He Shunyuan's shopkeeper is called Zhao Hexiang, in his fifties, white and fat, with a smile on his side, speaking softly, if he wears a cyan sticker, wears a forked hat, and pretends to be a eunuch to enter the palace, he will definitely not be able to show his stuffing.

There is no need to elaborate on the matter of the ceremony, and when he also sits down, Chen Mo went straight to the topic, preparing to hand over the property to Feng Bao, and he began to ponder the business concept and the combination of the two shopkeepers - he didn't want to do anything as a son of heaven and a courtier, the so-called suspicious people don't need to be suspicious, even if they really replace these two important positions, they have to see how these two people react after listening to his idea.

Different people have different answers to what industry will make the most money in later generations, but the two industries of oil and banking must be the two answers that appear the most.

Not to mention oil, Chen Mo is trying to find a way to control this new thing in his own hands. Now, what he most desperately hopes to do is to integrate with Shengyuan and Shunyuan to become bigger and stronger according to the model of the Bank in the future. With his current strength, he believes that with more effort, it will not be long before a financial empire as huge as the national bank of later generations will be born in his own hands.

By that time, who else will be his opponent in the empire? Even if Zhu Yijun wants to move him, he has to weigh it, right?

This is not Chen Mo's whimsy, in fact, the silver number was originally equivalent to the prototype of the bank in the later world, and its production actually represents that the conditions in all aspects have tended to mature.

The so-called silver number, in fact, the official title should be a money shop or money bank, which originated from the silver money exchange business. Later, it developed into a place for depositing, lending and foreign exchange business. Different regions have different calling habits, and most of them in North China and Northeast China are called silver horns. The middle and lower reaches of the Yangtze River and all parts of the southeast are called Qianzhuang Yinhao. There is usually not much difference between the two.

Speaking of silver money exchange, in China's feudal society and semi-colonial and semi-feudal society, due to the long-standing pluralistic currency system and the mixed circulation of multiple currencies, currency exchange already existed in the Spring and Autumn Period and the Warring States Period. The exchange business began to appear in the Western Han Dynasty and developed in the Tang and Song dynasties, and was generally operated by gold and silver shops and cabinet shops. In the Yuan Dynasty and the early Ming Dynasty, due to the issuance of paper money by the government. The people still use silver ingots and copper coins, silver, money, and banknotes in parallel, and for convenience, a variety of public and private institutions are encouraged to concurrently engage in exchange business.

During the orthodox years of Ming Yingzong, the value of the Ming treasure banknotes was depreciated, the government relaxed the ban on the use of silver, and the silver money was publicly circulated. Generations of emperors since then. Due to the large and complex private money, copper coins are of different weights and colors, and they are made of money. The price difference between private money and white money is large and varied. The exchange business is more developed.

During the Jiajing period, the furnace was opened, and there were many names for coins. Just making money, there is a gold back. Dozens of names such as swirling. Under such circumstances, there were more traffickers and smugglers, and finally a financial organization specializing in the exchange of copper coins appeared. At first, it was called a money shop, and it was also called a money shop, a money bank, a money shop, a money shop, or a money stall.

In the eighth year of Jiajing, the smuggling of copper coins was rampant, and the imperial court ordered a ban on the sale of copper coins. Until the fifth year of Wanli, the right to the imperial history, Fujian governor Pang Shangpeng played the permission to re-establish the money shop, is the beginning of the money village law, to the town in the Yin Shi household to fill, with the amount of its funds, to buy money from the government, in order to trade.

From money shops to money banks, in fact, at the beginning, many money banks were not simply engaged in silver money exchange, but often concurrently engaged in other industries. For example, the Xu's silver horn mentioned by Wu Fangchang was also charcoal at the beginning. Zhang's silver is also engaged in salt and grain.

Chen Mo doesn't know about economics, but these things are recorded in history, and he still knows them in general. He also knew that by the end of the Ming Dynasty, Qianzhuang had developed into an independent financial organization, not only operating exchanges, but also lending, providing the convenience of issuing posts and withdrawing money.

In fact, as the most basic business of the bank, due to the development of business at the moment, the exchange of places has appeared, and has become one of the main businesses of the silver number today.

In later generations, Chen Mo was a top student in the Department of History, and he actually knew little about financial knowledge. After telling Wu Fangchang and Zhao Hexiang about the knowledge of the banking industry in general, Wu Fangchang had not yet spoken, and Zhao Hexiang spoke with a smile first:

"It's no wonder that the old owner wants to hand over all the properties to the young owner to take care of, so he rushes to the young owner's knowledge, and the little old man admires the five-body land."

He gave a high hat first, and Wu Fangchang nodded in cooperation beside him. Chen Mo knew that his plan would definitely not be implemented so smoothly, these old foxes must still have something to say, but they only looked at Zhao Hexiang with a smile and did not speak.

Zhao Hexiang was a little shocked by Chen Mo's heart, and said that it seemed that this young owner was also a little fox, and he really couldn't bluff him, so he simply turned his heart and said: "Don't look at the little old man like this, the little old man's heart is beating suddenly...... Okay, okay, Xiao Lao'er told the truth, although the idea of the young owner was perfect, however, Xiao Lao'er still had some shallow views to talk about......"

"That's right, no one is perfect, and saints sometimes make mistakes, not to mention that in these trades, our family doesn't know anything, it's your junior, since I told you two, I originally wanted to listen to your opinions, and it was boring to hide it."

"The young owner is open-minded, the little old man admires, in this case, the little old man is not welcome, dare to ask the young owner, if it is according to what you said to reduce the interest rate of the loan, the current pattern of the silver number caused a huge impact is certain, the loan seeker is bound to step through the threshold of each of us, and our silver number will be shown in the fastest time. But in this way, not to mention that it will cause resentment among the industry, just the huge shortage of funds, how can we solve it? ”

Chen Mo had already thought about this problem, and seeing that not only Zhao Hexiang and Wu Fangchang, but also Li Jiumei and Xing'er were staring at him intently, he couldn't help but smile, and said confidently: "You don't have to worry about the problem of funds, you can't be greedy when it comes to making money, you have to pay attention to harmony and make money, and everyone earns money." You can rest assured that the funds are up, and our family will find a way to bring in a few major shareholders. ”

This is not Chen Mo bragging, with his current status, as long as he releases the wind, I am afraid that countless people will break their heads and want to cooperate with him. Choosing who is the tricky one.

He has already thought about it, take out all the funds that can be used in his name, and then find a way to encourage Zhu Yijun, use his name, privately make friends with those princes and nobles, gather huge funds, and create a new silver account - who has a grudge against money? can make money and befriend the emperor, I'm afraid no one will refuse such a good thing, right?

When the time comes, with the support of Wanli, there are princes and nobles in front of you, who dares to jump out and make trouble?

In fact, this idea of his was originally a natural thing, as long as he thought of it and did it, success was only a matter of time.

What he is worried about now is not these at all, how to find a way to change Qi Jiguang's fate is the most troublesome thing for him now. (To be continued......)