The wheels of the cart creaked over the rutted road and turned into a Zhuangzi.

A middle-aged man dressed like a well-off family, wearing a felt hat, but very thin and shriveled chest, carrying a scroll of ledgers, hurriedly walked into the courtyard. Before leaving, he did not forget to instruct: "Drive the car to the front yard and wait." ”

In the backyard, Sun Zhuo leaned on the couch, the wine jar that fell on the dining table in front of him, and the messy dinner plate, which was quite sloppy. However, Sun Zhuo was not drunk, and he was very happy. As soon as the carriage entered the courtyard, he heard movement. It's just too lazy to get up, still reclining, half-dead. Since his name was trampled on the ground by Li Yun, he often lived such a lazy life.

"Master, according to your orders, the little one sold all the food stamps and brought the money back."

"You didn't meet any acquaintances, did you?"

Since Sun Zhuo was beaten by Li Yun of the state government, the news once spread all over the sky. I always feel humiliated and ashamed. made this good man on the ground in Yingzhou in the past ashamed and unable to see people, so he could only drink alcohol at home to live.

The news of the opening of the exchange was all obtained from Liu An.

Liu An's meaning wanted Sun Zhuo to advance and retreat, and the three of them were warehouse supervisors, although they were deprived of their powers by Zhizhou Su Shi. But after all, it is an official status, or a small group of offensive and defensive alliances, and it is necessary to communicate with each other. It's just that the transfer envoy is not powerful, and he does not give them a few platforms. So much so, almost a month has passed, and several people seem to be idle.

Since Sun Zhuo has rarely come forward, Liu An has often performed in front of Jia Dao. This made Sun Zhuo even more dissatisfied.

Liu An's words were in Sun Zhuo's ears, it was like a piercing ear to Sun Zhuo, and he was about to blow him up, in the past, only he told Liu An, since he broke face in front of Li Yun, even Liu An was born, and he dared to interfere with himself, and it was against the sky!

It stands to reason that where you fall, you get up.

But when Sun Zhuo faced Li Yun, his heart beat a drum.

At the beginning, Li Yun cleaned him up, single-handedly, and rushed over alone. The knife in his hand was not unsheathed, and with a pair of legs and a fist, he beat himself down.

If you want to get back face, I'm afraid there is no hope in this life.

In particular, Li Yun is a disciple of Su Shi's son, and with Su Shi's back, he can't use the official means.

The more he thought about it, the more angry Sun Zhuo became, although he was very dissatisfied with Liu An, he also sent someone to the exchange to inquire about the news.

But this one is terrible.

The price of grain in April and the price of grain in May skyrocketed to the point that he was surprised by the reaction. One hundred and thirty wen a bucket...... One hundred and thirty-five Wen Yi Dou......

If this continues to rise, won't it cost two dollars and one stone?

Don't look at Sun Zhuo as reckless, but this is character, he is not stupid at all. After all, a fool can't do things that bully good women and take advantage of them. He also thought that there was no room for food prices to rise, so he hurriedly thought about getting rid of it. Only then did the housekeeper sell the food stamps in his hand and exchange them for money.

He's also a big man, but he's not the kind of big guy who takes the lead. Before the big families bought food stamps, Sun Zhuo didn't dare not buy them, but he didn't expect that these pieces of paper also brought him benefits. He kicked the food table impatiently, and Sun Zhuo struggled to prop himself up from the couch, walked out with his shoes on, turned his head and asked, "It's all changed into money, right?" ”

"It's all first-class money!"

The housekeeper tried his best to lower his waist and curry favor with Sun Zhuo.

Sun Zhuo looked at the money of the two carts, and suddenly became full of spirit, and said with anticipation: "Now that the dealers have recognized the money, this money must be lent out as soon as possible to add interest." ”

The housekeeper glanced at Sun Zhuo in embarrassment, and tried to speak several times, but he couldn't help it. In the end, I had no choice but to bite the bullet and say to the master: "Owner, the family's money can't be borrowed." ”

"What?"

Sun Zhuo was stunned, he was only worried that the money in his hand was too small, and he wanted to break one into two and borrow more money to go out. So that money can make money.

But suddenly the housekeeper told him that he couldn't borrow any money, what was going on?

The housekeeper looked at Sun Zhuo cautiously and did not speak.

