“…… Although Qingjiangpu does not know the details, but probably can estimate how much, many people want to come to borrow, interest or something is good, subordinates think, this silver in the treasury is useless, if it can be released to earn interest, it is really not bad, Qingjiangpu here so much goods trade, silver in and out I don't know how much, they have to call the position, into the master's silver in these businesses turnover interest, a year down, I am afraid that the income is not worse than the business, and then again, there is our Zhao Ziying in, Who dares to play tricks, who dares not to repay debts" The account book in Zhou Xuezhi's hand was not opened, he kept talking, this is the important thing for Zhou Xuezhi to interview Zhao Jin, he already has a set of cases in his heart, especially when he saw Zhao Jin listening attentively, Zhou Xuezhi was even more happy in his heart.

After finishing a set of plans, Zhou Xuezhi couldn't help but be thirsty and picked up the tea bowl to drink tea, looking at Zhao Jin in contemplation, Zhou Xuezhi couldn't help but say again: "Master, this money lending and debt collection, adjusting positions, after a long time, this Qingjiangpu business will be caught in our hands, who is disobedient, as soon as the silver is pinched, he will not be able to do business, who is buying and selling, as long as Yunshan Xing wants to enter, he can swallow it directly, no one can say whether it is or not, business contacts, money in and out, who can say about us." ”

After saying this, Zhou Xuezhi coughed, and looked at Zhao Jin with some apprehension, during such a conversation, Zhou Xuezhi never felt that Zhao Jin was more than ten years younger than him, Zhao Jin was incommensurate with his age in many cases, and sometimes he was very old-fashioned, and he had a bottom line in doing things.

Zhao Jin was pondering, and his expression became stricter, which made Zhou Xuezhi's anxiety even worse, although Zhao Jin was young, but when the two communicated, Zhou Xuezhi always felt inexplicable pressure, from the master of a cult to the famous Zhou Da in Nanzhili, Zhou Xuezhi knew who gave this qiē, and he didn't want to lose it.

"Your method is good" Zhao Jin opened his mouth and said, this sentence reassured Zhou Xuezhi, Zhou Xuezhi's idea can't be said to be amazing, borrowing to earn interest, and there is more than one wealthy businessman in Qingjiangpu who has sufficient funds to do this, but through guò this loan control Qingjiangpu's various businesses, you can grasp these businesses in your hands at a critical time, this is a great revelation, which makes Zhao Jin think of a lot in his memory.

"But you can't think enough of it." Zhao Jin spoke very slowly, he was reminiscing as he spoke, but Zhou Xuezhi couldn't help but sit up straighter, with irrepressible excitement on his face, he knew that he was right.

"Lending to earn interest, this business can not only be done in Qingjiangpu, Xuzhou and Yutou Town can also be done, we can not only take their own silver out to eat and rest, but also ⊥ others to put their own silver in our place, but also release it to earn interest, now Xuzhou has a big market, Qingjiangpu has a big market, Yutou Town also has a market, businessmen come and go to these places to carry a large amount of money, not only inconvenient, but also risky, if they put the silver in our cabinet, let's issue a ticket, With a piece of paper or a sign, you can go to our branches to exchange money on the noodles, and this business can also be done. "Zhao Jin is pure and seductive.

Zhou Xuezhi leaned forward, lest he miss a word, and when he heard this, Zhou Xuezhi nodded again and again and said, "The master is right, we can also do this meeting ticket."

The bill with a similar concept of silver check has been available in the Jiajing year, the name is called the meeting ticket, and it is also a large merchant with enough strength to issue bills, which can be exchanged for huàn cash in branches everywhere, which is mainly to serve officials and scholars who travel between the north and the south, and the face value is not large.

"If you think about it again, our Yunshan Bank, Sunjia Commercial Bank, and Zhaojia Commercial Bank are all over the south and Jiangbei, that is to say, the merchants and people here can exchange huàn silver and bills everywhere, we have silver in our hands, and we have a good reputation, no one will think that we will repay the debt, at the beginning, they will still save here, redeem there, but after a long time, our reputation is also there, and they are not willing to take a large amount of silver to toss, directly give our bills, and the outside will recognize it, Do you think that this place in the south of Zhili and Jiangbei will not use silver, and will use the bills we issued when the time comes? Zhao Jin smiled and deepened the topic again.

Zhou Xuezhi nodded subconsciously, but after a click, he was stunned over there, his eyes were scattered, and the person was completely distracted, so rude to think, thinking about it, his whole body trembled, and he took a few deep breaths before he spoke: "According to what the master said, won't we be able to directly issue a bill in the future, our bill is one hundred taels, and the outside will be regarded as one hundred taels of silver, no matter whether we have this one hundred taels or not?" ”

Zhao Jin smiled and nodded, what he just said was a simple routine of banking and finance.

