Chapter 36: Am I Short of Money?

After Ma Zhou's reminder, Chen Ying found that on each 10,000 yuan banknote, the sexagenary branch was printed on it.

The so-called heavenly stems are nails, B, C, D, E, Ji, G, Xin, Non, and Dec; The earthly branch refers to Zi, Chou, Yin, Mao, Chen, Si, and Wu; Ten stems and twelve branches are matched in turn to form sixty basic units, the ancients used this as the sequence number of the year, month, day and hour, called "Ganzhi Discipline Law", mainly used for timing. The zodiac signs are used to keep track of the year.

Chen Ying shook his head again and again and said: "No, no, you do this, it's too simple, I just need to deposit 30,000 yuan into the money bank and get three 10,000 yuan banknotes, I can deduce that the secret you made, if you want to imitate this kind of flying money, I'm afraid it will be done in less than a month."

Since the advent of money, so has the crime of counterfeiting money. In the era of metal money, imitation was nothing more than mixing precious metals such as gold, silver, and copper with cheap metals such as lead and tin, so as to make huge profits. For example, the five-baht coin, which has been popular for more than 700 years in Chinese history, was not until the fourth year of Wude, when Li Yuan minted the "Kaiyuan Tongbao" to abolish the five-baht coin, which is the largest number of coins minted in Chinese history and the longest circulating time.

However, in the five-baht coin, there are a large number of bad coins, some of which are extremely light, less than two grams, which are half lighter than the five-baht coin, of which the copper-lead ratio reaches five to five, or even four to six, such copper coins, which will be broken with a light break. Relatively speaking, copper coins are fake, but it is not easy to spend them, after all, they are realistic, heavy and sufficient fake money, and the profit is too low.

However, the flying money that Chen Ying created is different. 10,000 yuan, once the fraud is successful, spending it is equivalent to the gross income of 10,000 tons of fertile land for a year. Or the equivalent of the value of one hundred and fifty cows, such a heavy profit is enough to make countless people crazy.

Marx famously said in Capital: "If there is a 10% profit, it is guaranteed to be used everywhere; With a 20% profit, it becomes active; With a 50% profit, it takes risks; For the sake of 100% profit, it dares to trample on all human laws; With a 300% profit, it dares to commit any crime, even the danger of hanging. ”

Make 10,000 pieces of flying money, and the profit is more than 10,000 times. In fact, the production of such a flying money, plus the investment in the early research and development of improved papermaking technology, is only two or three yuan on average, and the profit is more than 3,000 times, which is much higher than the profit of drug trafficking.

At that time, the only way to deal with such crimes was to use severe penalties as a means of intimidating forgers if they were discovered. Paper money is easier to counterfeit. After the French Revolution, bonds secured by confiscated ecclesiastical estates were issued as substitute notes. In order to sabotage the French economy, the British government used to counterfeit the currency (and stipulated that private counterfeiters of French banknotes would be punished by death).

It was also one of the first economic warfares. During World War II, Germany used to counterfeit large quantities of British and American banknotes in concentration camps. There are also records of counterfeit banknotes from private individuals or criminal organizations.

Even if you think about it from another perspective, if someone makes this kind of flying money, Chen Ying will do whatever it takes to develop this kind of flying money, and the profits in it are far more profitable than him making armor and smelting steel, even if it is salt, except for robbery, there is nothing higher than this profit.

Originally, Chen Ying had printed banknotes once, which were consistent, two, five and ten denominations, but whether he issued them to the left and right guards, the left and right guards and soldiers as military salaries and rewards, or in the form of pledges, loans to the poor people in Henan Province, but these people did not want to believe that such a thin piece of paper could represent ten or five money, they were all after getting the banknotes, they spent them quickly, and they definitely did not put them in their hands.

Because the credit system of paper money was not successfully established, the last promotion can be said to have failed. After the lessons of the last failure, Ma Zhou decided to start from big to small and start slowly.

Ma Zhou explained with a smile: "The use of flying money, there is also a set of passwords, only if the password is correct and there is no mistake in flying money, you can withdraw cash." In addition, it takes a month for the cash deposited in the bank to be deposited and withdrawn from other places. ”

Hearing this, Chen Ying breathed a sigh of relief. This is equivalent to the deposit book of the later generations, and you can't withdraw money just by getting the passbook to the bank, and you must cooperate with the password. Such a password is in the hands of the bank and the user, and once the password is not matched, the bank will not pay or deposit. In order to avoid the occurrence of counterfeiting.

