Prosperous Tang Blood Blade

Chapter 339
Chapter 40 My Lord Helps You
Chen Fu said it was not small, but it was not big.However, more than [-] people poured in, and it seemed very crowded.Chen Ying looked at the people in front of him, bustling with each other.The melancholy between Chen Ying's brows became even stronger. Chen Ying knew very well that even though there were more than [-] applicants in front of him, there were definitely not many who came for him in the name of Chen Ying. Hope rests on Hou Mochen.

This is the appeal of the Hou Mochen family, a family that has long since fallen.Chen Ying felt lost in his heart, feeling lonely and wanting to be happy.

Xu Jingzong saw that Chen Ying still seemed dissatisfied with accepting the favor of Hou Mo Chen Qianhui, pulled Chen Ying aside, and explained patiently: "The Hou Mo Chen family is a powerful family, even if its strength is not as good as before, its influence cannot be ignored. With the Hou Mo Chen family, it will be more convenient for the master to recruit talents in the future."

Although Chen Ying was very upset, what Xu Jingzong said was indeed the truth, and it was an irrefutable fact.Chen Ying secretly thought that the only way to build up the bank's shelf first is to make use of the bank's profits before cultivating talents by himself.Holding Ma Zhou's famous assassin, Chen Ying was full of thoughts.

Ma Zhou, courtesy name Bin Wang.Zhongshu Shizhong (Zhongshuling) and Minister of the Ministry of Officials in the Taizong Dynasty was one of the real prime ministers.Both Li Shimin, Cen Wenwen, and Yuan Tiangang all spoke highly of him.

Chen Ying decided to meet Ma Zhou first to see if he was the prime minister of the later generations of the Tang Dynasty.

After a while, Ma Zhou heard the sound and arrived.Chen Ying looked at Ma Zhou carefully, Ma Zhou looked like a weak crown this year, his body was not strong enough, he was even a little thin, his face was thin and fair, but his eyes were piercing, black and bright.Ma Zhou bowed and saluted, "Ma Zhou pays homage to the young master!"

Chen Ying paid attention to the way Ma Zhou gave the ceremony, and found that what Ma Zhou was doing now was the ceremony of the master.

Chen Ying was secretly surprised.

In fact, Chen Ying didn't know that Ma Zhou's family was poor and he became an orphan when he was young, but he liked to study.Qinghe was originally the prefect of the Cui family. The young Ma Zhou rode on the wall to eavesdrop on the Cui family's lectures.Cui's children relied on their numbers, and Ma Zhou was beaten badly.

Ma Zhou was 11 years old this year, and Ma Zhou met Yu Qing, the noble man in his life.Yu Qing donated the Five Classics and [-] coins to him, and invited Cui Daoru, a descendant of the Cui family, to teach Ma Zhou to study.Ma Zhou is a person who knows how to repay his kindness. He knows that the person who secretly supports him is the Hou Mo Chen Qianhui of the Mo Mo Chen family.

During the reign of Wude, he supplemented teaching assistants in Bozhou, drank alcohol every day, and did not take lectures seriously.The governor Da Xishu reprimanded him many times, and Ma Zhou resigned angrily, wandering between Cao and Bian, and was insulted by Cui Xianshou, the order of Junyi, so he traveled westward to Chang'an in anger.Staying in a hotel in Xinfeng, the owner only entertained the merchants and did not take care of Ma Zhou, so Ma Zhou ordered a bucket of eight liters of wine and drank it alone, the owner was deeply surprised.Seeing that Ma Zhou had no money, the shop owner told Ma Zhou that Chen Ying was recruiting talents to set up a bank.

However, Ma Zhou was unwilling to serve merchants and remained unmoved.Later, Yu Qing personally found him and asked him to work for Chen Ying.

Only then did Ma Zhou realize that Chen Ying was the younger brother of Hou Mo and Chen Qianhui.

While Chen Ying was looking at Ma Zhou, Ma Zhou was also looking at Hou Mo Chen Ying.

Ma Zhou was funded by the Hou Mochen family, and he was a disciple of the Hou Mochen family.In fact, the Hou Mochen family supported many people like Ma Zhou, and Ma Zhou was just one of them.

