When Li Jian heard this, she also wondered: "Yes, is it possible that this gold is put together, and after a long time, it can still give birth to a little gold?"

Mingxi couldn't help but laugh and said, "You can figure it out, how can there be any little gold?" After that, she took the receipt and looked at it carefully for a while, and suddenly said "oh", "I know, this is not a receipt for jewelry, this is for goldsmiths to keep gold." Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ”

Han Fengqi said: "Keep the gold, it's good, what do you do with it for others?"

Mingxi said: "If we are asked to think about these things, I am afraid that we will not be able to figure it out after thinking about it for a day and a night." However, if he told Liu Quan to listen, he might understand in an instant that this was a trick of their merchants. ”

"The merchant's trick?" Han Feng glanced at Bai Mufeng, only to see that Bai Mufeng's face showed great interest. The young merchant seemed to have thought of something, but he was not sure.

Mingxi said: "As we all know, in addition to being used as jewelry, gold can also be used to buy things for trading, and it is easy to carry. There are many goldsmiths in the imperial capital, and there are also many people who do business. In the beginning, some merchants had a good relationship with the goldsmith, and when the turnover was not working, they would ask the goldsmith to borrow gold to pay in advance, and then exchange it back when they had money. It takes time for gold to make jewelry, and some customers are not in a hurry, and the gold is placed at the goldsmith's place for a month or two, even if it is lent out in the middle, as long as it is returned in time, then no one knows. ”

Mingxi paused, and when he saw that a few people were fascinated by what he heard, he smiled and continued: "Over time, merchants passed on words to each other, and everyone felt that it was safer and more convenient to ask the goldsmith to borrow gold when they arrived at the trading place than to carry money with them. And there are many people who ask the goldsmith to borrow gold, and there are always some who can't afford it...... There were more monks and less porridge, and in order not to lose money and make some money, gradually the goldsmiths wrote on this kind of IOU that the profit was indicated. ”

Han Feng nodded and said, "I understand. When the goldsmith's method of making money spread, the people who wanted to make money must have been interested, and they had no connections with the goldsmith, so they gave their gold to the goldsmith to lend out to make money. ”

Mingxi smiled: "Exactly." The goldsmith gives little profit to the people who deposit the gold, and the profit that the borrower asks for the gold to give him will be multiplied several times, and they do not have to pay the capital, and the difference in interest is what they earn. After that, she smiled at Bai Mufeng, "Bai Gongzi has never seen this way?"

Bai Mufeng's face turned red and said, "I'm ashamed, I'm ashamed, the villain is really shallow, and today I realized that I was so flexible in doing business outside." ”

Mingxi said with a smile: "This is also not to blame Bai Gongzi." I only learned about it in recent years, and this method has only been seen in the imperial capital, and it has not started in other places. Although Jiangnan is rich, there have been mistrophies in recent years, and the people's trading has always been affected; second, Jiangnan is mostly copper mines, and there are few gold and silver deposits, and there is no basis for such deposits and loans. ”

Bai Mufeng said strangely: "But although this Fengzhou is near the imperial capital, it is always a place affected by the war. There are no gold mines around the city, why are the gold shops more developed than in the south of the Yangtze River?"

Han Feng and Mingxi glanced at each other, they couldn't tell Bai Mufeng the fact that Fengzhou City was located next to the gold mine, so they could only divert the topic again. Han Feng said: "Mingxi, but this only answers the usefulness of this receipt, and does not explain why General Zhang wants to give it to Bai Gongzi?"

Mingxi picked up the pieces of paper and looked at them carefully for a while, put them together, pointed to a round mark on the top, and said, "This is the mark of this gold shop." If I remember correctly, this is the Yuan Sheng. ”

"Yuan Sheng?" "I remember, I've seen this mark in Xiangcheng." It's a gold shop!"

Mingxi said: "That's it." This is no ordinary goldsmith's receipt, and this gold shop is no ordinary gold shop. The head office of Yuansheng is in the imperial capital, and the back of the boss is said to be the King of Song, so even the gold and silver jewelry made in the palace is designated to their home. Therefore, the receipts issued by their families can be used as gold. ”

"Huh?" Bai Mufeng's face changed suddenly, although he didn't have much experience as a businessman, he had a foundation in family education, and when he understood Mingxi's words, he naturally knew how much value he had torn up.

Seeing this, Mingxi smiled and comforted: "Don't worry, Bai Gongzi, listen to me slowly." Because of the reputation of Yuansheng and the fact that the foundation is sufficient, most of the people in the imperial capital choose to send gold to their homes. You also know that the imperial capital is very large, from south to north, from east to west, I am afraid that I will not be able to run it all in a day, so Yuansheng is only in the imperial capital, and there are no less than six branches. In order to make it easier for merchants to redeem gold at any time, his family issued a rule that this receipt could be used by all branches in the imperial capital. Those merchants may have deposited the gold in the northern city and handed over the receipts directly to the other party when they went to the southern city to trade, and the other party could also go to the nearest branch in the southern city to pick up the gold, which was convenient and safe. In my opinion, this rule has now been extended to Toyoshu!"

Mingxi's words really didn't make Bai Mufeng not anxious, but aroused the remorse in his heart even more. Bai Mufeng forced himself to scold himself, and reluctantly smiled bitterly: "Anyway...... Anyway, when the villain's food was taken by General Zhang, he didn't think he could come back. The villain has already died for this once, and he will never do anything else stupid. ”

Mingxi said: "I haven't finished my words yet." This gold is not easy to forge, but receipts are always easy to forge, and if this receipt can be used as gold, there is no need to worry that no one will forge it. In my opinion, even if Fengzhou has this rule, the receipt that General Zhang gave you is not true. You see, the color of the Yuan Sheng mark on this receipt is faint, which is not like the situation that should be seen in the fine ink used by Yuan Sheng. If it's torn, it's torn, it's not a loss. ”

"That's good. Bai Mufeng sighed heavily. Although he didn't get much money inside and out, Mingxi's few words really brought him from the sky to the ground, and now he finally saw the light of day again, as soon as he calmed down at this time, his brain became more active, and his eyes suddenly lit up, and he said, "What if...... If the world is too peaceful in the future, the practice of Yuan Shenghao can be promoted throughout the country, the villain wants to ...... That's a ...... ......He subconsciously felt that this was excellent for a businessman, but the person he was talking to was not a businessman after all, but how could he convince the other party that this was good for everyone...... The reason was vague, and he couldn't figure it out for a while.

Han Feng said with a smile: "Bai Gongzi doesn't need to rush this time, if you have any ideas, you might as well think about it slowly." In short, there is still a long time before the world is peaceful, and now our current priority is to conquer Fengzhou. ”