Ren Jinnu smiled and said: "They deposited all the money, let's go see how much money they made."
Chao Yong looked at the waiters below carrying heavy money bags and suddenly said: "It's time for us to start new business."
Ren Jinnu heard that Chao Yong had new business, and asked with bright eyes: "What business?"
Chao Yong said: "Our previous deposit slips were all signed by a registered banknote. This can prevent the depositor from losing the slip and having it taken by others. We can get another type of anonymous bank note, one-note, five-note, or ten-note."
, fifty guan, or one hundred guan, as long as you hold the banknote, you can cash it at the ticket number. In this way, the banknote in the ticket number can be circulated in place of Jiaozi."
Ren Jinnu immediately said: "If you can cash it out at will, I'm afraid businessmen will go to other places to withdraw money, saving the cost of transporting money, while we have to increase the cost of transporting money."
Chao Yong smiled and said: "Then the bank check should indicate the state where the invoice is issued. The state can cash it in equal amounts. If you cross state capitals, you will have to pay some handling fees. Please study the handling fees."
Ren Jinnu thought for a moment and said, "How do we make money in this business? Can we lend them out the same money they paid to buy banknotes as they deposited to earn interest?"
Chao Yong nodded and said: "It's okay, but you have to keep 30% of the money for buying banknotes to prevent merchants from cashing in large sums. Merchants who plan to cash out large sums in other places must make an appointment in advance to give us time to mobilize cash, otherwise we will
Cash can be delayed.”
Ren Jinnu said: "The prince's purpose is to make the people accept the banknotes, and then no one will cash the banknotes."
Chao Yong nodded and said: "Smart, as long as there is no problem with the credibility of my royal ticket number, and everyone gradually accepts the silver notes, they will not exchange them back and forth. Then everyone will not have to carry so many copper coins around.
.”
When he first set up the banknote number, Chao Yong wanted to issue banknotes that could be directly circulated. It was just that the banknote number was initially set up, and it would be difficult to be accepted by people if the banknotes were issued directly. People might also suspect that the banknote number had been affected.
As for the overall operation, it simply only opened deposit and loan businesses.
Now that his reputation is at its peak, the credibility of the Royal Bank has also increased, and the issuance of banknotes has become a matter of course.
The imperial court has begun to study the casting of new coins, preparing to replace the copper and iron coins of the Song Dynasty with substantial copper coins, silver coins, and gold coins.
Silver coins and gold coins were proposed by Chao Yong. Chao Yong proposed to directly mint copper coins of various denominations, but Chao Gai rejected it.
People in this era are very conflicted. They can accept Jiaozi, but they cannot accept "ten coins". "Ten coins" is just one copper coin for ten, but Jiaozi is a piece of paper. They are willing to accept the paper, but not
Willing to accept large sums of copper coins.
When Cai Jing was in power, he coined "Ten coins", which aroused public resentment. Finally, it was changed to "Three coins".
For people of this era, minting these large denominations of money meant that the court defrauded the people of their money. It would also allow people to mint copper coins privately, and the final result would be rising prices. What used to cost someone one cent became ten cents.
Things bought for ten cents are still one cent, which can be said to be a direct protest by the people against paying for ten cents.
If the copper coins are of sufficient weight, the price of copper utensils of the same weight is generally higher than the price of copper coins. Some people even make profits by casting copper coins into copper utensils.
Only copper coins of sufficient weight can make people willing to exchange for Song Dynasty copper coins. Moreover, privately minted copper coins will not disrupt the market.
What Daliang is going to cast is copper coins with a face value of one tael; silver coins, each weighing one tael, can be exchanged for a thousand taels; gold coins, each weighing one tael, can be exchanged for ten silver coins. The usual currency of Daliang is one thousand, not the Song Dynasty.
of seven hundred.
