The Happy Life of Small Officials in Northern Song Dynasty

The common people thought that the Yinzhuang opened by Su Jieyuan was for selling food or goods, and they were full of anticipation to see what it was selling, but when they entered the door, they found that there were no sentimental goods, and the whole shop was empty. It is not the layout of the pavement for doing business at all. om

However, in the spacious shop, there are magnificent and magnificent frames, the ground is polished to a watery terrazzo, and the walls are pasted with expensive glass squares, which are as high as a person. The upper part is embedded with small white marble stones. There are several huge splash-ink landscape paintings hanging on the whitewashed walls, which look majestic and elegant.

Look again at the end of the open space against the wall, with more than a dozen large mahogany chairs, and a small coffee table between every two chairs. Teapots, tea cups and other things are placed in the wooden tray on the coffee table.

Seeing this, some people suddenly realized: "It turns out that Su Jieyuan opened a high-end tea house, ho! Look at this style, drinking a bowl of tea here must cost tens of pennies, this is not for us street people to enjoy Here, we’d better go to the tea shop at Old Wangtou on the corner of the street, a pot of tea for ten renminbi, plus two big cooking cakes..."

"Nonsense, how could it be a tea house? Didn't you see the row of counters opposite?"

It turns out that the sharp-eyed people have already seen the row of counters opposite, but this counter is different from ordinary shops. Above the half-person-high bluestone counter, there is an iron fence as thick as a thumb to the roof to separate it from the outside world before entering the door. When I first saw it, I thought it was someone's inner hall, but now I realized that there were three or four guys in blue robes sitting behind the fence of the counter with the Su mark plate pinned to their chests.

"What kind of business is this? The counter is separated by a fence. It looks like a pawn shop, but the pawn shop doesn't have such a big ostentation? The counter of the pawn shop is also higher than this, so it doesn't need such a big front door?" Can't figure it out.

More and more people came in, and everyone was asking questions endlessly. At this moment, Qian Henian, the shopkeeper of Yinzhuang, opened the iron door on the side of the counter and walked out with a stack of red notices on his arm. "Fathers and elders, I, Su Ji, took advantage of the treasure land of the capital to open Huitong Yinzhuang to benefit the common people. I am Qian Henian, the shopkeeper of Huitong Yinzhuang. "

All the people asked one after another: "Treasurer Qian, what is your Yinzhuang doing? We look like a tea house, a pawn shop, and a hall where Su Jieyuan receives guests."

Qian Henian laughed and said, "Tea house? Pawn shop? You guys really know how to joke. Which tea house pawn shop has such a grand style? Look at the decoration and layout of this water. To tell you the truth, it's just the storefront. It took nearly 20 guan to take care of it."

Everyone clicked their tongues like a frying pan, and someone sighed: "It's a pity that more than 20 yuan was spent on this."

Qian Henian smiled and said: "It's not a pity. I, Huitong Yinzhuang, have strong strength, and I don't care about this little money. The most important thing is to make money for you. Then my big boss will be happy no matter how much money he spends."

Everyone was aroused, and asked one after another: "Could it be that your family opened a shop to benefit our people?"

Qian Henian asked several staff members to distribute the notice in their hands, and said: "It is clearly written in the notice, what I do for Huitong Yinzhuang, and how it is good for you, it is clearly written, everyone, take a good look. Ask if you don’t understand, and it’s not too late to act if you ask clearly.”

Hundreds of notices were distributed one after another, and those who didn't get them met with each other to look at them. Someone read aloud: "The coins deposited in Huitong Yinzhuang will be based on the amount, the length of time, and the level of enjoyment. The interest can be deposited and withdrawn at any time, and the child is deceived. With the bill shown in the bank, it can be deposited and withdrawn at any bank opened by me in Su Jin..."

"Impossible, money will make money if you put it here?" someone questioned.

"I don't want to do it, everyone has saved all the money with you, if you come to abscond with the money, don't we cry to death?" Some people were worried.

"Also, according to what you said, if we deposit money in your bank and withdraw it later, you will pay more interest. Then your bank has lost its capital, and it is open to do business in order to lose money. Isn’t it nonsense? Do you think we are fools? There must be tricks.”

"..."

"..."

Qian Henian smiled and waited for everyone to ask all the questions in their hearts, and then he said kindly: "Everyone, your worries are justified. If it were me, I just realized that the operation of Yinzhuang is also related to you. The same worry, but everyone, please look at the plaque of "Huitong Tianxia" bestowed by the emperor, and then look at the big handwriting of my Suji Yinzhuang, and you will know that my Suji Huitong Yinzhuang is what you think to deceive you. Scattering money and silver to commit crimes?"

Everyone witnessed the plaque bestowed by the emperor and the magnificent decoration of Yinzhuang, and they had to admit that they seemed to be a little bit weak.

Qian Henian continued: "Everyone does not know, my Yinzhuang is actually mainly responsible for the exchange of money between the imperial court and various big merchants. I am not afraid of exchanging hundreds of thousands and millions of money and silver from the imperial court through the hands of Huitong. Those of you who have tens of thousands of crowns are afraid, so it makes no sense; the plaque of "Huitong Tianxia" bestowed by the emperor is equivalent to clearly stating the main business of our Yinzhuang; Safe place, this is why I added this item to keep these coins properly for you, and at the same time gather less to make more, you can use these money to do some business for you, and the money earned is distributed to everyone as interest, my bank It's just doing business for you, not losing money as you said."

