October of the thirteenth year of Orthodoxy.

The Haoqiang, gentry, and large families in Shandong, and even the officials who have a good relationship with Yushan Town have received an invitation, and Liu Juntao, the general manager of the Yanzhou Prefecture People's League, invited everyone to Yushan Town as guests, saying that there is a big business that makes silver out of silver, and he wants to do it with everyone.

As for what kind of business Liu Juntao said to everyone, Tang Yu was already very clear at this time, in fact, it was the ticket number that later generations said!

The predecessor of the ticket number has appeared as early as the Tang Dynasty, but there are several different theories about when the specific ticket number appeared.

According to Chen Qitian's book "Shanxi Ticket Zhuang Strategy": "It is said that it started with the Kang (Kang) clan in Shanxi. When Li Zicheng left, all the gold was inconvenient to carry, so he put all the gold and silver treasures in the army in the courtyard of Kang's and left, Kang (Kang) suddenly found 8 million taels, so after that, he changed the Shanxi exchange side business from seeking convenience for ordinary people to his own business, and specially created a ticket number, and the giant merchants in the place were surnamed Kang. Xu Ke, a close friend, said in "Qing Pi Banknotes": "According to legend, Li Zicheng of the Ming Dynasty took a huge amount of money to defeat Shanxi, and died, and Shanxi people got their money to set up a ticket number."

Some people also think: "Shanxi ticket numbers were produced during the Kangxi period of the Manchu Qing Dynasty, but at that time, there were few ticket numbers, and it is certain that there would not be too many." According to the "Collection of Mr. He Yimen", when He Zhuo was at home in the last years of Kangxi, due to the embarrassment of life, he once put "all winter clothes in the opposite door, because the skin money is particularly heavy", and he could not redeem it, so his family remitted 90 taels of silver from Suzhou to Beijing Tianhui, so that he "redeemed the leather jacket first". According to Kangxi's 40th year's "Kangxi Southern Tour Secrets": "When the Jinan ticket number is suitable for silver entanglements, Shimin must take care of it himself."

The "Rise and Fall of Jin Merchants" published in the 12th year of the Republic of China said: The ticket merchant business is a very famous business in Shanxi, "the founding of the middle of the Qing Dynasty, when Qianlong and Jiaqing". Li Hongling's "The Success and Failure of Shanxi Ticket Merchants" said: "Tracing back to the industry of our ticket merchants, the founding of the Kangxi and Qianlong eras of the Qing Dynasty." Fan Chunnian's "Organization and Evolution of Shanxi Ticket Number" said: "Lei Lutai and Li Zhenghua founded the Rishengchang ticket number in the second year of Jiaqing".

Liu Juntao knew all these situations, but Liu Juntao did believe that bills of exchange (bills of exchange) had appeared in the late Ming and early Qing dynasties.

At that time, Gu Yanwu said in "Daily Knowledge": "The rise of the banknote law, because the previous generations did not use silver as the currency, and suffered from the weight of money, it was established that this law was established, and Tang Xianzong's flying money is now the meeting ticket."

The so-called "flying money" is a way of exchanging money from other places, which originated in the time of Tang Xianzong. At that time, commerce was developed, coins were inconvenient to carry, coins were scarce, and money was forbidden to leave the country in various places, so merchants in Beijing from all over the country would hand over the money obtained from the sale of goods to the Jinsoin and the military envoys and other organs stationed in Beijing, or to the wealthy merchants who had joint numbers in various places, and the agencies and firms would issue half-copies of bills, and the other half-copies would be sent to the relevant offices and firms in each province. When the merchant returns to the road, he combines the tickets and takes money, which is called "flying money".

Nowadays, the business content and scope of the ticket number set by Liu Juntao are mainly engaged in exchange and deposit business.

There are the following five situations regarding foreign exchange: 1. Late bills. In addition to the exchange period, the period occupied is estimated to be increased on a monthly basis. Second, the redemption of the strip. After the formalities are settled, a pair of strips are set up, cut into two pieces of paper, the remitter holds the upper half of the page, and the undertaker sends the lower half of the page to the place where the remittance is remitted. 3. Letters. Each with its own letter, the font size to the font size, the name of the person who pays the hall, must be guaranteed to pay, and the confluence is with the market. 4. Bills of exchange. Pay with the ticket, and the confluence will accompany the city. 5. Telegraphic Transfer. If you use Mingdian, after seeing the electricity, you will ask for the underwriting money, and if you make a mistake, you will be refunded, if it is a secret telegram of each family, the payment procedures are the same as that of Mingdian, and the electricity bill is paid by the remitter.

As for deposits, there are two types: current deposits and time deposits, the former is a floating deposit of merchants, with the market weak, temporary daily interest, but the deposit interest rate is slightly smaller than the market interest rate; The latter has a fixed term of one year, and there are also fixed periods of January, February, March, April, May and June, and the depositor is required to set up an IOU if he withdraws interest before the maturity of the deposit.