However, in today's world of luxury, many people like to use gold and silver utensils. Gold coins and silver coins may be cast into utensils, reducing the number of gold and silver coins in circulation. However, domestic gold and silver production is not enough to cast large-scale coins to ensure large amounts of currency.
circulation. Therefore, Chao Yong was ready to continue promoting banknotes.
Even if a large amount of gold and silver is obtained from abroad in the future and enough gold and silver coins are ensured, the banknotes will still have use value. At that time, banknotes can be used exclusively for large-scale payments. Although one gold coin can be exchanged for ten coins, in places where commerce is developed,
Businesses involving several thousand or tens of thousands of gold coins are not uncommon. Silver notes still have many advantages over hundreds of gold coins.
The two of them went down to the second floor and saw Wang Jing sitting in the main room.
When Wang Jing saw Chao Yong and Ren Jinnu, he hurriedly stood up to greet them.
After seeing the ceremony, Chao Yong smiled and said: "How is the income of the mirror business?"
Wang Jing said respectfully: "It's more than 35,000 yuan. I calculated it when I picked up the goods. I didn't expect that they were all sold out in just half a day."
Ren Jinnu was speechless and said: "More than 35,000 yuan? It's more than the ticket office's income in a day."
Wang Jing also knew that Ren Jinnu was the prince's concubine, and said respectfully: "Just the name invented by the prince attracted all the people in the city. Many people came with money bags, but they could only carry more
Go back with your money bag. If the Glass Bureau can provide more silver mirrors, you won’t have to worry about not being able to sell them.”
Although Chao Yong also assigned the Glass Bureau to the Household Department, the main task of the Glass Bureau now is to provide lenses to the Ministry of War. The masters who can make lenses are making lenses, and only the craftsmen who cannot make lenses can make silver mirrors. This is also
The production of silver mirrors was limited.
Chao Yong also heard what Wang Jing meant, shook his head and said: "The progress of making lenses cannot be slowed down. All soldiers and horses in the country must be equipped with telescopes. From now on, every ten-man team must be equipped with a telescope. Making silver mirrors is much less difficult.
, many craftsmen can make it after learning, you can coordinate with the Glass Bureau to add more craftsmen."
The craftsmen who make colored glaze have all been assigned to the Glass Bureau, and the private sector rarely makes colored glaze. If you want to expand the scale of production, you can only transfer other craftsmen. The remaining craftsmen in the kiln are responsible for firing bricks, tiles, ceramics and other materials.
It would undoubtedly take some time for them to learn how to make glass, so Wang Jing wanted to assign some master craftsmen to make lenses, who could produce them directly, and with better craftsmanship, they could make larger silver mirrors.
Wang Jing said hurriedly: "I am ashamed of myself. I was so distracted by money that I almost missed important military and national affairs."
Chao Yong smiled and said: "I was jealous when I heard that I made more than 30,000 yuan in half a day. I'm afraid that the Mirror Guild will be the largest customer of the bank in the future."
Ren Jinnu also smiled sweetly and said: "Thank you, Mr. Wang, for your support of the ticket account."
Although Wang Jing is the shopkeeper of Jingxing, he still has an official status.
Wang Jing hurriedly said: "I don't dare to take it, I don't dare to take it. Deposit to the bill number, and when you pay the account, you just need to hand the deposit slip to the Accounts Department, otherwise you will have to find someone to take care of these many copper coins. When the Accounts Department wants cash, I will come and pick it up."
yes."
Ren Jinnu looked at Chao Yong and said, "Can we let Jingxing and Hubu try out our new business first?"
Seeing an opportunity to perform, Wang Jing hurriedly said: "As long as the villain is useful, just give me orders."
Chao Yong thought for a while and said: "Yes, and the bank and Mirror Bank can carry out deeper cooperation. For example, Mirror Bank only accepts banknotes from banknotes, which can help the bank promote banknotes and reduce the cost of Mirror Bank.
workload.”
Ren Jinnu just wanted to ask the mirror shop to buy silver tickets. He had never thought that he could promote silver tickets in this way. His eyes lit up. He said sweetly: "The prince is smart. In this way, people who want to buy silver mirrors must first buy silver mirrors."
