Survival Three Kingdoms

Chapter 561 Silver Note
"Well, this is a problem. How about this, the Finance and Taxation Department regularly hand over the money to the bank, how about the bank handing over the bank notes according to the denomination specified by the Finance and Taxation Department? If the Finance and Taxation Department has no cash, it can take the share of the bank's earnings for the year to borrow in advance, but only Don’t overspend that year.” Zhou Cang was surprised, yes, what if the Finance and Taxation Department proposes that the bank notes are out of control, and the bank will be emptied.

"If this works, merchants can also use bank notes for settlement. Hehe, the IOUs owed on credit will be greatly reduced." Han Yue looked like a merchant. "Is it possible to charge merchants for issuing bank notes?"

"It depends on the trial situation." Zhou Cang was very satisfied with Han Yue's quick response. "One thing, you have to be careful. The banknotes must be made well. Not only must they be exquisite, but they must also be thick and wear-resistant. More importantly, they cannot be copied by others, especially insiders. If you find counterfeiters, you will be killed without mercy!"

A sentence of killing without mercy makes people shudder.

Su Yang was still worried: "The bank note is not bearer, but the paper is difficult to preserve. What if it is damaged, burned, water-stained, or lost?"

"If it is damaged or discolored, it can be exchanged if it can be recognized. If it can't be recognized or lost, it can only be dealt with as bad luck." Zhou Cang is also helpless. "However, it can be stated on the bank note that it is valid for three years, and after three years, you need to go to the bank to exchange for cash or a new ticket."

"I'm afraid that some people will not want to use it." Su Yang murmured.

Han Yue smiled and said: "I think there will be people who are willing to use it. First, the bank notes can be exchanged in all states, saving you the trouble of carrying a lot of money; second, the small bank notes are easy to hide, and they are safe to carry around and keep at home. .Besides, don’t you just lose the money if you lose it? Besides, didn’t the lord say that you will also use silver bills for rewards in the future? How did the soldiers in front of the two armies get the silver money? It’s much easier to bring a silver bill.”

Su Yang nodded. "It's still your long-term thinking."

"That's right. Bank notes will be used more and more in the future. One thing, you must keep in mind that the issued bank notes must be backed by a full amount of money, and you must not sign randomly. Signing bank notes indiscriminately is also decapitation." Zhou Cang pinched the date: "Tentatively, the bank will open on the eighth day of August. It will be called Liaodong Bank, and the counties in various counties will be called branches. Bank notes will be issued on the eighth day of September. Han Yue, you will be the first banker. President, you can choose the presidents of various branches. Su Yang, you will be the supervisor of the bank to supervise the bank, and the Supervision Department will assign a supervisor to each branch."

"How to print the bank notes?"

"Three seals per ticket: Liaodong Bank's seal, president's and supervisor's seals." Zhou Cang said from memory, "You two go back and write a charter about bank bills, and these are written in the charter. The bank will recruit more people. .”

For the rest of the day, the topics of the meeting mainly focused on bank setup, banknote design, supervision and other aspects.Pei Yuanshao, Bocai and other generals didn't quite understand, but Xun Chen and others understood somewhat. Xun Chen even thought that in the future, taxes from various places would have to be transshipped except for grain, and other money would only need to be exchanged for bank notes and sent to Xiangping. Save a lot of travel expenses and save a lot of manpower.

"The main problem now is the lack of money making. Since the master has set a certain date, I immediately ordered all the workshops to make money making. The existing materials are expected to make millions of dollars a month. I'm afraid it's still not enough." Ben was already very excited. Su Yang became a little depressed.

Xun Chen smiled slightly, finally he had a chance to speak. "This matter is easy. I can order officials from all over the country to hand over all the old money in the government to the bank after deducting daily expenses. Can it be waived?"

Han Yue was overjoyed: "That's a solution to the urgent need. It should be possible to postpone the delivery of the bank note for three months and waive the fee."

"Okay, I'll issue a decree in a while, and you can arrange people to do a good job of counting and making books. If it's fast, you can collect Xiangping within ten days, and all counties in one month. It's enough for you to deal with it." day."

People's hearts are in harmony, and energy is directed in one direction, which is what Zhou Cang most wants to see. "Well, on the eighth day of August, the bank will open and start exchanging money. Both made money and old money can be circulated in the market. After half a year, the market will stop circulating old money. But the exchange rate remains the same. Even if the price changes, it will not change. If there is any loss, how about making it up from Xuzhou?"

Su Yang and Han Yuexi were overjoyed: "Another half a year is enough to prepare."

Zhou Cang suddenly remembered something again. "You have to control the amount of money and silver dollars. The knowledge in it is very deep, and I can't explain it for a while. You need to think about it. It may become a new discipline if you make a good summary. The extra money produced is not enough. Put it into the market, seal it all up, and use it in other states in the future. If it goes well in Liaodong, it will be implemented in Yingzhou and Jeju next year."

Han Yue hesitated, "My lord, my family is originally a merchant, and there are many merchants in Liaodong. It is common for merchants to borrow money from each other temporarily. Can banks engage in loans in the future?"

"No!" Zhou Cang directly denied. "Banks are only engaged in issuing money and exchanging money and notes, and are not allowed to lend money. However, your proposal can be considered. After the bank's operations are well established, a special commercial bank will be established to engage in lending."

"Yes." Han Yue was a little discouraged.

"Do you have a recommendation from someone who is engaged in lending?" Zhou Cang asked meaningfully.

"Uh." Zhou Cang broke his mind, and Han Yue blushed. "I have a younger brother named Han Cheng who is very good at this."

"Since he is the person you are optimistic about, it must not be too bad. You can let him experience in a commercial firm for a year, familiarize himself with the economy and trade of Liaodong, and come up with a charter. Show it to me when the time comes." Zhou Cang told Han Yue saved a bit of face, if he was really a talent, Zhou Cang would not mind making an exception for the appointment, not to mention that the loan business would have to be implemented sooner or later.

"Thank you, my lord!"

"Okay, do you have any questions? If not, you can go back to prepare. Tomorrow, we will continue to discuss in the mansion." Zhou Cang ended the meeting for the day. "Yuan Shao, accompany me around the city."

Zhou Cang and Pei Yuanshao strolled on the streets of Xiangping, Dianman and Duanmuling led several personal guards to guard them.

"Xiangping is different every year. I think the level of prosperity now is no less than that of Pengcheng." Zhou Cang sighed softly. "I want to be evil again. It would be great if the evil is still there."

"Brother, don't be sad. If you know my brother's status today, you should also smile in Jiuquan. Besides, Xiaoman is already an adult, which is enough to be gratified."

"You and I go to pay homage to evil outside the venue."

Outside the east gate, Pei Yuanshao ordered the incense table and Dianwei's tablet to be set up. Zhou Cang had tears in his eyes, and Dianman suppressed the tears and knelt down on the ground.It was not until dusk that Zhou Cang was persuaded by Pei Yuanshao to return home.

(End of this chapter)