Eighth year of Chongzhen

Chapter 420 Silver Note
"This... Can you be a bank account? Shopkeeper Zhou, I have been cooperating with your Sihai Commercial Bank for several years, and we have dealt with each other many times. Don't deceive me! If your bank account cannot be transferred within two weeks, I will There is no need to accept cash for the first batch of goods, and it’s okay to settle together with the next batch, but don’t deceive me with these colorful pieces of paper!"

In a shop specializing in silk and satin fabrics in the Sihai Commercial Bank in Beijing, He Junming held a dozen or so palm-sized pieces of exquisite paper with ocher background color and flower and bird patterns on the background, and looked at the cloth shop with a suspicious and wary look. Shopkeeper Zhou Wei said.

He Junming, who is over [-] years old, is a merchant in Suzhou Prefecture. He runs a weaving workshop at home, and he also travels to the north and south to sell goods. Over the past ten years, he has accumulated a considerable family business.

Since He Junming has been in business and set up factories for many years with a good reputation and is willing to do good things, Four Seas Trading Co., Ltd. chose to cooperate with He Junming. He will supply the company's silk and satin cloth shops in the Gyeonggi area. The cooperation between the two parties has been two years now.

Usually, He Junming seldom personally escorts the goods to the capital. Usually, the cousins ​​at home take turns to deliver the goods to Beijing. However, because this time he needs to purchase a large number of agricultural tools for sale, and the Four Seas Company in Suzhou Prefecture told him that he must bring the bank notes from the capital. It was only when he came back to purchase, so he took a cotton cloth to the capital by the way.

"Haha! It's understandable that Mr. He's family doesn't know the inside story. Let me tell you, this thing is called a bank note. This piece of paper is extraordinary. This is a method that the emperor came up with himself. It is really wonderful! Today, our Four Seas Commercial Bank All business is settled with this. You only need to return to Suzhou with the bank note, and then hand over the item to the newly established Universal Bank, and you can raise the same amount of silver to buy items! Come, let’s sit down and talk! People, serve tea!"

Zhou Wei didn't mean to blame He Junming for his confusion and misunderstanding. Instead, he asked him to take a seat in the back hall with a smile and gave orders loudly.

After a while, a young man came to the second hall from the backyard with two cups of hot tea, put the hot tea on the low table between the two of them, turned over and backed out.

"It's really the emperor's idea?! I was the one who talked too much just now, and I hope shopkeeper Zhou will forgive me a lot! Dare to ask shopkeeper Zhou, what is the magical effect of this thing? Why don't shopkeeper Zhou explain the confusion to He Mou?"

He Junming quickly changed the subject, so as not to upset Zhou Wei.But fortunately, judging by Zhou Wei's attitude, he probably didn't mean to blame himself.

After hearing the word "emperor", he suddenly woke up. Due to his frequent contacts with shopkeepers of the Four Seas Trading Company, he subconsciously ignored the background of the Four Seas Trading Company.

"Hehehe, even if you don't ask, Mr. Zhou will explain it to you! Boss He, let me ask you: You have been in business and set up a factory for many years. Whether it is daily purchases or shipments, you always have to carry a lot of silver and two copper coins. Right? If there are too many goods to trade, the money will probably have to be carried by carts, right? And you also have to worry about meeting thieves and losing both people and money, right?"

Zhou Wei asked with a smile.

"Isn't shopkeeper Zhou knowingly asking? You are also an expert in business for many years, and you are familiar with the ups and downs of the merchants! To tell you the truth, I came to the capital to purchase goods this time, and I brought 5000 taels with me. Silver, I’m going to buy some leather to go back to sell, these silver coins will be guarded and carried by two strong men in the workshop, otherwise I’m really worried!”

He Junming did not hide it. Since the cooperation between the two companies, the relationship has always been good. Besides, the farm tools he wants to purchase this time are also purchased from the Four Seas Trading Company.

