A new business suddenly appeared on Zhuque Street in Chang'an City.
The two huge stone lions at the entrance are only slightly smaller than those at the entrance of Tai Chi Palace.
None of the other prince's families have as big a business as this one.
There were two rows of black-clad guards at the door, all carrying horizontal knives.
All of them have faces full of flesh, and their appearance makes them look like they are not good people.
"Whose business is this?
It's so grand.
I don't know which noble family it belongs to.
It's a pity that it's in such a good location."
Shopkeeper Huang, who was selling rice, said with his hands folded.
"That's right.
Such a grand ostentation must be a business of a noble person.
I just don't know why."
The person who spoke was the shopkeeper Zhang of the silk shop.
"Yes, yes," several shopkeepers nearby said with smiles.
Occupying a prime location, open such a business.
It has been two days since the business opened, but not a single customer has come to the door.
Except for those nobles with deep pockets and poor brains, no one else does this.
While several people were talking, a young man suddenly walked over.
Holding a thick stack of paper in his hand, he immediately clasped his fists and cupped his hands when he saw the shopkeepers and said with a smile: "Guys, the business is newly opened and welcomes your patronage."
After saying that, he stuffed the paper in his hand to the shopkeepers.
"Oh, the kraft paper from the Yun family.
A roll of this paper costs two guan, so just give it away."
Shopkeeper Zhang looked at the paper in his hand and immediately cried out.
"Loan discount, monthly interest rate is 0.2% per thousand.
Two cents interest is such a good thing."
Shopkeeper Huang's eyes widened, loan sharking was rampant in Chang'an City.
Five cents of profit is already a kind person, but two cents of profit is simply a free gift.
"This bank also undertakes deposit exchange business, which means that you will earn interest when you deposit your money in the bank.
The amount of interest depends on the amount of money you deposit.
You can discuss this with my shopkeeper.
If you go to purchase goods from other places, As long as you bring the bank certificate, you can withdraw money from the local bank.
From now on, you no longer have to carry carts of copper coins to other places to buy."
The young man said with a smile.
"What you said, Qianzhuang, is true."
Shopkeeper Zhang's eyes lit up.
He goes to Jiangnan every year to buy silk.
Pulling cartloads of copper coins, you also have to worry about bandits and bandits on the road.
Now that there is such a good thing, it's natural to have stars in your eyes.
"Absolutely, the bank is the business of my Duke of Chu.
The reputation is guaranteed.
Now Yuezhou, Yangzhou, Jiangning and other prosperous and prosperous places in the south of the Yangtze River have bank branches.
Not to mention places like Luoyang, even Qinzhou , Zhuozhou, and Shuzhong also have bank branches.
Just keep it in your heart."
After the young man finished speaking, he cupped his hands and continued to distribute the leaflets with the same size and neat handwriting.
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The young man's words made several shopkeepers look at each other.
Help yourself keep the money and return the money to yourself.
This good thing can hit you in the head.
"The business of the Duke of Chu, it seems that Lintong is the fiefdom of the Duke of Chu.
It is the richest place in the world.
If anyone in the Tang Dynasty is short of money, the Duke of Chu will not be short of money."
"Yes, every time I go to Lintong to purchase goods, I can see people depositing money in Wang Qianzhuang.
I thought it was only available in Lintong, but I didn't expect it to be found in Chang'an as well.
I really want to give it a try."
"Brother, don't reveal your money, just in case" A group of shopkeepers were talking when they suddenly saw an old man who looked like a country farmer entering the bank carrying a bag of copper coins.
After a while, I came out and the money bag on my shoulder was gone.
Looking refreshed "This old brother, you just went to the bank to deposit money."
Shopkeeper Huang stopped the old man and asked.
"That's right, the old man didn't ride in a car or ride a donkey.
The three pieces of money are more than twenty kilograms.
You let the old man carry them back to Lintong."
Although the old man was dressed in ordinary clothes, he was not afraid of these luxuriously dressed shopkeepers at all.
As soon as he spoke, the shopkeepers knew that he was from Lintong.
Since Lintong became the fiefdom of the Duke of Chu and factories were built one after another, the people of Lintong did not look down upon the people of Chang'an.
In the past, if a young man from Lintong could marry a daughter-in-law from Chang'an City, it would be a blessing.
Nowadays, if a daughter-in-law in Chang'an City wants to marry someone in Lintong, she has to make a selection.
Wealth makes Lintong people confident, and people with average energy and spirit cannot imitate that.
"It's really safe to keep this money in the bank," several shopkeepers asked in unison.
"It can really be exchanged for copper coins elsewhere."
It was shopkeeper Zhang who asked this question.
He would soon go to Jiangnan again.
It would be of great benefit to him to ask this question clearly.
