Han Hai Tang Ergui

Chapter 286 Temple Finance Industry

What did Zhang Zhao take out?Of course it is a silver ticket.

The silver bills in history had to wait until the middle of the Northern Song Dynasty. Sichuan suffered from iron money, so it invented Jiaozi similar to it.

Using complex patterns and specially agreed code words to carry out large transactions, this is also the earliest banknote in the world.

"What does Khan mean, that he wants to use this thing for [-] coins? This is just a piece of drawing paper the size of two palms. Who would agree?"

Even Cao Wantong, who was going to be Zhang Zhao's minion, was a little uneasy. It is the usual method of Sogdian businessmen to rely on power to carry out commercial activities.

But when it comes to money, they are a business nation where father and son count on profits, and they are still very sensitive to this.

Moreover, Zhang Zhao heard Cao Wantongxi's voiceover, because before the birth of Jiaozi in the Northern Song Dynasty, Feiqian already existed in the Tang Dynasty.

It's just that the purpose of flying money is still very single. It can't be used directly as a bank note, but a kind of remittance ticket, which plays a role similar to a bank draft.

Cao Wantong asked Zhang Zhao directly who would agree?This is also true.

Feiqian was popular in the Tang Dynasty, and it was guaranteed by the government's credit. After the Tang Dynasty declined and the various separatist forces in the Central Plains had no bottom line, Feiqian actually could not be circulated.

To put it bluntly, whether you are flying money, handing over a child or a money order, it is essentially a kind of credit.

And this kind of credit comes from two aspects, the guarantee of political power (force) and the guarantee of exchange capacity.

"I admit it! This piece of drawing paper is divided into two, and one half is stored somewhere. The two patterns are exactly the same, with certain code words. As long as they match, I will admit it!"

Zhang Zhao said calmly, because he also understood the true meaning of Cao Wantong's words, and waved at Guo Tiance after speaking.

"Cao Dutou may want to ask what kind of identification, Guo Canjun, bring my treasure here for everyone to see."

Guo Tiance nodded and went out. After a while, sixty or seventy sergeants said, "Hey!hey yo! 'He carried three humanoid objects one person tall into the meditation room.

Zhang Zhao stood up with a smile, and then untied the silk covering the humanoid objects one by one.

"Buddha!" ​​Kang Jinshan screamed and knelt down.

Cao Wantong's eye wash also burst out with a golden light, and his eyeballs were almost in the shape of copper coins. Even Master Shanyuan and other eminent monks were shocked.

What Zhang Zhao had someone carry in were three humanoid statues about three feet two and three high, or about 1.5 meters.

The carving is the appearance of the main treasure under the command of the King of the Wheel. Although the workmanship is relatively rough, it is worth a lot.

Because the three main treasures are made of pure gold, the golden crown on the head and the clothes on the body are all inlaid with jade and various gemstones. Can't keep my eyes open.

"Kang Dutou, some people say that this Lord's hidden treasure is worth [-] guan, do you think it's worth it?" Zhang Zhao smiled and asked Kang Jinshan who was already sitting on the ground in fright.

"Value! Absolute value! It should be more than that!" Kang Jinshan nodded again and again. The current gold and silver coins are exchanged for six, which is about one to six.

Eighty thousand guan is 80,000 taels of silver, less than 4000 taels of gold. No matter how you look at it, this treasure statue should be so heavy, not to mention that it is inlaid with a lot of gems and jade.

"There are thirty such master treasures. With this as a guarantee, Cao Du thinks that this bank note is worth five hundred guan?"

Although Zhang Zhao's later generations have never studied finance, he still understands the simple truth of having a gold reserve and using it to issue currency.

But this trust cannot be established overnight, so Zhang Zhao turned to Monk Shanyuan.

"The presiding master has been in Anxi for a long time, and has connections with all Buddhist schools in Anxi.

Before I came here, I had acquired Shule Dayun Temple, Khotan Sumoruo Temple, Shazhou Lingyuan Temple, and Guazhou Guanshiyin Temple.

As well as the consent of Khotan Jin Kingdom, Saman Persia, Anyuan Kingdom and Zhenyuan Kingdom, they are all willing to do acceptance business for this bank note.

