Chapter 87 [The Row of Glass Jade Ruyi, the Idea of Opening a Gold Bank]
The backyard of the county government, the residence of the county.
In the lobby, Li He and Mrs. Li sat upright, and next to them stood the eldest brother and the second uncle who rushed back from the engagement for their sister.
Lin Ze was accompanied by the matchmaker.
In the hall, there are many gifts wrapped in red silk, which is the dowry brought by Lin Ze today.
At this moment, the matchmaker had already sent Lin Ze's letter of appointment and began to read the letter of appointment that recorded the name and quantity of the dowry.
The first is the bride price, which is the common saying bride price, 10,000 taels of gold, symbolizing the identity of Li Yunhua's daughter.
Then there are the wedding cakes, seafood, three animals, melons and fruits, wine, sugar tea, and other auspicious gifts.
Then came to Lin Ze's special gift for Li Yunhua, one to eight inches long, polished crystal clear, engraved with a glass Ruyi symbolizing a century-old mandarin duck pattern.
This pair of Ruyi was packed in the gift box, and as soon as Lin Ze opened the gift box, the glass Ruyi lying on the silk immediately attracted the attention of everyone present.
At this time, whether it was Li He and his wife, or the two eldest brothers, even the matchmaker who was reading the book of rites on the side showed a shocked expression at this moment, looking at the pair of red glass Ruyi in Lin Ze's box.
This is a precious glass product, and it is not the kind of small thing that is only worth a few taels of silver the size of a finger, but a large glazed product of one foot and eight inches, and it is also carved with a pattern that symbolizes the good harmony of a hundred years, which has a very auspicious meaning.
Such a gift, even if it is placed as a finale gift at a royal wedding, does not look shabby.
If this pair of jade Ruyi is taken out and sold, even if it is 300,000 taels of silver, others will rush to ask for it, and it is a treasure with no price.
"This pair of Ruyi is given to Yun Niang, if there is an heir in the future, Yun Niang can decide who to pass on this jade Ruyi to."
Lin Ze smiled and spoke.
"Good, good, good!"
Li He praised again and again, looking at Lin Ze's eyes with kindness, he directly ignored the two sons next to him, as if Lin Ze's son-in-law was his own son.
Mrs. Li raised her sleeves to cover her face, so that no one could see her crying with joy.
The son-in-law is willing to give such a precious bride price, which means that the daughter does not have to worry about the rest of her life, and there is nothing more gratifying for being a mother.
Li Yunhua, who was listening to the book of rites behind the screen in the lobby, was pulled by the maid next to him at this time and rushed out without being rude.
"Yun Niang really found a good man."
On the side, the eldest brother Li Heng looked at the pair of jade Ruyi and said a little sourly.
Second uncle Li Li did not speak, but nodded in agreement.
There was no such pomp when they got married, after all, they were only the sons of the magistrate, not the sons of feudal officials.
"Lang Jun loves the eldest lady so much, and he will grow old together in the future."
On the side, after the matchmaker was shocked, she also said good things again and again.
She used to read the gift book, only writing a pair of glass Ruyi, thinking it was the kind of small small Ruyi, but she didn't expect it to be such a precious gift, in her so many years of matchmaking career, this is also an eye-opening thing.
The only regrettable thing is that it is worth bragging about for a lifetime, and it can't be taken out and talked nonsense.
Otherwise, if she causes trouble for Lord Li's family, it is estimated that she will be the first to be sunk to the bottom of the river.
Lin Ze smiled silently and accepted everyone's praise.
In fact, there is some helplessness in his heart, among the dowry gifts he gave today, it probably belongs to this pair of glass Ruyi is the cheapest.
10,000 taels of gold, placed in the main world worth more than 200 million, and at present, this handicraft glass Ruyi, counting the money for customization, the total price is 3888 yuan.
However, it doesn't matter how he thinks of the value of these dowries, it is the value of these dowries that others think of is the most important.
This pair of glass Ruyi in the current era represents the row.
Ten thousand taels of gold let people know that Lin Ze values this wedding, but it is not very moving, but this pair of glass Ruyi makes Lin Ze the most beautiful boy in the field.
After the excitement, the engagement continued.
After the letter of appointment is issued, it is time for the fifth step of marriage.
That is, to set a specific wedding date, and then when the time comes, Lin Zelai will marry his new wife home, which is the last step of marriage.
At this time, the matchmaker smiled and said: "When I gave my uncle and Miss eight characters before, I have already seen the good period together, and the ninth day of the first month of next month is a good day and an auspicious day, and it is appropriate to get married, and it is completely too late to prepare for family affairs during this period." β
Hearing this, Li He nodded and said: "Then the auspicious day will be set on the ninth day of the next month, and then let Yun Niang and Ziyi get married." β
Mrs. Li didn't have any opinions, so she naturally nodded in agreement.
This is the end of this engagement, and the next thing is, of course, a feast.
Lin Ze just toasted his father-in-law's mother-in-law and eldest brother, but before he could move his chopsticks, he was pulled away by Li Yunhua's personal maid Baoqin.
"This Yun Niang is too anxious."
In this regard, the family did not object, but Mrs. Li said it with ridicule.
In Li Yunhua's boudoir, as soon as Lin Ze came in, he felt a soft body rush into his arms.
Immediately after, Xiangxiang's soft lips came up.
This is the row brought by 3888 yuan glass handicrafts, which is far better than 10,000 taels of gold.
ββ
After a good check of Li Yunhua's development status, Lin Ze determined that this girl was a more introverted kind, although she looked inconspicuous on the outside, but the two pet bears that had been raised for more than ten years were not small.
In the end, Lin Ze went back to drink with his father-in-law, mother-in-law, and uncle.
You can't really think that your fiancΓ©e's family isn't doing something, Lin Ze still wants to be faced.
After lunch, Lin Ze was dragged by the two eldest brothers to the Cuihong Mansion to drink the second round.
rejected the top technician arranged by the eldest brother for himself, although the eldest brother took his brother-in-law to visit the Cuihong Mansion and even became a fellow practitioner, which is a relatively normal and common thing in this era, but it is still the same sentence, Lin Ze still has to be faced.
After the initial greetings eased the unfamiliar atmosphere, Lin Ze and the two eldest brothers chatted.
Knowing that the eldest brother Li Heng's table name is called Zhending, and the second uncle Li Li's table name is called Qihong, both of them are studying in Lanjiang City, and they have already won the show, and they are ready to participate in next year's township examination to see if they can be lifted.
The higher-level administrative unit of Fengping County is the county seat of Cheongyu County, Qianqiu Castle, where a county guard is set up.
The superior unit of Qingyu County is Myeongguang Prefecture, which has set up a state pastoral management state, and the capital is located in Lanjiang City, where next year's township test will be held.
"Hey, Ziyi, don't you know, Lanjiang City is lively, every once in a while there will be an Oiran Prize, and twenty or thirty boats in Lanjiang City will unite to compete for the first Oiran in the East China Sea."
"Every time there is such a grand event, not only are there many beauties appearing, but there are also many martial arts heroes and high-rollers who spend a lot of money, although the brother does not know martial arts, but he also has a strength, and at the beginning of the year, he also wrote a clear poem, which was appreciated by the young girl of the green tobacco workshop."
"You know, a young girl's overnight stay costs a lot of money."
Li Heng boasted.
Li Li on the side sighed and said: "It's a pity that I'm not as good as my eldest brother, I can write clear words, otherwise I can become the guest of honor of the Oiran girl." β
As he spoke, Li Li revealed his deep yearning for white prostitution.
In this regard, Lin Ze could only smile.
Aside from the previous use of drones to take candid photos, today is the first time he came to visit the Qinglou on the spot, and as a newcomer, he can only listen to these two old drivers boast.
I can't tell the two uncles, in fact, a handsome guy like you two goes to visit the Qinglou, and the Oiran also feels that he has earned it behind his back.
And you can also collect money, which can be said to be directly earned twice.
When the two uncles finished boasting, Lin Ze began to ask what he was interested in: "Those high-rollers in Lanjiang City spent a lot of money, did they all bring cash and silver, or did they use silver tickets and gold tickets?" β
In the territory of Myeongguangju, one of the most famous money houses is Dazhong Money Village.
The headquarters of Dazhongqian Village is located in Qianqiu Castle, the county seat of Cheongyu County.
Here in Fengping County, there is a branch of a big bank, but the business of this branch cannot be said to be on the verge of bankruptcy, it can also be said that it is a door.
Except for some big families in the city, there are also occasional high-rollers from other cities, and basically no one takes care of the business of the bank.
This made Lin Ze a little curious, what is the business of the big money village in Lanjiang City, and what are people's opinions on the use of credit currencies such as gold and silver tickets.
"Ziyi doesn't know, during the Oiran Competition, the cost of gold and silver in one night is tens of millions of taels, even if those heroic high-rollers have amazing arm strength, they will not carry tens of thousands of catties of gold and silver with them to participate in the event, then they must use gold and silver tickets."
"However, these high rollers are not very comfortable with the big money bank, and they usually deposit their money in the money bank before the Oiran tournament, and when they have enough fun and go home, they go to exchange the remaining gold and silver tickets on their bodies for cash."
