The affairs of the court have always been the most cumbersome, even if it is agreed upon at the top, it will take a while to grind below, how to show their prestige without dragging it out!

It wasn't until May that the process of setting up the field was completed, and it was finally ready to be officially listed. Pen ~ fun ~ pavilion www.biquge.info

In fact, a month ago, businessmen from all over the country took action and went to the Pingxian card location one after another. However, there are also people who are not in a hurry, such as our uncle Cao Tong.

In fact, in the past few years, cooperating with the Wang family has brought Cao Tong a huge income, in the past, people described the Cao family as rich and rivaling the country, and the Cao family laughed at it, but since last year, the Cao family has become more and more afraid to accept these four words - it used to be a joke, everyone knows it, but it is becoming a fact, can you not be afraid?

Not to mention others, just his brother-in-law Zhao Zhen deducts all kinds of fixed expenses all year round, and there is not much money in his hand, and if he can exceed one million, he should be happy.

But his Cao family, just the business of wine and sugar, has seven or eight million yuan...... This made Zhao Zhen smell the wind, and he didn't start slaughtering the fat sheep!

Relatives are nothing in front of money, especially the royal family, they are even more worthless, and they will kill them if they say they will kill them, and they are not polite.

Cao Tong was soulless all day long, but fortunately, Wang Ningan made another scene, and the huge wealth of the Cao family had a way out. In the past two months, Cao Tong has smashed 3 million yuan, staking land, building commercial houses, warehouses, workshops, recruiting troops, and is very busy.

When others were busy, he walked around leisurely and was full of confidence.

Cao Tong's carriage passed through Cangzhou and entered the boundary of Pingxian County, where tall boundary monuments were erected on the side of the road. As soon as I walked into Pingxian, a different atmosphere came to my face.

First of all, the road, which is wider and flatter, is all compacted with triple soil, which is very strong, and even a light rain will not affect the journey.

On both sides of the road, every ten miles, a special rest area is set up.

It provides water, food and wine, shelter, shelter from the wind and rain, and a shed for the horses...... Anyone who carries more than 1,000 guan of goods can rest for free, and if it is less than 1,000 kan, food and accommodation will only be charged at half of the market price.

In addition to these basic services, there are also a variety of business intelligence, service guides.

For example, those who trade grain go directly to the southern city and register there, and there is a special warehouse in the city to store grain. The businessman only needs to enter Pingxian empty-handed.

In the center of Pingxian County, construction is underway on a five-storey trading hall, where all kinds of news are available and businessmen from the north and south gather. Between talking and laughing, you can negotiate a good business, there is a special person responsible for collecting transaction tax, everything is convenient and fast, and there is no red tape at all.

Cao Tong was very curious about what Wang Ning'an had come up with, and he spent ten coppers in the rest area to get a thick stack of news, more than twenty sheets.

It lists in detail the trading places of various commodities, the grain store in the south city, the skin and herb materials in the north city, the porcelain and silk furniture in the west city, and the whale products in the wharf...... There were also several new money houses in the city, which attracted Cao Tong's attention.

In fact, the financial industry in ancient China was very developed, in the Tang Dynasty, there was flying money, selling goods into Chang'an, after earning coins, if you carry it with you, it is dangerous and inconvenient, merchants can deposit money in the Jinjuan Yuan, or other rich merchants control the cabinet, merchants can get half of the deposit receipts, and at the same time these institutions will send the other half of the fast horse back, as long as the two deposit receipts are combined, there is no problem, the merchant can withdraw the coins.

In the Great Song Dynasty, commerce was more prosperous, and the cabinets in major cities could not only store coins, but also exchange them, for example, the market was now full of all kinds of copper coins and iron coins, which were very inconvenient to trade, and merchants could exchange them at the cabinets. Of course, in the process of storing transactions, the cabinet also has to take a little handling fee.

Wang Ningan has studied the financial system of the Great Song Dynasty, and he feels that it is necessary to take a big step forward, in the past, deposits were subject to custody fees, and people gave you money and collected money, which is simply outrageous!

In Wang Ningan's recital to Zhao Zhen, he wrote about his own ideas.

The money bank in Pingxian County not only does not charge custody fees, but on the contrary, it also gives depositors interest, and the benchmark interest rate for one-year fixed deposits is 5 percent, and 100 yuan for one year can get five percent of interest.

Cao Tong looked at the business copy, and what he was most interested in was this money bank, so much money, put it in the money bank, the warehouse to be stored, and hire people, and as a result, he also found money for depositors, isn't this a loss?

What is Wang Ningan's kid thinking?

Cao Tong didn't think that Wang Erlang would do a loss-making business, he hurriedly asked his subordinates to drive, found Wang Ning'an, and as soon as they met, Cao Tong asked with a face: "What's the matter with Qianzhuang?" ”

Wang Ningan smiled, "It's nothing, it's just convenient for trading, is it convenient for businessmen!" ”

Listening to the painless answer, Cao Yan didn't eat this set, and sneered, "Erlang, we don't have a friendship for a day or two, I admit it, maybe we can provide some convenience, but it's no good, you kid will do it?" I dare say that those merchants must have caught the little heads, and the big heads are all here with you! ”

Don't really say it, Uncle Cao Guo said it.

