Mingmen Family

Chapter 30 Tea Coins
As for Zhang Shi, the wife of the fourth Ye Hongrong who stabbed the big hole, she should bear most of the responsibility for her husband's fault, but that is a stingy bastard who puts money more than life.With the words of borrowing the dowry silver and jewelry, Mrs. Zhang will not stop until the world is turned upside down.

So don't poke that hornet's nest.At this time, one thing more is worse than one thing less.

Ye Chongming ignored the old lady.

Unless he is desperate, he will never touch women's private property.

And there is something in Ye Yaming's words.

He asked: "You only want to fill in that part of the gap, what about the reserved tea money for the tenants?"

3000 taels is not a lot of money in normal times.But it's really difficult to get together right now.

"Discuss with your uncle and grandpa and ask him to issue a certificate called tea coin to the tenants." Ye Yaming said, "This tea coin is similar to a silver ticket, and it is guaranteed by the bank. The tenants take the tea coin to the bank, Corresponding to the information such as your name and amount left in the bank, you can directly exchange it for cash at the bank."

"Tea coins?" Ye Chongming was taken aback, digested Ye Yaming's words, and asked hesitantly, "Can this be done?"

"Those farmers have cooperated with our Ye family for decades and have a deep friendship; in addition, these tea coins can be exchanged into cash, and they are guaranteed by the bank. They should be willing to pre-purchase spring tea in this way. And you can Tell them, if you save the tea coins until next spring when the full payment is made and then exchange them directly with you, ten taels of silver can give you an extra one hundred coins."

Having said that, she hastened to add: "Of course, this number is just for me to say casually. As for the specific amount of interest, you can discuss it with your uncle and old lady to see what is appropriate."

Ye Chongming thought for a while and said, "There is nothing wrong with the gardener."

Not to mention giving them the tea coins issued by the bank, you can directly exchange them for cash; if you don’t give them anything, with the integrity of the Ye family’s business and decades of cooperation and friendship, most of the farmers will sell him one Favor, book next year's spring tea for him.

But this kind of favor is only once at most.And after selling his favor, he can't blame the tenants for any mistakes in the future.Farmers may also be slack in the quality of Maocha, causing endless troubles.

So there is still a big difference between giving tea coins and giving nothing.

but……

He said: "The problem now is the bank. Your uncle and the old man will not agree to do this. It is more harmful than lending us money in private. There are many people in the bank. Once it is spread, they say that they only take a piece of paper. You can go to Baofeng Bank to exchange cash, do you think those depositors will panic?"

"Once this panic spreads and everyone goes to Baofeng Bank to withdraw their money, Baofeng Bank will be over."

Ye Yaming dared to make this suggestion, so naturally he would not have thought of this.

She said: "This matter will definitely spread. Grandfather, don't forget that Meng Chengwei is still watching us. At that time, he will definitely make a fuss about this matter, and Baofeng Bank will definitely cash out."

"Then you still came up with this idea?" Ye Chongming looked at her suspiciously, and his eyes lit up immediately, "Do you have any good countermeasures?"

Ye Yaming rolled his eyes and showed a little fox-like smile: "You said, if Baofeng Bank not only did not charge depositors' security deposits, but instead gave depositors an interest for every sum of money deposited, would there be any interest?" A large number of people go to Baofeng Bank to store money?"

Both Ye Chongming and Mrs. Ye were shocked.

"Where does the interest come from?" Mrs. Ye asked.

"Come here from the tea merchant." Ye Yaming said.

Ye Chongming's eyes lit up, thoughtful.

Ye Yaming asked Ye Chongming: "Is it true that many tea merchants are short of funds when autumn comes, and every time they try to borrow money to reserve next year's spring tea?"

Ye Chongming nodded: "That's not true. Otherwise, we wouldn't have to be in such a difficult situation. Some in-laws can borrow some money and we can tide over the difficulties."

Because the tea business is very profitable, no matter which tea merchant wants to order more spring tea in autumn.Therefore, they will spend all their funds to buy tea.But after getting the spring tea, it is impossible for these tea leaves to be sold out half a year before the Mid-Autumn Festival.Because Chinese New Year is also the peak season for tea sales, if they want to pursue huge profits, they have to save tea to sell during the Spring Festival.

That is to say, it is impossible to recover all the funds invested in the Mid-Autumn Festival in the first year before the Mid-Autumn Festival in the second year, which makes tea merchants stretched and short of funds when pre-purchasing tea for the Mid-Autumn Festival every year.

As the saying goes, you don't save the poor if you are in an emergency, let alone lending you money to do business.If you make money, they don't get much benefit; but if you lose money, their money will be wasted.Besides, what the tea merchants lack is not small money, who would lend you tens of thousands of taels for business?

Therefore, no matter how short of money a tea merchant is, it is impossible to borrow money from relatives and friends.Even if he opened his mouth, he couldn't borrow money, instead he just threw his face on the ground for people to step on.

The tea merchants can only make careful plans on their own, and move around to get through the hurdle of ordering tea.Those who are looking for safety can only order less spring tea; those who are more radical will jump around every Mid-Autumn Festival.

As other tea merchants are like this, so is the Ye family.

"Then if Baofeng Bank is willing to lend money to tea merchants, what if they only ask the tea merchants to give a certain amount of interest? Will the tea merchants be willing to lend this money?" Ye Yaming said.

When Ye Chongming asked Ye Yaming step by step, he had a certain guess.At this moment, he slapped the table hard: "Good idea." It shocked Mrs. Ye.

After being married for so many years, she has never seen her husband so unstable.

Ye Chongming immediately stood up excitedly, and quickly walked out the door: "I will go to your uncle and old man to discuss this matter now."

At this time, the 60-year-old man showed the agility and impatience of a young man.

"Grandfather." Ye Yaming hurriedly called him to stop, "Then the sweet-scented osmanthus tea will continue to be made?"

Ye Chongming slapped his forehead and stopped.

"Make it! Why not make it? I will order people to buy sweet-scented osmanthus and loose tea tomorrow morning. We will make as many raw materials as there are, and the more the better." Ye Chongming said.

He thought Ye Yaming's idea was really great.

With the temperament of his old wife's cousin Mei Chonglin, he would never disagree.But the Ye family gave such a good idea, Mei Chonglin naturally had to lend them a large sum of money.

These days, many people don't trust the bank, and would rather take a broken pot to hold gold and silver and bury it under the bed.First, you can rest assured, and second, you don't need to give the bank a deposit.

But now turn around, as long as the money is deposited in the bank, you can get the interest, let the money generate money, and you don't have to worry about the reputation of usury, why not do it?
(End of this chapter)