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Chapter 1379: It¡¯s difficult for a rich man to be a man without money (5)

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    ??The top of a hundred-foot pole is tilted five or two, where in this life is not home?

    Heng Yue Yueyue across the goose in the north, and watched the flowers in Xiangyang twilight,

    ??There should be no land when we are pedaling, and we should feel that there is no end of the world when we are reunited.

    "Following the wind and waves, we say goodbye every year, but we smile as expected in August"

    The four students each held a corner and spread the map of the Han Dynasty on the ground, and then took out several boxes. Inside were half-foot-tall wooden figures, dressed as officials, soldiers, farmers, craftsmen, businessmen, bandits, and small ones.  Houses, carriages, horses, goods, coins it's almost a simulated small world.

    The students played with the wooden figures, just like in the real world, where officials collect taxes, soldiers patrol, farmers cultivate the land, and craftsmen make goods. Businessmen also drive vehicles and sell goods everywhere, but business is not easy and they encounter many people.  difficulty:

    Sometimes the information is wrong. After merchants go through all kinds of hardships to transport the goods to a different place, instead of making any money, they lose everything.

    Some businessmen were even more unlucky. They encountered robbers when they went out, and their money and goods were robbed. Their lives were also over, and they were left with no bones left!

    There are also lucky businessmen who make money selling goods, but after excluding the food for the people and horses, wages for the assistants, and taxes collected by the government, very few of them end up in their hands!

    ¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­¡­

    After the wonderful performance, there was silence in the lobby. The businessmen were all moved by the scene. Some looked up to the sky and sighed, some bowed their heads and meditated, and some had tears in their eyes. They were rich and lived a luxurious life of spending a lot of money, but who knew how much they had paid.  ?

    "The real world is even more cruel. In addition to vicious thieves, there are also rebels, hungry people, floods, plagues, wild beasts all of which seriously threaten the caravan, ranging from loss of money to no bones left!

    Everyone sitting here is a big businessman. Who has never experienced the pain of traveling over mountains and ridges, living in the open air, who has no relatives or friends, or lost his life on the business journey, who has never lost his hard-earned money Thinking of the sadness, many people fell down.  Tears!

    But what can we do? This is how businessmen live, running around, chasing profits with the times, using sweat and life to gain money. This has not changed for thousands of years. Who can change this?

    "Da da da!"

    When the businessmen felt sad and lamented that their fate was inevitable, Zhen Mi and Liang Xiaoyu walked to the map, took out two small boxes, and started playing with them

    Chang'an, Luoyang, Xuchang, Yecheng, Shouchun, Linzi, Handan In all major cities on the map, there are small houses with the characters Liang and Zhen, and they are named: Qianzhuang, as well as some exquisite small papers.  The name of the piece is: banknote.

    A Youzhou caravan went to Luoyang to do business, but they did not set off directly. Instead, they went to the local bank first, exchanged the gold and silver they carried with them for a small silver note, and then drove straight to Luoyang

    After the caravan arrived in Luoyang, they immediately found a local bank and exchanged the silver notes for money. After completing the business, they deposited the money into the bank again. After returning to their hometown in Youzhou, they exchanged the silver notes for gold and silver jewelry  ¡­

    There was also a caravan that discovered a huge business opportunity. Unfortunately, they didn¡¯t have enough money to swallow all the goods. They immediately ran to the bank, loaned out a large amount of money, and made a lot of money

    There was also a caravan that encountered robbers on the way. All the people were killed and the banknotes were robbed. However, the robbers could not get a penny and the money was returned to the merchant's relatives

    ??¡­¡­¡­¡­¡­¡­¡­¡­

    Two students unfolded a piece of white cloth, which contained twelve rules for banks set by Xiao Yi: including the location of the bank, methods to prevent counterfeiting of banknotes, storage interest, loan interestthe content was detailed and reasonable!

    According to historical development, during the heyday of the Sui and Tang Dynasties, there was large-scale currency exchange and lending. The first banknote (banknote-Jiaozi) appeared in the Southern Song Dynasty. It was not until the Yuan, Ming and Qing dynasties that banks were born, and various businesses  Gradually mature and become an important part of financial activities!

    In order to cope with the financial crisis, Xiao Yi had no choice but to let Qianzhuang come into being in advance. This move was shocking and could gather a large amount of money and food in the shortest time to help the court tide over the financial crisis

    But as the old saying goes: ¡®Pull the seedlings to encourage growth, the seedlings will wither and the fields will be barren¡¯. The production level and commercial activities of the Han Dynasty may not be immune to the impact of banks. Once the operation is improper, the world will be in chaos and the people will be in dire straits

    Therefore, the rules formulated by Xiao Yi can be described in one sentence: conservative, conservative, more conservative Many commercial functions of the bank have been secretly abandoned, and the original complex financial calculations have been streamlined as much as possible, without seeking to make more money.  , I just want to be safe and sound!

