I don't know how long it took before the "petrified" people in the store started to move.
The waiter stood on tiptoe and looked out the door and muttered, "You can really pretend. I was almost fooled. You can use any piece of paper as money? Are you kidding me?"
Shopkeeper Li slapped the waiter on the head, "You idiot! Isn't the meeting just a piece of paper?"
"How can that be the same?" The clerk covered his head, quite unconvinced. "The document was issued by the imperial court. If you falsify it, you will be beheaded. However, the origin of this piece of paper is unknown. I have never seen it before. Who knows if it is truly royal?" Issued by the bank."
The imperial court punished the manufacture of counterfeit banknotes very severely, and the reward for reporting counterfeiting was also very generous, up to one thousand guan. If you paid no money, you could be banned from office. Therefore, although it was technically not difficult to commit counterfeiting, it was very difficult not to be reported.
Shopkeeper Li said with disdain, "You know nothing! Do you think you don't need to be beheaded if you create a fake Royal Bank? Isn't the royal family bigger than the imperial court?"
"Even if it is really a Royal Bank check, there is no way to fill in the numbers casually. Do you really think that the bank is owned by his family? If we fill in the amount of ten thousand and one hundred thousand dollars, let's see if the bank will give it!?" The guy is still tough.
During the Song Dynasty, when commerce was developed and the financial field also developed, they had already begun to speculate on valuable bills such as Duzhao Tea Yin, and Qian Yinhuizi banknotes were essentially deposit certificates, but with a fixed amount marked on them, so " They are also very receptive to the concept of "cheque".
But the operation of giving a blank check and filling in numbers at will is really unbelievable.
"How ignorant!" Shopkeeper Li said, "Don't say 100,000, even if you pay millions, the bank will pay for it, but do you have goods worth that much money to give them? If it's not enough, you have to pay for it with your life, do you understand!? You know, we are doing business, and we have to follow the rules! Anyone who can take out such a check now must be an extraordinary person. If you dare to talk to him first If he doesn't follow the rules, he will hang his neck."
Rules are a constraint for many people, but they are also protection. Only those with enough capital can not follow the rules or even make rules.
"Haha, shopkeeper Li knows things clearly." A young customer laughed.
Shopkeeper Li clasped his hands, "These are some simple truths, but this kid doesn't understand. As his uncle, I had to spend more words to let him know something, but it made Mr. Zhou laugh."
After saying that, he kicked the waiter again, "Why are you still standing there? Hurry up and wrap up those Mohele...be careful with your work!"
Zhou Langjun smiled again and said, "Shopkeeper Li is actually not entirely right. As for this check, you can't get it from the bank no matter how much you fill in. It also depends on whether there is enough money in the account or the grade of the check. There is a certain overdraft limit.”
"Oh, level? Overdraft?" Shopkeeper Li looked like he was asking for advice, "Mr. Zhou is well-informed, so I hope you can give me some advice."
"Haha, shopkeeper Li is being serious. I can't say he is well-informed. It just happens that my father also has such an account, so Zhou knows a little bit about it."
Zhou Langjun sounded like it was no big deal, but his face clearly showed pride and show off.
"Ah, it is said that this check has only been issued to less than thirty people so far. Each of them has at least tens of millions of dollars in wealth. Mr. Zhou's family is definitely not idle." Another guest was very surprised, with an expression on his face. Warmly, with a look of friendship, "I, Zhongtong, come from Yangzhou, I don't know the name of Mr. Zhou."
Zhou Langjun saw that Zhong Tong was gorgeously dressed and handsome. He was not like an ordinary person, but he was happy to get along with him. "In Zhou Renfa, he is a native of Pingjiang. Brother Zhong comes from other places, but he is very well-informed."
"It's all just hearsay, and I only have a partial understanding of it. I still need to ask Brother Zhou Xian to teach me the details."
Zhong Tong looked like a businessman at first glance, and he established a relationship with him in just a few words, and they started to call each other brothers and sisters.
Others in the store took advantage of the opportunity to compliment Zhou Renfa, "The Zhou family is also well-known in our Pingjiang... This time we boarded His Highness King Yan's ship in time, and it will definitely be more prosperous... Please tell Mr. Zhou about this check." Let me wait and see."
Seeing that everyone was looking at him eagerly, even the Lu family and his wife pricked up their ears. Zhou Renfa's vanity was greatly satisfied and he began to explain.
"Brother Zhong is right what he said just now. Currently, only about 20 people are qualified to use checks. But it does not depend on your wealth, but on how many stocks of the three major companies you own. For the time being, only holding Only those with more than 10,000 shares are qualified, and the Han family will meet this standard."
"Hiss... Ten thousand shares!?" Many people in the store gasped, "One share of one hundred guan, that's one million guans! The Zhou family is so proud!"
"That's not right!" Zhong Tong's eyes shone, "One hundred guan is the issue price. Nowadays, no matter which of the three major companies' stocks, someone has offered a price of more than 200 guan. Unfortunately, there is no market for the price. I haven't heard of anyone reselling it. stock."
"Hiss!" There was another loud intake of breath, "It has only been a few days, and it has doubled immediately. Doesn't it mean that the Zhou family has made a million yuan in the blink of an eye?"
Zhou Renfa was elated but pretended to be humble, "It's false, this is all false. His Highness King Yan said that this kind of speculation is just speculation. It may make money, but the risk is also very high, so ten big characters can be seen everywhere on the exchange." , "There are risks in entering the market, and investment needs to be cautious." My father also often said that His Highness King Yan is wise and benevolent, and what he says is absolute truth. Even if you don't understand it for a while, you can't go wrong as long as you follow it. Therefore, Han The family’s stocks will never be sold! "
Zhong Tong came to Pingjiang because he actually wanted to buy some stocks, so he couldn't help but said, "It is said that it will take at least three to five years for these three major companies to make profits and dividends. Now that the stock prices are so high, it might not be a bad idea to sell some appropriately. If the Zhou family If you have this intention, Zhong is willing to give you three hundred guan for one piece!"
Haha, do you think I'm stupid?
It is right to pay dividends after three to five years, but after that, the dividends will be at least doubled every year. Who needs to say which is more important?
Zhou Renfa glanced at Zhong Tong lightly and said, "Haha, what Brother Zhong said makes sense, but what my father has determined is basically unchangeable, so I can only apologize to Brother Zhong."
Zhong Tong felt very regretful, "I rushed here after hearing the news, but in the end I still missed a huge opportunity. It would be great if His Highness King Yan came to our Yangzhou."
Anyone who can offer three hundred guan a share must have some background. Zhou Renfa is naturally willing to continue to make friends, so he comforted him, "Brother Zhong, there is no need to be discouraged. Although it is difficult to buy stocks of the three major companies, there are many ways to make money in Pingjiang nowadays. I heard that in the next few days, another group of companies will be listed. It may not be as good as the three major companies, but it is definitely a good way!"
"That's true. Nowadays, there are construction projects everywhere outside Pingjiang City. It can be said that there is gold and silver everywhere. It's a pity that I have just arrived and don't know where to start. Fortunately, I met a noble person when I went out. I was lucky enough to get to know Brother Zhou Xian. If Brother Xian hadn't If you don’t like it, why don’t we just sit together for a while?”
Zhong Tong came to the jewelry store because he wanted to prepare some gifts so that he could go to someone to learn from him.
Zhou Renfa followed suit and said, "It's easy to talk. I fell in love with Brother Zhong at first sight. From now on, we will be close friends and we should support each other."
At this time, shopkeeper Li was a little anxious and said, "Mr. Zhou, you haven't said yet what the level and overdraft mean."
"Haha, look at me, just chatting with Brother Zhong..." Zhou Renfa slapped his forehead and continued, "There are five levels of this check. To put it simply, those who hold more than 50,000 shares are the first level. In fact, No one can own so many stocks, so there is basically no first level, and 10,000 to 50,000 shares are the second level, just like the Han family. Currently, most of the other twenty or so are in the second level. Then, those with 5,000 to 10,000 shares are the third level. Only a few people have opened the check authority for the time being. One thousand to 5,000 are the fourth level, and those with less than 1,000 are the fifth level. It is estimated that it will take a long time to pass these two levels. Permissions are enabled."
"As for overdraft, even if you have no money in your account, you can withdraw a certain amount of funds from the bank with a check. Speaking of which, this check overdraft is also a benefit given by His Highness King Yan to shareholders such as me. For example, the Han family wants to buy a full Ten thousand shares, not only did I use up my cash, but I also basically mortgaged and sold off all other properties. Now it is not an exaggeration to say that the family is completely destitute. The Han family is very poor now, haha."
Zhou Renfa laughed at himself, others would not take him seriously. At the same time, he admired the Zhou family's ruthlessness. Speaking of which, Zhou Renfa complained about his father's decision at first, but later it was proved that the old ones are still hotter.
"This is not a big deal in the first place. What if it happens?"
If you need money urgently, you can just sell some stocks casually. Even if you suffer a loss, there is nothing you can do. But His Highness is truly benevolent and knows that we are in this kind of difficulty, so he specially set up an overdraft to alleviate it, and the annual interest rate is not high, but only two Just done. "
"As for the quota, there seems to be no limit at level one, 300,000 guan at level 2, 100,000 guan at level 3, 30,000 guan at level 4, and no limit at level 5. You can only withdraw money from the account."
Zhong Tong was stunned, "Unrestricted? What does this mean?"
Zhou Renfa scratched his head, "Unlimited means unlimited. To put it simply, a first-class check can withdraw all the money in the bank. Although it sounds outrageous, after all, there is no real first-class check."
"That's true." Zhong Tong thought for a while and asked, "Then how can we distinguish these levels?"
Zhou Renfa replied, "It's quite simple. Just look at the color of the six characters "Da Song Royal Bank" on the check. Level 2 is silver, level 3 is red, level 4 is blue, and level 5 is black. "
Then there was a loud shout from behind Shopkeeper Li, "Uncle, the color of the picture in your hand is wrong. I guess I was right. It's a fake!"
It turned out that when the waiter saw that everyone was fascinated by what he was listening to, he put aside his work and quietly came over to eavesdrop.
