"Okay, let's get down to business, this matter about the bank, it's up to Qingquan to talk to everyone in detail, if you think this is a good method, then you can give me a break tomorrow morning." Li Er looked at the people who had already arrived at the scene and said.

"No problem." After Zhang Nan finished speaking, he introduced the theory of banks to Comrade Li Er. After listening to Zhang Nan's theory, all the people present showed thoughtful expressions on their faces.

Now the people who can appear in Comrade Li Er's imperial study, none of them are stupid, on the contrary, they are all smart and tight, although these people know about the bank for the first time, but what Zhang Nan said is also easy to understand, and soon everyone knows how much benefit such a thing can get for Datang.

"What do you think?" Li Er took a sip of tea and asked.

"Cui Shao, you are the head of the household, tell me, how is this thing?" Li Er saw that no one stood up for a long time, so he asked directly by name.

When Cui Shao heard Li Er's roll call, he stood up and arched his hand and said: "If you go back to the emperor, if this bank can really be promoted in my Datang territory, and as Qingquan said, it attracts a large number of people to save money, then my Datang's treasury will have a large amount of income." ”

"This money is the people's, not Datang's, you must not treat the people's money as the money in the treasury, we are just making a spread." Zhang Nan said. Zhang Nan thinks that it is still necessary to remind these people that this is all the money of the people, although this money can make money, but this is definitely money that does not belong to the treasury.

"Of course this old man knows, what the old man is talking about is the interest rate difference in Qingquan's mouth." Cui Shao arrived.

"Mowgli, what do you think of this bank." Li Eryou twisted his face and asked the eldest grandson Wuji, who was standing aside.

"If you go back to the emperor, this method is good, but there are still some shortcomings in this bank." The eldest grandson Wuji said.

"Oh? What does it fall short of? Let's talk about it. As soon as Li Er heard that the eldest grandson Wuji was able to tell the shortcomings of the bank, Li Er immediately became interested, in Li Er's opinion, this bank is very good, at least he didn't see any shortcomings.

"Back to the emperor's words, the minister thinks that the most deficient place in this bank is to save money and withdraw money, of course, ordinary people don't talk about it, what the minister said is that Qingquan wants them to make money businessmen. You know, if the real bank is set up, some big businessmen want to save money, but it is a very troublesome thing, every turn, this is just counting money, it is a very difficult thing, not to mention transportation, and this thing is stored in the warehouse guarding is also a troublesome thing, you know, if the amount of money is huge, if there is a little less inside, it will not be found out at all. The eldest grandson Wuji said.

After listening to the narration of the eldest grandson Wuji, Li Er also began to think about it, indeed, Li Er really didn't take into account the problem of copper coins, and Zhang Nan also thought about it, at least before the eldest grandson Wuji talked about the copper coins, Zhang Nan didn't expect it.

Because when it comes to banks, Zhang Nan subconsciously comes up with pen and paper, as well as advanced digital transactions, without considering what tens of thousands or even hundreds of thousands of dollars look like there.

"That's right, although Chen also thinks that the bank's idea is good, but it is also a little difficult." Fang Xuanling also smiled.

"Qingquan, don't you have anything to say?" Li Er glanced at Zhang Nan, who had not spoken for a long time, and asked.

Hearing Li Er shouting his name, Zhang Nan came back to his senses and hurriedly said, "Ah, Chen was thinking about how to solve this copper coin problem just now." ”

"Oh? Did you think of that? Li Er asked with interest.

"When I think about it, it's actually quite simple." Zhang Nan said.

As soon as Li Eryi heard Zhang Nan think of it, an expression of disbelief suddenly appeared on his face, and then he said, "Then tell me how to solve this problem?" ”

"Does the emperor remember what the minister said about the value of coins?" Zhang Nan asked.

Looking at the blank expression on Li Er's face, Zhang Nan knew that Li Er didn't take what he said to heart at all.

"In short, this penny is worth a penny, right, Your Majesty?" Zhang Nan continued to ask.

"Nonsense, of course it is."

"Then if a penny can buy a biscuit, then can we also think that the value of this biscuit is this penny?"

"That's right."

So why don't we substitute the pancakes for a penny? What about exchanging the usual money for 1,000 pancakes? Zhang Nan said with a smile.

", how can you make money for baked cakes? Haven't copper coins been used since ancient times? Li Er also answered Zhang Nan's question very concisely and clearly.

"Does the emperor know how these ancient people bought things?" Zhang Nan asked.

"This ...... I really don't know, but I think it's just bartering. Li Er thought for a while and said.

"That's right, it's barter, the two sides of the transaction took out goods of equal value for exchange, of course, the ancient people would still use shells to trade, so according to the emperor's words, shouldn't we still trade shells now?"

"The reason why copper coins will replace currency is because this thing is very inconvenient and it is not easy to determine its value, so there is such a thing as currency, and the hard currency that gives this currency value is gold." Zhang Nan said.

"Gold?" Li Er was a little puzzled, he was talking about the problem of currency and copper coins, why did he suddenly get involved in gold?

"That's right, it's gold, and you know, Your Majesty, that when you reward your ministers, you choose to reward gold instead of a large amount of copper coins, right?" Zhang Nan continued to ask.

"Yes, for the amount of copper coins is too great, and it is better to give them the same amount of gold. Ah, I see what you're trying to say. You're trying to tell me that it's because these copper coins can be exchanged for gold, a hard currency, that they're valuable, right? Li Er said with a smile.

Li Er's thinking was still very agile, and soon Comrade Li Er knew what Zhang Nan was trying to express.

"That's right, that's what it means, even if the currency is different, but if they can buy gold, then they are valuable, so in disguise, gold is their value."