There is no way to share all the messages in a timely manner for a month.

Of course, the biggest difference between a bank and a bank is that a bank can prosper the market economy, while a bank does not have this function, and is just a tool for private profit.

Although the user is troublesome and the storage is inconvenient. However, considering that in this era, users who can come up with 10,000 yuan will definitely not be ordinary people, Chen Ying still agrees with Ma Zhou's approach.

Like the special paper of later generations, offset embossing, watermarking, magnetic ink, metal security thread, ultraviolet fluorescent marking, color-changing ink, front and back pattern printing and other technologies, in Chen Ying's era, there was no way to use it at all, you can only think about it.

Using this primitive anti-counterfeiting mark, due to its low efficiency, it certainly cannot be compared with the real convenient and fast banking system, and the key is that Chen Ying does not understand it.

Chen Ying thought for a while and said: "For the time being, we can only use this method to deal with, and we will definitely change it in the future, within our money village system, we must pay attention to cultivating talents, and the business of the money bank should be all over the country, and it is likely that it may be opened all over the world!" ”

Chen Ying even appeared in his mind that in the future, the whole world will recognize the banknotes issued by Datang Tongli Money, and Chen Ying can become the world's top rich man even if he does not become an official in the future. Even if you find an island, or an undeveloped continent, you can completely close the door and be your own king.

However, this is just a thought.

Ma Zhou said: "Lord, then we need to buy more people in our house, preferably seven or eight years old or eleven or twelve-year-old boys, children of this age, their minds are not opened, they are like a blank sheet of paper, training for three or five years, you can stand alone, although the investment is larger, you can use it with confidence in the future." ”

Chen Ying is a modern person, and he has a concept in his heart that he cannot shake. Everyone is equal, of course, this equality is only relative, Chen Ying really doesn't want to be a slave owner. Chen Ying shook his head and said: "Forget about buying people, the Chen Mansion does not raise slaves, from the craftsmen in various workshops or the maids and servants in the mansion, it is an employment relationship, as long as they don't want to do it, they can completely leave." ”

Ma Zhou smiled bitterly: "Lord, there are too many secrets in our bank, that is, now, our bank has absorbed a lot of deposits, if it continues to develop according to this momentum, it is expected to exceed two million by the end of the year." Don't talk about the secret, once you let His Majesty the Emperor know that there is so much money in our bank, I'm afraid His Majesty the Emperor won't be able to sleep. ”

Ma Zhou's words are not unreasonable.

Chen Ying was not unaware of the financial difficulties of the Li Tang court.

Li Yuan is now demolishing the east wall to make up the west wall, just filling this hole, another new hole will appear soon, if he knows that Chen Ying has so much money, no matter whose money it is, for Li Yuan, it can be borrowed. The key is that the money bank, that is, the bank of later generations, has too many loopholes in it, if there is collusion between the inside and outside, Chen Ying can be sold, and Chen Ying also helps others count the money.

Thinking of this, Chen Ying's head flashed with inspiration.

Why don't you open an orphanage?

Anyway, the purpose of opening Pok Oi Hospital is to make money on the one hand, and on the other hand, to manage contacts. What's more, helping people in need, even if one in a thousand people can repay, then the benefit will be 10,000 times higher than the investment.

If it weren't for Hou Mo Chen's sponsorship of Ma Zhou, would Ma Zhou have played for Chen Ying?

The answer is yes.

Ma Zhou was born in poverty, and he felt more deeply about the difficulty of survival of poor families.

Thinking of this, Chen Ying said: "Otherwise, I will pay to build an orphanage, take in the children without father and mother, teach them to read and write, teach them a skill, they can make a living, and they can also work for the Chen family!" ”

Ma Zhou was stunned when he heard this, frowned and said in a low voice: "Lord, I'm afraid the investment in an orphanage will not be small." ”

Chen Ying smiled lightly and said, "Am I a person who is short of money?" ”

Ma was speechless on Monday.

Chen Ying is really not short of money. Although he gave all the smelting workshops and weapons workshops to Li Yuan, Li Yuan reciprocated the favor and kept Chen Ying's carriage workshop, and also gave Chen Ying the green light.

Of course, these industries do not see benefits for the time being. But once the benefits are generated, it will be a big business.

PS: I don't sleep today, write another chapter. Add a monthly pass, but it will be late!