3200 are added to the update, thank you for subscribing, rewarding, thank you for your monthly pass and recommendation ticket The next day, after Zhang Chao got up and practiced swords and guns, he rode a horse and took the gold to Chang'an.
There were no banks or silver numbers in Chang'an City, not even money banks and pawnshops, and to exchange gold, you had to go to gold shops or jewelry shops, all of which were engaged in dumping, casting, and exchanging businesses.
Some big-name and time-honored brands, because of their good reputation, have even begun to operate custody and lending businesses.
It seems that this is the origin of the bank in history.
The gold shops took the gold that their customers had deposited and kept for money, and even developed banknotes.
It was not until a later period that the Tang Dynasty saw the emergence of cabinet shops, which were dedicated to keeping money and grain for others, and gradually engaged in mortgage lending and foreign exchange.
But now, the cabinet shop has not yet appeared, and it is still the bald masters of the major monasteries who engage in mortgage lending, and some gold and silver shops have also begun to engage in this kind of business.
Zhang Chao took the gold and found a famous gold shop in the West Market, and the Cui family also had a gold and silver shop, which also did exchange business, but Zhang Chao was now preparing to attack this store, so he didn't go.
The shopkeeper of the gold shop was still very polite, and when he heard that Zhang Chao was going to exchange three hundred taels of gold, he was even more enthusiastic.
It's just that Zhang Chao is a little unhappy, and he charges a high handling fee for the exchange.
These gold shops are all pits, and even if they deposit money with them, they have to charge a storage fee.
These gold shops really don't make money, they have to charge a handling fee for exchange, a processing fee for processing, a storage fee for depositing money, and an interest fee for borrowing money.
Zhang Chao's gold came out of the treasury of the palace, and there were marks on it, and the fineness was very sufficient.
However, for such gold, you have to show a document to prove where the gold came from, otherwise, the gold shop will not dare to accept it.
Zhang Chaonaturally has a paperwork.
"The gold is of very good condition, and whether it is to be exchanged for silk or money for silk is one tael of gold for forty horses of silk, and one tael of gold for eight thousand dollars.
We have to charge two cents for the silk, and one more for the money. ” Fees are as high as 2% and 3%, and there is no upper limit.
It's just unreasonable.
However, it should be redeemed, and Zhang Chao could not take the gold and cut it to pay for the goods.
"It's all made of silk."
There is a handling fee of one percent more for exchanging copper coins, and Zhang Chao thinks about it and feels that his store collects a lot of copper coins every day, which is completely sufficient.
Otherwise, the next time he takes the copper money to change it, he will have to pay a handling fee.
Because the price of grain and other major prices have dropped a lot, the price of silk has now dropped from 500 yuan per horse to 200 yuan.
One hundred taels of gold were exchanged for four thousand pieces of silk, weighing three thousand catties, and Zhang Chao had to pay a handling fee of eighty pieces of silk, which was equivalent to 16,000 yuan.
It's distressing to think about, but if you exchange it, it will shrink by two percent.
It is worthy of being a financial person, and he has clever means of grabbing money.
Zhang Chao felt that if he took over the gold and silver shop of Thirteen Niang in the future, it would be promising.
Save money to charge custody fees, and then charge interest fees when you can lend it out, especially in these years, the interest is too high, and the official interest is close to 100%.
No wonder the family since the Han Dynasty is so powerful, they have land, and money, land rent and grain, money lending and interest, high rent and high interest, hundreds of people for them to suck blood, life is indeed chic.
Zhang Chao originally thought that he could make a profit of three or four percent at the beginning of selling a pastry, which was already very high.
But he was wrong, people don't have to do any business, just lend money, and there will be a profit of 1,200 percent, even if the loss of some bad debts is removed, the profit will be more than doubled.
What kind of business can have such a high profit It is estimated that only after the Tang Dynasty imposed a heavy tax on salt, the sale of smuggled salt can have this benefit.
But the sale of smuggled salt will be beheaded, but it is legal to lend money to collect interest.
It's better to buy land and collect rent and then lend money.
More than 4,000 horses loaded four carts, and the old cow, the eldest cow, the second cow, the father and the son, and the third also came to catch the cart today.
Zhang Chao went to a few shops to go around, the business was not bad, it was already very stable, with a fixed customer flow, and there were many repeat customers.
The location of the five stores in Chang'an City is very good, one is in the bustling West Market, the businessmen who do business, the people who buy goods, and Zhang Chao's cake shop, queue up every day.
Zhangjia Cake Shop is no longer just selling cakes, in fact, now the old iron gun cake shop supplies a variety of noodles every day, because of profit reasons, the quantity of steamed buns and steamed buns has been reduced, and the supply of meat buns and fritters has not been increased.
Nowadays, there are more delicatessen stalls in the store, which is the most popular, although it is not as large as the steamed buns, but it is aimed at merchants and some wealthy people, so the profit is still very high.
If it weren't for the steamed buns that could still bring tens of thousands of profits to Zhang Chao every day, and at the same time give the villagers a chance to make money, he would have stopped the project a long time ago.
After checking the accounts, there was no problem, and Zhang Chao took away the copper coins in the store.
The business in the store is all small cash flow, and all the money received is copper coins, and boxes are piled up there, all of which are strung together.
Zhang Chao didn't collect any money, and directly weighed it, and each piece was six catties and four taels, calculated by weight.
Ma Zhou proposed to Zhang Chao that Chang'an has three gates on each of the other three sides except for the north where the palace is located, and now the Zhang family has only built shops outside the four city gates, and it is completely possible to build shops in the other five gates.
This proposal is good, but since Zhang Chao ingeniously set up a shop outside the city gate, there have been many smart people who have followed suit and quickly followed suit.
