"A bank!"
The news of the opening of the bank in Village Mo caused a sensation in Chang 'an. Not only was the scene extremely grand, but the whole page of the Mo Periodical introduced the bank business in Village Mo.
"A bank is a money house, isn't it? I didn't expect Mo Jiazi to be involved in the money business! "On the street, a Confucian scholar looked at the Mo Periodical and snorted.
The reputation of money houses in the Tang dynasty was not so good. Most of them only had one kind of business, which was the money business. The huge profits of money were naturally accompanied by dirty, gloomy, and bloody. Once one was involved in usury, there was only one ending, which was to break up the family and break up the family. Therefore, money houses were also notorious in the Tang dynasty. This was also the reason why Meton abandoned money houses and directly named his bank a bank.
"Yes, money houses have made many people lose their family fortune. How could Mo Jiazi be involved in the money business?
Many people suddenly talked about it. The Mo family had always had a good reputation, and Mo Jiazi was the pride of Chang 'an. No one expected that the Mo family could be in cahoots with the money business.
A black-clothed merchant snorted coldly, "The Mo Family's business is a bank, not a private bank. They only accept money, not money."
"Silver and copper coins are both money. Mo Jiazi won't make money." The Confucian scholar snorted and said.
"That's not the same!" The businessman in black pointed at the Mo Periodical proudly and said, "The bank in Village Mo doesn't make money by giving money, but by flying money!"
"What is flying money?" People were puzzled.
The businessman in black saw people's eyes and proudly explained, "Flying money is just what we call it in private. In the bank, it is called bill of exchange. If I want to do a big business in Luoyang, I need a capital of 500 strings of coins. Even if 500 strings of coins are changed into copper coins, I'm afraid that a carriage can't carry it. Even if it is changed into silver, it will be 500 taels of silver. It is not easy to carry it with you, and you have to bear the risk of losing it."
Everyone couldn't help but nod their heads. In this era, all transactions were done using cash. Moreover, copper and silver were extremely heavy. Large transactions were indeed risky and extremely inconvenient.
The merchant in black flaunted, "If I deposit the five hundred strings of coins into the bank of the Mo Family Village in Chang 'an City and let the Mo Family Village issue a draft, then I can carry a thin piece of paper with me and easily reach Luoyang. It's extremely convenient and I don't have to worry about losing it or being stolen. If money flies from Chang 'an to Luoyang, it is called flying money. "
"Flying Money! That's quite appropriate! " Everyone clicked their tongues. Flying Money was much more convenient, which was Mo Jiazi's usual style.
The Confucian scholar did not believe him and said, "Mo Jiazi wouldn't wake up early if there were no benefits. Why would he be so kind?"
The merchant in black shook his head and said, "Of course not. The fee for flying money is 1%. If you want to remit 100 coins, you have to pay the bank 1 copper coin."
"If you want to transfer five hundred strings of cash, you'll have to pay the bank five strings of cash! Mo Jiazi is really smart to think of such a way to collect money. If it's a thousand strings of cash, ten thousand strings of cash … " Everyone exclaimed. They instantly understood that Mo Jiazi's bank business was a no-cost business. He only needed to transfer money from left hand to right hand and he could collect 1% of the fee. If many little drops made an ocean, it would not be a small amount.
"This amount of money is nothing. If you hire an escort company to escort the money, I'm afraid you'll have to pay more. Of course, Mo Jiazi is not a greedy person. The lowest fee for flying money is 1 copper coin and the highest is 1,000 copper coins. That is to say, even if you remit 100 strings of cash, he'll charge you 1,000 copper coins. If you remit 10,000 strings of cash, he'll only charge you 1,000 copper coins. In other words, it's just one string of cash," the merchant in black explained.
In the later Tang Dynasty, flying money was popular for a time because the fee was too high. At its peak, it charged 100 copper coins per thousand coins. In the end, no one used it at all. In the end, it dropped to 1 copper coin per hundred coins, causing people to collapse. Meton naturally would not make such a mistake. He set the price at a price that was acceptable to all parties from the beginning.
"That's acceptable!" Many people had a flash of thought. It should be noted that when the Mo's Village was in crisis before the Spring Festival, the Mo's family had made great efforts to transport the money and wealth from Luoyang back to Chang 'an. If there had been a bank at that time, the Mo's Village would have agreed to pay 100 strings of coins without hesitation, let alone 100 strings of coins.
"One string of cash every time? This is not a small amount!" The Confucian scholar could not help but say with jealousy. The purchasing power of one string of cash was considerable in the Tang Dynasty. Many people were jealous that Mo Jiazi could collect money while sitting on the ground.
The merchant in black said proudly, "It's indeed a lot of money, but compared with the risk, it's worth it."
Many people nodded and shook their heads, speculating about the future of the bill of exchange. At this time, the bill of exchange business of the Mo's Village in Luoyang welcomed its first customer.
It was Li Yun of the Xiangfu Family.
"This is the bank opened by the Mo's Village!" Li Yun looked at the most prosperous area in Luoyang. The bank of the Mo's Village, which occupied a large area, was built with reinforced concrete and covered with exquisite tiles. He could not help but gasp. The appearance of the bank alone gave people a feeling of wealth.
The bank of the Mo's Village in Luoyang was opened next to the Princess' Peony Garden. The aftermath of the Luoyang Peony Garden held by Mo Jiazi had not yet subsided. When people heard that the bank of the Mo's Village was open, they came to see the fun.
