Quan Yun cleared his throat, looked at Qin Feng, and said: "Your Majesty, according to the estimation of the Ministry of Households, my income from taxes and fees next year will fluctuate between 40 million taels and 60 million taels, so the total amount of paper money issued this time is 20 million taels, and within three years, the conversion from metal currency to paper currency will be gradually completed, and during these three years, Daming still allows metal currency and paper currency to circulate at the same time." Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ”

"Shoufu's policy is the way of the old man to hold the country, to avoid the risk of all the quality exchange at one time, which I agree. But when a new thing appears and everyone accepts it, there is always a process, and the heavy gold, silver, and copper coins in their hands are suddenly replaced by this kind of fluttering paper, and it is understandable for everyone to mutter in their hearts. Qin Feng shook the paper ticket in his hand and made a rattling sound. For how to promote the use of paper money, so that the people willingly use him, the first assistant can have a plan? ”

"Of course!" Quan Yun owes his body, "Officials are the shares of the country, the food of the country, naturally they must be loyal to the king, for the king's worries, since the date His Majesty signed the decree, the official's salary will be directly issued paper money and no other will be issued, officials are the elite of the country, as long as they start to use, they have a certain diffusion effect." The second is the army, the annual expenditure of military salaries is the largest part of the financial expenditure, I now have more than 50,000 regular field troops, and the annual salary totals more than five million taels, which will also be paid with paper money, plus the salary of the county soldiers in various places, their salaries are lower, but there are also millions of taels in total, these two are added, in fact, it has consumed the vast majority of the amount of paper money we issued in the first year. ”

"Well, officer, the army is indeed an effective way to demonstrate." Qin Feng smiled: "But what if the merchants on the market refuse to accept these paper currencies? ”

Su Kairong said: "Your Majesty, don't worry too much about this, the household department has been prepared for this, from the date of the promulgation of the decree, my Ming taxes, taxes, fees, the first year of metal currency and paper money are half each, the second year this proportion will rise to seventy, the third year will only accept Ming banknotes, others are no longer accepted, whether it is a business, a farmer, they want to pay these taxes, they must use paper money, so Your Majesty does not have to worry about them not use." ”

Ge Qingsheng, the secretary of the Ministry of Industry, interjected with a smile: "Your Majesty, there will be many projects in the Ministry of Industry next year, but whoever undertakes the various projects of our Ministry of Industry, we will only pay paper money, and if you want to do our business, you must accept our conditions." ”

Wang Yueyao said: "The stall here of the Commercial Department is too big, and the money involved is tens of thousands, so we adopt the slow progress strategy of the household department, but everyone who deals with us and does business must also accept paper money." ”

Qin Feng frowned slightly, "It's a good way, but I have a question, this tax is collected almost every day, and the banknotes we issued in the first year are only one-third of the annual income, so it is obvious that paper money is in short supply, and it takes a while for these banknotes to be put into circulation, for example, I went to a merchant today to collect taxes, but he does not have banknotes in his hand, so what should I do?" According to Su Shangshu, half of the first year must be paid with paper money, this opening must not be loosened casually, you loosen a foot, and you may eventually loosen a zhang, if you don't do it well, it will exist in name only, and the paper money policy will collapse. ”

"Your Majesty is extremely worried, and we also have a countermeasure for this." Quan Yun smiled: "First, from the date of the promulgation of the banknote circulation decree, Daming Taiping Bank will also be officially opened, and Taiping Bank has a business, which is to redeem banknotes. As I told Your Majesty earlier, officials, the army has consumed almost seventy or eighty percent of the banknotes, but there are still millions of taels of banknotes, which will eventually go to the Taiping Bank, and whoever does not have banknotes to pay taxes can go to the Taiping Bank for exchange. ”

"Taiping Bank!" Qin Feng nodded, this was made by Wang Yueyao.

"This time, the decree is only carried out in the county towns for the time being, that is to say, it is to promote the county towns and Yuejing City as a pilot, the county town is the economic center of each county, and has a great influence on the surrounding counties, as long as the work is carried out smoothly in the county town in the first year, then it can be smoothly promoted to the county in the second year, and in the third year, it can be carried out in all parts of the country logically. Taiping Bank, under the jurisdiction of the Commercial Bureau, has set up branches in all counties and towns across the country, and since the promulgation of the decree, Taiping Bank has officially started business with the outside world. ”

"There are outlets in various counties, Yueyao, you are so generous, and your hands and feet are also tight!" Qin Feng looked at Wang Yueyao appreciatively.

Wang Yueyao chuckled and said: "Your Majesty has praised it, there are already various industries distributed in various counties under the Department of Commerce, and this time, Yueyao has just transferred some people from these industries to set up the team first." This time, the Ministry of Household allocated a huge amount of 5 million as the start-up capital of Taiping Bank, which is a huge amount of money for our Commercial Department, even if it is not eating, drinking or sleeping, Yueyao has to handle this matter well. ”

"Lord Wang, Taiping Bank is also Ming's, and I'm just transferring it from my left pocket to my right pocket." Su Kairong said dissatisfiedly on the side.