"On the side of the big money bank, although it is a little troublesome to constantly deposit and withdraw gold and silver, you can earn a lot of money from the handling fee alone."
Li Li explained with a smile.
Today, they met Lin Ze for the first time, but in fact, they were not optimistic about this young man who was going to kidnap his sister at first, and even a little hostile.
But Lin Ze's shot was ten thousand taels of gold and precious glass Ruyi, which immediately suppressed these two arrogant brothers, and Lin Ze's status in the hearts of the two of them suddenly rose.
Therefore, at this moment, he can show what he knows in front of Lin Ze and explain his doubts to Lin Ze, which is an extremely face-saving thing in the hearts of the two brothers of the Li family.
"I see, thank you second brother for solving your doubts, come and have a drink."
Lin Ze raised his glass.
ββ
Late at night, Lin Ze sent the drunken two eldest brothers home.
Afterwards, take a horse-drawn carriage home.
On the way, he was thinking about what he had inquired about from his two eldest brothers.
"If you want to build a bank, that is, a bank, it can probably be divided into two parts, one is to absorb savings, and the other is to invest."
"Accumulation and savings is to save the user's cash and silver, and then issue the corresponding gold and silver bills, and the investment is to take the cash in hand to invest and make a profit."
"The role of the money bank in the other world is mainly to facilitate large-scale transactions, because it is very troublesome to deposit gold and silver, so users need to pay a certain amount of handling fees to deposit money, and there are many channels for investment in the main world, so there is no charge for this step of absorbing deposits."
"Even, interest will be given to attract others to save money, so that the bank can use the depositor's funds to invest to obtain more benefits."
"Chatting with the two eldest brothers tonight, I can learn that the banking industry here in the Great Zhou Dynasty is still in its infancy, not only the business of the money bank here in Fengping County is not good, but the business of Qianqiu City and even Lanjiang City, which is the capital of the state and county, is actually average."
"If I go to a money bank now, if I do it on a small scale, I can't actually change the current situation that the banking industry is in its infancy, but if it becomes bigger, I can't keep it with my strength."
"At least I have a strong group of guards under my command who can protect the bank's treasury before I can start this business."
"However, some preliminary preparations can also be started at this time, first of all, there must be a strong enough treasury, and then you can not open a bank, but simply open a gold bank to provide a small amount of gold for silver services."
"In this way, you can use the silver of the main world to loot the gold of the other world on a small scale, and make profits in a long way."
"When the force in hand becomes abundant and the principal is more sufficient, you can further upgrade the gold bank into a money bank, directly absorb the capital of the Great Zhou Dynasty on a large scale, and then invest in your own industry to earn more profits and increase your own power."
Thinking about it here, it's home.
Lin Ze was a little angry today, and made an exception to call all the four concubines.
ββ
The next day, Lin Ze directly began to act.
Shi Shanbao of Yaxing was called over by Lin Ze, and he would represent Lin Ze to persuade a shop about a hundred meters away from Yunyan Lane to move.
After the premium of 20 percent, Lin Ze spent 1,000 taels of silver to buy this big mansion with a shop and a backyard.
Then, Xu Sheng and his wife also had a young son who was only three years old, who was placed in this big mansion by Lin Ze.
"Brother Lin, how can this make it good for me to stay in the guest room of your house."
"After a while, when I make money, I can buy a house by myself and settle down."
Xu Sheng was a little embarrassed in the face of Lin Ze's behavior of arranging a place for him to live, he originally felt that he owed Lin Ze a lot, and now it was useless.
Hearing this, Lin Ze squinted at this brother who felt better about himself, and explained: "I plan to open a gold bank and do some business of exchanging silver for gold, but I don't feel at ease to directly put tens of thousands of taels of silver in the gold bank. β
"So I arranged for you to live in this shop, first, to have a place of your own, and second, to help me guard the gold and silver."
"Next, I will dig an underground treasury under this shop to store gold and silver, and at the same time, this vault will lead to the secret room of my home, so that I can transport the gold and silver back and forth to this gold bank vault for safekeeping, so that outsiders will not covet it."
Lin Ze planned to put 350,000 taels in the treasury of the Gold Bank for a long time to provide daily operations, and the larger amount was to let the treasurer of the Gold Bank go back and ask him for instructions before doing business in the future.
Put 350,000 taels, there is a rail transportation business, Lin Ze can still trust Xu Sheng will not guard and steal.
But if he put three or five hundred thousand taels, Lin Ze didn't dare to guarantee whether Xu Sheng would run away with the money.
After all, human nature cannot withstand temptation.
(End of chapter)