future library.

Chapter 39 Pawn
Cheng Jinzhou is not a person who waits for opportunities. Most of the time, he is willing to take the first step.

The library in the ring seems to exist forever, but God knows, when will it disappear without a trace like it started?God knows, tomorrow customer service 010 will choke to death on milk for breakfast, and then the one-line contact will be cut off.Or, the internal adjustment work of other people's libraries, I was completely forgotten...

If possible, Cheng Jinzhou would never place his fate on such a distant connection. He hoped to copy more useful books, at least one or two things that could be used for self-defense and survival.

For this purpose, it is nothing to suffer two boards and consume a little things in advance.

So, even though the city gate will be closed in two hours, Cheng Jinzhou decided to go back and forth.

"Shen's Pawnshop" is the largest pawnshop in Shaonan City, even bigger than the Zhengda pawnshop opened by the Cheng family.Behind it is the Shen family in the capital city, and I heard that there are other backgrounds, so even though there are only two connected storefronts, they are extremely luxuriously built, occupying a large area in the southeast of the city.

If most of the noble families in this city need it, most of them are actually here. Firstly, the Shen family is not as clear about the origin of things as local snakes, so it saves a lot of trouble. Second, it is the business of this pawnshop. The range is much larger.

From cotton-padded jackets to big ones, everything is sold here. Even for things they are not familiar with, there are pawnbrokers who dare to bid. This is their most popular place.

As for the price, pawnbrokers never care.

Shi Yan came from a poor family and was naturally afraid of pawnshops. When he got to the ground, he was still very uneasy and said, "Third brother, if you need money, ask the young lady for it."

"The bag of golden melon seeds last time was all used up, so where else can I get them?" Cheng Jinzhou said as he dismounted.

He walked through the door on the left, which was specially designed for high-priced goods, and the decoration was even more grand.

The pawn shop is notoriously arrogant, but riding an Yadong horse, wearing Nanhu satin, accompanied by bodyguards and servants, is more popular than driving an Aston Martin, wearing Armani, and bringing black bodyguards and white horses , the clerk at the door did not dare to be negligent, and greeted Cheng Jinzhou first. No matter what Cheng Jinzhou's purpose was, after making this year's new tea, he said with a thousand bows: "Master, are you shopping for something, or do you need money?"

The essence of a pawn shop is actually usury. Although pawns are a major source of profits, they are not a stable source of income. Especially wealthy families are usually very taboo about pawn products, because the owner of the pawn items is not in ruins. Even if you encounter misfortune, there will naturally be people who worry about bringing bad luck home.This kind of thinking still exists until the 21st century, so although things in pawnshops are cheap, not everyone is willing to buy them.

Doing business emphasizes the return on investment, and the return must be stable, and the same is true for pawnshops.Although the income from live pawning is less, the advantage is that the return on capital is quick, and there is one less procedure for selling, and the risk is much less.What's more, even if it's a job, it is often more expensive than a loan shark that pays [-] out of [-].

The clerk hurried to the back and asked the shopkeeper to come out. The latter looked like a businessman, with an abacus in his hand, thinning hair, and his appearance exceeded Cheng Jinzhou's expectations.

In his mind, such a large pawn shop, coupled with years of experience in appraisal, should have some cultural temperament, but he didn't think he was an ancient money worshiper.

"The little old man's name is Shen Ping, what's the name of this master?" The shopkeeper didn't know what Cheng Jinzhou was thinking, his eyes were shining, and he was parading around Cheng Jinzhou's master and servant.

"My surname is Cheng." Classmate Xiao Cheng didn't hide it, shrugged his shoulders and said, "I need 400 taels of silver for turnover. Let's see if Shopkeeper Shen can come up with it."

Speaking of business, the shopkeeper nodded slightly, still standing at the side and said: "400 taels of silver, the shop can get it now, but I don't know what this young master Cheng wants to pawn? Who are you and the Cheng family of Shaonan?"

Cheng Jinzhou smiled and said, "I'm from the Cheng family, but I came out to pawn it myself, and what I pawned was also my stuff. Is this okay?"

"Yes." The shopkeeper chuckled.He also often encounters this kind of thing. When a child from a noble family comes out to pawn something, the businessman naturally has no reason to push it out. As for the family member who comes to him, the thing can be taken back, but the interest is not less than a penny. .The reason why the Shen family's pawnshops spread all over the world is also due to the strength behind them.

Cheng Jinzhou patted his butt and stood up, saying, "Then please ask the shopkeeper to send two people to follow you."

"Where are you going?" Shopkeeper Shen was stunned.

"I'm going to pawn the two boats." Cheng Jinzhou sipped his tea and said, "Now is the dry season, and the two sloops don't have time to go out, so I'll pledge them to you."

As he spoke, he took out two pieces of paper from his pocket.

The six single-masted boats in Xidingzhuang are all new ships, each of which can be worth three or four hundred taels of silver, and two pledges of 6 taels are in compliance with the rules.

Looking at the boat deed, shopkeeper Shen can guess the price by seven or eight cents.

A 20-person salt boat in Hanoi can be bought at a price of 100 taels, not to mention a boat for aristocrats. Thinking of this, he nodded to the guy and said, "Go and ask Mr. Hu to come out."

After he finished speaking, he turned around and said with a smile: "Brother Cheng, why don't you drink tea with me, and when they come back from watching, we will hand over?"

From Xidianzhuang to the city, you may not be able to make it back in two hours. Cheng Jinzhou had his own lazy way and said: "I will ask the book boy to accompany your people to watch the boat. Tomorrow morning, you can ask someone to bring money to Xiaoxizhuang to find it." I."

"That's fine." The shopkeeper was always polite, and said with a smile: "Then according to the rules, how about we pledge it for half a year?"

Naturally, the longer the mortgage period, the better.

"Three months is enough."

"Then two cents interest. Add 1 more." Shopkeeper Shen is not too harsh. After three months, he will ask for 1% interest, and add 280 to the total, which is equivalent to paying back [-] taels of silver.

Cheng Jinzhou smacked his lips and nodded in agreement.

When the three of them were sent out, Meng Da was still untying the reins. Shi Yan's voice was burning with anxiety, and he said in a hoarse voice: "Third brother, after three months, are you really going to give them the boat? Mr. Liu said that day ..."

"Just return it when the time comes." Cheng Jinzhou said with a nonchalant look.

Shi Yan couldn't help scratching his hair, and the eunuch with a full face said anxiously: "680 taels of silver, how can I pay it back?"

Cheng Jinzhou spread his hands and said, "At that time, I had already passed the provincial examination, and with the fame of a scholar, 600 taels of silver was small money."

Shi Yan didn't care to look at Cheng Jinzhou's strange appearance, and didn't dare to ask if he failed the exam. He just prayed silently in his heart. He didn't want to be sent to the Zhuangzi outside the city after only being a school boy for a few months.

……

(End of this chapter)