Survival Three Kingdoms

Chapter 560 Bank
As a later generation, Zhou Cang would not try to be quick for a while, and sit on the emperor regardless of the affairs behind him.He wants more.

If possible, Zhou Cang would like to implement a constitutional monarchy, but whether people's thinking can accept it now; if he implements it forcefully, will he be overthrown in a hundred years; whether he or his son Zhou Xin will be dressed in a yellow robe is hard to predict.

I really want to live another 500 years. This is the true portrayal in Zhou Cang’s heart. If there are 500 years, he is confident that he will bring the Chinese nation to the top of the world. The problem is that I will be 20 years old, so I have time for myself Is it 30 years or [-] years?It is an extravagant hope to unify the world within ten years.Next, I have to race against time.

Fortunately, Zhou Xin is already 12 years old. I have been in Xuzhou all these years. Under the influence of my ears and eyes, Zhou Xin's thinking is obviously closer to my own. It seems that cultivating Zhou Xin will be the most important thing for me next.

It's not that he hasn't thought about these issues. He has been greatly touched by Zhang Jiong's words. There are many people under him who think like Zhang Jiong, but there are definitely not few who oppose it.Zhou Cang was in a daze for almost an incense stick, then slowly stood up and walked out quietly.

Since the completion of the Liaohou Mansion, only Yuan Mai lived in the side room for a period of time. Zhou Cang entered the Liaodong Liaohou Mansion for the first time. Perhaps because he was tired all the way, or because he was too deeply touched by Zhang Jiong, the banquet ended early that night.

On June [-]th, the lobby of Liaohou's Fuzhong is already gathering Liaodong civil and military: Xun Chen, Chen Ying, Zhou Ji, Zhou Xiang, Su Yang, Han Yue, Chen Zhong, Pei Yuanshao, Bo Cai, Bo Ba, Pei Feng, Ma Tie and other young generals are not enough Eligibility does not apply.

Xun Chen reported political affairs on behalf of Zhang Jiong. First of all, it was the administration of officials. A large number of Xuzhou students and examinees moved to Liaodong. They started as low-level officials. There are also scholars in Liaodong who are officials. Although the number is small, it has inspired the local style of study to become stronger.In terms of civil affairs, the total population of Liaodong has reached 210 million, which is only the figure after the conscription is discarded; nearly 3000 million mu of land has been reclaimed, and there are still nearly 5000 million mu that can be reclaimed; the annual output of rice, grain, etc. is 3000 million shi, and the agricultural tax Ten million stones, purchase 300 million stones, excluding support for Jeju and Yingzhou tens of millions of stones, 800 million stones for expedition to Youzhou and garrison expenses, there is still a balance of 200 million stones. Xiangping, Liaonan, Jinzhou, and Fushun have four large Warehouses, each with [-] million shi of grain.Speaking of this, Xun Chen directly lamented that although Liaodong is cold, it has a lot of land and is fertile. With the addition of good grain seeds and farm tools, the yield per mu is higher than that of Jizhou.However, the agricultural tax is so low, the people live well, and with the population growth, more people have the conditions to study.

Su Yang reported on the finances that Liaodong’s business tax revenue was huge, and nearly [-]% of it came from the transaction with Xianbei and customs duties. It’s a pity that the cash received was less, and most of them were taxed with goods. For example, Xianbei people used animals to offset taxes, and customs taxes Most of the people who arrive are IOUs.Su Yang fled three coins from his pocket and showed them to Zhou Cang: "Please look, my lord, these are the gold coins, silver coins and copper coins that have been made."

Zhou Cang carefully looked at it and groped repeatedly. The silver dollar finally came out. Although it was a little rough, it still had a good shape. The front was one yuan, the bottom was Jian'an 18-year system, and the back was Changbai Mountain.Zhou Cang could still maintain his composure, and everyone else's eyes were shining, and Zhou Cang handed it to Xun Chen and others for circulation. "How is the output now?"

"Relying on the water wheel made by Ge Jun, the use of hydraulic stamping saves a lot of labor, and the gold and silver from Donglai and Yingzhou continue to arrive. The craftsmen work in shifts day and night, and have produced 30 gold coins and silver coins. 200 million coins, less copper coins, about a million." Su Yang looked at Zhou Cang expectantly. "The reason why there are so few copper coins is that the raw materials are insufficient, and the subordinates can only hoard them slowly and dare not collect too many copper coins on the market."

"200 million..." Zhou Cang muttered. "It's still a bit small. How is the bank planning?"

Su Yang glanced at Han Rui: "The charter has been drawn up, and a hundred students of mathematics and business studies have been recruited, and the people and shops are ready. However, Han Yue's suggestion of a bank is not very nice. He wants to imitate a commercial bank and name it a bank."

"Pfft~" Zhou Cang just took a sip of tea and spit it out, well, even the bank was pulled out, these two boys are talented enough.

Han Yue was shocked. "Is the name of the lord inappropriate?"

"Sure, very good." Zhou Cang held back his own smile. "Then tell me how to set the price."

"The current copper coins are made money. Each coin can be exchanged for fifty copper coins. One hundred silver coins can be worth one silver dollar. In this way, one silver dollar can buy five shi of rice in the market; one hundred silver dollars can be worth one gold dollar."

The price of grain in Liaodong is still normal, and one mu of land only produces five or six shi, which is equivalent to one silver dollar. This price is more appropriate, Zhou Cang nodded, but the circulation of currency is a bit too small in comparison.

"Then how many gold and silver coins do you estimate will be produced every year in the future?"

"Based on the current output, [-] gold coins and one million silver coins can be produced every year. It's hard to say how to make money." Su Yang and Han Yue whispered a few words.

"Bring me the bank regulations."

Zhou Cang browsed through it. The articles of association mainly include organizational structure, staffing, currency exchange standards, fees, and circulation only in Liaodong.When you enter Liaodong, you no longer need to use the old money. You can only go to the bank to exchange it for new currency. When you leave, you can exchange it back to the old currency according to the original ratio. Half of the fee will be charged for the two exchanges.Part of the bank's income is used for daily expenses and construction costs, and the balance is turned over to finance and taxes.Zhou Cang nodded. The regulations are quite detailed, and the biggest problem now is the lack of money.

After all, he is a latecomer. Although he is not familiar with finance, Zhou Cang still knows something. "Let me broaden the business for you." Zhou Cang originally wanted to start a deposit, but after thinking about it, the time is not yet ripe. "Issuing bank notes."

"A bank note? What is a bank note?" Han Yue's eyes widened.

"In the future, all the salaries and rewards of officials in Liaodong will no longer be distributed in grain and money. The Finance and Taxation Department will use high-quality paper to print silver notes. Silver notes can be divided into one yuan, five yuan, ten yuan, fifty yuan, and one hundred yuan. Planting and reprinting.” Zhou Cang is not worried about man-made fakes, one is that papermaking and stereotype printing are firmly in his own hands, and the other is that it is difficult to imitate seals at the current level. "The bank notes are not bearer. Officials can go to the bank to cash in cash with the bank notes, and they can also be used for market circulation, but the person who handles them needs to sign on the back of the bank note."

"Wonderful, this move can greatly alleviate the problem of insufficient money." Han Yue cast his eyes on Zhou Cang.

Su Yang looked hesitant, but he wasn't worried about someone making a fake. "My lord, the Finance and Taxation Department is responsible for issuing bank notes, how to control it?"

(End of this chapter)