One day, we were wandering leisurely in the market, and suddenly saw a gray-haired old man, panting with a wheelbarrow pushing a large pile of iron money, came to the cloth shop to buy cloth, which in the eyes of modern society, is like pushing a large box of coins to buy things, must be incredible. Pen %Fun %Pavilion www.biquge.info but these Great Song people didn't look dumbfounded, because everyone had already taken it for granted. Because although the raw materials of this iron money are relatively cheap, the value of the bottom is heavy, the weight of each thousand iron money, the big money is 25 catties, the middle money is 13 catties, and the iron money is not valuable, a copper coin can be worth ten iron money, so the common people of the Great Song Dynasty, but all to buy such large goods, have to travel thousands of miles, carts to come, buy small goods also have to carry a heavy bag, extremely inconvenient.

I sighed and said, "Actually, in the final analysis, this matter mainly stems from Taizu's order to recover the gold, silver and copper coins of Sichuan, mint iron coins for substitution, and forbade the bringing of copper coins into Sichuan, so iron coins became the main currency here." Secondly, the development of the commodity economy in the Song Dynasty was relatively fast, the shortage of copper money, could not meet the demand in circulation, and finally the non-unity of the national currency, 13 roads (administrative units of the Song Dynasty) special copper money, 4 road special iron money, Shaanxi, Hedong copper and iron money both, each currency area and its own line, strictly prohibit the outflow of currency. ”

Xiao Fei said with deep feelings: "Yes, Ziyue, you see that it is not very convenient to use money, I am out of the house, I have to bring a lot of iron money a day, now on the market, there are fewer and fewer copper coins, and the iron money is not heavy, fortunately, we have practiced martial arts, and we feel that we can barely be as light as a swallow, but you see that other ordinary Song people have suffered." Moreover, the road to the outside world of Shu Han is extremely rugged and difficult, so Li Bai wrote the poem that the Shu Road is difficult and difficult to go to the blue sky. ”

I turned my head to see, but this is not the case, those people of the Great Song Dynasty carried heavy iron money, and went to the market to buy things in large bags and small bags, especially the old and frail old people were hunched over, one step at a time, it was really hard.

I couldn't help but feel and said: "Oh, why hasn't paper money appeared during this time? It's really inconvenient to trade, if only there was a light and thin renminbi in modern society, this is so annoying to use money, you see my money bag is getting heavier and heavier, but there are fewer and fewer things to buy." ”

Xiao Fei said indignantly: "Then what should we do, we can't take out the renminbi in modern society and use it, but then again, I still have a lot of 100 yuan bills, but I don't need to send them, these Song people don't recognize this currency." ”

I had an idea and said, "I have a way, we can make something out of nothing, and now there is no rule that only the state can issue banknotes, we can find those banks with reliable credit, and let them issue them on a small scale by themselves, so that we can use it much more conveniently." However, I am an amateur in how to issue banknotes, so this important task will be left to you. ”

Xiao Fei was puzzled and said, "But how do you know that you will succeed? How can you be so sure that people will listen to you when the time comes?"

I shook my head and said: "That depends on my three-inch incorruptible tongue, haha, sometimes the power of language is still not to be underestimated, don't you know that one person's discrimination is better than the treasure of Jiuding, and the three-inch tongue is stronger than a million teachers." The so-called word can prosper the country, and a word can also mislead the country. ”

Xiao Fei said disdainfully: "Oh, you can say it, but don't talk about it, it's a mule or a horse, you won't know until you go out to yo." When the time comes, it is really the real ability to move them. ”

We said to do it, and immediately found a key person - Deng Gongzi, the key is that there are several money houses under his name, although Deng Gongzi didn't know what to do, he still received us with a smile.

I threw bricks and jade and said: "Deng Gongzi, you see, in recent times, there has been a lot of shortage of copper coins, and iron coins are popular, but if you buy some small things, you will feel a lot heavier when you buy ordinary things, and it is very inconvenient to use." ”

He said thoughtfully: "Yes, there is this problem, you two came to me so happily, did you find a copper mine?" This ancient people's thinking is different, and they can't keep up with our thinking at all, so I have to get straight to the point and say: "Actually, I think that just trading, with paper money, can also achieve such a function, so that there is no need to use such a heavy iron coin, and it is more convenient to trade, I hope Deng Gongzi will adopt it." ”

