Capital Datang

"Hurry up, all of you, the bank will be closed if it's later!" Qian Er shouted anxiously, urging the two cart pushers.On the car were the copper coins obtained from selling goods today, which add up to exactly 150 guan, which is several hundred catties. It is not safe to keep such a large amount of copper coins at home, so Qian Er hurriedly transported them to the bank for deposit.

Qian Er is a very ordinary businessman in Chang'an City. His business is neither big nor small. However, when Qian Er is mentioned in the business field, many people know him. However, he has a famous cousin, Qian Cai, who claims to be one of the ten richest people in Chang'an City, and he has an inseparable relationship with Wang Zihao, who represents Qi Wangfu. He can be said to be a big tycoon in the mall. Qian Er looked at each other with admiration".

And Qian Er is also very grateful to his cousin. Originally, although he and Qian Cai are cousins, they have already made five suits, so they are not too close.What's more, when he was a child, his family was poor, and he couldn't even have enough to eat. Later, the cashier saw him as pitiful, so he arranged for him to work as a clerk in his own shop. Later, after Qian Er had gained some experience, he supported him to start a business by himself. He said that it was Qian Er's help from Qian Er that made him what he is today.Although the business he does is not considered big, he can afford food and clothing. He even sent his two younger brothers to study, and now he has made a small success. One of them went to Taiwan to work as a small official, and the other worked as an official in Shanghai. Tax officials are considered to have a background.

Cashbox is in the cotton cloth business, and all the goods are purchased from the textile base in Youzhou, and the freight is also cheaper than the textile factory in Guanzhong, and then he sells them to Hu merchants who go to the Western Regions.Make a difference in the middle.Originally, the business of cotton cloth was extremely profitable, but his capital was not large.With a shipment of more than a hundred at a time, you can't make a lot of money but you can't starve to death.

Originally, more than 100 transactions can be transferred directly to the bank.But the other party is an old antique. He didn't deposit the money in the bank at all, but was directly brought in by a carriage. As a result, when the money was time-consuming and laborious to be counted, the sun was almost setting, and the bank was about to get off work. Now, if you don't hurry up, you can only send these copper coins home, although money is a good thing.But it's not a good idea to keep so much money around, at least for Qian Er, if he keeps so much money, he will definitely not be able to sleep.Capital Datang 452

The two guys are also very hardworking. The boss has promised just now that as long as they can deposit the money in the bank, they will have the usual bonus this month, so both of them put out their "milk" strength, Gritting his teeth, he pushed forward desperately.It is because of the hard work of these two guys.They finally arrived before the bank closed, and then the bankers weighed the copper coins, because each copper coin has the same weight, so just do a division.You can get the number of copper coins.

After the 150 guan copper coins were counted, Qian Er took out his bank passbook and government household registration, and asked the bank to add today's 150 guan.The whole guog is very cumbersome.Moreover, part of this batch of money will be withdrawn in a few days, because it is time to pay the guys wages again.In addition, his warehouse also needs to be renovated, which will cost a lot of money.

I thought I had to go to the bank on the day I paid my wages.Then after going through a series of cumbersome procedures, and then asking two guys to pull the money, Qian Er couldn't help but feel a little headache, although he also knew that the bank's deposit and withdrawal procedures were so cumbersome, mainly for safety considerations , but every time he comes to the bank, he still complains about it.

In fact, businessmen like Qian Er are very satisfied with the new thing of the bank. For example, if they both have bank accounts, they can go to the bank directly and transfer the money to the other party's account. It needs to be traded with a lot of copper coins as before.In addition, the emergence of banks also makes it unnecessary for them to store money at home. They only need to deposit the money in the bank and then take the passbook back. When they want to withdraw, they need to bring the passbook, household registration and the password set when depositing money. , the password is only known by the person and the bank, and only by matching the password can the money be withdrawn.

At the beginning, Qian Er didn't have much trust in the bank, but as time went by, and he also learned from his cousin Cash Box that the major shareholder of the bank was His Royal Highness Qi Wang.This made him feel more at ease, and began to deposit money in the bank slowly, and even liked to come to the bank for business transactions. After all, for him, he no longer had to drag a bag full of copper coins all over the street. The only dissatisfaction is that the procedures for depositing and withdrawing money are too troublesome.

After the people in the bank added today's money to his passbook, Qian Er was relieved, carefully put the passbook and household registration in his arms, and was about to leave.But at this moment, the young man who handled the formalities for him suddenly pulled him back and said with a smile: "Master Qian, I see that you often come to the bank to deposit and withdraw money, and it takes a long time every time. The bank is going to launch a new business, which is very suitable for your situation, do you want to give it a try?"

