(Thanks to the book friend 66226633 for the tip.) ）

In the surprised eyes of everyone, Su Jin talked about the thoughts that he had been thinking about for a long time in his chest: "The money in circulation in my Great Song Dynasty is mainly copper coins, although the copper coins are light and thin, but it is still very troublesome to use in large quantities, always thousands, weighing more than five catties, ordinary strong men, carrying thirty or fifty times is already a very heavy burden, because of this, every time you go out with money, you must hire a dart bureau to escort you, mules and horses are also essential, waste of human and financial resources in vain, no money to worry about, money is also troubled, isn't this a strange thing?" ”

Yan Biyun suddenly said: "Do you want to learn from Yizhou in the first year of the Heavenly Sage and issue Jiaozi?" ”

Su Jin was stunned for a moment, and suddenly remembered that the Song Dynasty had issued the world's earliest paper money, called 'Jiaozi', if Jiaozi was feasible, wouldn't his idea be useless, people carrying paper money to shop, isn't it easy and pleasant?

But since Jiaozi is so convenient, why has paper money not prevailed in various parts of the Great Song Dynasty since the first year of Tiansheng, but still using bulky copper coins as the currency of transactions?

"The slave family heard my uncle talk about it, in the first year of Tiansheng, under the suggestion of Xue Tian and Zhang Ruogu, the Yizhou transfer envoys, the imperial court set up Yizhou Jiaozi in Shudi, and issued official Jiaozi of different face values for trading, what you mean is a bit like the meaning of issuing Jiaozi to follow their example." Yan Biyun said.

Su Jin waved his hand and said: "No, what I said is different from Jiaozi, in fact, it is also a good way to issue Jiaozi, but since the official Jiaozi has been issued for 16 years, copper coins are still used as a means of circulation in various parts of the Great Song Dynasty, and it is obvious that the issuance of Jiaozi is not successful; I'm afraid the people don't want to use it, right? ”

Yan Biyun said: "You are right, the imperial court was originally due to the lack of copper in Shu, and the local iron money was minted instead of copper money, iron money is not only cumbersome, but also the value is quite low, and the value of iron money has always been only worth copper money, and the private merchants and people in the state capitals outside Yizhou do not recognize the value of iron money, and the court is unable to transport copper money to Shu for unified replacement, so it will be a kind of spontaneous civil Jiaozi to the imperial court for issuance; However, the imperial court did not prepare the corresponding exchange mechanism, and the people could not exchange real coins after getting the Jiaozi, and over time the Jiaozi lost their credit, so that the users Liao Liao, the people complained, and a good thing became a bad thing. ”

Su Jin said: "Then aren't these handed over to become a piece of waste paper?" ”

Yan Biyun said: "Yes, the later Jiaozi is almost a piece of waste paper, and the imperial court does not know who to follow to issue a new Jiaozi to replace the old Jiaozi; In order to alleviate the pressure on the imperial court to exchange copper coins, it was stipulated that the new Jiaozi should be exchanged for the old Jiaozi Wujiao, which led to a sharp decline in the credibility of Jiaozi and a sharp depreciation of Jiaozi; After the official family stopped exchanging, a new Jiaozi could only exchange 100 copper coins in the market, which almost made a leak. ”

Su Jin scolded: "Isn't this nonsense? At that time, it shouldn't have been Lord Yan in charge of the three divisions, and such a foolish idea could be thought of, isn't this a disguised search for the people's ointment and drinking to quench their thirst? Is the Jiaozi service still there? ”

Yan Biyun said: "It's still there, the two roads in Beijing, West and Shaanxi are also included in the scope of Jiaozi's use, and when the imperial court's finances are tight, it will issue Jiaozi apportionment, promising to return it with a three-year and five-year period, but even if these Jiaozi are exchanged back after three or five years, it is a big loss, so the year before last, Shaanxi also had a storm. chaotic, my uncle canceled the performance several times, but was refuted; As you say, this is indeed drinking to quench your thirst. ”

Su Jin understands that this is the imperial court's disguised use of Jiaozi as a kind of treasury bonds, and when it comes to the exchange period, inflation will be destined to depreciate these Jiaozi at a loss.

"Jiaozi as a banknote issuance must have sufficient reserves to achieve credit, should be free of exchange, and there should be measures to ensure the value, the big country to play these careful eyes, isn't this nonsense?" Su Jin was speechless.

"What's the big boss's solution? But don't be associated with these things, this is a pit man. Zhang Rongqin said.

Su Jin said: "The method I said has nothing to do with the imperial court, the common people don't believe in virtual things such as Jiaozi, so we also let the people trade copper money, just set up silver banks in commercially developed places around the country for free exchange, and this problem will be solved." ”

"Ginzhuang? Free exchange? Everyone was dumbfounded, they had never heard of these words, they were all like falling into the clouds, and they didn't understand what Su Jin meant at all.

