The money house is not big, covering only two acres of land, but the surroundings are made of heavy bluestone to form a wall of nearly meter high. The houses are all made of bluestone and thick wood. The doors and windows are extremely thick. A wooden plaque is hung on the street, with four large seal characters "Huaxia Money House" cast in bronze, and shining golden in the spring sunshine.

Chen Xu looked at the plaque straight, feeling as if he smelled a strong smell of copper.

Although the business of Daqin is not developed now, and even in Chen Xu's opinion, it is very weak, as long as this thing can operate successfully, it will greatly promote the development of business.

The people of the Qin Dynasty were not full or warm, but it did not mean that the food was really not enough. Just as he knew, there were nearly 60,000 stones of grain piled up in the granary of the county government in Zhixian County. These grains were enough for all the population of Zhixian County to eat for half a year and enough for the people in the county to eat for five years. However, these grains were never used. This was the food of the Emperor of Qin, the reserved grain of the imperial court, and it was used to subsidize the recruitment of serviced people and deal with wars. Even in the years of famine, it would not be distributed to ordinary people. Every year before the new tax grain was paid, the grain would be transported to the bitter and cold land of the northwest to support the slaves who built the Great Wall or sold to those big merchants, and most of them would flow into the winery or copper and iron workshops outside Wancheng.

Moreover, after the Qin Dynasty unified the six kingdoms, there was no war in the past two years, so farmers were safer to farm, with more and more output than before, and more grains were accumulated in the granaries. The large and small granaries established by the Qin Dynasty nationwide were as rich as mountains of grains. There are records in the Yunmeng Qin Slips: There are granaries with tens of stones per accumulation everywhere in the Qin State, and the granaries in Liyang were 20,000 stones per accumulation, while Xianyang was even more terrifying. It was directly a hundred thousand stones per accumulation. Here it was a round warehouse, and each granary had more than one warehouse, but many.

The Chenliu Cang, Guan Cang, Ba Shang Cang, Liyang Cang, Xianyang Cang and other utensils set up by the Qin Dynasty can ensure that the entire population of the county where the granary is located can support more than ten years. By the time of Qin II, more grain was accumulated. After Xiang Yu rebelled against Qin, he defeated Chenliu and obtained nearly one million stones of grain from Chenliu Cang.

In addition, when Qin conquered Shu, he directly used 100,000 people from Bashu and Shu, and 10,000 large ships transported 6 million stones of grain from the Superintendent Warehouse and Chengdu Warehouse for logistics. The entire Yangtze River was floating like clouds, connected to the ends. That terrifying scene has never happened before.

Therefore, since Shang Yang's reforms, Qin has never been short of food.

However, in this era, those in power did not regard the people as human beings, but were the objects of exploitation and oppression. Everything was for the royal power and the goal of the emperor. Children were used as adults, women were used as men, and men were used as animals.

After Shang Yang's reform, the laws were so harsh that they were not closed at night and did not pick up the remains. However, this kind of peace, which was not bound by morality, was actually the most cruel suppression and exploitation, which led to extreme poverty of the people. As a result, the richer the country, the poorer the people, and the resentment among the people accumulates more and more. At the same time, Shang Yang also believed that the six lice in the state must be suppressed by laws. What are the six lice, namely rituals, music, poetry and books, goodness, filial piety, integrity, integrity, benevolence and righteousness, and peace. Shang Yang believed that the etiquette and cultivation advocated by these gentlemen were all pests like lice, and they must be suppressed and eliminated by laws. The final outcome was that the Qin Dynasty was indeed strong, and then Shang Yang himself was killed by his own laws.

Lu Family Chunqiu said: Those who are perfect will be short, and those who are extreme will be reversed.

When something is carried forward to the extreme, that is, when it begins to collapse, the final outcome of the Qin Dynasty is also to provoke harsh laws and die from harsh laws.

After Qin Shihuang died, the nobles of the six countries led the people to overthrow the Qin Dynasty by using the excuse of harsh laws and brutality.

