Good son-in-law of the Ming Dynasty

Guan Zhizhou said that the gentry bought tickets only for the convenience of carrying them, but Su Mu scoffed. Isn't this group of landlords just for the profit?

With the entry of the gentry, the salt ticket became even more popular in Cangzhou.

These days, the Development Bank can sell six or seven hundred tickets every day, and issue loans of tens of thousands of taels of silver.

At the same time, foreign capital also began to enter Cangzhou Yanshi.

The colleagues in the Development Bank were so busy that their feet didn't stick to the ground, especially Sun Chen, who was so tired that he lost weight.Not to mention, this person's arithmetic ability is good, and he also has some talent in the financial industry. In addition, he is reliable. Su Mu thinks that this classmate can still be of great use in the future.Whether Liu is in Cangzhou or going to Beijing or Nanjing in the future, he can be alone.

Su Mu doesn't care how much salt tickets are sold, or even how much money is loaned out. The priority now is to establish credit.

Credit is the real money.

However, Mr. Wu from the Yan Division couldn't bear it anymore.

After seeing Su Mu's economic means, Mr. Wu no longer has to worry about the 300 taels of relief money. Looking at the current situation, the deficit can be made up in the last two months.

The most troublesome thing for him now is that there is not so much salt for fans to exchange. The salt farm only produces so much every day, and the amount of salt merchants has to be taken out of it.According to this development, after a year, the production capacity of Changlu Salt Company will not be able to keep up.

There was no other way, the old man had no choice but to call Su Mu over again and express his worries.

But Su Mu smiled: "Old man, you worry too much. We don't have that much salt, so let's take it easy and exchange it. Who told you to exchange so much salt every day?"

Mr. Wu was thoughtful, "In this case, I'm a bit more kind."

Su Mu: "That's right. In the past, the Salt Division issued salt upon sight of the ticket. This rule needs to be changed. In this way, the staff of the Salt Division will not have to be so tired."

A while ago, in order to deal with the swarms of voters, all the government servants and book offices of the Yan Division were dispatched, and there was no time to rest from morning to night.By now, everyone is about to collapse from exhaustion.If Cangzhou Bank hadn't paid for everyone's double salary, I'm afraid someone would have already given up their picks.

Even so, Gu Run's group of scholars actively refused to cooperate and spread dissatisfaction everywhere.

If this exhausting situation continues, the people in Yansi will rebel first.

Master Wu: "Su Mu, tell me."

Su Mu: "Starting tomorrow, the Salt Division will only set up two tables to exchange salt tickets. The exchange time is from [-]:[-] in the morning to [-]:[-] in the afternoon, and there will be no waiting after that. The people who come to exchange are called to get the number first, and then line up after receiving the number. Limit the time, and sing the number to add salt, once there are more procedures, the speed can be slowed down." Converted into the words of later generations, it is nine to five.

"Is this possible?" Wu Shiqi was still a little worried: "Will this be able to control the amount of exchange?"

"OK."

"Then try it!"

On the second day, as soon as the new method was implemented, the effect was good, and the amount of salt exchanged was immediately reduced by a large amount.

Su Mu honestly sat at the exchange point for a day, took notes carefully, and found that this method is very good.

At the beginning, the common people were still a little dissatisfied.However, the people from the Yan Division roared angrily: "We are all raised by our mothers and fathers, and we all eat and sleep. You didn't pay me a penny, so why do you ask us to wait around day and night?" The harmonious sound immediately stopped.

The common people in ancient times were very honest, and what the government said was whatever it was, as long as it was reasonable.

So, everyone went to get it first, and then lined up to add salt according to the number.

Because of the time limit in the future, Yansi will go home from get off work.Moreover, the manpower has been reduced, and at the end of the day, the amount of salt tickets exchanged has been reduced by half compared to the past.

At the same time, the salt bills at the bank are still increasing exponentially.

As a result, the queue became longer and longer. In the end, it usually took three days from the time the bank bought the salt ticket to the time it was exchanged for the salt.

Su Mu also inquired that some users who came to Cangzhou from other places have already lived in Cangzhou for five or six days.

The salt exchange is getting slower and slower, and more and more people want to make a fortune by joining the salt ticket.In this way, a new industry was born.

Because it takes a day or two in line to exchange for salt, many locals who have no money to buy salt tickets take advantage of the location and queue up first to grab the number.Then, sell it to those who need it for two coins and one number.

These days, dock porters only earn one or two taels of silver for a month of hard work, and they only need to sell ten numbers to be worth a month's work for ordinary people.

As a result, the poor people who discovered this source of income were immediately excited. Before dawn, some people came over with small benches to arrange their numbers.Some people even took mats to sleep here.

Fortunately, the weather is hot, so I am not afraid of catching a cold.

This situation is quite a grand occasion for the registration of a large hospital in later generations.

One day, Su Mu came to the Yansi exchange point on a whim in the middle of the night, and saw that the square was full of sleeping people, and his scalp was numb.

