With the change of Hexi's attitude towards handing over banknotes, the entire Song Dynasty and even the Liao Dynasty and Dangxiang were affected.
Originally, the emergence of banknotes has greatly facilitated all merchants and people. No matter where you are from, as long as you have banknotes in your hand, you can use them as money. The consumption varies from place to place, but that's all.
The so-called depletion is the handling fee. After all, these banknotes represent a relative amount of copper coins. Once you go to the local bank or chamber of commerce to exchange copper coins, it is impossible for them to pay the face value of copper coins, and their copper coins are not necessarily the same.
It comes from the local area. In some places where copper is not produced, copper coins are already scarce, and iron coins are more abundant. It is better not to exchange them and keep the handed-in banknotes in your hands.
All these have greatly increased the value of handover banknotes, and also made the convenience and market status of handover banknotes continue to improve. People in many places have become accustomed to using handover banknotes.
For example, in the four capitals of the Song Dynasty, and even in the slightly larger local state capitals, not only merchants used handouts, but even people in towns also used handouts for settlement.
At this time, no one in the Song Dynasty realized that the meaning of handing over banknotes had undergone a qualitative change.
From the emperor Zhao Zhen to the three ministers Fu Bi, no one noticed that the currency notes had changed from the original currency certificate to a real currency!
The original "Jiaobao" was just a currency certificate to facilitate transactions by merchants in Sichuan. "Jiaozi" was just a currency exchange service provided by the Shuzhong Chamber of Commerce in Tokyo. In the final analysis, it was just private finance and had nothing to do with the government.
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But later on, insightful people in the court saw the convenience of "Jiaozi", so they set up Yizhou Jiaozi Affairs in Chengdu, with one or two officials from the Beijing Dynasty serving as supervisors to preside over the issuance of Jiaozi, and a papermaking institute was established
, to eliminate the disadvantages of counterfeiting, this is how "official jiaozi" came into being, which is what the people later called jiaoqian.
So here comes the problem. Until this time, the payment of banknotes in the Song Dynasty was still based on the local currency, or at least based on the value of the commodity. There was very little indiscriminate issuance, because the market was so big, and the people who used the payment of banknotes were
There are so many, and once they are spam, the market will definitely notice it, which will cause big problems, so no one dares to do this.
But things changed later. With the popularity of handing banknotes and Zhao Zhen's need for commercial development, handing banknotes in the Song Dynasty were not only used in Sichuan-Shaanxi Fourth Road, but even spread to Tokyo City.
The status of banknotes is getting higher and higher, more and more people are using them, and more importantly, the improvement of printing technology has made counterfeiting almost impossible for the private sector.
Who would have thought that Da Song Bank would already use overprinting technology in banknotes?
Printing seems simple, but in fact it is a matter of meticulous craftsmanship. The ancients have been indulging in engraving and printing for many years.
It can be said that they are very proficient, but the overprinting technology is different. Overprinting requires overlapping and registering the printed graphics and text of various colors. The printing effect is not only good, but also difficult to imitate.
Only the Tokyo City Banknote Printing Office and the Kasai Banknote Printing Office have such technology, but the printing technology and quality are superior to the Kasai Banknote Printing Office.
The handover banknotes on the market are also divided into Kasai official banknotes and Tokyo official banknotes due to the different printing technologies between Tokyo and Kasai. Although the design, color, material, encryption and anonymity are almost the same, the printing clarity and ink quality are the same.
But they are completely different, so it is easy to tell them apart. Moreover, the biggest advantage of Hexi Jiaobao is that it can be fully exchanged at government-run banks in Hexi, which means that Hexi Jiaobao is more valuable!
Because of this, Hexi Jiaobao is very popular among the people and merchants. Everyone knows that the Hexi Jiaobao in their hands is more valuable than the Tokyo Jiaobao.
Just when Ye An led the Hexi Expeditionary Force to the doorstep of Hei Khan's house, the economy of Tokyo City suffered an unprecedented "attack".
