Number of People

  Chapter 191 B-character scroll Qiao Pinger (addition for the leader of Xingyu Tianyan!)

I was wondering when Wang Xifeng would come to get the money. If I really wanted to come, I had to find an excuse to ask. I didn't expect that Wang Xifeng's enthusiasm and efficiency in borrowing money were so high. Send Ping'er to Feng's mansion to borrow money.

  Fifty thousand taels of silver is not a small amount.

  Since Wang Ziteng knew about it, 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 this 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.

  Currently, the money bank business is only in its infancy. In the 30th year of Yuanxi, the imperial court officially approved the establishment of money shop banks or silver banks.

Due to the particularity of this industry, it is required that the establishment of a money shop bank account must be a large gentry family with an innocence and considerable influence and prestige in the local area, and the local government must issue a letter of guarantee to recognize the identity of this person. handle.

Therefore, although it was approved by the imperial court 30 years after Yuanxi, there are not many money shops and banks that can really be opened on the streets in various places, and only 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, due to the high standards required by the government, the general gentry and noble families are also disgusted with this kind of business for fear of affecting their reputation, so the development is not fast.

  The real operation of deposit, loan and money lending business has only appeared in these banks and banks in recent years, and most of these banks and banks are also mixed with **** shops and rice shops.

   This is also to alleviate the worries of depositors and loans. After all, the money is stored with you. What if you run away or go bankrupt? If there are other livelihoods, it will undoubtedly increase the confidence of savers.

   Look at other businesses such as rice shops, oil shops, or cloth shops. They are all one boss, so they won't collapse and run away all at once. This will make it easier to gain the trust of customers.

   But according to Feng Ziying’s knowledge, there are only a dozen or so bank banks like this in the entire capital city, and they are not large in scale. It can even be said that they are all attached to other industries, and there are no truly professional bank banks yet.

In Datong, it can be regarded as a big border city, and there are only a few such part-time money shops. I don’t know if there are such professional bank banks in Suzhou, Yangzhou and Jinling, where the commodity economy in the south of the Yangtze River is more developed. appear.

Generally speaking, real rich families still prefer to store gold and silver at home, either digging caves and secret rooms for storage, like the Feng family did in Linqing, or building special warehouses to store valuables. It is generally the most important place in the family, and the guards are basically the most loyal and reliable sons of the family.

  Feng Mansion is no exception.

  Among the nearly 100 people in the Feng Mansion, the most important job of a real male is to guard the treasury besides guarding the house.

   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, which also included some silver deposits.

In fact, families like the Feng family would not need to store too much silver at all unless there is something special about it. To put it into the warehouse or bury it in the cellar, this is the case in the north and the south, especially in the south of the Yangtze River.

The servants who are most valued by Feng Tang in Feng's mansion, Feng Zuo and Feng You mainly follow him to work outside, Feng Qian and Feng Kun take turns guarding the house, and the housekeeper Feng Shou and Duan's big and small are responsible for the warehouse at home. Each holds a key, and three keys must be used together to open the door.

Naturally, the Feng family also has rules, that is, no one is allowed to enter the treasury unless the big and small Duan are present. Of course, this treasury refers specifically to the treasury where silver and other special valuables are stored, and general treasuries are naturally not included. Even the personal maids and Feng Shou next to Mrs. and Mrs. Duan 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, and secondly, Feng Ziying is too young, and the government has never considered that he will be involved in such matters.

  When Yun Shang brought Ping'er to Feng Ziying's courtyard, Feng Ziying was stunned for a moment.

Earlier, Jia Lian also came to him specifically to talk about this matter, and apologized again and again, but he still wanted to borrow money, and it seemed that the two couples had also unified their minds, and this matter was planned to be done by the two of them as a small family. Doing it has nothing to do with the Rongguo Mansion.

  Feng Ziying also asked Jia Lian how to get through the route of the Ministry of Industry without Jia Zheng.

However, Jia Lian said that he had already connected with Qin Ye, the head of the Construction Department, and it was not up to Jia Zheng to make the final decision on such matters, and the specific managers were the Lang Zhong, Yuanwai Lang, and the principal of the Construction Department. However, it is better for Qin Ye to set up the line than the pedantic Jia Zheng.

  Jia Lian's words convinced Feng Ziying.

Needless to say, this Jia Lian is still someone who has done things outside, and he is better than someone like himself and Wei Ruolan who can only talk about things here, especially for such specific handling matters. If you haven't experienced it yourself, you are really at a loss, so you have to learn it step by step from scratch.

