Great Song Super Scholar

Chapter 480
Yingtianfu is also an important commercial town with many money shops. The three most famous money shops are Jucai Money Shop, Xinyi Money Shop and Jinqiao Money Shop. They are all top ten money shops in the capital. several years.

However, Zhu's money shop did not set foot in Yingtian Mansion. It was not until Fan Ning became the prefect of Yingtian Mansion three months ago that he began to enter Yingtian Mansion strongly. He opened five money shops in Songcheng County in one go, and the money shops developed very well. Quickly, in just three months, it became the fourth largest money shop in Ying Tianfu.

Ten days later, Fan Ning accompanied Zhao Zhongzhen to inspect the main store of Zhu's Money Shop Yingtianfu.

When Fan Ning and Zhao Zhongzhen arrived at the money shop, Manager Liu had been waiting at the gate for a long time, Zhao Zhongzhen smiled in surprise, "Why is Manager here?"

Manager Liu said with a smile: "If the reform of the military salary relationship is successful or not, I must hold the line here!"

"well said."

Zhao Zhongzhen praised: "Tomorrow is the first time that the military salary is distributed. I wonder how the money shop is prepared?"

"It's ready, Your Highness is welcome to check!"

"I can't talk about the inspection, I'm also here to learn about it."

Fan Ning gave Manager Liu a wink, and Manager Liu waved his hand, "Please, Your Highness!"

Fan Ning accompanied Zhao Zhongzhen into the money shop. The main store of Yingtianfu Money Shop was originally a warehouse, that is, a pawn shop. Behind it was a very strong bluestone warehouse. Copper coins were placed in the warehouse, and gold was placed in the warehouse. For silver and other valuables, the middle courtyard is the accounting room and the middle hall, where the money shop works. The shop is in front of it. The shop is very large and covers an area of ​​two acres. It is divided into ten counters, and there is a money collector in front of each counter. .

There is no money in the store, and there are special personnel responsible for picking up and withdrawing money from the warehouse. Manager Liu invited Zhao Zhongzhen into the store. There are six iron frames in a row on a large table against the wall of the store, and six signs are hung on the frames. , Corresponding to the six barracks of the Xiang Army, five or six books are placed in each iron frame, five of which are locked with a lock, and only the frame marked Yingtianfu is open.

"Why are there accounts from the other five states here?" Zhao Zhongzhen asked puzzled.

Manager Liu smiled slightly and said: "This is not only the main store of Yingtianfu, but also the main store of Jingdong Road. Soldiers from other barracks on Jingdong Road can withdraw money on the same day, and at the same time, they can also come to Yingtianfu to withdraw money. Of course, the same is true for ordinary customers. , you can withdraw money across state lines.”

"There's a problem here."

Zhao Zhongzhen thought for a while and said: "For example, Zhang San's account is in Zhu's money shop in Xuzhou. He withdraws money from Xuzhou money shop, and then rides a fast horse to Yingtianfu main store to withdraw money. At this time, he is in Zhu's money shop. There is still no money in the store, but how do you know?"

Master Liu smiled and said: "Actually, the methods of all money shops are the same. There are two situations. One is that Zhang San told Xuzhou Money Shop in advance that he wanted to withdraw money at Yingtian Mansion, and then Xuzhou Money Shop issued the money. A cross-state money withdrawal book, which shows the balance of his savings, how much money he plans to withdraw this time, and then Zhang San can come to Yingtianfu Main Store to withdraw money with this money withdrawal book, money deposit card and password.

Another situation is that Zhang San came directly to Yingtianfu without telling the money shop in Xuzhou. Naturally, he didn’t have a book for cross-state withdrawal of money. In this case, he had to wait for two days before we sent a pigeon letter to the money shop in Xuzhou. Confirm that the money can only be withdrawn after confirmation. "

"The following money shops are usually not in contact with the main store?"

"There is a connection. The store below must report to the main store every ten days, and report the details of each customer's deposit and loan."

"Then should I report to the main store in Beijing?" Zhao Zhongzhen asked.

"Borrow [-] guan and save [-] guan. We call it a big customer, and a big customer must report to the head office in Beijing."

At this time, a clerk brought over a thick stack of account books and put them on the table. Steward Liu said with a smile: "All the account books of Ying Tianfu's five thousand Xiangjun are here. One account has one account page, and each book has two pages. Hundreds of accounts, a total of 26 books, and a separate book for generals above the prefect."

Manager Liu pointed to a large row of cabinets at the back and said, "In addition to the account books, there are also personal cards. Each person has one card. After using it during the day, if you want to log in at night, you must keep the account card consistent."

Zhao Zhongzhen picked up the account book of the general, and he opened it casually. The first page was Li Han, the commander of the capital, with his account number on it. ten times.

Zhao Zhongzhen was startled, "Isn't tomorrow the day when the military salary is paid?"

Fan Ning explained with a smile: "The appeasement envoy gave the money to the money shop five days in advance. Tomorrow is the soldiers' pay day. Many soldiers will come to the money shop to withdraw money early in the morning, so they must be credited in advance."

