Merton didn't seem to be aware of the sinister intentions of Yu Zhining and others, and continued to expose his family ugliness: "What's even more terrifying is that Mojia Village opened a bank and obtained a large amount of cash in a short period of time, which will definitely make countless people quite excited. ”

The ministers couldn't help but be in an uproar, they didn't expect that the Mo family would expose another big loophole, since ancient times, people die for money, birds die for food, Mojia Village has obtained such a big benefit in a short period of time, it must have made countless people quite excited, given time, countless people will definitely follow suit, but the bank was established for a short time, and the world has not had time.

Yu Zhining was overjoyed when he heard this, and immediately scolded him with high spirits: "Mo Jiazi, you are simply bold, my Tang people are simple and simple, and the people live and work in peace and contentment, and you pioneered the bank, so that the property of the people of the world is at risk, if you are not careful, the trust of the people in the world will be destroyed, the etiquette will collapse, and the thousand-year-old education of Confucius will be reduced to empty talk, you can be guilty!" ”

Yu Zhining's accusation is not serious, the ancients ruled the country with courtesy, and the issuance of bank bills is a sign of turmoil, if you are a little careless, I am afraid that it will cause a big disaster, and this disaster is not something that the Mo family can afford.

Other ministers chimed in, accusing Merton of being a bulking of unrest.

Qin Qiong couldn't help but show a worried look when he saw Merton being criticized and written, but he was very confident in Merton's past achievements, so he couldn't bear to come forward.

"Merton, what do you have to justify!" Li Shimin said helplessly. According to the ministers, it seems that the bank has become the root of all evil.

In an instant, the ministers were immediately ready for battle, according to the past practice, this time would definitely be the time for the Mo family's counterattack.

Sure enough, I saw Merton say loudly: "Back to Your Majesty, what the ministers are worried about today, Wechen has already predicted when he opened the bank, but Wechen still chose to open a bank in the end, because the bank is a double-edged sword, which can hurt both others and oneself, but if I use it properly, it will be a peerless weapon." ”

"Peerless weapon!" Everyone couldn't help but be stunned, they didn't expect that Mo Jiazi would take the bank so seriously. Yu Zhining and the others couldn't help but glance at each other, the more the Mo family valued something, the more they couldn't let the Mo family succeed.

"Not bad." Merton said proudly: "First of all, the world suffers from the weight of silver money for a long time, and the bill of exchange business naturally does not need to be mentioned, so it is said that silver bills have incomparable advantages over silver and copper coins.

Everyone couldn't help but nodded, at this point, the silver ticket does have a great advantage, not to mention that the Mo family divides the silver ticket into one tael, one money, and one point, so that it is very convenient for people to carry, and they can cash out the silver, and it is so convenient, coupled with the credibility of Mojiacun and Mojiazi, this is also the reason why the silver ticket can be implemented so quickly.

"Secondly, the silver ticket can also reduce the loss of silver and copper coins, many people, once they have money, lest they be stolen, they will be buried deep in the ground, for a long time, the patina is all over, the silver is soft, and the daily use of things, there is a lot of loss, and the silver ticket can perfectly avoid such problems."

Dai Xuan, the servant of the Ministry of Civil Affairs, nodded involuntarily, he was in charge of the Ministry of Civil Affairs and naturally knew these drawbacks, and the annual loss of Datang was not a few.

"In the end, the biggest role of the silver ticket is to solve the problem of copper shortage." Merton finally threw a depth charge.

"Copper Waste!" Suddenly the ministers were in an uproar, the copper shortage can be an extremely headache for Datang, you must know that Datang is every year because of the shortage of copper money, resulting in the rise in copper prices, but Datang's economy is growing, and the demand for copper is almost unlimited, but the mining technology of copper ore in this era is backward, and it is simply unable to meet the demand. If the problem of the copper shortage in Datang can be solved, it will be a great achievement.

"Your Majesty can imagine that a one-dollar silver ticket can replace a hundred copper coins, a penny silver ticket can replace ten copper coins, and the people only need a stack of banknotes and a few copper coins to settle the settlement, unlike today's transactions are carried with a full purse of copper coins, if the daily silver ticket is promoted to the world, Datang's demand for copper coins can be used only by one percent, which is the best way to cure my Datang copper shortage." Merton said proudly.

"One copper coin is enough!" A glimmer of light suddenly flashed in Li Shimin's eyes. If, according to Merton, the role of the silver ticket is something that no one can ignore.

