Fu Song

Chapter 382 Union Bank
The Jiaozi of the Song Dynasty originated in Sichuan at the earliest. It was a transaction certificate issued by Sichuan merchants for the convenience of transactions. Later, it gradually circulated and had the function of coins.Later, the court of the Song Dynasty saw the huge benefits, managed it and nationalized it, so that Jiaozi began to be practiced in the world.

Jiaozi in the Song Dynasty has always been relatively stable. Although it has been slowly depreciating, it can barely hold on. Until the past two years, the imperial court suffered continuous defeats on the battlefield. The imperial court began to print a large number of Jiaozi to reap the wealth of the people, which caused Jiaozi's reputation to fall again and again, and the panic selling by the people exacerbated the speed of Jiaozi's collapse.

The one who sees the water flowing by itself is the owner of a bank.To be precise, the Shui family was one of the sixteen banks that initiated the issuance of Jiaozi back then, and it has been operating until the previous generation, that is, the father of Shui Ziliu. The Shui family was struggling due to poor management, and the qualification to issue Jiaozi was thus lose.

Without this most lucrative business, the Shui family has survived through this generation without falling, so I have to mention the young owner of Shui Ziliu.But now, it is finally in jeopardy.

Before coming here, the Shui family was already preparing for bankruptcy and liquidation.

As a once brilliant businessman on Kuizhou Road, the Shui family still has some super friends, so naturally they have heard about the legendary Xiao Erlang in Qianzhou.

This time, I came here with the hope of just in case, to see if there is any hope to save my family from a desperate situation.As long as he can save the Shui family, even if he sacrifices his life for the one in front of him, there is nothing to be afraid of.

There is almost nothing left, and there is nothing left to lose.

At this moment, Shui Ziliu already understood the meaning of Xiao Cheng's simple answer.

Jiaozi!

The man in front of him put his mind on Jiaozi.

As for the Shui family, it just so happens that they have a wealth of experience in this area.

"Signing the verdict, since the imperial court nationalized Jiaozi, privately printing Jiaozi or similar acts are serious crimes." Shui Ziliu said cautiously.

"Who said I want to print Jiaozi?" Xiao Cheng laughed: "As for me, I just printed some transaction vouchers, and they will not be issued to the outside world. They are only used internally by our business association, which is an internal voucher. , It has nothing to do with the court's Jiaozi."

The water flows silently.

In the past two days, he basically didn't go out much, but just like that, he also saw several big businessmen who are well-known in the south. If these people are all members of their federation, then this so-called certificate, and How is it different from the imperial court?

"The depreciation of Jiaozi in the imperial court is too great, and now it is almost a price every day. Many transactions within our federation have created a lot of filth because of the use of Jiaozi, which has greatly damaged friendship. And the money is also expensive. It's too inconvenient. So everyone discussed it together and planned to issue a certificate within the federation. Each company will deposit a part of the security deposit at the headquarters to ensure the credibility of the certificate." Xiao Cheng glanced at the other party, Said: "In this way, with the guarantee from the headquarters, when everyone trades with each other, there is no need to worry about other aspects. Because once a dispute arises, you can go to the headquarters to file a lawsuit!"

Although it is trying to cover up the obvious, it seems to make sense.

However, Water Ziliu also knows that with the size of these people and merchants in the federation, once they start using it, their downstream merchants will inevitably follow suit. If the federation has always maintained a high reputation, then this so-called certificate , will inevitably have all the functions of Jiaozi.

"What do I need to do to sign the judgment?" Shui said by himself.

"The Shui family has many years of experience in printing Jiaozi for the imperial court. They are not short of skills, and they also have a group of skilled workers." Xiao Cheng said: "So, the Shui family moved to Bangzhou. Your bank is no longer good. I am going to buy it. We will bear all your debts, but you have to take the old guys in your family and move to Bangzhou to settle. The future headquarters of the United Bank will also be located in here."

"United Bank?" Shui Ziliu murmured.