Today's Great Qin actually has a little loosening of the laws to the people, exploitation and exploitation are not so strict. People can eat and wear well. Even if the nobles of the six countries rebelled, they will not directly lead to the death of the second lifetime.

Therefore, in the Han Dynasty, those in power began to reflect on the reasons for the collapse of the Qin Dynasty, adopted the concept of Huang-Lao and ruled inaction, abandoned a large number of evil laws, cultivated and nurtured the people, and created the greatest dynasty in Chinese history, and established the status of one of the four great empires on the earth at the same time, condensed the blood of the Han people, and created a glorious civilization of two thousand years in the future of China.

The Qin Dynasty did not lack food, but Chen Xu was unable to change this situation at the moment.

But as long as the laws are loosened and changed, business will inevitably flourish.

Therefore, get the bank out in advance so that the business can easily go into battle.

The next step is to find the best opportunity to meet Qin Shihuang and let him change this strategy of harsh rule of law.

Chen Xu has been thinking about this method for a long time. Perhaps just when Qin Shihuang was traveling southeast this time, as long as that happens, it may be successful to change the future of the Qin Dynasty.

Accompanied by Fan Yang, Chen Xu walked into the money shop and was facing a counter that was 1.5 meters high, all made of thick oak wood, with railings of bronze cast eggs on it. Several rooms next to it were plaques such as credit, storage, management, conference rooms, employee passages, etc. The thick wooden door was half a foot long, and once closed, it would definitely not be able to be opened with manpower.

At this time, in the money shop, there were a group of children and a few men dressed in scribes who were busy inside, learning the abacus.

These children are students from Qinghe Town Primary School. After learning mathematics and abacus for several months, they have been able to perform not complicated addition, subtraction, multiplication and division operations, and can also recognize and write common words. The main purpose is to teach the helpers of the money shop to learn the application of abacus and Arabic numerals. Secondly, they learn management and management with the money shop. Once the time is ripe, these children will become the foundation and driving force for the economic development of the Qin Dynasty.

"The Fan family is worthy of being the leader of the Qin Dynasty's business world. It has been prepared in such a short time!" Chen Xu couldn't help but praise Old Man Fan.

"Young man is too proud. All of this is actually made according to your drawings and ideas. Daliang's money house has been built. Now, just wait for your seal to be produced, and the money house can be officially opened!" Fan said with a smile.

"It just so happened that I brought the method and account book for printing letters this time!" Chen Xu nodded and asked Wang San to take the bag on his horse's back, open it and take out two pieces of extremely flat and smooth black wood that were polished one foot long, five inches wide, three inches thick, and three inches.

"Is this a seal?" Fan Yan was confused as he looked at the two heavy ebony.

"No, this is a carved plate for printing!" Chen Xu took out another piece of snow-white and flat bamboo pulp paper, and painted a deposit slip with ink lines on it.

"Old Fan, this is the voucher for deposits and withdrawals. I have already drawn the style. You only need to find a craftsman who is good at carving and carve the patterns on the voucher on the carving board. Then you can easily print the letter!"

"What do the strange symbols in the upper right corner mean?" Fan Yong took the first deposit note in human history and pointed at the three English characters QSH in the upper right corner curiously.

"Haha, this is just a synonym for the year name. In order to avoid the emperor's name, you don't have to care!" Chen Xu said with a smile.

"What does the series of circles and forks mean?" Fan Yong asked, pointing to the row of characters behind QSH.

"This is the focus of anti-counterfeiting of vouchers. You have seen and can skillfully identify the abbreviated numbers from 0 to 99?" Chen Xu asked.

"Yes, I have learned to identify with these children!" Fan Yong nodded.

