A merchant brought a cartload of goods and obtained a stack of bank notes, and when he returned to his county seat, he immediately went to Yannan Bank to exchange them for gold and silver.

There is no difficulty.

What's even more terrifying is that it was redeemed in full!

What does that mean?

There are basically two profit channels for institutions like money banks, one of which is naturally loan interest. The other is the handling fee for non-local payment. The bank basically emerged as a custodian of money, not a financial institution. Therefore, there is actually a fee for saving money in the bank. After all, it is inconvenient to trade large amounts, and if you go to some place with a silver ticket to withdraw money, then you will have to pay a handling fee.

However, Gao Li's Yannan Bank does not play like this, especially when competing for customers in the early stage, it is even more unnecessary.

There are no fees for deposits and withdrawals here, and these banks are currently in the red. Gao Li's purpose is very simple, as a latecomer, he uses this method to reserve a large amount of gold and silver when he needs word of mouth, and then gradually exchange the gold and silver for bank bills. If the value of the customer's property depreciates at the time of exchange, it will give people the feeling that they are not free to access and receive. Therefore, Gao Li relied on an entire business empire to support Yannan Bank, and he had to make the transition from gold and silver trading to paper money trading as quickly as possible.

In fact, the emperor has not pondered such a thing as paper money, and the emperor has tried it. But to tell the truth, there are quite a few people in the world who mint copper coins privately, let alone those low-cost banknotes. As a result, not long after its release, it was forced by private counterfeiters to the point that it had to stop using it.

And Gao Li, as a person who has come over, naturally understands.

The paper used for banknotes is not ordinary paper, but cotton fiber mixed with a small amount of wood pulp and some glue is added. Of course, the banknote printing paper in the previous life must have been quite complicated, and Gao Li didn't expect this thing to be copied, but with his technology, it was still easy to make something that others couldn't imitate.

For example, this complex ratio of paper, cotton fiber, wood pulp and latex, which consumes a lot of energy from the scientific team; for example, watermarks, which need to finely adjust the wood pulp to form a special print, and then add security threads, and then press two sheets of paper into one; for example, fine gravure printing, which is as thin as a hair, is the specialty of the agency people.

All of this is the result of a large division of labor and cooperation, and it also requires the assistance of large machinery.

Theoretically, no one should be able to copy these for a long time. Of course, the most important thing is the serial number that has been specially calculated. The three-digit eagle check code plus six digits, the formula in which only a few people know, as long as they don't know what this string of formulas is, no one knows what this thing means.

The price of printing this banknote is even far more than one tael of silver, and with such a high cost, Gao Li's only purpose is naturally to promote his economic hegemony.

However, what Gao Li didn't expect the most was that this new banknote quickly set off a collection craze in the Central Plains.

The reason for this is that this banknote is so good-looking.

Copper banknotes, silver banknotes and gold banknotes have different layouts, the main color of copper banknotes is blue, the back is rice fields, grains, farmers, and the front is the vista of Yannan City; the main color of silver banknotes is green, the back is machinery, real gas locomotives, and the front is also Yannan City; while the main color of gold banknotes is red, and the back is a goddess with spread wings, and the ink of the goddess's wings is frantically added to the broken gold leaf powder! Looking at the light, the wings of the goddess are extremely gorgeous!

In fact, at the beginning, everyone did not agree to let Gao Li add gold leaf powder, because copper powder can also achieve the same effect. However, Gao Li's meaning is very simple, he wants to give them the value of the banknote beyond the banknote itself, and he wants to make these people who use the banknote have a sense of dignity.

At first, no one believed in this kind of thing, but later, everything developed as Gao Li expected. Yannan bank bills began to become popular among the wealthy class.

Wealthy people like to try new things, they like to be different, and they can afford the unexpected. Of course, they mainly believe in Gao Li's credibility.

For example, at this moment, in a famous restaurant in Shangjing, something in Gao Li's plan is happening.

Today, a few rich children were drinking and chatting here, and when it was over, several people rushed to settle the bill, one took out a silver ingot from his pocket, and held it in his hand, one took out a silver ticket and shouted at five and six, and the last one, with a mysterious smile on his face, took out a neatly folded gold bill from his waist.

Not much, just one or two gold.

Then, he proudly said to Xiao Er, who came to settle the bill: "Xiao Er, can we collect gold money in our store?"

When Xiao Er saw it, he immediately smiled and said, "Yannan Bank's? Of course you accept it!" But this master, are you willing to give it?"

The young man laughed and said, "Why is this reluctant?

The little second smiled and said, "This master, one or two gold, is not enough." ”

Then the young man took out a few more silver bills from his bosom and said, "How much is missing?"

A few pieces of paper, after the checkout, extremely chic, the other two were stunned.