Money is converted into banknotes, and now almost everyone wants to buy silver mirrors, which means that everyone has to buy banknotes. If all government-run transactions only accept banknotes, banknotes will become indispensable to everyone.
coins."
Wang Jing also heard some clues and asked: "The banknote is the same as the Jiaozi of the Song Dynasty?"
Chao Yong nodded and said: "Well, banknotes will eventually develop into banknotes. However, in the early days, banknotes were just anonymous deposit slips. As long as you hold the banknote, you can cash in the full amount of coins at the ticket number."
Wang Jing praised: "The prince is smart. Being able to cash out the full amount guarantees the stability of the banknote. Once the banknote comes on the market, it will definitely be popular with large households and businessmen. In the past, they were accustomed to using Jiaozi to pay large amounts of goods.
After the fall of the Song Dynasty, Jiaozi became a piece of paper, and merchants could only use carts of copper and iron coins to trade. Silver notes were exactly what they wanted, and they did not need to
They will take the initiative to use any coercive means as long as they can ensure that the banknotes can be cashed. Of course, the mirror store only accepts cashiers, which can indeed reduce our workload. Today's income is more than 30,000 yuan, and the clerk in the store has no time to count the coins one by one.
, it can only be weighed and verified. But there must be errors. If you have a banknote, this problem will not arise."
Chao Yong smiled and said: "In that case, I will seize the time to make banknotes and make more anti-counterfeiting marks. I will also ask the court to legislate later, and those who forge banknotes will be punished."
Ren Jinnu nodded and said: "I will ask Jin Dajian and Xiao Rang to come over and discuss making banknotes."
Chao Yong admired Ren Jinnu's temperament very much. He nodded and said, "Okay, I'll treat them to a drink. I haven't seen them for a long time."
The jade-arm craftsman Jin Dajian and the holy-hand scholar Xiao Rang are both officials in the court now, but Jin Dajian is in the Ministry of Industry and Xiao Rang is in the Hanlin Academy, drafting edicts for Chao Gai.
The deposit slip for the ticket number was designed by the two of them together with the craftsmen from the Ministry of Industry.
Under Chao Yong's supervision, the craftsmen made a sample of the banknote in just two days. After Chao Yong saw that it was correct, he began to print the banknote.
Chao Yong did not ask the Di newspaper to publicize the banknotes. He just posted a notice at Jingxing Bank, and everyone in the city knew about the existence of the banknotes.
In the past few days, the mirror shop has been extremely popular, with thousands of people queuing up outside the mirror shop. The silver mirrors shipped from the Glass Bureau every day will be sold out at the first opportunity, and some of them are not short of money.
In order to buy silver mirrors as early as possible, large households directly bribed the people in front of them and asked them to buy silver mirrors on their behalf.
On both days, less than half an hour after the store opened, all the newly arrived silver mirrors were sold out.
As soon as the notice came out that Mirror Bank would only accept cashier tickets, people who were waiting in line turned to the ticket office and queued up. Fortunately, the Royal Ticket Office had opened several branches in Tokyo, which diverted a lot of people in the queue.
When the merchants in the city heard that there were banknotes that could be cashed at will, they immediately exchanged many banknotes, which greatly increased the bank's deposits.
As the Ministry of Revenue began to auction fields and real estate in various places, the demand for loans was also very strong, and the money from the sale of banknotes was quickly loaned out, bringing the Royal Bank's income to a higher level.
In a few days, August passed.
On the first day of September, Chao Yong led 100,000 horse and infantry troops and 10,000 navy troops to go out for battle.
Shi Gong, Hu Yanzhuo, Luan Tingyu, Hua Rong, and Qin Ming led 50,000 veterans; Sun Li, Zhang Qing, Huang Xin, Han Tao, and Peng Qi led 50,000 new soldiers; Chao Yong led the first four generals Li Kui, Sun An, and Shi Bao
, Fang Jie, military advisor Xu Guanzhong.