Regarding lending, there are two types of lending: credit lending and mortgage lending. The former must set up a note when making a loan, and there are also those who follow the market habits. Its daily interest depends on the market, and the current account is smaller; If the collateral is immovable property, it must hold its red deed and make a written note, which will be repaid by the insurer.

According to Liu Juntao's idea, first use the preferential deposit of silver to pay interest and the good reputation of Yushan Town as an introduction, and gather the silver of the powerful, gentry, and officials in Shandong, and then begin to use the Ministry of Commerce to walk around the shop as the support, and build a ticket number in the whole Shandong, at least every county must have a ticket number, and establish a ticket number network as soon as possible.

In this way, businessmen, heroes, and gentry from all over the country can pass through all parts of the country with bills of exchange, as long as everyone tastes the convenience of bills of exchange, Liu Juntao can guarantee that the silver of all parties will continue to gather together, and it will not be able to stop it when the time comes!

Why did the banking industry become the most profitable industry in the future? Isn't it because of taking deposits and issuing loans?

When the time comes, as long as the deposit of the ticket number is enough, Liu Juntao can use the ticket number scattered all over the place to issue loans, whether it is a businessman, a strong man, a gentry, or a common people, who will have a moment of tightness and lack of money, Liu Juntao will definitely not worry about the loan can not be issued!

Regarding Liu Juntao's idea of establishing a ticket number, Tang Yu was shocked after hearing it!

Although Daming already had a village of money at this time, it was only for some money exchange and property business, and even if someone wanted to keep money in the bank, not only did they not have interest, but they also had to pay a fee to the money village!

Liu Juntao came up with a set of ticket numbers on the basis of Qian Zhuang, which is incredible in Tang Yu's opinion!

In fact, what Tang Yu didn't know was that Liu Juntao also learned from the achievements of later generations.

It didn't take long for the families of the powerful people, gentry, merchants, and officials from all over the country to gather in Yushan Town, and even the Confucian Mansion and Ren Chengwei in Qufu County sent people to come, Mr. Shan and Li Qianhu respectively.

Liu Juntao set up a banquet at the Yushan Town Government Office, and set up more than 70 tables in a row, gathering with hundreds of people who came to drink and talk happily.

After three rounds of drinking, Liu Juntao asked Tang Yu to announce in public that Yushan Town was preparing to build a ticket number, and explained the business involved in the ticket number, the convenience of the bill, and the benefits that everyone could get from it.

Subsequently, Liu Juntao also deliberately said: "As long as you save silver in my Yushan ticket number, even if you don't do any business, you can also sit and collect interest every month, the more silver you deposit, the more interest you will receive, this is a great thing to use silver to make silver!" ”

During the banquet, a wealthy businessman from Dengzhou Mansion asked with a smile: "Dare to ask Mr. Liu Lian, if we have too many people who deposit silver, and we save a lot of silver, then the monthly interest that Yushan Town needs to pay will also be massive, can Yushan Town support it?" ”

"Haha! Mr. Zhao asked well! ”

Liu Juntao said with a smile: "Isn't there also the business of issuing loans and exchanging money in other places in the business of my Yushan ticket number? Both of these can bring huge profits to the ticket number, and the interest on your deposit will never be lost, so you can rest assured! ”

Hearing this, everyone was discussing, and many people were very interested in Liu Juntao's ticket number business, and immediately expressed their willingness to deposit silver in the Yushan ticket number.

That night, Liu Juntao absorbed more than three million taels of silver with this meal, and Tang Yu also issued a silver ticket to everyone on the spot.

That night, everyone gathered until the second half of the night before gradually dispersed, resting in the room arranged by Liu Juntao for everyone.

Liu Juntao and Tang Yu did not feel the slightest sleep, and the two discussed and refined the specific affairs of the ticket number overnight, and prepared to start preparations immediately.

At the same time, Liu Juntao also found Hu Dexing, pulled him out of his sleep overnight, and said to him: "Brother Hu, from tomorrow onwards, you will lead your men to stand by, ready to assist all parties in transporting silver over, and the general warehouse of our Yushan ticket number is located in Yushan Town!" ”

Hu Dexing had already heard Tang Yu say about the establishment of the Yushan ticket number at this time, and he was very happy in his heart, and immediately received the order.

Early the next morning, the guests who had come to Yushan Town to visit dispersed one after another, and Hu Dexing also began to arrange for people to wait on the official roads leading to Yushan Town, ready to assist all parties in transporting silver.

And Tang Yu went home and rested for a while, then found Liu Juntao again and said, "Mr. Lian, there is something I think is very inappropriate!" ”