PS: Thank you for the monthly ticket voted by the book friend "White Cosmic Wind 17".

Mo Yiqing said: "With the addition of the three mansions along the river of Xingguo Gong, there are these six mansions, which should reduce a lot of influence." ”

Wu Zheng said: "I will discuss this matter with His Royal Highness the Prison State...... You and Ling Zu don't bother about this, I will solve it. ”

"Yes." Mo Yiqing responded, then hesitated, and asked tentatively, "Qing'er has something in her heart, I don't know if I should say it?" ”

Wu Zheng said suddenly: "You dare to use my name to instigate Ling Zu to issue an official document with the Yamen of the Political Secretary, and what other major events you dare not even say?" ”

Mo Yiqing bit his lip lightly and said, "Husband, are you still blaming Qing'er?" ”

Wu Zheng also felt that it was useless to dwell on this matter, so he shook his hand and said: "It's my little family who is angry, it's okay, let's not talk about this matter, what can you say?" ”

Only then did Mo Yiqing muster up the courage to say: "Qing'er suggested that the ancestor lend money before, but in fact, this is Qing'er's plan to kill three birds with one stone. ”

Wu Zheng was a little surprised, and let out an "oh".

Mo Yiqing said: "The first is to relieve the insufficient circulation of money in Hangzhou, the second is to relieve the plight of many merchants in the city, and the third is to ...... This is also the main purpose of Qing'er's strategy. ”

"What is the purpose?" Wu Zheng couldn't help but ask, he really didn't expect that this girl had a third purpose.

"The Mo family has been in business for generations, Qing'er has heard and seen it since she was a child, and she also knows that the most important thing in the business world is the circulation of currency, and the Ming treasure banknote is easy to carry, which should be a policy for the benefit of the country and the people, but it is helpless to implement it ineffectively, and it happens that the imperial court is not financially enough, and it has become a bad government that harms the people and poisons the world."

Wu Zheng's heart moved, he admired this girl a little.

"Do you want to reissue the treasure banknote? No...... No, this is not feasible now, at least not in the short term, and the prestige of the imperial court simply cannot support the circulation of treasure money. ”

Wu Zheng knew the stakes in this, and the printing technology at this time was not good, and it was impossible to prevent forgery, especially now that the Quartet is full of forces, wars are frequent, and the reissuance of treasure money is almost self-defeating.

"The husband misunderstood, Qing'er didn't want to regain the treasure money."

Wu Zheng was stunned, "Then what do you mean?" ”

"Hangzhou merchants gathered, more and more merchants from all over the world, Hu merchants, can carry gold and silver goods is very inconvenient, and there are many robberies. If Fujun opens a money bank with the reputation of the imperial court and accepts the money from the nine provinces, it will greatly reduce the loss of merchants and undoubtedly increase the profits of merchants, so that business will be able to go to a higher level. Qing'er's thoughts are exactly the same as her husband's taxes all over the world, that is, to exchange the world. ”

Wu Zheng opened his mouth wide and was stunned, this girl wouldn't have crossed like herself, right?

"Good idea." Wu Zheng clapped his hands and exclaimed loudly, "It would be better if I could open a bank." ”

"Banks?" Mo Yiqing pondered puzzled, "Where is the silver going and where is it stored?" ”

Wu Zheng was relieved and replied, "Exactly." ”

"According to the husband's wishes, change the money bank to a bank."

Wu Zheng smiled bitterly: "Do you know how banks work? ”

"Qing'er only knows the general steps of Qianzhuang, if the husband agrees, the ancestor knows this way."

Wu Zheng shook his head and said: "I'm not talking about the opening of the money bank, but the most important thing in the operation of the money village is credibility, I am Jinghaihou, and it is true that I govern the land of the three provinces, but after all, there is a court above, and the money village is exchanged for the nine mansions, which involves too much, and it is difficult to get through for a while." ”

No, Mo Yiqing said: "In fact, it is not as complicated and difficult as the husband thinks, with the acceptance of the money village, the collection and delivery are real money, the same amount of money, the money village is nothing more than using the silver here to deliver the payment for goods from other places, and collect some fees from it." This can be completely free from the coercion of the imperial court. ”

Wu Zheng suddenly didn't have a good brain, shouldn't he pay interest to depositors when he saved money? Is it a storage fee and an exchange fee?

"According to your meaning, if you charge a fee, will the merchant come to deposit and redeem?"

Mo Yiqing chuckled and said: "Husband, do you know that the foreign merchants of Hangzhou Mansion enter and leave Hangzhou, and the goods, gold and silver transported are all carried by the private dart bureau?" Do you know how much escort fees are charged? ”

"How much?"

"Depending on the value of the goods, whether they are fragile, and whether they are within a time limit, they will be charged from one to three percent. If it is a vehicle of gold and silver, it will be charged from one to two percent according to the distance and the danger of the road. ”

Wu Zheng immediately understood, according to Mo Yiqing's strategy, this matter was feasible.

It can be converted into exchange costs for merchants, even if the two are about the same, but reduce the danger of gold, silver, and goods, as well as the convenience of acceptance, which is the greatest benefit for merchants.

"That's your third purpose? It's possible, but I don't think it has anything to do with the previous lending. ”

Mo Yiqing explained: "This lending, involving thousands of merchants of all sizes in the city, to open a money bank, in addition to credibility also needs a lot of contacts, husband Jun try to imagine, if the business dealings of these debtor merchants are exchanged through the money bank, what will the situation? ”

Wu Zheng suddenly made sense.

"Besides, what if the debts of these merchants were converted into shares?"

Wu Zheng was confused, "You mean to let them take a stake in Qianzhuang?" ”

Mo Yiqing covered his mouth and smiled, "The husband is really generous, like a cornucopia-like bank, he can also let others become shareholders?" ”

"...... that?"

"Invest in the debtor's business with debt, so that the husband has control and voice over their business. Naturally, it is not suitable for the husband to come forward, and another person can be selected to replace the husband. ”

Wu Zheng understands everything now, he has to admire Mo Yiqing, her thinking is clear, her ideas are ahead of the times, she is really a rare talented woman.

Forcing merchants to transfer their industrial shares with debts, and then intervening in decision-making as shareholders and entrusting the flow of funds generated by business transactions to the bank, which is equivalent to the daily flow of funds generated by the Hangzhou government, all circulated and transferred within the bank, whether it is the buyer's or seller's money, most of it has become a number, and this money has been lying on the bank's account.

It doesn't take much, just the thousands of merchants in Hangzhou who owe debts are enough for the money village to gather a huge amount of money in an instant, although the ownership is not the money bank's, but in fact it is in the money bank's treasury.

The key point is that not only does the bank not have to pay interest, but also charges a lot of transfer fees.

This is different from the banks of later generations, and the money bank opened now is guaranteed by the credit of the imperial court and Wu Zheng, which is probably the only one among the people, and there is no other semicolon.

Monopolize! Wu Zheng's mind flashed this word, and the meaning of this word is profiteering.

Wu Zheng smiled, this girl is so good, to the point of surprise.

Seeing Wu Zheng's heartfelt smile, Mo Yiqing said in surprise: "Husband agreed?" ”

Wu Zheng nodded, "You go back first and call your grandfather." ”

"Yes." Mo Yiqing's steps outside the door became brisk, which was somewhat incompatible with the education she had received since childhood, but at this time, she was no longer aware of it.