The reason, most of the time, let him guess. Sun Zhuo used to lend money to dealers, but they were all forced to borrow and collect, and his reputation had long been broken. Now that the spring ploughing has passed, the state government has issued obituaries and lent the grain to the people in need. In this way, large households have one less way to get money. In addition, Sun Zhuo's reputation is really worrisome, and no one wants to believe his excuse that he is good to borrow and repay.

But Sun Zhuo was wrong, he thought that his face was trampled on, which made the farmers dare to disobey him.

But if Sun Zhuo still uses the previous methods to the villagers, he will ask for reinforcements if he can't keep these mud legs. The reinforcements are not far away, and they live in the state office, and it is the kid named Li Yun.

Sun Zhuo couldn't understand what he said, how many years of accumulation of prestige would be ruined in the hands of a half-grown child. Like the wind, I don't know where to go in a trance.

Sun Zhuo, who had no way to make money, had no choice but to let the housekeeper go to the exchange every day to stay, thinking about waiting for the price of grain to drop and then buy a batch of them. Maybe make a little more.

The government of Yingzhou did not do nothing.

Instead, a decree was issued that before the summer grain came down, the grain in Yingzhou was only allowed to enter and not to leave.

Grain prices remained high, and in previous years, the big farmers' method was to buy off the forbidden army and prohibit grain merchants from transporting grain into Yingzhou by water. After all, the commerce of the Great Song Dynasty was maintained by canals, and the developed water transportation system of the Great Song Dynasty created the prosperity of the Great Song Dynasty.

If the board car was the most important means of transportation, the business of the Great Song Dynasty would have collapsed long ago.

Shipping, developed canal transportation, is an important reason for the development of the Great Song Dynasty.

This is also the reason why no other dynasty can have five cities with a population of more than one million like the Great Song Dynasty. More than 50 cities with a population of 100,000. Compared with Europe at the same time, the largest city is equivalent to the second-rate city of the Great Song Dynasty. In a city with a population of one million, I am afraid that even Europeans will not understand, how can such a huge material consumption be guaranteed?

Luoyang, Xijing, there is the Luo River, the Yellow River through the canal; Tokyo Bianliang is even more accessible by water; Yingtianfu, there are also canals to connect; As the northernmost capital of the Great Song Dynasty, there is also a canal between it and Bianliang.

The materials that maintain the four million-level cities in the Central Plains are all through the canal to ensure the material needs.

Yingzhou is on the edge of the Huai River, how easy is it to transport supplies?

That is, now is the time of food shortage, and the surrounding grain merchants have no chance to transport a large amount of grain into Yingzhou. In previous years, Zhizhou didn't care about things, and the general judgment wanted to take care of things, and the navy on the Huai River ignored him. It's different if Su Shi is replaced, he has a reputation and has enough rank, and it is no longer realistic to buy off the forbidden army to prevent grain merchants from entering Yingzhou.

During the period of high grain prices, it was indispensable to arouse the peeps of the surrounding grain merchants. Once the stagnant water of Yingzhou comes to the fierce big fish outside, I am afraid that the big households in Yingzhou will not be able to sit still.

Grain merchants transported grain into Yingzhou on a large scale, and the grain price in Yingzhou was bound to be broken. This is still secondary, and what is more worrying is that once the businessman enters Yingzhou, it will completely pry the fundamental interests of the big households in Yingzhou. Once the interests of tying the farmers together are lost, the big households in Yingzhou are the phoenixes that have lost their hair, and there is not much difference between them and the water chickens.

The big ones are starting to get worried.

In particular, the exchange is regarded as a thorn in the side.

But Kang Jin, who is backed by the state government, is now trembling, and he is not afraid of the threat of big households at all. Su Shi even once sent officials to patrol around the exchange, and when he found that there were bastards, he arrested him and beat him on the street.

It's not just Sun Zhuo, Jia Daoquan, Liu An and others who have sent people to mess around on the exchange. Food stamps were also sold when the price was right.

With this one in and one out, there are more food stamps on the market.

In addition, the price is really outrageous, and it has risen to 1,600 wen a day in nine days. Then the price dropped, leaving a large number of buyers to be fooled. However, the exchange did not desert, but after playing for a while, customers asked for more types of transactions.

The April and May rations alone were simply not enough for them to play.

It's like a game in a gambling house that only has a big or small gambling game, and after the freshness passes, who will play it?

Li Kui very intimately increased the June grain period, and now there is no need for food stamps, but trading coupons. After the trouble of counting the food stamps one by one, the transaction amount increased significantly.