Seeing that someone had pierced his mind, Wang Ningan didn't hide it.

"Uncle Guo, along the way, it's okay for you to see the construction of Ping County, right?"

Cao Tong didn't know what he wanted to say, but nodded, "Yes, the streets are wide, the shops are lined up, they are clean, and the order is like that, and it looks more regular than the capital—but what does this have to do with Qian Zhuang?" ”

"It's a big deal, there is no money bank, where did I get the money to get this."

"What?"

Cao Tong stood up in shock, "I said Erlang, did you take out the money stored in the bank?" ”

"That's right."

"You, how can you do that?" Cao Tong was shocked when he heard this, "I said Ning'an, people keep money in the money village to make it safe and convenient, you get the money out, what should people do when they come to take it?" I can tell you, you have to be honest in business, you can't cheat people! ”

Wang Ningan crossed Erlang's legs and said with a smile: "How can I cheat people, they come to trick me, and the money village will naturally give them no worse at all, so what is there to cheat people?" ”

"So, didn't you spend all the money? Where does the money come from? Uncle Cao asked stupidly.

Wang Ningan laughed, "My uncle, why can't you figure this out!" ”

There are a lot of customers who deposit money in the bank, as short as a few days, as long as a year or two, they will come to withdraw money, some people are saving regularly, when it expires, how much deposit and interest need to be paid, the money bank is completely clear, of course, there are some temporary withdrawals, the amount will not be too large, as long as some money is left on the books, it is enough.

As for more money, it is lying in the warehouse and eating ashes, which is simply a tyrannical thing and a waste of wealth!

It just so happened that Pingxian County needed large-scale construction, and Wang Ning'an, in the name of the county yamen, lent money to build roads, docks, support workshops, and train workers...... When the time comes, the investment will be recovered and returned to the bank.

Wang Ningan calculated, at present, Pingxian County is full of business opportunities, the return on investment is about 30 percent, borrowing money from the bank, as long as 1 into 5, the county government investment of 10,000 yuan, can net 1,500 yuan, as for the money village, after deducting five percent of the interest, there are also 1,000 yuan to earn, even depositors have 500 yuan of interest.

From beginning to end, it is all about making money, and our Uncle Cao is not enough to have enough melon seeds.

"I said Erlang, how can you make money, no one loses money?"

Wang Ningan smiled even more happily, "Theoretically, it is possible to lose money, if the Yamen investment goes wrong, not only will the money not be returned, but on the contrary, it will be lost, and the Yamen's annual income will be used to supplement the money bank, if the yamen can't take it out, it will become a bad debt, if there are too many bad debts, the money bank can't bear it, and it will be over." ”

"So, what about the depositors' money?"

"The money bank is all gone, and their money is naturally gone."

Wang Ning'an said lightly, Cao Tong was anxious, knocked on the table, and said loudly: "You, you are still a liar!" ”

"How do you speak!" Wang Ningan was also unhappy, "Uncle Guo, is my investment vision so bad?" Besides, the money bank should also be actuarial, and those who control the bad debt rate cannot be nonsense. Even if the money is placed in the cabinet room, it will encounter fires, and the deposit certificate is lost, which is not guaranteed, and the depositor enjoys the interest and takes a little risk, which is also justified. ”

Cao Tong kept shaking his head, he still couldn't accept it, he always felt weird, there must be an article in it. Wang Ning smiled secretly in peace of mind, can there be no article, this interest is the super artifact of his pit Liao Kingdom, which is sharper than any iron horse, crossbow arrow, spear, and saber.

It's just a bone and a palm, hurting people invisibly, and in a daze, the martial arts of the whole body are abolished. With such an insidious calculation, the fewer people who know about it, the better.

"Uncle Cao, if you still have doubts, I won't force it, as for the shares reserved for you, just hand them over to others."

"Who are you going to give it to?" Cao Tong asked in a daze.

"There are too many people, such as the Han family in Hebei, do you know that Han Wei has been entangled with me for several days. There is also the old man Wang who also wants to buy shares and earn some coffin books, as well as the Yang family, the Six Arts School, by the way, your brother-in-law sent by Father-in-law Su is also interested - you don't want them to be desperate! ”

After hearing these people, Cao Tong struck a fierce spirit and shouted, "Bring it!" ”

"What?"

"Don't pretend to be confused, of course it's an appointment, I signed it!"

……

Coming out of the county office, Cao Tong didn't go anywhere else, he slipped away and rushed directly to the outside of Qianzhuang, he found a teahouse at random, asked for a pot of tea, a few plates of snacks, and watched with his eyes open.

Gradually, Cao Yan's jaw dropped in shock, from all directions, there were too many people who came to save money, and they formed a long line, there were Liba who had worked hard to earn a few wages, and there were also rich people who drove the cart over, and the heavy boxes were all pressed into your mud...... My mother, how much is this!

Cao Tong felt that his decision was too wise, and if he followed Wang Ning'an, he would not suffer a loss!