Not to mention anything else, you will save a lot on shipping costs alone.
"Is it true that my Duke of Chu's reputation is still fake?
The old man has the bank's credentials in his hand, and he can exchange them for copper coins when he returns to Lintong."
The old man rolled his eyes at these richly dressed country buffoons, and looked at one of them who looked like a dog. , the knowledge is not as good as that of an old country man.
"Yes, it's the reputation of Duke Chu.
Of course it's safe.
Of course it's safe."
Seeing that the old guy was about to fall out, the shopkeepers hurriedly apologized.
There was no way they could offend the Duke of Chu.
The old man left, but the shopkeepers returned to their respective businesses with their own concerns.
They all do business on the same street, and everyone has their own difficulties.
I saw many people coming in and out of the bank all morning.
Many people came to deposit money, but some people didn't seem to be here to deposit money.
When they left, there was a shopkeeper wearing silk clothes who gave it away.
Shopkeeper Huang couldn't sit still.
He made a huge profit from the sharp increase in food prices last year.
But the price of grain in the hands of farmers has also increased.
In order to purchase grain, he had to borrow usury.
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That's a six-cent profit, or a compound profit.
Now that the day of repayment has arrived, food prices have not improved this year.
Potatoes and corn are grown all over the world, and the yields are astonishing.
The potatoes in Sanyuan County were piled up like mountains, and they were all grains.
Seeing this scene, Shopkeeper Huang felt like crying.
Although potatoes are nauseating after eating for a long time, poor people don't care about this.
They are better than green vegetables.
If someone else's money is delayed for a few days, it might be possible to get over it after careful discussion.
But the usury money in Pi Guogong's house is so easy to talk to.
The steward of Pi Guogong's house came to him two days ago and he spoke harshly.
If the money is still not paid at that time, the shop will be used to pay off the debt.
My conscience, I only borrowed 500 guan, but I have to pay back 800 guan in one year.
How can one live like this?
Seeing the people coming in and out of the bank, shopkeeper Huang was worried.
The worst case scenario is that the fish is dead and the net is broken.
Since I have no way to survive, I just have to try my best.
I chose a lunch time period.
It was estimated that everyone would be having lunch at this time, so I would not be seen by acquaintances when I went to the bank.
Sliding along the wall, looking around, he looked like a thief even if he wasn't stealing.
When he arrived at the door of the bank, he rushed in quickly, as if there was a wolf chasing him behind him.
The lobby of the bank is very grand, with several tables and chairs on the left.
There are small rooms on the right.
With the door closed, you can’t see what is going on inside.
In the middle is a marble counter, much like a pawn shop but not as high as a pawn shop counter.
There is a row of chairs in front of the counter, and behind the counter are young people.
"Sir, what kind of business do you want to handle?"
A fat middle-aged man appeared in front of shopkeeper Huang who didn't know what to do with a big smile.
"Well, I want to borrow money.
It's really the two-cent profit mentioned above."
Shopkeeper Huang shook the leaflet in his hand.
"It turns out it's a loan.
Please come with me here.
Xiao Wang, watch the tea."
The middle-aged man greeted and took shopkeeper Huang to the small room next to him.
A waiter immediately brought tea.
The golden tea soup is fragrant, which is good at first sight.
Lao Zhang went to Lintong to purchase some drinks and was given a small pack as a gift.
He blew it eighty times when he came back.
I didn’t expect that today, I would be able to taste it myself.
"Haha, I'm Ling Jing, you can call me Shopkeeper Ling.
The bank is the business of Duke Chu, so you can rest assured.
The interest is two cents, and it's two cents per year, not monthly."
Ling Jing said to Shopkeeper Huang with a smile. .
Shopkeeper Huang walked around and found that the small room was not big.
This made him feel a little depressed "You don't have to mind, this is to protect your privacy.
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When you go out for a while, you can go through the back door if you want.
Although I can't guarantee that no one will know that you have been here.
But I can definitely guarantee that what you say here will not Side story."
Ling Jing explained with a smile when he saw Shopkeeper Huang's appearance.
These words immediately made Shopkeeper Huang feel good about this fat man with a nice smile.
This is true consideration for the guests, unlike the steward of Pi Guogong's house, whose borrowing of money was known to half of Chang'an City by him.
Many people do business with them on credit, and now they have to pay in cash.
"Shopkeeper Ling, you're so polite.
I'm the shopkeeper of Huang's rice shop on the street.
Because I owe us usurious money from Pi Guogong's mansion, I have to come to you for a discussion.
Can I borrow 800 guan to help me make some money?
, If you are willing to help me, I will be very grateful."
Shopkeeper Huang cupped his hands, and if he could borrow money, he would be willing to kneel down now.
