Chen Xu had already expected that as long as Qinghe Liquor was used as an advertisement, countless wealthy people would flock to Qinghe as soon as the store opened.

And Wancheng brings together countless businessmen in the southeast and northwest of the country, with their keen sense of smell and astute business acumen, it is impossible not to buy in large quantities, even if it is a bottle of eight thousand dollars, as long as it is brought to other cities, it can easily be sold for more than ten thousand dollars, and it must be in short supply, Daqin now occupies a vast area and occupies a prosperous place, with a population of seven or eight people such as Wancheng, and there are countless nobles and rich people left over from the Six Kingdoms, not to mention the capital Xianyang, almost half of the rich people in the country are concentrated there, Hundreds of bottles of Qinghe wine were thrown into the scope of the Great Qin Empire, and they would not even bubble and would be digested without a trace in the blink of an eye.

But Chen Xu guessed the beginning but didn't guess the ending now, the money came too quickly, which made him a little overwhelmed, and this was the result of his raising the price and reluctant to sell, otherwise all the more than 300 bottles he brought might be sold in one day today.

In the past, there was no money, but now it is a big trouble to have more money.

Daqin is too backward, and Nima doesn't even have a bank.

Looking at Chen Xu's sad face, Fan Yan hesitated for a moment and said: "Xiao Langjun, this money is indeed too huge, you must be cautious, otherwise you may invite disaster, if you believe Fan, you can transport it to me in the cellar of Wancheng for storage first, and he will use it to extract it in the future." ”

"Thank you Mr. Fan for relieving the difficulty, or let the old gentleman take care of it first!" Chen Xu thanked him helplessly.

"Xiao Langjun rest assured, Fan will never be corrupt for half ......a cent," Fan Yan said with his beard stroked.

"It's not that I'm worried about this, Fan's reputation Xu is still at ease, it's just that Xu is thinking about the future, now the world of Daqin is stable, and the merchants are bustling from south to north, whether it is buying and selling, they need to carry a lot of money every time, and the gold and copper things are very heavy, and it is inconvenient and unsafe to carry the road, if you can solve the problem of carrying a lot of money but can buy and sell goods, wouldn't it be much more convenient for the world's businessmen!" Chen Xu pinched his chin and said.

"Hehe, although Xiao Langjun's idea is good, but it is impossible, how to buy goods without money, how can you not receive money when you sell goods, gold and copper are indeed valuable, and it is very troublesome to carry, but this is always a situation that cannot be changed, it has been the case since ancient times, not today!" Fan Yan shook his head with a smile and said.

"This matter is not unsolvable, Xu has a method that can work, and it can be done without carrying gold and copper money, but many of these joints need to be smoothed, once this method is successful, the world's businessmen don't need to worry about this matter!" Chen Xu gently tapped his fingers on the table and said slowly.

"Oh, there is also this method, can Xiao Langjun explain it in detail?" Fan Yan was thrilled when he heard this.

Chen Xu looked at Fan Yan and said with a smile: "Fan Lao, it is not difficult for me to implement this method, the difficulty is that there are many joints in it, such as Qin Law, such as the attitude of officials in various places, such as the recognition of businessmen on this matter, if we want to do it, it must not be something that the two of us can do, and we need the support of many people, because once it starts to operate, the money involved in the entire Great Qin every day can be said to be millions, such a large transaction amount, if you are not careful, you will die ugly!" ”

"Xiao Langjun, don't be afraid, now there are only you and I here, out of your mouth into my ears, if Fan feels that it is indeed impossible to implement or too dangerous, naturally he should have never heard of it, but if he can really solve this big trouble of the world's businessmen, he can buy and sell without carrying money, Fan should go all out to find a way to implement it, Fan is not only a businessman, but also the leader of the entire Daqin business community today, the laws of Daqin are indeed harsh on Shangjia, but Shangjia is not without power!"

Fan Yan's face was extremely serious when he spoke.

Although he and Chen Xu met for the first time, what he saw and heard in the Qinghe store today has completely subverted his past business philosophy, whether it is a voucher or a VIP card, or an item that he has never heard of or seen on sale, plus the two have reached a contract for wine cooperation just now, although Chen Xu is young, he is no longer as simple as a teenager in his heart, he is neither humble nor arrogant, his mind is meticulous and there are few flaws, and his words and deeds are full of unique and strange feelings, such as signing a contract, I've never heard of it, but Chen Xu seems to be familiar with it.

"Since Fan Lao said so, then Xu will briefly talk about the key points...... "When Chen Xu spoke, he took a piece of hemp pulp paper from the side, dotted a few ink dots on it with a brush, and then scribbled down the names of seven or eight cities such as Xianyang, Wancheng, Luoyang, Kaifeng, Handan, Daliang, Linzi, etc., and then said, "Fan Lao, please see, these are the most prosperous cities in our Daqin today, and these places are also the most concentrated places for businessmen, and it is not an exaggeration to say that businessmen are like clouds and goods are piled up like mountains, right!" ”

"Not bad!" Fan nodded.

