Chapter five hundred and forty-seven: financial resources
As an old man who runs a boat, #Zang Jian is now experienced and waved his hand and said, "I entered the port one by one, and he fucked the main sail. We are loading the goods, not robbing. The ship must stop steadily, who dares
I broke the pier, and I cut him off!"
Dozens of large ships slowly entered the huge harbor in turn. More than 30 trestles have been built in Ningbo Port. At this time, the water digger has boarded a large ship on a small boat and guided the large ship into the port.
On the shore, countless people looked forward and exclaimed. Many people even saw so many big ships for the first time. Although Jiangnan is a water town and Zhejiang is a seaside, due to the sea ban, it is almost impossible to see on the sea surface.
to any ship.
Now, the big ships are firmly leaning on the pier. The shopkeeper Qian from Ruyifang shouted without saying a word, "Customize the goods."
The accounting room of the sea placing commander on the ship was taken down with the list, and the people from Ruyifang also sent out the accounting room, and then they began to check the goods, count the goods, and after counting, hundreds of thousands of porters began to load the goods on the ship, the whole thing was
The port was boiling, and boxes of cargo were carried onto the ship and entered the cabins in different categories. It would take at least one day to get all the cargoes piled up.
At this moment, #Zang Jian had already taken off the boat with a group of sailors and found Xu Qian. He smiled at Xu Qian and gave Xu Qian a bear hug without hesitation. This guy was covered in sour smell.
God knows how many days I haven't taken a shower, so Xu Qian can only smile bitterly.
Xu Qian said: "You need to count the goods as soon as possible. Pay the money immediately after counting them. In Ruyifang, the purchased goods have not yet been paid off. The merchants are waiting to get the money."
#Zan Jian laughed and said, "Will the yamen of the magistrate's office be owed the final payment?"
Qian Yi, who was standing aside, was indifferent to the merchants and his facial expressions were stiff.
#Zan Jian couldn't help but be amazed and said, "What kind of world is this? Even the yamen don't believe it anymore. As expected, there is no good thing for the merchants." After complaining, he had to whisper a few words to the people around him.
Immediately afterwards, boxes of silver were moved out of the ship. The staff of Ruyifang immediately went to check. After confirming the amount, they reported it. The merchants were excited and looked at Qian Yi again.
Do you do business? If you haven’t obtained the money, everything is fake. Although everyone has supplied goods to Ruyifang, isn’t this the money yet?
Qian Yi also smiled bitterly, which shows that things like credit are nonsense in front of real money and silver. So he said: "Ruyifang has set up an account room upstairs. Those who want to settle the money can get the money."
After hearing his words, hundreds of merchants cheered together. In fact, it was not just these hundreds of merchants who supplied goods. This transaction volume was as high as more than 200,000 silver patterns, and thousands of merchants benefited from it. After all, merchants were divided into
The upstream and downstream produce finished products, but the downstream merchants provide semi-finished products to the upstream merchants, such as silk merchants, and transferred the goods to Ruyifang. Ruyifang gave the Sea Road Pacification Envoy Department and the Pacification Envoy Department to Shuangyu Port for sale.
Go out, but don’t forget that the silk merchants need to provide raw silk for downstream merchants, and also need dyeing workshops to dye and print patterns. This is a matter of time. Don’t think that it’s just a transaction, but there are many people involved.
Of course, this is the first time that the sea plagiarism commander has come to pick up the goods. In the future, the transaction volume of goods will increase and become more and more frequent. After all, the demand for goods in the Ming Dynasty is too large, and there are too many countries with demand.
.
Many merchants have already rushed upstairs with bills and brought the contract to the third floor of the tea shop. Sure enough, they found that there was an account room here, and dozens of people were busy. It was just a confusing thing that was just
Where is the silver in a space of dozens of feet in a radius?
Could it be that it is not cash bank delivery?
This made those merchants in a hurry feel a little more suspicious.
First, a merchant surnamed Liu came forward and took out his bills and contracts. This time, he provided Ruyifang with more than 700 pieces of silk. In addition to the deposit given, there was a balance of more than 4,000 taels of silver. At that counter
After confirming the authenticity of the account, the drawer under the cabinet was opened. After a while, a stack of bills were taken out. The bills were covered with seals, with the words "Ruyifang Money House Pass" written on it, and there was a silver pattern.
After counting numbers such as 100 taels, the account room counted and totaled 4,230 taels of silver bills were given, and handed over to the Liu Dong family.
Liu Dong's family was speechless. It was true that they were not paying cash. The money they gave to themselves looked like silver bills no matter how they looked.
It should be noted that merchants in the Ming Dynasty had a bad impression of silver notes. The government also issued money notes. From Taizu to the present, the history of silver notes in the government has exceeded hundreds of years. However, the government issued money notes without the gold standard.
