Li left for Ninghua at noon on the second day after entering Fucheng, and this time she brought Shen Mingwen back to prepare to shut him up and study behind closed doors.

There is no need to send Shen Mingwen back to the attic of the ancestral house in Peach Blossom Village, because the Li family has now moved back to Ninghua County, and she wants to keep Shen Mingwen by her side to facilitate her care.

The old lady came to Fucheng, the busiest person was Shen Mingjun, who took care of everything, not to mention, the old lady had to go to the street to buy gifts, Fucheng was much more prosperous than the county seat, many of them were not available in Ninghua, and large bags of gifts filled the carriage.

In addition, Shen Mingjun also handed over all the monthly money this month, as well as the dividends his wife Zhou received from the pharmacy, to the Li family.

Li went to Fucheng, in fact, he also wanted to see if his son and daughter-in-law had hidden silver behind her back, and when she went to the small courtyard rented by Shen Mingjun's family and found that the furnishings were outdated, and she didn't even buy clothes, she went with confidence.

In fact, when Zhou wrote a letter to the old lady, she packed up the new clothes she had bought for the family in the past six months, packed them and moved them to Hui Niang's room, preparing to move back when the old lady left. In the past few days, she has also strictly asked the family to wear old clothes, in order to paralyze the old lady.

The matter of Li's entry into the city can be regarded as a warning to Zhou, and no matter what, she must not tell the story of her shares in the printing workshop, the pharmaceutical factory, and the silver number, otherwise it is very likely that the property will not be guaranteed.

If the old lady found out about it and found a son to take over the printing workshop, all her previous efforts would be in vain.

In a blink of an eye, it was the beginning of the lunar month.

Since the beginning of winter, it has been snowing several times in succession, the weather is extremely cold, the business war between the Chamber of Commerce and Su Shaqi and other Jiangnan merchants has finally come to an end, and the city's Chinese medicine shops and salt shops have finally ushered in spring in the cold winter after a few months of depression.

Su Shaqi transferred funds to the south several times, preparing to fight to the death with the Tingzhou Chamber of Commerce, so that Hui Niang was impressed by this and monopolized the business of color comic books and New Year paintings.

But what Su Shaqi didn't know was that the goods he bought back at a high price were sold by his trusted companions to the middlemen found by the Tingzhou Chamber of Commerce. These middlemen did not directly send the goods back to Tingzhou. Instead, it was sent to Tingjiang and Minjiang and sold to Su Shaqi again. This time and again, Su Shaqi, who was unaware, suffered heavy losses, and because of the existence of him, the unjust leader. More and more medicinal materials and official salt are being transported to Tingzhou from all over the surrounding areas.

Hui Niang from Guangdong Chaozhou Mansion and Jiangxi Ganzhou Mansion, by land transport of medicinal materials and official salt emergency, Tingzhou Prefecture eight counties in the past two or three months although the shortage of medicinal materials and official salt, but the price has not fluctuated greatly, and even Su Shaqi spread rumors in the city for the people to rush to buy. Both the pharmacies and salt shops used the same tricks they used to deal with the rice and grain merchants in the north, and transported large quantities of goods into the warehouses by swaggering through the market, so that the rush to buy only lasted for a few days before it came to an abrupt end.

When the same rumor appeared in the future, the people of the city did not believe it.

After Su Shaqi struggled to support for three months, he finally had no successor, and left the western Fujian border in a hurry, and even the medicinal materials and official salt that he originally wanted to transport to Tingzhou for sale after the Chamber of Commerce succumbed were also discounted to the "Jiangxi merchants" at a low price in order to repay the debt, and these merchants were actually pretended to be by Hui Niang.

This was also the idea that Shen Xi came up with, after learning that Su Shaqi's funds were tight. On the one hand, let Hui Niang pretend to send someone to negotiate with Su Shaqi, so that Su Shaqi thought that the Tingzhou Chamber of Commerce was on the verge of collapse, and found someone to lend to Su Shaqi, and generously accepted his goods as collateral.

