April 20.

The bank located across the street from the government office opened, and on the plaque, there were four large gilded characters on it.

Daqi Bank!

Two days before the opening of the bank, the Jinjuin had already begun to cooperate with the publicity, and the newspaper was full of news about the bank and banknotes.

Not to mention the rich businessmen, even the common people know that Daqi Bank has launched a banknote called Qingqian.

On the opening day, merchants who are qualified to sell refined salt waited in front of the bank early.

"Alang, the bank has arrived."

Hearing the reminder of the coachman outside, Fei Jicai snorted from his nostrils, and with the support of the concubine, he got out of the car gently.

It has been five months since last year when he spent a lot of money to win the refined salt sales qualification of Liangzhejiang Road.

And the profit of these five months has been recovered by 20%.

Liangzhejiang Road is rich in the end, and tens of thousands of catties of refined salt are transported every month, and they can be sold in half a month.

It's not that he doesn't want to sell more, it's that the output of Guangling Salt can't keep up.

However, the newspaper said that the salt service in Mizhou has also begun to be rectified, and the weather is getting warmer, what salt drying method can be used in Guangling Salt, Fei Jicai does not know very well, only knows that the output will increase several times at that time.

He calculated that in three years at most, more than 160,000 yuan of the sale would be able to return to the capital, and the remaining two years would be pure earnings.

Now that the county magistrate has repelled the Western Army and gained a firm foothold.

Those businessmen who were not optimistic about County Magistrate Han and did not participate in the sale were about to regret their bowels during this time.

Thinking of this, Fei Jicai couldn't help but caress his beard and his face was pale.

Do business quickly and ruthlessly.

How can there be a sure way to make a profit or lose money in this world?

Even if there is such a deal, can it still be their turn?

Swallow slowly, timid, this kind of person can't catch up with the heat when he eats.

"Brother Fei, long time no see."

As soon as he got out of the car, Lu Zhilai greeted him.

Fei Jicai smiled and arched his hand: "Brother Lu, don't come unharmed." ”

"I see Brother Fei with a red face, and I want to make a lot of money in the past few months."

Lu Zhilai had some envy in his tone.

Due to limited financial resources, he only won the right to operate Fujian Road.

In recent years, backed by Quanzhou Port, although Fujian has developed well, it is still a lot worse than the traditional rich areas of Zhejiang and Jiangnan.

Fei Jicai said with a smile: "Brother Lu, why should you be humble, the sea route in Fujian is smooth, and refined salt can not only be sold locally in Fujian, but also sold overseas, making two dollars, isn't it beautiful?" ”

Seeing that the little secret was exposed in public, Lu Zhilai laughed and hurriedly explained: "Overseas is a land of barbarians outside the country, and there are a bunch of poor ghosts, it would be good to have a mouthful of salt to eat, where can I afford to buy refined salt." Can Ye Yu'an taste fine bran? ”

"Hahaha!"

This analogy made Fei Jicai laugh.

After a few words of greeting, Lu Zhilai restrained his smile and asked in a low voice, "What does Brother Fei think of banknotes?" ”

"What can I think?"

Fei Jicai prevaricated.

To be honest, he didn't have much hope in his heart for the so-called paper money.

It is just used as a kind of bill of exchange to facilitate the purchase of refined salt.

Seeing that he was so vigilant, Lu Zhilai didn't say anything more.

While the two were talking, more and more merchants came, in addition to the merchants who ran the refined salt business, there were also many small merchants who came to see the excitement.

Creak!

With a loud noise, two vermilion doors opened from within.

Fei Jicai smiled: "Brother Lu, please!" ”

"Please!"

Lu Zhilai smiled.

Hundreds of businessmen flocked in.

As soon as he entered the hall, Fei Jicai was stunned.

The layout of the bank is completely different from that of a traditional bank, the hall is spacious and bright, and there are rows of tables and chairs for resting on both sides of the aisle, which occupies 70% of the area of the hall.

