After Li Er left the fair, Qi Heng began to negotiate with the merchants in turn and sign a contract, and his main task was to collect money and use it for the next step of construction.

"Brother Qi, you have to raise your hand this time and give me a little more goods!" One of the old shopkeepers who has a good relationship with Qi Heng takes care of Qi Heng on weekdays, but this time he was just looking at Qi Heng's face and came to cheer him on, but he didn't expect such a big surprise. If you can get a little more new products this time, you will definitely be unique among all the stewards at the end of the year, and the bonus is one thing, and what he needs in this position is recognition and face.

"Shopkeeper Liu, our friendship naturally can't let you go less than others. But after all, the goods are limited, even if you give you more, but not too much. Qi Heng said apologetically, "But the little brother will also tell you the truth." If you can pay the advance payment first, and wait for the second batch of goods, I can pick up the goods first, and then give them to other families. ”

Shopkeeper Liu rarely conducts this kind of transaction with others, pays first, and then picks up the goods, and is a little uneasy, but thinking of Qi Heng's performance today, there is Changsun Chong behind him, so he will not come nonsense, rely on his payment, nodded and said: "Brother Qi, the old man will believe you, I will go back to Dingzhou to withdraw the money later, will it be determined how much and how much will be less?" ”

"That's nature!" Qi Heng nodded and said, "Don't worry, we can produce hundreds of pieces of fabric a day, and we will definitely be able to ship it as soon as possible." ”

Shopkeeper Liu listened, nodded and said, "That's very good!" The number of quilts may not be so much, but it must be as many as possible. ”

"We have such a good relationship, so naturally we will come to you first. By the way, would you like to visit our workshop later? Qi Heng felt that his friend had come and should open his eyes. It is not in vain that this man has come all the way to support him.

Shopkeeper Liu listened, waved his hand and said, "No, what is the relationship between your young master and our young master, even if you can lie to me, your young master will not cheat our young master." Shopkeeper Liu said with a smile, because he was the shopkeeper in the store under the name of Cheng Yanjin's family. This old man is a person who understands, if Eldest Sun Chong continues to want to continue to mix in the merits, this credit cannot be lost. If it really hacked their family's money, not only would it be difficult to get past it, but maybe the young master of his family would beat the eldest grandson Chong hard.

"Shopkeeper Liu's discernment. So when do you make a contract? Qi Heng asked.

"Xiao Lao'er has gold on him, which is enough to pay for this pick-up, but the pre-purchase money is not enough, but I will go to Dingzhou to get it. I'll give you a number here. I'll ask for another two thousand ordinary calico, two thousand calico. As for the color. Let's divide it evenly. Buy it first, talk about it later. Shopkeeper Liu hurriedly signed a contract with Qi Heng, and then hurriedly went to raise money.

Originally, Shopkeeper Liu wanted to pick up the goods first and give the money later, but Qi Heng resolutely disagreed, and reminded you vaguely. This is the imperial court's project in the north, and it is in urgent need of money, which makes many acquaintances lose their minds and honestly withdraw money. Make a contract and remind them that if they pay late, they will have to get the goods later.

In the evening, the eldest grandson Chong got Qi Heng's report, and today, he sold the prepared cotton cloth and cotton, totaling 30,000 taels of silver. Then there was the pre-sale situation, and I actually got a pre-sale order of 55,000 pieces of ordinary cotton cloth, 38,000 pieces of calico, and 10,000 pieces of quilt wool, with a total amount of about 300,000 taels of silver. These payments must be made within three days before a formal contract is signed. If you don't pay the full amount after three days, you will have to cancel the reservation.

"Cousin, we have a lot of orders today, which can be regarded as a preliminary solution to our financial difficulties." Li Chengqian looked at the account book and was very happy.

"Yes, but it won't really be in our hands until they get the money, so don't be too happy." Changsun Chong reminded that in the past two years, I have also seen some people who do business, pulling money all the way to buy things, which is time-consuming and laborious, and it is convenient to swipe the card.

Thinking of this, Changsun Chong was originally leaning on the soft couch, and a carp stood up, walking back and forth on the ground excitedly. If you can't get a bank card, you can get out of the money bank, so you can save a lot of trouble, and you don't need to pile up the house full of copper money and silver, and when the weather is humid, you have to take it out from time to time to dry. It's not about showing off your wealth, it's about preventing rust.

"Big cousin, what's wrong with you?" Li Chengqian saw that the eldest grandson Chong was unusual, and hurriedly asked.

Changsun Chong waved his hand and said: "No, I just thought of a good idea, with this, it can greatly promote the development of Datang's business." ”

"Big cousin, are you telling you the truth?" Li Chengqian was also interested.

"When have I ever said empty words, so let's talk about the general situation with you, and you can improve it, which is a common credit for the two of us." Changsun Chong is too presumptuous, and now as long as he has merit, he will want to share it with others to ease the scrutiny of the outside world.

