Chapter 520 Bank
Everyone looked at each other, which meant that they would give Chen Yuan 10% of their profits to each other every time in the future, and they would get 10% by one person. Now there are 30 people here, which means that Chen Yuan's income will be higher than all of them, and even twice or three times higher than some people. They calculated this account very well, but if Chen Yuan could really be fair and just, the money would be fair.
Moreover, under such a mechanism, the faster the chamber of commerce develops and the more businessmen it attracts, the higher the income of Chen Yuan. This will prompt Chen Yuan to wholeheartedly develop the chamber of commerce, which will be no harm to everyone.
Manager Zhang looked at Renzong and Chen Yuan, looking at him as if he wanted to speak but stopped. Chen Yuan saw his face: "Manager Zhang, if you have something to say, it's okay."
After hearing this, Renzong smiled: "I came today to see how you held a meeting and discuss some things. Not only this time, I will send someone to you every time you hold a meeting in the future. You don't have to be restrained. As long as you violate the law and discipline, I will never interfere."
The shopkeeper Zhang then said, "Mr. Prince, I want to ask, is this chamber of commerce unable to go out after entering?"
Chen Yuan shook his head: "No, you can come in at any time and go out at any time. How much money did you pay when you enter the chamber of commerce? I will give you the right amount when you exit. Of course, you can also let me leave at any time. If you think I am not doing well, as long as more than 70% of the merchants jointly ask me to leave, I will leave immediately. I have someone to write these specific terms. We will write them later. We will make a copy of each person. Long live to do an appraisal here personally, and no one can afford to lose it."
Everyone was relieved when they arrived here. The problem they were most worried about finally passed. A few of them were quite conscientious and immediately asked: "Mr. Prince Consort, how do you know how much we have made in a year?"
Chen Yuan smiled: "This question is good. Everyone, I want to ask you too, is it a bit too troublesome to bring a lot of copper coins every time you trade?"
He said here, everyone could not help but nodded, and Chen Yuan turned around and took out another sign: "This is the second thing I want to tell you in front of Long Live today, Bank."
Everyone is obviously unfamiliar with the word bank. Chen Yuan continued to explain: "It's the current money house. But it is no longer a normal deal of repaying money or redeeming money. The bank I want to establish can take the accounts for everyone. For example, after you have done a deal in Guangzhou, there is no need to bring the money back to Bianjing. I will give you a certificate of deposit. You will take the certificate of deposit back to Bianjing and hand the certificate of deposit to the Bianjing semicolon, and you will withdraw cash immediately. I will open a semicolon in every state of the Song Dynasty to provide convenience for you. Also, when your funds are in trouble, I can provide you with loans, of course, this will charge a certain amount of interest."
These merchants were not surprised. Some money shops in the Song Dynasty had already started to do these two businesses, but they were very small and there were not many places where they could save and exchange money. The most important thing was that they only did acquaintances.
Chen Yuan was just doing business with acquaintances at the beginning, and only merchants from the chamber of commerce could deposit money and exchange money in the bank.
The reason is very simple. He must first create a certificate of deposit that can prevent others from forging, so that he can launch his own business on a large scale. Otherwise, if a few fake certificates of deposit are released, he will be finished. Bi Sheng is doing this, and I believe that the result will be soon.
When the certificate of deposit is not so easy to forge and can leave a mark that the client in his own bank can clearly identify, then promote the business to those prefectures and counties to attract deposits on a large scale and issue loans.
Originally, Chen Yuan wanted Renzong to participate, but if this matter was really done, he could grasp the economic lifeline of a country. Also, if the court participated, the credibility would be much higher when he promoted it himself in the future.
But Renzong refused to do it. He was afraid that the censors would say that he was "competing for profit with the people". Chen Yuan could not convince Renzong in everything.
Sometimes when I think about it, the censors of the Song Dynasty were really too much. They had three wives and four concubines, and they had to add two houses and two more concubines when they were promoted to add a little joy, but they advised Renzong not to be close to women. Most of them had their own land and shops, but they said that the emperor could not compete with the people for profit. After their daughters quarreled with their in-laws, they would use their powerful mouth to kill them, but they did not allow the eldest princess to return to the palace.
Not to mention them, Renzong is afraid of the censors like a tiger. Chen Yuan didn't want to change anything about this. After all, it would be very dangerous for an emperor to be afraid of nothing.
Merchants don’t regard Chen Yuan as a bank as one thing now. In their eyes, they are just the chamber of commerce’s own money house. There is nothing wrong with this. It’s really inconvenient to push a few carts of money back after each transaction. I won’t say that the shipping costs are wasted, but I’m afraid that thieves will be thinking about it. Building a shop in each place and putting two friends on it can make it much more convenient for everyone.
Everyone didn't want to be quarreling in front of Renzong, and their faces were red and thick, and they seemed to be uncultured. Anyway, this is the bank of the Chamber of Commerce. Everyone paid for it together. Even if they couldn't do it well, they wouldn't be able to pay for it, and it wouldn't be too much on everyone's head, not to mention that they now have a blind confidence in Chen Yuan.
The two things were agreed on like this. The prince-in-law said goodbye to the era of hard-working speculation and counter-trading. What he was about to start was a bigger deal. In the past, he used to sell goods, but now he was the most profitable way in the world is to sell money. Of course, he did not completely give up his own goods. Chen Yuan was all in the business of Chai Yang, Amuda, Chen Shizhong and others.
Renzong was there to boost his momentum, and things went smoothly, and Chen Yuan was in a very good mood. It was the first time that Renzong had finished listening to the gathering of these merchants. From the beginning to the later time, everyone signed the agreement. The process made Renzong feel very novel.