Yum General Han Tao and Tianmu General Peng Qi were the training envoys of Yizhou Regiment before they followed Hu Yanzhuo to attack Liangshan. After they went to Liangshan, Chao Gai wanted them to be on an equal footing with Hu Yanzhuo and lead the troops alone, but they volunteered to become Hu Yanzhuo.
Lieutenant General Chao Gai did not want people to misunderstand that he was worried about Hu Yanzhuo and the others, so he made Han Tao and Peng Qi the deputy generals of Hu Yanzhuo.
When Daliang Jianguo, Han Tao, and Peng Qi followed Hu Yanzhuo to attack Gyeonggi Road, they made many meritorious deeds, so they were promoted to generals and commanded the new army.
Huang Xin, who was in charge of Sanshan, served as the deputy general of the Qin and Ming Dynasties. He made great achievements in capturing Jingdong and Hedong. In addition, he was senior enough and was promoted to general at the same time.
(The captain of ten thousand is the general, the captain of thousands is the captain, and the centurion is the captain.)
Also promoted to the rank of general were Jingmu Yanhaosi who had been Guan Sheng's deputy general, Choujun Ma Xuanzan, Wuyujian Zhang Qing, and Black Whirlwind Li Kui.
Although Li Kui was also a general, he only held the rank of general and did not get the actual position of commander of ten thousand men. Li Kui was unwilling to lead troops, and of course he could not lead ten thousand men.
The desperate warrior Shi Xiu, the vanguard Suo Chao, the red-haired ghost Liu Tang, the nine-patterned dragon Shi Jin, the holy water general Shan Tinggui, the divine fire general Wei Dingguo and others were under Lin Chong's command, because Lin Chong's tribe had never had a chance to fight. They
There is no meritorious service and no promotion.
Because Lin Chong had so many elite soldiers and generals under his command, Chao Yong was assured that Lin Chong would lead his troops to annihilate Wang Qing alone.
Chao Yong did not bluff and play the trick of claiming that 100,000 soldiers and horses were 200,000, 300,000, or even 500,000, but actually 110,000 soldiers and horses.
Also sworn to go on the expedition are Lin Chong's 10,000 troops and Zhu Wu as military advisor. Shaanxi has mobilized 50,000 troops. They will join Lin Chong in Xijing.
Although the two armies of Daliang did not send many troops, they had the potential to shock the world.
These days, through newspapers and word of mouth, the news that the prince built the spaceship has spread all over the world.
Facing the flying Daliang army, resistance undoubtedly requires a lot of courage, not to mention that Daliang had just wiped out Xixia.
As soon as the two armies moved, many state capitals who had surrendered to the Southern Song Dynasty and Wang Qing surrendered.
There were some state capitals on the east and west roads of Huainan north of the Yangtze River that surrendered to the Southern Song Dynasty, but when they heard that the army was marching southward, many officials either abandoned the city and left, or opened the city and surrendered. There was not a single battle, and the Eleventh Army led by Chao Yong
Thousands of soldiers and horses arrived at the edge of the Yangtze River.
The main enemies of the Song Dynasty were the Liao Kingdom and Xixia. The army was mainly infantry. The navy only had two tiger-wing naval forces under the Dianqian Division and the Infantry Division. Under the command of Gao Qiu, the tiger-wing navy had already become a drill.
The acrobatic performance team had no combat effectiveness at all. Therefore, when Cai You attacked Liangshan, he mobilized the Yangtze River Navy led by Liu Menglong.
The Yangtze River Navy led by Liu Menglong can be said to be the largest navy in the Song Dynasty. Apart from this navy, there are only one or two sporadic commanders in various places. It is more appropriate to say that there are hundreds of soldiers and horses who can maneuver boats.
The naval force of Daliang was composed of the fishermen from Shuibo in Liangshan and the Dajiang navy who surrendered under Liu Menglong. The warships were built in Liangshan and obtained from the Huyi Navy. It can be said that they are well-equipped soldiers and strong ships.