      Even so, this cross-era product - Qianzhuang, will still break the original business activities and establish a new business order. In other words, after taking control of military power and political power, Xiao Yi took hold of financial power and controlled the world.  People's money bags!

    "Hoo!¡ª¡ªHoo! Hoo!"

    The whole operation was silent, but for the merchants, it was like a bolt from the blue. They kneeled over one after another, staring at the bank on the map, as if they were seeing rare treasures, and some kept kowtowing

    This kind of operation is not unfamiliar. In fact, many large caravans will set up several semicolons to circulate money and provide mutual assistance. However, their strength is limited, ranging from more than ten to four or five, and their functions are not very  complete!

    This time is completely different. The two big chaebols, the Zhen family and the Liang family, are jointly in charge of the business. The Wuchou Mansion is responsible for escorting them. Together with some wealthy merchants, they can form a huge business network, covering all the Central Plains

    Just imagine, if a bank was established in all states, county offices, and strategic locations in the Central Plains, merchants would not have to carry large sums of money when doing business. Without money, they would not attract robbers, and their lives would be safe.  Assure.

    Without carrying a large amount of money, there is no need for a large number of carriages, horses, bodyguards, and men. The consumption during the journey is greatly reduced, but the traveling speed is greatly increased. For businessmen, speed is money!

    When you are losing money, you can go to a bank to borrow money, and you will have a chance to turn around; when you are making a profit, you can store unused money in the bank, and you will get generous interestthe benefits are so many that it is difficult to list them all!

    No wonder the Zhen family and the Liang family didn't take action when the mines were divided up. They wanted to concentrate all their financial, human and material resources on bank business, so as to connect the world!

    Although the mines are good, they will be mined out in decades or hundreds of years, but the bank can survive for thousands of years. Even if the country changes owners or the dynasty changes, it will not affect the operation of the bank. This is the real cornucopia!

    "The Tian family in Qingzhou donated one million yuan, 800 hectares of fertile land, 2,000 livestock, and 37 farms"

    "The Chen family of Xuzhou, donated two million in money, one thousand hectares of fertile land, three thousand livestock, and two thousand slaves"

    ¡­¡­¡­¡­¡­¡­

    A new round of donations has begun, and the businessmen are particularly crazy. In addition to money, grain, and livestock, they have also given out their houses, properties, and slaves. Some people even took out their seals and directly added them to the donation book.

    In other words, Xiao Yi can use these seals to withdraw as much of their property as he wants until they are bankrupt!

    "What businessmen want is to enjoy the benefits of the bank and become one of the shareholders. As long as this business circle is running, the money they paid today will soon be earned back tenfold or a hundredfold!"

    Next, headed by the Zhen family and the Liang family, plus 48 wealthy merchants and 473 ordinary businessmen, they will jointly organize a business alliance and prepare to build banks one after another across the country!

    We have also thought about the name of the bank, and it is called ¡®Wuchou Bank¡¯, because businessmen all understand that no matter how much money they open or how much money they make, they cannot do without the protection of Da Sima, who is the master behind the scenes!

    What's more important is that this great Sima is ruthless, has a deep mind, and has a strong control over things. He can create a bank business with one hand, and naturally he can also destroy it with one hand. If you make him unhappy, everyone here will immediately  Go bankrupt!

    "We bid farewell to Lord Sima - take care of yourself and stay safe!"

    "Haha, everyone, please take care of yourself and come to Wuchou Mansion more often!"

    ¡­¡­¡­¡­

    The banquet lasted all night. After daybreak, the merchants said their goodbyes and left. Xiao Yi summoned Taicang officials to count the harvest of the banquet and discuss how to use the money

    Civil uprisings are raging in the Central Plains, and the court is in panic. Money and food are needed everywhere to save lives. Businessmen have donated a lot, but it is still far from enough to save the country's financial crisis. We can only pick up the most important things in advance.

    Some people think that if we immediately buy grain, cattle, and farm tools and distribute them to people everywhere for the upcoming spring plowing, although the amount of money and grain is far from enough, it is still better than nothing, right?

    Some people also think that when the army has just returned from a triumphant return, they should first give money and land to calm the hearts of the meritorious soldiers. If they are not rewarded in time, the cold soldiers will be distracted and mutiny will be in trouble!

    Others think that the Prime Minister should be reported to the Prime Minister on how to use the money, and by the way to show his achievements, who among the civil and military ministers of the Manchu Dynasty can get so much money overnight?

    Regarding everyone's suggestions, Xiao Yi directly waved his hand and rejected them. Things have different sizes, priorities, and seriousness. The most important thing at the moment is: paying salaries to the officials!  (Remember the website address: www.hlnovel.com)Salary!  (Remember the website address: www.hlnovel.com
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