, and then Shang Ying himself was killed by his own decree.

Lü's Spring and Autumn Period said: The whole must be lacking, and the extremes of things must be opposed.

When a thing is carried forward to the extreme, that is, when it begins to collapse, and the final outcome of Great Qin is also to prosper and die in harshness.

After the death of Qin Shi Huang, the nobles of the Six Kingdoms led the people to overthrow Great Qin under the pretext of harsh laws and brutality.

Today's Great Qin, in fact, as long as the laws and regulations are slightly loosened to the common people, the exploitation and oppression are not so strict, the common people can be fed and clothed, and even if the nobles of the Six Kingdoms rebel, it will not directly lead to the death of the second.

Therefore, in the Han Dynasty, the authorities began to reflect on the reasons for the collapse of the Great Qin, adopted the concept of Huang Lao's inaction, abandoned a large number of evil laws, and cultivated the people, which created the greatest dynasty in Chinese history, established the status of one of the four major empires on the earth during the same period, condensed the blood of the Han family, and created a glorious civilization of 2,000 years in China.

Daqin is not short of food, but Chen Xu is powerless to change this situation at the moment.

But as long as the laws are loosened and changed, commerce will inevitably flourish.

Therefore, get the bank out in advance so that the business can easily get into battle.

The next step is to find the best opportunity to meet Qin Shi Huang and ask him to change this strategy of ruling the country harshly.

This method, Chen Xu has been thinking about it for a long time, maybe when Qin Shi Huang is touring the southeast this time, as long as that incident happens, changing the future of Great Qin may be successful.

Accompanied by Fan Yan, Chen Xu walked into the money village, facing a one-meter-five high counter, all of which were made of thick oak wood, separated by a bronze egg thickness railing, and several rooms next to it were hung with plaques such as credit, storage, management, meeting rooms, and employee passages.

At this time, there was a group of children and a few men dressed as scribes in the bank, busy inside, learning abacus cracklingly.

These children are students of Qinghe Town Primary School, after learning mathematics and abacus for several months, they have been able to perform not complicated addition, subtraction, multiplication and division operations, and can also recognize and write common words, the main purpose is to teach the helpers of Qianzhuang to learn the application of abacus and Arabic numerals, followed by learning management and management with Qianzhuang, once the time is ripe, these children will become the foundation and driving force of Daqin's economic development.

"The Fan family is worthy of being the leader of the Great Qin business community, and it has been well prepared in such a short time!" Chen Xu couldn't help but praise Old Man Fan.

"Xiao Langjun is too famous, all of this is actually made according to your drawings and ideas, and Daliang's money village has also been prepared, now just wait for your seal to be made, the money village can be officially opened!" Fan said with a smile.

"It just so happens that this time I also brought the method of making the seal letter and the account book!" Chen Xu nodded, and instructed Wang San to go to the horseback to get the blanket package, open it and take out two pieces of unusually smooth and smooth black wood that was one foot long, five inches wide, five inches thick, and three inches thick.

"This is the seal?" Fan Yan looked at the two heavy pieces of ebony in confusion.

"No, this is a printing engraving!" Chen Xu took out another piece of snow-white flat bamboo pulp paper, on which was drawn with ink lines the appearance of a deposit slip.

"Fan Lao, this is the special voucher for deposit and withdrawal, I have already drawn the style, you only need to find a craftsman who is good at carving, and the pattern on the voucher is completely engraved on the engraving, and then you can easily print it out and seal the letter!"

"What do you mean by a few strange symbols in the upper right corner?" Fan Yan took the first deposit slip in human history and asked curiously by pointing to the three English characters of QSH in the upper right corner.

"Hehe, this is just a synonym for the name of the era, in order to avoid the emperor's name, you don't have to care!" Chen Xu said with a smile.

"And what does the back string of circles and forks mean?" Fan asked, pointing to the row of characters behind QSH.

"This is the key point of certificate anti-counterfeiting, you have seen the abbreviated numbers from 0 to 99 and can recognize them proficiently, right?" Chen Xu asked.

"Yes, the old man has learned to recognize with these children!" Fan nodded.

