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Chapter 196 Bank

Li Tang and Li Di came in from outside, their feet shaking, and they were singing songs. Li Tang sang a line: "If this river turns into spring wine, the song will be built and the platform will be built." Li Di then said: "A thousand-gold horses change to a concubine, and sit drunk on a carved saddle and sing on a plum blossom."

Seeing Lin Xi and his daughter gathering a table with wine and food on it, drinking there. Li Di shook the wine jar in his hand and said, "We have never forgotten you father and daughter! Look, this is Jinshaquan in Yicheng, the first-class good wine! I specially bought it for you to eat!"

Lin Xi said: "Tomorrow's Dragon Boat Festival, we will drink calamus wine. You should keep your good wine there and drink it slowly in the future."

Li Tang laughed at the ear: "I forgot that tomorrow is the Dragon Boat Festival! I have been wandering for several years and have forgotten these festivals!"

As he said that, he supported each other with Li Di, went to the table, picked up a handful and sat down.

He stretched his head and looked at the food on the table. Li Di said, "You guys have eaten well, there are actually mandarin fish! Today we went to the restaurant and ate a steamed bream. It was really delicious! The meat is smooth and tender, and it is extremely delicious!"

When the Lin family saw that the two were drunk, they shook their heads together. They had been living a hard life for a long time, so they indulged in a little bit today. When they came down from Lumen Mountain, they found this small courtyard and rented it together. Li Tang and Li Di lived in two rooms, while Lin Xi and his daughter lived in two rooms.

Sitting on the chair, Li Tang said: "I took the first draft yesterday for Wang Observation. I was very satisfied with the observation. I just felt a little rough and let us work harder and make it more refined. By the way, I observed the layout of the exaggerated version and the words on the forehead. This is the credit of Niangzi Lin."

Lin Xi said: "This is the best. I am still afraid that I can't draw or carve it, so I'll take the money in vain!"

Li Tang said: "What are you saying? Observe is a person who does things. You can tell who has put in the effort at first glance!"

Lin Xi's father said, "What kind of version do you want to make? I'll listen to this matter. My daughter just does some chores and earns a few cents. Why do you hear that she's working a lot?"

Li Tang shook his head repeatedly: "Miss Lin has made a lot of contributions. After we painted the painting, how to cloth it on the board, what else to add, how to write the amount of money, so that people can understand it at a glance, it is all a great question. And many of the words on it were written by Made Lin. Although we painted, the characters were not as good as hers."

Several people were talking about what they had done recently, and Lin Xi's father was very curious. According to their words, Wang Xiaoli's Huizi should be used normally, which is different from others. How to use Huizi at the usual time? It's strange.

When the sun sets west, Lin Xi and his daughter are full of food and drinks, and each goes back to their room to rest.

In the yamen, Wang Xiaoli, Chen Yuyi and Yang Shen sat together, discussing the next release meeting.

Chen Yuyi said: "The last time the Jin army paid by the Jingmen army can be worth more than 6 million guan. However, the gold and silver are only more than 700,000 guan, and the jewelry products are more than 1.2 million guan. The rest are mostly cloth, calligraphy and paintings and other miscellaneous items. If you want to make all these books, I am afraid there are not many."

Wang Xiaoli sighed: "There is a shortage of money everywhere in the world, otherwise why should we print it? The capital for making money is best for gold, silver and copper coins. If you don't have much cash, many things will be difficult to deal with. Let's do this, it will be half a month before the copper plate is made. In these days, how about changing cloth and other items into cash? If you send a piece of money for four cents, you will have a lot of money."

Chen Yuyi shook his head: "How much cash can Xiangyang Dengzhou have? Try your best to exchange it, but it won't be much. The best way is to sell it according to the science package and let the local merchants pay it out."

Wang Xiaoli shook his head: "No matter how short of money, I can't afford it. This is the trust of our yamen. The trust of our yamen cannot be bought for much money. I heard that Ezhou, Jingmen and other places have seen prices increase after the war. Can we get somewhere to sell it?"

After hearing this, Chen Yuyi couldn't help but smile bitterly: "Observe, when is it now? It's not easy to exchange for cash, but it can be exchanged for it, so how can it be transported back to Xiangyang? After the war, transportation is inconvenient, which is not easy."

Wang Xiaolie said nothing. He sat there and thought for a while and said, "In addition, the cash stolen from the Jin army has more than 2 million guan. In addition, the gold, silver and copper coins we had saved were more than 3 million guan. According to this issue, there could be more than 10 million guan. With so much money, many things can be done. If we do it better and better in the future, the quantity will not be small."

Chen Yuyi said: "The officials do not know whether the observation method is feasible. The imperial court has always made up for insufficient money and the people naturally complain. Although our methods are different, we do not know what the people think."

Wang Xiaolei said: "In fact, there are three most important things in the issuance. One is how to print it, two is how to get it into the hands of the people, and three is how to take it back from the hands of the hundred hands. If these three things are done well, the benefits will naturally outweigh the disadvantages."

After hearing this, Chen Yuyi couldn't help but shake his head: "Not that troublesome! All the officials printed it out and bought private goods. When it's time, I will issue a new Huizi and exchange the old Huizi. It's actually very simple to exchange the new for the old."

Wang Xiaoli shook his head: "The amount of money issued by the yamen is small. Whether I have so much money, I don't know whether it's less or more. There is a bigger problem with using the new memorial to replace the old memorial to the old memorial. Originally, the money was not enough to make up for money, so every time the new memorial to the new memorial to the old memorial will definitely be much more than the old memorial to the new memorial. It doesn't take a long time to be depreciated."

Yang Shen said: "Since the Tiansheng period, Sichuan and Sichuan seal Jiaozi, Jiaozi, Huizi, and money has been introduced for many years, there are indeed many problems. When Cai Jing was in power, he had no capital and had more seal Jiaozi, which made Jiaozi worth more than 100 yuan."

After many gods and operations by Emperor Daojun, by the Southern Song Dynasty, the theory of paper money in the Song Dynasty was basically mature, which was called the art of raising the paper money. If the purchasing power of paper money on the market was low, the capital would be used to buy paper money to keep the currency value stable. Of course, this is the theory. Most of the time in the Southern Song Dynasty, the paper money was not used to operate this way, and the depreciation of paper money was very powerful.

With memories of his previous life, Wang Xiaolie certainly looked down on this primitive method. He sealed Huizi and tried his best to add theories of later generations.

To maintain currency stability, one issuance must have capital, two issuance must not be issued indiscriminately, and three is to be adapted to economic development. At this time, the most important thing is to have capital and not be issued indiscriminately. When the economy develops, the most important thing is to be adapted to economic development and not be issued indiscriminately.

Wang Xiaoliu said: "I want to set up an official to specialize in printing the committee. The number of printing is determined by the yamen, and only the printing is done. Then two or three banks are set up to specifically accept the printed money. People can save money in the bank or borrow money from the bank. By depositing money and lending interest rates, banks make money. Each yamen uses money and withdraw it according to the money stored in the yamen. The bank itself does not print money, nor does it care about how much the yamen uses."

Chen Yuyi was stunned for a moment when he heard this. He thought about it for a long time but still didn't know Wang Xiaoli's meaning.

Yang Shen said: "The meaning of observation is that the yamen needs to open a quality warehouse?"

Wang Xiaoli shook his head: "It's not a quality database. The quality database also allows others to be used as things, but the bank does not do it. The bank just lets the people save money and lend money to the people. The interest rate difference between saving money and lending money is the money they make."

Yang Shen shook his head and looked at Chen Yuyi, unable to understand what Wang Xiaoli means.
Chapter completed!
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