Deng Gongzi was stunned and said: "You are not wrong, paper money? The rain of the bamboo leaves silver candles and tears, and the falling flowers and wind rush the money and ashes. Isn't that the dark coin? The Eastern Han Dynasty of Shiyun began to have paper, and the paper was made by Cai Hou. Why is there no paper, and when there is no ghost, the poor and hungry. He also said that the paper made by Deng Hou's younger brother did not look good, so it was used as a dark coin. Do you tell me to use the dead man's money flying in the sky during that time of mourning, ah, it's terrible to think about, how unlucky, how unlucky, how unlucky, I resolutely don't use it, don't use it. ”

Seeing his panicked appearance, I hurriedly said: "Of course it's different, we are paper money, of course it's not money for the dead, it's money for the living, it's very different, you think, it's lightweight, and it's easy to make, how good." ”

"But what you said also has some truth, this proposal is good," he blinked his cunning little eyes, thought for a while, and asked again, "But when the time comes, pieces of paper are everywhere, you must know that people are unpredictable, if those who are not bad intentions deliberately imitate the banknotes of our bank, when the market is the most popular, mixed with fish and dragons, true and false, then what can I do? Isn't my money bank doing a loss-making business? Am I not giving up all my efforts?"

This merchant is really a businessman, no businessman or treacherous, and he thinks so well that everything is really big and small, and everything is not leaky. Before I could open my mouth, Xiao Fei couldn't wait to say: "Actually, it's very simple, we can add special symbols, and then it will be ordinary paper money, and it will become a paper money that can be recognized but others can't follow suit, by the way, this is still my patented technology." ”

I wasted no time in adding, "Yes, when the time comes, put your portrait in paper money, so that everyone can admire your glorious image." At that time, not only in Lizhou, but even in Yizhou (Chengdu), and other major places in Sichuan will be able to know the famous name of your Deng Gongzi? Moreover, the production cost of paper money is low, which is very convenient, and it is a piece of cake in the Great Song Dynasty, where printing technology is so developed. ”

"Really?" he looked a little moved, this heart is not as good as action, let's take the hot iron, just do it. I really didn't expect that this Xiaofei is quite powerful, in addition to imitating famous paintings to fake and real, he will actually have the anti-counterfeiting technology of RMB, printed beautiful banknotes, and the production is very exquisite, there are overlapping houses, mountains and mountains, black and red, and the painting ability can be seen. However, if this person produces paper money, if it is put in modern society, he will definitely be imprisoned for the crime of counterfeiting the renminbi, but fortunately we are printed in the Great Song Dynasty, which does not know what paper money is.

In this way, the earliest banknotes appeared first in Sichuan. Of course, we also kept our word, and printed the portrait of Deng Gongzi, of course, Xiao Fei also lost no time in getting the portraits of the two of us, when I saw these big Song banknotes, it was so exciting, I laughed and said: "This lifelike person is really me? This Song Dynasty currency is actually engraved with my portrait? I actually put on the renminbi." But Deng Gongzi was anxious: "Where is my little statue? Why haven't you seen it for a long time?"

Xiao Fei calmly pointed the back of the coin to the sunlight and said, "Deng Gongzi, please see, your portrait is a sign of anti-counterfeiting, so in an inconspicuous place, you have to look at the sun like this to see it." ”

Deng Gongzi pouted and said, "That's not good, you see how energetic you are in the front, but I am silently hiding behind." I'm going to be on the front too. ”

Xiao Fei said: "Deng Gongzi, you are a well-known person here, if you stand in front at a glance like this, everyone will see it, it will definitely not be good, and if you let those who do evil have bad intentions, it will not be good to kidnap you or your four wives who are like flowers." ”

Deng Gongzi covered his mouth, frightened, and immediately said gratefully: "It's still thoughtful, and it makes too much sense to say it, so let's do it." ”

I smiled and said to Xiao Fei: "You see, because of our existence, it is only our appearance that accelerated the emergence of paper money in advance, and also allowed Da Song to get the honor of the first country in the world to issue paper money, we really have outstanding credit." ”

Xiao Fei said seriously: "This is not our credit, this is the inevitable accident, it is precisely because of the vigorous development of the economy of the Great Song Dynasty that there will be the issuance of banknotes, if it is not us, there will be other people." ”

I looked at these beautiful coins and thought out of it and said, "Xiaofei, then you say, if one day we are lucky enough to return to modern society, do you think that in their modern archaeological discoveries, will there still be banknotes engraved with our glorious image?"