"That's right!" Wang Yueyao covered her mouth and chuckled. "This time, Su Shangshu transferred hundreds of officials who are proficient in money for Taiping Bank, so that we can carry out our work smoothly, and the Commerce Department is grateful to Su Shangshu."

Qin Feng laughed when he heard this, Su Kairong was worried about his son, but this time he spared no effort, and even used his strength to breastfeed. "Shousuke only said one thing just now, I don't know what the second one is?"

Quan Yun coughed lightly: "Your Majesty, next year's estimated tax may reach 60 million, but the paper money is only 20 million, but according to the policy of the Ministry of Households, the paper money should be 30 million before it can be used, it is obvious that as long as the tax fee next year really reaches 60 million, the paper money will obviously not be enough." ”

"Additional issuance?" Qin Feng asked.

"Of course not!" Su Kairong said: "Your Majesty, when the time comes, the paper money will not be enough, but to pay taxes, half of the paper money must be used, which will cause a shortage of paper money, in the final analysis, paper money is also a commodity, for example, the minister has to pay a tax of one hundred taels today, and the paper money needs fifty taels, but I only have forty taels in my hand, so what should I do?" ”

"Go to Taiping Bank to redeem."

"What if Taiping Bank is gone?"

Qin Feng spread his hands, indicating that he couldn't think of it.

"The minister must think of other ways to find someone else to exchange." Su Kairong showed a strange smile on his face: "Your Majesty, if I go to find someone to exchange, it will definitely be impossible to exchange the original value, it will definitely have to be increased, and rare things are always valuable." This creates a premium on paper money, which is worth more than the same amount of metallic currency. ”

"In this way, it is conducive to the promotion of paper money, no wonder you only issue a third." Qin Feng smiled: "It turns out that this idea was beaten. ”

"Your Majesty, Su Shangshu doesn't mean this." Wang Yueyao chuckled: "This is a big business for the imperial court. ”

"Well, where does that begin?" Qin Feng looked at the two of them puzzled.

Wang Yueyao knew that even if Qin Feng read the money theory, he probably wouldn't be able to figure out the twists and turns in it, so he told Qin Feng in detail at the moment, and Qin Feng suddenly realized.

"In this case, will it not become the wealth of the people?" Qin Feng said in surprise.

"Your Majesty, the issuance of paper money is itself a righteous and bright way to plunder money." Su Kairong smiled: "In fact, it's not just paper money, even the issuance of copper coins is the same reason, but the cost of paper money is lower." ”

"It's not a low cost now." Kwon Yun interjected on the side.

"At the beginning, the cost is naturally high, but as the technology matures step by step, the number of banknotes issued is increasing, and the cost is almost negligible compared to the profit." Su Can hurriedly came over to defend himself, "The current cost is high, mainly because our technology is still flawed, but I am confident that these problems can be completely solved in one to two years." ”

Listening to everyone's words, Qin Feng touched his chin and said thoughtfully: "Shoufu, I suddenly have an idea, you said that if we circulate paper money in our own country, if we can also circulate it in other countries, for example, in Qin country, the Qin people also think that our money is easy to use, and think that our money is valuable, then will they also use our paper money, if they also use our paper money, wouldn't it be ......?"

Su Can pointed his big head on the side as if he was pecking rice, "Your Majesty Shengming, Your Majesty is wise, if we can really do this, then we will make a big deal." When the time comes, we will use this fluttering paper in exchange for the real gold, silver and bronze of the Qin State. ”

"More importantly, it can be used to control the economy of the Qin State." Quan Yun said lightly: "At that time, if we want him to rise, the prices in Qin's country will rise, he will rise, if he falls, he will fall, if he collapses, he will collapse." In fact, isn't it just the Qin State, the Chu State, and the Qi State that are not like this? Of course, the premise is that we want to make them like to use our banknotes and feel that our banknotes are worth more than their own metal money! ”

"It's not easy to do that!" Qin Feng shook his head again, "Everyone has this matter in their hearts, Su Can slowly pondered after going down, the most important thing now is to complete our Ming Dynasty's monetary reform first, lay a solid foundation, and then come to the top of the house!" ”

"Your Majesty is right!" Quan Yun stood up, walked to the side of the big case, presented the will that had already been prepared, and slowly spread it out in front of Qin Feng, "Please use the seal for Your Majesty." ”

"Grandpa Le!" Qin Feng also stood up and glanced sideways at Grandpa Le on the side.

Father-in-law Le immediately turned around and carefully held the seal. Qin Feng took the big seal, held it high, and covered it with a snap.