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Chapter 477 Bank Branch

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    ?

    On October day, the Northland was already in a bleak state.

    ? At the end of October, the first snow fell in Yanmen. Under the heavy snow, the whole Yanmen was covered with snow.  In such a cold weather, the common people are already dressed thickly, wrapped like rice dumplings.

    The more this is the case, the more profitable Du Qi's down jacket store is, and it can sell countless clothes every day.  Especially in the north, there are many merchants who come and go, and they also buy in bulk from down jacket stores on a large scale, and then sell them in the north.

    The winter on the grassland is extremely cold.

    It is much colder than Yanmen.

    So much so that down jackets are now accepted by countless people.  After all, whether it is an expensive down jacket or an ordinary priced down jacket, there is always a suitable one for the common people.

    In the restaurant, mutton soup pot and hot pot have also been launched.

    This is made by a cook from Chang'an. After all, the mutton soup pot and hot pot in Chang'an city have long been popular and even imitated by countless people.  It's just that no matter how imitated, Du Qi's restaurant is the most authentic and has the most comfortable taste.

    Du Qi's business further expanded in Daizhou.

    On this day, Du Qi was reading a book.

    He has nothing to do in Daizhou now. After all, it's too cold to go out. Qianxue and Li Yanyun are busy with business matters every day, leaving early and returning late.

    Most of the time, Du Qi is alone, so he simply reads at home.

    While Du Qi was busy, Jin Wuque came.  He entered the room, took off his down jacket, walked straight to the brazier to warm up, and said, "My lord, it's really cold today. But the colder it is, the better the business of our down jacket shop will be. Especially at the restaurant, hot pot  The business is also very good, and there are countless people queuing up every day.¡±

    Du Qidao: "It's winter, it's time to make money."

    Jin Wuque changed the subject and said, "There are two reasons for the lowly position."

    Du Qidao: "What's the matter?"

    Jin Wuque replied: "The first thing is that Du Chuke Du County Magistrate sent a letter from Chang'an, saying that His Majesty has allowed the young master to return to Chang'an to worship the ancestors for the New Year."

    While talking, Jin Wuque handed over the letter.

    Du Qi took it over, read the word "ke" written by the imperial pen and Zhu Zhu on the letter, and smiled on his face.

    It's done!

    With Li Yuan's consent, Du Qi can return to Chang'an to arrange many things.

    Du Qi put away the letter and said, "What is the second matter?"

    Jin Wuque said: "The second thing is about the bank. Today's bank is only found in Yanmen. When I was in charge of the bank, many businessmen from Chang'an said that it is convenient for us to have a bank in Yanmen.  They went north to Turkic to do business."

    "Actually, it's not convenient enough."

    "Because they returned to Chang'an from Yanmen, they had to bring money back. After all, there is no place to exchange money in Chang'an City. These merchants hope that we can open money houses in Chang'an and other places."

    "In order to facilitate exchange in different places."

    Jin Wuque said: "Only in this way, they have made money in the north, and after returning to Yanmen to save money, it will be very easy to go south to Chang'an, and they can redeem it in Chang'an just by redeeming the ticket."

    "Even, some merchants in the Jiangnan area said that there are many merchants in the Jiangnan area. They came to Yanmen from the south. It would be more convenient if there is a bank in the Jiangnan area."

    "It's not enough to say that you have to go south with a lot of money."

    There is longing in Jin Wuque's eyes.

    He hopes that there are banks all over the country.

    It's just that it's not easy.

    Du Qi nodded and said: "You mean to establish our bank in Chang'an, Jiangnan Yangzhou and other places."

    "yes!"

    Jin answered without a flaw.

    After a pause, Jin Wuque continued: "However, when Beizhi wanted to open banks in other places, he also thought of some existing problems. For example, when he saved money in the Yanmen bank and redeemed it in Yangzhou, it was only natural.  .¡±

    "However, there may be someone who counterfeit the money exchange of the bank and exchanged it out of thin air."

    "Furthermore, the information between banks must also be shared. If they cannot be shared, there will be bad debts and bad debts. After all, it is extremely troublesome to exchange money in different places."

    Jin Wuque sighed: "If this matter is not resolved, there will always be troubles."

    After Du Qi listened, he nodded with approval.

    Jin Wuque considered it quite comprehensively. In this era, due to communication reasons, the banks in various places are far apart.??It is easy to cause a lot of unnecessary troubles.

    In these respects, it must be streamlined.

    It is impossible to have as many functions as the banks of later generations.

    Du Qi said: "In principle, I agree with the opening of banks in Chang'an, Yangzhou and other places. However, the two things you mentioned, the first is the issue of foreign exchange, there must be preconditions."

    Jin Wuque said: "Young Master please advise."

    Du Qidao: "The problem of cashing out in different places is the matter of depositing money in Yanmen and withdrawing money in Yangzhou. When depositing money in Yanmen, it must be stated that it is to be withdrawn in Yangzhou, or that it is withdrawn from the same place in Yanmen."  .¡±

    "If the money is deposited and withdrawn in another place, then it must be withdrawn in Yanmen, and other places cannot be withdrawn. And this withdrawal can only be withdrawn in Yanmen."

    "If it is remitted to Yangzhou, it must be exchanged in Yangzhou, and Yanmen must send the notice of the exchange to Yangzhou Datang Bank. After the advance notice, the depositor can redeem it in Yangzhou."

    "Not only that, but Yangzhou Bank must reply to Yanmen to write off the account after cashing out."

    "In this way, the process will be more complicated, but there will be no dead debts, and it is impossible to exchange out of thin air. From the time of exchange, it is clearly defined whether it is a deposit or a foreign exchange."

    Du Qi talked eloquently and said, "Only in this way can unnecessary troubles be reduced."

    "On the other hand, the messages between banks must be encrypted. Even if they are robbed, there will be no problems. And the channel of transmission must be special, and there must be no mistakes."

    "Of course, the bank is not a simple matter. It is extremely complicated to do well. Even if we have made a lot of preparations, there are very likely to be some problems."

    "But don't worry, take your time."

    "Here in Yanmen, as the headquarters for the time being, the banks in Chang'an and Yangzhou will have less business and will develop slowly. They only open deposits, exchanges, exchanges, and some mortgage loans, etc. The business does not need to be too complicated."

    Du Qi said: "In short, everything does not appear out of thin air, nor does it happen immediately, it appears step by step."

    Jin Wuque said: "My son is wise!"

    Du Qidao: "Okay, you can arrange the bank's affairs. But the arrangement of the Yangzhou branch of the bank will not be arranged until the spring of next year, because the bank will be in operation until next year, and the internal personnel can also distinguish between high and low, and can select excellent ones.  People. As for the Chang¡¯an branch, I¡¯m going back to Chang¡¯an and will make arrangements.¡±

    Jin Wuque said: "My son is wise!"

    Du Qidao: "During my absence in Yanmen, you will be solely responsible for Yanmen's business system."

    "yes!"

    Jin Wuque replied immediately.

    For him, this is not a difficult matter, and it is not difficult to handle it with ease.

    Du Qi asked some more things before Jin Wuque left.  (Remember the site URL: www.hlnovel.com
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