"Mo Jiazi, you are so bold, not to mention the scourge of Mojia Village, and you dare to promote these harmful banknotes to the world, it is simply heinous." Tobe squire exclaimed.

In fact, the ministers were also in an uproar, and they broke out in a cold sweat for the bold idea of the Mo family.

Merton laughed and said: "Why not, everyone avoids paper money like snakes and scorpions, but Mo believes that paper money is the third generation of currency, which is the general trend of the future and has a lot to do." ”

"The third generation of money, what do you mean by that?" Dai Guan, who had been silent, suddenly spoke.

Morton looked around and said proudly: "This matter is a long story, this is a secret that the Mo family does not pass on, since the matter is now, the Mo family will naturally no longer hide it." ”

"The secret of the Mo family is not passed on!"

Immediately, everyone cheered up and listened attentively, although the Mo family had been silent for thousands of years, but after Moton's continuous propaganda, everyone did not dare to have the slightest contempt for the Mo family.

"Currency, is also commonly known as money, before the three emperors and five emperors, there was no money in the world, at that time, the way of the ancestors was barter, an axe for a sheep, two sheep for a cow, and this kind of transaction is very unstable, if I take a bag of grain, go to the market to exchange, maybe I will run for a day and do nothing, and at this time, money came into being, that is, shells, that is, the first generation of currency."

Li Shimin and Dai Xuan nodded, as for the reason why shells are currency, Merton has explained to them in the Tang silk system with the word shell next to the font.

The other ministers were all people who had applied for poetry and books, and after a little thought, they immediately understood the reason, and it was indisputable that the shell became the first generation of currency, after all, the ancestors had already settled on the text.

Merton continued: "However, the shell has great shortcomings, fragile, small value, not easy to carry, as the ancients continued to trade, continue to explore, and finally found two kinds of metal that are not easy to damage, high value, and easy to cut. ”

"Gold and silver!"

This time the answer came to everyone's minds, and Merton was talking about the familiar gold and silver.

"Yes, gold and silver are the second generation of money." Merton said loudly, "And it is also a well-deserved currency recognized in the world, copper is just an auxiliary currency, the footprints of the ancestors of the Mo family are all over the world, and they have found that almost all civilized countries, their currency is gold and silver, of course, there are many ignorant peoples who are still in the first generation of currency, or the stage of barter." ”

Everyone in the Ministry of Rites couldn't help but nod slightly, which was very consistent with what they knew.

"Here, Mo can reveal to you a good news of making a fortune, because the gold, silver, and copper mines of various countries are rich and poor, and the exchange ratio of the three is also inconsistent, in Datang one tael of gold can be exchanged for ten taels of silver, and in some countries, one tael of gold can be exchanged for at least twenty taels of silver, which is a big business."

"Shhh

Suddenly everyone almost gasped, if what Merton said was true, this method is enough to plunder the wealth of a country, it is not an exaggeration to call it a big business, in an instant, many people were excited, and their eyes couldn't help but cast their eyes on the officials of the Ministry of Rites on the side, if you want to talk about the news of other countries, I am afraid that in addition to the Mo family, only the Ministry of Rites knows best.

Even Li Shimin was also moved, if there was really such a price difference, it would be possible to obtain great benefits without spending a single soldier, which was a temptation that was difficult to refuse for the imperial court.

"The dignified Mo family is now covered in copper stench, and they will give up such heavy profits and make it public to the world." Yu Zhining snorted coldly.

Morton ridiculed: "The Mo family makes money by using the secret skills of the Mo family to benefit the country and the people, but there has never been a hoarding and raising prices. If the Mo family wants to make money, they will only use the goods produced in Mojia Village to get paid, and every money they earn is innocent, and they will never use the second method. ”

Li Shimin also suppressed the desire in his heart, and couldn't help waving his hand: "Okay, I naturally know that the Mo family is a model of a worker, not a businessman who cheats and cheats, but you don't have to divert the topic, let's talk about it for the time being, what's going on with the third-generation currency?" ”

Merton then returned to the subject: "However, although gold and silver are natural money, they are not without their faults, they are too heavy, they are easy to wear, and they are extremely rare. Therefore, most of my Huaxia use gold, silver and copper as currency at the same time, but with the continuous development of society, the problem of money shortage is gradually serious, in addition to the world's love to bury gold, silver and copper coins in the ground, there is also a fundamental reason is the scarcity of gold, silver and copper.

The ministers of the Manchu Dynasty nodded one after another.

"It is conceivable that with the continuous development of Datang, the problem of money shortage will be further aggravated, so the third currency will come into being, that is, paper money represented by silver tickets, which Wechen will call credit currency." Merton took a deep breath and said.

"Credit money!"

The ministers of the Manchu Dynasty suddenly realized that the most important reason why Merton's three bills could be implemented smoothly was probably the credibility of the Mo family and the Mo family.

More of the ministers looked at Merton with a little more solemnity, and the knowledge that Merton said was simply unheard of for them, but it was always by their side.

The problem of money shortage in Datang has always existed, but no one paid attention to it, and Mo Jiazi seized the opportunity to issue silver tickets, which can be said to have been at the forefront of the times.

Merton looked around and said: "The reason why credit money can be implemented naturally also has great advantages, paper money is simple to make, easy to keep, carry and transport, and can avoid the loss of gold and silver in circulation. ”

Everyone nodded, and the popularity of the bill of exchange business in Mojia Village was to see the opportunity of the inconvenience of people in the world to carry money.

However, the civil ministry waiter disagreed: "Lord Mo is just justifying his own wealth, only talking about the advantages, not the disadvantages, if the world follows the example of Mojia Village to open a bank and issue bank bills indiscriminately, once it causes chaos, the consequences are not something you can bear alone." ”

Merton nodded and said: "Then what the adults say is how to do it, if you directly order a strict ban on the issuance of paper money, it is just because of choking and waste food, and my Datang's money shortage will never be solved." ”

The Ministry of Civil Affairs snorted coldly: "It's easy to solve it, the Mojia Village Bank only needs to hand over the cash money obtained by issuing the silver ticket to the state treasury, even if one day, the silver ticket of Mojia Village becomes a piece of waste paper, and the people can also take the silver ticket to the court to exchange, so that the people will naturally not have the slightest loss." ”

Many ministers suddenly calmed down, if Mo Jiazi agreed to this condition, then I am afraid there will be no chance to turn over.

After thinking about it for a long time, Merton nodded slowly: "This is a method, but the bank needs to prepare gold and silver at all times to deal with the people's exchange of cash, and the biggest reason why credit money can be implemented is that these silver bills can be exchanged for cash or buy things at any time." If the Mojia Village Bank cannot exchange the silver bills at any time, let alone the workers of Mojia Village, even the villagers will not agree, and the bank will definitely close down in three days. ”

The squire of the Ministry of Civil Affairs suddenly turned red, and what he planned in his heart was suddenly told by the Mo family, and he was simply embarrassed to see the eyes of the emperor and the hundred officials scrutinizing him.

However, Merton's words changed: "However, although the bank cannot hand over all the cash to the imperial court, it can hand over thirty percent of the cash to the imperial court for safekeeping. ”

"Thirty percent of silver!" Baiguan couldn't help but be stunned, he didn't expect that Merton would take the initiative to hand it in.

Merton nodded and said: "This thirty percent of the cash will be used as a deposit for the silver ticket, so that even if Mojia Village goes bankrupt in the future, the silver ticket in the hands of the people can be compensated by the imperial court to return the three costs." ”

Yu Zhining raised his eyebrows and said, "Three costs?" And what about seventy percent? Will the people bear seventy percent of the loss? ”

Mo Dun suddenly turned around and approached Yu Zhining and said: "At any time, the most silver tickets may only be Mojia Village, it can be said that the risk of Mojia Village is the greatest, and it can be promised that if Mojia Village really goes bankrupt one day, Mojia Village silver tickets will not be exchanged, and the rest of the money can be exchanged for the people, so that the people's losses can be reduced by at least fifty percent, plus the inherent assets of Mojia Village, I believe that the people's losses will be minimized, of course, Mojia Village will not let this day appear." ”

"Fifty percent!" Many courtiers fell into hesitation.

"Do you know why it is to hand over 30% of the cash, one is that Mojia Village needs to leave 70% of the cash to deal with the exchange, and the other is because the amount of Mojia Village to open an account for checks is that there must be a deposit of 30% of the amount, the people believe in the credit of Mojia Village, and Mojia Village also believes in the credit of the imperial court, which is the essence of credit currency." Merton said with emotion.

"Credit!" The officials were silent for a moment, Datang is the most credit-worthy, believing in a promise, and the credit currency represented by silver bills will certainly bring challenges to Datang's credit system, but once it is used well, the benefits will be incalculable.

"And do you know how much is this thirty percent of cash?" Merton's eyes couldn't help but flash a trace of pain.

"300,000 times!"