Tables and chairs made of mahogany are painted with the finest varnish to reflect a dewy sheen.

Directly opposite, there are four windows.

"It's a strange bank."

Lu Zhilai looked at the layout of the hall with interest.

The rest of the merchants, like the two of them, looked around.

Others, which lead to four counters.

The next moment, several soldiers in iron armor stepped forward and shouted: "It's all scattered, don't block the counter, come one by one!" ”

In Shandong, there is nothing more deterrent than the Qingzhou Army.

The merchants who originally surrounded the counter dissipated in an instant.

Fei Jicai and Lu Zhilai were not impatient, and found a secluded place to sit down.

Not long after, an employee in a dark uniform came with two cups of tea.

"Thank you."

Fei Jicai took the teacup and thanked him.

Lu Zhilai chuckled: "This place is not bad. ”

Taking advantage of the waiting, Fei Jicai said in a low voice: "Have you heard, County Magistrate Han is ready to open the sea." ”

Lu Zhilai nodded: "Naturally, I heard about it, and I chose Jimo." ”

As one of the most well-known wealthy businessmen in Qingzhou, they have their own information channels.

The essence of doing business is an information gap, I know it and you don't know, then I can make money with this information gap.

When everyone knows about a transaction, the profit margin is very small, and you can only make hard-earned money from reselling.

"The county magistrate Han is eloquent and strategic, and every step of the move has a deep meaning. This time to open the sea, Jimo is afraid that it will not take long for it to take off, replace Licheng, and become the most prosperous place in Shandong. ”

Fei Jicai said, glanced at Lu Zhilai, and chuckled: "Brother Lu doesn't want to take the opportunity to take this ship?" ”

Lu Zhilai shook his head and smiled bitterly: "Shipping is extremely complicated, let's not talk about sea ships, just the crew, the captain, and the charts are enough for me to drink a pot, although I am greedy, but I have no experience, I can only look at it and drool." ”

"Well, so do I."

Fei Jicai sighed.

If you are not engaged in this trade, you really can't do it.

At this time, the charts are all heirloom treasures, which are tested with human lives and sea ships, how can people share them.

Besides, experienced seafarers and captains basically have masters.

It's not impossible to start from scratch, but you have to be prepared and pave the way with a lot of money.

The two stopped talking and started gossiping.

After waiting for a while, seeing that there was no one in front of the counter, Fei Jicai got up and stepped forward.

When I came to the counter, I heard the young bookkeeper say, "What kind of business does this employee want to do?" ”

"What are the businesses?"

Fei Jicai asked curiously.

The bookkeeper replied, "Deposits, loans, and money exchange." ”

Green money?

Fei Jicai was stunned for a moment, and then hesitated: "Is this green coin a paper money?" ”

"That's right."

The bank counter said, pulling out a few bills.

The moment he saw the banknote, a hint of surprise flashed in Fei Jicai's eyes.

Originally, in his thinking, the so-called paper money should be no different from bills of exchange and Jiaozi.

But at this moment, he realized that he was wrong, very wrong.

I saw that these banknotes are unique in style, and extremely exquisite, and the ink painting on the front is majestic, and at a glance you can see that they are from the hands of famous artists.

Moreover, the ink painting is different on different amounts of banknotes.

For example, 1,000 is Mount Tai, 100 is Laoshan, and 50 is Yishan......

Fei Jicai asked, "Can I pick it up and watch it?" ”

"Naturally."

The bookkeeper smiled slightly, not worried in the slightest.

After all, outside the hall, there was a team of Qingzhou troops stationed, and it was simply impatient to dare to grab banknotes.

With the approval of the account room, Fei Jicai picked up the 1,000-yuan green coin and put it in front of him to look at it carefully.

Green coins are much thicker than ordinary bills of exchange, and copper coin-shaped watermarks can be faintly seen on them.