"Yes, United Bank!" Xiao Cheng smiled and said, "You will be the standing director of United Bank, responsible for Jiaozi's business, and Jia Gui, have you met?"

"I saw it!"

"He will be the first big treasurer of the United Bank. The first batch of funds invested in the United Bank is a total of [-] million yuan." Xiao Cheng said: "This is jointly funded by [-] members of the Union, each with ten Wan Guan, I think I can do a lot of things."

The water flows freely.

Even in the heyday of the Shui family, the operating funds never exceeded one million yuan.With a reserve fund of [-] million coins, the things that can be done are far more than this amount of money, but can complete business several times this amount.

"In the future, as the business association becomes stronger and stronger, the United Bank will also have more branches." Xiao Cheng said with a smile: "Anywhere where there are merchants from my association, there should be a United Bank. , to ensure that our members enjoy the best service. Master Shui, would you like to come to Bangzhou and join me in the grand event?"

Is the water flowing by itself qualified to say no?
No, he would.

Very willing to.

Because this is the only chance for his Shui family to make a comeback.

Although the Shui family's bank is gone, the Shui family is still active in this industry. If, if one day, the Federation really becomes a giant, the United Bank will naturally rise. It will be far beyond what the previous Shuishi Bank can match.

Perhaps, this is a great opportunity for him to honor his ancestors.

Maybe it's really a good time, has the ancestral grave started to smoke?
"I am willing, thank you for signing the contract for me, for giving the Shui family this opportunity!" Shui Ziliu stood up and threw his crossed hands to the ground.

"Don't rush to salute, since you have accepted this matter, I have another gift for you!" Xiao Cheng stood up, walked to the bookshelf behind him, took down a thick booklet from it, and handed it to him. The water was given to flow.

"This is?" Looking at the big characters "Finance" on the thick booklet, Shui Ziliu looked at Xiao Cheng in a daze.

"This is written by my father." Xiao Cheng's face looked a little sad, "My father has served as the third secretary for many years, and later also served as the third secretary. Here, he has been dealing with financial tools such as Jiaozi for many years. Originally, he wanted to make a good use of his skills in his position to reverse Jiaozi's unfavorable situation, but unfortunately, in the first two years, he took care of cleaning up the mess of the third secretary. He freed his hand, but fell into a rebellion, and there is no way to implement his ideals anymore. I think, these things he left behind, you should need them, put them here, and waste them.”

This is something left by a technical bureaucrat who has held actual power at the top of the empire for a long time. His level, the things he can touch, and the skills he has mastered are obviously not comparable to water.These things can be used as family traditions.

It can be said that no matter how the future descendants of the Xiao family fall, with the things recorded in this book, they can at least have a meal.

Even in the Song Dynasty, schools and colleges were very popular, and there were more and more scholars, but the things that are really practical are still the secrets of each school.

And Xiao Cheng, unexpectedly gave such a thing to Shui Ziliu without hesitation, and Shui Ziliu couldn't help but be extremely solemn.

Because it was something he couldn't refuse.

Most of what Water Artesian has mastered is some low-level technical things.

There is no doubt that what is described in this financial book must be some strategic things at the national level.

This kind of high-level knowledge has no inheritance. If you want to explore it yourself, you will never be able to touch it in your life.

Put the book on the table, let the water flow by itself, kneel down on your knees, bow three times and kowtow nine times, which is the great ceremony of worshiping a master.

When he accepted this book, he accepted this inheritance, and he should regard himself as a disciple.

Xiao Cheng smiled and watched the water flowing by itself.

A part of this book was indeed written by his father, but he was only a small part of it, and it was revised by Xiao Cheng.

Xiao Cheng placed great hopes in joining the bank.

This thing is used well, it is no slower than grabbing.

Now it happens that the court's Jiaozi is no longer useful. The Federation will start using it from within itself, and expand step by step, and one day it will spread all over the world.

Or in the future, it can also be used to harvest those countries in the outside world, such as the Three Buddhas, Tianzhu, etc., which are really rich countries.

