Chapter 520 Banks
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Everyone glanced at each other, which meant that they would have to take out one percent of their profits to Chen Yuan every time in the future, one person would take one percent, and now they have thirty people here, which means that Chen Yuan's income will be higher than all of them, and even two or three times higher than some people. Pen, fun, pavilion www. biquge。 info They calculate this account very clearly, but if Chen Yuan can really be fair and just, this money is still fair.
Moreover, under such a mechanism, the faster the chamber of commerce develops, the more businessmen it attracts, the higher Chen Yuan's income will be, which will prompt Chen Yuan to develop the chamber of commerce wholeheartedly, and there is no harm to everyone.
Shopkeeper Zhang looked at Renzong, and then at Chen Yuan, looking like he wanted to speak and stopped. Chen Yuan saw his face: "Shopkeeper Zhang, if you have something to say, it's okay to say it." ”
After hearing this, Renzong smiled: "I came today to see how you have a meeting and discuss something." Not only this time, but every time you have a meeting in the future, I will send someone here, you don't have to be restrained, as long as you break the law and discipline, I will not interfere. ”
The shopkeeper then said: "Master Horse, I want to ask, is this chamber of commerce not able to go out after entering?" ”
Chen Yuan shook his head: "No, you can come in at any time, you can go out at any time." The amount of money you paid when you entered the Chamber of Commerce will be returned to you when you quit. Of course, you can always let me go. If everyone thinks that I am not doing well, as long as more than seventy percent of the merchants jointly ask me to leave, then I will leave immediately. I have already asked people to write these specific terms, and we will draw a pledge later, one for each person, and Banzai will personally do the verification here, and no one can rely on it. ”
Everyone was relieved that their worst fears had finally passed. A few of them had a conscience and immediately asked, "Master Horse, how do you know how much we earn in a year?" ”
Chen Yuan smiled: "That's a good question, everyone, I also want to ask you, is it too troublesome to bring a lot of copper coins with you every time you trade?" ”
When he said this, everyone couldn't help nodding, and Chen Yuan turned around and took out another sign: "This is the second thing I want to say to everyone in front of Banzai today, the bank." ”
Everyone is obviously a little unfamiliar with the word bank, and Chen Yuan continued to explain: "It's the current money bank. However, it is no longer a normal transaction of repayment and redemption. The bank I'm going to set up can take care of everyone's accounts. For example, after you have done business in Guangzhou, there is no need to bring the money back to Bianjing. I will give you a deposit receipt, you can return to Bianjing with the deposit receipt, give the deposit receipt to the semicolon in Bianjing, and you will be able to withdraw the cash immediately. I will open a branch in every state of the Great Song Dynasty to provide convenience for you. Also, when you have financial difficulties, I can provide you with a loan, of course, for a certain amount of interest. ”
These merchants were not much surprised, these two businesses had already begun to be done by some money banks in the Song Dynasty, but they were small in scale, and there were not many places to save and exchange money. The most important thing is that they only buy and sell acquaintances.
At the beginning, Chen Yuan was only doing business with acquaintances, and only businessmen from the Chamber of Commerce could go to the bank to deposit money and exchange money.
The reason is simple, he must first come up with a certificate of deposit that can prevent others from forging before he can spread his business on a large scale. Otherwise, if a few fake deposit receipts come out, you will be finished. Bi Sheng is doing this thing, and I believe that there will be results soon.
When the deposit receipts are not so easy to forge, and they can leave a mark that can be clearly recognized by the people of their own bank, then they can spread their business to those prefectures and counties, attract deposits on a large scale, and issue loans.
Originally, Chen Yuan wanted Renzong to get involved, after all, if this thing was really done, he could control the economic lifeline of a country. In addition, with the participation of the imperial court, the credibility will be much higher when it is promoted by itself in the future.
But Renzong didn't do it, he was afraid that the officials would say that he was "competing with the people for profit", and Chen Yuan could not convince Renzong of everything.
Sometimes I think about it, the officials of the Song Dynasty are really excessive, they have three wives and four concubines, and after they are promoted, they have to add two rooms and two to increase a little joy, but they advise Renzong not to get close to women. Most of them have their own fields and shops, but they say that the emperor cannot compete with the people for profit. After their daughters quarreled with their in-laws, they would kill them with their mouths, but they would not let the eldest princess return to the palace.
Don't talk about them, Renzong is afraid of officials like tigers. At this point, Chen Yuanzhi didn't want to change anything, after all, if an emperor was really not afraid of anything, it was also a very dangerous thing.
The businessmen don't regard Chen Yuan's bank as a thing now, and in their eyes, it is the chamber of commerce's own money. There's nothing wrong with this, it's really inconvenient to push a few carts of money back after every transaction, not to mention the waste of freight, and I'm afraid that thieves will worry about it. Make a shop in each place and put two guys, which can make it much more convenient for everyone.
Everyone doesn't want to quarrel in front of Renzong, blushing and thick-necked, it seems that they have no cultivation, anyway, this is the bank of the Chamber of Commerce, everyone pays together, even if they don't do well, it won't be much on everyone's head, not to mention that they now have a blind confidence in Chen Yuan.
The two things were thus settled. The master of the horse said goodbye to the era of hard speculation, and he was about to start a bigger business. In the past, the goods were carried out, and now the most profitable way in the world is to make money. Of course, he didn't completely give up his goods, Chai Yang, Amuda, Chen Shizhong and others all had Chen Yuan's share in the business.
With Renzong beside him, things went smoothly, and Chen Yuan was in a very good mood. And it was the first time that Renzong had completed the gathering of these merchants, from the beginning to the end when everyone signed the agreement, and the process made Renzong feel very novel.
