Chapter 033: There are moths in the house (2)

Wang Qifang picked up the bill again, looked at it again from top to bottom, and found that the time when the bill was on sale was June last year...... Is it possible that the storeroom and kitchen are full of bills? Nothing in kind? ”

"Well, it's not all," Amethyst searched for three or four days day and night, so that she didn't turn the Zhao family's treasury and inner account room upside down, and finally lived up to the trust of the second young grandmother and found out the problems in the account book.

At this moment, she was in a very happy mood, and the question asked by Wang Qifang was the part she was most familiar with, and she didn't think much about it, she opened her mouth and replied: "Meat, rice, snacks, all kinds of dried fruits, candied fruits and other items have the most bills, because these things can't be put down, besides, there are so many shops in the east and west cities, and the supply is also sufficient, generally as long as you take the bills every three or four days to exchange them; There are relatively few cloth bills and rouge gouache bills, because these things can be hoarded on a large scale, and they can be exchanged for physical inventory when the bill market price is the lowest. ”

"Wait-" Wang Qifang seemed to understand a little when she heard this, but she still needed to be sure, so she hurriedly stretched out her finger and shook it, "You say, bill market?" Does it mean that these stamps can also be bought and sold? Just like the gold, silver, and copper plates we usually use? ”

"That's right," Amethyst nodded, to be honest, she had been away from the capital for more than two years, and the small mountain village she was assigned to was very isolated. Not to mention the bills that have been popular for many years in the Great Zhou, even gold and silver are rare, and many families still retain the habit of using copper plates during the Li Tang Dynasty.

Therefore, like any cloth stamps and food stamps, Amethyst has not been seen for a long time.

The day before yesterday, if she hadn't heard the rough envoy in the courtyard say that the reward for this year's Mid-Autumn Festival was a two-zhang cotton ticket, she wouldn't have remembered that there was such a good thing.

Because these bills can be exchanged directly for goods of equivalent value, they are basically the same as silver, but they are more convenient than silver. Therefore, since the Confucian Business Association and the major business groups issued bills, a new industry has emerged, the bill south market.

In Nanshi, people can buy all kinds of bills, and some people who have got bills but don't want to exchange goods for the time being, when they are in short supply, they will take the bills to Nanshi to sell.

Up to now, when many people give gifts during the holidays, some people feel that gold, silver, and supplements are eye-catching, so they simply send bills of equivalent value. It's fashionable and convenient for the recipient......"

"Then, if the merchants go out of business or don't admit it, the bills issued by these merchants will soon become waste paper?"

Wang Qifang finally understood, and a wave of uneasiness suddenly surged in her heart, she played with the cloth ticket in her hand, and asked pretending not to understand.

"Going out of business? Well, it's possible, but don't worry. The shop went out of business, and all the notes it issued were converted into cash by the Confucian Business Association according to the market value. Of course, the directors of the Confucian Business Association did not take money out of their own pockets to help the bankrupt merchants pay off their debts.

In fact, when the Renren Confucian Business Association advocated the issuance of bills, it expected this step and made strict regulations, saying that every merchant participating in the issuance of bills must pay a certain amount of deposit.

These deposits have two functions: first, when the merchant goes bankrupt, it is used to compensate the people who hold the merchant's bills; Second, when the merchant has violations, oh, as you said, if the merchant does not admit it, or it is shoddy, once it is verified, the Confucian Business Association will deduct the deposit according to the regulations"

"Oh, according to you, this thing is really a 'good' thing."

Wang Qifang's face was full of excitement, but she was secretly muttering-oh, isn't this the most basic futures?

In her previous life, she didn't study finance, and she didn't know anything about futures, stocks, or anything. However, thanks to many TV series and blessings, Wang Qifang is not completely unaware of these. At least, well, at least more than the ancients knew.

Now people only see the convenience and profits brought by bills, but they do not think that this small piece of paper may plunge the social economy into chaos.

"That's right, so when the slave maid saw that there were so many bills in the account room, the quantity, the denomination and the amount spent in the account book were offset, so she was relieved." Seeing that Wang Qifang finally understood, Amethyst finally showed a confident smile on her pale face, and said with certainty, "Second young grandmother, don't worry, the account books are fine."

No problem? It's weird

Wang Qifang spoke in her heart, and the person who could come up with a bill to offset the account either wanted to frame her Wang Qifang, or wanted to calculate the Zhao family.

Most of the dates of the notes were issued last year, and none of them were issued in the second half of this year. And it was only a month since she returned to the Zhao family, if that person wanted to calculate her, he should not have prepared so long in advance.

