Chen Xu had long expected that as long as Qinghe wine is used as an advertisement, countless wealthy people would definitely flock to Qinghe shops. With the signboard of Xianwu, you will naturally have no worries about selling it.

Moreover, Wancheng gathers countless merchants in the southeast, southwest and northwest of the country. With their keen sense of smell and sensible business acumen, it is impossible not to buy in large quantities. Even if a bottle of 8,000 yuan is brought to other cities, it can easily be sold for more than 10,000 yuan. In addition, it is definitely in short supply. The Qin Dynasty is now vast and occupies a prosperous place. There are at least seven or eight people with a population of like Wancheng. There are countless nobles and rich people left behind by the six countries, not to mention the capital Xianyang. Almost half of the rich people in the country are concentrated there. A few hundred bottles of Qinghe wine are thrown into the scope of the Qin Empire. Even the bubbles will not be digested in a blink of an eye.

But Chen Xu guessed the beginning but didn't guess the ending now. The money came too quickly, which made him a little unbearable. Moreover, it was the result of him raising the price and reluctantly selling it. Otherwise, all the more than 300 bottles he brought might be sold out today.

I used to have no money, but now I have too much money and it is also a big problem.

Daqin is too backward, and he doesn't even have a bank.

Looking at Chen Xu's frowning look, Fan Yan hesitated for a moment and said, "Little Langjun, these money are indeed too huge, you must be careful, otherwise it may cause disaster. If you believe in Fan, you can transport it to me in the cellar of Wancheng for storage first, and you will use it to extract it later."

"Thank you, Mr. Fan, for helping him solve the problem. It's better to leave it to the old man for helping him take care of it!" Chen Xu bowed helplessly and thanked him.

"Don't worry, little husband, Fan will never be corrupt..." Fan said while stroking his beard.

"It's not because I'm worried about this, but Xu is still at ease with the reputation of Fan. But Xu is thinking about the future. Now the Qin Dynasty is stable, and merchants are bustling from south to north. Whether it's a transaction, you need to carry a lot of money. The gold and copper are very heavy, and it's not convenient and unsafe to carry it. If you can solve the problem of carrying a lot of money but buying and selling goods, wouldn't it be much more convenient for merchants all over the world!" Chen Xu said with his chin pinched.

"Haha, although the little husband has a good idea, it is impossible. How can he buy goods without money? How can he not receive money when selling goods? Gold and copper are indeed expensive, and carrying them is very troublesome, but this is always an unchangeable situation. It has been like this since ancient times, not today!" Fan Yan said with a smile.

"This matter is not impossible to solve. Xu has a method that can work. It can be done without carrying gold, copper and money. However, many of the joints need to be straightened out. Once this method is successful, merchants around the world should not worry about this matter!" Chen Xu gently tapped the table with his finger and said slowly.

"Oh, there is also this method. Can you explain it in detail?" Fan Jun was very excited when he heard this.

Chen Xu looked at Fan Yang and smiled and said, "Old Fan, it is not difficult to implement this method. What is difficult is the many joints, such as Qin's rules, the attitudes of officials from all over the country, and the merchants' recognition of this matter. If we want to do it, it will definitely not be possible for both of us to do it. It requires the support of many people, because once it starts to operate, the money involved in the entire Qin Dynasty can be said to be millions every day. With such a large transaction amount, it is ugly to die if you are not careful!"

"Don't be afraid, now you and I are here, and you are here, and you are here. If Fan feels that it is indeed impossible to implement it or it is too dangerous, it is naturally assumed that it has never heard of it. But if it can really solve this big trouble for merchants in the world, you can buy and sell without bringing money. Fan should do his best to implement it. Fan is both a merchant and a leader of the entire Qin business world today. The Qin law is indeed harsh on merchants, but merchants are not powerless!"

Fan Yong's face was extremely serious when he spoke.

Although he and Chen Xu met for the first time, what he saw and heard in the Qinghe store today has completely subverted his past business philosophy, whether it is a voucher or VIP card, or items sold inside that they have never heard of. In addition, the two have reached a contract for wine cooperation just now. Although Chen Xu is young, he is no longer as simple as a young man. He is neither humble nor arrogant in his words nor arrogant, and has no flaws in his mind. Moreover, his words and actions are unique and strange. For example, he has never heard of signing a contract, but Chen Xu seems to be familiar with it casually.

"Since Mr. Fan said that, Xu would briefly talk about the key points..." When Chen Xu was speaking, he took a piece of hemp pulp paper from the side, used a brush to point a few ink dots on it, and then scribble the names of seven or eight cities including Xianyang, Wancheng, Luoyang, Kaifeng, Handan, Daliang, Linzi, and then said, "Please look at Mr. Fan, these are the most prosperous cities in our Daqin today, and these places are also the places where merchants are most concentrated. It is not an exaggeration to say that merchants are like clouds and goods are piled up like mountains, right?"

