The First Young Master of the Tang Dynasty

Chapter 1560 What is a bank
Whether it is a foreign businessman or a local businessman in Datang, when traveling between various places, to do business, they have to carry a large amount of copper coins, gold and silver. It is very inconvenient to transport on the road, and it is also troublesome when the transaction is counted. But if there are banks and money tickets all over the country in Datang, it will be very convenient. When a businessman goes out, he only needs to bring the money tickets issued by the bank. It is convenient and trouble-free, saving a lot of money on the road Hassle of shipping, but also very good storage.

Banks and Qianpiao have many benefits, but if they want to draw up a charter now, they still have to hand it over to the Ministry of Households to do it. In this way, it will take a while.

Originally, His Majesty Li Er was already full of ambitions and wanted to carry out the coin reform of the Tang Dynasty. Now Xuan Shijing proposed the method of money bank and money ticket. The reforms will be carried out together, and when the time comes, it will give the common people more peace of mind. The existence of the official bank of the Tang Dynasty is a reassurance for the common people. There is no need to worry about the imperial court making mistakes in the coin reform and harming them. .

Qianzhuang is a guarantee for this matter.

His Majesty Li Er paced back and forth in the Xuanzheng Hall, thinking carefully about the bank issue raised by Xuan Shijing.

Obviously, if the money bank exists, people will store a lot of money in the bank for convenience. In this way, some people's money will not have to be put in the warehouse to get copper rust, and there is no need to bury it deep. It is underground and stored in the bank, which can be uniformly dispatched by the imperial court. Good coins will drive out bad coins, and some coins that have become so inferior that they can no longer be circulated among the people can also be selected and returned to the furnace for recasting as soon as possible.

"The thing about the bank and the bills you mentioned sounds really good, but this thing has never existed before, and what you said is just a rough prototype. In this way, after you go back today, you will take what you thought of Write it down in detail and send it to me, and I will let the people in the Ministry of Accounting look at it, discuss it carefully, and then the Ministry of Accounting will draw up." His Majesty Li Er said.

"Yes." Xuan Shijing cupped his hands in response.

Qianzhuang did not appear before the Tang Dynasty. Of course, Xuan Shijing did not know when this thing appeared, but in the most prosperous period, Xuan Shijing knew that it was a bank run by Shanxi merchants.

When I went to Shanxi to play, I visited those old ticket numbers, which were initiated by Shanxi merchants. It is also called "Shanxi Bank" or "West Bank".In Shanxi, the three gangs of Pingyao, Taigu, and Qixian are the most powerful.

And Xuan Shijing went to Pingyao back then.

Recalling the ticket numbers I visited in the ancient city of Pingyao at that time, the explanations I heard, and then adding some of my own opinions, it is still possible to write something together. Of course, what Xuan Shijing wrote is not the final version. , because he is not an expert after all, after writing it and sending it to His Majesty Li Er, the people from the household department still need to check the purpose, and then the people from the household department will make changes, delete and delete, and finally come out. It is the most suitable bank plan for Datang.

After all, the Tang Dynasty now wants the imperial court to take the lead in doing this. That is to say, all the banks are imperial court backgrounded and controlled by the imperial court, and their status is equivalent to that of the Bank of China in that era.

The nature of doing it led by the imperial court is naturally different from that of later generations of Shanxi merchants doing it privately.

But when it comes to those Shanxi merchants in later generations, they run bank accounts and are more disciplined than the imperial court. When the imperial court saw this, they could only take a tough attitude. In the end, the bank accounts of Shanxi merchants went into decline.

In the final analysis, the imperial court couldn't compete with others, and played tricks. The Qing court set up a household bank to run on others. Coupled with the chaotic world at that time, it was inevitable that Shanxi merchants' ticket numbers could not continue to survive.

However, the environment in the current Tang Dynasty is quite different from that of Shanxi Merchants, so the officials in the Tang Dynasty want to promote the bank. In many aspects, after Xuan Shijing put forward a draft, the Ministry of Household Affairs needs to continue to refine it.

To put it bluntly, Xuan Shijing is just an idea, and those delicate tasks need special personnel to do them. The affairs of money, food and people's livelihood in this world are the affairs of the Ministry of Households.

It is predictable that, whether it is the remaining months of this year or the beginning of spring next year, the officials of the household department will be very busy.

His Majesty Li Er called Xuan Shijing into the Xuanzheng Palace just to let Xuan Shijing see the regulations drawn up by the Ministry of Accounts. After all, this matter was first proposed by Xuan Shijing. After thinking about it, His Majesty Li Er asked the Ministry of Accounts According to the current situation of the Tang Dynasty, the officials of the household department felt that this matter was feasible, so they started to carry out this matter. Although the national treasury was empty at that time, His Majesty Li Er said that this matter can be drafted first. As for the state treasury , You can think of a way. When the national treasury is sufficient, the regulations must be prepared in advance, and then implemented immediately. It took more than half a year for the officials of the Ministry of Finance to draw up the regulations.

Now, after Xuan Shijing had seen the regulations drafted by the Ministry of Household Affairs, he proposed something new, which also suppressed His Majesty Li Er's desire to start implementing currency reform.

Indeed, if the bank and coins are implemented together, the effect will be better.

Therefore, we can only wait a little longer.

His Majesty Li Er asked Xuan Shijing to go back and write down the details of the bank and the money ticket in detail, so that they could be sent to the palace as soon as possible. As for the regulations of the household department, they can only be placed on His Majesty Li Er first. The desk is on.

After Xuan Shijing left, His Majesty Li Er remembered that there should be another memorial from the Ministry of Household Affairs, but His Majesty Li Er did not see it.

"Deyi, go to the East Palace and bring back all the papers from the Ministry of Households. I want to see it myself." His Majesty Li Er said: "Also, tell Cheng Qian that he will continue to approve the papers. , I focus on the affairs of the household department."

"No." Deyi responded.

The head moved his mouth, and the head broke his legs. The memorial was just delivered in the morning, and now he is going to the East Palace to bring back some of the memorial. Although he was struggling, but His Majesty said that Deyi had to go to the study of Li Chengqian in the East Palace in person. Take a walk.

Regarding the memorial of the Ministry of Household Affairs, His Majesty Li Er was indeed negligent and did not let Deyi single out it, but sent all of them to the East Palace.

When Deyi arrived at the East Palace, he met Li Chengqian, and after explaining his intentions, Li Chengqian ordered his servants to pick out all the papers sent by the household department and hand them over to Deyi.

(End of this chapter)