Looking at the people in front of him, Li Jiancheng clarified his thoughts and said slowly: "What Jiancheng is thinking about is whether to implement the paper currency system and open banks."

"Paper currency system?" Pei Ji asked in confusion.

"Qianzhuang?" Tang Jian was also extremely puzzled.

Seeing the confused looks on the faces of the people around him, Li Jiancheng naturally knew that they didn't understand, so he patiently explained to them.

"Nowadays, business travelers often have large orders for transactions; or they need to purchase items from other places, which requires a huge amount of money. In addition, bandits are rampant in some places, and the safety of business travelers is not guaranteed. Under such circumstances, as a common people,

If they are parents, we should help them solve their problems."

Several people nodded in agreement. While officials enjoy their rights, they should also have the obligation to solve problems for the people, instead of just exploiting the people's efforts like a moth.

"So, in that case, why don't we use a lighter and simpler currency to reduce the burden on the people?"

"Cheng'er, is this the banknote you mentioned?" Li Yuan asked curiously.

"Yes!" Li Jiancheng nodded, and then continued to explain: "Paper was made and improved by Cai Lun in the Han Dynasty. People only use it as a writing object and do not imagine it from other aspects. For example, when we use paper

When certain numbers are printed on it, and supplemented by certain specific patterns, it can represent certain specified amounts of money."

After listening to Li Jiancheng's words, everyone's eyes lit up. This idea is indeed feasible. Paper money is light and the production method is not difficult. It is naturally easier to use than gold and silver.

Speaking of this, Li Jiancheng frowned involuntarily, "However, this can easily lead to the production of counterfeit banknotes, which is why Jiancheng hesitates to implement this policy."

After hearing what Li Jiancheng said, several people also showed a look of distress. They were not stupid either. When Li Jiancheng said this, they naturally thought of the pros and cons.

It is good to be easy to use, but once it is abused by criminals and causes the proliferation of banknotes, it will have a huge impact on the entire economy of the Tang Dynasty.

Especially after Li Jiancheng's explanation, the problem of economic expansion made several people even more frightened. Several people who thought that the occurrence of counterfeit currency was serious only realized after listening to Li Jiancheng's explanation that the problem was not just what they thought.

"Brother, if we unified management of all the paper-making workshops in Datang, wouldn't we be able to eliminate this phenomenon from the root?" Li Xiuning frowned and thought for a long time, and said excitedly.

Li Jiancheng's eyes lit up at first, and then dimmed again, "It's possible, but if other forces intervene, it will be difficult to control."

"Your Highness, I think that the paper money policy can be implemented in Chang'an City now. We slowly discovered the loopholes, and then improved them, and then spread to the surrounding towns of Chang'an, and finally spread to the entire Tang Dynasty." Tang Jian also put forward a very constructive idea.

Li Jiancheng thought about the sexual approach.

Paper money is different from food. Think about it during the Republic of China. In order to save the economy, Chairman Chiang Kai-shek issued paper money every day and night. As a result, a bag of paper money could only be exchanged for a box of matches. Even under the U.S. government

Despite intervention, there was still no improvement.

In the end, Chairman Chiang's Nationalist Government came to a miserable end, leaving the mainland with its defeated army and huddled on the island of Taiwan.

Therefore, under such circumstances, Tang Jian's proposal was indeed very reasonable. He would start testing on a small scale first and eventually spread to the entire Tang Dynasty.

Li Yuan, who had not spoken for a long time, also spoke. His words made Li Jiancheng feel happy again.

"Cheng'er, you can ask Master Lu Miaozi to see if he can come up with any method that others can't imitate."

Hearing this, Li Jiancheng's eyes shone unusually. How could he forget about Datang, a great expert in many fields? With his help, he must be able to come up with a way to distinguish real coins from counterfeit coins.

Li Jiancheng finally understood the benefits of strength in numbers, and the problems that troubled him were solved in a matter of seconds with the efforts of a few people. Although these problems were not difficult, if he were to solve them alone, it might take him a long time to think about it, and it might even take a long time.

Not necessarily applicable.

"Brother, what does the bank mean?" Li Shimin, who had been listening from the beginning until now, finally spoke after the discussion on the banknotes was completed.

Li Shimin, Pei Ji and other ministers were also very satisfied.

When he was in Taiyuan before, Li Jiancheng was rarely at home, so Pei Ji, Tang Jian and other ministers had the most contact with Li Shimin. They were deeply satisfied with Li Shimin's ability and temperament. In their view, Li Shimin became the next

The successor to the throne is a sure thing, although there is also Li Jiancheng above him.