"Big brother, yes, I heard that this banknote Yannan Bank is limited to exchange, and you have to make an appointment, my father is back to exchange it, but it's a baby, I want two and he won't give it!"

"Hahaha, brother doesn't know, our family has business with Li Zhuang, this settlement, my father specifically said that he wanted to settle with paper money, and the other party was not very willing. As a result, I said that thirty percent of the banknotes in it were used, didn't I ask my father for a few!"

"Let's take a look, let the brother also have a long experience, I heard that this banknote can be finely made, and it will not rot after washing, and you can still see a 'Li' word in the light?"

"Yes, yes, I heard that Princess Yannan's light wing ink is actually made of gold dust?" said another person.

"Not bad!" As he spoke, the young man took out another one, also one or two gold, and several people got together and studied it carefully, and then there were people around who came over and joined the group, and for a while, it was very lively.

When someone buys something, either you have to pull out a string of tattered copper-smelling money strings, or you have to wait for the boss to weigh the money before you can pay for it. And what about this distinguished person? Elegantly took out a gold bill, and the brilliant golden wings blinded the eyes of all kinds of rich people, that magnificent? Is there a kind of local tyrant pleasure like taking out a centurion black gold card in a country restaurant?

And this is the effect that Gao Li wants to achieve. This regocratous effect will in turn radiate to the middle and lower classes. Because everyone will default to such a logical concept: if these rich people can use it with confidence, then what are we ordinary people worried about?

Palace.

At this time, the emperor was holding a gold note in his hand, and the eighth prince was beside him, and he still had a few silver and copper bills in his hand.

"Gao Li, this little bastard, really dare. The Emperor said.

"Yes, he actually issued his own money. The eighth prince said.

"What I'm saying is that he actually printed his daughter-in-law on the banknote!" said the emperor.

On the front is a big 'one or two gold' denominations, and on the back, golden wings of light, this person is not Ling Long, who else can it be?

"Your Majesty, do we have to take care of this kind of thing?" asked the Eighth Prince.

The emperor said, "What should I do? This thing is no different from gold and silver tickets, all the money banks in the world can send it, others can send it, and I won't let him send it? Unless this little bastard suddenly doesn't allow him to exchange gold and silver, I can't care about it." ”

The eighth prince said: "But you can see what this means, but it's not just used as a silver ticket." ”

The emperor smiled and said, "It's not easy to deal with him?" Let Gewuyuan take a look at this gold and silver banknotes, imitate a batch, put them on the market, and let's exchange the silver." How can it be so easy to issue your own money? ha!"

As soon as the emperor gave the order, the Gewuyuan immediately took action.

Today, Gewuyuan is already a huge technical institution, attracting talents from all over the world. If the emperor wants to imitate Yannan bank bills, he must need talents from all walks of life, papermaking, ink, and engraving, all of which are indispensable.

It didn't take long for the first counterfeit banknotes they had counterfeited to be delivered to the emperor.

When the emperor saw it, he frowned first, and the hunched bachelor didn't even dare to come out at this time.

"This thing, even I can see at a glance, who do you expect to fool?" the emperor threw out the 'one or two gold' and floated in front of the bachelor's eyes.

"Back to Your Majesty, the banknote made by Gao Li is of excellent workmanship, the paper is strong, water and oil resistant. We have found many long-established papermakers, but we have never been able to try the recipe for this banknote. The bachelor's voice trembled.

"Where's the dark pattern here?" said the Emperor, pointing to the watermark on the location of the genuine banknote.

"Back to Your Majesty, the dark pattern can be reluctantly imitated, and Gao Li should also use two pieces of paper and one paper, but at present, we don't know how this Li character is made like this. ”

"I don't know this, I don't know that. You see, the color of this ink is not bright enough, but the gold dust is used a lot. Also, what does this string of characters mean, do you know?" the emperor asked, the string of Arabic numerals.

"Back to Your Majesty, we compared, the first three of this thing are Eagle Text, which I know, and the back meter should be the corresponding number, but how it corresponds, we don't know, but according to this seal, it is right after all. The bachelor said.

"Fart! These things are going back to Yannan Bank after all, and once they are exactly the same, won't they find out immediately?" the emperor said in a loud voice, "How did I raise you bunch of waste?"

The bachelor said: "Your Majesty, it's not that we are waste, but Gao Li uses methods that we have never heard of, and the ministers have not closed their eyes for several days, and it is really not easy to imitate this thing." ”

When the emperor heard this, he couldn't help but rub the corners of his forehead. took a deep breath and said, "Forget it, I don't blame you, it's not your fault, you can continue." ”

"Thank you, Your Majesty!"

"Let's go down. ”

"Yes, the minister retired. ”

After a long pause, the emperor picked up the real one or two gold on the table, looked at it carefully for a while, and said, "Little bastard!"