Once you say that if you print it, the result is that the silver bills are flooded. From the beginning, the hundred taels of silver bills were exchanged for hundreds of taels of cash. Later, even fifty taels were not exchanged. The silver bill transaction was the most deceptive.
If the silver bills are put in hand and delayed one more vote, they might depreciate by 10% the next day. If it is ten taels of silver, it would be fine, but if there are hundreds or thousands of silver bills, the losses are astronomical.
Liu Dong's family was naturally dissatisfied and said, "What does this mean? It's not why the silver bills are issued? I want the silver bills."
After hearing what the Liu Dong family said, the people behind him also started to clamor. Real money is the real money, and the silver bills are all the time. Everyone has been deceived by many people and will definitely not be allowed to do it again.
Everyone would rather have trouble trading in cash than accept money.
The account room was simply said, "This is the rule of Ruyifang. To trade, you must use the money bank's money. Moreover, this money bank is issued by Ruyifang, which ensures that it can be fully exchanged at any time. If you want to settle the money, you want to pay the money.
, The rules can only be done in this way. If you are worried, you can go to the money house to exchange silver at any time. If you have doubts, it doesn’t matter. You can go to the money house to exchange immediately."
After hearing this sentence, many people calmed down.
Yes, you can't exchange it immediately. No matter how much money in Ruyifang depreciates, it will never depreciate on the same day. After taking the money, you can cash it out immediately.
After making up this idea, Liu Dong's family took the money and ran away without saying a word.
As soon as I went out, I was too lazy to ride a carriage. There were so many people here, and I didn’t know when I would take a carriage, so I simply shuttled through the crowd, rushed to the money house not far away, and took out the money to exchange it. In fact, it was already
Just take it seriously. The money house has hundreds of thousands of yuan in its deposit, so it is not afraid of a run. It is well prepared and quickly paid the full amount of money. The Liu Dong family breathed a sigh of relief.
However, the Liu Dong family had just received the money, and at this time more and more merchants had come. These were merchants who had paid the final payment and held a large sum of money in their hands. After all, they were worried.
It is true to make money.
But everything is cashed out in large amounts, and the speed of payment by the bank will inevitably slow down a lot.
And the money house was already surrounded by a lot, and everyone was waiting anxiously, for fear of being a beat slower.
After this day, nearly 70% of the people did not exchange the silver. These people were anxious and naturally couldn't sleep well at night. Holding this thin piece of paper in their hands, he was extremely nervous, afraid of waking up.
Come on, the price of money plummeted. If this is the case, it will be called "daily" and "daily" and "daily" is not working. For the purpose of supply, everyone has spent a lot of time studying, and the investment cost is also quite large, thousands of taels.
The net profit of silver is at most 500 taels. If the money drops by 10% or 20%, not only will it not make a profit, but it will even lose money.
The next morning, the large ship of the sea supplication commander was still anchored in the port. Obviously, there were still many cargoes that had not been counted and loaded. The Futai Lord and a group of officials naturally rested in Ruyifang. The dawn of the morning was revealed.
At that time, all walks of life began to get busy again. The porters were still busy on the docks, and workshops were also started. Carriages loaded with goods and transporting raw materials were flowing continuously. These merchants rushed to Ruyi Money House in vain.
After inquiring, it seemed that the money was not depreciated, so everyone felt relieved and gradually improved the money at hand.
By the third day, the money still did not depreciate. In this way, everyone realized that the credit of Ruyi Money House seemed to be different from that of the government. So some people couldn't help but think about it, and then they found that Ruyifang and the money house had already been
After posting a notice, they all talked about how to print the money, that is, how much money is printed, that is, how much money is printed, and they will never be printed privately, and they will definitely ensure that the money can be fully exchanged at any time.
In fact, the benefits of money are very good, especially for big merchants. No one has any idle pain to trade with people with thousands of taels of silver, and carry hundreds of kilograms of metal to buy raw materials from people. It is obviously a
Such a very stupid behavior, not to mention that accidents are prone to accidents, and carrying them is extremely inconvenient. Now the trade scale in Zhejiang is getting bigger and bigger, and the current bank obviously cannot meet this demand.
Money is easy to carry, and it is written in black and white. There is no need to worry about the other party’s silver quality. There is no need to take out a small scale when trading and weigh the silver pounds to prevent the other party from tampering with the money. If it can be exchanged at any time, it is guaranteed.
The issuance of Ruyifang money will not depreciate every few days, and the issuance of Ruyifang money is definitely good news for merchants.
Therefore, some merchants were also careful and were not in a hurry to cash out all the money at one time, leaving behind a few hundred taels of money. They wanted to see that this Ruyi Money House was really so trustworthy.
When some merchants gradually accept money, more people will change their previous trading methods and gradually become a form of currency accepted by all merchants. Once merchants accept it, other gentry and people will naturally
Willing to accept it.
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