Su Shaqi, an old fox who has been in business for many years, agreed to mortgage the goods and borrow money after a brief investigation of these merchants from Jiangxi instead of Tingzhou, but the result became deeper and deeper.

From the end of winter, due to the continuous high prices, a large number of medicinal materials and official salt began to be transported into Tingzhou, and Su Shaqi knew that he could not return to the sky. Choose to flee the battlefield before you run out of ammunition and food.

On the fourth day of the lunar month, Hui Niang began to settle accounts, and after detailed calculations, she was surprised to find. In this business war with Su Shaqi, the Chamber of Commerce not only did not suffer losses, but made a net profit of nearly 10,000 taels of silver.

These silvers are all Su Shaqi's old book, and they were obtained by Hui Niang in the way of empty gloves and white wolves.

In this way, Hui Niang did not have to use the income of the printing workshop to compensate for the losses of the city's medicine shops and salt shops in the past three months, and this silver was not only more than enough to make up for the overspending. The Chamber of Commerce also has a large additional income.

After this war, Hui Niang did not withhold a tael of silver without permission, except for the three or four thousand taels of silver used to compensate the Chamber of Commerce pharmacy and salt shop, the rest of the money was all hung on the accounts of the Chamber of Commerce.

In an instant, the Chamber of Commerce became a non-governmental organization with a large number of assets, and with the housing deed and title deed of the Chamber of Commerce Headquarters that were bought by Hui Niang earlier, the Chamber of Commerce has its own value and is more competitive externally.

……

……

Entering Layue, without the threat of Su Shaqi and his gang to the Tingzhou Chamber of Commerce, Hui Niang can relax and take care of her own business.

In the past few months, the silver number has been further expanded, the semicolon has expanded from one to eight, all the counties under the rule of Tingzhou Mansion have semicolons, and Hui Niang even plans to make the semicolon to the surrounding prefectures and counties, mainly to facilitate the acceptance of more deposits and lending business.

The printing workshop has a good business, which is mainly reflected in the sales of New Year paintings. New Year's pictures because of the people's favor, by the end of the year every household needs, coupled with the previous development of the wholesale system, so that small traders can also come to the capital of Tingzhou to purchase, which makes the printing workshop at the end of the year very profitable.

On the contrary, there was a certain problem with the sales of comic books.

Su Shaqi has a wide network in Jiangnan and other places, and the chamber of commerce's own sales channels have not been fully rolled out, whether it is local specialties in Tingzhou Prefecture or comic books, these commodities can basically only be sold in Fujian and Guangzhou, and there has been no way to open the Jiangnan market.

“…… Auntie, at the end of the year, it is best to set up a branch of the Tingzhou Chamber of Commerce in Nanjing, and at the same time open a silver account there to contact dealers in various parts of Nanjing, replacing the position of the surname Su in the Jiangnan generation. ”

On the night of the fourth day of the lunar month, Shen Xi took advantage of the fact that everyone in the family had slept and came to the pharmacy to discuss things in Hui Niang's room.

Hui Niang sat on a chair covered with a blanket, the desk in front of her was full of accounts of the Chamber of Commerce, and Shen Xi sat on the bed behind Hui Niang, with a futon on her lower body. Although the cold wind was gusting outside, Shen Xi felt a strong warmth here.

Hui Niang looked back and said softly: "The Chamber of Commerce has only been established for more than a year, and it is not so easy to be recognized by people in the Jiangnan area." ”

"That's why we have to set up a silver branch first, and when there are more people who come to the silver number to save money, our funds will be more abundant, and the talents in Yingtianfu, where Nanjing City is located, and the counties below will be more willing to cooperate with us to do business."

