Doctor of the Great Song Dynasty: In the beginning, Li Qingzhao and Li Qingzhao made a private decis

"Royal Bank of the Song Dynasty."

When the majestic signboard was erected on Yujie, the whole city of Kaifeng was agitated.

Nothing else, just because the Royal Bank of the Song Dynasty was the first shop with the royal name in the Song Dynasty. In this era, the majesty of the royal family was inviolable, and coupled with the legends of the golden words of the emperors in the past dynasties, the people suddenly became dissatisfied with the so-called The Royal Bank of the Song Dynasty was a little more in awe.

"What is a bank?" Some people asked doubtfully. After all, this is the first time a bank has appeared in the world, and people have never heard of it.

"This is not simple, the bank is the guild of money." A businessman said with a solemn expression.

"A guild of silver." All the people in Kaifeng were speechless.

In the Song Dynasty, all those who could be called guilds were large-scale commercial institutions. As soon as the word "bank" came out, its majestic momentum immediately hit the face.

What's more, this bank bears the name of a royal family, which makes everyone even more intimidated.

Immediately, news came that the person in charge of the Royal Bank of the Song Dynasty was the evil doctor Fan Zheng, who was in charge of the business of casting money, flying money, and young crops money in the Song Dynasty, and was also responsible for the issuance of national debt!
"The officials have ordered that as long as the Song Dynasty royal family is still alive, every bill of the Royal Bank will be paid."

"In Kaifeng City, the doctors will transfer all national debt business to the Royal Bank of the Song Dynasty!"

........................

As the news comes one by one, the interest in Da Song Royal Bank is getting higher and higher.

The Royal Bank of the Song Dynasty is headed by Fan Zheng, a successful forensic scientist, and has the guarantee of royal credibility. After annexing the three treasure troves of the imperial court, it can be said that it has gathered the strongest credibility in the world. If it can still default on its debts, then I am afraid there will be nothing in the world. It can be believed.

At this moment, the people of Kaifeng no longer had any worries and went to the Royal Bank of the Song Dynasty to buy treasury bonds.

At the same time, with the integration of the powerful power of the imperial court, royal banks in major cities of the Song Dynasty such as Luoyang in Xijing and Yingtianfu in Nanjing sprung up like bamboo shoots after a rain.

Thanks to the joint credibility of the royal family and doctors, the Royal Bank was quickly trusted by the people of the Song Dynasty. In just one month, 1000 million national bonds had been sold out.

"Report to the official family! The humble minister has fulfilled his mission! The 1000 million treasury bonds have been sold out."

After Fan Zheng escorted tens of millions of dollars of wealth to the Ministry of Household Affairs, he personally came to the Political Hall to report to Zhao Xu.

All the officials in the court looked at Fan Zheng with confusion. Although Fan Zheng acted in evil ways and caught people off guard, his evil ways were still invincible. The things that the officials in the court were helpless to do were solved easily in Fan Zheng's hands.

"Okay! Fan Aiqing is really efficient in doing things."

Zhao Xu Longyan was very happy. With these tens of millions of national debts, it was enough to greatly ease the stretched finances of the Song Dynasty, and he could do more things.

"I would like to report to the officials that everyone is praising the national debt, and it has been sold out in just one month. I think it is appropriate to issue some more national debt." Cai Jing saw the opportunity and spoke again.

Cai Jing's words immediately made Zhao Xu's heart beat. Although the Song Dynasty Chaotang issued 1000 million treasury bonds, it needed to repay last year's treasury bonds plus interest, and there were not many that could be controlled by the court.

Since there is support from the public, the court can issue some more national bonds, which is enough to allow the court to do more things.

"I object!" Fan Zheng immediately objected.

