Not to mention how proud Qin Huaiyu was, even Cheng Chumo and Yuchi Baolin could be seen all over the street.
"Shopkeeper, pay the bill!"
In front of a shop, Cheng Chumo waved his hand and handed the written check to the shopkeeper.
"Thank you, Childe Cheng!" The shopkeeper accepted it without hesitation. Gossip had always spread quickly in Chang 'an. Since Qin Huaiyu used the first check in Chang' an, the magic of the check had been spread all over Chang 'an.
A pretty girl beside Cheng Chumo opened her mouth in surprise and looked at the scene in surprise. She was Cheng Chumo's fiancée. Fortunately, under the leadership of Meton, marriage in the Tang dynasty was more open, and Cheng Chumo had the opportunity to take her out to go shopping. Of course, she had to behave well.
Cheng Chumo lowered his head and explained to his fiancée the subtleties of the check. The girl nodded repeatedly, and her eyes were full of splendor. She was also a lady of a big family and was not short of money. However, Cheng Chumo's way of paying the bill really attracted her.
Immediately, the two figures appeared in the streets of Chang 'an. It seemed that they had endless topics to talk about, and feelings quietly spread between them.
When the two were shopping, they met Yuchi Baolin, who was also taking his fiancée shopping. The two nodded tacitly.
Sons of Marquises like them had already been engaged, but Yuchi Baolin was more pitiful. His fiancée was younger, and it would be a long time before they could get married.
Under the leadership of Qin Huaiyu and the other two, the check of the Village Mo Bank became popular in Chang 'an, making the bank famous. Even people who did not pay attention to the bank had heard of it for a long time.
However, in the eyes of ordinary people, the bank was just a topic of conversation. In the eyes of businessmen, it was a convenient tool. However, among another group of people, the bank was shocked like thunder. That was the Ziqian family, an extremely mysterious family in the Tang dynasty.
The Ziqian family was shocked by the various operations of the bank in the Village Mo Bank. For a long time, the Ziqian family made a living by printing money and manipulating a group of gray industry chains behind the scenes to gain huge profits. They had never thought that money could be made in this way.
"Why is the income so little in the past few months?" In a secret room of the Yuanxiang Bank, the largest bank in Chang 'an, a young man in brocade snorted coldly.
On both sides of him, the shopkeepers were suddenly as silent as cicadas in winter. They lowered their heads and dared not to make a sound.
"Young Master, since the Village Mo exposed the Temple printing money, the Buddhists began to save themselves, and many temples no longer cooperated with the Ziqian family. Also, the existence of newspapers, newspapers, newspapers and newspapers and newspapers and newspapers and newspapers and newspapers, newspapers and newspapers and newspapers and newspapers and newspapers and newspapers and newspapers and newspapers and newspapers and, we, we, we did not dare to force as before.........., we....
"Mo Magazine! The young man in embroidered clothes paused for a moment before replying.
. be.. of the Family to.. and and., of the, he.., they. Family be..... Newspapers. of it was was, and, was, was doing?, and Newspapers.... was, I.. acted. I, I........
. "The young man's face relaxed a little. He nodded and said," You did the right thing this time! "
The powerful might of the Mo Magazine shocked all the dark side. If the Great Mercy Temple's downfall was the best example, then the Qian family's reputation was not good to begin with. If they were to publicize it, then they would become even more notorious.
"The Mo Family's Son of Mo even wantonly publicized his one copper coin game in the Mo Magazine, causing the people of the world to avoid printing money like snakes and scorpions. Now, there are a lot fewer people coming to the bank to lend money." A shopkeeper complained.
The biggest threat to the printing money was the so-called one-penny game. No one cared about a penny. Who would have thought that the one-penny game would become 500 million yuan in a month? This made people have a clear understanding of the dangers of printing money, and they avoided it like snakes and scorpions. Some people, even if they had no other way, stopped borrowing.
"Village Mo! The one-penny game! " The youth's face darkened. He had naturally heard of the Mo Family's' One Copper Coin Game '. Although this' One Copper Coin Game 'seemed like a game, it exposed the true nature of money printing and exaggerated the dangers to the extreme. Moreover, the Mo Family's propaganda and the dangers of money printing had spread throughout the Great Tang, causing the already bad reputation of the Mo Family to instantly become even worse.
"First, reduce the interest and make the contract more hidden. With the existence of the Ziqian family, Mo Zi is not born yet. How can he be defeated by Mo Jiazi's game? "The young man snorted.
"Young Master is wise!" The group of shopkeepers heaved a sigh of relief since they had finally passed this trial.
"Not only that, the Village Mo is extremely stubborn and prejudiced against us. Previously, we wanted to open a gambling house and a brothel in the Village Mo, but we were not only driven out by the Village Mo, but also lost many people." Another shopkeeper complained.
