In the hall of the Bank of Village Mo, Master Shen handed three checkbooks to Qin Huaiyu and the other two. He solemnly said, "You can pay by writing the amount on the check. Although it's convenient, it's easy to get lost if you don't see the cash. You have to use it carefully. Also, this check can only be used in Chang 'an City. You have to keep it in mind."
"Don't worry, Master. We'll keep it in mind." Qin Huaiyu and the other two said respectfully, as if they were in the Imperial College.
When they were teaching in the Imperial College, Master Shen was very strict. What's more, the Indian Numerals Incident made Master Shen's prestige in the hearts of his students. Not to mention, Qin Huaiyu and the other two were the best students of mathematics. Naturally, they were very respectful to Master Shen.
Master Shen saw that the three of them were so obedient and could not help but sigh. The three naughtiest students in the Imperial College had become the pillars of the country.
However, before Master Shen could feel relieved for too long, Qin Huaiyu and the other two walked out of the hall of the bank and immediately showed their true colors. They cheered and jumped, waving the checkbooks in their hands, and left happily.
"These kids …" Master Shen could not help shaking his head and laughing.
"Don't worry, Master. Although the three of them are playful, they have a sense of propriety in the face of major issues." Meton came from the side and said with a smile. He was familiar with Qin Huaiyu and the other two and knew their nature very well. They were just showing off.
"And with the publicity of the three of them, I'm afraid that the check business of the Bank of Village Mo will be very successful." Meton said with a smile. Qin Huaiyu and the other two were simply living advertising vehicles. With their help, within three days, all the upper-class nobles in Chang 'an City would know about the check business of Village Mo.
"Are you going to promote the check business?" Master Shen was surprised. He had always thought that the check business was prepared for Mo Jiazi and the other two were just making an exception for Qin Huaiyu and the other two.
"Of course! It has never been the Mo Family's philosophy to monopolize everything. Naturally, the cheque business will also serve the public. "Meton nodded.
"If someone else signs it, you can go to the bank to get the money, but there are a lot of risks involved!" Mister Shen asked worriedly. He naturally trusted Qin Huaiyu and the other two. Furthermore, they had the foundation of the Gourmet City's dividends. There was no need to worry about them going back on their word.
However, if some scammers were to write checks and maliciously defraud money, the price would naturally be high.
Meton nodded and said, "Of course, we have to be careful. Everyone who writes a check is a customer of the bank. They must have a certain amount of deposit in the bank as a deposit. They also have to go through a qualification review. Not everyone can write a check."
Mister Shen nodded. In this day and age, credibility was highly valued by the world. There were many examples of people keeping their promises. Naturally, a reputable person would not go back on his word. Moreover, every checking account had a limit. If there was a fraud, the loss could be stopped in time.
"But we are taking on such a huge risk. How are we going to make a profit?" Mister Shen frowned. Banks dealt with money and could not afford to lose money.
"Annual fee!" Meton said solemnly.
"All checking accounts have to be charged an annual fee, and a bill must be sent to the customer every month. If the limit is exceeded, the customer must be urged to repay in time so that the loss can be stopped in time."
"What if someone overdrafts the check and doesn't pay it back?" Mister Shen frowned and asked.
Meton smiled and said, "Then you will have to cooperate with Han Fuzi. With a black and white check in hand, only the law of the Tang dynasty can punish him!"
"Brother Han!" Mister Shen could not help but be enlightened. He suddenly understood a little more about the operation of the bank.
Although Prof Shen had just started working as a bank manager, he was very satisfied with the position. It was not because Meton paid him well, but because he was psychologically satisfied. In any era, the most satisfying thing was power and money. The amount of money that the bank in the Village of Mo handled every day was a huge number. The sense of achievement was much better than being a Ph.D. in mathematics.
Moreover, when he came into contact with the bank, he found that it was the holy land of mathematics. All the operations of the bank were under the control of numbers and were extremely precise.
"This is the future of mathematics!" Mister Shen was extremely excited. He immediately returned to the bank with confidence and continued to work.
In a restaurant, Qin Huaiyu was so excited that his face was flushed. He called out to a group of playboys, "Today, we brothers have gathered together. We must drink until we are drunk!"
"Brother Qin, you are so happy today. Did you make a fortune?" Li Zhen, the eldest son of Li Ji, the Duke of Ying, raised his glass and laughed.
"Made a fortune?" Qin Huaiyu smiled contemptuously and said, "I don't care about those filthy things. From now on, I will not take a penny with me when I go out."
"Brother Qin, you are really noble and pure. We admire you." The playboys all jeered.
"But since Brother Qin is penniless, are we going to dine and dash this time?" Liu Renshi, the eldest son of Liu Hongji, the Duke of Kui, said in surprise.
The others suddenly looked at each other. They did not know what Qin Huaiyu was up to. Qin Huaiyu was treating them but he was penniless. With their status, no one would dare to stop them if they wanted to dine and dash. However, if their father knew about this, they would have to pay a terrible price.
"Dine and dash!" Qin Huaiyu raised his eyebrows and looked around. He said proudly, "Do I look like the kind of person who would dine and dash?
"Yes!"
