"In Xia Qian Lei, I have seen the son."

After bowing, Qian Lei looked at the young and somewhat surprising son in front of him, and directly picked out the intention.

"In the past, it was the second counter of the Tongsheng money shop, although last year the government only allowed merchants to operate the money shop, but the money shop has been open for decades in private, and the money shop has been opened for decades at the age of twelve, and the money shop has been in the house at the age of nineteen, and the second counter at the age of twenty-three, which is also considered to be a long ......time in this trip."

When Qian Lei introduced himself, Shi Yiwen looked at him, he was medium, very fat, and honest, and he didn't look like a second cabinet in a money shop.

Looking at him, Shi Yiwen asked with a smile.

"Since the second cabinet of money is so valued by Tongsheng Shop, why do you want to come to my shop?"

"Hui Gongzi, tell the truth and don't hide it from Gongzi, in fact, I have always intended to persuade the owner to open a money shop on Chang'an Avenue in the east and west, but unfortunately, the owner does not listen to the persuasion. Now that the son has opened a money shop here, he naturally wants to come here to recommend himself. ”

I actually came here to recommend myself.

"Oh."

Qian Lei's answer made Shi Yiwen frown slightly, and Wu Cai was surprised.

Why is that? Chang'an Avenue is not a lively place. ”

"It's really not lively, but there is business, not to mention anything else, let's just say that the palace maids and eunuchs in the palace, although most of them are poor, but they always have a little savings on hand, because there are many people and they are mixed, either they are stored in shops, or they are buried somewhere in the palace, which is always a little inconvenient, so I thought that if I opened and stored in the money shop, I would definitely be able to make a lot of profits."

Qian Lei's explanation made Shi Yiwen's eyes light up, he has also studied the money shop in the past two days, the current money shop specializes in silver money exchange, and the business variety is single, after all, the current money shop has not evolved into a money bank. The so-called "meeting votes" are often issued by powerful firms, not money shops. As for the deposit business, there is no such thing.

"Well, the money shop should indeed open a deposit business, but how to carry out the deposit business, and how can people be willing to come here to deposit?"

Deposit, although it was just two simple words, made Qian Lei's eyes light up, and he immediately praised it.

"What Gongzi said is very much, this money storage is not a deposit, in the next thought, this deposit can be interested, at present there are two ways to deposit in Jingshi, one is to deposit elsewhere, and the rich man or shop who accepts the deposit does not take it

capital to operate; There is also a kind of interest requested, and the rich owner or shop who accepts the storage also uses it as capital to operate, but the latter is quite risky, after all, it is the rich man and the shop who take the deposit to operate, and the business has losses and profits, so there is naturally a risk, and the two parties also need to agree that they only have to take interest every year, less than a few years, more than ten years, often only extremely reliable merchants, others dare to do so. Therefore, I thought that if we accept deposits and give interest, we will definitely attract outsiders to deposit with us. ”

"If we give interest, how can we make money?"

Wu Cai asked puzzled.

"Naturally, we want to lend out the silver, someone will deposit it with us, and then we will lend it to the merchants, there are more than 10,000 businessmen in Beijing, and there are more than 1,000 companies that need temporary turnover, and this turnover borrows silver, which is as short as a few months, or as much as a year, and the interest is at least more than 10%."

"Isn't it just as risky to lend to someone else? How can people be willing to take risks? ”

"The risk is different, in the past, they put their money on the merchants, and the merchants used it to do business, but once they lost money, they lost all their money, and we scattered the silver to dozens of merchants, and the merchants borrowed land deeds, house deeds or treasures mortgaged, so they naturally did not worry about losing money."

When Qian Lei and Wu Cai answered, Shi Yiwen looked at him in surprise, he was really unseemly, just based on these few words, he recognized that this person was indeed suitable to be the shopkeeper of Qianzhuang, but he still had some doubts in his heart.

"Well, although this is the truth, I don't know anything."

"Childe, excuse me."

"Since Shi opened a money bank and invested no less than 100,000 taels, you and I don't know each other, why did you make me believe in you and let you be the shopkeeper of the bank?"

Tens of thousands of taels!

Hearing this, Qian Lei was taken aback, he was born in a money shop, he knew very well that the investment in money shops was often only one or two thousand taels, and the son in front of him actually wanted to use hundreds of thousands of taels to run a money shop, which was really ...... Unbelievable.

In addition to being surprised, it also aroused Qian Lei's self-confidence, and he puffed up his chest and said.

"Because no one can earn so much silver for Childe except in the next, if Childe can be trusted, there are 100,000 taels as the foundation, and in the next guarantee can attract deposits of no less than 1 million taels within a year, and the interest on the loan is not less than 200,000 taels!"

Looking at Qian Lei, who was quite confident, Shi Yiwen pondered for a moment, and then said.

"Actually, I also have some opinions on running a bank. The purpose of running a bank itself is to make a profit. There are certain risks associated with taking deposits from the public to issue loans and discounting bills......"

With hundreds of years of knowledge beyond the times, and in the space library in the past two days, I have read a lot of books related to bank operations, and Shi Yiwen naturally has "his own" views on how to run the bank, but just casually said a few business ideas, Qian Lei was stunned by surprise, he was originally extremely confident, this would be more like a student, listening carefully to the management methods of the money bank mentioned by the child.

“…… And then there's the silver taels. ”

Glancing at Qian Lei, Shi Yiwen asked.

"The second cabinet of money, do you have a piece with you?"

"戥子" is specially used to weigh gold and silver small scales, packed in a folding fan long wooden box, made extremely exquisite, weighing accuracy is measured in milligrams. If there is anything that impresses you the most after coming to the Ming Dynasty, I am afraid that everyone carries with them the skuds and steel scissors, and they will hinge the silver ingots into pieces of different sizes according to the price of the goods purchased. Each piece is weighed: both the buyer and the seller weigh it with a stick.

They also tie a brass bell-like thing to their belt, which contains a wax block to collect the silver shavings that have been hinged down. When the amount of silver dust accumulates to a certain amount, the silver can be recovered by melting the wax blocks.

This is true of the merchants, and the same is true of the poor, because only when both sides pass the scales and pass their own scales will they be more relieved. is only a master like Shi Yiwen, who is not bad at silver and feels that this kind of thing is more troublesome, will not carry a "戥子" with him.

Qian Lei not only has a "shoe", but even has a small steel scissors, looking at these guys he has prepared, Shi Yiwen still remembers the surprise when he saw everyone's skillful silver cutting and weighing silver. Looking at these things now, he couldn't help but ask rhetorically.

"Money two cabinets, do you think it's like this, but when you buy something, everyone uses each other to weigh each other, and you have to check the fineness again, if the color is poor, you have to deduct some colored silver, is it troublesome? ”