If there is the consent of Dayun Temple in Liangzhou, then the road from Liangzhou to Yuanguo in Tianzhu Town.

Exchanges can be made no matter in Dunhuang, Khotan, Shule, Suiye, Ningyuan, Samarkand, Bukhara, Huwen City and Zhenyuan City.

There is no longer any need for merchants to travel east and west as they do now, and they have to use half the capacity to transport gold and silver.

In this way, each merchant can bring half more goods, which will greatly increase whether it is to stabilize the price or the profit of the merchant. "

Master Shanyuan only felt that his body was more itchy, and he looked at Zhang Zhao with a headache, this Dharma King would definitely eat him!Repeatedly use big hats to suppress people.

Look at this meeting, if Dayun Temple in Liangzhou disagrees, then the label of non-cooperation will be put on his head immediately, and then this string of Buddhist temples, kings, city owners and merchants will have to hate him to death.

However, as the abbot of a temple that often lends usury, Master Shanyuan is no stranger to finance. After thinking about it for a while, he found that this business is indeed very interesting.

As long as they admit that the bank notes in Zhang Zhao's hand can be accepted, then the funds exchanged by merchants along this road will be controlled by the temples along the way.

Such a convenient banknote saves the merchants from the trouble of transporting gold and silver, and doubles their transportation capacity. The acceptance fee of adding fifty yuan for every thousand yuan is not much, right?
And if Buddhism masters this, wouldn't the spread of Buddhism on the road from Hexi to Tianzhu be faster?
However, Master Shanyuan's mind was spinning rapidly, and he couldn't agree to it too happily, otherwise this Dharma King would make trouble in the future?

And it is definitely not enough to promise acceptance in empty words, it needs to be mortgaged by goods.

So in just half a cup of tea, Master Shanyuan thought of the biggest problem with Zhang Zhao's banknote, that is how to distinguish the authenticity, he coughed and looked at Zhang Zhao.

"Dharma King's move has indeed facilitated business in various places, but the old monk also has a few points that are unclear, so I ask the Dharma King for advice."

"Master, please speak!" Zhang Zhao stretched out his hand and made a gesture of please.

"The first is how to prevent the banknotes from being faked by crazy people. A piece of drawing paper is worth five hundred guan. An ordinary person can't earn this amount in a lifetime, so someone will definitely take the risk.

Second, to say something that offends the Dharma King, the bank note was made by the Dharma King, but I have to accept it in Buddhism. What if one day I receive tens of thousands or even hundreds of thousands of guan, what should I do if I cannot accept it?What if the King of France refuses to accept it for us? "

"Master asked a good question, and this is exactly what I am going to answer Master.

How to prevent counterfeiting, master, please look at this drawing paper, there are four types of hairstyles for a certain hairstyle: fifty guan, one hundred guan, two hundred guan, and five hundred guan, each model has been drawn by someone.

There are [-] details in this painting, large and small, as long as there is one that does not match the model painting, it is fake.

At the same time, we can also agree on a number of passwords, and the person who accepts the bank note must say the correct password before accepting it.

In the end, the pictures on the bank note are all done by painters. From Anxi to Tianzhu Zhenyuan, there are very few people who are proficient in writing. There are even fewer writers who are proficient in writing and are also proficient in painting. How many people can fake it?
A certain person immediately ordered someone to register those who are proficient in Danqing everywhere, whoever dares to cheat, the whole family will be beheaded! "

As Zhang Zhao said, he slashed with his big hand, and the image of a ruthless hero rushed towards him.

Cao Wantongxi and the others nodded. It is true that as Zhang Zhao said, there are very few people who can copy this bank note. As long as these people are monitored, they will not dare to mess around.

Zhang Zhao has also fully considered this issue. If this is in later generations, not to mention copying, you don't know where a great god will come out to teach you how to be a human being.

But in the Five Dynasties period, there were very few people with this ability in remote places like Hexi and Anxi.

"As for the last question that the master is worried about, I don't plan to move these three master treasures, and I don't plan to move them. The right is a mortgage.