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Now in Chang'an City, a few hundred steps away from each city gate, a number of shops have been erected.
Because the world is gradually unified, Chang'an is no longer threatened by war, and there is no need to demolish the shops outside the city gate, but they are preserved.
It's just that the government has set a red line, and no sheds can be built within 200 steps from the city gate.
Out of this distance, at will, the yamen will come to register and collect money regularly, and the rest will not be left alone.
Those newly built shops, which sold porridge and tea, as well as wine and vegetables, are no longer as good as they were at the beginning.
Zhang Chao also had no intention of investing in building a shop, but he asked the construction team to come here to attract a lot of business to build a shop, and he took the opportunity to get a piece of the pie.
Pulling a few silks back to the village, Zhang Chao went to Zhaojiazhuang again without resting.
Zhao Yuanwai was at home, and welcomed the Zhang family into the living room with a smile.
"The last time Saburo came, I happened to be not at home, but I was sluggish."
Zhao Yuanwai said with a smile while pouring tea for Zhang Chao.
"Well, that time was entertained by Siniang, and it was very thoughtful." didn't see Zhao Siniang, Zhang Chao was a little faintly lost, after seeing Zhao Siniang twice, he still admired this woman in his heart.
On the way here, he was still looking forward to seeing her again and chatting with her. didn't see Zhao Siniang, Zhang Chao didn't have much interest in staying longer.
He went straight to the point and proposed to buy a batch of grain, Zhangjiagou workshop now has more than 500 employees and apprentices, and the food for meals on weekdays has already been purchased, and today Zhang Yue came to buy food for the employees to pay salaries.
Because it was said early that it was good to distribute food, this is the first time that the salary is paid, and it takes a lot.
The standard monthly salary for regular employees is six buckets of grain, while the standard salary for apprentices is two and a half buckets a month, but it is necessary to count the salaries of managers, as well as give them full attendance bonuses, performance awards, etc.
Originally, Zhang Chao told everyone that the monthly settlement of formal employees and the annual settlement of apprentices.
But after thinking about it, everyone is also very hard, if they are all paid every month, it is estimated that everyone can work more diligently.
"Five hundred stone millet, no problem.
Saburo doesn't need to come in person, send someone to say hello and I'll have someone send it. ” "The last time I bought 500 stone corn temporarily, I was talking about a 95% discount, and I hope to get this discount this time."
"This is a bit embarrassing, it is already very affordable to get 98% off.
Recently, there has been a war in Kanto again, and it is approaching the end of the year, and the price of grain in Beijing has also begun to rise. ” Zhang Chao thought about it, and there was some truth in this.
Because of the Kwantung War, especially because of the annihilation of the two armies of the imperial court, these bad news and the weather is getting colder, and there is no longer any grain entering Beijing in the southeast, so the price of food in Chang'an has begun to rise again.
It's not going up, but it's rising.
"Then ninety-six, if Uncle Zhao is unwilling, then forget it, I'll find other grain stores, after all, I'm not in the amount we agreed."
"San Lang is not in a hurry, it's easy to say.
In this way, we will each give a step, I will give you a ninety-seven discount, and in the future, if you need food beyond the amount we agreed to purchase, I will give you a ninety-seventy discount."
"Okay, five hundred stone millet, you ask the grain store to send grain to Zhuangzi, and it will be delivered today.
As for me, I have already prepared the silk, and I will pay the full amount when the food arrives.
I won't bother much, farewell" "Butler, send Saburo on my behalf."
After leaving Zhaojiazhuang, Zhang Chao did not return the same way, but went directly to the east and to the bathing ditch.
There is a small road here, which can go straight to the bottom of the ditch, because it is winter, the bathing ditch has been cut off, and there are only a few large blisters left, which can be directly crossed through the ditch to return to Zhang's house.
The piece of land next to the ditch slope originally belonged to the Zhao family, and now it belongs to the Zhang family.
The weather is cold, and the wheat seedlings in the field grow a plate, but for the croppers, this is a good thing.
If the growth is too good, then the wheat seedlings will not survive this cold winter, and they will have to spend effort to suppress it.
Now this is very good, it saves effort, and the wheat seedlings can survive the winter safely.
At the head of the field, a group of craftsmen were braving the cold wind to dig wells.
The day has not yet reached the coldest time, and the soil has not yet frozen hard, so it is also appropriate to dig a well at this time.
Originally, there were three well-digging teams, but some of them went to fight and deliver food, so the last remaining people formed a new team and continued to work.
Zhang Yu went to say hello, and then prepared to go down the ditch, when two people came from the opposite side, but it was Zhao Siniang riding a mule, followed by a maid ring.
"Hey, how did you get from there?"
"Did you come out of my house?"
The two men spoke several steps apart, almost at the same time.
After saying that, both of them laughed.
"Go to your house and buy five hundred stone of grain."
"Let's go to the ditch."
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Again, in unison.
Then both of them stopped talking, both waiting for the other to speak first.
"Say it."
Zhao Siniang said with a smile, she smiled beautifully, and her voice was also very good.
"What are you going to do in the ditch" "I heard that you sold these ten miles of barren ditches and barren slopes for one million, I think it's quite strange, so I came to see if there was any treasure here."
Zhao Siniang said.
"I bought this place and planned to build a dam and build a reservoir to raise ducks."
Zhang Chao replied with a smile.
S: I was very angry when I saw someone swiping a one-star review today.
If you don't like it, then the upper right corner is crossed, and it's enough to give a two- or three-star evaluation, but I have to give one star, and I found that I still haven't subscribed to one star, and I haven't seen the D version or haven't seen it at all, but I came to brush up on bad reviews t1706231537: