After Liu Xin and Ma Yun's long-term planning, Dahan Bank opened on the same day as the illusion hall, and had high hopes for it, but it was empty. The only business in the whole day was that Ma Yun took more than a thousand taels from home.
The silver was deposited into the bank and exchanged for a silver note with a face value of one thousand taels.
Liu Xin and Ma Yun found it difficult to understand why such a situation occurred. Banknotes are so convenient to use, and there are official guarantees. You can go to the bank to exchange them at any time. Especially in some large transactions, if you use
Silver notes can save you a lot of trouble, at least it is better than carrying a lot of gold, silver and copper coins.
At this time, Cheng Yu came to visit. He came to congratulate Liu Xin on the birth of his daughter. Since he defected to Liu Xin and was appointed to a special position, Cheng Yu has never had a chance to perform. Liu Xin wants to open Dahan Bank.
Not only the officials in Jingzhou, but also the common people knew about this, because like the Xiangyang Illusion Hall, Dahan Bank also carried out a lot of publicity in the early stage, and Cheng Yu naturally understood the situation inside.
When Cheng Yu saw Liu Xin worrying about the money bank, he came up with a plan and said: "Master Qi, in the eyes of my subordinates, what Dahan Bank does is nothing more than depositing and withdrawing money. Everyone will think that money should be put there."
It's safer to stay by your side. Besides, the bank only accepts gold and silver, and it has to be discounted, so of course there are fewer people willing to save money. Why don't you think about withdrawing money, my lord?"
Liu Xin was stunned and asked: "No one saves money, how can anyone come to withdraw money?"
Cheng Yu did not answer directly, but continued: "Actually, my lord's idea of setting up Dahan Bank was incredible to my subordinates when they heard it at first. However, after thinking about it carefully, they found that it was indeed a brilliant idea. However,
Why does everyone buy it? In the final analysis, they still don’t trust the bank. To solve this problem, we must let everyone see that as long as they show the banknote, they can get money at the bank. And to do this, we must first let everyone get it.
There is a banknote."
Liu Xin had already heard some clues from his words, nodded and said: "You continue to talk."
Cheng Yu leaned forward and said: "Now there are two ready-made ways to get the banknotes into everyone's hands. One is that when officials' salaries are paid out every month, they can be directly converted into banknotes and distributed to everyone. The other is that they will be issued to everyone soon.
It's time for the summer harvest, and as usual, local governments will purchase a batch of grain, and you can purchase it directly with banknotes."
Liu Xin knew that ancient money banks could not make much money by using the two links of withdrawing money and depositing money. The main income still relied on lending. However, if they could not absorb deposits, they would not have much money to lend.
Cheng Yu's suggestion is still somewhat contrary to Liu Xin's original intention. In this way, Dahan Bank has become the financial office of local governments and can only play a turnover role. Those banknotes issued are a bit like
I-votes, which became popular in later generations, are just easier to cash out. However, this is a good way to increase the popularity of the bank.
Seeing Liu Xin thinking silently, Cheng Yu added: "As long as the master can ensure that all banknotes can be withdrawn, everyone will feel that it is very convenient to use banknotes, and some people will be willing to take the initiative to deposit money into the bank.
.As long as someone deposits money into a bank, doesn’t that fulfill the original purpose of setting up a bank?”
Liu Xin suddenly realized and couldn't help but look at Cheng Yu with admiration. People in that era could figure out these principles and strategies just by listening to some propaganda about banks. It was indeed not easy. He was worthy of being one of the five most important men under Cao Cao in history.
One of the counselors, Liu Xin, couldn't help but nodded and said: "Your analysis is very reasonable. When you get back, draw up a detailed charter and show it to me."
Among the counselors under Liu Xin, Cheng Yu came relatively late, and he took the initiative to serve. He had always been worried that Liu Xin would not be reused. Now that he saw that Liu Xin valued his opinions so much, he couldn't help but be overjoyed and said repeatedly: "Yes.
