Aspiring to the Ten Kingdoms

Luo Youdu originally wanted to take a vacation for himself, and then deal with the government affairs after the Shangyuan Festival.

But with something in mind, I couldn't help but deal with it first.

This habit is the same as that of later generations. I have said many times that I want to take a break and go out to play, but in the end I will cancel all activities because of work.

Luo Youdu couldn't wait to invite Dou Yi, Zhao Pu and Lu Duoxun.

Among the five phases, Pan Mei does not participate in government affairs, and Xue Ju is a good old man who is used to maintain the stability of the temple.

Dou Yi, Zhao Pu, and Lu Duoxun are the prime ministers who really have actual power in the Dayu court. Major affairs of the country are basically discussed by them, and then Luo Youdu makes the final decision, and the others are more responsible for execution.

Luo Youdu looked at some details about the banknotes he had sorted out last night, to see if there was anything else he could add.

Although they were on vacation at this time, Zhao Pu and Lu Duoxun rushed to the Hall of Rende as soon as possible.

Judging from the speed, the two of them didn't take a vacation at all, but waited in the council hall, waiting for their summoning.

Luo Youdu smiled knowingly, these two guys are now very introverted, and they have to compare everything, even hard work.

For the two prime ministers, the one who celebrates Chinese New Year still works overtime in the office. If it weren't for the financial constraints, and the salary in this era is once a year, he has the heart to give them double salary.

Although Luo Youdu knew what the two of them were thinking, he still opened up the topic and gave them a chance to express themselves: "You two came here so fast? Didn't you come from home?"

Zhao Pu made a bow and said: "The humble minister is dull, often joked about by others, only mediocre in learning, and only knows that his ability is limited. But being so highly valued by His Majesty, he dare not live up to his high expectations, let alone slack off in the slightest. He only thinks of the stupid bird flying first, so as to repay His Majesty's kindness. .”

Luo Youdu secretly said in his heart: "If you are stupid, how can there be smart people in this world?"

How Zhao Pu replaced Song Qi quietly and became the largest party in the temple, he, the emperor, knows it all.

He also heard Zhao Pu's explanation, and put a pair of eye drops on Lu Duoxun.

Half of Zhao Pu's The Analects of Confucius ruled the world, and his education level was low, which is well known by everyone.

As a Jinshi of the Later Zhou Dynasty, Lu Duoxun expressed his contempt and dissatisfaction with Zhao Pu more than once.

Luo Youdu cast a glance at Lu Duoxun.

Lu Doxun had an expression that had nothing to do with me.

He was a little lower than Zhao Pu, and he did not rush to speak before him, but he did not want to be outdone when he spoke: "Your Majesty is still alive, Yao and Shun. At this age, his achievements are no less than those of the Ming emperors and sages. I know that your Majesty is worried about state affairs. People in the world have rested. I won't rest either. If Your Majesty doesn't rest, how would you dare to rest?"

Luo Youdu nodded with a smile and said: "I have received Aiqing's wishes. Please sit down and have tea and wait. When Mr. Dou arrives, we will discuss together."

He ignored the two of them as he spoke, and looked at the information in his hand by himself.

Dou Yi is also a workaholic, but he is not like Zhao Pu and Lu Duoxun who are still in the conference hall when they have nothing to do. He comes later and his face is a little rosy.

"I have seen Your Majesty!"

Dou Yi bowed reverently.

Compared with Zhao Pu and Lu Duoxun, who are capable of doing things and making troubles, Luo Youdu has complete trust in Dou Yi, and the same is true for Dou Yi.

They have known each other for many years, even though Dou Yi already knew Luo Youdu's character, but when he entered the palace today, hearing the guards say that he was allowed to enter the palace on horseback, he couldn't help but feel a sense of warmth.

It was only the second day that Luo Youdu stayed in Luoyang Palace, and the order had already been conveyed, so it can be seen that the emperor in front of him really cared about him.

It's the details that tell the truth.

Luo Youdu motioned Dou Yi to take a seat, and then talked about the issue of banknotes: "Tongbao copper coins are only suitable for small-scale transactions. Once the amount is up, the coins will become a burden, which will greatly affect trade. In view of this, the former Flying money has been issued, and I will thoroughly promote it."

The so-called flying money is a way of exchanging coins that is convenient for merchants to trade.

With the development of the times, business has become more and more important to the court.In ancient times, the society that favored merchants, in the Tang Dynasty, it had begun to open the back door for merchants to do convenience, and Feiqian was born because of this.

The so-called flying money literally means to withdraw money by paper coupons without transportation, and the money flies without wings.

To put it bluntly, it is a voucher, similar to a check.Merchants in Bianjing can hand over the trade capital to Jinzuo Yuan, and Jinzuo Yuan will develop the certificate.Then the businessman took the voucher and went to Chengdu, Quanzhou, and even Guangzhou to receive the equivalent amount of currency, saving him from the pain of carrying hundreds of catties of coins along the way.

In order to facilitate the special handling of replacement, Luo Youdu also specially set up an exchange department in Jinzuo Yuan, and the currency exchange only charges very small interest, so as to promote and stimulate long-distance business exchanges.

But strictly speaking, Feiqian is only a kind of exchange business. It does not intervene in circulation and cannot perform the function of currency.