The big families got off the field one after another and started the most exciting fight.

Since the opening of the exchange, the gambling house business in Yingzhou has plummeted. Food stamps are inherently related to the lives of the people, and the price fluctuations are huge, which is much better than being slaughtered as a fat sheep in the gambling house. Price transparency, transaction transparency, are transactions that happen under the nose. And the kind of asset increase that rises by a few times, tens, or even hundreds of times at every turn is addictive.

Soon after, the number of traded products continued to increase by two.

Tea oil.

Tung oil.

Camellia oil is produced in the two lakes, as an oil, camellia and camellia oil two varieties of camellia oil are very unfriendly to the hard-working people, this thing takes more than a year to mature, fortunately are wild picks to squeeze oil can be sold for money. As for tung oil, it is produced in Jiangxi, and in the Great Song Dynasty, many weapons need tung oil, and furniture also needs tung oil, and the price is very sensitive. Yingzhou sits on the benefits of the Huai River, and after the introduction of these two types of trading goods, they were immediately sought after.

It didn't take long for an additional bank to be added to the exchange.

No one cared about the existence of the bank, and even laughed at the loan interest of half a cent per month, which was simply a shame for the borrower. Many people want to borrow all the money from the bank in one go and use it for private borrowing. Coming and going, the difference of four cents of monthly interest. I can't see it consistently, but what about 10,000 and 20,000? Fortunately, the money bank did not rob the business of the big investors, and it seems that from the day it appeared, it only existed to serve the exchange. Besides, there are not so many people in distress, so the big families can be exploited with high-priced profits.

However, there is a transaction in the money bank that makes the big investors feel stupid, saving money for interest. Although it is not much, the annual interest rate of the money is nearly 10%, which is not a small amount. Compared to the nearly 20% interest on the loan, this is not a lot of money. But there was a pioneering move that made this newly established money bank immediately sought after.

Consistently stands.

That is to say, the minimum consistent money can be stored in the money bank to eat interest. What can money do?

For an ordinary moderately well-to-do family, the three-day expenditure probably needs to be consistent. If you have a meal with big fish and meat, always have a little more throughout the day. Even if you are poor, it is not uncommon to have consistent money. But if you want to do business, there is no door. But saving money at least for the New Year can give you an extra penny, so why not?

Since the advent of the bank, guarantees, asset verification, valuation, and borrowing have all made people feel at home. How difficult it was to borrow money in the past!

I can't wait to kneel down for someone, and I can't borrow money.

But now?

The interest rate of borrowing is low, but it is convenient and fast, and even as long as the deposit certificate is issued, you can go to the next exchange to obtain the trading qualification through the certificate, without bothering and carefully taking the gold and silver to the exchange to trade. Not only is it fast, but it's also convenient. Caused a lot of praise.

Half a month later.

The exchange took stock, and the money bank also began to take stock.

Li Yun lay on Li Kui's side and urged vigorously: "Calculate quickly, how much money do I earn?" ”

Li Kui glanced at Li Yun, pulled Li Yun away like a fly, and said impatiently: "The steward and the account room are here, don't you ask them, what am I doing?" I don't have a ledger in my hand. ”

Li Yun held a pile of bills and said aggrievedly: "But I should always know how much money I earned, right?" ”

"I didn't make it, I lost it." Li Kui didn't want to deal with Li Yun at all, so he simply blocked Li Yun's words.

Li Yun wanted to have a seizure angrily, but in a blink of an eye, he smiled: "Li Kui, I borrowed your money to make a transaction, if you really lose all your money, don't expect me to pay it back." ”

"It's okay, I'm strapped for money, if I can't pay it back, I'll sell my body at a discount."

"You ......"

Li Yun didn't think of this layer at all, his face was red and white, and he began to ponder. He doesn't remember when he borrowed money, it was written on the IOU! No, the master can't let Li Kui be pitted. He hurriedly ran to his house to rummage through it, and the moment he found the IOU, he was dumbfounded.

Didn't you say to borrow 800 times?

A thousand guan was written on the gross IOU?

Li Yun rubbed his eyes and looked at it again, yes, it was a thousand times. Li Yun couldn't wait to tear up the IOU and go desperately with Li Kui. It's a pity that he didn't dare, he tore the share in his hand, and Li Kui also had a copy in his hand. It's time for a lawsuit...... I'm afraid that the ancestor won't help himself!

