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In the surprised eyes of everyone, Su Jin explained the idea that he had been thinking about for a long time: "The money circulated in the Song Dynasty is mainly copper coins. Although copper coins are thin and light, it is still very troublesome to use them in large quantities.
It weighs more than five kilograms. For an ordinary strong man, carrying thirty or fifty guan is already a heavy burden. Because of this, every time you go out with money, you must hire an escort to escort you. Mules, horses and carts are also indispensable.
It is a waste of manpower and financial resources. If you don’t have money, you will worry. If you have money, you will worry. Isn’t this a strange thing?”
Yan Biyun suddenly said: "Do you want to imitate Yizhou in the first year of Tiansheng and issue Jiaozi?"
Su Jin was stunned and suddenly remembered that the Song Dynasty had issued the world's earliest banknotes, called "Jiaozi". If Jiaozi was feasible, wouldn't his idea be useless? Wouldn't it be easy and enjoyable for people to carry banknotes for shopping?
But since Jiaozi is so convenient, why is it that from the first year of Tiansheng to the present day, paper money has not become popular in various parts of the Song Dynasty, but bulky copper coins are still used as the currency of transactions?
"The Nu family heard from my uncle that in the first year of Tiansheng's reign, at the suggestion of Yizhou transfer envoys Xue Tian and Zhang Ruogu, the imperial court established the Yizhou Jiaozi Office in Shu and issued official jiaozi with different denominations for travel.
Transaction, you seem to want to imitate their intention of issuing Jiaozi." Yan Biyun said.
Su Jin waved his hand and said: "No, what I said is different from Jiaozi. In fact, issuing Jiaozi is also a good way. But since Guanjiaozi has been issued for sixteen years, copper coins are still used as a means of circulation in various places in the Song Dynasty. Obviously this
What Jiaozi issued was not successful; maybe the people are not willing to use it?"
Yan Biyun said: "You are right. The imperial court originally cast iron coins instead of copper coins because of the lack of copper in Shu. Iron coins are not only heavy, but also of low value. Iron coins are usually only worth a hundred copper coins, and outside Yizhou."
The merchants and common people in various states did not recognize the value of iron coins, and the imperial court was unable to transport copper coins to Shu for unified replacement, so it took back a spontaneous folk jiaozi to the imperial court for issuance; however, the imperial court did not prepare the corresponding exchange mechanism.
After the common people got Jiaozi, they could not exchange it for real money. Over time, Jiaozi lost its credibility, so that when people used it, the people complained, and a good thing turned into a bad thing."
Su Jin said: "Then these handed out Jiaozi will become a piece of waste paper?"
Yan Biyun said: "Yes, the later Jiaozi was almost a piece of waste paper. The imperial court did not know who followed the advice and issued new Jiaozi to replace the old Jiaozi. In order to reduce the pressure on the court to exchange copper coins, it even stipulated that the new Jiaozi could be exchanged for one min.
The old Jiaozi was worth five min, which led to a sharp decline in Jiaozi's credit and the sharp depreciation of Jiaozi's value. After the government stopped exchanging it, one min of new Jiaozi could only be exchanged for one hundred copper coins on the market, which almost caused a leak.
.”
Su Jin scolded: "Isn't this nonsense? Master Yan should not be in charge of the Third Division at that time. Such a stupid idea can be imagined. Isn't this a disguised form of plundering the people's wealth and drinking poison to quench their thirst? Is the Jiao Ziwu established still there now?
?”
Yan Biyun said: "It's still there. The two roads in western Beijing and Shaanxi have also been included in the scope of use of Jiaozi. When the imperial government's finances are tight, Jiaozi will be issued and apportioned. It is promised that the period of three to five years will be redeemed with high interest, but within three to five years,
Even if these Jiaozi were redeemed after the year, they would still be at a huge loss. Because of this, there were riots in Shaanxi the year before last. My uncle made several petitions to cancel it, but was rejected. As you said, this is really drinking poison to quench thirst.
"
Su Jin understood that this was a disguised attempt by the imperial court to use Jiaozi as a kind of national debt. During the exchange period, inflation would depreciate the value of these Jiaozi and make them lose money. The imperial court had solved an urgent need, but the unlucky ones were Jingxi and Yizhou.
, the common people in the three places of Shaanxi.
"As a paper currency, Jiaozi must have sufficient reserves to achieve credit. It should be freely convertible and have measures to ensure value. Isn't it nonsense for a big country to play these small tricks?" Su Jin was speechless.
"What's the plan the big boss said? Don't get involved with these things, it's a scam." Zhang Rongqin said.
Su Jindao: "The method I mentioned has nothing to do with the imperial court. The common people don't believe in virtual things like Jiaozi, so we still let the common people trade with copper coins. We only need to set up banks in commercially developed places to conduct free exchange.
, this problem will be solved easily."
"Yinzhuang? Free exchange?" Everyone was dumbfounded. They had never heard of these words before. They were all confused and had no idea what Su Jin meant.
"Originally, I wanted to call it a bank, but Yinzhuang sounds more domineering, so let's call it Yinzhuang. The principle of operation is very simple. For example, I, Su Ji, have set up Yinzhuang in Bianliang, Luzhou, and Yingtianfu, and there are Luzhou merchants there.
To purchase goods in the capital, he only needs to deposit the required money into the bank established by our bank in Luzhou, and our bank will present the bill. This person only needs to carry the ticket on the road, and when he arrives in the capital, he can present the ticket from Suji Bank in the capital.