After Liu Menglong's navy was defeated and returned to Liangshan, the Song Dynasty did not have time to rebuild the navy in Dajiang.
After Tong Guan established the Southern Song Dynasty in Huzhou, he began to build warships and recruit naval forces, hoping to intercept Daliang soldiers and horses in Dajiang. At the same time, he recruited troops and horses in various prefectures in the south of the Yangtze River to prepare to resist Daliang's southward movement.
Hou Jian flew into the sky, and Chao Gai announced that he would send troops to annihilate Wang Qing on the first day of September. After Tong Guan, Jiangnan was shaken.
Tong Guan supported Zhao Zicheng, a direct descendant of Song Taizu Zhao Kuangyin, to establish the Southern Song Dynasty. Within a few months, the prefectures south of the Yangtze River surrendered. However, Tong Guan's soldiers were divided by Fang Baihua's design. The Western Army surrendered to Daliang. After Daliang wiped out Xixia, this series of events
After the incident spread, many state capitals were shaken.
The state capitals that the Southern Song Dynasty could really control were only a dozen or so state capitals on Jiangnan East Road, which were almost the same as Lu Shinang's power. Not to mention compared to Daliang, they were even weaker than Lu Shinang's power.
few.
After the collapse of Tong Guan's personal army, there were no more soldiers to fight on Jiangnan East Road. Under pressure from Daliang, the Southern Song Dynasty recruited 200,000 soldiers and horses from Jiangnan East Road. Previously, the big families in Jiangnan took the initiative because they were afraid that Daliang would kill them.
They provided money and food to support the army. However, Daliang wiped out Xixia and granted amnesty to the whole country, including the people south of the Yangtze River.
Those big households no longer have to worry about Daliang's post-Autumn settlement, so they are not willing to pay for food to raise troops for the Southern Song Dynasty. What's more, Daliang has already conquered the world. Even if they raise new soldiers, they will definitely not be able to defeat Daliang's soldiers and horses, and they may even create more soldiers.
New sins.
Whether it was the royal family of the Southern Song Dynasty, Zong Ze, or Jiang You, these wealthy households all argued that their families' money and food supplies were no longer enough. They were willing to pay money and food in proportion to the amount like the common people, but they could no longer afford to pay large sums of money and food as before.
The Southern Song Dynasty gathered many upright officials, and they vigorously prevented the imperial court from imitating Daliang and killing wealthy families. In the end, the Southern Song Dynasty imperial court could only increase taxes, and the heavy taxes made ordinary people miserable.
After the Daliang Amnesty, the harm to the people in various places in the south of the Yangtze River was almost eliminated, and many large households took the initiative to open warehouses and release grain to relieve the victims.
The era of great rule was just like this, but the Southern Song Dynasty was not happy. They knew that the powerful people who had harmed the people in the past did not suddenly become good, but they were afraid of adding new sins and letting Daliang rule the world and be held accountable.
The Southern Song Dynasty would rather these powerful people continue to harm the people, which also shows that they will live and die with the Southern Song Dynasty. However, their sudden kindness shows that they are not optimistic that the Southern Song Dynasty can resist Daliang. They feel that Daliang will dominate the world sooner or later, and they are afraid of settling accounts in the future.
, when Daliang troops came to the city, they naturally would not resist with all their strength.
Not only the wealthy families think so, but also the common people under the rule of the various prefectures in Jiangnan.
Although the Southern Song Dynasty strictly prohibited the spread of Daliang's affairs, under the infiltration of Daliang's meticulous work, Daliang's great achievements continued to spread in the south of the Yangtze River. Even many of the Song Dynasty royal family who could not escape felt that they could not resist Daliang.
ps: (The emperor protected me and completed my ascension to immortality, and the awesome disciples of the immortal were hanging around in the city, ISBN 3025324 "The Emperor's General Mobilization")