"Originally, I wanted to call it a bank, but Yinzhuang sounds more domineering, let's call it Yinzhuang; The principle of operation is very simple, for example, I Su Ji in Bianliang and Luzhou, Yingtianfu three places to set up a silver village, there are Luzhou merchants to the capital to purchase goods, then he only needs to deposit the required money into my Luzhou set up in the silver village, I silver village to show the bill, this person only needs to carry the bill on the road, to the capital with the ticket from the capital Su Ji silver village to withdraw money to buy goods; If the capital can't buy it, this person can take the bill to Ying Tianfu to buy, and the bill is as valid, don't you say that this is extremely convenient? ”

The people present were all dumbfounded, this idea was simply too wonderful, and a new world seemed to appear in front of everyone's eyes, if it could be achieved at this time, it would naturally be a great thing, Yan Biyun and the shopkeepers invariably began to construct the scene described by Su Jin in their minds, and for a while the flower hall was silent.

"What? Won't this work? Su Jin looked at everyone's expressions and was a little uncertain, in his memory, this form of exchange was only available in the Ming Dynasty, why the Song Dynasty failed to develop Su Jin couldn't figure it out; In short, since the Song Dynasty did not have this form of exchange bank, there must be his reason, either it does not have the basis for production, or there are other constraints, but Su Jin believes that it is precisely because the Song Dynasty does not have a money bank that it is possible for him to do this, and the return brought by this matter will be extremely rich.

"Papapa" Yan Biyun applauded softly, looking at Su Jin with a smile in her eyes, her eyes were full of admiration.

All the shopkeepers also applauded, Zhang Rongqin got up and arched his hand: "The old man did not throw himself into the big boss until this moment, and I thought that the big boss relied on his brain to live, plus good luck, he could lead Su Ji back to life, but now it seems that the big boss is a wonderful flower in business." Old decay worship! ”

Su Jinxin said: "You are wonderful, your whole family is wonderful!" ”

"It's a really good idea, but the slave family has some doubts." Yan Biyun pondered for a while.

Su Jin smiled and said: "Ask quickly, I will answer the answer in my stomach, just wait for you to ask, and as soon as you ask, it will be feasible to explain this matter." ”

Yan Biyun glanced at him and said quietly: "First, it is naturally convenient to open this kind of silver village, but where does Su Jili come from?" ”

Su Jin raised his thumb and said, "It's not a loss, it's Yan Dongjia, and he asked the idea in one sentence." ”

Yan Biyun blushed and said angrily: "Answer quickly, don't say it's useless." ”

Su Jin knocked on the table and said, "Where does the profit come from?" Naturally, it comes from the customer, as long as an interest rate is set, and a proportional amount of profit is withdrawn from it; Dart protection is both far and near, and how much, the charge is naturally very high, and this kind of silver village only to the amount of money and silver exchange as a base, on this basis according to the low rate of the tariff, than the dart board escort to save I don't know how much money. ”

Everyone seemed to understand, and Su Jin had to give another example: "For example, Yan Dong's family wants to exchange 1 million guan from my Su Ji Yinzhuang to come to Luzhou, if you ask the dart bureau to pay about 2,000 yuan for the dart board, it's about the same, right?" ”

Yan Biyun nodded and said: "Two out of a thousand within a hundred miles, two or five out of a thousand within five hundred miles, three or even five out of a thousand out of five hundred miles. No, if you calculate that Luzhou will pay about 3,000 yuan to the capital. ”

Su Jin said: "Three thousand guan, it's not a small amount, but if you exchange it from Yinzhuang, no matter how far or near, take one out of a thousand, as long as you pay a thousand guan, you can take out this million guan anywhere at any time, and I don't need to explain which of the two is better or worse." ”

Everyone buzzed and discussed, nodding their heads again and again, if there is such a good thing, who will spend money on the dart game again, not only does it cost a lot of money, but it is also very slow, and the money is even halfway when people arrive for a few days; Besides, the dart game is not foolproof, and the robbery of the dart is still over, and then it will be involved in endless lawsuits to recover the money, not to mention the delay in business, and it is uncertain whether the money can be compensated back.

Su Jin continued: "The benefits are not only here, if someone has thousands of dollars at home for fear of stealing and robbing, then he can deposit the money in the silver village, and the silver village will keep it on his behalf, not only will we not collect the money, but will pay them interest according to the length of time they have deposited." ”

Zhao Da shopkeeper said: "Isn't that a loss of money?" Where to make money? ”

Su Jin said with a smile: "You don't understand this, the interest distributed is naturally not high, 10,000 yuan a year to give 10 yuan and 15 yuan; But think about it, how much money can we make if this 10,000 yuan is in our hands? Zhao Da shopkeeper, if I give you 10,000 yuan, according to your ability, you can do whatever business you do, how much can you earn in a year? ”

Zhao Da shopkeeper said: "If you are old, you will earn him more than a thousand times." ”

Su Jin laughed and said, "Let's give a discount, five hundred guan will definitely be earned, right?" We earned 500 yuan, and distributed 15 yuan to the owner who saved the money, shouldn't that be? We're still holding on to the big head. ”

Everyone suddenly realized: "Oh, it turns out that I used other people's money to make money for myself, and at the same time took some sweet water to wipe their mouths." ”

Su Jin smacked his lips and said: "Don't say it so directly, this thing is called 'win-win', the rich people have no use for their money at home, and they can't make money, and they are still worried; ”

Everyone looked at Su Jin's eyes close to worship, and Yan Biyun was also deeply shocked by Su Jin's whimsy, but she was not lost for the time being, there were still many question marks in her stomach, and she was looking forward to Su Jin giving her an explanation.