The brothel and gambling house were inextricably linked with the Ziqian family. The Village Mo was a new place, and it was the Ziqian family's treasure bowl. Unexpectedly, the Village Mo was so repulsed by the Ziqian family that they directly drove the brothel and gambling house business out of the Village Mo.
"What's more abominable is that Mo Jiazi even wanted to get involved in the printing money business. He even opened banks in the Village Mo, Chang 'an and Luoyang. In time, he will be a big trouble for the Ziqian family.
…
The shopkeepers talked one after another, and almost all of them were accusing Mo Jiazi.
"Bank!"
The young man's eyes lit up. Naturally, he had heard of the Village Mo bank, which had been very popular in Chang 'an recently. Even if he was dissatisfied with Mo Jiazi, he had to applaud Mo Jiazi's wisdom.
First of all, the bank sounded much better than the money house, and the name alone was enough to distinguish which one was better.
Secondly, the bank's bill of exchange business made him extremely excited. Based on his vision, he could naturally see that the prospects of the bill of exchange business were very broad. Moreover, it was practically sitting on the ground and collecting money. Compared to the Qian family's notorious underground money house, the bank not only collected money openly, but also left a good reputation.
What made the young man in embroidered clothes even more jealous was that in terms of wealth, he boasted that he was not inferior to the son of the Mo Family. It was not that he did not have the boldness to spend a lot of money, but in front of the check of the son of the Mo Family, all of this was practically reduced to a joke.
Mo Jiazi only needed to write down the amount and sign, and then he could use it as money. This kind of operation was not comparable to taking out a handful of money and throwing it to the waiter. One was elegant, the other was rude, and the other was just like the clouds and mud.
"Young master, why don't we imitate Mo Jiazi's bill of exchange business? As long as you raise your arm, all the big money houses will unite. The money houses of the Ziqian family are all over the Tang dynasty. Now there are only five banks, and two more are under construction. We can definitely grab this fat meat from Mo Jiazi's mouth." The shopkeeper of the Yuan Xiang money house said proudly. Obviously, he was also very excited about the bill of exchange business of the Village Mo bank.
"Yes, if we grab the bill of exchange business, we can not only take revenge, but also add a huge source of income to the Ziqian family." Other shopkeepers agreed. Now the Ziqian family's money printing business was not going well. If they could develop the bill of exchange business, the Ziqian family could not only make up for the loss, but also make a lot of profit.
The young man in the brocade clothes snorted and said, "I certainly know that the bill of exchange business is very promising, but do you know why the Ziqian family has never thought of doing this?"
All the shopkeepers looked at each other and shook their heads.
"That's because we are the Ziqian family. Every Ziqian family is a vicious wolf that eats people without spitting out the bones. If there is a chance to swallow other Ziqian families, we will definitely do it without hesitation. If you want us to trust them and give our money to them, I'm afraid the sun will rise from the west." The young man in the brocade clothes snorted.
All the shopkeepers could not help but lower their heads. They knew the nature of the Ziqian family very well and naturally knew that what the young master said was true. If it were them, they would not trust other Ziqian families, either.
But the shopkeeper of the Yuan Xiang money house retorted, "Young master, you are right. If it were before, we would definitely not cooperate with you. But now the Village Mo bank has appeared and is constantly expanding. If the business of the Village Mo bank is expanded to all parts of the Tang dynasty, the Ziqian family will not be able to do the bill of exchange business even if we want to. With this interest, young master, as long as you raise your arms and call for help, we will definitely succeed. Moreover, we can stop the expansion of the Village Mo bank and nip it in the bud."
It had to be said that the shopkeeper of the Yuan Xiang money house was extremely outstanding and had such a unique vision. If there were foreign enemies, the Ziqian family would definitely cooperate with them.
All the other shopkeepers nodded in agreement. The Ziqian family in other places might not feel the pressure of the Village Mo bank, but they were the first to bear the brunt. The prosperity of the Chang 'an bank made them feel full of threat.
The leading young man in embroidered clothes pondered for a moment, shook his head and sighed, "I certainly know that the Village Mo bank will become a big trouble for the money house sooner or later, and I also know the prospects of the bill of exchange business. But it is extremely difficult to persuade the other Ziqian families."
"Why is that?" All the shopkeepers were puzzled.
The young man in embroidered clothes said helplessly, "The Ziqian family has existed since ancient times. Not only does it have a bad reputation, but it is also a piece of fat meat in the eyes of the imperial court. If there is a chance, the imperial court will definitely squeeze every penny out of the Ziqian family's pockets. The reason why the Ziqian family can survive is that our Ziqian family has hidden deeply enough. We only have a few money houses on the surface. If the imperial court finds out these money houses, it is just like cutting leeks, and it is difficult for them to hurt our foundation."
All the shopkeepers nodded in agreement.