"Oh, eight hundred dollars, it's not a big amount.
I don't know if Shopkeeper Huang has any collateral.
You know, all these loans require collateral."
Ling Jing took a sip of tea and said to Shopkeeper Huang.
"Do you have my store that can be used as a mortgage?"
Shopkeeper Huang said immediately.
Anyway, the store has been mortgaged to the Duke of Pi.
Even if you take out another mortgage, it’s not a big deal.
"As far as I know, you have mortgaged the shop to the Duke of Pi.
Moreover, your shop is worth a thousand guan.
What do you think of this?
The principal and interest you owe to the Duke of Pi is 800 guan, and the bank will represent you on your behalf.
Pay it back.
The bank here will give you another 200 yuan for turnover, what do you think?"
Ling Jing thought for a while and said.
"Two points of annual profit," Shopkeeper Huang asked doubtfully.
"A child with two points cannot be bullied" "Zhongzhongzhong" Shopkeeper Huang was so happy that snot bubbles came out of his nose.
This time he not only paid off the debt to the King of Hell.
With an extra two hundred dollars in turnover, the pie finally fell from the sky, and it was pure beef filling.
As for the two-cent annual profit, he didn't take it to heart at all.
The interest is only a dozen dollars a year, and this price cannot be more generous.
"Please wait a moment."
Ling Jing reached out to greet the boy outside, and soon the boy brought two contracts.
They are all made of the best kraft paper from the Yun family, and the words on them are also in beautiful printing.
After filling in the amount in the blank space, Ling Jing placed the contract in front of Shopkeeper Huang.
"Shopkeeper Huang, if you sign this contract, you can get two hundred dollars.
And we will be responsible for delivering the money to your house."
Ling Jing pushed the contract.
Shopkeeper Huang picked up the contract and looked at it carefully.
His eyes could see the coils of mosquito coils, and he couldn't see any of them that was disadvantageous to him.
It can be said that everything is considered for oneself.
What are you waiting for?
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Without saying a word, he took the brush and signed his name where Ling Jing pointed.
I also used ink pads and took fingerprints to feel at ease.
"As you drink tea, someone will prepare the money.
You and the money will go home in a while."
Ling Jing said with a smile.
"Thank you very much."
Shopkeeper Huang felt refreshed and took a sip of tea, feeling the fragrance lingering in his teeth.
This stuff from the Yun family is really good.
Not long after, a big man came over and reported that the money was ready.
Ling Jing immediately walked out with Shopkeeper Huang.
Shopkeeper Huang was stunned just after he left.
Because he saw shopkeeper Zhang who had just come in at the door.
After the two were stunned for a moment, they both smiled awkwardly and held hands together as a greeting.
There was a carriage outside the door, pulling twenty bags full of copper coins.
One bag is worth ten guan, and twenty bags are exactly 200 guan.
Seven or eight guards escorted 200 Guanqian and followed Shopkeeper Huang back to Mipu.
As soon as the happy shopkeeper Huang entered the door, he saw the dead face of Pi Guogong's steward.
"Hey, shopkeeper Huang, how come you are rich?
You owe my father-in-law eight hundred dollars in principal and interest.
You should pay it back, right?"
"If you owe money, you have to pay it back.
The steward can go to the bank with me, and the eight hundred dollars will be handed over immediately."
Shopkeeper Huang was about to speak when Ling Jing suddenly stood up from behind him.
"Who are you, Qianzhuang?"
the manager shouted sternly.
Seeing Shopkeeper Huang bringing back the copper coins, he felt something was wrong.
Now that I saw the bank manager, I was even more frightened.
He didn't care about the principal and interest of the eight hundred guan, what he wanted was this shop.
Shopkeeper Huang's shop is on Zhuque Street, and its estimated value is at least one thousand guan.
If it is used for business, the income of several hundred dollars a year should not be a problem.
It was because I was optimistic about this shop that I lent money to Shopkeeper Huang.
Seeing that good things are about to happen, he will also be rewarded by his master.
But unexpectedly, a bank of some kind was inserted into it.
But I want to see who is going to harm my good deeds.
"Haha, I'm Ling Jing, the big shopkeeper of the bank.
Shopkeeper Huang owes you 800 yuan in principal and interest, and the bank will repay it on your behalf.
Steward, if you want money, just follow me to the bank.
I'll give you the money immediately.
If you're a manager, If it’s not convenient, you can also send it to Duke Pi’s Mansion, but I think there are still carriages at Duke Pi’s Mansion.”
Ling Jing's words to the manager were far less polite than to Shopkeeper Huang.
Shopkeeper Huang on the side couldn't help but straighten his waist a little after hearing this.
With the backing of a banker, I am no longer afraid of blackmail from this manager: