Ming Zhengzhi, I am Zheng Kezang

The Four Seas bank note in Zheng Kezang's hand is actually a multi-layer adhesive paper with a length of [-] inches and a width of [-] inches and a width of [-] inches. Its background color is pink, which looks very happy.

On the upper right corner of the front of the banknote is a small inscribed seal with four small seal characters of "Sihai Qianzhuang".

On the edge of the seal seal is a line of six slightly larger characters written in block letters from right to left, "issued according to the imperial order".

At the left end of the regular script are two small, interlaced printings of the royal family flag of Lan (Ming) and Huanglan and the Chinese national flag of Lan (Earth) and Huanglan.Below the national flag are several official script characters written from top to bottom, "Worth the current silver twenty guan".The zenith of the Clippers is close to the small seal script, where the rising sun is shining with all its brilliance.At the lower right end of the Clippers is a row of twelve-character codes, which are used for anti-counterfeiting identification.

Turning over the banknote, the first thing that catches your eyes is a series of official official seals stamped on the orchid shading, from right to left are "Duzhi Yamen Main Hall", "Minting Department Seal", "Treasurer Department Seal" ", "Yantie Yamen Main Hall", "Tax Department Seal", "Market Ship Department Seal".At the top of the six yamen seals, there is also a warning saying "I have been ordered to persuade you to know: anyone who forgers will be sent to the border." [

The lower part of the big seal is symmetrically printed with the small letters of "issued in the first month of the sixth year of Wucheng" and "Si Hai Tong Hai No. [-] Lian Dui".

Although this banknote is still very rough in the eyes of Zheng Kezang, and it does not look like paper money from another time and space at all, but at least it is a new beginning, symbolizing that China has taken the first step from real currency to credit currency .

Naturally, the crucial first step cannot be wrong, so Zheng Kezang asked carefully: "How much silver is in deposit on No. [-] now, and how many bank notes have the manager issued based on it?"

"Return to the Holy Spirit," Cheng Zhonggao, Minister of the Interior and Minister of the Manager's Office, reported on behalf of the two bank governors' offices around him. "Now the total number of deposits in the Four Seas Bank is 140 guan and 370 seven coins, and the total number of deposits in Tonghai Bank is 420 five guan and 100 coins. The above are fixed Long-term deposits of more than three years, as for the other semicolons fluctuating from time to time, so they are not included for the time being." Cheng Zhonggao paused. "According to this, the manager's office plans to issue 80 million Sihai banknotes in three years, and [-] Tonghai bank notes in four years."

"Too much at first, then too cautious." Zheng Kezang shook his head again and again. "Come on, call Zhuo Jincheng here." Zheng Kezang asked as the meeting office from the warehouse hurried over in a while. "How much silver is there in the inner treasury now?"

Zhuo Jincheng scanned the offices of Cheng Zhonggao and the two governors of the bank, and after a few rounds of thinking, he slowly reported: "So that the Holy One will know, the internal treasury now has 67, 420, 550, and 11 coins. Wen, judging from the storage situation in the last three years, it can increase about [-] silver deposits every year."

The inventory in the inner treasury is naturally more than that. Among other things, most of the more than one million gold plundered from Japan during the Japanese Conquest fell into the hands of the Chinese royal family, and [-]% of it was kept by the inner treasury. Ke Zang's private money is actually more than the silver deposits of the two big banks.But Zheng Kezang just asked about the amount of silver deposits, so Zhuo Jincheng naturally didn't need to answer anything else.

"67 guan, then add up to more than 320 million guan." Zheng Kezang made a rough calculation. "In this way, the manager will issue banknotes at a total of 20 per year. If there is a run, the inner treasury will serve as a guarantee."

20 guan does not sound like a lot, but Zheng Kezang did not set a time limit for the issuance date, that is to say, 20 guan can be issued every year. But it may not be fully exchanged, so the three people at the manager's office all showed a bitter look.

When Zheng Kezang saw it, he laughed: "Why do you think I will renege on my promise and get fat?"

It was Zheng Kezang who first advocated the need to maintain the government's credit, so naturally he would not squander the royal family's credit at will: "After a few years after the bank notes are issued, I will arrange for the Duzhi Yamen to use half of the salaries of officials and half of them in cash. With banknotes, do you think that 20 banknotes per year is enough?"

The answer is no, officials are the largest consumer group, once the officials start to use banknotes, the day when banknotes become banknotes will not be far away: "In addition, I will also arrange Duzhiyamen to collect taxes from all over the country. The transfer will be handed over to the two major banks. At that time, as long as the dealer's ticket is issued as a voucher, can the credit of the banker's ticket be guaranteed?"

Leaving Zheng Kezang's foreign study where he handled government affairs, Cheng Zhonggao sighed to his peers: "The sage will teach you tomorrow."

Cheng Zhonggao's sigh was not over yet, and Zhuo Jincheng on the side interrupted: "Master Cheng, the benefits of issuing bank notes are indeed wrong, but the risk has to be shared by the internal treasury and the manager's office. profit distribution"

Cheng Zhonggao smiled wryly: "Master Zhuo, the money earned by the manager will eventually be remitted to the inner warehouse?"

"No yyng." Zhuo Jincheng didn't like the other party. "In the past, the inner warehouse did not have to take risks."