It was already noon after the meeting ended, and the merchants wanted to invite Renzong to have a meal, but Renzong refused their kindness. The emperor didn't care about food and drink, and he had been very busy these days. It was finally time for him to come out. Renzong remembered the Su Xiaoyou who looked like a peach blossom and looked adorable.
After leaving the chamber of commerce, he asked, "Shimei, what's wrong with that woman named Su?"
Chen Yuan suddenly smiled in his heart. The emperor is also a man and he can never forget some of the women he likes. He has not asked about it these days. Chen Yuan almost suspected that Renzong had really forgotten Su Xiaoyou, and was thinking about finding a suitable opportunity to remind him.
Now when Renzong asked, Chen Yuan immediately said: "Weichen doesn't know. After taking her father, Weichen left them some money for them to live there. He hasn't visited these days. I think the money should be enough for them to spend a while."
Renzong pondered: "There is nothing happening now, let's go and have a look together."
Chen Yuanying said: "Yes."
The arrow shot at Lao Pang finally landed on the string. Pang Ji had not yet realized that he had become the target of his hunting, or the prey that Lu Yijian hunted. This plan was thought out by Lu Yijian, and he was just an implementer. Lu Yijian obviously wanted to create the last brilliant record before his life ended.
Su Xiaoyou has been waiting for the arrival of Renzong. Although three days have passed that made her very confident, and although Chen Yuan did not notify her at all when she came, Su Xiaoyou showed such perfection. She was obviously really suitable for any kind of palace struggle, because even though the past day meant that her hope was a little smaller, she was still ready to welcome Renzong's arrival at all times.
There was no flaw in terms of clothing or other aspects. When she saw Renzong appear, she was stunned at first, then looked grateful, and walked to Renzong a few steps: "Thank you, Grand Official Zhao, for your kindness, the little woman holds grass and carries rings, and she can't repay you."
Renzong hurriedly reached out and raised his hand: "It's just a little effort, girls don't have to do this."
But Su Xiaoyou didn't get up, and kowtowed hard on both knees. He knocked his forehead red after two strokes. Renzong didn't care about any etiquette and quickly stepped forward to support her jade arm: "Get up quickly, get up quickly."
Su Xiaoyou turned her head and shouted at the house behind her, "Dad, come and see your benefactor."
Old Man Su rushed out immediately, and when he saw Renzong, he immediately knelt on the ground and kowtowed desperately: "Thank you, little, thank you for your rebirth!"
Renzong stopped helping him with his own hands. He supported Su Xiaoyou's arm with both hands and used a color on Chen Yuan. Chen Yuan immediately understood and went up to help the old man Su up.
The father and daughter quickly let Renzong into the house. After entering, Renzong found that the original house was separated by wooden boards from the middle, and a floor was placed next to it, making the space even smaller.
There was a stove outside, and a small pot was burned on the stove. When I opened it, I saw some wild vegetables and a small amount of japonica rice. Renzong looked at it and said, "You just eat this?"
The old man Su immediately bent down and said, "The great official has no idea that rice and flour are too expensive these days. The old man set up a stall on the street to help people write letters, but he has no income. He relies on his daughter to play and sing in a teahouse and restaurant to make some money."
Renzong immediately turned around and looked at Chen Yuan: "Didn't you let you leave some money?"
Chen Yuan looked at Renzong with a very innocent look, and Su Xiaoyou immediately said, "Don't blame this big brother wrongly. The money he gave us is here, I will get it with the big guy."
As he said that, he took out a bag of money from the head of the bed and handed it to Renzong, but hesitated halfway and looked embarrassed on his face: "Please be tolerant, the income has been small these days. After eating and drinking, the medical expenses on that day were not fully collected."
Renzong shook his head slightly, not looking at the wallet at all, but his eyes looked at Su Xiaoyou even more different: "Why don't you use it?"
Su Xiaoyou lowered her head and said, "The little woman has received such kindness from the high-ranking officials. I don't know why she will repay her. I dare not cause trouble for the high-ranking officials."
Renzong turned to Chen Yuan and said, "Go to find a wine shop nearby. We didn't have any food either. If you don't dislike me, let's have a bite together."
Old Man Su said in panic: "I dare not bother the great official." He said he was unwilling to come, which made Renzong confirm that the father and daughter did not know their identities. Otherwise, the old man would definitely not refuse him like this.
However, Su Xiaoyou picked up the pipa and said, "The young lady wants to play and sing a few songs for the big official next to her, and help the big official enjoy the wine. Please allow the big official to allow it."
Of course Renzong allowed it.
I don’t know whether it was intentional or unintentional, but Chen Yuan actually found a good inn nearby and opened the best room.
There are two rooms in the room. After entering the door, there is a large table in the room for eating. There is also a small room with a large bed.
There were beautiful women accompanying each other, drinking wine while listening to the pleasant singing. During this period, Su Xiaoyou also raised her glasses at the right time, Chen Yuan? Of course, she ate outside with the guards.
Su Xiaoyou's ambition is to climb to the leader of Renzong, so he is proficient in piano, chess, calligraphy and painting. When talking to Renzong, Renzong felt very involved, and he unknowingly drank three pots.
Time passed slowly at this time, until the inside of the room looked a little dark, and Renzong realized that it was almost dark.
He said hurriedly: "It's getting late today. Miss Su, I'll take you back."
As he said that, he stood up, but because he had been sitting for too long, his body shaking. Su Xiaoyou hurried forward and held him: "Be careful, the great official."
Chapter completed!