On the first day of the bank's opening, although there were some problems that were not expected before, fortunately, the impact was not large, so that the bank's operation was very smooth, and those problems were also summarized by Xu Jingzong in order to solve them in the future.

In the next two days, the bank was still very busy, but with the adaptation of the officials within the bank, they became more and more familiar with the affairs of the bank, and the efficiency was also increasing, so they were also busy and orderly.

Although it is impossible to give the market price of the bank's collateral, it is at least much stronger than those black-hearted profiteers, so Su Dingfang's soldiers are also very satisfied, and even hope that the bank can send people to the frontier, so that the loot they have caught can be sold directly to the bank, but this is obviously unlikely, after all, the bank has not even come out of Chang'an City, and it will only be opened in some important big cities in the future, as for the frontier and the like, I am afraid that I can't take care of it for the time being.

After a period of busyness, the bank's business has slowly stabilized, although there are still many people who go to the bank every day, but it is not as crowded as a few days ago, after all, the bank is now mainly oriented to the merchant class, as for the ordinary people, there is little demand for the bank, and there is no habit of going to the bank.

However, on the first day of opening, Li Xiu found a big problem, in fact, not only did he find it, Xu Jingzong also found it, and the two also discussed it that night, and finally felt that if this problem was not solved, the bank would probably deviate from its original intention, so it must be solved.

In the financial supervision center, Li Xiu looked at the thick list of items in front of him, and couldn't help showing an embarrassed expression at the moment, and after a while, he looked up at Xu Jingzong who sent this list to him and said: "How can it be so much, doesn't there be a deadline for the mortgage, and someone should redeem the mortgaged things when the deadline comes, right?" ”

"Horses, mortgages are also divided into live and dead, most of these are dead items, and they are not intended to be redeemed at all, and there are some live items, but they have not been redeemed when the deadline comes, and it is estimated that they are not able to redeem again, so they are also included in the dead items, and now the warehouses are almost full." Xu Jingzong also explained with a wry smile at this time.

"Since no one is going to redeem these things, let's find a way to contact the buyers, I guess there will be people interested in these things." After thinking about it for a moment, Li Xiu immediately made a decision.

"The ones that can be mortgaged in our bank are all valuables, and there are naturally a lot of interested buyers, but we are officials after all, so we can't really bargain with those people to do business, right?" Xu Jingzong was a little embarrassed at this time.

His words also represent the thoughts of the vast majority of officials, after all, officials have always felt that they are superior, businessmen are cheap in their eyes, although banks are also related to money, but after all, they are different from traditional business, so Xu Jingzong They can still accept it, but now if they really sell things, he feels a little awkward.

Li Xiu's thoughts about Xu Jingzong's people can also be understood, so he has already been prepared, and said with an indifferent smile again: "Our bank naturally won't bargain with others like ordinary businessmen, so I decided to auction these valuables that no one has redeemed, so in addition to the bank, we have to open an auction house!" ”

"What is an auction?" Xu Jingzong couldn't help but widen his eyes when he heard Li Xiu's words, it was the first time he had heard of this term.

"The so-called auction, to put it bluntly, is to invite the rich and powerful people in Chang'an to a place, and then our bank will mark those valuables at a reserve price, and then let these people increase the price at will, and the one with the highest price will get it, so that we don't have to bargain with others, everything is their voluntary bid, and the final price has nothing to do with our bank." Li Xiu explained with a smile.

The auction has many advantages, such as forming a competitive atmosphere, thereby raising the price of the auction, but what Li Xiu values most is the form of the auction, because the auction is all bid by the buyer, and the other party is voluntary, so that there is a lot less dirt, and there is no need to beg the guests to buy things, which saves the face of the seller, which is most in line with the psychology of Xu Jingzong.

"Wonderful, this method is simply great, we just need to provide a place to mark a reserve price, and then let those people raise the price, this is what we should do!" Sure enough, after Xu Jingzong heard about the start of the auction, he immediately patted his thigh and praised, he felt that this kind of auction was simply tailor-made for the bank, that is, there was face and lining, after all, so many people sat together, and the price would be raised for the sake of face.

"There are too many things in the bank during this time, I'm afraid you can't be separated, so I'll personally prepare for the auction!" Li Xiu thought about it at this time and said again, although he did not participate in the auction, he also knew the general process, but Xu Jingzong did not have any experience in this, he was worried that the other party would not be able to do it, so he decided to do it himself, and with his face, there was really no powerful person in Chang'an City that he could not invite.