Cai Jing frowned and said: "Why did Fan Taicheng say this? Didn't you say that as long as the court can repay the money, even if it borrows tens of millions more, it will be fine. Now the Royal Bank is in charge of Zhuqianjian, Feiqian, Qingmiao money, Qingmiao money alone." The principal amount of money is 500 million guan, not to mention the two cornucopias of Zhuqianjian and Feiqian. Not to mention the discovery of 1000 million guan treasury bonds, there is no problem in issuing 500 million guan, or even 2000 million guan. .”

All the officials in the court couldn't help but nodded slightly. The Royal Bank's financial resources were extremely strong, and there was no problem in issuing more national debt as appropriate.

Zhang Dun was the first to nod and said: "I agree. As far as I know, many businessmen in the private sector buy treasury bonds and even use them for bulk goods transactions. It can be seen that there is a lot of demand for treasury bonds among the people. There is no problem in issuing more."

All the officials in the Manchu Dynasty couldn't help but tremble slightly. Today's national debt is even more popular than the Guanjiaozi of the past. If used properly, it can even replace Guanjiaozi and become a brand-new paper currency.

"Paper money?"

Fan Zheng couldn't help but twitch the corner of his mouth. He didn't expect that the imperial court had not given up on the idea of ​​paper money and was preparing to replace government bonds with government bonds.

Fan Zheng shook his head and said: "I'd like to inform the officials that the Song Dynasty lacked copper coins. Iron coins were used in Sichuan and Shu, and transportation was inconvenient. This gave birth to Jiaozi. However, it was precisely because of this innate deficiency that Jiaozi could not be promoted in the Song Dynasty. , Jiaozi is destined to decline."

Although the emergence of paper money was a general trend in the minting industry, its appearance in the Song Dynasty was an abnormal product.

Zhao Xu's expression changed. The appearance of Jiaozi was a very special situation in Sichuan and Sichuan. The failure of Jiaozi was due to Jiaozi's innate shortcomings on the one hand, and the greed of human nature on the other. Of course, this also included the businessmen who issued Jiaozi. , including the government.

"However, this matter is not without a solution. I have a party that can not only solve the problem of copper shortage in the Song Dynasty, but also satisfy the people's large-scale transactions." Fan Zhengxin said.

"Fan Aiqing, please tell me!" Zhao Xu said happily.

"Make new coins!" Fan Zheng said solemnly.

"Creating new coins? Then we still need to use copper! How to alleviate the copper shortage in the Song Dynasty." Cai Jing sneered.

Fan Zheng shook his head and said, "What Fan is talking about is not copper coins, but silver coins!"

"silver?"

All the officials couldn't help but be in an uproar and looked at Fan Zheng in confusion.

Fan Zheng nodded and said: "That's right! The currency of the Song Dynasty has always been based on copper, with gold and silver as an auxiliary. But now that the Royal Bank has been established in the imperial court, it is natural that silver should be the main currency. I propose that the court use silver as the standard. Lord, the Coin Coin Supervisor changed the copper coins into silver coins."

"Copper standard!"

"Silver standard!" Although these financial terms appeared in the Song Dynasty court for the first time, the people in the court were all Song Dynasty elites, especially the New Party, who were a group of financial experts, so they naturally understood this.

"But our Song Dynasty already has silver ingots and gold ingots. It's not that we don't have silver money!" Lu Dafang frowned.

Fan Zheng shook his head and said: "Although silver ingots can replace silver coins, traditional silver ingots are not easy to carry. They are soft and easy to wear. What's more, silver ingots are extremely valuable and are not suitable for circulation."

All the officials in the court nodded. This is why silver ingots are not suitable for circulation. In the Song Dynasty, copper coins were usually the main settlement method.

"Among the people, most of what is circulated is broken silver. It can be seen that the people need small amounts of silver and copper coins for transactions. The quality of broken silver varies from place to place, so it is difficult to accurately estimate its value and often causes disputes. I plan to use the royal family The bank collects the world's silver and resmelts it into silver coins. Like copper coins, it has a fixed weight and the same value. Each silver coin is worth slightly less and is equivalent to a hundred copper coins. This can greatly facilitate private transactions and can also Save a lot of copper consumption." Fan Zheng said solemnly.