Everyone in the store was shocked. No way, someone really dared to forge Royal Bank tickets! ?
Shopkeeper Li was also panicked, but he quickly realized that the customer had already said that he had to go to the bank to cash out the money before delivering the goods. There was no point in pretending that he was just teasing people, but This color is indeed different from what Zhou Langjun said.
"Let me see!"
While shopkeeper Li was in a daze, Zhou Renfa walked over and took the check into his hand, looked at it carefully, and then froze, "Golden!?"
"It's impossible..." Zhou Renfa quickly rubbed his eyes, looked again, and then got excited and said, "One, first level! It's actually first level!"
"Level 1?" Zhong Tong poked his head over, "Didn't I just say that Level 1 doesn't actually exist? Brother Xian, you must have read that correctly."
"It's absolutely correct! I have been observing my father's check for a long time. Except for the color of the six words, the other details are exactly right... Ah! I know! Look at this seal! Just now, the person just now was His Highness King Yan! "
Just when Zhou Renfa was extremely excited and everyone in the store was shocked, a big man came in from the door and took out a gold medal from his arms.
"I am the Imperial City Secretary! Your Highness's behavior is a secret. Now that you know it, hehe... Even though you know it unintentionally, there must be no leaks, otherwise none of you here will be able to escape. Do you understand?"
After saying these words, the big man left.
It took a while for everyone to wake up, but they felt that there were still countless eyes staring at them, and their voices became extremely quiet.
"It's really His Highness." Shopkeeper Li was still in a daze when he took back the check.
"Can it be fake? Shopkeeper Li is so lucky. His Highness came to your store and gave you a legendary first-class check. Tsk." Zhou Renfa's eyes were full of envy.
Zhong Tong raised his hand and started to slap himself in the face, "I really have a pair of dog eyes. I didn't recognize the true God when he came to me. I missed this once-in-a-lifetime opportunity like this. Damn it!"
Fan Wenhu was a little scared, Mom, I was going to attack King Yan just now. No, if he holds a grudge, killing me is like killing an ant. Is this a good thing? No, I have to run away quickly.
Madam Lu also had a look of surprise on her face, but she didn't care very much in her heart. When she noticed that her husband looked bad, she comforted her casually, "Don't worry, you are from my Lu family!"
The waiter beamed with joy, shook Shopkeeper Li, and grinned, "Uncle, since it is a real check, let's cash it quickly. This is a big deal, and the boss will give us a lot of reward."
Shopkeeper Li slapped the waiter hard on the head, "I'll give you a reward! I know how to reward you. If you really go and redeem it, the boss will eat us. Do you know what this is? This is the real treasure, don't say a few words." Thousands of strings, even tens of thousands or hundreds of thousands strings, are not as good as this piece of paper!"
He held the check carefully and was at a loss. He couldn't reveal His Highness's whereabouts for the time being, so he couldn't pass it.
The owner just murmured to himself, "I have to frame this treasure... let the craftsman put a gold plaque on it... this is the treasure of the store!"
Shopkeeper Li, who became a little nervous, immediately sent away the customers in the store, announced that it was closed, and asked all the clerks to stay in the store and not go out.
After leaving the jewelry store, Fan Wenhu was comforted by Madam Lu. He was no longer so worried, and his mind became alive again, "Madam, the stocks of the three major companies sound like they are very popular. They have doubled in just ten days." Times, I wonder if our family has bought it? You and your brother have always had a good relationship, but now he is in charge of things. If you buy it, how about we exchange some with him? "
After hearing this, Mrs. Lu shook her head, "I heard from my brother that King Yan is unreliable and will offend all the powerful people in the world sooner or later. Our family has its own foundation and we don't need to rely on him, so we still stay with him." The distance is better, and the crooked things he is doing now may look like the same thing on the surface, but they are not practical at all. They may collapse one day. If our family invests money in it, he will pinch it. Having obtained the financial resources is equivalent to being tied to the King of Yan. Everything depends on his face. It is really inconvenient. Moreover, the Mongols are so fierce... We have to plan for the future..."
Even though Fan Wenhu was her husband, Madam Lu did love him, but Madam Lu was still the real head of the family. Although she was not married in name, there was no difference in reality.
The two were newly married, and Fan Wenhu actually started to fight with Xiao Jiujiu. He wanted to rely on the Lu family to make a successful career, but he also didn't want to be completely controlled by the Lu family, so he encouraged his wife to find some independent source of income.
"Well, it's not unreasonable for my brother to think so, but I do think that home is home and we are we. It is always more convenient to have some money of our own..."
"My own money? Don't I still have a lot of dowry?"
"Your dowry is quite large, but there will always be times when nothing comes of it. It doesn't matter to us. We are really short of money. It's okay to ask the family for some. But what about our children? We can't keep living under the influence of others. A foreign surname is a foreign surname after all."
"You're right, so what do you think?"
"These days, the income from land is getting lower and lower, and we don't know how to do business. I think the company's stocks are the most profitable. We also met King Yan today. He seems to be quite easy to talk to. How about we Find an opportunity to visit him."
"This... I'll think about it..."