Luo Youdu increased his voice: "But I think it is far from enough to rely on flying money. It is best to issue banknotes directly. The imperial court opened money houses in all major states in the world, and merchants and people exchanged coins for the same banknotes, and used banknotes to replace large-scale coins. In this way, no matter merchants or ordinary people, they don’t need to carry a lot of coins to buy bulk goods, they only need to carry a few banknotes. If it can be promoted and issued, there will be many benefits..."

He will explain in detail the benefits of opening banks and issuing banknotes.

What facilitates the circulation of commodities and can promote the development of people's livelihood.The coins in the hands of merchants and ordinary people can be properly recovered, used for national use, and even the imperial court regulates interest, etc...

Luo Youdu's descendants are businessmen, and he knows all the tricks in business, so he selectively picks some that are easy to accept.

It's a long story, and it's a bit dry.

Luo Youdu picked up the tea on the table, drank it in one gulp, took a breath, and said, "Is there anything else you don't understand?"

He seems to have returned to the meeting of later generations and found a little bit of state.

Dou Yi, Zhao Pu, and Lu Dorson were all first-class heroes at the time. They listened carefully and tried their best to digest everything.

None of the three answered immediately, but each was thinking about something.

After a long while, Dou Yi collected her thoughts and said: "I generally understand what your majesty means. Your majesty's idea of ​​promoting banknotes is indeed unique, and each has its own mystery. However, I have a few questions in my mind, but I don't know how to solve them. "

Luo Youdu smiled and said, "It's like saying it straight."

Dou Yi said: "Banknotes and banknotes are naturally made of paper. No matter how strong the paper is, it will be worn out after many changes of hands and poor maintenance. At that time, the handwriting will inevitably be worn out or even cracked. What should we do? There are countless strange people in this world, and my Dayu Yongjing Tongbao is excellent in workmanship, and there are still some people who imitate it. It is impossible for the country's sages to draw one by one for a large number of banknotes. Printing must be used. The printed objects are extremely easy to imitate. What if after the banknotes are issued, counterfeiting is rampant, and everyone exchanges fake banknotes for Zhentongbao?"

"Also, has your Majesty ever thought that this banknote is just a piece of paper, and the denomination it can represent is directly linked to the credibility of the imperial court. But if something goes wrong, it will directly affect the credibility of the imperial court and cause market turmoil , the common people no longer trust the imperial court, and will regress to the bad situation of bartering. At that point, how will it end?"

Dou Yi asked three times in a row, and Luo Youdu who asked was amazed again and again.

Perhaps due to the limitations of the times, the ancients were constrained by common sense in many things, appearing short-sighted or even ignorant, but if you really think they are stupid, then you underestimate the predecessors.

It was the first time Dou Yi heard about banknotes, but from Luo Youdu's narration, she immediately saw the huge shortcomings of banknotes.

This strategy is truly astonishing.

Everything is exactly as Dou Yi said.

Regarding the development of coins, Luo Youdu, who was a businessman in later generations, knew one or two of them.

The earliest record of paper money in the true sense in history was issued by wealthy private merchants in Shu. Sixteen large-scale firms united to issue paper money in order to facilitate trade.However, due to the loss of morality of individual merchants and the lack of financial resources of individual merchants, the banknotes lost their due credibility.

But this move also proposed a feasible method for the Northern Song Dynasty court, and then the world's earliest banknote Jiaozi came out.

The appearance of Jiaozi quickly became popular all over the world, but it also caused various problems immediately.

In the feudal era, the imperial court could not effectively control the circulation of banknotes. Whenever there was a need for huge financial expenditures, the imperial court could not restrain its own behavior. It used its power, abused its credibility, and issued banknotes without restriction, making Jiaozi a wealth collector. As a tool, it causes inflation, which makes paper money lose its credit, loses its circulation function, and becomes waste paper.

Dou Yi's three questions, word by word, are like a prophet.

But Luo Youdu couldn't solve it very well. He didn't hide anything, but said truthfully: "As the saying goes, I can't completely solve this inevitable problem, but I think that issuing banknotes will benefit the country and it is worth a try." try."

The harm of issuing banknotes is obvious, even unavoidable, but the convenience is also visible to the naked eye.

In history, Song Jiaozi, Mingbao banknotes, and Republic of China banknotes all ended up making people miserable.

But there is a question, why is this banknote still popular in the world with so many lessons learned?

Are the officials of all dynasties stupid?Can't understand the danger in the middle?
Obviously not!

In fact, with the progress of the times and the development of the economy, heavy coins can no longer meet the needs of the economy, and the emergence of banknotes is an inevitable result.

As the supreme helm of the Dayu Dynasty, Luo Youdu obviously felt that the imperial economy was gradually reaching a bottleneck.

The inconvenience of currency payment has greatly affected the economic development.

Especially long-distance trade...

For example, tea leaves from the south of the Yangtze River, and horse leather medicinal materials from the south and north of the desert.

Grassland people do not enjoy tea, and Jiangnan Shaoma lacks high-quality leather, which could have formed a complementary business path.However, merchants in the south of the Yangtze River would rather sell the tea nearby at a lower price than to the north. The same goes for the horse leather medicinal materials in Mobei and Monan.

The distance is too far, the coin transaction is too troublesome, and the risk exceeds the value, which directly affects the circulation of commodities and economic development.