Just withdraw the money from the bank and use it to purchase goods; if the goods cannot be purchased in the capital, this person can take the bill to Yingtian Mansion to purchase it. The bill is still valid. Don't you think this is extremely convenient?"
Everyone present was dumbfounded. This idea was simply too wonderful. A new world seemed to have appeared in front of everyone's eyes. If it could be done now, it would be a great thing. Yan Biyun and the shopkeepers began to build it in their minds.
The scene described by Su Jin caused silence in the flower hall for a while.
"What? Doesn't this method work?" Su Jin looked at everyone's expressions and was a little unsure. In his memory, this form of exchange only existed in the Ming Dynasty. Why did the Song Dynasty fail to develop? Su Jin couldn't figure it out.
Understand; in short, since there was no such form of exchange bank in the Song Dynasty, there must be a reason. Either there was no basis for its emergence, or there were other restrictive reasons. However, Su Jin believed that it was precisely because there was no bank in the Song Dynasty that he could
If you accomplish this, the rewards will be extremely generous.
"Bah, bang, bang," Yan Biyun clapped her hands gently, looking at Su Jin with a smile in her eyes, her eyes full of admiration.
All the shopkeepers also applauded, Zhang Rongqin stood up and cupped his hands and said: "I have never admired the big boss until now. I thought that the big boss relied on his quick thinking and good luck to bring Su Ke back to life. Now look.
Come on, the big boss is a miracle in business. I admire you!"
Su Jin thought: "You are the weirdo, your whole family is weird!"
"This idea is really good, but I have some questions." Yan Biyun thought for a while and said.
Su Jin said with a smile: "Ask quickly, I have a lot of answers, just waiting for you to ask. Once you ask, it will make this matter feasible."
Yan Biyun rolled her eyes at him and said quietly: "First of all, opening this kind of silver bank will naturally facilitate purchasing, but where does Su Jili come from?"
Su Jin raised his thumb and said, "It's a good thing that it's Dong Yan's family. He asked for an idea in just one sentence."
Yan Biyun blushed and said angrily: "Answer quickly, don't say it's useless."
Su Jin knocked on the table and said: "Where does the profit come from? Of course it comes from customers. You just need to set an interest rate and withdraw it as profit in proportion. The protection of the escort agency depends on the distance and the amount, so the charges are naturally very high.
, and this kind of bank only uses the amount of money exchange as a base, and draws fees at a low rate on this basis, which saves an unknown amount of money compared to the escort agency."
Everyone seemed to understand but Su Jin had to give another example: "For example, if the Yan Dong family wants to transfer one million guan from our Suji Bank to Luzhou, if they hire an escort, they will have to pay the bureau about 2,000 guan. Is that about the same?"
Yan Biyun nodded and said: "Two out of a thousand within a hundred miles, twenty-five out of a thousand within five hundred miles, three or even five out of a thousand out to five hundred miles away. In this way, it will cost about three thousand guan from Luzhou to the capital.
"
Su Jin said: "Three thousand guans is not a small amount, but if you exchange it from the bank, no matter how far or near you are, if you take one of the thousand guans, as long as you pay the fee of 1,000 guans, you can take out the one million guans at any time and anywhere.
I don’t need to explain which one is better or worse.”
Everyone was buzzing and nodding. If there was such a good thing, who would spend unreasonable money to hire an escort? Not only does it cost a lot, but it is also very slow. After a few days, the money is still halfway there; besides, the escort is not
It's absolutely foolproof. Anyone who encounters a robber will still be doomed. When the time comes, he will be involved in endless lawsuits for repayment. Not only will the business be delayed, but it is still uncertain whether the money can be compensated.
Su Jin continued: "The benefits don't stop there. If someone has a lot of money and keeps it at home for fear of being stolen or robbed, then he can deposit the money in the bank and let the bank keep it for him. Not only do we not accept the money,
Instead, they will be paid interest based on the length of time they have saved the money.”
Shopkeeper Zhao Da said: "Isn't that a loss of money? How can you make a profit?"
Su Jin said with a smile: "You don't understand this. The interest distributed is naturally not high. Ten thousand yuan and fifteen yuan a year are amazing. But think about it, if this ten thousand yuan is paid in
How much money can we make with our hands? Shopkeeper Zhao, if I give you 10,000 yuan and you can do whatever business you want based on your ability, how much can you make in a year?"
Shopkeeper Zhao Da said: "If he is an old man, he will earn more than a thousand guan no matter what."
Su Jin laughed and said: "Let's give a discount. We can definitely earn 500 guan. We made 500 guan and distributed 15 guan to the owner who saved the money. Isn't this right? We still have a big head.
.”
Everyone suddenly realized: "Oh, it turns out that you are using other people's money to make money for yourself, and at the same time, you are giving them some sweet water to wipe their mouths."
Su Jin smacked his lips and said, "Don't put it so directly. This is called a 'win-win' situation. The rich people's money is of no use at home, and they can't make money, and they're still worried. But if it's in our hands, it can make money."
Zai'er, and then give him some benefits, and we'll also get some hard-earned money, isn't this a win-win situation?"
Everyone looked at Su Jin with admiration. Yan Biyun was also deeply shocked by Su Jin's whimsical thoughts, but she was not lost yet. There were still many question marks in her stomach, and she expected Su Jin to give her an explanation.