Guo Jia, the ghost of the strongest military division
Chapter 1435 The prototype of the bank
Chapter 1435 The prototype of the bank
Chang'an has suffered from wars for a long time, and the surrounding prefectures are barren, with a net population outflow.Land is also worthless.
Now the Yunzhou Army has entered Chang'an, defeated the Xiliang Army, eliminated hidden dangers, and Chang'an has also ushered in a population explosion.
In just two years, millions of people flooded into the surrounding areas of Chang'an City.
The influx of a large number of people has also made Chang'an and its surrounding land tense.
Where there is demand, there is a market, and the land around Chang'an is also flying like a rocket.
Merchants sensed business opportunities and flocked from all over to speculate on the land in Chang'an.
As a result, all the land in Chang'an and its surrounding areas were sold out.
The government naturally made a lot of money.
But Jia Xu saw the problem and told Guo Jia immediately.
Merchants bought the land and did not cultivate it. Instead, they used the land as collateral to borrow money from pawnshops and their lenders, and then used the money to continue buying land in the suburbs.
With the hype of the merchants, the price of land in Chang'an is set at a daily rate, resulting in those who really want to buy land for farming have nowhere to buy it.
Originally, Guo Jia didn't take it seriously.
The high land price in Chang'an has greatly promoted Chang'an's economy. Guo Jia is trying to take advantage of this shareholder wind to build Chang'an into the most prosperous city of the Han Dynasty again.
But what he didn't expect was the greed of human nature. Seeing the businessmen making a lot of money, other people joined the ranks, and even some ordinary people sold their life savings to join the army of land buyers.
Buy land, mortgage, buy land again.
Half of the country's merchants flocked to Chang'an City.
The land price in Chang'an City also skyrocketed.
According to incomplete statistics, the value of the land around Chang'an City can buy most of the land of the Han Dynasty.
When Jia Xu hurriedly passed the news to Guo Jia, the latter realized the seriousness of the problem.
Chang'an at this moment is just a blown bubble. Not only the merchants in Yunzhou are involved, but the local government is tied up with the land price. Once it bursts, it will cause a catastrophe.
Guo Jia was also wary of rats, and didn't dare to move around, so he had to pin his hopes on Su Qinglian.
Su Qinglian still had that calm look, smiling and not in a hurry.
"Qing Lian, hurry up and think of a way, I really can't take it anymore."
Guo Jia said in pain.
During this period of time, he didn't think about tea or food, and all he could think about was the mess in Chang'an after the bubble burst.
What worries him even more is that the merchants have already delayed the farming work by hoarding the land and not cultivating it. Millions of mouths are supported by the grain transported from Jizhou. mess.
The whole situation is at stake, can Guo Jia not be in a hurry?
"Husband, don't be in a hurry, it's useless to be in a hurry."
Su Qinglian put down the teacup, and said calmly: "Nowadays, half of the merchants of the Han Dynasty are speculating on the land in Chang'an, including the rich families of Yunzhou and the families of high-ranking officials. Bundled together, even if you speak today, it won’t work.”
what?
Cold sweat poured out of Guo Jia's back.
He really didn't expect the seriousness of the problem.
"It's normal, people are greedy!"
Su Qinglian shrugged and said: "As far as I know, the Cai family, the Su family, the Zhen family, and the Mi family all have a lot of land in their hands. Even Xudu and Jiangdong have sent people to interfere."
Are there so many?
Guo Jia was sweating again.
There are so many hidden dangers gathered in little Chang'an, and he, the master, doesn't realize it. It's really a bit of a failure.
He also felt that the problem was difficult at the moment.
There are so many people in Yunzhou participating in the hype of Chang'an land, even if Guo Jia wanted to stop it, these people would not agree first.
in fact……
Su Qinglian said in an orderly manner: "These people can be viewed separately. First of all, the families of the Su family, Zhen family, Cai family, Mi family and other high-ranking officials participated in it for the sake of money. Everyone looks at the land one by one every day. It is understandable that everyone wants to get rich. As for Xu Du and the people of the Sun family in Jiangnan, they are fishing in troubled waters. As enemies, if you can get something, you can get it. If you can’t get it, you can make trouble for Yunzhou. Toss you general. The former is okay, after all, they are all their own people, and they will not watch Chang’an die. The latter is hard to say, after all, they came with a purpose."
Wait!
Guo Jia suddenly grasped a key point.
"You said that merchants from other places were also involved, but how did they transport their wealth to Chang'an?"
