The day after Jiumei took away the giant deer sword.
News came from the Japanese in Furong Garden.
When the captain of the Japanese caravan heard about Bai Song's performance in Miao territory, he was very grateful to Bai Song and invited Bai Song to visit Furong Garden.
Bai Song readily accepted it.
He had an intuition that a lot of things would happen when the Japanese visited Tang Dynasty.
And I often interact with Japanese people.
Therefore, it is not a bad thing to contact Japanese people first.
At the same time, Qing'er temporarily separated from Bai Song.
Bai Song said that she was no longer from the Mo family, which was a bit cruel, but it also made Qing'er understand her identity better.
In the capital, there is Mobai Money Bank, which she managed single-handedly.
On the surface, the bank is still operating, but in the dark, the intelligence organization has been paralyzed for half a year.
Except for the direct descendants of the Mohist family who were controlled by the imperial court, there was still a group of intelligence agents who did not belong to the Mohist family and had no one to organize them. They had returned to their role as civilians half a year ago.
A paralyzed intelligence network needs to be restarted.
After Qing'er understood her identity, she became more pure when working for Bai Song.
Liu'er also followed Qing'er.
Liu'er's purpose is very simple. He needs to use Qing'er's intelligence network to find out about the defected witch.
So she had no reason to stay with Bai Song.
Although Liu'er wanted to stay with Bai Song uncontrollably.
Love Gu is changing Liu'er's every move. Originally a group of ordinary friends, because of the connection of a bug, the little girl's emotions that she has never been involved in explode like a torrent, silently accumulating in her heart.
It was the first time she was separated from Bai Song, and the little girl felt restless all the time.
The two women returned to the bank and entered through the backyard.
A group of strange guys looked at them, frowning.
"Who are you? You can't come in here casually."
"You two girls, are you going to the wrong place?"
Good-looking girls receive varying degrees of preferential treatment wherever they go.
When the guys saw the appearance of these two people, their voices became gentle involuntarily.
"Is your shopkeeper here? Let him come to see me."
Several waiters looked at the two of them up and down. Others would have yelled, "You are so loud. Are you the shopkeeper who you can meet just by asking?"
But the appearance and clothing of these two men were extraordinary, so the guys were thinking, could they be the bank's big clients? They, the little guys, couldn't afford to offend them.
Thinking of the guys, I asked you two to wait in the backyard, and then went to the front hall to pass the message.
After a while, a young man came out holding a book, with a bookish look on his face, which was completely different from the temperament of the merchants in the market.
This person is Xie Yuan, Bai Song's classmate and friend.
"Who?"
Qing'er didn't know this person, but she heard from Bai Song that the current bank was run and looked after by classmates from the academy. Seeing this person coming out holding a book, and hearing that the Spring Festival was about to be held in the capital along the way, she knew that this person must be Bai Song.
Song's classmate.
"Are you Bai Song's classmate?"
"Yes, who are you?"
"My name is Qing'er, I'm from Bai Song... I'm the shopkeeper of the bank."
"Qing'er...Miss Qing'er?"
Xie Yuan thought of something and was a little surprised.
Except for Yu Qingqing, no one in the academy had ever seen the former shopkeeper of this bank.
I only know her name is Qing'er.
Today, a Qing'er came without any warning, and Xie Yuan was a little at a loss.
He thought for a while, first he needed to confirm his identity, then turned around and told his assistant to go to the Yu Mansion to call Yu Qingqing over immediately to see if it was really Qing'er.
Then he held his hand to Qing'er and said, "Girl, later on, I will ask someone to come over and confirm the girl's identity. After all, the bank's business is not small..."
"Understood." Qing'er simply responded and stood aside silently.
Liu'er looked at everything around him. He had just arrived in Chang'an and felt that every place here was full of novelty.
Xie Yuan looked at Qing'er. He knew that Qing'er was a girl, but he didn't expect that she would be such a beautiful girl!
It's a pity that such a good-looking girl comes out to be a shopkeeper.
Xie Yuan was in a daze for a while, and then he remembered to invite Qing'er inside to sit down.
Ask someone to bring tea, and then ask: "Where is Bai Song? How is he?"
"We should be back soon."
"How has he been doing during the past six months?"
"Young Master can ask Bai Song personally after meeting him."
Xie Yuan said nothing more, he only sighed in his heart.
This girl is so cold.
There was an endless stream of customers in the front hall. Qing'er took a moment to observe and found that in the short time she just came in, there were more customers coming to the bank than in the previous day.
Qing'er was very satisfied with this and nodded approvingly like a manager: "I didn't expect that you could run the bank so well in the past six months. It must be very hard for the young masters."
Hearing Qing'er's approval, Xie Yuan smiled strangely, as if he had something to hide, he hesitated and said: "It's just average, not as good as the girl said. I... I'm just afraid that Bai Song will come back and complain.
"
"Complaining? Where do you complain?"
"Well... let's wait until the girl's identity is confirmed before we elaborate."
