Chapter 40: Save your life

What Chen's mansion said was not small, not big. However, more than 300 people rushed in, and it seemed very crowded. Chen Ying looked at the crowded figures in front of him and was bustling. The melancholy between Chen Ying's eyebrows was even stronger. Chen Ying knew very well that even if there were more than 300 talents coming to apply for the job in front of him, there were definitely not many of them for his name. Almost everyone pressed their hope on Hou Mo Chen.

This is the appeal of Hou Mo Chen, a family that has long fallen into the past. Chen Ying felt lost and wanted to be happy.

Xu Jingzong looked at Chen Ying still seemed to be dissatisfied with accepting the favors of Hou Mo Chen Qianhui, and pulled Chen Ying aside and explained patiently: "Hou Mo Chen is a family. Even if his strength is not as strong as before, his influence cannot be ignored. With Hou Mo Chen's contrast, it will be more convenient for the master to recruit talents in the future."

Although Chen Ying was very unhappy, what Xu Jingzong said was indeed a fact and an irrefutable fact. Chen Ying thought secretly that he could only set up the money house's airs first, use the money house's profits, and then cultivate talents by himself. Chen Ying took Ma Zhou's famous thorn and thoughts were full of thoughts.

Ma Zhou, whose courtesy name was Binwang, was the Secretariat Shizhong (he was the Secretariat Ling) of Taizong Dynasty and the Secretariat of the Ministry of Personnel. He was one of the true prime ministers. Whether it was Li Shimin or Cen Wenben, Yuan Tiangang had a high evaluation of him.

Chen Ying decided to see if Ma Zhou was the prime minister of the later generations of the Tang Dynasty.

After a while, Ma Zhou came to hear the sound. Chen Ying looked at Ma Zhou carefully. Ma Zhou was weak this year, and his body was not strong enough. He was even a little thin. His face was thin and white, but his eyes were bright, black and bright. Ma Zhou bowed and bowed, "Ma Zhou greeted the young master!"

Chen Ying paid attention to the way Ma Zhou rituals and found that Ma Zhou was performing the rituals of the minister.

Chen Ying was secretly surprised.

In fact, Chen Ying didn't know that Ma Zhou's family was poor and became an orphan when he was young, but he liked to study. Qinghe was originally the place where the Cui family's county was located. The young Ma Zhou rode on the wall and eavesdropped on the teachings of the Cui family. He was ridiculed by the Cui family's children and fought with the Cui family. The Cui family's children rely on many people and power, and Ma Zhou was beaten and covered in bruises.

This year, Ma Zhou was eleven years old. Ma Zhou met Yu Qing, the noble man in his life. Yu Qing gave him the Five Classics and 3,000 coins, and invited a scholar Cui Daoru, a son of Cui's family, to study. Ma Zhou was a man who was grateful for his kindness. He knew that the person who secretly sponsored him was the Hou Mo Chen Qianhui of Mo Chen.

During the Wude period, he was appointed as an assistant teacher in Bozhou, drinking every day and not taking the lecture seriously. The governor Da Xishu scolded him many times, and Ma Zhou resigned in anger, wandering between Cao and Bian, and was insulted by Junyi, so he traveled west to Chang'an in anger. In his hotel in Xinfeng, the owner only invited vendors but did not take care of Ma Zhou. Ma Zhou asked for a bucket of eight liters of wine and drank leisurely alone. The owner was deeply surprised. Seeing that Ma Zhou had no money, the owner told Ma Zhou that Chen Ying was recruiting talents and building a money shop.

However, Ma Zhou was unwilling to serve merchants and was unmoved. Later, Yu Qing found him personally and asked him to serve Chen Ying.

Only then did Ma Zhou realize that Chen Ying was a cousin of Hou Mo Chen Qianhui.

While Chen Ying was looking at Ma Zhou, Ma Zhou was also looking at Hou Mo Chen Ying.

Ma Zhou was funded by Hou Mo Chen, who was a disciple of Hou Mo Chen. In fact, there were many people who supported Hou Mo Chen like he supported Ma Zhou, and Ma Zhou was just one of them.

Of course, it is also because of the limited time. If Chen Ying could give Hou Mo Chen Qian time, let alone 300 people, he could find even 300 people.

