He could not leave the city, and he was not familiar with anyone except Du Fuwei's family in the city. Yin Qingfeng simply did not even leave the house.

In the morning, he stayed in his study to write textbooks. In the afternoon, he taught two freshly released fashion designers.

For both of them who are used to using brushes, they should first adapt to the use of pencils by simply drawing.

Sketching was something that Yin Qingfeng was forced to learn in extracurricular classes when he was a child. Although he had been left behind for many years, he could still remember some of the general key points.

Designing clothing is not about painting Chinese paintings. Just be able to outline the lines clearly, the key is creativity.

These two female teachers who changed careers have some painting skills and their concepts of clothing are also more novel than others. With his guidance, they are perfectly competent for the Tang Dynasty version of the costume designers.

On the afternoon of April 28, Cheng Chuliang suddenly came to the door.

After he handed Yin Qingfeng a letter, he left without stopping.

The letter was handed over by Li Shimin, and there was only one content: Imperial Bank, which opened on time on May 1st and opened on time.

Just a short line of words made Yin Qingfeng's heart surging.

According to the inertia of human historical development, banks are the product that only appears at a certain stage of the development of the commodity currency economy. However, why can't banks be established first and in turn promote economic development?

Since God allowed him, a modern soul, to live in the time and space of the Tang Dynasty, he should have thought that he could cheat here.

With banks and passbooks, whether civilians or merchants, they no longer need to carry a large amount of copper coins and cloth when they go out to buy. The currency that restricts economic development can no longer block his next plan because of insufficient total amount.

Passbooks can be used as banknotes, but they are different from banknotes.

When banks issue paper money, they must follow certain principles. He couldn't explain these principles to Li Shimin clearly.

If he proposed to Li Shimin to issue paper money to replace copper wire, not to mention the wrong timing, the biggest possibility is that paper money is flooded and prices are rising...

A passbook means first depositing the "money" and then getting a "discount". In this way, the passbook can replace paper money, and there is no concern about excessive issuance of paper money.

If it is believed that the release of a passbook will solve the money shortage that has caused Li Tang's headache, then it would be wrong.

Without the exchange of new and old money, the total amount of money in the Tang Dynasty was still insufficient.

It is possible to remove all kinds of losses and increase the total amount of Tang Dynasty copper coins after exchange. If those families with cellars also take out gold and silver to exchange, it is possible to increase ten times or twenty times.

Just like modern people swipe cards, they don’t see paper money with their own eyes, and they reduce their penis from their pockets, and when shopping, people lose a lot of concerns.

The emergence of passbooks can not only facilitate shopping, but also stimulate consumption.

The families who don’t have much wealth in their family still dare not spend money big, but those families that were originally rich are different. They originally wanted to enjoy it but dare not enjoy it. Now that the wealth has increased ten times and twenty times, there will always be people who can’t help it.

Once the currency enters the circulation field, it will form a virtuous cycle.

If you spend your "money" unconsciously, you have to find a way to make money again. This is just like the vicious cycle of the moonlight clan enduring the pain and fatigue of overtime and not daring to quit.

As long as a family with financial resources invests in business activities, doing business will no longer be a low-key business. Doing business will be the basics of maintaining family prosperity. The commercial economy will slowly replace the agricultural economy. The commercial tax will slowly replace the agricultural tax. Land annexation will be curbed, and the contradiction between population and land will be fundamentally resolved...

Yin Qingfeng called Yuemei to the study, "Girl, put this letter away. I want to pass it on to my children and grandchildren."

Yuemei was a little confused.

She was not the words that confused Yin Qingfeng, but his expression.

Usually, the husband smiles humbly when facing outsiders; he smiles gentlely when treating the servants in the villa; he smiles jokingly when playing with her... But now, she can't describe the smile on the husband's face, and she just feels... she wants to see such a smile forever, every day.

"What's wrong?"

"Oh~~~~~~" Yuemei turned around happily and a little shyly.

Yin Qingfeng's desk imitates the style of a modern desk. From the appearance, there are multi-layer drawers in front. At the other end, there is a small mechanism below. Just press down, a large drawer will pop up. Inside, there is Yin Qingfeng's secret.

There are two more desks in the villa.

Yin Qingfeng didn't know why she suddenly had this expression, "Do you want to change into a dress? Let's go to Changlefang now."

Yuemei raised her head in surprise, "Can you go and see the little god's will? Mr. Wang quickly take Yuemei away."

After arriving at Du Fuwei and chatting with Du Fuwei for a few words, Yin Qingfeng said the main topic, "Sister-in-law, I wonder how much copper coins are in the warehouse now."