And the Buddhist treasures in my hands can also be sent to Dayun Temple, where eminent monks and great virtues can enshrine them on their behalf. "

Zhang Zhao had already thought about this. He brought back millions of gold and silver, and he didn't dare to put them on the market at all. He might as well use this as collateral to sell the monks of Dayun Temple and the entire Anxi and Hexi. Monks are introduced sets.

In this way, he is equivalent to using these huge amounts of gold and silver that cannot be put on the market at once as a reserve for issuing banknotes. As long as they are not issued indiscriminately, it is generally no problem to issue three to five times the value.

Five times the 6 million body, that is 30 million dollars. With such huge financial resources, Zhang Zhao is fully confident that he can swallow the Lingwu (Shuofang) Jiedushi and even Fengzhou Tiande Army's territory within three to five years.

These two fertile Hetao areas are both on the banks of the Yellow River. After Zhang Zhao captured Lanzhou, he could just go down the river to attack.

It is even possible to lock up the Dingnan army in Xia and You states, so that Zhang Zhao can swallow all the party ministries who are good at fighting, and first become a large Xixia.

Master Shanyuan made eye contact with several eminent monks of Dayun Temple, and then nodded slightly.

"This matter is of great importance, and please give the Bi Temple some time, and I will discuss it later."

Before Zhang Zhao answered, Kang Jinshan, who had been silent all this time, suddenly looked at Zhang Zhao and said, "Since Khan wants to do this bank note business, he must have the land of Hexi under his control. far away!"

Zhang Zhao looked at Kang Jinshan approvingly, as if his ability to cheer up was pretty good, and when he turned his eyes, Zhang Zhao looked at Master Shanyuan again.

"Ganzhou Uyghur Yao Geluo's family is stubborn, and Gaochang Uyghur Khanate Pugu's family has begun to fall into the arms of Buddha, but they are the only ones who are still enshrining Manichaeism, what a shame!

I have long wanted to conquest, but the military supplies are insufficient. I heard that Dayun Temple has tens of thousands of mu of good land outside Liangzhou City.
Let's think about it together, it doesn't matter if a certain rent can be paid higher, the main reason is that the warriors under his command have to eat, and they have nothing to eat, and they are going to make trouble. "

After finishing speaking, Zhang Zhaochong winked at Guo Tiance and Huixing monk Yang He.

"The weather is fine today. I heard that there is a cook from Samarkand in Kangdutou's house, who cooks good meals. Cao Dutou, how about going to Kangdutou's house to feed?"

Cao and Kang were taken aback at the same time, knowing that Zhang Zhao might have something to talk to them about, or it might be to give the pale-faced Master Shanyuan a buffer time, and the two immediately agreed.

Zhang Zhao left, but Guo Tiance and Yang He stayed. This was Zhang Zhao's arrangement. For specific discussions, he would definitely not go to discuss with monks such as Shanyuan.

If he went, if the bargaining was unsuccessful, the only thing left was to use force. It would be best to let Guo Tiance and Yang He go first.

And Zhang Zhao's request is also very simple. First of all, Dayun Temple in Liangzhou must be deeply bound with him, and they must participate in the acceptance business of the bank note from Hexi to Hezhong.

In principle, they can also use silver notes to exchange for gold and silver at Zhang Zhao, but when they can exchange them and when they cannot exchange them, there must be a regulation.

The second is to hand over at least half of the properties of Liangzhou temples headed by Dayun Temple. Of course, Zhang Zhao doesn't want to fall out with them now.

Therefore, Zhang Zhao decided that, in addition to the gold and silver in his hands that could not exceed 500,000 guan in each temple, all the Buddhist treasures he brought from Tianzhu could also be mortgaged in their hands.

Moreover, Zhang Zhao does not want these properties from them, but a real lease, and the rent is paid, but the right to use must be in Zhang Zhao's hands.

He wants to use the method of losing money to control the land first. When he has the conditions to turn against these bald men, he will confiscate it directly. If he wants to avoid being confiscated, he will pay taxes as usual.

As for how long to compromise?Zhang Zhao felt that at least he could unify Hexi and win Lingzhou, Xiazhou, and Fengzhou before he could do so.

(End of this chapter)