Do you need money to buy land?
Who will sell you without money?
Guo Jia has always been a little puzzled. He didn't see how much property Chang'an brought in. How did so many merchants buy the land?
Ugh!
Hearing Guo Jia's question, Su Qinglian couldn't help shaking her head.
"It seems that my husband really hasn't paid much attention to business matters these years. Don't you know that Yunzhou's shops in various places can provide pawn business and business guarantee?"
Pawns and guarantees?
Guo Jia couldn't help being a little dumbfounded, it was the first time he had heard of this business.
Is such that……
Su Qinglian explained: "We in Yunzhou have shops in various places. These shops are not only responsible for dumping our own products, but also provide guarantees and pawn business for merchants in various places. For example, if a merchant in Xudu wants to buy a cloud State goods, but he has no cash. You can mortgage the shop and land under his name to a commercial bank. After the commercial bank inspects and finds it reliable, the two parties will sign an agreement to provide him with a relative amount of money. The merchant takes the commercial bank to issue You can buy things in Yunzhou with the money tickets. When he has money, he will return the money and take back the pawned property. Of course, there is a time limit. Once the time limit is exceeded, the land of these shops will be owned by the commercial bank. When many businessmen came to Chang'an, they had already pawned all their net worth to the local business firms."
She suddenly smiled slyly, and said: "Let me tell you another secret, this method was also thought up by my concubine. There is no cost for entering and exiting. Let's sit on the ground and make money. How about it, I am still smart."
This……
Guo Jia couldn't help being a little dumbfounded.
Su Qinglian's method is the rudiment of future banknotes and money houses, and it can be regarded as a big man's bank.
He once again sighed that the ancients were still very smart. Even if Guo Jia hadn't introduced the banking system of later generations, Su Qinglian had figured it out by himself.
awesome!
Guo Jia said sincerely: "According to you, these merchants entered Chang'an empty-handed, and then bought the land with the money invoices issued by you. You have taken advantage of the inside and outside of the joint venture?"
No wonder Su Qinglian knows the details of Chang'an's land price. It turns out that all the information is in her hands.
Don't dare to be!
Su Qinglian also smiled and said: "We only accept pawns as collateral, so you can rest assured, the money ticket will never be left empty."
(End of this chapter)
Chang'an has suffered from wars for a long time, and the surrounding prefectures are barren, with a net population outflow.Land is also worthless.
Now the Yunzhou Army has entered Chang'an, defeated the Xiliang Army, eliminated hidden dangers, and Chang'an has also ushered in a population explosion.
In just two years, millions of people flooded into the surrounding areas of Chang'an City.
The influx of a large number of people has also made Chang'an and its surrounding land tense.
Where there is demand, there is a market, and the land around Chang'an is also flying like a rocket.
Merchants sensed business opportunities and flocked from all over to speculate on the land in Chang'an.
As a result, all the land in Chang'an and its surrounding areas were sold out.
The government naturally made a lot of money.
But Jia Xu saw the problem and told Guo Jia immediately.
Merchants bought the land and did not cultivate it. Instead, they used the land as collateral to borrow money from pawnshops and their lenders, and then used the money to continue buying land in the suburbs.
With the hype of the merchants, the price of land in Chang'an is set at a daily rate, resulting in those who really want to buy land for farming have nowhere to buy it.
Originally, Guo Jia didn't take it seriously.
The high land price in Chang'an has greatly promoted Chang'an's economy. Guo Jia is trying to take advantage of this shareholder wind to build Chang'an into the most prosperous city of the Han Dynasty again.
But what he didn't expect was the greed of human nature. Seeing the businessmen making a lot of money, other people joined the ranks, and even some ordinary people sold their life savings to join the army of land buyers.
Buy land, mortgage, buy land again.
Half of the country's merchants flocked to Chang'an City.
The land price in Chang'an City also skyrocketed.
According to incomplete statistics, the value of the land around Chang'an City can buy most of the land of the Han Dynasty.
When Jia Xu hurriedly passed the news to Guo Jia, the latter realized the seriousness of the problem.
Chang'an at this moment is just a blown bubble. Not only the merchants in Yunzhou are involved, but the local government is tied up with the land price. Once it bursts, it will cause a catastrophe.
Guo Jia was also wary of rats, and didn't dare to move around, so he had to pin his hopes on Su Qinglian.
Su Qinglian still had that calm look, smiling and not in a hurry.