It's not to frame himself, it's against the Zhao family

Thinking of this, Wang Qifang's eyes flashed with a gleam, and she asked casually: "By the way, who handled these bills?" Also, who is so smart to come up with such a convenient method, tsk tsk, with bills to enter the account, not only to avoid the loss of the treasury, but also the possibility of appreciation, is simply a business wizard. ”

"Well, this person is really powerful," although Amethyst is good at settling accounts, after all, due to the limitations of the times, he can't see the evil consequences of the rampant bills. After listening to Wang Qifang's words, she quite agreed, and nodded again and again: "As for who originally proposed it, the slave maid also inquired, and it was a steward surnamed Bai in the outer account room. ”

"Surname Bai?" As soon as Wang Qifang heard this surname, she felt that something was wrong, and she pretended to be puzzled and asked, "No, the rules of the Zhao family, the people who serve as the managers of the various departments, the accounts and the treasury must be the sons of the Zhao family." But this white butler shouldn't be the slave of the Zhao family."

"It's really not, but when the old man was in business, he once saved the life of the white steward, and the white steward followed the old man back to the Zhao Mansion in order to repay the favor. Oh, by the way, I heard that the white stewards are famous, and they are dignified talents. If it weren't for the shackles of saving lives, perhaps, people would not be willing to condescend."

When it comes to this white housekeeper, even Amethyst, who has just returned to the Zhao family, is extremely admired, not to mention the master and subordinates of the Zhao family.

It's a pity that Wang Qifang heard these words, but there was only one thought in her mind - there must be something wrong with this surnamed Bai

"However, although the bill is good, there can't only be so many dozens of taels of silver on the account," Wang Qifang took the bill, pretending to be sorry and shook her head, her tone was full of worry, and said: "There are more than 100 people in the family, and it is inevitable that there will be times when you need money." When something happens, people stretch out their hands and ask me for cash, but I can't give a bill. At that time, not to mention that my wife is angry, even I will have no face. ”

"What the second young grandmother said is also true, such a big family lives at home, I really don't know what the situation will be." Amethyst thought about it and felt that Wang Qifang's worries were not unreasonable, after all, the second young grandmother had just taken over the internal affairs, and she could not make such a mistake. Looking at the pitiful cash of less than 100 taels in the account book, Amethyst bit her lip and said with some reluctance: "Why don't you take out some of the bills and let people go to Nanshi to sell them?" ”

Wang Qifang thought for a while, "In this way, you go and bring all the bills, and I'll take a look at it first." Even if you sell, you must also inquire about the market, and you must not sell it cheaply. Well, if it really doesn't work, I'll pay for it myself-"

In the hall, Wang Qifang and Amethyst's master and servant were talking thoughtfully, and under the porch outside the window, a thin figure flashed over.

In the house, Wang Qifang looked at the small hole in the silver-red curtain of the side window, and the corners of her mouth couldn't help but rise.

"Second young grandmother?"

Amethyst looked up, and happened to see her girl smiling strangely, and asked in surprise.

"Hehe, it's okay, you go and get all the bills"

Wang Qifang waved her hand and sent Amethyst to the account room.

After Amethyst's figure disappeared, Wang Qifang said softly: "Qingfeng"

"Yes, Second Young Grandma"

Like the wind, the breeze in an apricot yellow beard fell silently in front of Wang Qifang.

"You go and check the white butler that Amethyst said, remember, I don't want things on the surface," Wang Qifang gently patted the cloth ticket on the table, and commanded meaningfully.

"Yes, my subordinates understand"

Before the words fell, the breeze drifted out lightly again.

Rose Garden.

In the past two days, the whole family was busy with Mrs. Zhao's birthday, and the second housekeeper Zhao Chuwu was afraid that those masons would collide with the nobles, so he took a break for a few days, and then started work again after the family was busy.

At this moment, the huge courtyard is empty. In the glass conservatory, a few roses drooped listlessly with their leaves, and they did not bloom proudly in autumn at all.

"Alas...... It's only been a few years, and even you've withered."

A faint sigh came from the corner of the conservatory.

"Host, host"

The sound of small footsteps came from outside, and a slightly chubby woman in her early forties, wiping her sweat, trotted to the conservatory.

"Huh? What's up? Could it be that there is any movement in the peony garden? ”

Among the roses, there was a back figure squatting, he heard the footsteps of the comer, and he didn't look back, and asked lightly.

"The master is really powerful, that's right, it's the abandoned woman in the peony garden," the woman came to the back, and when she was still a dozen steps away, she stopped, and said respectfully: "Listen to our nails, she found out about the bill."

"What? Found out so quickly? Didn't you say that she had never been in charge of the house, and she had never been in contact with housekeeping? How can you let a person who doesn't know anything find out so quickly, huh? ”

The back still didn't look back, but the tone was already very displeased.

“…… That, master, Wang Qiniang really doesn't understand housework, and it was her girl who found the bill, called Amethyst. I heard that Amethyst has a good abacus and knows how to settle accounts. ”

"Well, she found the bill, what is she going to do?"

The back was silent for a moment, then asked.

"Hehe, oops, the slave has never seen such a stupid one," thinking of the report of the eyeliner, the woman laughed out loud, "Master, that Wang Qi Niang actually wants to pay for all the bills by herself, just ask for more cash on the account, so that she can look good."

"Buy it yourself?" The back seemed to be pondering, and after a long time, he said with a little excitement, "Okay, then sell it all to her, hehe, use some worthless pieces of paper, I will empty Mrs. Zhao's warehouse."