No one expected that a small official with access to the Banking Department would be the trigger for this "attack".
Although Lu Zhiyuan was the magistrate of the Yintai Department, he did not have much real power in his hands. The most important thing as a magistrate was to put the memorials compiled by his subordinates into categories, put them in heavy boxes, seal them, and submit them to the officials.
But as for what memorials can be submitted to the government, it is not your responsibility. He is solely responsible for this matter. Therefore, it often happens that some memorials are taken out of the box by the ministers. For this, he
I often turn a blind eye.
How could I, who was only a fifth-rank petty official, compare to Shi Zhong, a senior official of the fourth rank?
But today he saw a memorial on the box. This was an old rule. Any memorial taken out of the box would be placed on the box. He only had to put the memorial into a box specially designed to store such memorials.
It's good to have it in the book. The reason why it is stored is that if one day something goes wrong and the officials want to check the memorial, there is no way that the memorial will be lost when it is in the Tongjin Yintai Department, because as long as it is lost, it will be lost.
It’s just a matter of falling to the ground, so there will be some memorials that are “missed” in a certain corner, so that everyone can see it better...
The memorial in my hand today comes from Ding Anmin, the magistrate of Lanzhou. At first, Lu Zhiyuan didn't take it seriously. Now, who in the court doesn't know that memorials in the northwest usually report good news but not bad news. With Hexi there, no one wants to take it lightly.
Offend this "big business".
But Lu Zhiyuan accidentally took out the memorial from the basket, and quietly looked through it while no one was around. But when he opened the memorial, he took a deep breath.
It took about a cup of tea before Lu Zhiyuan put down the memorial in his hand. He did not expect that Zhang Wenjin, the official of the Song Dynasty, actually hanged himself from the beam, and Qian Jiang from the Qian Wang family in Wuyue actually pretended to be a beggar and destroyed his face all the way to the river.
He fled east to Lanzhou.
What made him even more unexpected was that Hexi actually dared to abandon the country's banknotes and print Hexi's own banknotes!
Lu Zhiyuan walked in the public house for a long time and finally put the memorial into the basket. This was a muddy water that he could not mix. Since the big boss of the province had detained the memorial, it must be justified.
There were originally two types of banknotes in the country: Tokyo and Hexi. Now that Hexi has abandoned Tokyo's banknotes, it means that Tokyo's banknotes will definitely become worse than those in Hexi!
What should you do if you know that the money you pay in Tokyo is worthless?
Of course, exchange the exchange notes into copper coins, or exchange the Hexi exchange notes!
Thinking of this, Lu Zhiyuan left the mansion impatiently, but stopped again when he reached the door. After thinking about it carefully, he felt that he should not be so anxious, uu read a book www.
You know, you have plenty of time.
When the class ended at noon, he found an excuse to go home. When others asked, he said that his mother was seriously ill and went back to serve the soup. No one could tell him what was wrong, and he also praised Lu Zhisi for his kindness and filial piety!
After taking lunch, Lu Zhiyuan hurried home and took out all the Tokyo banknotes at home. After careful counting, there were as many as five hundred banknotes. As for the Hexi banknotes, there were only a few dozen banknotes. Lu Zhiyuan couldn't bear it.
I was shocked. If these Tokyo banknotes were always discounted by 800 yuan, or even 700 yuan, then I would lose 150 yuan in one fell swoop!
Now that I am in Tokyo, I have no way to exchange the old Kawasi banknotes for new ones!
"No! You should go to the bank and change all the banknotes into copper coins!"
Banks have long appeared. When Liu E was still alive, he opened a bank and used the wealth in Zuozang's treasury as a guarantee to carry out official loans. Later, handing over banknotes became popular, and naturally the business of exchanging copper coins also appeared.
It's just that you have to charge some damage fees.
Lu Zhiyuan didn't care at all about the ten-odd yuan lost in the usual collection of money. He packed up all the money and went to the bank on East Cross Street.