On arriving at the inn in Tak-wan-hsien my estimable comrade, one of the six surviving converts of Suifu, indicated to me that his cash belt was empty--up the road he could not produce a single cash for me to give a beggar--and pointing in turn to the bag where I kept my silver, to the ceiling and to his heart, he conveyed to me the pious assurance that if I would give him some silver from the bag he would bring me back the true change, on his honour, so witness Heaven! I gave him two lumps of silver which I made him understand were worth 3420 cash; he went away, and after a suspicious absence returned quite gleefully with 3050 cash, the bank, no doubt, having detained the remainder pending the declaration of a bogus dividend. But he also brought back with him what was better than cash, some nutritious maize-meal cakes, which proved a welcome change from the everlasting rice. They were as large as an English scone, and cost two cash apiece, that is to say, for one shilling I could buy twenty dozen.
Money in Western China consists of solid ingots of silver, and copper cash. The silver is in lumps of one tael or more each, the tael being a Chinese ounce and equivalent roughly to between 1400 and 1500 cash. Speaking generally a tael was worth, during my journey, three shillings, that is to say, forty cash were equivalent to one penny. There are bankers in every town, and the Chinese methods of banking, it is well known, are but little inferior to our own. From Hankow to Chungking my money was remitted by draft through a Chinese bank. West from Chungking the money may be sent by draft, by telegraph, or in bullion, as you choose. I carried some silver with me; the rest I put up in a package and handed to a native post in Chungking, which undertook to deliver it intact to me at Yunnan city, 700 miles away, within a specified time. By my declaring its contents and paying the registration fee, a mere trifle, the post guaranteed its safe delivery, and engaged to make good any loss. Money is thus remitted in Western China with complete confidence and security. My money arrived, I may add, in Yunnan at the time agreed upon, but after I had left for Talifu. As there is a telegraph line between Yunnan and Tali, the money was forwarded by telegraph and awaited my arrival in Tali.