Xiao Fei sighed and said, "Oh, I think it's very difficult for this banknote from more than a thousand years ago to be preserved." ”

The banknotes were so popular that they would rather spend a hefty fee of 3% per 1,000 coins than carry such a heavy amount of iron money. Originally, we named it the Great Song Dynasty, but the local people agreed to call it Jiaozi, which is a local saying in Sichuan, which is the general name of the ticket and the ticket, and the meaning of the coupon to take money, which is very easy to remember, and everyone is called it.

Soon after, see Deng Ji money village business boom, other money banks have followed suit, the branches of the money all over Sichuan, to Yizhou, small to the village community, for a time, the way to go, private friends are used everywhere, everyone feels very convenient, Xiao Fei specially hired as an expert, the anti-counterfeiting technology unreservedly used in the money bank. In order to keep pace with the times, Qianzhuang has also changed its name to Jiaozipu.

Later, under the guidance of Xiaofei's theory that the cake can be bigger, the money banks that operated independently abandoned the previous tradition of standing on three legs, going their own way, and never getting along with each other, and began to cooperate sincerely for mutual benefit and win-win results, realizing the joint establishment of more than a dozen local wealthy households to jointly establish a franchise to issue and exchange "Jiaozi", and jointly issue "Jiaozi". After the union of the bank, the role of UnionPay in modern society has been realized, and money can be withdrawn from any money bank, and it has also realized cross-bank withdrawals in different places, so that when the people of the Great Song Dynasty go far away, they don't have to bring a lot of cash, and they can withdraw money directly in the local money bank.

They also took advantage of the hot iron to expand hundreds of branches in Sichuan, so that the business also expanded, and the income was much more. Because Jiaozi shop households are credited, take it at any time, the printed "Jiaozi" pattern is exquisite, hidden as a mark, black and red mistakes, handwritten words, others are difficult to forge, so "Jiaozi" has won a high reputation, more frequent transactions in big cities, I heard that it is even hotter in Yizhou, everyone is scrambling to use Jiaozi.

In addition, we have also given the bank more functions of a modern social bank. Xiao Fei said step by step: "By the way, Deng Gongzi, we can also launch a credit card." First of all, it is used by high-quality customers, and you can also do one yourself, so that you don't have to bring cash, which is very convenient. ”

Deng Gongzi was puzzled and said: "What kind of good thing is this? What is it in your little brains, can you really think about it, it is really a rare genius, a business wizard." ”

Xiao Fei said triumphantly: "Actually, this thing is also called a credit card." It is a non-cash transaction payment method, which is issued to the cardholder according to the user's creditworthiness and financial resources, and the cardholder does not need to pay cash when spending with the credit card, and will repay the loan on the bill date. This will facilitate the circulation of our bank. He also whispered to me smugly: "Actually, the reason why I am so familiar is because part of our thief company's business is for credit cards. ”

After Deng Gongzi listened, he clapped his hands and applauded: "This is a rare good idea, why didn't I think of it?" immediately began to issue sales, because there was a habit of credit in ancient times, but it was very troublesome, and now they take credit cards to consume, and they don't need to take credit anymore, they go directly to each store to keep accounts, and at the end of the month, the money village will settle again, and those who have mobile phones will directly send them bills in the past, and they will not be notified of repayment by letter.

This ancient man was more honest, so credit card sales were booming. And the various dignitaries and aristocrats, local tyrants and landlords are proud of having credit cards, simple and convenient, the key is that you can be at your fingertips, you can swagger to buy all kinds of goods home without paying, so that the people next to you look at themselves with admiration, this feeling is really comfortable, as if it doesn't cost money, however, most people are still dumbfounded at the end of the month, how to consume so much.

We have also opened the mortgage function of the bank, such as the big deal, for a while the money can not be turned, you can mortgage the property to the bank, to the specified period, if the repayment and interest are repaid on time, it will be returned intact, so as to alleviate the problem of financing difficulties, but also let many businessmen come back to life, because for them, once the capital chain is broken, only the family is ruined. Now the appearance of this function of the money village has solved the problem very well, and those businessmen who are on the verge of bankruptcy have finally withered in the spring, and they are naturally grateful to us, and they are grateful to Dade, but as for the function of the money village to be developed? For the benefit of the local people? Xiao Fei and I continue to meditate.

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