  Ping'er also came to Feng's residence with a feeling of apprehension.

She followed Wang Xifeng to Jia's family for a few years, and Wang Xifeng only started to manage the property in the past two or three years, but she was just a housekeeper. Although she won the trust of Sister Feng, she was only limited to the general complicated affairs in the house. Matters that really involve the entry and exit of large amounts of money must not be her turn.

   But this time there is no other way.

Sister Feng wants to monopolize this business, but her own private house is far from enough. Even if she can embezzle some from the public, she dare not embezzle too much, otherwise, if there is a large item in the mansion, or the wife wants to check Once the account is checked, it will be revealed, so the only way to borrow money is from outside.

   But everyone knows that it is necessary to borrow money from outside. First, the other party must have the ability, second, the other party must be willing to borrow, and it is best not to use collateral.

   It can be said that there is no one other than the Feng family who must meet these three conditions.

If you want to borrow money, Wang Xifeng is the mistress of the family, so it is naturally impossible to come to Feng's residence in person, and the people in charge here are the big and small Duan families, and it is impossible to meet outside men. Even Ping'er reckons that her grandmother herself is not very Don't worry that Jia Lian has passed the money, so after all the calculations, only Ping'er is the most suitable.

As Wang Xifeng's personal servant girl, this status can barely be justified, but it depends on Feng Ziying's approval, and Xiao Duan's will definitely not agree. As a maid, you just open your mouth and ask to borrow 20,000 taels of silver, isn't that true? Two hundred taels, why? How many taels of silver are you worth?

  In times of famine these days, one hundred taels of silver can pick up three or five girls and daughters-in-law outside the city gate, and people who buy it for 20,000 taels of silver can fill Feng's house to the full.

   These days, people are so worthless.

   "Miss Ping'er, the second sister-in-law asked you to handle the loan?" Feng Ziying had a good impression of Ping'er, so she greeted her with a smile.

Ping'er's originally uneasy heart was finally relieved, this was the first time she went out to do errands, and she still did this kind of thing, if the little Duan of the Feng family was a bitter and mean person, I'm afraid she would only make a fool of herself The humiliation came to nothing.

  The Feng family is really a little strange, such an important money affairs is actually in charge of an aunt, thinking about whether it is in the Rong Mansion, the Ning Mansion, or the Wang Family where he used to be, it is unbelievable.

After a blessing, Ping'er also showed a smile on his face, and said neither humble nor overbearing: "Uncle Feng, my second master Lian and grandma both said that they have already agreed with you, and it is enough for the servant to take the note to handle it. The servant is just a passerby." , but I can’t afford the word manager.”

Feng Ziying laughed and waved her hands, "Miss Ping'er, sit down quickly, don't be so polite, I ate and drank a lot at your house, um, and slept beautifully on your bed, I trouble you to wait on me for half an afternoon. There is no need for my family to be so restrained, or you will say that I have no conscience when I go back in the future."

This may sound ambiguous no matter what, but you have to listen carefully, as they are telling the truth. Looking at Feng Jia Dalang's upright and calm face, Ping'er could only suppress his inner shame, He sat on the lower chair with his body tilted and his buttocks tilted, "Mr. Xie Feng, that day was just a matter of the slave family, so Mr. Feng must not worry about it."

"Well, you can't say that. It's good to be served by Miss Ping'er. I still know that." Feng Ziying shook her head. Not everyone can afford Wang Xifeng's personal maid and Jia Lian's housemaid. Who she waits on really depends on the person.

  Ping'er pursed his lips and smiled, but didn't say much.

   "Well, did you bring the note?" Feng Ziying didn't say any more, any more would have other meanings.

   "On the slave's house, my grandma asked me to ask, how to arrange the money?"

   This is a hassle.

Twenty thousand taels of silver is 1,600 catties. Even if it is all twenty taels of silver ingots or silver cakes, there must be a thousand of them. Of course, it is impossible for all of them to be twenty taels of silver ingots. What I bought were silver cakes and silver ingots of five taels, eight taels or ten taels. After counting this, there are not many boxes that can't hold it, let alone fifty thousand taels.

   "What does your second grandma mean? Is it delivered to your house, or...?" Feng Ziying couldn't help but want to tease this pretty girl.

  Qiao Ping'er's handsome face burned, this Uncle Feng didn't speak seriously, knowing that his grandma wanted to avoid Jia's mansion and sent it to the mansion, wouldn't that reveal his true colors all at once?

   Lao Rui also tried his best, and he has to get through the last few days no matter what, ask for a monthly ticket!

  (end of this chapter)