Peek at my diary, Cao Cao dominates the Three Kingdoms

Chapter 424 A Little Inspiration From Currency

Unknowingly, one afternoon passed like this.

After nearly two hours of fierce fighting, Liu Xie left contentedly.Together with mahjong, he left with the money he won after killing all directions.
Although the money bag is deflated and mahjong is gone, at least Liu Xie is happy.

"Alright, something to do, at least it's better than thinking about it every day."

After Guo Jia finished speaking, he stretched out his hand to Lu Yan with a smile and said, "Changsheng, my pocket money has basically been won by the emperor, you have to take responsibility."

Lu Yan stared sideways at Guo Jia and said, "I've almost lost too."

Jia Xu carried her purse upside down, shook it for a long time before shaking off a piece of copper, sighed and said:
"Lu Hussar, your general will make a lot of money every day as a prisoner, so why bother with us for such a small amount of money?

Will you reimburse me some of the money I lost? "

Good guy, everyone is the one being slaughtered, why do they all have to pay the bill in the end?
Lu Yan suddenly became angry, and snorted: "I am also a victim, okay? Although the prisoner earns a lot, it also costs a lot. Do you think that the money to maintain the [-] cavalry and heavy armored infantry is from Where did it come from?"

"I don't care, my money for drinking and listening to music is gone, you have to be responsible!" Guo Jia began to play a rogue.

Jia Xu thought she couldn't get rid of this old face, but she still looked at Lu Yan eagerly, her small eyes flickering
Lu Yan put his hand on his forehead, and thought to himself, what kind of friends are these friends?
However, Lu Yan does have a lot of spare money, after all, he has a share of some business in the workshop.

Besides, Lu Yan didn't need much money on weekdays, so he finally shouted to Chen Dao: "Uncle Zhi, go to the warehouse to withdraw some money and give it to these two poor ghosts."

The huge Hussar General's Mansion doesn't even have a professional butler.
In the past, it was either Xia Houlan or Huang Zhong who played the role of housekeeper.

Now that the two of them are training in the army, Lu Yan waved his hand and put the butler's hat on the head of the newcomer Chen Dao, calling it "Experience".

Chen Dao was naturally not aware of the "evil intentions" of a capitalist like Lu Yan, and thought that Lu Yan trusted him and entrusted him with all the family affairs.For this reason, Chen Dao was secretly moved for several days.

"Here!" After hearing Lu Yan's order, Chen Dao responded, and hurriedly ran towards the warehouse in the backyard.

Not long after, Chen Dao ran over with two strings of copper coins.

Copper coins are too bulky. Except for the daily expenses, the dividends that Lu Yan received from the workshop are converted into gold and silver, and then kept at home.

After Guo Jia took the copper coins, his purse finally bulged again.

Patting his bulging pocket, Guo Jia showed a bright smile and said, "I knew Changsheng that you are the most righteous!"

Lu Yan looked at a large pile of copper coins, and thought about its many inconveniences, and an immature thought suddenly popped up in his heart.

To be honest, it is really inconvenient to carry copper coins.

But the circulation of silver as currency is too poor.

Under normal circumstances, silver is used for storage. After all, silver is not easy to oxidize and rust, and it will not be lost after long-term storage.

Guo Jia's words interrupted Lu Yan's thinking,
Lu Yan glared at the skinny-faced Guo Jia angrily, and said, "Let's go and play!"

"Fine!" Guo Jia pressed his waist, then winked at Jia Xu, and the two sneaked out of the Hussar General's mansion.

Lu Yan didn't care whether the two of them were going to drink or listen to music. Two words kept circling in his mind and couldn't get rid of them, "Paper money! Bank!"

"I remember that ancient banknotes first appeared in Sichuan in the Northern Song Dynasty, and they seemed to be called 'Jiaozi'?"

The emergence of banknotes is of great significance to history.

Although the people in the Eastern Han Dynasty also used gold and silver transactions, it was a very rare situation, and the main currency in circulation was copper coins.

Compared with ordinary copper coins, paper money is undoubtedly much lighter, and it is not dared to be used for private transactions or trade transactions. Its portability is undoubtedly much more convenient than copper coins.

But after thinking about it for a while, Lu Yan felt a terrible headache, because the copper coins, that is, the five baht coins were very confusing at this time.

Some courageous people minted copper coins privately in order to make huge profits, but the quality of these coins was far inferior to the officially minted copper coins.

If things go on like this, the market will be flooded with poor-quality copper coins, which will result in the value of consistent money, whose real value is only about [-]% or even [-]% of good coins.

"The water here is a bit deep!"

"But if the monetary system can be established, it will benefit both people's livelihood and economic development in the future."

Therefore, Lu Yan's heart was hardened, and he planned to study it by himself first.

Lu Yan is a modern person. Even if he has never been engaged in finance, banks are a hurdle that no one in the future can avoid. Lu Yan has some understanding.

The first and most important point is: the issuance of banknotes must have corresponding reserves, so that banknotes can be exchanged for corresponding reserves at any time to realize their own value.Otherwise, the banknote is just a piece of waste paper, useless.

"Reserves" are not limited to gold in later generations. A certain bear anchors its own currency with natural gas and oil, and finally has a stable value.

But where to engage in oil and gas in this era, the best reserve is of course silver.

Gold is not impossible, but the amount of gold is still not enough, and the value is too high, and silver is relatively more suitable.

After Guo Jia and Jia Xu left, Lu Yan locked himself in his study, buried himself in writing and drawing, and squeezed out his poor financial knowledge.

During the period, when Chen came to add water to Lu Yan, he saw that the dinner next to Lu Yan hadn't touched a mouthful, and was still writing vigorously without raising his head.

Seeing this, Chen Dao silently took away the already cold dinner, and at the same time said in his heart: "A man like Lu Hussar is still studying day and night. Admiration! Ashamed!"

After returning to his room, Chen Dao couldn't help picking up the Liutao that Lu Yan gave him, gritted his teeth and said:
"Lu Hushi is studying hard, why should I not work hard? Read! If you can't read it to death, read it to your death!"

Lu Yan worked hard for nearly three hours before he finally figured out a general idea of ​​his thoughts.But these are just a big framework, and many details need to be filled in.Just like the research and development of new things in the workshop, after having a general idea and framework, other people will naturally help to complete the filling.Lu Yan planned to hand over these details to other people.
"Huh~~!" After taking a long bite, Lu Yan finally put down his pen.

"Ah, how long has it been since I felt dizzy?" Lu Yan rubbed his dizzy head, and said to himself, "Sure enough, this kind of thing is still very exhausting, and I really regret giving Lao Cao the Jade of Concentration. .”

Standing up, Lu Yan walked back and forth in the study to move his body.

Feeling hungry, Lu Yan opened the door, only to realize that it was already dark.

"It's so late?" Lu Yan was surprised, and then shouted: "Uncle Zhi, why didn't you prepare dinner for me?"

(End of this chapter)