After three bows and nine kowtows, Shui Ziliu stood up, carefully put the book into his arms, and said: "Sign the verdict, I will go back and call everyone, and then move here, one month, you give me A month's time."

"Okay!" Xiao Cheng said: "Go down and find Jia Gui, he will give you enough manpower and horses and horses. After you go back, you don't have to worry about those old debts in the past, someone will help you deal with them."

"Yes, thank you for signing the judgment!" Shui Ziliu saluted again, turned and walked out of the study.

Seeing the water flowing away, Jiang Yingxue came over and said, "Erlang, you must have written this book, right? I read it, don't fool me, I am familiar with your writing habits and tone of voice." Very, that is not the work of a bachelor at all!"

Xiao Cheng laughed, he could hide it from anyone, but it was difficult to hide it from the people closest to him.

He nodded immediately, "You guessed it!"

"Erlang, is there anything in this world that you don't know?" Jiang Yingxue held Xiao Cheng's sleeve with little stars in her eyes, admiringly.

"Yes, there are many, such as having a baby!" Xiao Cheng said.

"I'm telling you something serious!" Jiang Yingxue blushed and said, "If this matter is really going to be done, will it be as powerful as your book?"

"It's really going to be done!" Xiao Cheng said seriously: "We don't have to do anything at that time, just sit at home and print money."

"Didn't you say that you can't send too much spam? The court abolished Jiaozi!" Jiang Yingxue said.

"As long as the market is big enough, as long as someone pays the bill for us!" Xiao Cheng said with a smile: "As long as we always stand at the top of this world, then we don't have to be afraid of such things happening at all. Da Song No, it's because he can't dominate the world!"

"Do you think we will be able to dominate the world in the future?"

"Of course, otherwise, why am I so busy working? If I want to be happy and relaxed, I have already gone to the Northwest to help my elder brother do things comfortably. With my ability, with my elder brother's Wu Yong, although the dream of unifying the world is impossible to achieve, but it is no problem to stand on three legs and divide the world into three parts." Xiao Cheng said.

"Then I'll just wait for that day, the day when I sit at home and print money!" Jiang Yingxue laughed.

"Well, if we really want to achieve this step, maybe we can't do it in this generation, but we have laid the foundation, and in the generation of our son and grandson, maybe we can't do it!" Xiao Cheng said.

"Aren't you afraid that your son and grandson will be prodigal sons in the future?"

"I'm talking about the generation of sons and grandchildren!" Xiao Cheng laughed: "There is a difference here. In the future, our country should be able to do well, and if it can't, stand aside. Even mine Sons and grandsons can’t stand in the latrine and not shit. Even the emperor I want to stand up as a Bodhisattva, how can I let the **** take power?”

"Then what are we working so hard for?"

"Wealth and honor are naturally indispensable for us, and we also have titles. But if you want to be in power, you must have real skills." Xiao Cheng said seriously: "Now I have recruited these people to start setting rules. Of course, we These people will usher in a new era, and in this rule, there are naturally some protective measures for our descendants, so you can rest assured!"

"Of course I'm at ease when you do things, but you didn't throw out all these rules all at once, did you?" Jiang Yingxue said.

"Of course!" Xiao Cheng laughed: "The one who knows me is Yingxue. If I really want to throw it all out at once, these people may not be able to support me like this. Bit by bit, slowly Take your time, boil the frogs in warm water, and when they find out about this, they can’t stop.”

"Well, just as you said, when the wheels of the times are rolling forward, anything that tries to stop his progress is tantamount to blocking the car with his arms and bringing himself to perish!" Jiang Yingxue laughed.

"Did I say that? You remember it clearly!"

"Of course I remember clearly. I remember every word you said clearly." Jiang Yingxue looked at Xiao Cheng, implying something.

"Don't worry, I won't forget, there's still one and a half years left, and I'll carry you in in a red sedan chair!" Xiao Cheng laughed loudly: "Don't mention me so secretly, I understand!"

(End of this chapter)