Fan Zheng has a deep understanding of the currency shortcomings of the Song Dynasty. One tael of silver can be exchanged for [-] copper coins. It is almost impossible to make change. Broken silver is the main force of daily transactions. He presides over the Royal Bank and is the new official. The first of the three things he did when he took office was to issue silver coins, which completely changed the current situation of inconvenient money transactions.

"Broken silver, silver coins!"

The officials nodded slightly. They naturally understood the current situation of money in the Song Dynasty. It would be extremely convenient if there was a silver coin that could be exchanged for the same amount as copper coins.

"This is the prototype of the silver coin that Weichen asked the money minting supervisor to create! I would like to ask the officials and ministers to take a look!"

At that moment, Fan Zheng waved his hand and presented dozens of prototype silver coins for Zhao Xu and the officials of the Manchu Dynasty to see in person.

Baiguan picked up the copper coin in front of him and took a deep look at Fan Zheng. Fan Zheng was so well prepared and had obviously been planning for a long time.

"Is this a silver coin?"

Zhao Xu looked at the exquisite silver coins in front of him and couldn't help but feel curious. He saw the word "Yiyuan" written on the silver coin, and there was a clear pattern next to it. Below it was written the second year of Shaosheng. There was actually a clear person behind the silver coin. The avatar looks somewhat similar to myself.

"This is the late emperor!"

After careful investigation, the officials suddenly had a flash of inspiration. This figure was none other than the late Emperor Shenzong.

Lu Dafang picked up the coin in his hand and angrily said, "Fan Zheng, you are so brave. You printed the late emperor's image on the silver coin. This is a crime of great disrespect."

Fan Zheng explained: "Lu Dafang misunderstood. If you want to promote silver coins, natural fidelity is the first factor. If you want to keep the authenticity, you have to increase the cost of casting fake coins. For this reason, Fan put the silver coins on the Various patterns are added, and the most complex patterns are natural human figures.”

"Then the emperor's portrait cannot be printed on silver coins." Zhang Dun also took the opportunity to add insult to injury.

Fan Zheng spread his hands and said: "Silver coins are issued by the Royal Bank. Printing the portrait of the late emperor can make the silver coins more credible. Moreover, the official reign title is Shaosheng Shaoshu, which also expresses the memory of the late emperor. Weichen Printing silver coins with the late emperor's image is also to imitate the official family."

In fact, Fan Zheng's best choice is to use the portrait of Song Taizu Zhao Kuangyin. However, the official lineage is Zhao Kuangyi, and the silver coin can only choose to use one of them, which may easily cause disputes. In fact, it is also appropriate to use the portrait of Zhao Xu, and the Song Dynasty It was unlucky to use the portrait of a living person, so I finally chose to use the portrait of the late Emperor Shenzong.

Zhao Xu looked at the portrait of Shenzong on the silver coin and couldn't help but fall into a flash of memory. After a long time, he said: "The silver coin is the foundation of the country. If the father is still alive in heaven, he will definitely be extremely happy."

With Zhao Xu's final word, the debate over Shenzong's portrait came to an end.

Fan Zheng continued: "Secondly, in order to solve the shortcomings of silver coins being too soft and easy to wear, the money minting supervisor used a ratio of nine silver to one copper to make silver coins, which not only ensured the silver content of the silver coins to ensure the value of the silver coins, but also increased the The hardness of silver coins reduces wear and tear.”

"Silver nine and bronze one."

All the officials were excited, nine silver coins and one copper coin. Doesn't that mean that for every ten silver coins minted by the imperial court, one silver coin can be earned? Once the silver coins are issued, wouldn't it be a huge source of money for the money-making supervisor?

Even Zhao Xu couldn't help but feel excited. If he followed Fan Zheng's method, the Song Dynasty would gain a lot of money in a short time.