Chen Ying could see through Ma Zhou's courtesy of his donor, that he must be the disciple of Hou Mo Chen. Chen Ying was slightly stunned, and then

He talked about the banking system with the name of a money shop to Ma Zhou, from the profit of a money shop to the benefit of the people and the country... Chen Ying saw Ma Zhou becoming more and more confused, and then suddenly realized.

Banks in later generations are closely related to people's lives. Even people who have never worked in the banking system will understand the process of the banking together. Ma Zhou is a poor man and has never dealt with money banks. He does not understand what Chen Ying said about money-derived money. Xu Jingzong followed Chen Ying throughout the process to formulate the banking system, which was a little confused.

Chen Ying sighed and rushed to Gao Wenjin, who was serving outside the door, and said, "You go and get some money and I'll go and demonstrate it to you."

After a while, Gao Wenjin held a tray containing six large silver ingots of fifty taels. Chen Ying placed the six silver ingots on four corners of the table and introduced to Xu Jingzong and Ma Zhou: "This represents the Peking Money House, Luoyang Money House, Chengdu Money House and Jiangdu Money House."

Ma Zhou, Xu Jingzong, and Gao Wenjin nodded.

Chen Ying took 100,000 yuan to deposit it into the Chang'an Money House, and said that Chen Ying placed the two ingots of silver in his hand in the middle of the table.

"I want to take money to Chengdu to enter Shujin, from Chang'an to Chengdu for 1,500 miles. If I transport it from Chang'an to Chengdu with 100,000 guan, it will take at least 40 or 50 days. A hundred thousand guan weighs 700,000 jin, and at least more than 300 two large cars. Each car requires two porters. This is more than 700 people and escorts. To ensure the safety of the convoy, it will take at least 1,500 to 2,000 troops, and a team of nearly 3,000 people will be transported from horses for nearly two months. Isn't it much to collect 20% of the money house?"

"There is no gold and silver transactions among the people, so they can only use copper coins. It is indeed difficult to carry a huge amount of money. It is reasonable to collect 20% of the profits from a thousand five miles away." Ma Zhou suddenly realized: "Stock money in Chang'an and withdraw 80% of the money in Chengdu. Is the gross profit of the money house?"

Chen Ying nodded and said, "The correct answer is that the merchant purchased Shujin in Chengdu and found that the money was not enough. The price of Shujin was 70% cheaper than Chang'an. He felt that it was profitable and wanted to invest a little more at one time, but he had no cash. At this time, he could find familiar merchants to protect him and get a sufficient price of industry pledge. He could borrow 200,000 guan and sell Shujin from Chengdu to Chang'an. In addition to repaying the capital of 200,000 guan, he also needed to pay 40,000 guan interest. In addition to the service fee from Chengdu to Chang'an, we could make a gross profit of 80,000 guan..."

Xu Jingzong said: "The country's dynasty is based on agriculture, which encourages industry and commerce, which is a matter of putting the cart before the horse."

Chen Ying smiled and said, "How can we put the cart before the horse? When encountering natural disasters and man-made disasters, farmers cannot survive. They do not have ploughing tools and seeds, and they do not want to sell land. They can get a loan from our money house. Farmers can buy seeds and ploughing tools with loans, and after the harvest, they will pay back the money. Isn't this much better than selling their children and women to sell land? This is just the most basic way for money houses to make money. As long as money houses in various places can keep a large amount of money in their hands, such means of making money will continue to flow."

Ma Zhou said in confusion: "It's really fast to grab the money from the money shop!"

The bank's accounts need to be recorded in a duplicate amount. If a sum of money goes from Chang'an to Chengdu, it is the money coming back from Chengdu. The money coming back from Chengdu will be the turnover. This will generate exponential profits. Just when the money is on the road of fantasy, it will generate loan interest rates and all the turnovers, so it is very inappropriate to follow the accounting method of Datang.

Chen Ying introduced the bank's procedures and operation methods to Ma Zhou, and at this moment, a panic sound of running outside the door came.

Chen Ying was secretly surprised that Hou Mo and Chen Qian would leave him sixteen warriors. These sixteen warriors were all good at being good. They were guarding outside, and no one could come in. Chen Ying frowned slightly, his face full of displeasure.

At this moment, a pretty maid wearing a green skirt came straight to Chen Yingshen and said, "Your husband, please help me!"
Chapter completed!