"Hearing what the Holy Majesty said, there is no risk in issuing banknotes." Xiao Guoying, the Assistant Office of the Manager's Office and the Governor's Office of the Four Seas Bank, interjected. "Don't look too ugly in the inner warehouse."

"Master Xiao's words are so harsh to me, don't let the inner treasury clean up for you if you have the ability."

"Lord Zhuo, don't be angry. Harmony makes money." Dongmen Hua, the governor of Tonghai Bank who also assisted the manager, cast his eyes on Cheng Zhonggao and Xiao Guoying. "Who doesn't know that the inner treasury is the real rich man, how about this, the manager's office can negotiate more and half of the benefits to the inner treasury, but Master Zhuo, tell me honestly, how much money is there in the inner treasury? "[

"It's not that Master Dongmen doesn't know the rules, but he came to ask me what the secrets of the palace are doing?"

Dongmenhua explained to both Zhuo Jincheng and the two colleagues who were also puzzled: "The lower official thought, since the Holy One agreed to release 20 banknotes a year, and since the banknotes have profits and losses, why not Put a little more, 30, and the benefits will be even greater."

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Xiao Guoying frowned when he heard the words: "Brother Dongmen, you are too courageous. In case of a run, it is a trivial matter to damage the capital of the bank, but it is a trivial matter to destroy the credit of the Holy Majesty, and that will be beyond redemption." It's a disaster."

"It is precisely because of this contingency that the internal treasury has to come forward to deal with the run at critical times." Dongmenhua said. "That's why I want to ask Mr. Xiao about the stock of the inner treasury."

"That's right." Zhuo Jincheng smiled in relief. "It's not convenient for me to talk about the background of the inner treasury, but I can tell a few adults that if the banker's bill is released at 30 a year, the inner treasury can support it for a while, but if you really want to do this, the banker's bill will be issued For the benefit, at least it is appropriate to give [-]% to the inner treasury."

"[-]% is too much," Cheng Zhonggao denied. "Brother Zhuo still doesn't want the lion to open his mouth. After all, it's just in case, and it can't happen often, or even once, so five percent is more appropriate."

The two sides didn't go back to the inner court at all, and directly found a room to discuss the above-mentioned issues. Before the two parties could finalize a final number, an internal servant hurried over: "I said Master Zhuo, turned around and ran to Here we come, it’s really hard to find our house, hurry up, the Holy Majesty is calling you again.”

Zheng Kezang summoned Zhuo Jincheng again?This news made the four people present worry about gains and losses, so they agreed to discuss everything after meeting Zheng Kezang, and only after the matter had not changed, Zhuo Jincheng went to see Zheng Kezang again.

House thieves are hard to guard against. Zheng Kezang didn't expect that the people below would plan to use the internal warehouse to make profits, so he actually approached Zhuo Jincheng to take care of a related matter: "I forgot to take care of you just now. Once the manager's The banknotes are issued, and the inner treasury has to throw out the deposits year by year to absorb the deposits. As for the expenses and rewards in the palace, it is better to switch to the banknotes, which can be regarded as supporting the manager's office."

Zhuo Jincheng understands the purpose of throwing out the deposit, nonsense, who needs to keep a large amount of silver on hand when he has a portable banknote, but Zhuo Jincheng is a little confused about absorbing deposits, but he dare not Feel free to guess, just respond: "I understand."

Back in the inner treasury, Zhuo Jincheng was still thinking about this question. Seeing that the master was a little out of his mind, Liang Yi, the eunuch who was helping to handle treasury affairs, asked casually, "Why did the Holy Majesty recruit Mr. Zhuo? Why did you see Mr. Zhuo?" When you come back, you look like you don’t think about food and drink?”

The eunuchs in the Wucheng Dynasty were severely suppressed. Among the various departments of the inner court, only the internal officials were in charge of the eunuchs.

Of course, Zhuo Jincheng would not ignore the existence of Liang Yi. After all, he is different from the Kunlun slave eunuch who just entered the palace. After all, he is also a loyal servant who has followed Zheng Kezang for many years. Zang later informed him about it, and then speculated: "Old Liang, do you think the Holy Majesty thinks that the price of silver will fall and the price of gold will rise in the future?"

"It's possible." Liang Yi thought for a while and gave an answer. "The ratio of gold and silver in Guochao is now [-]:[-], but it is said that Taixi has reached [-]:[-]. It is estimated that the Holy Lord may increase the price of gold in the future to prevent gold from flowing out, but this is not right. Now Taixi traders are holding gold. Silver came to China, and I have never heard of anyone returning with gold and silver."

"That's right, I can't figure it out here too." Speaking of this, Zhuo Jincheng's eyes suddenly twitched. "Old Liang, do you think the Holy Majesty is preparing to fight Luzon, and he is making preparations in anticipation that Luzon's gold and silver will not be imported in a short time?"

"What eunuchs like us should know about military and state affairs." If it wasn't for such a sense of propriety, Liang Yi wouldn't be where he is today. "Forget it, Mr. Zhuo, don't think about it any more. Your Majesty has never done anything useful so far. You and I should just do it."

"That's true." Zhuo Jincheng laughed. "By the way, I just negotiated a deal with the manager, Lao Liang, you can help me with my staff."