"The string of symbols here is a string of numbers based on year, month, day and time. After these vouchers are printed, the numbers in triplicate must be exactly the same, and they must be stamped with three different colors of black, red and green, respectively, representing the stub, customer and accounting three-couple vouchers. The contents of these three vouchers are required to be exactly the same. The stub is filled in by the person handling the deposit, and then signing his own name and stamping his own seal. The second one is filled in by the reviewer. He also needs to sign his own name and stamping his own seal. The third one is filled in by the third reviewer. He also needs to sign and leave his own seal. The last three vouchers are filled in by the third reviewer. The certificate is handed over to the accounting staff for review and verification, and then handed over to the deposit customer to sign and seal, and finally stamped the seal of the money shop. Even if the deposit is finally completed, the stub couplet will be handed over to you to store and keep for later review. The second couplet will be handed over to the customer for withdrawal of money. The third couplet will be kept by the accounting staff and registered in the account book. When the customer comes to the money shop to withdraw money, the handling staff must strictly check the seal and signature handwriting of the reserved personnel before issuing the money shop, and then collect the voucher and stamp it with the withdrawal seal. Finally, send it to you to arrange for special personnel to review the stub and accounting, and finally do a verification and seal..."

Chen Xu explained the operation steps of deposits and withdrawals to Fan Yong in very detailed manner according to the model of later commercial banks, and at the same time explained the details and requirements of the carved plates clearly.

Fan Yong became more and more surprised as he heard it. He was completely shocked by Chen Xu's unreliable and strange thoughts. He could not understand why Chen Xu had so many strange thoughts without reason.

"My little brother, I am so impressed by your incredible ideas!" Fan Yong bowed deeply to Chen Xu, and then continued excitedly, "According to your arrangement, no matter how much snow-white paper is, no one can copy it, just this complicated process of repeated reviews, others will never be able to fake it."

"Actually, I only want to ensure the safety of customer deposits. It is also a strict constraint on the money house, so as to prevent the helper from stealing himself or cheating the money from the money house with others. Only when things are small and small can you sit until you are not leaked. Otherwise, a negligence and mistakes will cause major property losses, and the final destruction of the money house is the reputation of the money house. Food is the most important thing, and business is the trust-based. Do Mr. Fan agree?"

"Young man said it right. People can't stand without trust. The key to doing business is to be honest. The ancestor Tao Zhugong has already left a precept in the business scriptures. My descendants of the Fan family dare not forget their roots!" Fan Yong respectfully saluted Chen Xu again.

"The state of Tao Zhugong's business is not something we can learn, but even a little bit of fur can make merchants have the foundation of roots, not deception, and integrity. Since I cooperate with Fan, I hope to carry forward this concept. People say that gentlemen are like righteousness and villains are like profits. In the eyes of some great sages, merchants are all behaviors of villains. But we clearly make money, spend money cleanly, do not take unrighteous wealth, do not do bad things, be honest, and be honest. We have all etiquette and integrity, so why can't we be called gentlemen? It's just that gentlemen love money and get it well!"

Chen Xu's words were like the sound of spring thunder, instantly touching Fan Yong's eyes.

After so many years, he finally heard a word from the mouth of a Qin official, shocked him. Merchants... Merchants who were discriminated against by everyone actually had the essence of a gentleman.

"A gentleman loves money and gets it well..." Fan Yong repeatedly muttered this sentence, his gray eyebrows and beard trembled constantly.

"Old Fan, please take this carving board and let the carving worker carve it out quickly. After the seals of the staff are prepared, we will do a simulation drill for deposits and withdrawals in a few days!"

“Simulation drill?”

"Yes, I'm just arranging some people to pretend to come to the money house to deposit and withdraw money so that the staff can familiarize themselves with various procedures and rules as soon as possible!" Chen Xu nodded.

"This method is indeed good. You really have to practice it first, so as not to avoid the handling personnel being unfamiliar with the rules except for mistakes!" Fan Yong nodded repeatedly and quickly arranged for someone to take the ebony board and the deposit certificate drawn by Chen Xu to find the best carving and carving plates in Wancheng.

"By the way, Mr. Fan, I opened a theater in a Qinghe Inn next to Qinghe Store. Please send me an invitation and invite some well-known famous priests and merchants in Wancheng to watch..."
Chapter completed!