"These big cities also have their own stores and a lot of money that merchants carry, right?"

"Exactly!" Fan Yan stroked his beard and nodded again, but he was still confused.

"The current situation is like this, a merchant wants to go from Wancheng to Handan to buy, must carry a large amount of money and goods, the merchant in Handan to exchange the money in Handan for goods and transport back to Wancheng, and then sell, after getting the money, and then go to Linzi to buy, the money is spent and transported back a large number of goods are sold and exchanged for money again......"

"It's not strange that all merchants trade like this!" Fan Yan felt that what Chen Xu said was a complete waste of saliva.

"Fan Lao don't worry, Xu will get to the point right away!" Chen Xu pointed to a few lines drawn by himself with a brush and said, "In fact, gold and copper coins are also equivalent to a kind of goods, which are transported by merchants in different cities, and money for buying and selling goods is a necessary thing, but I don't think it is necessary to bring them, not to mention the long distance, safety is also a big problem, the current situation is that Handan has a lot of money, Wancheng also has a lot of money, if the merchant stores the money in the hands of an intermediary merchant in Wancheng, and then goes to Handan to borrow it in the hands of another intermediary businessman to buy goods, Wouldn't that solve the problem of money, and you don't have to walk around with a lot of money......"

"Well, this method is indeed possible, our Fan family has its own commercial properties and manpower in many cities, and sometimes we will withdraw money nearby, but if we find an intermediary businessman, how can he lend money casually?" Fan Yan asked very suspiciously.

"This is the most critical place, this intermediary businessman is the most critical and core part of solving this matter, if you can set up a special intermediary called Qianzhuang, in Handan and Wancheng specializing in loan loans, the two places through a mutually agreed token as a certificate, for example, I want to go to Handan to buy goods worth 100,000 yuan, I have money in Wancheng, so I will deposit 100,000 money in Wancheng to Qianzhuang, get the deposit certificate issued by Qianzhuang, and then take this certificate to Handan. After arriving in Handan, go to the money village, use this voucher to take out the money and buy the goods, and Handan also has merchants who operate like this, deposit money in Handan money village, take the voucher to Wancheng to purchase, the goods circulate in the two places, but the money does not need to be brought, and the merchant must pay a certain deposit and loan fee to the money every time he deposits and withdraws, which cannot be too high, and must be within the scope of the merchant......

"Hiss~~" As a family of generations of businessmen, Fan Yan instantly figured out the principle, and suddenly couldn't help but take a sharp breath, and his excited face twitched vigorously: "Fan understands, not only Wancheng and Handan, as long as the money is opened to all cities, then in the future, merchants in the southeast and northwest will not need to carry money to buy and sell goods, and only need to rely on tokens to deposit and withdraw money anywhere, this method is too ...... It's incredible, but it's completely possible, but it needs a lot of strength to keep the money safe! ”

"Yes, security is the joint, whether the laws of Great Qin allow such operations, whether the local officials support it, and whether the merchants accept it, these are all problems that need to be solved!" Chen Xu dropped the brush and said.

"Xiao Langjun is right, this matter is more troublesome to operate, but it can easily solve the problem of buying and selling money!" Fan Yan nodded again and again.

"In fact, there is also an advantage of the money village is that it can make use of the excess money in the hands of many businessmen, the reason why Xu thought of this problem just now is because he just got this large amount of money, if it is useless at the moment, it will be piled up in the treasury in vain and rusty but useless, which is also a huge waste!"

"Merchants don't come and go, and the money can only be placed in their own warehouses and cellars, and there is no way to waste rust!" Fan shook his head.

"No, if there is a bank, the money can naturally be used, and we can use the interest method to let the businessman deposit the money that he does not use on weekdays into the money bank for our use." Chen Xu said.

"What is the method of interest?" Fan Yan's face changed again.

"Interest is to give a certain monetary subsidy according to the amount of deposits according to the time, for example, if you have a sum of 100,000 yuan piled up in the treasury but do not use it, then it will be deposited in the bank, and the bank will pay you an extra 200 yuan per month......"

"But what is the use of the 100,000 yuan in the bank? Isn't it or can only be piled up in the warehouse? Fan Yan was puzzled.

"No, the money bank can lend this money to merchants who need it urgently at the interest rate of 1,000 yuan per month!"

"What if he doesn't pay it back?" Fan Yan asked in surprise.

"Hehe, this needs to be evaluated according to the businessman's credit on weekdays, for example, those businessmen who borrow more frequently and have good credit in the money bank on weekdays can naturally borrow money, which is naturally risky, but every time you need to sign a detailed loan contract, once you don't pay it back, you can go to the government to sue him."

"This method is indeed feasible, using interest as bait, many people will deposit the money they don't use into the bank, and the money bank can lend the money to the merchant at a higher interest rate to get several times the return, completely empty ......" Fan Yan quickly understood the truth again, and at the same time, Chen Xu's eyes completely changed, just like looking at an alien.