"A string of symbols here is according to the year, month and day to form a string of numbers, after these vouchers are printed, the number in triplicate must be exactly the same, respectively stamped with black, red and green three different colors of seals, respectively, indicating the stub, customer and bookkeeping triple vouchers, and the content of these three vouchers is required to be exactly the same, the stub is filled in by the personnel who handle the deposit, and then sign their own names and stamped their own seals, and the second copy is filled in by the reviewers, and they must also sign their own names and stamp their own seals. The third copy is filled in by the third reviewer, the same must be signed and left a seal, and finally the three vouchers are handed over to the bookkeeper to review the correct and then handed over to the deposit customer to sign and draw, and finally stamped with the seal of the bank, even if the deposit is finally completed, the stub copy is handed over to you by the housekeeper of the bank to be kept for future review, the second copy is handed over to the customer to withdraw money, the third copy is kept by the bookkeeper and registered in the account book, when the customer comes to the bank to withdraw money, The handling personnel must strictly check the seal and signature handwriting of the reserved handling personnel to release the money, recover the voucher and stamp the withdrawal seal, and finally send it to you to arrange a special person to check the stub and bookkeeping, and finally do the verification and sealing ......"

Chen Xu explained the operation steps of deposit and withdrawal to Fan Yan in great detail according to the model of commercial banks in later generations, and at the same time explained the details and requirements of the engraving production clearly.

The more Fan Yan listened, the more surprised he became, completely shocked by Chen Xu's whimsical and strange ideas, he couldn't figure out why Chen Xu had so many strange ideas that had no root and no reason.

"Xiao Langjun, the old man is so impressed by your unbelievable ideas!" Fan Yan looked at Chen Xu deeply, and then said excitedly and inexplicably, "According to your arrangement, not to mention that this snow-white paper cannot be imitated by others, just this whole complex process of repeated review will never be able to be faked by others." ”

"In fact, I only hope to ensure the safety of customer deposits, but also to strictly restrict the internal management of the bank, to prevent the helpers from stealing or colluding with others to defraud the money of the bank, no matter how big or small can sit until the water does not leak, otherwise a negligence and poor pool will cause major property losses, and the final destruction is the reputation of the bank.

"Xiao Langjun is right, people do not stand without trust, business is expensive in the word integrity, the ancestor Tao Zhu Gong has left precepts in business and economics, and my descendants of the Fan family dare not forget their roots!" Fan Yan respectfully saluted Chen Xu again.

"Tao Zhu Gong's realm of doing business, not what we can learn, but even a little fur, but also to be able to make businessmen have roots, not to deceive, integrity-based, since I cooperate with Fan, I also hope to be able to carry forward this concept, all say that the gentleman is righteous, the villain is profitable, businessmen in the eyes of some sages, are all villains, but I wait to make money clearly, spend money cleanly, do not take ill-gotten gains, do not do bad things, upright people, we and other businessmen have etiquette and integrity, why can't they be called gentlemen? It's just that a gentleman loves money and takes it in a good way! ”

Chen Xu's words were like spring thunder, and Fan Yan was moved to tears in an instant.

After so many years, he finally heard a word from the mouth of a Great Qin official that shocked everyone, the merchant ...... The businessman who is discriminated against by everyone actually has the essence of a gentleman.

"A gentleman loves money and takes it in a good way...... Fan Yan repeated this sentence in his mouth, and his gray eyebrows and beard were trembling.

"Fan Lao, you take this engraving plate and let the carver quickly carve it out, including the seals of the handling personnel, after all the preparations are completed, we will do a simulated drill of deposit and withdrawal in a few days!"

"Mock walkthrough?"

"Yes, it is to arrange some people to pretend to come to the bank to deposit and withdraw money, so that the handling staff can familiarize themselves with various procedures and rules as soon as possible!" Chen Xu nodded.

"This method is really good, it really needs to be practiced first, so as not to get the time when the handling personnel are not familiar with the rules except for mistakes!" Fan Yan nodded again and again, and hurriedly arranged for someone to take the ebony board and the deposit voucher drawn by Chen Xu to find the best carver in Wancheng to make the engraving.

"By the way, Fan Lao, I have opened a theater in a Qinghe inn next to the Qinghe store, you can help me send an invitation out, and invite some famous scholars and businessmen in Wancheng to watch the ...... in a few days."

……