Kong Yingda and Chu Liang hurriedly got up, it was obvious that these two departments and the traffic supervisor in charge of Kou Jiuhui would constitute the future Ministry of Rites, as long as the imperial examination was completed, it would be no less than a credit to conquer the city. Cui Hongsu couldn't help but drink a glass of wine, and a stone fell to the ground in his heart, it was the imperial examination that moved Cui Chuzhi to come to Shangxian, so that the Cui family had a chance to re-contact Yang Chong with dignity.

Yu Qintao beside Cui Hongsu is a little depressed, his current identity is very embarrassing, the eldest brother Yu Qinming has led the Yu family to defect to Li Yuan, Yu Qinzhang stayed in Gaochang, unwilling to expand the territory for Yang Chong, but in Yu Qintao's view, Yang Chong's chance of success is far greater than Li Yuan, and the reason why it creates a balance of power is deliberately done by Yang Chong. Yu Qintao didn't understand why, but Yu Qintao believed that as long as Yang Chong raised the butcher's knife, even a famous general like Li Shimin would be helpless.

Yu Qintao thought about it, and was touched by Cui Hongsu, so he heard Cui Hongsu remind: "Lord Yuan is calling you." ”

Yu Qintao hurriedly looked at Yuan Wei, not because of Yuan Wei's official position, but because Yuan Wei and Yu Zhongwen were equals, and they were counted as Yu Qintao's elders; Yuan Wei said with a smile: "We just talked about the bank, Qin Tao, you explain it to everyone." ”

Yu Qintao came back from the Western Regions, and these days he has been running back and forth in Zhangye, Wuwei, and Shangxian, and he is busy with the bank proposed by Yang Chong; Yang Chong packaged the banks of modern society as a store for people to save money, and put forward the concept of flying money, which was the original money exchange between the Turpan Commercial Bank, the Hexi Commercial Bank, and the Northwest Commercial Bank.

Yu Qintao explained after introducing the money ticket: "According to my understanding, the business of the bank and the money ticket is the derivative of the Zhongjin Bank in Chang'an City, since the merchant can withdraw money in one place, it should also be able to withdraw money in another place, and the bank is to provide a safe way to serve the merchant, in which we earn handling fees and commissions." ”

There was a shortage of coins in the Great Sui, and the pricing of gold and silver was always unstable, so many merchants could only carry boxes of copper coins around, and items such as pepper and silk could be used as currency, which was not unrelated to this currency. Everyone in the audience was moved, this is a new concept, and businessmen are definitely willing, which is not only the safety of money, but also saves a lot of bodyguards, transportation and other expenses; Wei Yuanzhao said solemnly: "This not only requires strong financial resources, but also requires very high credit. ”

Yang Chong nodded like, Wei Yuanzhao is to the point, the bank's credit is the cornerstone of this financial system, once the bank's credit is missing, it will destroy the orderliness, fairness and competitiveness of the financial system, and risks will follow. In later generations, all kinds of risk assessments were carried out because they were worried that the risks would suddenly swallow up the wealth of society in an instant; Thus risk has also become a means of sheep shearing by the big banks and certain financial alliances, often arranging a group of conscientious commentators to make a variety of assessments to their advantage.

Kou Jiuheng replied: "So General Manager Yang's idea is that we will set up a government-run bank, imitate Daqin, issue gold and silver coins, and do business for all merchants. The capital of the bank is supervised by the public treasury established by the government, which can absorb deposits, lend money, and even do guarantee business; The name Yang Chongqi is good, and it is called Daye Bank. ”

A bright light flashed in everyone's eyes, if Yang Chong unified the rivers and mountains and opened the bank to the north and south of the river, what a huge business, Yang Chong's current business combined, I am afraid it is not as good as just in case. Wei Yuanzhao immediately asked, "How are the shareholders of the bank formed?" ”

As Yang Chong's business partner, Wei Yuanzhao knew that Yang Chong was knowledgeable every time he set up a shareholder, and Yang Chong replied: "The government has 40 percent of the shares in the government, and the other 12 shareholders have 5 percent each. For private banks, each city must have a deposit of 1 million yuan to be pledged by the public treasury, and the total number of shareholders cannot exceed 15 with more than 50 percent of the shareholders, and the business must be approved by the government. ”

To put it bluntly, it is the margin and supervision, and the bank can't end up with the money and run away, and throw the mess to the government. As soon as they heard that a private bank in a city asked for a deposit of 1 million yuan, everyone stopped cooking, which was not something that could be done easily, and they all focused on government banks.

Yuan Wei smiled meaningfully: "This is the theme of today's dinner, the principal of the official office is set at 1 million yuan, and the private shareholders are 50,000 yuan, but every time it is opened in a big city in the future, an additional 50,000 yuan will be added." We discussed, in addition to Wuwei and Gaochang, the other eight cities are Chang'an, Taiyuan, Luoyang, Zhuojun, Jiangdu, Hangzhou, Bashu, and Jiangling; In other words, if you want to become one of the twelve shareholders, you need to prepare 500,000 yuan. ”

This is not a matter of money, the person who pays for it is an economic interest with Yang Chong, Wei Yuanzhao asked unceremoniously: "Lord Yuan, how many shareholders have been determined now?" ”

"Seven." Yang Chong took over the conversation for the first time: "Jiang Duo, Yuan Xianren, Feng Qiquan, Yu Qintao, Yuan Renhui, Fu Qugu, Zhang Huaishan." ”

Wei Yuanzhao immediately said: "Count me in." ”

Yuan Renhui's guard of honor is the jade mine at the end of the year, the Wei family and the Yuan family's jade mine shares are the same, Wei Yuanzhao has no reason not to accompany him, even if the rest of the Wei family takes refuge in Li Yuan, it is a big deal to sell the jade mine to Yang Chong. Cui Hongsu smiled embarrassedly: "Cui has already sent a letter to the family, Qin Tao, you have to leave a place for me temporarily, at most half a month." ”

Yu Qintao said in his heart, is this something I can do, do you Cui Siye still need me to leave a place? However, knowing that Cui Hongsu was kind words, Yu Qintao still smiled and said: "Fourth Master Cui, the president is not me, it is Yu Wenwen, it's no problem to leave a place for half a month, that kid dares not to give the fourth master face, Yang Gang, Du Yan, and Yang Ze are also waiting for a reply." ”

Cui Hongsu smiled, Chu Liang could only shake his head, if Cui Hongsu's four families agreed, it means that twelve people have been gathered, no wonder Yang Chong can fight in all directions, and his subordinates are all rich. Cui Hongsu's delay is actually not a matter of money, it is the Boling Cui clan, the Hongnong Yang clan, the Jingzhao Du clan and the Great Sui royal family are considering their positions, whether they are completely cooperating with Yang Chong, Cui Hongsu and others can't make the decision.

Yang Chong shouted Li Chunfeng, who was sitting at the bottom, to come up, toast Yu Qintao and said, "Chunfeng, from now on, you will participate in the preparation of Wuwei's bank, and follow your Uncle Yu to work hard." ”

Yu Qintao drank the wine in the cup and said to Li Chunfeng: "Yang Chong has nothing to say to your apprentice, so he specially set up an auction house business for you, and we will talk about it slowly later." ”

Yu Juluo interjected and asked, "What is the auction house for?" ”

Yang Chong hurriedly said to Li Chunfeng: "Chunfeng, give General Yu a round of wine to them, if you want to do more business, in the first few years, let General Yu and them entrust you to sell the rewards they get for each battle." ”

(End of chapter)