The sun set, and there were fewer pedestrians coming and going on the street. Xu Ping stood up and said to Wang Yaochen: "We walked ahead and said that since the cotton cloth was listed, the whole city of Luoyang has been like crazy. Even the people in our yamen said that Luoyang City is very profitable now. Even if they stand on the street, copper coins will fall from the sky and hit the head."

Wang Yaochen smiled and said, "Although this is a bit exaggerated, it is not too outrageous. If you look at the outside city, there are not many people in Xijing. Even if you only have the strength to pick up a handful of grass, you can make money. To be honest, Henan Prefecture now collects more commercial taxes in half a month than last year. However, many of them are in the bank's accounts, and I have no cash in my hand. Instead, I have to exchange the flying tickets brought by merchants from other states. I have to pay for them. After a while, Henan Prefecture still owes the bank's money!"

Speaking of this, Wang Yaochen spread his hands helplessly and shook his head repeatedly.

The money house is a new thing, and it is still habitually not used as ready-made property in the hearts of Wang Yaochen and others. After he went through the trouble, Henan Mansion had only a large handful of flying tickets left, and all the money was in the money house. He felt a little unwilling to do so. To turn the money house into a bank bank, just a change of concepts requires great efforts. In the future, it will be bank banknotes, and most of the wealth will be hung on the bank account, and all of them will be printed into money, and prices will rise to heaven.

Xu Ping smiled as he walked: "Don't always stare at the money shop, look at which state troops in his hand come from, and list them one by one. When it's okay, send letters to those state troops and tell them that Chang 2 owe you money! You are the world's largest creditor now, so you have to have the majesty of a creditor."

"Majestic? I'm afraid that Sanshi will check the account of the flying ticket at that time, where can I find a reason?"

After hearing this, Xu Ping turned around and said seriously: "Boyong, this is not a casual statement. In the past, the flight tickets of the various states were not large, because the transportation of copper coins was inconvenient, and the three departments ticked the accounts. Now it is different. Not to mention the amount of flight tickets in your hand, it is the blood and sweat earned by the field affairs and various fields. It cannot be dismissed out of thin air. If the three departments were dismissed, the Henan Prefecture should have sufficient money and food with cotton cloth, and its political achievements were brilliant, and it suddenly became a debtor. You can't explain it to your subordinates!"

Wang Yaochen sighed: "I know, not only can't explain it to my subordinates, but the entire Jingxi Road cannot explain it. Am I worried? The amount is so large, where can Sanshi find so much cash to make up for it?"

"Then Chen Zhaoyu will have a headache. We local officials can't take care of so many things!"

Chen Zhizhong received the three envoys. Kaifeng Prefecture had the foundation left by Xu Ping, and the central government should have sufficient finance, but how to deal with the Henan Prefecture account was a great test for him. In Xu Ping's view, the easiest way now is to establish a central bank, settle the bank system, and straighten out the national financial system. If you still pay copper coins on the books as before, even if you transfer all the copper coins from the warehouse to Henan Prefecture next year, you will be far from filling the holes.

Generally speaking, there is no copper coin transaction between states, and the flying tickets are not settled between states. The amount of flying tickets is issued, and together with other tax items, the copper coins are sent to the capital, and the three departments will be liquidated uniformly. In addition, the newly cast copper coins from the warehouse every year, the three departments can roughly ensure the balance of cash in the country. However, this year, the cotton cloth in Henan Prefecture suddenly went public on a large scale, and the value of the money is likely to be the national two-tax income, and the old liquidation system is overwhelmed.

Bank finance emerged in response to the needs of the commodity economy. When the commodity economy was developed, the banking system would inevitably come into being. Because specific conditions may be different from people's understanding and appearance, but basic functions must be possessed. On the contrary, if the commodity economy does not develop to that point, forcibly giving birth to banks will only be a mirror and cannot play a role.

Not to mention banks, even the money house that Xu Ping first set up, without the sudden burst of cotton cloth, people will die when Xu Ping leaves. It’s nothing more. There is no strong demand in society, that is, it’s unnecessary, and excess things cannot last long.

This year, cotton cloth marketing is accompanied by the flow of huge amounts of funds across the country. This kind of liquidity requires banks to appear, and cotton cloth transactions cannot continue without the next year. Xu Ping was also very curious. With the insights of officials in this era, what solutions would they propose to solve this problem? Is it the original bank? Or some monster?

Not long after walking, I saw a tall man picking out on the roadside in front of me, with exquisite patterns embroidered on it, and four large characters "Longmen Clothing" were written in the middle. It was the shop run by Sister Tang, Qin Ersao and Sister You Sanjie. It should be called a garment company now, and "Longmen Clothing" has become their trademark.

Xu Ping said to Wang Yaochen: "This is the first company to expand its business scale from a money house borrowing. I don't know if it has lost or made a profit yet. Let's go and take a look. They have done a good job and are a role model. In the future, the lending business of the money house will have many benefits."

As he said that, he went to the shop with Wang Yaochen.

A servant in front of the door didn't know Xu Ping and Wang Yaochen, so he hurriedly stepped forward and greeted: "Do you want to make cotton coats? You wear them yourself?"

Xu Ping waved his hand: "You go and go your own things, let's take a look."

Although both of them were wearing casual clothes, their temperament was still there. In addition to the Tan Hu and the guards following behind, the servant could see that they were not ordinary people. He muttered in his heart and went to the side to work on his own.

When I entered the shop, there were kerosene lamps lit inside, which were as bright as daylight. At this time, there were still a few customers there to measure the size of the shop, and the business was indeed booming. However, the most conspicuous one was the rows of ready-made clothes placed in front. As long as it was not particularly particular, you could choose one from here to wear, which was much cheaper than sewing it on a special tailor.

I turned around and looked at it casually. When I arrived at the counter, I saw a woman in her fifties standing in the corner next to me, wearing a colorful cotton coat, eagerly bargaining the price with a woman in her thirties in front of me.

The older woman said, "Second sister-in-law, the cotton cloth has been sold more and more recently, and the price has dropped. The business is not easy to do! You can reduce it again if you have to pay a few dozen cents less. I will go home and give my grandson the fruit to eat."

The young woman said, "Mom Gu, we are not alone in our business, so it is not easy to make a decision. The price has been set a long time ago. If you want to collect it, take it away. The price is not easy to say."

The women in Luoyang have a very high status in the country. With the development of business, many women have participated in the business tide. It is common for them to show up in public and everyone is no longer surprised. When Xu Ping and Wang Yaochen saw that the woman was not going to buy clothes, they were curious and stood there watching the two women bargain for the price.

When a female envoy who was looking at the clothes on her clothes saw him, she curled her lips and whispered: "That mother Gu has made a lot of money from our shop. She always wants to take advantage of her. She is really shameless! Qin Ersan is honest, how can she talk about her?"

Xu Ping couldn't help but ask, "What is she doing?"

"The cloth head collects! The store always has to cut a lot of rags to make clothes. She took them back and sold them to make a lot of money!" 8
Chapter completed!