It was October, and the north was already desolate.
At the end of October, it snowed for the first time at Gate of Yanmen. Under the heavy snow, the entire Gate of Yanmen was covered in silver. In such cold weather, the commoners were all wrapped up like dumplings.
The more they were like this, the more profitable Du Qi's down jacket store was. He could sell countless clothes every day. Especially in the north, there were many merchants who bought from the down jacket store on a large scale and sold them in the north.
The winter in the grasslands was extremely cold.
It was much colder than at Gate of Yanmen.
As a result, down jackets were now accepted by countless people. After all, no matter if it was an expensive down jacket or an ordinary one, there would always be one that was suitable for the commoners.
In the restaurant, mutton soup and hot pot were already available.
These were made by chefs from Chang 'an. After all, the mutton soup and hot pot in Chang' an were already popular and were imitated by countless people. However, no matter how many people tried to imitate them, Du Qi's restaurant was the most authentic and the most comfortable.
Du Qi's business expanded in Daizhou.
On this day, Du Qi was reading a book.
He had nothing to do in Daizhou. After all, it was not suitable to go out in cold weather. Qianxue and Li Yanyun were busy with business matters every day, leaving early and returning late.
Most of the time, Du Qi was alone, so he decided to stay in his residence and read.
While Du Qi was busy, Jin Wuque came. He entered the room, took off his down jacket, and walked to the brazier to warm himself. He said, "Young Master, the weather is really cold. However, the colder it is, the better the business of our down jacket store. Especially at the restaurant, the hot pot business is also very good. There are countless people lining up every day. "
Du Qi said, "It's winter. It should be the time to make money."
Jin Wuque changed the topic and said, "I'm here because of two things."
Du Qi said, "What is it?"
Jin Wuque replied, "The first thing is a letter from County Magistrate Du Chuke from Chang 'an. He said that Her Majesty has allowed you to return to Chang' an to worship your ancestors."
As he spoke, Jin Wuque handed over the letter.
Du Qi took the letter and looked at the word 'Ok' written on it. A smile appeared on his face.
It was a success!
With Li Yuan's agreement, Du Qi could return to Chang 'an to arrange many things.
Du Qi put away the letter and asked, "What is the second matter?"
Jin Wuque said, "The second matter is related to the bank. Nowadays, only the Gate of Yan had a bank. While I was in charge of the bank's affairs, a lot of merchants from Chang 'an said that we have a bank at Yanmen, which makes it convenient for them to do business with the Tujue up north. "
"In fact, it's still not convenient enough."
"Because they have to bring money back to Chang 'an from the Gate of Yan. After all, there is no place to exchange money in Chang' an. These merchants hope that we can open banks in Chang 'an and other places. "
"To facilitate the exchange in other places."
Jin Wuque said, "That's the only way. After they earn money in the north and return to Yanmen to deposit it, it will be easy for them to go south to Chang 'an. They will be able to exchange for money in Chang' an."
"There are even merchants from the Jiangnan region who say that there are many merchants in Jiangnan. They come from the south to the Gate of Yan. If we have a bank in Jiangnan, it will be more convenient. "
"It's not to the extent that they will have to bring large amounts of money south."
Jin Wuque's eyes were filled with longing.
He hoped to have banks all over the country.
However, this was not easy.
Du Qi nodded and said, "You mean to set up banks in Chang 'an, Jiangnan, Yangzhou, and other places?"
"Yes!"
Jin Wuque nodded and answered.
After a pause, Jin Wuque continued, "However, I also thought of some problems when I wanted to set up banks in other places. For example, if you deposit money in the Gate of Yan, it is natural for you to exchange for money in Yangzhou. "
"However, there might be people who fake the bank's bank and exchange for money out of thin air."
"Furthermore, the information between the banks must be shared. If it cannot be shared, there will be bad debts. After all, exchanging for money in other places is an extremely troublesome matter. "
Jin Wuque sighed and said, "If we don't solve this problem, there will always be trouble."
After Du Qi heard this, he nodded and showed an approving expression.
Jin Wuque had considered it quite thoroughly. In this era, due to the lack of communication, the banks were very far away from each other. Once they exchanged for money in other places, there would be many unnecessary problems.
In this aspect, they had to simplify.
They could not have as many functions as the banks of the future.
Du Qi said, "In principle, I agree with setting up banks in Chang 'an, Yangzhou, and other places. However, there are two things that you mentioned. First, exchanging for money in other places requires a prerequisite. "
Jin Wuque said, "Young Master, please enlighten me."
Du Qi said, "For exchanging for money in other places, let's say you deposit money in the Gate of Yan and withdraw money in Yangzhou. When you deposit money in the Gate of Yan, you have to state clearly that you want to withdraw it in Yangzhou or at a place where you are already in the Gate of Yan. "
"If you want to withdraw the money in other places, then you have to withdraw it from the Gate of Yan. You cannot withdraw it from other places. Furthermore, you can only withdraw it from the Gate of Yan. "
"If you want to transfer the money to Yangzhou, you have to withdraw it from Yangzhou. Furthermore, the Gate of Yan has to send the notice of this transfer to the Tang dynasty bank in Yangzhou. After notifying them in advance, the depositor can withdraw the money in Yangzhou."
"Not only that, after the Yangzhou bank withdraws the money, they have to reply to the Gate of Yan to cancel the account."
"This way, the process will be more complicated, but it will not create a dead account. It will also be impossible to withdraw the money out of thin air. From the time of the transfer, it will be clear whether it is a deposit or a transfer. "
Du Qi said frankly and frankly, "This is the only way to reduce unnecessary trouble."
"On the other hand, the information between banks has to be encrypted. Even if the money is stolen, there will not be any problems. Furthermore, the transmission channel has to be specialized. There cannot be any mistakes. "
"Of course, setting up a bank is not a simple matter. It is extremely complicated to do it well. Even if we do a lot of preparations, it is very likely that some problems will occur. "
"But there is no need to rush. Take it slow."
"The Gate of Yan will be the headquarters for now. The banks in Chang 'an and Yangzhou will have less business. Take it slow. They will only open deposits, transfers, and some mortgage loans. There is no need for the business to be too complicated."
Du Qi said, "In short, everything will not appear out of thin air. It will not be done immediately. It will appear step by step."
Jin Wuque said, "Young Master is wise!"
Du Qi said, "Alright, you can make the arrangements for the bank. However, the arrangements for the Yangzhou branch of the bank will be made after spring next year. Because the bank will operate until next year, the internal staff can be divided into some ranks and the outstanding people can be selected. As for the Chang 'an branch, I will return to Chang' an and make the arrangements. "
Jin Wuque said, "Young Master is wise!"
Du Qi said, "When I am not at the Gate of Yan, you will be in charge of the bank's business system."
"Yes!"
Jin Wuque replied immediately.
To him, this was not a difficult matter. It was not difficult to handle.
Du Qi entrusted him with a few more things before Jin Wuque left.
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