A few days later, Huang Wude had already arranged all the itinerary, and Zhao Yan finally had time to leave, Zhao Shu specially gave him a holy decree, as for the holy decree, there was naturally nothing good to say, all of them were reprimands for Zhao Xu, although Zhao Yan thought that it was useless for Zhao Shu to scold Zhao Ji like this, but he had no choice but to take the holy decree with him.

Like the last envoy to Liao, Zhao Yan left the capital this time and still didn't let Cao Ying and them send them off, just said goodbye to them in front of his home, although he repeatedly promised that he would not go to the battlefield and would come back as much as possible, but Cao Ying and others were still very worried, and repeatedly told him to be careful, no matter where he went, he must take guards with him, so as not to encounter danger, Zhao Yan could only nod again and again.

In the end, when Zhao Yan was about to get into the carriage, Cao Ying suddenly said something that made him cry and laugh, that is, to warn him to be honest in Western Xia, the last time he went to Liao, he brought back a Liao princess, and she was pregnant with a child, if he dared to bring back another Xixia princess this time, Cao Ying would say ugly things in front, and she would definitely not let the other party enter the door again.

For Cao Ying's warning, Zhao Yan naturally patted his chest and assured, it was a coincidence, the last time he went to Liao, he met Xue Ning'er who was just pregnant, this time he went to Xixia, and met Cao Ying pregnant, but this also made Zhao Yan even more reluctant, when the carriage began to leave, he almost kept putting his head out of the window and kept waving his hand, until he couldn't see Cao Ying and them in front of the house clearly, then he sighed and sat back in the car.

Zhao Yan's affairs need to be kept secret, so Zhao Yan did not make a big deal when he left the capital this time, but came to the west of the city by himself, and the team prepared by Huang Wude was already waiting for him, and there was also a team led by Cao Song, the number of people in this team was not large, and most of them were men and stewards of the commercial house. These were all specially ordered by Zhao Yan before.

After Zhao Yan and the two teams met, he immediately began to set off for Western Xia, but as soon as the team left, Cao Song got into his carriage and asked helplessly: "Third brother, you can sue me now, why do you have to go to Western Xia too?" ”

Before, Cao Song went to Zhao Yan's mansion to give a gift to Princess Shoukang. As a result, he encountered a big nail, and until now he didn't understand why Princess Shoukang was angry, and then the sword as a gift was also swallowed by Zhao Yan, and he also asked that if he wanted to get the gift back, he would go to Xixia with him, in fact, Cao Song also knew that Zhao Yan must have other plans to let him go to Xixia, but at that time, Zhao Yan refused to tell him anyway, only said that he should prepare more clever stewards and men. In the end, out of trust in Zhao Yan, Cao Song hastily arranged the affairs of the family and prepared to go to Western Xia with Zhao Yan.

"Don't worry, this journey is still a long time, we have time!" Zhao Yan opened his mouth at this time, but the old god was there, and he was very entangled now, on the one hand, he asked Cao Song to go to Western Xia with him, and he did have an important plan. If it is successful, Cao Song will definitely gain fame and fortune. Even by taking this opportunity to become a rising star among the nobles, there will definitely be many families who are willing to marry their daughters to him, even if he still wants to marry Princess Shoukang, he can be worthy of his identity. But on the other hand, he wanted to let Cao Song leave Princess Shoukang for a while, so that they could all calm down for a while.

"Hey, third brother, I beg you. Hurry up and tell me the reason, I haven't slept well in the past few days, and if I continue like this, I'm afraid I'll have died young before I reach Western Xia! Cao Song pleaded with a sad face. He is a very curious person, and he can't stand Zhao Yan hanging him with things all the time.

Seeing Cao Song's pitiful appearance, Zhao Yan couldn't help but soften in his heart, the words that Master Huining said can't be sued to him for the time being, but the reason for letting Cao Song go to Xixia is to sue him first, so that Cao Song can also be mentally prepared.

Thinking of this, Zhao Yan thought for a moment and finally spoke: "Brother Jiu'er, you have now taken over the Cao family's business, and you can be said to be a thorough businessman, but I don't know if you have ever done business on the battlefield?" ”

"Battle...... Battlefield? Cao Song's eyes widened when he heard Zhao Yan's words, and then he said with an incredible face, "Third brother, you're not kidding, what else is there on the battlefield besides the dead, and if you are not careful, you may lose your life there, how can you do business?" ”

But in the end, Cao Song suddenly thought of something, paused for a moment, and then said a little suddenly: "I understand, third brother, you are not talking about the business of transporting military rations, the imperial court has a decree, you can transport grain to the northwest for salt, and then use the salt to change salt, but if you want to change salt, you must have grain in your hands, our Cao family has never done a grain business, it is impossible to exchange for salt, is it possible that you have a way, third brother?" ”

"Where are you doing this, I didn't let you do this kind of business!" Zhao Yan said disdainfully when he heard this, the salt quotation of the Great Song Dynasty is still a monopoly method, and anyone can make money by relying on compulsory monopoly, and the business he wants to do depends on his mind.