The young man holding Qian Er was named Liu Shu. Although he was not very old, he was an old employee of the bank. Every time Qian Er came to handle business, he was received by this Liu Shu. The two had a good personal relationship, so each other There are less scruples between them.

Hearing Liu Shu's words, Qian Er rolled his eyes and said, "Brother Liu, don't you want to sell me your bearer money notes again, right? That small business can’t use things of such a large face value, and you also know that although bearer money notes are very good, some old-fashioned people don’t accept them at all, so people like me don’t need them at all!”

The unregistered bill in Qian Er's mouth is actually a paper money in disguise. No matter who holds this money bill, it can be exchanged for corresponding copper coins from the bank. flow in a small area.Therefore, although the bank has launched this service for nearly a year, not many people use it.

But Liu Shu laughed loudly after hearing this: "The shopkeeper Qian misunderstood, I naturally know that you don't need bearer money notes, but the business launched by the bank this time is for you to use."

As Liu Shu said, he walked to the bank's counter very mysteriously, and then took out a small box. When he opened the box, Qian Er saw that at the bottom of the small box, there was a very special Coin, this coin looks the same as ordinary Kaiyuan Tongbao, but it is silvery white, and the surface is smoother and more delicate than ordinary copper coins, making it look very beautiful.

Seeing this strange coin, Liu Shu couldn't help but look at Liu Shu with some doubts, and then, in the eyes of the other party, he reached out to pick up the coin and looked at it carefully. As a result, as soon as he got the coin, he felt It turned out that it was a silver coin. When he was following his cousin's cash drawer, he had worked as a clerk in a jewelry store for a while. As long as he got all kinds of jewelry, he could immediately feel its texture.

Liu Shu also introduced at this time: "Master Qian, this is the silver coin that our bank is going to issue. Although it looks like a copper coin, its value is much higher than that of copper coins. Our bank guarantees that a silver coin can Be consistent money, and as long as someone holds a silver coin, you can exchange it for a consistent copper coin at any time!"

Qian Er is a smart person, and he immediately understood Liu Shu's introduction.This kind of silver coin is actually similar to the bearer money note, except that it is made of silver which is more valuable in itself, far from the kind of money note that is just a piece of paper, and the value of the silver coin is also relatively low. It is easier for people to accept one piece of money than a money ticket.In addition, a silver coin is not only more convenient to carry than conventional copper coins, but also has a much smaller target, which is not easy to attract the attention of others.

In addition, Qian Er also thought that if he exchanged the copper coins in his hand for silver coins, then even if it was a hundred guan, it would only be a hundred silver coins in the end, and the sum would only weigh more than a catty. This amount of money can be carried with you. And when you pay the staff, you can also use silver coins instead, and the payment can be finished very quickly. You don’t need to go to the bank to get a box of copper coins, and then count and count again. More than an hour.

After thinking about this, Qian Er's eyes brightened, and he asked impatiently: "Liu Shu, how many silver coins do you have here, I want to exchange some!"

Liu Shu knew Qian Er's situation very well, so he knew that he would be tempted, but he could only say very apologetically: "Master Qian, I'm sorry, this silver coin has not been issued yet, this one is for you to see." They are just samples. If you really want to exchange some silver coins, you can only wait until the day when the silver coins are issued, and you must come as soon as possible, because as far as I know, there are not many silver coins issued in this batch. If you come later , then you can’t change it!”

Hearing that the silver coins hadn't been issued yet, Qian Er couldn't help but feel a little disappointed, but he was satisfied to know the news in advance, and then asked Liu Shu about the specific release time, and Liu Shu told him that four days later, Chang'an's The headquarters of Datang Bank will start to issue this kind of silver coins, and he will come earlier that day.

After receiving the specific news, Qian Er was also very grateful to Liu Shu. After thanking Liu Shu immediately, he took his buddy and left.In the early morning of the fourth day, he sent a clerk to line up, but what he didn't expect was that even though he had asked the clerk to come before dawn, there was still a long queue, and Liu Shu could do nothing about it .Capital Datang 452

Finally, when it was Qian Er's turn, the bank's silver coins had almost been exchanged, and finally he exchanged all his deposits for silver coins.Originally, he didn't intend to change so much, but he also heard a piece of news from the person who issued the silver coins, and it was this news that made him change his mind and exchange all the deposits in his hand for silver coins. (To be continued.)

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