The establishment of a bank and the issuance of banknotes need to have theoretical support, this is certain, but this theory needs to be born in the process of practice, if you want to come up with a sound set of theories before the establishment, the possibility is not large, and many business methods and related theories, also need to be slowly improved, and finally slowly perfected.

Su Tiancheng and Song Sijun talked relatively more, the establishment of a bank and the issuance of banknotes, the first thing involved is commerce, and the promotion of commerce and trade is huge, Song Sijun has always been in business, and fully played the role of the combination of government and business, so these situations should be familiar, but also to be able to understand the role of the establishment of banks and the unified issuance of banknotes to the greatest extent.

Song Sijun's main responsibility is to be responsible for the establishment of the bank, and he, the right attendant of the household department, basically does not care about other things, including business matters, and hands them over to others, and the focus is on the establishment of the bank.

Song Sijun is not an ordinary person after all, he quickly put forward two suggestions, the first suggestion is that large-scale training must be carried out, that is, to let more court officials understand the significance and role of establishing banks and issuing paper money, so as to ensure that the government at all levels does its best to spread it in all parts of the Great Jin Dynasty, the second suggestion is to summarize the most important role of establishing banks and issuing paper money, so that businessmen and ordinary people can understand the meaning of this, so that when it is implemented, there is less resistance.

This is actually Su Tiancheng's key consideration, when it comes to the establishment of a bank and the issuance of banknotes, which involve a credit problem, the bank must carry out lending business, the situation of borrowing money is not repaid, the bank will definitely enter a dead end, the issuance of banknotes, must be based on the financial resources of the imperial court as a credit guarantee. If the imperial court issued paper money uncontrollably, the economic disaster caused by it was enough to overturn the entire dynasty.

But to summarize theoretically, Su Tiancheng really can't do it, he understands it in his heart, but he can't say it systematically. There is no whole set of theories to explain the importance of this.

In fact, don't talk about Su Tiancheng, even after a few hundred years, there are a lot of debates about currency, even if it is a financial expert, there are a variety of truths.

For example, the theory is that money has no value and does not produce value, but is only used for transactions. There are also theories that money is valuable, and even this most basic debate has lasted for so long, not to mention many advanced theories.

Summing up the role of banks and paper money, Song Sijun was naturally busy.

Song Sijun was also very good, and used his identity as a familiar businessman to convene a number of big businessmen to discuss this matter. In just a few days, a memorabilia was written. handed it over to Su Tiancheng.

After Su Tiancheng watched the recital, he was really convinced, who said that there were no talents in the Great Jin Dynasty.

On April 20, the Great Dynasty was held in the Imperial Palace.

The Imperial Hall is a place where various large-scale ceremonial events are held, and in general, ceremonies that can be held in the Imperial Hall. They are all very large-scale, and the participants are in principle officials of the seventh rank or higher in the capital.

The largest court meeting since the establishment of the Great Jin Dynasty was finally held in the Huangji Palace.

The main content of this meeting was Su Tiancheng's lecture, expounding on the important role of establishing banks and issuing banknotes.

In fact, the emperor insisted on establishing a bank and issuing paper money in a unified manner, and the officials in the court knew about it. It's just that the views have not been able to be unified, summed up, there are still the majority of opponents, but the emperor's wisdom convinces everyone, they all think that as long as the emperor insists on something, it will definitely be successful, it must be a good thing, as for what will be successful, whether there is anything strange in it, there are not many people who study it.

The purpose of today's early dynasty is also clear to many officials, the Ministry of Rites has long been prepared, and several officials in charge of chanting the decree have been preparing for a long time.

The so-called chanting is to read out loud the words spoken by the emperor, because in the early dynasty of the imperial palace, there were too many court officials involved, and the emperor's words were not heard by every official, so the officials who sang the decree ensured that every official who participated in the early dynasty could hear the emperor's will.

The officials above the third rank are all in the main hall of the Imperial Palace, and the officials from the fourth rank to the seventh rank are standing outside the main hall.

After Su Tiancheng entered the Huangji Palace, many officials knelt and bowed, in fact, this ceremony should have been carried out in the Zhongji Palace, but the emperor exempted the ceremony, knelt down in the Zhongji Palace, and came to the Huangji Palace, all the civil and military ministers bowed again, there is no such need, the emperor's majesty does not need to be consolidated by such a ceremony.

After the kneeling ceremony was over, Su Tiancheng stood up and slowly walked down from the top of the Jinluan Palace.