Zhou Xuezhi was shocked when he said this, shook his head and said, "But don't make it the same as treasure money." ”

"If you have credit, you won't, this is just a means, not all means." Zhao Jin replied with a smile, Daming also had banknotes and bills Daming treasure banknotes, but the depreciation was very fast, and it quickly became a waste paper-like thing, and it also became a means for the Ming royal family to exploit the people, but that the Ming royal family did not cherish their own credit, and paper money and bills relied on credit, for the Zhao Ziying system, this credit does not have to worry, at least in the eastern part of the south and north of the Jiangbei do not have to worry.

At this time, Zhou Xuezhi was already a little crazy, what he wanted to say when he came to Zhao Jin tonight was to revitalize the large amount of gold and silver stored in the zài vault, but he didn't expect to hear Zhao Jin's words, Zhao Jin didn't say too much, but even these not very detailed words have lifted the curtain to a small corner, and the golden light revealed by this corner has already shocked Zhou Xuezhi and made him dizzy.

When talking, because he responded to thinking, he could still stay awake and be silent, Zhou Xuezhi felt countless thoughts surging in his mind, he seemed to see an incredible prospect, this prospect made him unable to calm down, at the foot of this curtain, it seemed that there was a golden mountain......

"Jin Ye, Jin Ye will wait for a while, and his subordinates will write these down first." Zhou Xuezhi said in a trembling voice, what kind of etiquette did he take care of at this time, and after finishing speaking, he didn't wait for Zhao Jin to agree, and directly took out a pen and paper to record it.

His voice trembled, his body trembled, and he said while recording: "Jin Ye, now every spring and autumn, it is the hottest time for borrowing, it won't take long for us to do this, we can grasp the money and grain of the entire Nanzhili in our hands, whether it is to collect and sell grain, we have to use our family's silver, when the time comes, when the time comes, when the time comes......"

When he said this, Zhou Xuezhi's face was even a little frightened, Nanzhili is one of the grain producing areas in the Ming Dynasty, and it is also the richest place, if you can do this, then what is Zhao Ziying? Zhou Xuezhi originally thought that he had thought of this, but he really felt that it was within reach, but he didn't dare to think about it.

At this moment, Zhao Jin did seem much more mature than Zhou Xuezhi, and just said with a smile: "Slowly, we can't even find the manpower to open a branch now, and it's still early for this money bank." ”

Speaking of this, Zhou Xuezhi finally calmed down a lot, took a long breath and said: "Jin Ye is right, we don't lack people who can fight and kill now, but there is a shortage of people who can write and settle accounts and do things in a down-to-earth manner, but this money bank ticket number is really a good name, and it is worth borrowing and borrowing to earn interest, isn't it just taking silver money to do business, it is called Yunshan Money Village." ”

Zhao Jin coughed twice, thinking that it is difficult to say that there is no money bank ticket number now, thanks to the fact that he did not say the word "bank", thinking about it carefully, it seems that the word "bank" is more suitable......

For Zhao Jin, it was just an ordinary conversation, but for Zhou Xuezhi, it was not, he didn't even want to stay here longer, and hurriedly said goodbye, going back to digest what Zhao Jin said.

After talking so much, the next thing to do is to rest for a while, or go to Qingjiang City to have a look, but at this time Liu Yong came again, several of the partners are stationed somewhere, only Zhao Jin has to patrol back and forth, Ji Xiang is to follow, and Liu Yong's internal guard is very independent, and it also needs to act secretly, Liu Yong runs between Xuzhou and Qingjiangpu all day long, and Lei Cai is going to a certain place to preside over something, the two have their own division of labor, but Zhao came in, everyone is still used to reporting, and some things are different after all.

"Big brother, little brother has a presumptuous remark, I don't know whether to say it or not." Liu Yong opened his mouth and confessed first.

Zhao Jin frowned and said with a smile: "What is presumptuous about my own brother, just say it." ”

"Big brother, although we have combed the Wenxiang Sect again and again, but the younger brother still feels that it is not clean to eradicate, Zheng Quan is a Xiangtou here, and he is diligent and diligent, but his skills are very poor, the younger brother thinks that they are originally the disciples of Sister Lan's family, it is better to let Sister Lan take care of it, Sister Lan has also made a situation in the Wenxiang Sect in Dongchang Mansion, let her sort out the dark line of the Wenxiang Sect, it will definitely be more effective than now." Liu Yong said that it was presumptuous, but he didn't hide it at all, it seemed that he had a case in his heart.

Zhao Jin just sighed after hearing this, and said helplessly: "Let Xiaolan slow down first, she looks calm, but she hasn't recovered yet, don't rush to let her do things first." ”

Liu Yong nodded and didn't speak again, the two talked about something else, Zhao Jin didn't know much about Mu Shulan's thoughts, but Xu Zhenzhen saw it very clearly, although Mu Shulan has always talked and laughed freely, but after entering the Zhao family, she never took a step in the Zhao family's house, when Zhao Jin was not there, she was either by He Cuihua's side, or she followed Xu Zhenzhen, Mu Shulan was still afraid, the sudden change in Linqing had too much impact on Mu Shulan, the reason why she was good was just that she had learned some skills to cover up in the past few years.

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