Chapter 191, Volume B, Qiao Ping'er (Additional update for the leader of Xingyu Tianyan!)
I was wondering when Wang Xifeng would come to get the money. If he really didn't come, I would have to find an excuse to ask. I didn't expect that Wang Xifeng was so enthusiastic and efficient in borrowing money. Before the spring break was over, he came. I sent Ping'er to Feng Mansion to borrow money.
Fifty thousand taels of silver is not a small amount.
Since Wang Ziteng knew about this, it was easy.
Wang Ziteng didn’t say much, but Feng Ziying knew one thing, that is, Wang Xifeng had already informed Wang Ziteng of the matter.
This is enough. No matter what Wang Ziteng's attitude is, the money must be handled according to the established plan.
Feng Ziying is unwilling to take any risks and would rather buy peace of mind.
At present, the bank business is only in its infancy. In the 30th year of Yuanxi, the imperial court officially approved the establishment of Qianpu Qianzhuang or Yinzhuang Yinhao. Its initial function was to exchange gold, silver and make money.
Due to the particularity of this industry, the establishment of a money shop bank account requires a wealthy gentry with a clean family background and considerable influence and prestige in the local area, and the local government must issue a guarantee document recognizing this person's identity. Handled.
Therefore, although it was approved by the imperial court thirty years after Yuanxi, there were not many money shops that could actually be opened on the streets in various places, and they could only be found in capitals such as Jingshi, Jinling, Suzhou, Yangzhou, Datong, Taiyuan, and Hangzhou. There are only a few in Dayi.
Although it has experienced more than ten years of development, the development is not fast because the government has high standards and the general gentry and noble families are afraid of affecting their reputation and are disgusted with this kind of business.
The actual business of depositing, lending and lending money has only appeared in these bank accounts in recent years, and most of these bank accounts are also mixed with pawnshops, rice banks and other businesses.
This is also to alleviate the worries of depositors and lenders. After all, the money is with you. What if you run away or go bankrupt? If there are other ways to earn a living, it will undoubtedly increase the confidence of savers.
Look at other businesses such as rice shops, oil shops, or cloth shops. They are all owned by the same boss, so they will not collapse and run away all at once. This will also make it easier to gain the trust of customers.
But according to Feng Ziying’s understanding, there are only about a dozen banks like this in the entire capital city, and they are not large in scale. It can even be said that they are all dependent on other industries, and truly professional banks have not yet appeared.
In Datong, which is also considered a big border city, there are only one or two such money shops that also run money shops. I don’t know if there are such professional bank banks in Suzhou, Yangzhou and Jinling, areas in the south of the Yangtze River where the commodity economy is more developed. 's appearance.
Really wealthy families generally prefer to store gold and silver at home, either digging caves and secret rooms to store them, like the Feng family did in Linqing, or building special warehouses to store valuables, where It is generally the most important place in the family, and the guards are basically the most loyal and reliable family members in the family.
Feng Mansion is no exception.
Among the nearly 100 people in the Feng Mansion, the most important job for a real man is to guard the treasury besides guarding the home and courtyard.
In the past two years, after Feng Tang realized that the possibility of returning to Datong was getting smaller and smaller, he gradually transported all the valuables from Datong back to the capital city, including some deposits.
In fact, families like the Feng family, unless they have something special, usually do not need to store too much money. However, now that the bank accounts outside are not trustworthy, and it is generally said that wealth should not be disclosed, so in the end, the money will have to be kept. It needs to be put into a warehouse or buried in a cellar. This is true both in the north and the south, especially in the south of the Yangtze River.
The most valued servants in the Feng Mansion were Feng Tang. Feng Zuo and Feng You mainly worked with him outside. Feng Qian and Feng Kun took turns guarding the home and the courtyard. In addition, the housekeeper Feng Shou and the big and small Duans were responsible for the family's warehouse. Each holds a key, and three keys must be used together to open the door.
The Feng family naturally has rules, that is, no one is allowed to enter the treasury unless the Duan family is present. Of course, this treasury specifically refers to the treasury where silver and other special valuables are stored. General treasury is naturally not included here. Even the personal maids and Feng Shou next to the big and small Duans can enter.
Of course, this does not include Feng Tang and his son. Firstly, it is impossible for Feng Tang to take care of such monetary affairs. Secondly, Feng Ziying is too young, and the government has not considered that he would get involved in such matters.
When Yun Shang brought Ping'er to Feng Ziying's courtyard, Feng Ziying was stunned for a moment.
Jia Lian had come to him to tell him about this before, and apologized profusely, but he still wanted to borrow money. It seemed that the two of them had the same idea, and they planned to handle this matter as a small family. Doing it has nothing to do with Rongguo Mansion.
Feng Ziying also asked Jia Lian how to open up the path of the Ministry of Industry in detail if Jia Zheng was not approached.
Jia Lian’s words convinced Feng Ziying.