Li Chengqian was excited in his heart and said, "Oh, hehe, the eldest cousin really cares about the younger brother." ”

"You are my cousin, I don't care about you, who cares about you." The eldest grandson smiled and said, "You kid is also a little more angry, use your brain more." ”

"Yes, the eldest cousin said yes, by the way, eldest cousin, you hurry up, what the hell is going on?" Li Chengqian urged.

"You also saw today, we businessmen do a business, big carts and small carts pull silver to buy things, it is time-consuming and laborious, and it is very unsafe, and people and money are often robbed by bandits and robbers, and sometimes it is difficult to save their lives." Eldest Sun Chong said with emotion.

Li Chengqian was a little puzzled, and said: "Big cousin, since ancient times, it is natural to pay money with one hand and deliver goods with the other, and if you don't bring money, people won't give them anything." ”

"There is no problem with paying money with one hand and delivering with the other, but the transportation money I am talking about is more troublesome. That's what I'm trying to solve right now, and that's money. "The eldest grandson Chong has been using bank cards for more than ten years, and he knows very well about the prototype of banks, especially in high school history textbooks, but he focuses on explaining ancient Chinese commerce.

Li Chengqian scratched his head, Qian Zhuang, from this name, you can probably guess that the money in the Qian Zhuang must be filled with money, and asked: "Big cousin, what do you say about this Qian Zhuang, hurry up and say it, the younger brother has no head to buy a brain now, I don't understand." ”

You kid can figure it out, then you are really smart and don't need to be taught, and said: "Qian Zhuang, as the name suggests, is dealing with money. I'll give you an example, we opened a money bank in Chang'an, and we also opened a money bank here. These merchants from Chang'an only need to deposit their money in our Chang'an bank, we give them silver tickets, let them go to our money here in Dingzhou to withdraw money, or do not need to mention money, directly give us the bills, we can also go to the money in Dingzhou to withdraw money, this is not very convenient. ”

"But if you calculate it this way, this money still needs to be transported from Chang'an to Dingzhou!" Li Chengqian didn't understand why he did this extra thing.

"Your suspicions are very reasonable, the money is transferred between the money bank, and we can ask the army to escort it, so that no one can take it away, and the safety of the money is guaranteed; Secondly, if we have money banks in major cities across the country, then we can trade with silver tickets, which represent silver money, and can be exchanged for silver at any time in any bank, so isn't it safe and convenient? Changsun Chong explained.

Li Chengqian did not answer immediately, but weighed the pros and cons according to what Changsun Chong said, and suddenly his eyes lit up, and he looked at Changsun Chong and said with emotion: "Big cousin, how did you grow in this brain, you can actually think of this, the younger brother is taught!" ”

"Now that you know the outline, then you think about how to improve the money system." The eldest grandson Chong asked Li Chengqian to do it.

"Cousin, I think this money must be held in the hands of the imperial court, and only the imperial court has the ability to support such a huge plan. First of all, the younger brother thinks that we can't work in vain in this money bank, and we have to charge a certain fee. The merchants saved a hundred and a hundred pieces of silver, and we had to charge a fee of one or two silver, which could offset the consumption of the imperial court, and the merchants naturally did not care about these two pieces of silver for the sake of safety and convenience. Li Chengqian thought of the fees, if he didn't make money from this, then he would have to pay for it from the treasury, and where would the treasury get the spare money to do this.

The eldest grandson nodded again and again and said, "Yes, that's good." However, there is another point, not only can we get the exchange business from the merchants, but we can also take deposits, that is, we can deposit the money of each family into our bank, and we can give a certain amount of interest. You can get interest, and you don't need to worry about the moldy copper coins at home, killing two birds with one stone. ”

Li Chengqian was puzzled: "In that case, aren't we losing money?" "Not only give interest to others, but also keep money for others, and work in vain.

Changsun Chong shook his head and said with a smile: "Then we have to carry out the second half of the action, you think, we have absorbed so many deposits, of course we can't let this money rust in our treasury, what we have to do is to make further money." ”

"Big cousin, say it quickly, how do you make money?" Li Chengqian hurriedly asked.

The eldest grandson Chong was speechless, and he said immediately, it's not because you kid doesn't understand, I'll waste a few more words, and said: "We can lend money to some people who urgently need money turnover, so that we can charge interest according to the amount and time of the loan." ”

Li Chengqian, who was still full of interest, shook his head again and again when the eldest grandson Chong said about lending: "No, no, usury is going to be beaten to death by my father." ”

The eldest grandson Chong was stunned for a moment, then laughed, and said: "You kid has a strong sense of distress, usury is illegal because of his high interest, we lend, but not usury, as long as it is a little higher than the deposit interest, so that the entry is low, the output is a little higher, and we can earn a little bit when we come and go." (To be continued......)