Fan Zheng reminded: "This kind of good thing can only be a one-time deal. After all, silver is much less than copper coins. It can take up to two years to melt the silver of the Song Dynasty. In the future, the court will also need to melt some seriously worn silver coins." Collecting and resmelting are all expenses that the later court will have to bear."

All the officials of the Manchu Dynasty had no objection to this. After all, that was already a problem for the future. The current top priority of the Song Dynasty was to mint silver coins to ease the financial crisis of the Song Dynasty.

Cai Jing was dissatisfied when he saw that Fan Zheng's evil prescription had once again persuaded the officials. He said nitpickingly: "Although silver coins are good, they don't have the tradition of the Song Dynasty coins having a round outer surface and a square inner surface. I'm afraid they shouldn't be carried around." !”

Fan Zheng laughed and said: "Copper coins are round on the outside and square on the inside. This is because copper coins are of low value and need to be carried in large quantities, so they need to be cast with square holes. A copper coin weighs five kilograms, and one silver coin can be exchanged for a hundred cents. , there are only one tael in ten silver coins, so it is so convenient to carry, so there is no need to pierce it, and it can also reduce the wear and tear of the silver coins."

Cai Jing frowned and wanted to refute, but Fan Zheng understood what he meant and immediately said: "If there is a large amount of silver dollar transactions, you can use Royal Bank's flying money business. Royal Bank is planning to reform the flying money business recently and charge [-]% for every hundred dollars. The second handling fee is capped at one silver coin."

One silver coin is only a hundred cents.Although the money remittance business in later generations was up to [-] yuan, paper money was prevalent at that time, coupled with the development of information, it was extremely convenient to remit money. However, in the Song Dynasty, information was not developed. Even if the silver coins were lighter, large quantities of transportation still required a lot of manpower. material resources.

"Even Wan Guan only needs one silver coin!" Cai Jing said in disbelief.

Because he knew that the cost of one silver coin was only five guan of flying money. If it exceeded [-] guan, the court would definitely lose money.

Fan Zheng nodded and said: "Fan recently looked through the flying money records for the past ten years and found that only [-]% of the flying money business is greater than Wuguan, and [-]% is below Wuguan. Obviously many people are extremely resistant to the high flying money fees, and The fee of a hundred cents is the best price that a businessman can bear psychologically."

The officials nodded slightly. At that time, the imperial court set the rate of flying money at [-] out of [-]. As a result, no merchants were willing to use the imperial court to fly money. In the end, they had to set the rate at [-] out of [-].

"Instead of that, why not follow the trend and use one hundred cents as the highest Feiqian fee, which is enough for a large number of merchants to choose Feiqian business and exchange price for volume. As long as merchants frequently use Feiqian business, Fan believes that Feiqian's The income will not decrease but increase." Fan Zhengxin said.

All the officials couldn't help but be dubious.

Seeing this, Fan Zheng changed his mind and said: "Moreover, now is the critical period for the imperial court to mint silver coins. Where does the silver come from? It naturally comes from the people. Now that the interest rate of flying money is capped at a hundred cents, merchants all over the world will definitely use flying money." Money, even large sums of money, is made of flying money. In this way, what the private sector invests in the Royal Bank is wasted silver, while what the Royal Bank pays is new silver coins.”

Obviously, the higher the amount of money transferred by merchants using Feiqian, the higher the proportion of silver. In this way, the profit of using private silver to mint new silver coins will far exceed the profit of Feiqian.

The officials calculated slightly in their minds that the profit from silver coins was one-tenth, and the profit from flying coins was two percent. It was obvious which one was more and which one was less. In this way, the court would benefit, the people would be happy, and everyone would be happy.

Fan Zheng smiled slightly when he saw this. As a result, Feiqian's business has skyrocketed. Even if it is capped at [-] yuan, Feiqian's profits will far exceed before, so there will naturally be no objections. (End of chapter)