As soon as he finished speaking, a handsome boy rushed into the bank and stood at the door looking around.
Qing'er recognized her at a glance.
That's Yu Qingqing.
She still looks the same as before, she is still dressed in men's clothes, and she can still be recognized as a girl at a glance.
The difference is that girls now are much taller and slimmer than they were half a year ago.
"Sister Qing'er, it's really you!"
Yu Qingqing also caught sight of Qing'er and ran over quickly with joy on her face. The next thing she asked was: "Where is Bai Song!"
Qing'er frowned slightly, and then she realized deeply how popular her husband was with girls in the capital.
This young lady from the Yu family is also a little female cat who only wants to take food from her own mouth.
Qing'er smiled and whispered: "I don't know when he will come back."
Upon hearing this, Yu Qingqing immediately showed a disappointed look on her face and said lightly: "That's it..."
The little girl's disappointment flashed away, and she turned to stare at Qing'er overjoyed: "Sister Qing'er, when you come back, do you mean that the matter has been resolved? You can continue to stay in the capital?"
"There should be no problem."
"That's great. I'm bored to death at home alone, and I'm worried that no one will play with me."
"I'm afraid that the next period of time will be very difficult. It's been half a year since I left you, and there are a lot of things to deal with."
Xie Yuan watched the conversation between the two and knew that Qing'er's identity was true.
Seizing an opportunity, Xie Yuan said: "It's good that the real master is back. I have time to read seriously. Spring is only two months away. If I fail the exam, I won't have the shame to stay in Chang'an."
Qing'er noticed Xie Yuan and remembered the previous topic: "Sir, can you tell me what you just said?"
Xie Yuan's face turned pale and he said coyly: "Although there are many customers at the bank now, most of them are buying the financial products launched by Bai Song. There are more people buying financial products now, and they can cash them out every month.
There is also a lot of interest, and the bank is afraid that it will be out of money within a few months. I calculated an account before and found that the bank now has a hole of one hundred thousand taels of silver from top to bottom. If there is no more profit, it will be gone in three months.
Not in stock."
"One hundred thousand taels!"
This number really shocked Qing'er. She almost lost her grip on the teacup in her hand and quickly put it down.
"Girl... this... this... we just followed Bai Song's original business content, and we didn't spend Bai Song's money carelessly." Xie Yuan explained repeatedly.
Yu Qingqing was indignant after hearing this and said in surprise: "What did you say? One hundred thousand taels! The imperial court does not have one hundred thousand taels for military expenditure for a year! You have lost one hundred thousand taels in half a year? Is this how you guys take turns visiting the store?
It’s really useless, isn’t this causing trouble for Bai Song?”
When Xie Yuan heard this, he couldn't even raise his head.
A group of scholars don't know much about the bank's business. Anyway, they just listen to what the original clerks say about the bank's business, and they follow it.
They think that the bank is a profitable business, but never think that it is a losing business. As more and more people come to save money, the hole in the bank's losses becomes bigger and bigger.
A group of scholars still don't understand the principle, let alone the significance of the financial products launched by Bai Song.
Qing'er couldn't sit still and quickly went to look at the account book.
A month's account book is several hundred pages thick, and it's impossible to read it all.
But I can get a rough idea.
I heard that the financial management products of banks are very popular, and people are getting interest from them and enjoying the benefits. More and more people are rushing to buy them.
For every financial product sold, the bank loses 12% every year.
Bai Song's original idea was to use financial products with high annualized rates to open up the market and change people's perception of banks and banknotes.
After that, gradually reduce the annualized rate of financial products, and then use the money raised to invest in other projects to achieve profitability.
However, due to the intervention of the imperial court, Bai Song had to leave the capital, and the bank was left to a few classmates to run.
And Bai Song didn't have time to inform him of his plan. Now the market is open, but the interest rate has not dropped. Such high interest rate must put great pressure on the bank.
In just six months, the money bank in Beijing had a hole of one hundred thousand taels, and the money bank in Youzhou has not yet achieved a balance of payments.
Qing'er realized that her husband-in-law was in big trouble.
But things have happened, and there is no point in regretting and worrying.
Qing'er pretended to be calm, put the account book back, and said softly: "It doesn't matter, everything will be solved when Bai Song comes back. Now leave the bank's business to me."
Xie Yuan felt a little guilty, feeling like he had caused Bai Song to pay for it.
Although I wanted to say a few words to Miss Qing'er, I felt that it was not suitable to stay here for a long time, so I left quickly.
Qing'er took over the bank and called all the clerks over. The first was to introduce herself, and the second was to suspend all financial product business.
Then, Qing'er returned to the backyard and looked at a group of homing pigeons kept in the corner of the backyard.
I took a pen and paper, tore it into many small pieces of paper, drew a copper coin mark on each piece of paper, wrapped it around the legs of each homing pigeon, and finally released them.
Finally, Qing'er said to Liu'er: "Just stay in the capital and wait for news. The young master's people will help you keep an eye out for any traces of the great witch."