In desperation, Li Yun went to Liu Qingqian in frustration, although this girl was very unkind to him, but he also borrowed money, and even Shi Wengong borrowed money in his hands. And Liu Qingqian is very smart, several years younger than him, since he can settle accounts, it's amazing. But the girl didn't want to see him. The reason why I lent him money is mostly because people don't care about hundreds of dollars.

Not only Li Yun, but Gao Yu also borrowed money to make a transaction.

Relying on frequent correspondence with Kang Jin and being well-informed, they actually made money. The only difference is that Li Yun was a little dumbfounded in front of a large number of documents for trading varieties.

When he was in business, he didn't even know how to use an abacus and use his fingers to settle accounts, the error rate was too high, and his fingers were not enough. It's going to drive him crazy......

Li Kui borrowed a courtyard from the state government and stipulated that the accounts would be counted on the first day of the future. Soon, Kang Jin came to Li Kui with the account book, bowed down and said: "Second master, it's all clear, the exchange has been organized since it was prepared, and it has been a full thirty-five days until today." Earn 67,536,423 commissions on transactions......"

Before Kang Jin could finish speaking, he was interrupted by Li Kui: "It shouldn't be so much, what are you doing?" ”

Li Kui squinted his eyes and looked at Kang Jin playfully.

Kang Jin's trembling was as if he was being targeted by a fierce tiger, and at this moment, he suddenly broke out in a cold sweat: "Villain...... The villain ......, many merchants feel that the transaction is too troublesome to use the full amount, and the villain makes his own decisions and allows the transaction with a deposit of 20%. The transaction volume suddenly increased, and the villain was also sincerely afraid. ”

Li Kui glared and said, "Are you playing leverage?" ”

"The villain is wrong!" Kang Jin thought that Li Kui was annoyed, so he immediately knelt on the ground, admitting his mistake and begging for mercy.

Five times the leverage, this is also the wealth of Yingzhou City is not as strong as Bianjing and Ying Tianfu, otherwise, the exchange will become a gold-swallowing monster. Once there is a mess, I'm afraid no one will be able to keep Kang Jin. Li Kui didn't make it. However, the original intention of Nian Zaijin was to increase the number of transactions, not for personal gain, so Li Kui decided not to pursue it further.

Li Kui waved his hand and said, "Why didn't you tell me about this, if it weren't for the fact that the price of grain in April was lowered, I am afraid that no one would be able to vouch for you for the crime of playing with capital without authorization." Even in front of my master, I will not intercede for you. However, this time you have merit, forget it, don't take it as an example! ”

"Second Master Xie." Kang Jin asked tremblingly: "It's just how to calculate this tax?" ”

"Pay according to the commercial tax of the Great Song Dynasty! How much money do you burn? Li Kui took a look at the summarized list, and said casually: "In the future, the account books will be transcribed in the format I requested, and if you don't know, ask the shopkeeper Qiu." ”

"Yes, Second Master."

"When your share is clear, you can take it away. The rest remains on the books. ”

When Kang Jin heard this, he was overjoyed: "Xie Second Master is promoted, and the little one dares to die for the Second Master!" ”

"Get out of the way, why are you going to die for me? How capable it is. Li Kui didn't like to see Kang Jin's sycophancy, and the preparation of the exchange has achieved initial results. Of course, he knew that Kang Jin was grateful to him because of money. He didn't know how much he had earned before. However, the trading has all the shares of Kang Jin Bancheng, which is equivalent to more than 60,000 yuan, and nearly 3,000 guan is Kangjin's income.

This income, as a dental broker, can not be earned.

A year is also not possible.

Kang Jin left with the account book, and he had to go to the state government to restore Su Shi's life.

Of course, when the shopkeeper Qiu was there, he said that he would not reveal the business of the money bank. Compared with the business of the exchange, the business of the money bank has subverted the understanding of money by the shopkeeper Qiu.

Even the shopkeeper Qiu thought that he had seen the wind and waves, and he had a deep fear of the money bank's business.

However, his identity has probably been decided, and he is likely to follow Li Kui in the future. is much more loyal to Li Kui than Kang Jin, who was caught casually on the street.

The treatment of the shopkeeper Qiu is not comparable to Kang Jin, he sat in front of Li Kui, but leaned down in front of Li Kui without opening his mouth, and said excitedly: "Second master, the villain is served!" ”