Shake it slightly, and you can hear a crisp rustling sound, which is very flexible.

It can be seen that the green money is made of the best paper.

After taking a closer look, he couldn't help frowning slightly: "Dare to ask how to distinguish the authenticity of this green coin?" ”

Bills of exchange, including those of the past, have a text or graphic cipher, and are regularly replaced.

In this way, anti-counterfeiting can be guaranteed to a certain extent.

But this banknote is exquisite, but he searched for it several times, but he didn't find any anti-counterfeiting.

As a banknote that can be circulated in the market, anti-counterfeiting is the top priority.

"Look at it again."

The account room is a little mysterious.

Hearing this, Fei Jicai became interested and looked at the green money in his hand again.

Hiss!

Suddenly, he took a deep breath.

When it was flipped over, the look of the Taishan picture on the green coin seemed to have changed.

After trying it a few more times in a row, he was pleasantly surprised: "It's amazing, it's really amazing!" ”

He has traveled north and south for so many years, and he has seen paint that can change color a few times, but it is all paint, as an ink printed on paper, he has seen it for the first time.

It is no wonder that there is no text secret on the green coin, just this color-changing ink is enough to distinguish the authenticity.

It is convenient, but it is also difficult to imitate.

At first, he was not optimistic about paper money, but now he feels that it will not be long before this kind of exquisite and light paper money will circulate in Shandong.

The account office said at the right time: "What can't change color is counterfeit." ”

"I see."

Fei Jicai nodded.

The bookkeeper asked, "Is this outsider going to exchange it?" ”

"Change!"

Fei Jicai naturally wanted to change: "But I don't have any money at the moment, so I will change it when I go home and withdraw the money later." ”

Some reluctantly put down the green money, and he asked again: "Your money bank...... What is the interest rate of bank lending? ”

The bookkeeper replied truthfully: "At present, there are two kinds of bank loans, one is long-term loans, and the other is short-term loans, and long-term loans start from three years with an annual interest rate of 8%. Short-term loans start from one month, and the monthly interest rate is one cent. ”

"How much?"

Fei Jicai was stunned for a moment, thinking that he had heard it wrong.

It's not too high, it's too fucking low!

Many people don't know that the usury industry in the Song Dynasty was extremely prosperous.

The monthly interest rate of the private money bank is about three cents.

And the Taoist temples and temples put the seal money is even more ruthless, often out of nine out of thirteen.

If you borrow 1,000 wen, you actually only give 900 wen, and the 100 wen is the handling fee, and when you return it, you have to pay back 1,300 wen.

Even if it is the official arrival office of the Zhao and Song courts, the monthly interest is as high as two cents.

In contrast, the interest on the loan of Daqi Bank is simply like doing a good deed.

"Really?"

Fei Jicai only felt shortness of breath and his heart beating wildly.

The account room said: "Naturally, it is true, but before the bank loan, it is necessary to conduct a strict review to confirm that the other party has the ability to repay and the mortgage is correct, and the loan will be granted." ”

"That's as it should be."

Fei Jicai hurriedly responded.

With the interest rate so low, the review is naturally stricter.

Seeing this, the bookkeeper asked with a smile: "Can you ask for a loan?" ”

Fei Jicai replied without hesitation: "I want to borrow ten ...... 200,000! ”

The county magistrate Han wants to open the sea, and this news contains a lot of business opportunities.

Whether shipping is good or not, Fujian has given the answer.

Originally, Lingnan, a wild land, became a rich land because of its reliance on the port of Quanzhou.

Even though he doesn't know how to ship by sea, he can do other business!

Casinos, restaurants, green buildings, carriages and horses...... As long as you can seize the opportunity, take the lead in occupying market share, and rely on sea freight, why not make money?

Hearing 200,000 yuan, the bookkeeper's eyes suddenly lit up, and he invited: "This member is invited outside and inside." ”

(End of chapter)