As he walked, Su Tiancheng spoke.

"I would like to thank Song Sijun, the right attendant of the household department, for these truths I want to tell today, and I believe that after I say these truths today, you will be able to understand the important role of establishing a bank and issuing banknotes."

"Let me give you an example, for example, a big family, ten brothers, when they grow up, they all split up, each has a small family, the living conditions of the ten families are different, the elders are very good, especially wealthy, the other nine families, often encounter a lot of difficulties, or run out of food, or not enough silver, and so on, so these nine families often ask the boss for help, or borrow silver, or borrow food, after getting through the difficulties, they also return the silver and grain, how to repay the silver and grain, If you borrow a tael of silver, you will return a tael of silver to show your gratitude, and if you borrow a stone of grain, you will return an extra bucket of grain to show your gratitude. ”

"This situation can go back and forth, if a family is in difficulty, you can go to the boss to borrow money and food to get through the difficulties, this situation, you should have seen it, it is normal."

"What I want to emphasize is that if there is no support from the boss, after a certain family is in difficulty, and cannot borrow silver or food, then it may be possible to step over this hurdle, what will be the fate of waiting for this family, maybe this family will fall and collapse, this kind of situation is even simpler, in the early years of Chongzhen, a large number of displaced people appeared, which is such a situation."

"Maybe someone wants to say, this boss is too rich, is it so rich, aren't you afraid that people will borrow no silver and food to return, well, I will follow this line of thought, if there is no such rich boss, but there is a situation that can arise, that is, the boss comes forward, let all the families, save the silver and food that are not used for the time being, and concentrate them in one place, in this case, if any family encounters difficulties, they can also borrow silver and borrow food, Wouldn't it also be able to solve the many difficulties encountered by encountering the unseen? ”

"Hearing this, you should be able to understand that this boss is the cornerstone of this big family, and the biggest role he plays is to completely stabilize this family, so that no matter what difficulties the family encounters, they can tide over the difficulties with the help of everyone, and the role played by the boss is huge."

"The boss I'm talking about is the bank."

"You can think about it, my Jin court is encouraging the development of commerce and trade, doing business is needed silver, without the support of silver, it will definitely not be able to do it, if at this time, the bank appeared, concentrated everyone's wealth, to help those merchants who encountered difficulties to tide over the difficulties, and these merchants in the predicament, return the silver, and also pay a certain fee, this is not able to make the development of the merchants very good, so that there is no danger of bankruptcy from time to time."

"What role can the merchant play when he develops, the workshop has expanded, and more people are needed to do things, and the common people do things in the workshop, and when they get the silver, they can maintain their lives, they can support their families, and the imperial court can get taxes from the trade transactions, so in this case, isn't it a large area of stability."

"On the contrary, if this bank does not exist, and the merchant encounters difficulties, and cannot borrow silver, what he is waiting for is bankrupt, and he is even unable to pay the wages of the common people who do things, what kind of situation will this be, causing a large area of instability, the merchant himself has no silver, the workshop collapses, and the people who do things cannot get paid, and it is difficult to maintain their lives, at least it is difficult to live a stable life."

"Speaking of which, I believe you all understand that the role of banks is huge, which can ensure the stability of our Great Jin Dynasty, promote the rapid development of our Great Jin Dynasty, and standardize the commercial and trade order of our Great Jin Dynasty."

"Then look at the unified issuance of banknotes, with the support of the bank, especially the huge wealth in the bank to support, the unified issuance of banknotes, it is logical, the bank is directly run by the imperial court, that is, the court and the bank to bear the credit of the bank, do business needs a large amount of gold and silver transactions, if from the bank every time to take out so much gold and silver, how inconvenient, for the same value of banknotes, is not a lot more convenient."

"Of course, I need to emphasize one point in particular, that is, the problem of credit, whether it is the court and the bank, or the merchant, there must be a credit guarantee, the court and the bank are needless to say, if there is chaos, I am afraid it will lead to the collapse of the dynasty, as for the businessman who does not pay attention to credit, he will not only face bankruptcy, but also the punishment of the law......"

The hall was very quiet, everyone listened very carefully, such a simple and clear explanation, anyone could understand, after such a long time, everyone finally understood the role of the bank.

With such an understanding, who would not support the establishment of a bank, as for the unified issuance of paper money, with the guarantee of the court and the bank, there is no need to worry too much, of course, many officials also understand, even if there is a problem with the bank, these officials inside and outside the hall will not have a difficult life. (To be continued......)