On the Science Ship that is swimming against the current.

Lin Run subconsciously twisted a piece of white and tender nougat and sent it to his mouth to taste. I'll go, it's much better than the ones on the market.

Lin Zhongcheng, who loves sweets, resisted the urge to come again.

He asked again: "Then what kind of thing is the Jiangnan Bank you want to open?" ”

"Zhongcheng can see it as an upgraded version of the money bank, and we will optimize and improve all the functions of Wu Ji money village to make it a more powerful ......" Zhao Gongzi thought for a moment, but still couldn't find a suitable word to replace, so he had to smile bitterly:

"Money Bank."

"Hey," Lin Runbai wasted some emotion, pointed at Zhao Hao and smiled: "New bottles of old wine." ”

"This name is better, silver is more expensive than money, and the line is bigger than Zhuang." Jiang Xueying said to Zhao Hao: "Brother wants us Jiangnan Bank to surpass all the money banks in the world." Saying that, she glanced at Lin Run and said, "This is inseparable from the support of Zhongcheng and her husband." ”

"This hospital just said that if you vote for me with papaya, you will repay it with Qiongju." Lin Run nodded quietly and said, "You have sacrificed so much for the mansion, of course we have to repay it wholeheartedly." ”

After speaking, he sat up straight and said:

However, the Jiangnan Company proposed that from now on, all the silver handed over to the government by the people of Suzhou must first be deposited in the Jiangnan Bank, and then the Jiangnan Bank will issue silver bills. The government only accepts the silver coupons issued by the Jiangnan Bank, and no longer collects cash directly from the people...... This silver coupon is a meeting ticket, right? ”

"Almost, the only difference is that the silver coupon is bearer." Zhao Gongzi replied with a smile: "Zhongcheng can also be called a silver ticket. ”

"It's a lot of savings." Lin Zhongcheng tapped his fingers on the table, thinking: "And it can also solve the problem of corruption among the officials, which is also a good way." ”

After a pause, he looked at the young man and girl in front of him and said, "But the government can only accept the silver bills of Jiangnan Bank, and cannot accept other banks, which is a bit overbearing, right?" ”

Zhao Hao and Jiang Xueying glanced at each other, and the former slowly shook his head and said, "As Zhongcheng said, this is a matter of benefiting the country and the people. Maybe it's a little overbearing, but it's also to prevent people from taking advantage of loopholes and causing good things to turn bad. ”

"What do you mean by that?" Lin Zhongcheng asked softly.

"In fact, silver tickets are not a rare thing, during the Northern Song Dynasty, there were special 'silver ticket shops' in Sichuan." Zhao Gongzi refilled Lin Run's tea, and laughed loudly:

"Unlike banknotes issued by the imperial court, silver bills have always been freely issued by merchants. But how does the credit of a businessman compare to that of the state? Therefore, this requires that the silver ticket must be 'payable at sight'. To put it bluntly, it's just a credential for deposits and withdrawals, not real banknotes. ”

Lin Run nodded and listened very seriously. Daming's biggest weakness is finance, which is far inferior to Mengyuan.

At least the Yuan Dynasty knew the reserves to be set up for the issuance of banknotes before the calf was finished. Zhu Yuanzhang dared not to give any guarantees, and dared to be a moneymaker when he printed a piece of paper.

But after all, Emperor Taizu has made great achievements and the people are convinced by Emperor Taizu, he said that the Ming treasure banknote is money, and the people of the whole country will treat it as money.

Of course, the main thing is that no one dares to make money......

So throughout the Hongwu period, the value of the treasure banknote depreciated and rose from time to time, but it was still worth money overall.

However, after the serious damage to the country caused by the Battle of Jingyan, and Zhu Di's great achievements were comparable to Yang Guang's, the financially exhausted Ming finally opened the unlimited banknote issuance mode.

So the torrent went straight down three thousand feet.

From the last years of Hongwu, the banknote can be exchanged for copper money for 500 wen, and the depreciation has been depreciated to the second year of Yongle, and the banknote can only be exchanged for 100 wen.

Yongle has been five years, and has always exchanged banknotes for sixty dollars.

In the last years of Yongle, it has always been exchanged for ten cents.

In the seven years of Xuande, the banknote has always been only worth five copper coins.

Orthodoxy for seven years, always a penny.

After the change of the civil fort, the treasure money has reached a desperate situation where it is worthless, and the so-called 'accumulation of the market, regardless of the passer'.

By the Zhengde period, the treasure money had actually been abolished.

After that, the Ming Dynasty no longer issued paper money, nor could it borrow money from the private sector as it did in the late Qing Dynasty.

In fact, after Daming Longwan, he made crazy money in overseas trade, and more than one-third of the world's silver flowed into China, and there were not too many rich people in the private sector.

But no one would lend money to the imperial court.

Without it, because the state credit is completely bankrupt. No one will ever be fooled again.

~~

It can even be said that all kinds of difficulties after the Ming Dynasty were due to this vicious overdraft of drinking to quench thirst.

Being an official in such a bankrupt and poor court with a clanging noise, even if he is the governor of the heavens, he still can't do anything.

So Lin Run wanted to hear if Zhao Hao had any clever insights that could inspire him to improve the embarrassing situation.

"Because the silver ticket shop abides by the credit, take it at any time, the printed 'silver ticket' pattern is exquisite, hidden as a mark, black and red is wrong, and it is difficult for others to forge it. So the silver ticket won a high degree of credibility. ”

It's a pity that Zhao Gongzi's explanation has ulterior motives, and the purpose is to take him to the ditch.

So the merchants, when they made large transactions, instead of using heavy coinage and cash, exchanged them for silver tickets. This greatly contributed to the economic prosperity of the Song Dynasty. The reason why the Song Dynasty is far richer than the Ming Dynasty when the population and land are only half of our dynasty is that this small silver ticket has made great contributions. ”

"Yes......" Lin Run couldn't help but feel excited, as if he had seen a little light.

"But not all bank ticket shops are law-abiding and trustworthy. There are some profit-seeking and insatiable shopkeepers who maliciously defraud and abscond with money after indiscriminately issuing silver bills; or misappropriation of deposits, failure to operate other transactions and bankruptcy, so that the issued silver notes cannot be cashed. ”

In this way, when depositors withdraw money and are unable to do so, it often provokes incidents and lawsuits. Therefore, during the reign of Song Jingde, Zhang Yong, the governor of Yizhou, rectified the silver ticket shops, eliminated the lawbreakers, and operated them exclusively by 16 wealthy merchants. At this point, the issuance of the 'silver ticket' was approved by the government. ”

After speaking, Zhao Hao said to the thoughtful governor:

"My Daming Qianzhuang has learned the lessons of the Song Dynasty and gone to the other extreme. In order to prevent counterfeiting, indiscriminate issuance, and misappropriation, the registered account ticket is used instead, and every transaction must be delivered at the counter of the bank. This greatly hindered the development of industry and commerce in the Ming Dynasty, became a shackle to our economy, and also dried up the tax resources of the imperial court. ”

"So we want to reintroduce bearer silver tickets, but also learn from the lessons of the Song Dynasty. Therefore, we believe that the issuance of silver tickets must do three things, in order to benefit the country and the people, beneficial and harmless! ”

Then he held up three fingers and said in a deep voice:

"First, it is convenient for free circulation and exchange. Second, perfect anti-counterfeiting. Third, put an end to indiscriminate issuance with strict supervision! ”

ps. The fourth update, ask for a monthly pass!