Qin Bai quickly put what happened just now behind his mind. He had enough trouble and could not control the outlaw at all. The reason for giving money was that the young woman who gave birth was pitiful, and that little lady Ding was pitiful and the Wenpo (the reason will be explained later, and if you are interested, you can guess it). As for whether the big jackal would come to work hard? Qin Bai never cared about it at all.

However, it is indeed a bit too much today, so you should have more cash around you. Let Fusheng and the others lead the sick person back first, and after asking about the location, Qin Bai led Qin Gao and Li Gan to the Fenglong Money Shop.

The location of Fenglong Coin Store is almost at the center of the village. It has thick bluestone walls, tall facades, and many pawn shops on both sides. The entire street should be the financial center of Jingjiazhuang.

It has been a while since Qin Bai learned some basic situation. In this era, financial institutions basically had pawnshops and money houses. In addition to pawning, pawnshop business also had small loans, which are often mentioned as nine out of thirteen returns. At that time, this was not considered a loan of usury. It was considered a "normal loan" with relatively high interest rates.

By the way, like modern society, loan sharing is also a very famous black money in this era. If ordinary wealthy families pay attention to reputation, they will never touch it. But opening a pawn shop is different. This is a normal business, so many pawn shops have wealthy families behind them. Of course, without wealthy families as their backers, pawn shops cannot be opened. For example: Didn’t Wang Xifeng in "Dream of Red Mansions" just swear to the public and was scolded by Lao Madam Jia after it was exposed?

In addition to those thugs, the main force of usury loan sharks are mainly monks and Taoists from major temples. Don’t think this is a joke. The temple has pilgrims who keep offering sacrifices and don’t have to pay taxes. They have a lot of spare money in their hands, and there are also stick monks and monks who protect the temple. It is also convenient to collect debts violently. The debt collection rate is extremely high, far exceeding that of modern debt collection companies, because everyone is afraid of Shaolin Wudang’s joint pursuit.

As for reputation... people outside the world never care about it. The little monk, I, made a golden body for the three pure Buddhas. As a result, all financial businesses flourished and even made innovations. For example, during the Northern Song Dynasty, Daxiangguo Temple began to sell lottery tickets. This should be the earliest gambling industry in history, both in China and abroad, right?

The business of money houses is generally large-denomination loans and large-denomination bill payments. They should be familiar with silver notes, and are found in many literary works. However, the business of remote Tonghui is not very wide, let alone the world Tonghui. In this era, remote Tonghui was only more developed at both ends of the Grand Canal and in a few big cities along the route.

In addition, this kind of off-site communication is quite popular in maritime trade. In the coastal areas of Yuegang, Fujian, Macau, Nagasaki, Japan, Manila, Philippines (the Spanish colonists at that time) and maritime merchants can go to local money shops to handle silver notes that can be exchanged in foreign countries.

As for money shops, they can be regarded as miniaturized money shops. There are also small loans and silver notes, which are the documents that Qin Bai held, but there are generally no large loans or cross-region connections. The main business of money shops is currency exchange. They are exchanged for silver, exchanged copper coins for silver, and purified and smelted into better-quality silver, etc. Although the business is trivial, it also played a very important financial service and supplementary role in this era.

Fenglong Money Shop is such a money shop. So as soon as he arrived at the door, the third shopkeeper of the money shop led his clerk to greet him: "Please, please, distinguished guest! What are your instructions?" He did not judge people by his appearance, but his attitude was enthusiastic and thoughtful.

When Qin Bai came to this era's financial institution for the first time, he was curious. While looking around, he took out the document in his arms: "You're welcome, I'm here to withdraw money."

The third shopkeeper glanced at the document and hurriedly welcomed Qin Bai in. Interestingly, the money shop did not look like a business shop at all, but was decorated like the front hall for a wealthy family to entertain guests. Qin Bai was greeted by a guest table and sat down. The guy presented a hot towel to a few people. A rich middle-aged man in his early forties immediately turned out of the back hall and bowed with a smile: "I have lost my wish, this person should be Mr. Bai from Dong Erfang? I am the next surname Zhang, and I am reluctant to be a despicable shopkeeper."

"Shopkeeper Zhang." Qin Bai quickly returned the gift.

Manager Zhang sat down in the main seat: "Master Bai Er, are you the same as before? Half of the silver and half of the copper coins will be sent by a vulgar car to your residence in Dongerfang?"

Qin Bai was suddenly a little surprised: "Absolutely, why do you have half of the copper coins?" It's not that those copper coins cannot be used, and they can be sent to their subordinates in the future. The main reason is that it is not very convenient now. Although the service attitude of Fenglong Money Store is quite good, they promised to send a car to deliver it. But the 652 taels of silver is only 40 or 50 kilograms, Qin Bai and the others can carry it easily. It's better than the pile of copper coins, right?

"Oh." Manager Zhang smiled, but did not hide it, or he was not afraid of telling the truth to Qin Bai at all.

It turns out that Jingjiazhuang can be basically divided into two consumer groups: one is a caravan that comes to purchase iron tools or other commodity trading, which is basically a bulk transaction and uses silver; the other is that residents who live and work here have relatively low incomes and usually use more copper coins. Therefore, Fenglong money is used as a financial lubricant in it. Through exchange, there will be no shortage of certain currency in the market. By the way, you can also earn a lot of handling fees.

However, there is definitely no absolute balance here. Especially whenever the caravan leaves, most of the copper coins in their hands will definitely be exchanged for easy-to-carry silver. Therefore, for Qin Bai's downline, it is stipulated that half of them must be used to force the copper coins. Balance is one reason, and making money is another reason. The shopkeeper Zhang also hinted that this Fenglong money shop was opened by the He Mansion.

After knowing the reason, Qin Bai felt that he had gained a lot of knowledge. He also understood why Master Niu San had that basket of copper coins. However, another question arose: "Shopkeeper Zhang, I want to ask for advice. Can there be a difference in the exchange of silver and copper coins?"

From the experience of playing games in previous lives, I learned that one gold coin exchanges 100 silver coins and one silver coin exchanges 100 copper coins. Qin Bai always thought that this era was the unified exchange rate set by the government - one tael of silver to one thousand copper coins, which is Yishen. Why did the price difference appear again?

In fact, Qin Bai is ignorant. Since he has been dealing with small amounts of money after traveling through time, he has never used it to exchange it, and he does not know that there is such a exchange. Even when looking for money, it is easy for people to ignore it because the difference is too small.
Chapter completed!