All the silks received by Xianjufang were transported to Shengpingfang for storage. Some of them were transferred to the garment workshop and some were purchased. The copper coins were placed in Du Fuwei.

Shan Yunying smiled and didn't answer, but instead asked Yuemei: "Sister, guess how much property your pretty husband has saved for you?"

Yuemei was teased by her and didn't know how to reply for a moment. She looked at Yin Qingfeng with a red face. Seeing Yin Qingfeng also looked at her with a smile, she immediately lowered her head.

Du Fuwei laughed there, "My brother and sister are still young, don't tease her with such words."

Shan Yunying gave him a blank look, "You call her brother and sister, why can't I say it?"

Yin Qingfeng ignored the couple's love and showed off their love. Yuemei's shy look was never enough.

Shan Yunying and Du Fuwei had a few words and went to joke with Yuemei, "Sister, why don't you take care of the accounts? Otherwise, your sister-in-law will give your husband's money to be greedy."

Yuemei finally recovered a little, but Shan Yunying said it red. She grabbed Shan Yunying's arm, "Sister-in-law~~"

In his coquettish voice, Yin Qingfeng felt sore, and Shan Yunying quickly surrendered, "Okay, okay, don't shake it, sister-in-law is wrong. He is not your husband, and his money doesn't need to be taken care of by his sister."

"Hahaha..." Even Yin Qingfeng couldn't help it this time.

"Hmph! Ignore you."

Yuemei ran out shyly, "Yuemei went to see the baby of heaven."

Yuemei went out, and Shan Yunying also put away her smile, "Xianjufang has been open for a year. With Feng Di's share in the Qiwei Building, it is a total of 2.93 million guan."

Yin Qingfeng had a rough number in his mind, and Shan Yunying reported slightly more than he expected.

The Shiweilou is about 600 guan a day, 220,000 a year, and the rest comes from Xianjufang. The biggest income of Xianjufang comes from soap. On average, the profit of soap is between 150,000 and 180,000 per month.

After a clear idea in his heart, Yin Qingfeng called Yuemei back.

After Yuemei, who was still a little shy, sat down, he said, "I'm here this time, I'll discuss some things with my brother and sister-in-law."

Du Fuwei and the other two held their breath and looked at Yin Qingfeng.

"I had previously proposed to the King of Qin to establish an Imperial Bank."

Then, he explained his idea of ​​the bank.

After seeing Shan Yunying nodding thoughtfully, Yin Qingfeng continued, "As long as everyone in Chang'an goes to exchange, their family's money can increase several times.

Take Ziweilou as an example.

Those who were originally limited to money-shortness now dared to go in; they could only go once a month, but now they can go three times, four times, or even more.

You said...what should we do?"

Shan Yunying immediately reacted, "Expand the Qiwei Building!"

Yin Qingfeng pointed, "Yes! Expand! If there were only one thousand people who used to eat often, after exchanged copper coins, it would be increased to at least ten thousand people!"

Now, even Du Fuwei and Yuemei reacted, and the two looked at Yin Qingfeng excitedly.

Shan Yunying also said excitedly: "Even if it doesn't increase ten times, even five times~~~"

"Ahem!"

Yin Qingfeng interrupted their imagination, "Now my sister-in-law can send someone to discuss the purchase of the shop."

Shan Yunying stood up with her eyes wide open and was about to walk out.

When she thought about the income of more than one million yuan a year, she could no longer sit still. With so much money, she would not have to worry about the marriage of her twenty-four adopted sons. With so much money...

"Sister-in-law, wait."

Yin Qingfeng called the excited Shan Yunying, "I brought a drawing, brother and sister-in-law, see what I need to modify."

The current Siwei Tower, like other buildings in Chang'an City, is a bungalow. This drawing is double-storey. In order to avoid the collapse of the building, the load-bearing wall will be extra thick.

The expanded Qiwei Building has a scattered mat downstairs and a private room upstairs. For different numbers of guests, the scattered mats are divided into round tables and scattered mats, and the scattered mats on the opposite scattered mats.

Originally limited to financial resources, the decoration was not luxurious enough, so now there is no need to worry. Celebrity calligraphy and paintings, high-quality incense, high-end wood... How to get the grade?

"When my sister-in-law bought all the shops on both sides and renovated them together with the current Temperament Building. It just so happened that my brother was also in the city recently, so Ren San also took this opportunity to learn a few more dishes from me."

When the three of them heard that Yin Qingfeng had a new dish, their eyes shone brightly, and Du Fuwei even exaggeratedly glanced at Yin Qingfeng.
Chapter completed!