By the time the meeting had ended, it was already noon, and the merchants wanted to invite Renzong to a meal, but Renzong rejected their offer. The emperor doesn't care about eating and drinking, he has been very busy these days, and he finally came out once, Renzong remembered that Su Xiaoyou, who had a peach blossom face and a cute expression.
When he left the door of the Chamber of Commerce, he asked, "Shimei, how is the woman surnamed Su now?" ”
Chen Yuan's heart suddenly smiled, the emperor is also a man, and he can't forget some favorite women, he hasn't asked these days, Chen Yuan almost suspects that Renzong really forgot Su Xiaoyou, and is thinking about finding a suitable opportunity to remind him.
Now listening to Renzong's question, Chen Yuan immediately said: "Weichen doesn't know, since he picked up her father, Weichen left them some money for them to live there, and these people didn't go to visit, thinking that the money should be enough for them to spend for a while." ”
Renzong pondered for a moment: "Hengzhu doesn't have anything to do now, let's go and take a look together." ”
Chen Yuanying said: "Yes." ”
The arrow shot at Lao Pang was finally on the string, and Pang Ji had not yet realized that he had become the target of his hunt, or rather the prey of Lu Yi's brief hunt. This plan was conceived by Lu Yijian, who was just an implementer, and Lu Yijian obviously wanted to create the last brilliant record before the end of his life.
Su Xiaoyou had been waiting for Renzong's arrival, although it had been three days that had passed that made her very confident, and although Chen Yuan hadn't informed her at all when he came, Su Xiaoyou had behaved so perfectly. She was obviously really suited to the battle of the court, because even if the past day meant that her hopes were a little smaller, she was still ready to welcome Renzong's arrival.
Whether it is clothing or other aspects, there is not the slightest flaw. Seeing Renzong appear, she was stunned for a moment, then with a grateful face, she walked in front of Renzong in a few steps and bowed down: "Thank you Zhao Daguan for your great kindness, the little woman has nothing to repay." ”
Renzong hurriedly stretched out his hand and lifted it away: "It's just a gesture, the girl doesn't have to be like this." ”
Su Xiaoyou didn't get up, and knelt on his knees and kowtowed his head fiercely. After two strokes, his forehead turned red, Renzong didn't care about any etiquette, and hurriedly stepped forward to support her jade arm: "Get up, get up." ”
Su Xiaoyou turned his head and shouted at the house behind him, "Daddy, come and see your benefactor." ”
Old man Su immediately rushed out, and immediately knelt on the ground after seeing Renzong, and kowtowed desperately: "Little old man, thank you for the grace of the rebirth of the big officials!" ”
Renzong didn't help him with his own hands, and those two hands supported this Su Xiaoyou's arm and made a color to Chen Yuan. Chen Yuan immediately understood, and went up to help the old man Su up.
The father and daughter hurriedly let Renzong into the house, and after entering, Renzong found that the original room was separated by a wooden board from the middle, and a floor was made next to it, and the space seemed even more cramped.
There was a stove outside, and a small pot was burning on it. When I opened it, I saw some wild vegetables and a small amount of japonica rice. Renzong took a look: "You guys just eat this?" ”
The old man Su immediately bent down and said: "The big officials don't know, these rice noodles are too expensive, and the little old man sets up a stall on the street to help people write letters, and he has no income, so he relies on the little girl to play and sing in the teahouse restaurant to earn some money." ”
Renzong immediately turned his head to look at Chen Yuan: "Didn't you leave some money?" ”
Chen Yuan looked at Renzong very innocently, and Su Xiaoyou immediately said: "Don't blame this big brother, the money he gave us is here, and I will take it with the big official." ”
As he spoke, he took out a bag of money from the bedside and handed it to Renzong, but he hesitated halfway, and an embarrassed look appeared on his face: "Please be forgiving, these officials have a meager income, except for eating and drinking, when the consultation money is not made up." ”
Renzong shook his head slightly, he didn't look at the money bag at all, but his eyes were even more different when he looked at Su Xiaoyou: "Why don't you use it?" ”
Su Xiaoyou lowered her head and said, "The little girl has been so favored by the big officials, I don't know how to repay it, and I don't dare to make trouble for the big officials anymore." ”
Renzong turned his head to Chen Yuan and said, "Go find a wine shop nearby, it just so happens that we don't have a meal, if the two of you don't dislike it, let's go and have a bite together." ”
Old man Su said with trepidation: "Don't dare to disturb the big officials." He said that he didn't want to come at all, which made Renzong even more sure that the father and daughter didn't know their identities, otherwise, this old man would definitely not refuse him like this.
It was Su Xiaoyou, who picked up the pipa and said: "Big official, the little girl wants to play and sing a few songs for the big official next to her, and help the big official to drink, please allow the big official." ”
Of course Renzong allowed it.
I don't know if it was intentional or unintentional, Chen Yuan actually found a good inn nearby and opened the best room.
The room had two rooms, and when you entered the room, there was a large table for eating. Further inside, there was a small room with a large bed.
Accompanied by beautiful women, while drinking wine, listening to the pleasant singing, during which Su Xiaoyou also raised a glass to accompany him in a timely manner, Chen Yuan? Eating out with the guards, of course.
Su Xiaoyou's ambition is to climb the dragon head of Renzong, so he is also proficient in piano, chess, calligraphy and painting, and talking to Renzong makes Renzong feel very fateful, and he unconsciously drank three pots in a row.
Time passed slowly at this time, and it was not until the room looked a little dim that Renzong realized that it was almost dark.
Hurriedly said: "It's not early today, Miss Su, I'll send you back." ”
He stood up, but his body shook because he had been sitting for so long. Su Xiaoyou hurriedly stepped forward to help: "Be careful, big officials." ”
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(To be continued)