Kingdom of Heaven and Han

Chapter 257 Bank
Li Tang and Li Di came in from the outside, staggering on their feet and singing a tune.Li Tang sang: "If this river is turned into spring wine, the music will be used to build bad hills and terraces." Li Di then answered: "Thousands of golden horses are exchanged for concubines, drunk sitting on carved saddles and singing plum blossoms."

I saw Lin Xi's father and daughter gathered around a table with food and wine on it, drinking there.Li Di shook the wine jar in his hand and said: "We have never forgotten you father and daughter! Look, this is Jinsha Spring in Yicheng, the first-class wine! I bought it specially for you to eat!"

Lin Xi said: "Tomorrow's Dragon Boat Festival, we will drink calamus wine. Keep your good wine there, and drink it slowly in the future."

Li Tang laughed loudly after hearing this: "I forgot, tomorrow is the Dragon Boat Festival! I have been living in exile for several years, and I have forgotten these festivals!"

As he spoke, he and Li Di supported each other, went to the table, and took the top chair.

Stretching his head to look at the food and drink on the table, Li Di said: "You guys are eating well, there are mandarin fish! Today we went to the restaurant and ate a steamed bream. It was really delicious! The meat was tender and delicious!"

The father and daughter of the Lin family shook their heads together when they saw that the two looked drunk.They have also lived a hard life for a long time, so let's indulge a bit today.When Lumen Mountain came down, they found this small courtyard and rented it together.Li Tang and Li Di live in two rooms, and Lin Xi's father and daughter live in two rooms.

Sitting on the top chair, Li Tang said: "Yesterday I showed the first draft to Wang Guan, and I am very satisfied with the observation. I just feel that it is a bit rough. Let us work harder and make it more detailed. By the way, the layout of the observation board is exaggerated. , and the words on the forehead, this is due to Mrs. Lin."

Lin Xi said: "It's the best. I'm afraid that I can't paint or engrave, and say I'm taking money for nothing!"

Li Tangdao: "What are you talking about! Observation is a person who does things, and you can tell who has put in effort at a glance!"

Lin Xi's father said: "What kind of plate are you talking about? I heard that the two of you will contribute the most to this matter. My daughter only does some chores, and at least earns a few pennies. From what you say, she also contributes a lot. "

Li Tang shook his head again and again: "Miss Lin has done a lot of credit. After we painted, how to spread it on the board, what to add, how to write the amount of money, so that people can understand it at a glance are all university questions. And there is no The few characters are all written by Mrs. Lin. Although we paint, our characters are not as good as hers."

Several people were talking about what they did recently, and Lin Xi's father was very curious.According to what they said, Wang Xiaolie's club is for daily use, it's different from others.How do you usually use the club?Strange.

When the sun set to the west, Lin Xi, father and daughter had enough food and drink, and went back to their rooms to rest.

In the yamen, Wang Xiaolie, Chen Yuyi and Yang Shen were sitting together, discussing the next issue.

Chen Yuyi said: "The gold army goods paid by the Jingmen army last time are all worth more than six million guan. However, there are only more than 120 guan of gold and silver, and more than [-] million guan of pearls and treasures. The rest are mostly cloth, calligraphy and painting, etc. class. If we want to use all of these as the basis, I’m afraid there are not many.”

Wang Xiaolie sighed: "There is a shortage of money everywhere in the world, otherwise why do we need to print some meetings? The capital of the meeting is preferably gold, silver and copper coins. There is not much cash, and many things are difficult to handle. Let's do it. Copper plates need to be made. It’s still half a month away. In these days, how about trying to exchange cloth and other things into cash? If you get four pennies for one penny, you’ll have a lot of money.”

Chen Yuyi shook his head: "How much cash can Xiangyang Dengzhou have? Try your best to exchange, but you can't exchange much. The best way is to sell according to the technical equipment and let the local merchants pay for it."

