The day after Jiumei took away the giant deer sword.
News came from the Japanese in Furong Garden.
The captain of the Japanese caravan heard about Bai Song's performance in Miao territory. He was very grateful to Bai Song and invited Bai Song to visit Furong Garden.
Bai Song readily accepted.
He had an intuition that a lot of things would happen when Japanese people visited Tang Dynasty.
And I have many dealings with Japanese people.
Therefore, it is not a bad thing to contact Japanese people first.
At the same time, Qing'er temporarily separated from Bai Song.
Bai Song said that she was no longer from the Mo family, which was a bit cruel, but it also made Qing'er understand her identity better.
In the capital, there is Mobai Money Bank, which she managed single-handedly.
On the surface, the bank is still operating, but in the dark, the intelligence organization has been paralyzed for half a year.
Except for the direct descendants of the Mohist family who were controlled by the imperial court, there was still a group of intelligence personnel who did not belong to the Mohist family and had no one to organize them. They had returned to the role of civilians half a year ago.
A paralyzed intelligence network needs to be restarted.
After Qing'er understood her identity, she became more pure in working for Bai Song.
Liu'er also followed Qing'er.
Liu'er's purpose is very simple. He needs to use Qing'er's intelligence network to find out about the defecting witch.
So she had no reason to stay with Bai Song.
Although Liu'er wanted to stay with Bai Song uncontrollably.
Love Gu is changing Liu'er's every move. Originally a group of ordinary friends, because of the connection of a bug, the little girl's never-before-experienced emotions erupted like a torrent, silently accumulating in her heart.
It was the first time she was separated from Bai Song, and the little girl felt restless all the time.
The two women returned to the bank and entered through the backyard.
A group of strange guys looked at them, frowning.
"Who are you? You can't come in here casually."
"You two girls, are you going to the wrong place?"
Good-looking girls receive varying degrees of preferential treatment wherever they go.
When the guys saw the appearance of these two people, their voices became gentle involuntarily.
"Is your shopkeeper here? Let him come to see me."
Several waiters looked at the two of them up and down. Others would have shouted, "You are so loud. You can meet the shopkeeper just by asking?"
But the appearance and clothing of these two men were extraordinary, and the guys were thinking, could they be big clients of the bank? These little guys can't afford to offend.
I thought the guys would ask you two to wait in the backyard, and then go to the front hall to deliver the message.
After a while, a young man came out holding a book, with a bookish look on his face, which was completely different from the temperament of the merchants in the market.
This person is Xie Yuan, Bai Song's classmate and friend.
"Who?"
Qing'er didn't know this person, but she heard Bai Song say that the current bank is run and looked after by classmates from the academy. I saw this man coming out holding a book, and on the way I heard that the Spring Festival was about to be held in the capital, so I knew that this man must be a classmate of Bai Song.
"Are you Bai Song's classmate?"
"Yeah, who are you?"
"My name is Qing'er, I'm from Bai Song... I'm the shopkeeper of the bank."
"Qing'er...Miss Qing'er?"
Xie Yuan thought of something and was a little surprised.
Except for Yu Qingqing, no one in the academy had ever seen the former shopkeeper of this bank.
I only know that her name is Qing'er.
Today, a Qing'er came without any warning, and Xie Yuan was a little at a loss.
He thought for a while, he needed to confirm his identity first, then turned around and told the clerk to go to Yu Mansion to call Yu Qingqing over immediately to see if it was really Qing'er.
Then he held his hand to Qing'er and said: "Girl, later on, I will ask someone to come over and confirm the girl's identity. After all, the bank's business is not small..."
"Understood." Qing'er simply responded and stood aside silently.
Liu'er looked at everything around him. Having just arrived in Chang'an, he felt that every place here was full of novelty.
Xie Yuan looked at Qing'er. He knew that Qing'er was a girl, but he didn't expect that she would be such a beautiful girl!
It's a pity that such a good-looking girl comes out to be a shopkeeper.
Xie Yuan was in a daze for a while, and then he remembered to invite Qing'er inside to sit down.
Ask someone to bring tea, and then ask: "Where is Bai Song? How is he?"
"We should be returning soon."
"How has he been doing during the past six months?"
"Young Master can ask Bai Song personally after meeting him."
Xie Yuan said nothing more, he only sighed in his heart.
This girl is so cold.
There was an endless stream of customers in the front hall. Qing'er took a moment to observe and found that in the short time she just came in, there were more customers coming to the bank than in the previous day.
Qing'er was very satisfied with this and nodded approvingly like a manager: "I didn't expect you guys to be able to run the bank so well in the past six months. It must be very hard for the young masters."
Hearing Qing'er's approval, Xie Yuan smiled strangely, as if he had something to hide, he hesitated and said: "It's just average, not as good as the girl said. I... I'm just afraid that Bai Song will come back and complain. "
"Complaining? Where do you complain?"
"Well... let's wait until the girl's identity is confirmed before we elaborate."