The shopkeeper of Sihai Trading Co., Ltd. in Suzhou told him that the Beijing Military Supervisory Committee has now manufactured a large number of hoes, shovels, plowshares and other agricultural tools. Sihai Trading Co., Ltd. has invested in the purchase and then franchised them. However, he needs a partner like him to visit the capital in person. You can only come back to pick up the goods.

The agricultural tools produced by the Military Weapons Supervision are very popular. Because they are made of real materials, they are sharp and durable, so they are widely praised in all parts of Daming.

Due to the new regulations of the imperial court, as long as they are citizens of the Ming Dynasty, regardless of their status, the new emperor will be exempted from paying taxes for three years.

Whether it is a commoner family or a country gentry, a lot of manpower and material resources have been invested in land reclamation, and the supply of farm tools has been in short supply.

Because He Junming has a good relationship with the Four Seas Trading Company, he is eligible to participate in the distribution. Otherwise, no matter how much money you have, you will not be able to pick up the goods from the Four Seas Trading Company.

"Boss He, take a closer look. This bank note has a face value printed on it. You see, those printed with 100 taels can be used as silver taels of the same value. The rest are the same as the same amount of silver taels. What should be paid to you this time is [-] taels, and you haven’t taken the [-] taels, so the total is [-] taels of silver. Think about it, if you are given so much silver taels, you won’t be able to live without it. You need to hire a car and someone, which is another expense, and you are afraid that thieves will stare at you. But these banknotes save you such troubles. You just need to carry them in your pocket and walk on the street. Who would know that you have a huge sum of money?"

This is something that is obvious at a glance. Zhou Wei briefly explained it, and He Junming immediately understood the benefits of bank notes.

"This silver ticket is really convenient! Compared with the previous people carrying it on their shoulders and swaggering through the market, it really saves countless troubles! It's a good thing, but it's a good thing! But, then again, shopkeeper Zhou, we are not outsiders. I also believe that I can buy materials from your account with this item, but if someone with a heart sees this thing and finds someone to imitate it, and then buys materials from your account and then sells it or the holder accidentally loses it, then how can your account lose it? Didn’t you lose your money? Isn’t the person who lost the bank note also a big loss?”

After all, he has been a businessman all year round, has dealt with various people, and suffered a lot of losses. He Junming immediately discovered the huge loophole of the bank note.

"He Dong's family is indeed an old merchant, and you can see the key here at a glance! Hehe! However, He Dong's family, since this thing is the emperor's idea, with the emperor's natural resources, how could it not have thought of such a big flaw? ?”

Zhou Wei picked up the hot tea and took two sips leisurely, then put down the cup, and said with a smile on his face.

"I said shopkeeper Zhou, don't be a fool, just tell me quickly, how did the emperor prevent this from happening?"

He Junming saw Zhou Wei's calm expression, and felt as anxious as a cat's paw scratching.

"Hahahaha! Okay, okay, I will tell Mr. He's family the truth, so that you don't worry about it! Mr. He's family, please take out a bank note, and I will talk to you!"

Seeing He Junming's itchy heart, Zhou Wei couldn't help but laugh.

He Junming hurriedly reached into his arms, and took out a stack of bank notes that he had put into his arms just now, and then picked out a bank note with the words "one hundred taels" written on it, and handed it over.

After Zhou Wei took it, he moved closer to He Junming, pointed at the bank note with his index finger and said to He Junming: "He Dong's family, have you seen it? The picture of flowers and birds on this hundred taels of bank note was hand-painted by a famous painter in the palace. Afterwards, it was carved and printed on the top-quality mulberry wood paper. The hundreds of lines of poems on it were also carved by miniature carvers, and it is impossible for ordinary people to imitate them. It doesn’t matter if the holder accidentally loses it. The cash is paid out on the tenth day after receiving the bank note, which is enough time for the holder to report the loss to the bank!"

　Thanks to the Junggar sword king and book friend Lin Lingsu for the 2018 reward.

　　
　
(End of this chapter)