"I see!"

Zhao Zhongzhen smiled happily: "Then let's come back tomorrow to see the excitement!"

The monthly pay day is also a holiday in the military camp. In the past, soldiers could not get their money until the afternoon, and then went to the city to eat and drink at night, but after it was changed to pay at the money shop, many soldiers ran into the city early in the morning.

Zhu's Money Shop also opened at dawn, and soon, there was a long queue in front of the main store of Yingtianfu Zhu's Money Shop, ten counters were all lined up, each soldier held a bronze medal in his hand, his face Everyone was very excited. This is the first time that most soldiers have received their military pay in full without being deducted.

The guys were sweating profusely. After receiving the bronze medal, they immediately ran to the cabinet to find the card. After finding the card, they came back and asked, "How much did you get?"

"How much money do I have?"

"Five strings of money!"

The soldier clenched his fist excitedly. Before, he would be deducted hundreds of cash, but this time he was not deducted. He quickly said, "I will take two pennies and five hundred cash!"

"It can only be rounded, either two or three."

"Then two pennies!"

"How much is the password?"

The soldier vigilantly looked to the sides and the back, took out an envelope from his pocket, took out a piece of paper and handed it in. The clerk looked at the password paper and returned it to him. The password was that the money shop clerk went to When the military camp gives out bronze medals to soldiers, each soldier will get a bronze medal and a piece of paper with a password.

The clerk took out two bills of consistent money and handed them to the soldier. The soldier turned around and squeezed out with the money. The clerk shouted, "Next!"

Today, because there are too many people, I can only withdraw money, and the speed is very fast, and the team is rapidly shortening.

Fan Ning and Zhao Zhongzhen stood on the opposite side of the street, watching the soldiers coming in and out. Zhao Zhongzhen stopped a soldier and asked, "How do you feel about using the money shop to get money?"

The soldier nodded and said, "Yesterday I was worried, but today I got the money, and I feel relieved immediately. It feels very convenient, and it's the first time I've received full military pay, so I'm very excited."

"Then what inconvenience or dissatisfaction do you feel?"

The soldier thought for a while and said: "The only inconvenience is that I can't get change. I want to get two pennies and five hundred coins, but the money shop can only take them according to the amount. It's either two pennies or three pennies. I can't get five hundred pennies. "

"Why?" Zhao Zhongzhen asked Fan Ning strangely.

"His Royal Highness, the main issue is the price difference between copper coins and jiaozi. You can only exchange 950 copper coins for jiaozi in money shops, and jiaozi is always used for imperial salaries. If this soldier wants to get two guanqian One hundred Wen, then he can only get two consistent Jiaozi and 470 five Wen in the end, and it is very time-consuming. In order not to delay the withdrawal of money by the soldiers behind, so today he can only withdraw the whole money, and he can exchange it when eating and drinking , the price difference has been included in the profit of the shop, and all money shops are like this, it is recommended to pay the whole money instead of taking scattered copper coins."

"I see!"

Zhao Zhongzhen nodded and asked again: "Then when can Jiaozi be exchanged for copper coins in full?"

"This requires the imperial court to have a huge amount of silver and gold reserves, and Jiaozi also needs to have a long-term credit that will not depreciate in order to gradually win the trust of the people. There is no way now. If it is exchanged on a one-to-one basis, there will be no Jiaozi outside. Everyone Going to the money shop to exchange copper coins, it takes time to settle."

The two left the money shop, and while urging the horse to slow down, Zhao Zhongzhen said: "I am very concerned about the mentality of the generals, will they be dissatisfied?"

Fan Ning smiled lightly: "It is inevitable to be dissatisfied. After all, the interests have been eroded. I guess the loss in the east will be made up from the west?"

"What do you mean?"

"It's very simple, you need tea, the commander blackmails the captain, the captain blackmails the abbot, the abbot blackmails the captain or the soldiers, and in the end the wool comes from the sheep."

Zhao Zhongzhen was stunned for a moment, "Then what's the point of using money to pay the salary?"

"Of course it's meaningful. You can give or ignore your filial piety to your boss. Unless you want to be promoted, the boss has nothing to do with you, but the deduction of military pay is forced. Whether you want it or not, you have to deduct so much money. "

"But will you wear small shoes for soldiers who don't want to be filial?"

Fan Ning laughed, "That's not the case. After all, most soldiers don't want to be filial. They can only say that being filial to their superiors will bring some benefits, but if they are not filial, they will not get the benefits. The law does not blame the public, and wearing small shoes will not do it. Filial piety involves human feelings, it is hard to avoid!"

"What about the empty salary? Will there be a resurgence?"

Fan Ning nodded, "Not in the short term, but it will be hard to say in the future. Unless the whole army advances together, strict military laws are used to restrict, and if there are vacancies for soldiers, they must report for one month, otherwise they will be seriously warned. If they do not report within three months, they will be punished." Military officials and command envoys are dismissed from the military, and if they do not report within half a year, they are dismissed from the military and sent to prison. Salary."

(End of this chapter)