All the hedonistic sons looked at each other and nodded. They knew that Qin Huaiyu's upbringing was extremely strict, and he was usually very tight on money. In order to earn money, he was even willing to set up gambling houses in the Imperial College. It was only in these two years that he had followed the Mo Family and received dividends that he was able to have more money. How could the hedonistic sons forget his dark history?
Suddenly, the waiter who was waiting on the side almost cried. If these playboys dined and dashed this time, he would be the unluckiest one.
Qin Huaiyu was annoyed by this group of bad friends. He was so angry that he laughed and said, "You are really ignorant. Who said that you can't pay if you don't bring money? Today, I will show you."
The playboys all looked at him with disdain. It was the first time they had seen someone describe dine and dash in such a refreshing and refined way.
Qin Huaiyu waved his hand and took out a checkbook from his arms. He picked up a pen and wrote the amount on the check. Then he solemnly signed his name.
With a tearing sound, Qin Huaiyu tore off the check and threw it to the waiter. He said, "Take it. The extra is your tip."
"A piece of paper?" The waiter almost couldn't hold back his tears. He didn't expect that Qin Huaiyu wouldn't dine and dash anymore. He actually used a piece of paper to pay the bill.
"This is … a check?"
The waiter didn't know the value of the check, but it didn't mean that the playboys didn't know the value of the check. Suddenly, they all gathered around and grabbed the check from the waiter's hand. They looked at it curiously.
"Yes, this is a check from the bank of the Village Mo. As long as you bring this check to the bank of the Village Mo, the amount of the check will be changed into real money." Qin Huaiyu said proudly.
"A check? Isn't it specially designed for Mo Jiazi in the Village Mo?" Li Zhen said in surprise.
"That's only natural. However, Brother Mo and I are friends who have gone through life and death together. We've been through the same window, and we've even shouldered a spear together. If I want a check, Brother Mo will naturally agree." Qin Huaiyu bragged.
No one doubted Qin Huaiyu's words. After all, he and Mo Jiazi were schoolmates. They had a very close relationship. Everyone knew that.
They all took turns to look at the check and then handed it to the waiter.
"Can I really withdraw money from this?" The waiter asked doubtfully. Of course, he had heard about the check, but it was the first time for him to encounter such a thing. How could he not doubt it?
"Don't worry. You go and come back quickly. We will definitely wait for you." Qin Huaiyu waved his hand and said.
"We trust Childe Qin's reputation. You go to the bank of the Village Mo. We will arrange the dishes to be served right away!" Hearing the news, the manager came up and signaled the waiter to withdraw money.
Soon, delicious dishes were served one after another. However, all the foppish boys were eating absent-mindedly. The delicious dishes in the past could not arouse their appetite. Everyone's attention was involuntarily placed downstairs.
"Manager, I'm back." The waiter who went to cash the check ran back breathlessly.
"What's wrong? What did the bank of the Village Mo say?" The manager said anxiously. It seemed that he trusted Qin Huaiyu, but he did not want to offend these foppish boys. If the check could not be cashed, it would be embarrassing if he went to ask Qin Huaiyu for money.
"The bank of the Village Mo has cashed the check, and it's all fine silver." The waiter took out some silver coins and put them in front of the manager.
"It's real?" The manager checked the silver coins one by one. All of them were real. He could not help being surprised. He did not know whether he was talking about the silver coins or the check.
"Young Masters, the check has been cashed. Here's the silver coins for you!" The manager deducted the meal fee and sent the remaining silver coins to the private room of Qin Huaiyu and others on a tray.
"Wow!"
All of a sudden, the foppish boys were in an uproar. The check was really an eye-opener for them. No one had thought that a simple signature could be used as silver coins.
"I'll reward you. How can I let the money stain my hands?" Qin Huaiyu was extremely complacent and played with the check book in his hand.
"Thank you, Young Master Qin!" The manager said with a smile.
All the foppish boys enviously saw this scene. In terms of rewards, sometimes they were more generous than Qin Huaiyu. However, no matter what, they could not compare with Qin Huaiyu's glory this time.
"Brother Qin, Brother Qin!" Suddenly, Li Zhen got close to Qin Huaiyu and flattered him.
"What do you want?" Qin Huaiyu had goosebumps all over his body and quickly moved back.
"Brother Qin, since you have such a good relationship with Brother Mo, why don't you talk to Brother Mo and write a check for me?" Li Zhen begged.
"Yes, we also want to write a check." All the foppish boys hooted.
Not only did they have no money, but this method of paying with a check was too cool. It was simply to the foppish boys' taste.
Qin Huaiyu raised his wine glass and drank it all. He looked at the crowd with disdain and said, "Friendship is friendship. Even blood brothers have to settle accounts clearly. I used the dividends of the gourmet city to exchange for a check limit of 1,000 strings of coins. If you also want a check, I'm afraid you have to show your sincerity! "
"Isn't it just money? I'll put the money in the bank of Village Mo tomorrow. "
"That's right. What we don't lack the most is money!"
…
All the foppish boys shouted one after another. They did not lack money. What they lacked was a way to show off, and the check could meet their needs.
Soon, as the foppish boys processed the check, this method of payment quickly became popular among the upper-class nobles in Chang 'an City and soon became a symbol of status.
The era of credit in the Tang dynasty came a thousand years in advance.
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