Besides, the business atmosphere in Luoyang was strong. People were very interested in the bill of exchange business of the Mo's Village. Some big businessmen came to check it out. After all, in this era, carrying money was indeed a very troublesome thing. If they could use the bill of exchange to solve the problem, it would be too convenient.
However, the bill of exchange was a new thing after all. People were hesitant and no one dared to be the test subject.
However, at this time, Li Yun came out of the crowd and walked directly into the hall of the bank with a bill of exchange. Seeing this, the businessmen looked at each other and stood up to follow Li Yun into the magnificent hall of the bank.
When Li Yun entered the hall, a bank manager in black clothes came forward and greeted him.
"Sir, how may I address you? Are you remitting money or withdrawing money?" The bank manager asked enthusiastically.
"I'm Li Yun. I'm here to withdraw money." Li Yun said.
Li Yun!
The businessmen could not help but stir. Li Yun of the Xiangfu's Clan had a public competition with the Mo's Village in Chang 'an City. Although he lost and drew, he was one of the few people who could fight with Mo Jiazi in the past few years. Naturally, everyone had heard of him.
The manager was stunned and said, "So you're from the Xiangfu's Clan. This way please!"
The manager led Li Yun to a window in the hall. The window was separated by a thick glass. People inside and outside could see each other clearly, but they could not touch each other. There was only a small hole for the transfer of the bill of exchange.
Li Yun reached out and knocked on the thick glass. There was a dull sound. He immediately understood that this was the extremely hard glass produced by the Mo's Village.
"Sir, please show me your bill of exchange and identity certificate!" Inside the glass, one of the Mo Jiazi's Clan Brothers said with a smile.
Li Yun just remembered the business. He smiled awkwardly and handed the bill of exchange and travel pass to the Mo Jiazi's Clan Brothers through the hole.
After checking that everything was correct, the Mo Jiazi's Clan Brothers recorded the amount of the bill of exchange in detail. He put the plates of silver on the counter and then handed a receipt to Li Yun. "Please confirm and sign. Later, please count the silver carefully. Once it leaves the counter, the Mo's Clan Brothers will not be responsible."
Li Yun carefully checked the receipt. After confirming that there was no mistake, he cautiously signed his name. Soon, plates of shiny silver were piled up in front of Li Yun.
"One thousand taels!" After checking carefully, Li Yun found that not only the quality of the silver was good, but also the amount was not small.
"The Mo's Village really paid the amount!" The businessmen who took the opportunity to come in saw this scene and could not help exclaiming. The scene in front of them really shocked them.
"Didn't they say that the bill of exchange would be charged 1%?" A businessman was puzzled.
The shopkeeper beside him explained, "You may not know this, but the Mo's Village Bank has a discount during the opening period. The money transfer is free within one month."
"Free!"
Suddenly, many people were excited. The Mo's Village's reputation had just been confirmed. They would pay the amount. Plus, it was free, so many people were eager to have a try.
At this moment, Li Yun just stood up after counting the silver. A businessman could not wait to say, "I'm going to the Mo's Village to buy some goods. I believe that Mo Jiazi will not cheat me. I want to return 50 strings of cash to the Mo's Village!"
Other businessmen were also tempted, but they were still worried.
Seeing this, the bank manager added fuel to the fire. "Everyone, don't worry. Every bill of exchange has a unique code. Others can't counterfeit it. Even if you lose it, as long as you have a valid identity, you can still withdraw the money."
"Okay, I want to transfer 500 strings of cash to Chang 'an City!" Then, a businessman was tempted.
500 strings of cash was nothing for the Mo's Village. Besides, there were so many witnesses. He believed that the Mo's Village would not cheat.
If there was one, there would be two. If there was two, there would be three. Soon, many people had begun to line up for the remittance.
At this moment, Li Yun finished counting the silver and was about to leave. 1,000 taels of silver was more than 50 kilograms. The Mo's Village Bank considerately put them in two suitcases. Li Yun carried one in each hand. Even if he was young and strong, he could not help but gasp for breath.
"Sir, the Mo's Village Bank has a free escort service. As long as you are in Luoyang City, you can be escorted to your home. Do you need it?" The shopkeeper waved his hand. Two of Mo Jiazi's brothers dressed as guards immediately came forward.
Li Yun could not help but sigh in his heart. The Mo's Village was able to develop and expand because it deserved its reputation. They even thought of such a considerate and meticulous job.
"No, I have someone to pick me up!" Li Yun shook his head and refused.
Then he lifted the two suitcases. With 1,000 strings of cash in his hand, he suddenly walked out of the bank with his head held high. Outside the bank, the old servant beside Li Yun had already been waiting for him.
Li Yun boarded the carriage and began to turn left and right in the carriage in Luoyang City. Soon, the carriage disappeared without a trace.
Half a month later, in a secret place in Qi, Li Yun got off the horse. When he saw the secluded place of the Xiangfu's branch, he could not help but be enlightened.
"Young master is back!"
With a child's surprised voice, the whole secluded place was suddenly stirred up.
Li Yun walked into the secluded place with his head held high. The 1,000 strings of cash, folding ruler, cloth tape, steel ruler, and two bridge design drawings quickly fell into a great uproar in the secluded place that had been peaceful for thousands of years. It was like a huge stone smashed into a pool of stagnant water.
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