"If you have a horse, you will definitely be able to invite the powerful people of the entire Chang'an City, and then there will be no buyers!" Xu Jingzong also knew that he had a few catties and a few taels, and he also agreed with it very much at the moment.

"By the way, although the bank is very busy during this time, it has slowly stabilized, do you think you want to take time to solve the matter we discussed last time, so that the auction can also be linked to this matter in the future?" Li Xiu suddenly thought of what happened last time, and spoke again at the moment.

"What the horse said is very much, I also think that the mortgage pawn business should be separated, after all, among the people who go to the bank now, there are eight CDs who go to mortgage pawn things, if we keep doing these things, our bank will not want to do other things in the future!" Xu Jingzong also nodded immediately.

The so-called big problem of the bank is actually that there are too many mortgage pawn businesses, just like Xu Jingzong said, people who enter the bank every day, eight CDs are to mortgage pawn things, it can be said that the bank is almost equivalent to a big pawnshop now, and the real function of the bank has not played a big role.

Of course, the bank has just been established, and it is normal for problems to occur, but if it continues like this, the mortgage pawn will occupy too much energy of the bank, and it may really become a big pawnshop in the future, and the function that the bank should play has no energy to develop, so in the face of this problem, Li Xiu and Xu Jingzong After discussion, they both felt that the mortgage pawn business should be independent and set up a subordinate institution dependent on the bank.

"Yes, the bank can't spend all its energy on pawning this kind of thing, I think it will set up a pledge bank under the bank, and the business of pawning will be specially managed, as for the bank mortgage can also be done, but the collateral must be real estate such as houses and shops, as for valuables such as gold, silver and jade, it is better to send it directly to the pledge warehouse!" Li Xiu made a decision at the moment.

The pledge bank is another name for the pawnshop in later generations, but the bank is a government agency after all, Xu Jingzong and others are more reluctant to mix it with businessmen, and the pawnshop is also a kind of shop, which doesn't sound very good, so it is better to call it a pledge store.

"Yes, the subordinates will start to do this immediately!" Xu Jingzong immediately agreed, he likes to do things under Li Xiu, because Li Xiu will delegate power to his subordinates, such as the current affairs of the bank, he will be fully responsible, Li Xiu only occasionally asks to ensure that the bank will not make mistakes in the general direction, which makes him have enough power, and Xu Jingzong also enjoys it very much.

"It's not just a matter of the quality bank, but also Luoyang, the bank can only play a real role if it is established all over the country, and Luoyang is the first step for the bank to get out of Chang'an, in addition to Chang'an is such a big city, so many people, only one bank is not enough, so in the future, it will definitely open a new bank in the city, which also needs you to worry about, so I'm afraid you'll be busy during this time!" Li Xiu patted Xu Jingzong's shoulder at this time and said, it seemed that he had put the heavy responsibility of ten thousand catties on the other party's shoulders.

"It is also a blessing for the colt to be able to trust his subordinates, so even if he is broken, his subordinates will repay the colt's kindness!" Xu Jingzong seemed to be very moved at this time, and immediately assured Li Xiu.

"Well, yes, your ability is also what I value the most, follow me and work hard, and when the entire banking system is established, you will know its real role, and then the status of our financial supervision will definitely not be lower than that of the three provinces and six ministries!" Li Xiu smiled again at this time, and his words also revealed incentives.

"The horse has always been far-sighted, and his subordinates have never doubted the importance of the bank, and compared with the previous Ministry of Agriculture, the subordinates also feel that the bank needs people like me more, even if the subordinates spend the rest of their lives here, they must help the horse build the bank!" Xu Jingzong immediately reassured, but when he spoke, he showed a slightly frowning expression.

Xu Jingzong never doubted Li Xiu's words, after all, Li Xiu's ability is also obvious to all, if the bank can really compete with the three provinces and six departments in the future, then he, the young eunuch, may not be worse than the servants of the various ministries in the future, you must know that it is a high-ranking official on the fourth grade, and then it is the prime minister of the third grade, maybe he can also be ranked as the prime minister in the future, as soon as he thinks of this, he feels that he is about to fly.

Seeing Xu Jingzong's happy appearance, Li Xiu couldn't help but smile secretly in his heart, for a person like Xu Jingzong, the best way is to make heavy profits, so as to stimulate his greatest potential, so he gave a few words of encouragement, and then let the other party leave, and he was about to start preparing for the auction.