Wang Xiaolie shook his head: "No matter how short of money you are, you can't be assigned. This is our yamen's confidant. You can't buy a yamen's confidant. I heard that in Ezhou, Jingmen and other places, after the war, The prices are so high, can you sell them in those places?"

Hearing this, Chen Yuyi couldn't help but smile wryly: "Observe, when is it now? Slowly speaking, it's not easy to exchange for cash, but if you can, how can you transport it back to Xiangyang? After the war, the transportation is inconvenient. This is not an easy task."

Wang Xiaolie was silent.Sitting there thinking for a while, he said: "Including the cash we robbed from Jin Jun, we have more than 200 million coins. Adding the gold, silver and copper coins we saved, we have a total of more than 300 million coins. Press here to issue There can be more than 1000 million guan. With so much money, many things can be done. If it is done better and better in the future, the amount is not small."

Chen Yuyi said: "The lower officials don't know if the method of observation is feasible. The imperial government has always issued meetings to make up for the lack of funds, and the people are naturally complaining. Although we have different methods, we don't know what the people think."

Wang Xiaolie said: "In fact, there are three most important things in publishing the meeting. One is how to print it out, the other is how to get it into the hands of the people, and the third is how to get it back from the hands of hundreds of people. After these three things are done well, Naturally, the advantages outweigh the disadvantages.”

Hearing this, Chen Yuyi couldn't help shaking his head: "It's so troublesome! Everywhere is printed by the government and bought private goods. When the time comes, issue a new club and exchange the old one. It's actually very simple to exchange the old with the new. "

Wang Xiaolie shook his head: "Issuing clubs like this, the amount is the amount of money that the yamen has less. Whether the people want me to have so much money, whether it is less or more, I don't know at all. Replace the old club with the new club, There is a bigger problem. Originally, the purpose of issuing meetings is to make up for the shortage of funds, so every time the new meetings must be much more than the old ones. It will not take long for the depreciation to be severe."

Yang Shendao: "Since the reign of Tiansheng, Sichuan and Sichuan have printed Jiaozi, Jiaozi, Huizi, and Qian Yinxing for many years. There are indeed many problems. When Cai Jing was in power, he had no capital. He printed more Jiaozi, and Zhitong Jiaozi was worth a hundred dollars. Rich."

After many fairy operations by Emperor Daojun, in the Southern Song Dynasty, the theory of banknotes in the Song Dynasty was basically mature, which is called the technique of lifting.Issuing banknotes requires capital, and if the purchasing power of banknotes in the market is low, then use the capital to buy banknotes to keep the currency value stable.Of course, this is a theory. Most of the Southern Song Dynasty did not follow this practice, and the devaluation of banknotes was very severe.

With past life memories, Wang Xiaolie certainly despises this primitive method.He printed the book and tried his best to join the theory of later generations.

To maintain currency stability, first, there must be capital for issuance, second, it must not be issued indiscriminately, and third, it must be compatible with economic development.At this time, the most important thing is to have capital and not to spam.When the economy develops, the most important thing is to adapt to the economic development and not spam.

Wang Xiaolie said: "I want to set up an official to take care of the printing of Huizi. How much to print is determined by the Yamen, just print well. Then set up two or three banks to receive the printed money. Bank deposits can also be borrowed from the bank. Banks make money by the interest rate difference between deposits and loans. The money used by each government office is based on the money deposited in the bank by the government office. The bank itself neither prints money nor cares about the government office. How much."

Chen Yuyi was stunned for a moment.After thinking there for a long time, I still don't know what Wang Xiaolie meant.

Yang Shen said: "The meaning of observation, is the Yamen going to open a quality warehouse?"

Wang Xiaolie shook his head: "It's not a warehouse. The warehouse also allows other people to treat it as something, but the bank doesn't do it. The bank just lets the people save money and lend money to the people. The interest difference between saving money and lending money is what they earn. money."

Yang Shen shook his head, looked at Chen Yuyi, wondering what Wang Xiaolie meant.

(End of this chapter)