The situation that Su Tiancheng expected really appeared.

Starting from the sixth day of the sixth month of June, the piece of paper with a bank deposit certificate has become a symbol of glory in the capital, a large number of gold, silver and jewelry began to enter the bank, this glory slowly began to penetrate into the periphery of the capital, the gentry and wealthy families and businessmen are needless to say, even ordinary people, they are trying their best to enter the bank, deposit a few taels of silver, get a bank deposit certificate paper, fortunately, the size of the bank does not refuse, no matter how much is saved, the deposit certificate will be issued.

These certificates of deposit were carefully kept, but the officials of the bank said that this certificate of deposit is equivalent to silver, and if there is any need, when you come to the bank to get the gold, silver and jewelry, you must still have the deposit receipts, if you accidentally drop it, someone else takes it, and you take it to the bank to get the gold, silver and jewelry, then it may cause losses.

Although it is said that having a certificate of deposit has become a symbol of glory, no one takes it out to show off, unless it is those young people who are ignorant, sometimes take out the certificate of deposit to show off, but after such a thing is spread, young people will encounter the lessons of the elders in the family, the so-called wealth is not exposed, if you show off in front of outsiders, it is not looking for your own death.

Su Tianhao and Song Sijun were finally relieved.

The news from Shandong is the best, mainly the largest shipping terminal of the Jin Dynasty, in Laizhou, so the flow of gold, silver and jewelry here is very large, it is much more convenient to have a bank, and a lot of gold, silver and jewelry are deposited in the bank, and when trading, you can even go directly to the bank.

The situation in Nanjing was also very good, and there were many people who stored gold, silver and jewelry, which also came from the leadership of the officials, and the gentry and wealthy families and merchants competed to store in the bank.

In other places, although the situation is not as hot as in Beijing, Shandong and other places, many people know that there are banks in Ludao. It is the most reassuring to keep your gold and silver jewelry in the bank, not to worry about being stolen, and not to worry about where to hide the gold and silver jewelry all day long, and the bank also keeps personal secrets, and others do not know how much gold and silver jewelry you have stored.

The thing about unifying banknotes. It doesn't go as smoothly as a bank opening.

All the officials of the Great Jin Dynasty, the June of Yulu, all of them are issued banknotes, these banknotes have a fixed face value, the largest banknote is equivalent to one tael of silver, the smallest banknote is equivalent to a copper plate, the denomination is divided into ten categories, the face value is one copper plate, two copper plates, five copper plates, ten copper plates, twenty copper plates, fifty copper plates, one hundred copper plates, two hundred copper plates, five hundred copper plates, five hundred copper plates. A thousand copper plates, of which a thousand copper plates have a banknote denomination, which is equivalent to one tael of silver.

The officials got these banknotes, although they didn't say anything, but they still muttered a little in their hearts, people who are a little familiar with history are knowledgeable, and the Jiaozi that appeared in the Northern Song Dynasty is equivalent to paper money. But in the end, Jiaozi ended in a bleak ending, because the imperial court was unable to control the circulation of Jiaozi. When the imperial court needed to use silver, it used the power in its hands to issue Jiaozi indiscriminately, which led to inflation, and Jiaozi lost its own value and became waste paper. In the end, it also caused the imperial court to lose its credibility.

Will there be such a situation in the Great Jin Dynasty?

To say that there are still people who are familiar with the rules of Jiaozi issuance, the Great Jin Dynasty issued banknotes, at least a deposit, so as to stabilize prices, and the issuance of banknotes must be strictly controlled. Otherwise, prices will skyrocket, after all, things such as paper money are printed by the imperial court, and the cost is not very high, and they can be printed in large quantities.

But despite muttering in my heart, the banknotes have been issued, from the prime minister to the ordinary officials, all they have received are banknotes, and no one can be special.

However, there are very few people who understand the connection between the bank and paper money, the guarantee of the imperial court, that is, the huge amount of gold, silver and jewelry stored in the bank, with these deposits, the paper money will not be a problem, of course, the issue of the size of the paper money issuance, must be controlled in accordance with the law of economic development, otherwise there will definitely be a big problem, if the paper money loses its own marked value, the credibility of the court will also be lost.

From this point of view, the imperial court must be very cautious.

It is very different from the opening of the bank, the paper money began to spread silently, the officials got the paper money, it must be used, these paper money are issued by the imperial court, strict printing measures have been taken, it looks very exquisite, it is almost impossible to imitate, besides, the court has very strict measures, if anyone dares to counterfeit paper money, the punishment faced is extraordinary.

Unlike going to the bank to store gold, silver and jewelry, the use of paper money, first of all, those at the lowest level, they mainly rely on the money to live, although the money is much higher than before, and the court has also made clear the income of the officials, and the Ming court is different, many officials of the Ming court, there is no money, but these officials are by no means rich, the monthly money is to be used, and it is impossible to save much gold, silver and jewelry.