Compared with this industry, during these days, the inns, restaurants, teahouses, and even brothels in Cangzhou City were crowded with merchants who came to buy salt tickets from other places, and each of these bosses made a lot of money.

In the end, the streets were full of customers with foreign accents.

Merchants in Cangzhou, from salt merchants to pulp sellers, generally feel that business is much better now than in previous years.

Even if you randomly set up a sweet wine stand on the street, it will be no problem to sell hundreds of bowls in a day.If it was in previous years, if thirty or fifty bowls were sold a day, it would be called Amitabha.

Because the time for exchanging salt is too long, it usually takes two or three days to wait, and, with the increasing number of salt tickets issued, this time is still extended without being shifted by people's will.

As a result, some businessmen lived in Cangzhou for a long time, and started their own business casually while exchanging salt.After all, business has to go on.

Invisibly, their business is gradually shifting to Cangzhou.

After all, Cangzhou is the water transportation hub of the Grand Canal. Even if you don't do the salt business, you can benefit from water transportation if you do other things.

Almost every day, a new company is established, and the sound of festive firecrackers is one after another.

Also because of the slow exchange of salt tickets, merchants accumulated more and more salt tickets.At this time, people with a keen eye found that the credit of this thing is very good, it can be used directly as cash, and it is also easy to carry. This way, it saves a lot of costs virtually.Moreover, there is a [-]% profit every year.

A business that can achieve a large scale has a large business, and the little salt exchanged from the salt company actually accounts for a small proportion of the total business volume.After discovering the benefits of salt coupons, many cheerful merchants were not in a hurry to exchange them for physical goods, but instead began to use them and circulate them.

Being able to achieve a certain scale of business, who is not a well-known figure with a millionaire's net worth.Both EQ and IQ are outstanding, so it is natural to know that the salt ticket can be exchanged for salt, but it is just an expedient move by the salt company to raise money for relief.

In the future, the exchange must be stopped, otherwise, wouldn't it disrupt the salt administration?

Judging from the current amount, that is three to two months.

Going in line to change the salt now, not to mention the small quantity, is quite annoying, so it's better to use it directly for business.

As a result, salt tickets began to gradually circulate in commodity transactions.

……

Changlu salt transport envoy Si Yamen, transfer envoy official office.

Wu Shiqi is working hard to write down everything that happened in Yanshi, Cangzhou this month into a notebook, and present it to the imperial audience.

Su Mu also thought it was true, after all, the fact that the salt coupons could be directly exchanged for salt touched the entire salt monopoly system, and this matter had to be clearly explained with the court.Otherwise, there will be big troubles. If it is changed to the era of fierce political atmosphere, it is possible to be punished for the crime of beheading.

"The old man is right. This salt exchange system can be implemented in the short term. It can be stopped when 300 million taels are collected."

"However, if the exchange is stopped, what about the salt tickets?" The old man was a little reluctant.

Su Mu: "Salt tickets cannot be invalidated. In the final analysis, this thing is linked to salt. However, there are other ways to link it. It is just a guarantee to maintain its credit. Now that the credit has been established, there is no need to directly exchange salt. Moreover, when appropriate, the adults can also increase and reduce the amount of official salt exchange, so that the exchange of salt tickets is unprofitable and returns to normal value. The reason is just to find one. For example, the quality of official salt has been greatly improved compared to before. Don’t add sand, now a catty of salt is equivalent to a catty of three taels in the past...Anyway, we hold the final right of interpretation.”

Mr. Wu couldn't understand what Su Mu said, so he just nodded repeatedly: "Su Mu, I'm sure of everything you said. By the way, let's figure out how to write this note. I plan to explain it this month first. One million taels of silver will be sent to the capital to reassure the imperial court."

Su Mu: "Don't worry, just wait another month and send the 300 million taels together."

Wu Juren smiled gratifiedly: "Okay, let's do it like this. When the time comes, I don't know how the court and His Majesty will be happy."

After writing the notebook, a book office sent a picture to Su Mu.

Su Mu saw that the signature was actually the group of salt lords Bai Boss and Xie Jiuwu.

Su Mu: "Maybe we don't have to wait another month! My lord, I have to take my leave."

What this group of salt lords asked Su Mu to do, they didn't need to think about it at all, they came here for the salt ticket.

Last time, Boss Bai and Xie Jiuwu each paid tens of thousands of taels of silver to support them. After they got down, they were not seen to add salt.In fact, compared to the profit of salt tickets, smuggling salt is more profitable, and it doesn't have to be as troublesome as queuing.

This time, when he came to look for Su Mu, he must have seen the convenience of using salt tickets and wanted to buy some more.

Su Mu secretly laughed in his heart: If these gangsters really want to buy a ticket, they can just go to the bank directly, there is no need to make such a trouble.

That's fine, with the support of this group of salt owls who have so much money in their hands, it's enough to make up the real relief money.

Up to now, salt tickets can finally be used as cash.

After the establishment of the credit system, the next step is to talk about seigniorage.