As soon as he finished speaking, a handsome boy rushed into the bank and stood at the door looking around.
Qing'er recognized her at a glance.
It's Yu Qingqing.
She still looks the same as before, still dressed in men's clothing, and she can still be recognized as a girl at a glance.
The difference is that the girl now is much taller and slimmer than half a year ago.
"Sister Qing'er, it's really you!"
Yu Qingqing also saw Qing'er at a glance, and ran over quickly with joy on her face. The next thing she asked was: "Where is Bai Song!"
Qing'er frowned slightly, and then she realized deeply how popular her husband was with girls in the capital.
This young lady from the Yu family is also a little female cat who only wants to take food from her own mouth.
Qing'er smiled and whispered, "I don't know when he will come back."
Upon hearing this, Yu Qingqing immediately showed a disappointed look on her face and said lightly: "That's it..."
The little girl's disappointment flashed away, and she stared at Qing'er overjoyed: "Sister Qing'er, are you coming back to say that the matter has been resolved? Can you continue to stay in the capital?"
"There should be no problem."
"That's great. I'm bored to death at home alone, and I'm worried that no one will play with me."
"I'm afraid it will be very difficult in the future. It's been half a year since I left you, and there are a lot of things to deal with."
Xie Yuan watched the conversation between the two and knew that Qing'er's identity was true.
Seizing an opportunity, Xie Yuan said: "It's good that the real master is back. I have time to read seriously. Spring is only two months away. If I fail the exam, I won't be able to stay in Chang'an."
Qing'er noticed Xie Yuan and remembered the previous topic: "Sir, can you tell me what you just said?"
Xie Yuan frowned and said coyly: "Although there are many customers at the bank now, most of them are buying the financial products launched by Bai Song. There are more people buying financial products now, and they can cash them out every month." There is also a lot of interest, and the bank is afraid that it will be out of money within a few months. I calculated an account before and found that the bank now has a hole of one hundred thousand taels of silver from top to bottom. If there is no more profit, it will be gone in three months. Out of stock."
"One hundred thousand taels!"
This number really startled Qing'er. She almost lost her grip on the teacup in her hand and quickly put it down.
"Girl... this... this... we just followed Bai Song's original business content, and we didn't spend Bai Song's money carelessly." Xie Yuan explained repeatedly.
Yu Qingqing was indignant after hearing this and said in surprise: "What did you say? One hundred thousand taels! The imperial court does not have one hundred thousand taels for military expenditures for a year! You lost one hundred thousand taels in half a year? Is this what you did when you took turns visiting the store? It’s really useless, isn’t this causing trouble for Bai Song?”
When Xie Yuan heard this, he couldn't even raise his head.
A group of scholars don't know much about the bank's business. Anyway, they just listen to what the original clerk says about the bank's business, and they follow it.
They think that the bank is a profitable business, but never think that it is a losing business. As more and more people come to save money, the hole in the bank's losses becomes bigger and bigger.
A group of scholars still don't understand the principle, let alone the significance of the financial products launched by Bai Song.
Qing'er couldn't sit still and quickly went to look at the account book.
One month's account book is hundreds of thick pages, and it's impossible to read it all.
But I can get a rough idea.
I heard that the financial management products of banks are very popular, and people are getting interest from them and enjoying the benefits. More and more people are rushing to buy them.
For every financial product sold, the bank loses 12% every year.
Bai Song's original idea was to use financial products with high annualized rates to open up the market and change people's perception of banks and banknotes.
After that, gradually reduce the annualized rate of financial products, and then use the money raised to invest in other projects to achieve profitability.
However, due to the intervention of the imperial court, Bai Song had to leave the capital, and the bank was left to a few classmates to run.
Bai Song had no time to inform him of his plan. The market was now open, but interest rates had not dropped. Such high interest rates would definitely put great pressure on banks.
In just half a year, the bank in Beijing had a hole of one hundred thousand taels, and the bank in Youzhou has not yet achieved a balance of payments.
Qing'er realized that her husband was in big trouble.
But things have happened, and there is no point in regretting and worrying.
Qing'er pretended to be calm, put the account book back, and said softly: "It doesn't matter, everything will be solved when Bai Song comes back. Now leave the bank's business to me."
Xie Yuan felt a little guilty, feeling that he had caused Bai Song to pay for it.
Although I wanted to say a few more words to Miss Qing'er, I felt that it was not suitable to stay here for a long time, so I left quickly.
Qing'er took over the bank and called all the clerks over. The first was to introduce herself, and the second was to suspend the business of all financial products.
Then, Qing'er returned to the backyard and looked at a group of homing pigeons kept in the corner of the backyard.
He took a pen and paper, tore it into many small pieces of paper, drew a copper coin mark on each piece of paper, wrapped it around the legs of each homing pigeon, and finally released them.
Finally, Qing'er said to Liu'er: "Just stay in the capital and wait for news. The young master's people will help you keep an eye out for any traces of the great witch."