Shen Xi lifted the quilt and jumped out of bed, walked to Hui Niang's side, and looked up at the contracts piled high in the corner of the table. These deeds were the vouchers for the deposits and loans of merchants everywhere in the silver trumpet, "Aunt, it seems that we will print silver bills in the future to replace these contracts." ”

Hui Niang frowned: "What is a silver ticket?" ”

Shen Xi smiled. Roughly described to Hui Niang: "It's like treasure money, but we print it ourselves, the material used is kraft paper or mulberry paper, we have a printing workshop, and we print in color." Compared with the quality of the treasure banknotes printed by the government, the quality should be much better, plus the special bright seal and secret mark, plus the signature on both sides, there is not much likely to be a problem. ”

"Merchants deposit money to get silver tickets, these silver we do not lend, only as safekeeping, to charge a certain percentage of the storage fee, so that they can withdraw money across regions. They can even use the silver ticket to settle the transaction with the merchant, and if the silver ticket is correct, our silver number will be exchanged for money. ”

Hui Niang thought about it carefully. According to Shen Xi's meaning, it is equivalent to the silver trumpet has begun to print banknotes for circulation in the market without the permission of the government.

Silver bills have existed since the Song Dynasty, but this kind of silver tickets basically belong to "contract tickets", unless they are officially printed paper money such as "Jiaozi", "Huizi" and "Daming treasure banknotes", they can only be used as exchange vouchers, and cannot be circulated in the market as coins.

And the officially printed banknotes, because there is no physical silver and copper coins behind them. It will depreciate significantly over time and will not be recognized much in the market.

"I'm afraid that's not right."

Hui Niang faced such a major problem, how dare she take risks easily, "If someone makes a fake." We can't tell, the losses will be significant. ”

Shen Xi smiled: "Then aunt doesn't believe in the technology of our printing workshop?" ”

"No matter how good the technology is, it will always be cracked, and besides, even if others can't imitate it, the government will ...... This matter will be discussed later. ”

Although Hui Niang refused. But it is undeniable that Shen Xi's proposal has a great temptation for her.

When preparing for the silver account before, Shen Xi did put forward the idea of "withdrawing money from other places", but in today's era of underdeveloped communications, it is very difficult to realize it.

Contracts are easy to forge, and it is difficult to distinguish the authenticity of the depositor's signature and contract elsewhere when depositing money in one place. But if you use the method of fixing the "silver ticket", then things are much easier. But it is necessary to ensure that the "silver ticket" is someone else can not be forged, and the official Ming Bao banknotes that are still circulating on the market cannot guarantee that they will not be forged, not to mention the "silver tickets" printed by the people?

Shen Xi continued to promote his idea: "If we want to print silver tickets, we will add a lot of secret marks to them, and then there is a numbering system, each silver ticket has a fixed number, the same number of silver tickets, once the silver has been exchanged, it will be destroyed, can not be exchanged twice in the silver number, each numbered silver ticket will have a different secret mark, except for the big treasurer we sent to the silver number everywhere, it is impossible for others to master the law of the seal." ”

Hui Niang is still very hesitant, because of the flood of Ming Dynasty banknotes and Ming Bao banknotes, and now Daming Bao banknotes have been eliminated by the market.

Shen Xi also knows that in more than ten years to the Zhengde period, the Ming treasure banknote will completely withdraw from the historical stage, because of this, the market needs a credible banknote for circulation.

The biggest difference between the silver ticket printed by the silver number and the official banknote is that the silver number does not indiscriminately make silver tickets, and every time one or two silver tickets are printed, one or two silver must be saved in the silver number, and the silver two used in the exchange of silver tickets are separated from the silver two that the silver number deposits money and lends.

The issuance and exchange of silver tickets adopts the method of charging a storage fee, and no interest is given, so as to ensure the fixed value of each silver ticket, which will neither increase nor depreciate, and it is clear how much it should be.

***********

PS: The common silver ticket in martial arts novels is here!

In fact, the Jiaozi of the Song Dynasty and the treasure banknotes of the Ming Dynasty are not considered silver tickets, and the real silver tickets appeared in the Jiajing period of the Qing Dynasty, and were first created by the Rishengchang ticket number in Pingyao, Shanxi, so Wei Xiaobao in "The Legend of Deer and Ding" is just a novelist's words at any time, and it should not be true.

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