Not to mention, this Jia Lian is still someone who has done things outside. He is really better at practicing here than he and Wei Ruolan who can only talk, especially when you have to deal with such specific matters. I have never experienced it personally, so I am really confused, so I have to learn it from scratch step by step.
Ping'er also came to Feng's house with anxiety.
She followed Wang Xifeng and married into the Jia family for several years. It was only in the past two or three years that Wang Xifeng began to take charge of the family's financial affairs. However, she was just a girl who lived in the same house. Although she had won Sister Feng's trust, she was limited to the general complicated affairs of the house. Matters that really involve the entry and exit of large amounts of money will definitely not be her turn.
But this time there is no other way.
Sister Feng wants to monopolize this business, but her own private money is far from enough. Even if she can misappropriate some from the government, she does not dare to misappropriate too much, otherwise if there is a large amount of money in the house, or the wife wants to investigate Once the accounts are checked, the secret will be exposed, so I can only borrow money from outside.
But everyone knows that to borrow money from outside, firstly, the other party must have the ability, secondly, the other party must be willing to lend, and it is best not to use collateral, and thirdly, the other party must be tight-lipped and no rumors can be spread outside.
In addition to the Feng family, it can be said that there is no one who can meet these three criteria.
If you want to borrow money, Wang Xifeng is the mistress of the family, so it is naturally impossible for her to come to Feng's house to do it in person. And the Duan family is the head of the family here, and it is impossible to meet men from outside. Even Ping'er estimates that her grandmother herself is not very good. Don't worry, Jia Lian has already had the money, so after all the calculations, Ping'er is the most suitable.
As Wang Xifeng's personal maid, this status is barely acceptable. It depends on whether Feng Ziying approves it. If it were Xiao Duan, she would definitely not agree. As soon as you introduce yourself as a maid, you open your mouth and ask to borrow 20,000 taels of silver. This is not the case. Two hundred taels, why? How many taels of silver are you worth?
In these days of famine, one can buy three or five eldest girls and young wives outside the city gate with one hundred taels of silver. Those bought with 20,000 taels of silver can fill Feng's mansion to the brim.
These days, people are so worthless.
“Miss Ping’er, the second sister-in-law asked you to handle the loan matter?” Feng Ziying had a good impression of Ping’er, so she greeted her with a smile.
Ping'er's originally worried heart was finally relieved. This was the first time she went out to do something, and she was doing something like this. If the little Duan from the Feng family turned out to be a mean person, I was afraid that she would only end up in vain. Humiliation leads nowhere.
It is really strange for the Feng family that such important monetary affairs are actually managed by an aunt. Thinking about it, whether in Rong Mansion, Ning Mansion or the Wang family where I used to be, it is unbelievable.
With a blessing, Ping'er also showed a smile on his face, and said in a neither humble nor arrogant manner: "Uncle Feng, my second master Lian and grandma have already agreed with you, just let the slave take the note to handle it, the slave is just a passerby. , but I can’t bear the word manager.”
Feng Ziying laughed and waved her hand, "Miss Ping'er, sit down quickly. Don't be so polite. I ate and drank a lot in your house. Well, I also had a good sleep in your bed. I have troubled you to wait for half an afternoon. I'm here There is no need to be so restrictive in my family, otherwise you will accuse me of being unconscionable when I go back."
This may sound a bit ambiguous, but you have to listen carefully, and everyone is telling the truth. Seeing the righteous and calm look on the face of the Feng family elder, Ping'er could only suppress the shame in his heart, and turned to the side. He sat on the chair at the bottom with his body tilted and his buttocks tilted, "Thank you, Uncle Feng, that day is just a matter within the slave family, please don't worry about it, Uncle Feng."
"Well, you can't say that. It's a privilege to have Miss Ping'er serve you. I still know this." Feng Ziying shook her head. Not everyone can afford to be Wang Xifeng's personal maid or Jia Lian's maid. Who she waits on really depends on the person.
Ping'er pursed her lips and smiled, not saying much.
"Well, have you brought the note?" Feng Ziying didn't say more, as if he said more, it would have something else to say.
"As for the slave family, my grandma asked me to ask, how should I put the money?"
This is a troublesome thing.
Twenty thousand taels of silver is also one thousand six hundred kilograms. Even if they are all twenty-two ingots of large ingots or silver cakes, there must be one thousand. Of course, they cannot all be twenty-taels of silver ingots and silver cakes. More There are five or eight taels or ten taels of silver cakes and silver ingots. If you count them all, there is no way that a few boxes can hold them, let alone fifty thousand taels.
“What do you mean by your second mistress? Is it sent to your house, or...?” Feng Ziying couldn’t help but want to tease this pretty girl.
Qiao Ping'er's handsome face felt hot. Uncle Feng didn't speak seriously. He knew that his grandma just wanted to avoid Jia's house and wanted to send her to Jia's house. Didn't his true colors come out all at once?
Lao Rui is also trying his best. He has to survive the last few days no matter what. Please vote for me!
(End of this chapter)