Of course, it is also because of time constraints.If Chen Ying can give Hou Mo and Chen Qian time to meet, let alone 300 people, he can find even 3000 people.

Chen Ying could tell from Ma Zhou's gift to him that he must be a disciple of Hou Mochen's family.Chen Ying was slightly taken aback, then
He told Ma Zhou about the banking system in the name of the bank, from the profit of the bank to benefiting the people and benefiting the country... Chen Ying watched as Ma Zhou became more and more confused, and then suddenly realized.

Banks in later generations are closely related to people's lives. Even people who have never worked in the banking system will know more or less the process of a bank.Ma Zhou was a poor man, he had never dealt with money houses, and he didn't understand what Chen Ying said about money derived from money. Xu Jingzong followed Chen Ying to formulate the banking system, and he was a little confused.

Chen Ying sighed, and said to Gao Wenjin, who was waiting outside the door: "You go and get some money, and I'll demonstrate it to you."

After a while, Gao Wenjin was holding a tray containing six large silver ingots weighing 50 taels.Chen Ying put the six silver ingots on the four corners of the table and introduced to Xu Jingzong and Ma Zhou: "This represents the Beiping Bank, Luoyang Bank, Chengdu Bank and Jiangdu Bank."

Ma Zhou, Xu Jingzong and Gao Wenjin nodded.

Chen Ying and I deposited the [-] coins into Chang'an Bank, and said that Chen Ying put the two ingots of silver in his hand in the middle of the table.

"I want to take the money to Chengdu to enter Shu brocade. It is 70 miles from Chang'an to Chengdu. If it is transported from Chang'an to Chengdu with 300 guan, it will take at least 3000 to [-] days. The [-] guan weighs [-] catties. There are more than [-] two large vehicles, and each vehicle needs two porters. This is more than [-] people, and escorts are also needed. To ensure the safety of the convoy, at least [-] to [-] troops are needed, and a team of nearly [-] people. After eating horse chews for nearly two months, the bank’s [-]% profit isn’t too much, right?”

"Gold and silver transactions are not allowed among the people, so they can only use copper coins. It is really not easy to carry a huge amount of money. It is reasonable to charge [-]% profit for a thousand five-mile journey." Chengdu took out [-]% of the guan, and the [-] guan is the gross profit of the bank?"

Chen Ying nodded and said: "Correct answer. The merchant purchased Shu brocade in Chengdu and found that he didn't have enough money. The price of Shu brocade was 20% cheaper than that in Chang'an. He felt that it was profitable and wanted to buy more at once, but he didn't have cash in hand. At this time , he can find an acquainted businessman as a guarantee, and with a property pledge of sufficient price, he can take a loan of 20 guan, and sell the Shu brocade from Chengdu to Chang'an. , plus the service fee from Chengdu to Chang'an, we can earn a gross profit of [-] Guan..."

Xu Jingzong said: "The country's dynasty is based on agriculture, which encourages business and industry, which is putting the cart before the horse."

Chen Ying laughed and said, "How can we put the cart before the horse? In case of natural disasters and man-made disasters, farmers can't survive, they don't have farming tools and seeds, and they don't want to sell their land. They can ask our bank for loans. Farmers can buy seeds and tillage with loans. Is it better than selling children and daughters to sell land? This is just the most basic way for banks to make money. As long as banks in various places can keep a large amount of money in their hands, then The means of making money will continue to circulate.”

Ma Zhou was puzzled and said, "It's really quick for the bank to grab the money!"

The bank's accounts need to be double-entry. If a sum of money goes from Chang'an to Chengdu, it's going, and the money coming back from Chengdu is reciprocating. This will generate double profits. When he was walking on the road of fantasy, he had a loan interest rate, and there were transactions, so it was very inappropriate to follow Datang's bookkeeping method.

Chen Ying introduced the bank's process and operation method to Ma Zhou, when there was the sound of running anxiously outside the door.

Chen Ying was secretly surprised that Hou Mo and Chen Qian would leave him sixteen warriors, and these sixteen warriors were all skilled, they guarded outside, and no one could come in.Chen Ying frowned slightly, his face full of displeasure.

At this moment, a pretty girl in a green skirt came straight to Chen Yingshen and said, "Help me, sir!"

Hearing this, Chen Ying was even more puzzled.

(End of this chapter)