"But if we want to get involved in the bill of exchange business, we have to put our money houses on the surface, just like the banks. In this way, the Ziqian family will become the fish on the chopping board of the imperial court and be at the mercy of others. Even if I have the courage to do something, I am afraid that I can't persuade the other Ziqian families. "The young man in embroidered clothes sighed.
All the shopkeepers were silent. This was the way the Ziqian family had survived for thousands of years. How could they take the initiative to expose themselves to the public for a little benefit?
"Do we have to watch the Village Mo bank rise without doing anything?" The shopkeeper of the Yuanxiang Bank said disappointedly.
The young man in embroidered clothes shook his head and said, "Of course we can't watch the bank rise."
Although the name of the bank and the money house were different, and the Village Mo family was now very restrained and did not get involved in the money business, people with discerning eyes could see that one day, the two parties would go against each other.
"Young master, please tell us clearly." All the shopkeepers listened attentively.
"Banknotes!" The young man in embroidered clothes said word by word. With a wave of his hands, a stack of brand new banknotes appeared on his fingertips.
All the shopkeepers couldn't help being stunned. No one had expected that the young master would have banknotes issued by the Village Mo family.
"Young master, you mean …" All the shopkeepers were puzzled.
The young man in embroidered clothes showed a trace of coldness and said, "The time limit of the bill of exchange is very short, and there is a hidden code hidden in it, so it needs to be picked up by a special person. It is not easy to imitate it. What's more, cheques are related to the local famous people, and people who are not familiar with them will not accept it. So it is also impossible to imitate it. But banknotes are different. As long as we have banknotes, no matter when, Mo Jiazi Bank will pay out the money.
If we can make banknotes … "The shopkeeper of the Yuanxiang Bank suddenly understood and said," Young master, you mean that we can imitate banknotes! "
"Wonderful." All the shopkeepers applauded. If they could imitate banknotes, wouldn't it mean that the Village Mo family's bank could be used as an ATM?
"But I heard that the Village Mo family has spent a lot of effort on banknotes, and there are more than ten kinds of anti-counterfeiting methods. These are the top secret ink skills of the Village Mo family." The shopkeeper of the Yuanxiang Bank hesitated and said.
"Try your best to crack as many as you can. Even if you can't imitate banknotes, at least you can fool ordinary people!" The young man in embroidered clothes snorted.
If he could imitate banknotes, even if he couldn't fool the shopkeepers of the Village Mo family and gain a lot of money, he could fool some ordinary people and ruin the credibility of banknotes, so that the Village Mo family's bank would fail completely.
Everyone thought that banknotes were the source of wealth of the Village Mo family's bank, but he found out that banknotes were the source of wealth of the bank. Especially since the bank was backed by the Village Mo family, it forced the banknotes to be used in all aspects of the Village Mo family's life, and the money saved could make the Village Mo family have a huge amount of wealth in an instant. It was no exaggeration to say that the total assets of the Village Mo family had doubled out of thin air after owning the bank.
"Doubled assets?" In the bank of the Village Mo family, the rumors from the outside world naturally came in. Hearing this, Master Shen couldn't help shaking his head and laughing.
Banknotes were not limited to one tael of silver per banknote. As long as the Village Mo family was willing, they could print as many banknotes as they wanted. Of course, the greater the risk was.
According to his precise calculation, as long as the bank stored 30% of the banknotes, it could guarantee the smooth circulation of the banknotes and maintain its value. That was to say, if possible, the bank could print three times more banknotes, which could increase the assets by at least three times.
"Now banknotes are only used in the Village Mo family. There is no need to issue too many banknotes. Just issue one-to-one banknotes." Meton shook his head and refused Master Shen's temptation to issue more banknotes.
The earliest banknotes in history had encountered this temptation. After a painful lesson, they gradually went on the right track.
The bank of the Village Mo family's bank had just started, and it was the time to build its reputation. The bank was the most important thing in the future plan of the Mo family. He didn't want any mistakes to happen to the bank.
Secondly, although banknotes were only issued in the Village Mo family's bank, all the gold and silver of the Village Mo family's bank were collected. As long as they had money in their hands, they would not panic. The foundation of the Village Mo family's bank had been doubled, and there was no need to take a big leap of risk.
Lastly, banknotes were paper money. If the public saw the benefits of paper money rashly, it would definitely cause a crazy craze. In the end, the common people would suffer losses. It was better to let the Village Mo family show the paper money to the public step by step.
"Of course, it doesn't mean that we won't issue more banknotes in the future. In the future, the bank will eliminate some of the damaged banknotes every year, and we can take the opportunity to issue more banknotes. Remember, you must ensure that the reserves are within a safe range. You should know that the status of the Mo family is not stable, and unexpected events may happen at any time. "
"The Old Man understands!" Master Shen solemnly said.
It turned out that Meton's caution was not wrong. It was just that he didn't expect that the secret conspiracy would come so quickly. The Qian family had begun to secretly plot against the banknotes.
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