"Not bad!" Fan Yong nodded.

"There are also many storage and a lot of money carried by merchants in these big cities, right?"

"That's right!" Fan Yong nodded again while holding his beard, but he was still confused.

"The current situation is like this. If a merchant wants to go to Handan from Wancheng to purchase goods, he must bring a lot of money and goods. The merchant exchanges the money in Handan for goods and transports it back to Wancheng, and then sells it. After getting the money, he goes to Linzi to purchase goods. The money is spent and transported back a lot of goods for sale and exchanges it for money again..."

"All merchants trade like this, there is nothing strange about this!" Fan Yong felt that what Chen Xu said was a waste of saliva.

"Don't worry, Mr. Fan, Xu will immediately talk about the key points!" Chen Xu pointed at the lines he drew with a brush and said, "In fact, gold and copper coins are equivalent to a kind of goods now. They are transported by merchants in different cities. Money for buying and selling goods is a must, but I don't think it needs to be brought with me. Not to mention the distance, safety is also a big problem. The current situation is that Handan has a lot of money, and Wancheng also has a lot of money. If a merchant stores the money in the hands of an intermediary merchant in Wancheng, and then goes to Handan and borrowed it from another intermediary merchant to purchase goods, wouldn't it solve the problem of money, and there is no need to walk around with a lot of money..."

"Well, this method is indeed possible. Our Fan family has their own commercial properties and personnel in many cities, and sometimes they will withdraw money nearby, but if they find an intermediary merchant, how can he lend the money casually?" Fan Yong asked in confusion.

"This is the most critical part of it. This intermediary merchant is the most critical and core part of the solution to this matter. If you can set up an intermediary called a money house, specializing in borrowing and borrowing goods in Handan and Wancheng, the two places can use a token that both parties agree as a certificate. For example, I want to go to Handan to get goods worth 100,000 yuan. I have money in Wancheng, so I deposited 100,000 yuan into the money house in Wancheng, got the deposit certificate issued by the money house, and then took this certificate to go to Handan. After arriving in Handan, go to the money house and use this certificate to withdraw the money from the goods. There are also merchants in Handan. They deposited the money in Handan and bought goods with the voucher. The goods were circulated in both places, but the money did not need to be brought with them. Moreover, each time the merchant deposited and withdrawed, they had to pay the money house a certain amount of deposit and borrowing fee. It should not be too high, and it must be within the scope of the merchant's tolerance..."

"Hiss~~" As a family of merchants for generations, Fan Yong instantly figured out the principle, and couldn't help but take a deep breath, and his excited face twitched hard: "Fan understands that not only Wancheng and Handan are like this, as long as the money shop is opened to all cities, then merchants in the east, south, west and north will not have to bring money with them in the future. They only need to deposit and withdraw money everywhere with tokens. This method is too... too incredible, but it has the possibility of handling it. Only strong strength is needed to ensure the safety of the money!"

"Yes, safety is the link. Whether the Qin Dynasty law allows such operation, whether local officials support it, and whether merchants accept it, these are all issues that need to be solved!" Chen Xu threw down his brush and said.

"Xiao Langjun said it well. This matter is troublesome to operate, but it can easily solve the problem of payment for purchases and sales!" Fan Yong nodded repeatedly.

"In fact, another advantage of money shops is that they can use the extra money in the hands of many merchants. The reason why Xu thought of this problem just now is because he just got this large amount of money. If it is useless now, it is piled in the warehouse without any use, but it is also a huge waste!"

"The merchants can only keep the purchase money in their own warehouses and cellars without paying them, and there is no way to waste rust and waste!" Fan Yong shook his head.

"No, if you have a money house, the money can naturally be used. We can use the interest method to let merchants deposit money that they don't use on weekdays into the money house for our use." Chen Xu said.

"What is the method of interest?" Fan Yong's face changed again.

"Interest is to give a certain amount of money subsidy according to the amount of deposits according to the time. For example, if you have a 100,000 yuan piled in the warehouse, but it is not used, then you can deposit it into the money house. The money house pays you two hundred more money every month..."

"But how can the money house use this 100,000 yuan? Isn't it still only piled up in the warehouse?" Fan Yong was puzzled.

"No, the money shop can lend this money to merchants who urgently need it at the interest of one thousand yuan per month!"

"What if he doesn't pay back the money?" Fan Yong asked in surprise.

"Haha, this needs to be evaluated based on the credit amount of the merchants on weekdays. For example, those merchants who borrow frequently and have good credit on weekdays can naturally borrow money. This is naturally risky, but each time they need to sign a detailed loan contract, if they fail to repay the credit, they can go to the government office to sue him."
Chapter completed!