"Qing Lian, hurry up and think of a way, I really can't take it anymore."
Guo Jia said in pain.
During this period of time, he didn't think about tea or food, and all he could think about was the mess in Chang'an after the bubble burst.
What worries him even more is that the merchants have already delayed the farming work by hoarding the land and not cultivating it. Millions of mouths are supported by the grain transported from Jizhou. mess.
The whole situation is at stake, can Guo Jia not be in a hurry?
"Husband, don't be in a hurry, it's useless to be in a hurry."
Su Qinglian put down the teacup, and said calmly: "Nowadays, half of the merchants of the Han Dynasty are speculating on the land in Chang'an, including the rich families of Yunzhou and the families of high-ranking officials. Bundled together, even if you speak today, it won’t work.”
what?
Cold sweat poured out of Guo Jia's back.
He really didn't expect the seriousness of the problem.
"It's normal, people are greedy!"
Su Qinglian shrugged and said: "As far as I know, the Cai family, the Su family, the Zhen family, and the Mi family all have a lot of land in their hands. Even Xudu and Jiangdong have sent people to interfere."
Are there so many?
Guo Jia was sweating again.
There are so many hidden dangers gathered in little Chang'an, and he, the master, doesn't realize it. It's really a bit of a failure.
He also felt that the problem was difficult at the moment.
There are so many people in Yunzhou participating in the hype of Chang'an land, even if Guo Jia wanted to stop it, these people would not agree first.
in fact……
Su Qinglian said in an orderly manner: "These people can be viewed separately. First of all, the families of the Su family, Zhen family, Cai family, Mi family and other high-ranking officials participated in it for the sake of money. Everyone looks at the land one by one every day. It is understandable that everyone wants to get rich. As for Xu Du and the people of the Sun family in Jiangnan, they are fishing in troubled waters. As enemies, if you can get something, you can get it. If you can’t get it, you can make trouble for Yunzhou. Toss you general. The former is okay, after all, they are all their own people, and they will not watch Chang’an die. The latter is hard to say, after all, they came with a purpose."
Wait!
Guo Jia suddenly grasped a key point.
"You said that merchants from other places were also involved, but how did they transport their wealth to Chang'an?"
Do you need money to buy land?
Who will sell you without money?
Guo Jia has always been a little puzzled. He didn't see how much property Chang'an brought in. How did so many merchants buy the land?
Ugh!
Hearing Guo Jia's question, Su Qinglian couldn't help shaking her head.
"It seems that my husband really hasn't paid much attention to business matters these years. Don't you know that Yunzhou's shops in various places can provide pawn business and business guarantee?"
Pawns and guarantees?
Guo Jia couldn't help being a little dumbfounded, it was the first time he had heard of this business.
Is such that……
Su Qinglian explained: "We in Yunzhou have shops in various places. These shops are not only responsible for dumping our own products, but also provide guarantees and pawn business for merchants in various places. For example, if a merchant in Xudu wants to buy a cloud State goods, but he has no cash. You can mortgage the shop and land under his name to a commercial bank. After the commercial bank inspects and finds it reliable, the two parties will sign an agreement to provide him with a relative amount of money. The merchant takes the commercial bank to issue You can buy things in Yunzhou with the money tickets. When he has money, he will return the money and take back the pawned property. Of course, there is a time limit. Once the time limit is exceeded, the land of these shops will be owned by the commercial bank. When many businessmen came to Chang'an, they had already pawned all their net worth to the local business firms."
She suddenly smiled slyly, and said: "Let me tell you another secret, this method was also thought up by my concubine. There is no cost for entering and exiting. Let's sit on the ground and make money. How about it, I am still smart."
This……
Guo Jia couldn't help being a little dumbfounded.
Su Qinglian's method is the rudiment of future banknotes and money houses, and it can be regarded as a big man's bank.
He once again sighed that the ancients were still very smart. Even if Guo Jia hadn't introduced the banking system of later generations, Su Qinglian had figured it out by himself.
awesome!
Guo Jia said sincerely: "According to you, these merchants entered Chang'an empty-handed, and then bought the land with the money invoices issued by you. You have taken advantage of the inside and outside of the joint venture?"
No wonder Su Qinglian knows the details of Chang'an's land price. It turns out that all the information is in her hands.
Don't dare to be!
Su Qinglian also smiled and said: "We only accept pawns as collateral, so you can rest assured, the money ticket will never be left empty."
(End of this chapter)
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