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Hu Xueyan found Long Xiao when he came back from the capital: "Lord Long, I have a bold idea and want to talk to you", Long Xiao: "Hehe, what's the matter, and you made a special trip back from the capital?" Hu Xueyan: "I want to make a golden ticket", Long Xiao was stunned: "Isn't it a silver ticket now, isn't it enough?" What are the benefits of the Golden Ticket? ”。 Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 infoΩ81ΔHu Xueyan has his own reasons: "Lord Long, there are more than 5o silver tickets in the country now, which can be described as a mixture, and sometimes they will refuse to pay because of the quality of the silver tickets, which is also there, and the golden tickets are not available in the country, so someone needs to try";

"Now there are more and more gold, simple silver tickets are not satisfied with the use, there is, the exchange ratio of gold and silver has been one to one hundred, in this way, has been the exchange of silver tickets, gold is almost in physical circulation, which is very unfavorable to the reserve of gold, especially we open a bank, if the line of gold tickets, it is a good solution to this problem, just with paper gold tickets, it is more convenient to transport, will make our money bank storage has a big jump."

Long Xiao thought about it, it was also a good idea, but in this way, it was very likely that eighty percent of the country's gold would be concentrated in Hu's Money, although this Hu's Money Village had huge benefits, it also had huge risks. In peacetime, it's okay to have no war, but if there is, the responsibility is even greater. However, Long Xiao is still quite confident, as long as he finds the Mo Evil Divine Sword, he can refine this other world, and when the time comes, not to mention the Sui Dynasty, that is, all the countries in the entire other world will act according to their own will, and their own ideas are the norms of the other world, so there is no need to worry about anything.

Based on this idea, Long Xiao agreed with Hu Xueyan's idea, and Hu Xueyan began to make golden tickets in Hu's Qianzhuang, and the face value of the golden tickets was 1 tael, ten taels, one hundred taels, one thousand taels, ten thousand taels, one hundred thousand taels, one million taels. However, the amount of gold tickets above 10,000 taels is not large, only for some special users, and the general is under 10,000 taels, which greatly facilitates the gold circulation of those merchants, especially those salt merchants in Shenwu County, and finally does not have to hold thick silver tickets.

It is not a simple matter to make a golden ticket, and Hu's money village first made a golden ticket in the capital, which caused a sensation among peers. Because of the golden ticket, you need to have the same amount of gold reserves, which is not available in ordinary money banks. It would be good for a small bank to have a reserve of several million taels of silver, but the reserve of gold is different, and few money banks will reserve gold. The amount of Hu's money bank was 2o billion taels of golden tickets, which were immediately snapped up by merchants in the capital. There is even a way of premium, according to Hu's money and the current industry rules, a tael of gold is this 1oo taels of silver, and it is also said that 1oo taels of silver can be used to buy a tael of gold tickets of Hu's bank.

However, Hu's money only made 2o billion taels of gold tickets, which is equivalent to 2ooo billion taels of silver, which is not enough in the huge market of Beijing. The competition of merchants caused a shortage of goods, and the golden ticket of Hu's money was at a premium of 11o taels of silver and a tael of golden tickets, a full premium. Despite this, the golden tickets of Hu's money are still in short supply, and Hu's money village has absorbed 2ooo million silver without much effort, and there is no need to pay interest on one or two silvers. Every year, it will bring 2oo billion taels of silver to Hu's money bank.

Of course, the line of 2o billion taels of gold tickets requires a reserve of 2o billion taels of gold, and in the past three years, Long Xiao has only provided 18oo million catties to Hu's Qianzhuang, that is, 180 million taels of gold, and Hu Xueyan dares to make 2o billion taels of gold tickets, which is also a bold move. Long Xiao once asked Hu Xueyan: "You have so many golden tickets, if everyone goes to withdraw gold, what will you do?" ”。 Hu Xueyan smiled mysteriously: "It's very simple, if the gold is not enough, just use silver to make it, and if it's a big deal, use 2ooo billion taels of silver reserves." When Long Xiao heard this, he couldn't help but admire Hu Xueyan's boldness, he really deserved to be born in a money bank, and he was very proficient in the theory of eight jars and seven lids, and he was also able to learn Li Dai Taozhuang.