Only then did everyone suddenly realize that Emotional Huitong Yinzhuang is to gather everyone's money to do business, and then share the interest with everyone. B travel through novels: sj131netb

"What if we lose money? Isn't part of our money going to be deducted?" Someone asked worriedly.

Qian Henian smiled and said: "You take the fixed ones. It's my bank's business to make money and lose money. If I make a lot of money, my bank also makes some profits. If I lose money, it's my Su Ji's incompetence. It has nothing to do with you. I can't understand it more clearly. If you still don't believe me, just pretend that I, Qian Henian, didn't say that you are willing to hold the money in your hands, and there is nothing you can do to prevent the gentlemen on the beam from patronizing us; my big boss has good intentions, and you don't appreciate it. Forget it, don't make wild suspicions, and let down the wishes of my big boss."

Su Jin stayed in the VIP room on the second floor, watched the movement below through a small window, and secretly praised Qian Henian for speaking decently and being good at grasping everyone's psychology; To gradually open a semicolon, you must have the support of private funds, otherwise your own capital chain will definitely not be able to keep up; do not underestimate the scale of private idle money and silver, assuming 20 residents in Bianliang, each household deposits Baiguan is a huge amount of 1000 million yuan, which is a huge sum of money. With the addition of 1000 million yuan, the operation of Yinzhuang will be more than enough.

But the common people generally have a characteristic, the more you persuade them, the more suspicious they become; therefore, Qian Henian used exactly this trick to deal with them. He Nian is indeed his right-hand man.

The common people are still hesitant, all of this is in Su Jin's calculations, the fruit is delicious and the tree is hard to plant, and new things need extraordinary measures to make it happen. Su Jin made a gesture to a young man standing beside him, The little guy came downstairs quietly and quietly disappeared into the crowd.

After a while, a large cart drove up from the south entrance of Bianshuihe Street, and several companions yelled loudly: "Make way! Make way! My master came to Huitong Yinzhuang to save money and benefit."

The people who were hesitating got out of the way one after another, stretched their necks and stared at them, but they saw the carriage stopped in front of the gate of Yinzhuang, and a chubby old man got out of the carriage. Shopkeeper Zhao, who sells groceries on Menmen Street, is famous for being stingy on Nanmen Street. When everyone saw him, they couldn't believe their eyes.

"It is said that this old man is worried about his son, who is the deputy commander of the imperial guards. He insists on locking the copper coins in the room where he sleeps. Why is he so relieved to deposit the money here now? Is this the sun coming out from the west? ?”

Under the doubtful eyes of everyone, the companions lifted a heavy wooden box, and the staff in Yinzhuang also hurried up to help, and carried it straight to the counter.

A clerk politely invited shopkeeper Zhao to the side to do it, brewed tea, and counted the copper coins in front of him. After a short while, Qian Henian asked shopkeeper Sun to come to the counter and ordered the others to leave. Ten steps, let the shopkeeper Zhao write down a sentence that only he knows, and hand it into the counter; the counter clerk immediately shrank into an iron box, and issued a five thousand guan bill, seven or eight clerks at the counter took turns He took out a seal from his bosom and stamped it on. Finally, shopkeeper Qian stamped his own big seal, blew the ink pad, and respectfully handed it to shopkeeper Sun after it dried.

"Shopkeeper Zhao, always take the receipt and remember the sentence you wrote. You can use this receipt and the coded words to receive money at any time in the future; , that is to say, you can collect five hundred cash in interest every day."

Shopkeeper Zhao said with a smile: "Please calculate and save until the first day of this year, how much profit will you make?"

Qian Henian greeted the clerk at the counter and said, "Let's do the math for Shopkeeper Sun."

A clerk agreed, scratched the abacus for a while, and said in a loud voice: "There are 260 seven days until the first day, with a daily profit of 130 cash, and a total of [-] three pens and another [-] cash in interest... ..."

The common people were dumbfounded, they saved 130 guan, and at the end of the year, they could get more than [-] guan interest. This is simply a big cake that fell from the sky. Take the money, where can I find such a good thing?

Shopkeeper Zhao laughed loudly, carefully folded the deposit and stuffed it into his inner pocket, and said with a smile: "Who says money can't have sons, but our five thousand coins will give birth to a lot of sons. I have deposited all the money and silver in my family in Guizhuang, so that I will not have to worry about food and drink for the elderly.”

Qian Henian chuckled, cupped his hands and sent shopkeeper Zhao out of the door, watching him get into the car and leave.

Su Jin was watching Dale in the attic, Zhao Dehai seemed to have put a lot of thought into getting his stingy old man to be the first to make a deposit, and I am afraid that Zhao Dehai also subsidized a lot of private money.

The next one is Fang Chengzhong's old man, right? Once these two native-born and old nurses come to the door, will they still waste their words?Su Jinmei took a sip of hot tea and raised her legs.

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