"What's that?" Cao Song asked more curiously at this time.

"It's not easy to explain this business, let's start with Jiaozi!" Zhao Yan thought about it for a while and finally spoke.

"Jiaozi?" Cao Song was stunned again when he heard this, he was naturally very clear about this kind of banknote, and even used it in Tokyo, this kind of Jiaozi was first used in Sichuan, it was very chaotic at first, and then after the regulation of the imperial court, only sixteen wealthy merchants were qualified to issue Jiaozi, and in the early years, those rich merchants in Sichuan spread the money for issuing Jiaozi to the capital, which also made Jiaozi begin to circulate in the capital.

"Yes, it is Jiaozi, don't look at the people who use Jiaozi now, but our copper coins in the Great Song Dynasty are too cumbersome, especially when the transaction amount is huge, it is very inconvenient to use copper coins, but paper money does not have these problems, so I dare to conclude that paper money will replace metal currency in the future!" Zhao Yan finally cut to the knack.

"Yes...... But what does Jiaozi have to do with the battlefield? Cao Song became more and more confused the more he listened.

"Don't worry, listen to me slowly!" Zhao Yan still smiled unhurriedly at this time, "Paper money will definitely replace the original metal currency, but paper money also needs to be issued by an institution, and now the money shops that issue Jiaozi are the sixteen money shops opened by wealthy merchants in Sichuan, but their money shops are not very formal, and their profits are limited, so I plan to let you open a new type of money shop, let's call it a bank for the time being!" ”

"Banks?" Although Cao Song understood what Zhao Yan wanted him to do when he heard this, he still didn't understand what this so-called bank had to do with the war?

"Although the bank is very different from the money shop, the most basic function is to let people save money and lend money, but the market in Tokyo City has been monopolized by the money shops of those wealthy merchants in Sichuan, even if you open the bank, it is difficult to open the situation in a short time, so I plan to let you and I go to the battlefield, if you can open the situation from there, then the next development of the bank will be much easier." Zhao Yan said with a smile.

"Open up the situation on the battlefield?" Cao Song's eyes couldn't help but widen when he heard Zhao Yan's words, and even he now wondered if Zhao Yan had a fever, otherwise how could he say such nonsense?

Seeing Cao Song's appearance, Zhao Yan couldn't help but sigh, the Great Song Dynasty hadn't won a battle on the battlefield for a long time, so much so that a shrewd businessman like Cao Song had forgotten the huge profits brought by the war.

"Brother Jiu'er, this time it is our army that has entered the Western Xia, and it has occupied a large area of land in the south of the Western Xia, you are also a disciple of the generals, you should know what this means, now the soldiers on the front line must get a lot of loot in their hands, but they usually need to fight, and it is naturally inconvenient to carry these things, since this is the case, it is better for the bank to keep it instead of them, of course, it is necessary to charge a certain storage fee, and even directly purchase it, and there is no need to give money directly, only need you, me, In addition, the identity of the eldest brother is a credibility guarantee, and they are issued with IOUs similar to Jiaozi, which are best divided into two kinds, one is bound to the person's name, which can only be withdrawn by himself or his family, and cannot be used for circulation, and the other is unnamed, in fact, it is paper money, no matter who goes to the bank with this kind of paper money, it can be exchanged for the corresponding property. ”

Zhao Yan told him about his general idea, but the more Cao Song listened, the brighter his eyes became, and finally he slapped his thigh and said excitedly: "This is really a wonderful idea, and it is also an empty glove white wolf, if it is successful, we don't need to spend a penny at all, we can exchange for huge profits, it's amazing!" ”

"What is this, this time is just to open up the situation with the help of this war, and even I don't plan to make money from those soldiers at all, as long as our credit is established, with the help of these soldiers' mouths in the future, more and more people will trust our bank, a bank only has credit, then there is a foundation for survival, so you must not despise the word credit!" When Zhao Yan said at the end, he also showed a solemn look on his face and said, even if the banks in the future lose money, they must keep their credit, otherwise if there is no credit, then no matter how strong the capital is, it is useless.

"Third brother rest assured, although I have not taken over the family's business for a long time, I also know the importance of the word credit, in addition, although I have not opened a money shop, but I used to do business and often deal with people in the money shop, they also attach great importance to credit, which our bank will naturally do better!" Cao Song also patted his chest and assured when he heard this, although he didn't know what the specific profit points of the bank were, but he believed in Zhao Yan's vision, otherwise the other party would never let him go to Xixia to open up the situation. (To be continued......)