Of course, there are also gold to buy golden tickets, and the backer prince is one of them, and the backer is in charge of the top ten gold mines in the country, and the annual mining volume is 100 million taels, if it is all at home, it is not a way. Over the past few decades, the king has saved billions of taels of gold, which is also a great trouble for the king of the backer, not only is it inconvenient to circulate, but it is also a thankless thing to take care of the gold.

As soon as the backer saw the golden ticket of Hu's Qianzhuang, he intended to buy it, but the golden ticket of 2o billion taels was sold out in a month, and the backer prince was very unhappy, so he sent someone to discuss with Hu's Qianzhuang that the billions of taels of gold in his family should be exchanged for golden tickets, which saved a lot of trouble, and the other is to reward the army and buy military rations, or it is cost-effective to use gold tickets and silver tickets.

Hu Xueyan looked at it, what the backer king ordered, even if there is none, there must be it, and if there is no reproduction, the backer king can't afford to offend. Just discuss with the backer prince, it is a bit too much to exchange all the gold for a golden ticket, so I will make 1o billion taels for the backer prince alone, and the rest of the gold is better to reserve cash. When the backer heard this, he also felt that it was good, if there was a war, the silver and gold tickets would lose their meaning, and they would still be real money, so he agreed to Hu Xueyan's suggestion, just exchange 1o billion taels of gold for gold.

In this way, Hu's money village suddenly had a reserve of 1o billion taels of gold, and the problem of gold shortage was solved at once, which even Long Xiao did not expect, and the backer prince would exchange his gold reserves for 1o billion taels of golden tickets. Of course, there are also Hu's money houses that have become big, and they have spread all over the country, and the backer Wang Ye also saw the reason why Hu's money village would not collapse easily, so he was relieved to boldly exchange golden tickets.

There are more than 1oo other money houses in the capital, large and small, and there are 5o bank tickets. Even the backer prince uses the promissory note of the Hu family, and the royal family will continue to use it, and even the emperor rewards him, and sometimes uses the promissory note of the Hu family. The other 5o money banks are slowly unused. In this way, all the gold and silver will flow to the Hu family, and it will be difficult for other banks to do business. Other money banks have finally persuaded Hu's money banks to cancel the high deposit interest, and now they have implemented this trick, which is also ruthless enough. As a result, more than 100 money banks in the capital gathered to discuss countermeasures.

Some said, "We also want to implement the practice of interest on deposits, so that many merchants will return to our bank to deposit." Our days are better." Some said: "We lower the loan interest rate, so that all the merchants in the capital come to our money bank to loan, it will effectively defeat the Hu money bank", the result is not a way, some retorted: "Once our deposit has interest, Hu money will also have interest, we are not able to compete with Hu money bank, they have the support of the backer prince, it is 1o billion taels of gold reserves, how do we fight, that is, we have more than 1oo silver numbers united, there is no 1o billion taels of gold."

Someone came up with an idea: "I think the competition is no match for the Hu Money, why don't we join forces, use the Hu's money and gold tickets in a unified manner, and gradually abandon our own silver tickets, so that we will transfer the huge reserve pressure to the Hu Bank, and their reserves are equal to ours, and we can sit back and enjoy it." The person who came up with this idea is definitely a talent, even Hu Xueyan didn't dare to think that as long as all the silver numbers use the silver and gold tickets of Hu's money, it means that everyone is a family, and it doesn't matter who is with whom.

Although this idea is good, it must also be agreed by Hu's Money, otherwise, once there is a run, Hu's Money's Dealer will be troublesome if he does not admit it. The representative of the 1oo family alliance found Hu Xueyan and discussed the issue of the unified use of Hu's money bank's silver and gold tickets across the country. When Hu Xueyan heard this, this is a huge opportunity, in this way, he is the general number of the country's money bank, and there will be no problem of run, plus there are more than 1oo joint accounts in the country, and he is invincible.

Hu Xueyan immediately agreed to the request of the 1oo family number, and the whole country implemented a unified silver and gold ticket, that is, the gold and silver promissory notes of Hu's money bank, and the other silver bills were withdrawn from circulation after 2 years. Hu's money village took the opportunity to order the whole country, and the silver numbers in various places also hurriedly exchanged the silver tickets of Hu's money bank. Hu Xueyan took this opportunity to open Hu's money bank all over the country and undertook the gold and silver reserve business of the national money bank.