It was the banks that prompted the widespread circulation of paper money.

Some merchants are very worried after getting the banknotes, I don't know if this kind of exquisite paper will suddenly have no effect, or the banknotes worth one or two silver, greatly depreciated, and the final value is only a few copper plates, so after getting the banknotes, they began to go to the bank to store, they think that the bank's deposit certificate is more secure, and the banknotes stored in the bank, can also slightly increase in value, and the bank will pay a certain amount of interest.

At this time, the bank played a mainstay role, no matter how many banknotes, they were all allowed to be stored, even if it was dozens of copper plate banknotes.

At the same time, the government at all levels has publicly demanded that the value between the banknote and the copper plate is exactly the same, and it is never allowed to raise the price without permission, if such a situation occurs, the government will crack down hard, and at the same time, the copper plate should be gradually withdrawn from the market, and the period is half a year, and after half a year, the copper plate is not allowed to appear in the market, and in principle, there will be no gold and silver. As for the copper, gold and silver in the hands of the common people, all of them can be exchanged at the bank and exchanged for paper money.

That is, after half a year, the copper plate will no longer be a coin.

This hand is very crucial, and it has been repeatedly emphasized by the government at all levels.

The common people must have listened to the government, and since paper money was circulating in the market, there was no problem in purchasing goods, so the people at the bottom began to accept paper money.

It was precisely those gentry and wealthy families who were very skeptical of paper money at first, because they were more knowledgeable and knew very well the value of paper money, which was to a large extent directly controlled by the imperial court, and if the imperial court issued paper money indiscriminately, they would suffer heavy losses.

The farmers who do things in the workshop are the first to get the banknotes, and the merchants deposit the gold, silver and jewelry in the bank, but the merchants need gold and silver to circulate, and when they go to the bank to withdraw money, most of them are the paper money withdrawn, and the banknotes are directly issued to the employees who do things, which saves a lot of trouble.

The officials in the government, the merchants and the employees in the workshop began to use paper money, which made the paper money begin to circulate in the market at the fastest speed, and the government said that the three years of the Great Jin Dynasty will completely prohibit copper plates from entering the market for trading, so many people began to exchange paper money in the bank.

This speed was very fast, and in just one month, paper money had become the main currency in the market, replacing gold, silver, jewelry, and copper plates.

This was a very gratifying situation, without large-scale publicity, but paper money soon began to circulate, replacing gold, silver, jewelry and copper plates in many places, especially in Shandong, the taxes on commercial transactions were all collected in the form of paper money, and the city basically did not collect gold, silver and jewelry, and the trade tax was mainly turned into paper money.

At this time, Su Tiancheng specially convened the prime minister, the imperial envoy of the Imperial Procuratorate, the six Shangshu and the squire, and once again made an emphasis, he warned everyone not to think that the paper money began to circulate is a small matter, once the paper money began to circulate in the market, it means that the pressure on the imperial court has increased, and the imperial court must ensure the value of the paper money, and it cannot be depreciated, otherwise the paper money will suffer a heavy blow, and the credibility of the imperial court will also suffer a heavy blow.

The only way to ensure the value of paper money is to vigorously develop commerce and trade, so that the power of the imperial court is unprecedentedly strong, with enough gold, silver and jewelry to ensure the value of paper money, and at the same time, agricultural production must not be negligent in the slightest.

Su Tiancheng also made it clear that all the government's expenses in the future will be used in paper money, and in terms of the issuance of paper money, the imperial court will set up a special institution, which must abide by the rules and decide the size of the paper money issuance, even if it is the emperor's holy decree, it can be resisted.

Everyone did not expect that the emperor actually had such an idea, including Zhu Xianxuan and others believed that the amount of banknotes issued could be directly decided by the emperor, but the emperor did not agree to do so, and decided to set up a special agency, which is independent and does not accept the leadership of the cabinet and the prime minister.

Governing a big country is like cooking a small fresh, Su Tiancheng has always kept in mind this sentence, the Great Jin Dynasty is very different from the previous dynasties, a little careless, the outcome will definitely be worse than before, it is precisely because of this that Su Tiancheng paid special attention to it, although the Great Jin Dynasty as a whole is still the rule of man, and it will be the rule of man in the next few years, but we must work towards a higher goal.

If the Great Jin Dynasty wants to develop, it can only vigorously develop the economy, and its own foundation is strong, so that it can talk about expansion, and besides, the establishment of a bank and the issuance of paper money, the imperial court will soon be able to decide the fate of the vassal states through the corresponding economic means, to influence the situation in the Western Regions, once the paper money of the Great Jin Dynasty circulates to these places, it is the beginning of the imperial court's usurpation of wealth. (To be continued......)