, I will go back and handle this matter now."
But Liu Xin stopped him and said, "Zhongde, don't leave now. I have something else to ask you."
Cheng Yu hurriedly raised his hands and said, "My lord, please speak."
Liu Xin pondered: "I wanted to attack Dong Zhuo, but I took Xichuan. Jingzhou civil and military officials didn't think so. What do you think of this?"
Cheng Yu looked up at Liu Xin, cupped his hands and said, "I don't dare to speak."
Liu Xin smiled and said, "If you have any ideas, it's okay to tell me. I won't blame you."
Cheng Yu then cleared his throat and said: "My lord wants to attack Dong Zhuo. If you leave Wuguan from Nanyang, you can directly capture Chang'an. Even if you don't capture Wuguan and Luoyang is now an unclaimed land, you can capture Luoyang first and then
To march into Hongnong and attack Hangu Pass, we can also march straight in. My lord is now abandoning the near and seeking the far, and his ambition must not be Dong Zhuo, but Liu Yan!"
Liu Xin put his hands on his hands and laughed: "Zhongde knows me! I also want to attack Dong Zhuo, but there are hundreds of thousands of troops in Xiliang, so we can't rush for a while. When I take Xichuan, I can form a three-sided siege against Dong Zhuo.
With the momentum, Chang'an City can be conquered with one drum!"
There is one thing that Liu Xin did not say. He is not in a hurry to attack Dong Zhuo. In addition to not wanting to lose his strength prematurely, he also wants to see if without Diao Chan, Wang Yun can come up with other ways to drive a wedge between Dong Zhuo and Lu Bu, the father and son. In history,
The Xiliang army was very prosperous for a while, but after two civil strife between Dong Zhuo, Lu Bu, Li Jue and Guo Si, its strength was greatly reduced and it was destroyed by Cao Cao.
And Cheng Yu didn't dare to say a word. He had already seen that Liu Xin's plot was huge. If Liu Xin directly killed Dong Zhuo, he would soon have to face a problem, that is, how to deal with Liu Xie. According to Liu Xin's plan
According to the theory, he does not recognize this emperor, so he can only depose him, and then he will face the problem of establishing a new emperor. Obviously Liu Xin wants to establish himself, but his reputation has not reached this height.
Among the scholars, he was still more derogatory than praised. At this time, self-reliance would definitely become the target of public criticism. Cheng Yu knew that Liu Xin must have thought of this, so he hesitated to use troops against Dong Zhuo. He was slowly
Strengthen your own strength and wait for the opportunity. It was precisely because Cheng Yu saw Liu Xin's grand plan that he took the initiative to join in.
As time went by, the popularity of the bank finally increased, but basically everyone went to the bank to withdraw money, and no one was seen depositing money. It turned out that those officials who received banknotes as salary immediately went to the bank to withdraw money.
He rushed to the bank and cashed the banknotes in his hands. As for the big grain sellers, many of them were unwilling to accept the banknotes at first. Later, they saw that other banknotes had been exchanged for real gold and silver, so they reluctantly accepted.
And the first thing they do after receiving the banknote is to cash it immediately.
Such a result was still not what Liu Xin wanted to see, but inspired by Cheng Yu's plan, Liu Xin took further measures. First, several stores opened by Mo Xiangzhai and Ma Yun began to accept banknotes.
As a proof of payment, Moxiangzhai was originally opened secretly by Liu Xin and Jushou. He has the franchise rights of paper and the business has always been booming. Naturally, he has to support the business of Dahan Bank. Although the stores opened by Ma Yun and others are not very large,
It's big, but the business is surprisingly good, especially the store that sells women's products. The rouge, gouache, clothing and jewelry sold in it are the favorite items of Jingxiang aristocratic women. Dahan Bank was Ma Yun's idea originally, and the banknotes are
Of course, you need to have the green light all the way to use it.
Not only that, Liu Xin also announced that silver notes can also be used to pay taxes. In the past, people paid taxes with a variety of items, including gold and silver, copper coins, grain, cloth, and even pigs, sheep, chickens and ducks.
Poultry and livestock. These things take up space, are difficult to handle, and are very troublesome to convert. It would be much simpler if they were all exchanged for banknotes.
In this way, the scope of use of banknotes has been expanded and the credibility has been improved, but there are still not many people taking the initiative to save money. As a last resort, Liu Xin used his trump card. The institute's workshops in the suburbs have produced a large number of exquisite
White porcelain. These porcelains have developed from daily utensils to various decorative ornaments. However, due to the limitations of porcelain making technology, the sizes of the porcelain are not very large. These white porcelains are not sold to the public, only to the group with a special status in Jingzhou.
, it was possible to get some samples, but they were reluctant to use them and kept them at home.
Liu Xin was cruel and decided to officially launch the sale of white porcelain in Xiangyang. A set of white porcelain tableware can be exchanged for a peerless beauty like Diao Chan, and a dozen white porcelain bowls can be exchanged for Zhang Liao to have a smooth road to Xuzhou. Isn't it possible?
In exchange, will everyone take the initiative to deposit gold and silver in banks?
The opening of Jingzhou Porcelain Manor has become the most sensational event in Xiangyang in recent years. On the day of its opening, almost everyone in Xiangyang City rushed over, and the crowds attracted completely exceeded the day of the opening of the Illusion Museum. In Porcelain Manor
There is a dazzling array of exquisite white porcelain, which is also decorated with various patterns, animals, flowers, and humanistic stories. Anyone who has seen it feels that it cannot be described in simple words.
There are many wealthy people in Xiangyang City, and there are also many big businessmen from other places. When they see such a treasure, they are all moved and ask how much these porcelains cost. When asked, they are all dumbfounded. These porcelains
, anything you take out is worth a lot of money. Of course, for these rich people, money is not a problem. The problem is that their porcelain stores only accept cash checks, not cash.
As a result, the most lively scene since the opening of Dahan Bank has occurred, with queues of people depositing money stretching all the way to the street. Many people who came late even drove horse-drawn carriages to rush to banks in other counties and cities. Because of the white porcelain in the porcelain bank
The quantity is limited, so you must redeem your banknote quickly.
The business problems of Dahan Bank that had troubled Liu Xin for more than a month were finally solved. Not only that, the high profits from the sales of white porcelain also directly enriched Jingzhou's treasury.
Another month passed, and Sun Ce's body gradually recovered. Except for the chest, abdomen, and back, there were still many scars. It was no longer possible to tell that he was only one step away from death. He no longer lived in the medical school, but moved into
He moved to the house in the east of the city and lived with his mother and brothers, but the news of Sun Jian's death was still hidden from Wu Xian and his children.
Amid the cheers of the crowd, Sun Ce stopped the spear in his hand, wiped the sweat from his forehead, sighed, and said, "It's hard to live under someone else's roof!"
This is the small courtyard where Cheng Pu and the others live, two streets away from the courtyard where Wu Shu sisters live. In order not to affect Wu Xian's mood, Liu Xin has not allowed Cheng Pu and the others to meet Wu Xian until now.
After Sun Ce came back from medical school, he went out early and came back late every day. Apart from visiting his father's grave and burning incense, he also came here to talk to Cheng Pu and others and practice martial arts.
After listening to Sun Ce's words, everyone lowered their heads. Their families were trapped in Lusa City, and they felt even worse. Han Dang raised his seriously injured arm, moved his mouth, and wanted to say something, but finally decided
He held it back and sighed helplessly.
Seeing that everyone was in a very low mood, Cheng Pu frowned, walked up to Sun Ce, raised his hands and said, "Young Master, I have a sentence in the end that I don't know whether to say or not?"