However, after today's contact, they discovered that it was Li Jiancheng, the eldest son, who was truly astonishing and talented. Compared with Li Shimin's ability, it was eclipsed.

In this way, the next heir to the throne has changed. However, these are beyond their control. They do not want to nor dare to interfere with the affairs of the imperial family.

"Qianzhuang, as the name suggests, is a place for people to store coins."

The origin of money banks can be traced back to the Ming Dynasty.

During the Zhengtong period of Emperor Yingzong of the Ming Dynasty (1436-1449), the value of Ming Dynasty treasure banknotes depreciated, the government relaxed the prohibition on the use of silver, and silver coins were openly circulated. In the following generations, due to the huge variety of private money, copper coins were of different weights and colors.

The price difference between the three currencies is large, there are many changes, and the exchange industry is more developed.

For example, during the Jiajing period, the founding furnaces were opened, and there were many types of coins. For coin making alone, there were dozens of names such as gold backs and spiral edges. Under this situation, there were more copper coins sold and privately minted and smelted, and several specialties in copper coins appeared.

A financial institution that exchanges money is called a money shop, also called a money shop, a bank, an exchange shop, a money shop, a money table or a money stall.

In the eighth year of Jiajing (1592), smuggling of copper coins was rampant, and the imperial court ordered a ban on the sale of copper coins. As a result, money tables and money shops operating currency exchange businesses "made private contracts with each other, and each closed the money market, resulting in soaring prices." In the fifth year of Wanli in the Ming Dynasty,

In 1577, Pang Shangpeng approved the establishment of a money shop, which was the first time the money shop was legalized. The wealthy households in the town would serve as the money shop. Depending on the amount of their funds, they would buy money from the government to facilitate transactions.

From money shops to banks, at the beginning, many banks were not just money exchanges, but often also engaged in other industries. For example, the originator of the Shanghai bank was a "Shaoxing native of Zhejiang Province". It is said that "during the Qianlong period, he opened a charcoal store in the old city of Nanshi.

Also used as money exchange

"Exchange business"; the originator of Ningbo's money industry, called "Fang Qi", was originally a shoemaker. Also in Nanjing and Jiujiang banks there are people who "concurrently do lottery business"; in Leping there are "people who also run cloth shops"; in Nanchang, there are some banks in Shanghai

It is also known as "Qian Rice Store" because it also operates rice industry.

At the end of the Ming Dynasty, the bank had become an independently operated financial organization. It not only operated exchanges, but also provided loans and provided the convenience of issuing postal withdrawals. The meeting notes that were originally jointly exchanged in the two places also became credit circulation in the nature of banknotes issued by the bank.

Tools. In addition, a number of small-scale money exchange shops, money and rice shops, etc. were quite active in rural areas. With the development of banks, the number of banks increased, and bank guild organizations appeared in various places in the Qing Dynasty.

Listening to Li Jiancheng's introduction, everyone fell into deep thought again.

After a long time, Li Xiuning's voice broke the silence.

"Brother, Xiuning thinks that the bank matter is not feasible yet." Li Xiuning rejected Li Jiancheng's proposal. Hearing this, Li Jiancheng was not dissatisfied and motioned for her to continue.

"If it were a time when the world was unified, then banks would naturally be feasible. However, now that the world is uncertain, all forces regard other forces as a thorn in their side and a thorn in their flesh. If we, the Tang Dynasty, implement this policy of banks, those forces will definitely secretly commit murder and steal goods.

If this goes on for a long time, it not only has a great impact on the morale of the Tang Dynasty, but also hinders economic development."

What Li Xiuning said was clear-cut and well-founded. Everyone nodded after hearing this, and Li Jiancheng also nodded appreciatively.

Seeing Li Xiuning's reaction, Pei Ji and other ministers secretly praised that all the children in the Li family were mediocre.

They have seen the ability of Prince Li Jiancheng today; the ability of Li Shimin is also obvious to all; although King Li Yuanji of Qi and King Li Yuanba of Zhao are far different, their ability to lead troops in battle is also first-class. And Li Xiuning, the only woman, is not a woman.

Let the eyebrows go.

"In this case, the banknote policy will be implemented and the bank policy will be discussed later." Li Yuan made the final decision in one sentence.

"Next, we want to discuss cultural reform!"

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