It's not just the ability to deposit and withdraw money.

There is also the ability to try to issue paper money.

Something like a silver ticket.

A piece of paper is used instead of metal money in the market to circulate.

As long as the bank appears, there will inevitably be such a thing as an ancient silver ticket, which may not necessarily be called a silver ticket, but he has the function of paper money.

For example, if someone deposits 15,000 baht in Liu Zheng's bank, then Liu Zheng will issue him a silver ticket with 15,000 baht of money.

He only needs to hold this silver ticket, which is equivalent to being able to have 15,000 baht coins to trade, and anyone who only needs to take this silver ticket to the money bank can exchange 10,000 five-baht coins.

In this way, this thing, this bill is equivalent to paper money circulating in the market.

Of course, banks have a more important role for Liu Zheng.

That is the wealth absorbed in the people.

It allows him to have a lot of money in a short period of time.

For example, if you use a small amount of interest to store 15,000 baht in the bank, you will get 10,000 500 baht after a year, of which 500 is the interest on the 10,000 baht.

Some people's money is put in their own hands, and it is also put in the bank, and there is interest, so why not do it.

As long as the credibility of the money bank established by Liu Zheng is good enough, and these notices are issued in the name of the state, it will always attract many people to deposit money in the bank.

In the past, Liu Zheng may not have been able to exert such a strong credit ability, but it is more convenient to do this in the name of the country after becoming emperor.

Liu Zheng briefly described some of the functions of the bank in later generations to Mi Fang.

Mi Fang is a perennial person who deals with money, and he can easily hear the role and ability of this money bank described by Liu Zheng.

Suddenly his face was shocked, and after understanding the benefits that it could bring to Liu Zheng, Mi Fang directly agreed to Liu Zheng without even saying any questions about opposition.

"Your Majesty, the money bank you are talking about is really a wonderful idea, which can alleviate our financial emptiness in a short time!"

"In particular, the concept of paper money mentioned by His Majesty really amazes me!"

Not to mention that Mi Fang will be shocked, the real paper currency will not appear until the Song Dynasty thousands of years later.

And the paper money that can really be accepted by everyone will wait until more than a thousand years later.

And Liu Zheng has put forward this concept now, which will naturally surprise these ancients with great admiration.

"Your Majesty, although your idea is very good, if someone cheats on our paper money and keeps withdrawing money from our bank, won't we lose a lot?"

Mi Fang quickly expressed his doubts, considering that this matter could be successful, but at the same time there were many unstable factors, he asked Liu Zheng about these factors.

"Actually, this is also very simple, we divide paper money into two types."

"One is to exist as a currency in circulation, suppose we set it as a golden ticket. The golden ticket can be a fixed amount, such as 5,005 baht, 15,000 baht, 55,000 baht, 100,500 baht or even 1,000,000. ”

"These golden tickets can be circulated in the market, anyone can exchange them for him when they get it in the bank, but at the same time, in order to prevent counterfeiting, these golden tickets must be in accordance with a specific code, and even make a variety of anti-counterfeiting means, which can always play a role in preventing counterfeiting."

"There are many kinds of anti-counterfeiting means, such as making complex patterns on the golden ticket, which is difficult for people to imitate, and we must use specific paper to make the paper of the golden ticket.

"And let's make another rule, whoever catches the counterfeiter will be punished by the nine clans, and written into the law, which can somewhat prevent some such situations from happening."

Compared with the fear of others counterfeiting, some of the harms caused, in fact, the emergence of money can really bring more benefits.

In contrast, Liu Zheng can endure these small drawbacks.

However, after all, this matter is very important, after Liu Zheng discussed it with Mi Fang, he did not directly start to let Mi Fang implement it, but invited the four auxiliary ministers of his cabinet to come and discuss.

I want to discuss the feasibility of this bank, as well as the specific operation methods.

Xu You, Shi Xie, Gu Yong, and Zhang Zhao were summoned by Liu Zheng, and immediately began to discuss the feasibility of this money village with Liu Zheng.

Among the four of them, Xu Yu does not have a high right to speak about Qian Zhuang, because he does not understand the existence of this thing, while Shixie and Gu Yong know each other relatively well.

Because both of them are from big families, and they are both in the family, and they have some ways to do business and trade, they can understand the convenience brought by Liu Zheng's money bank.

Leaving aside the so-called silver ticket system, the mere fact that the money bank provides the storage of coins can bring a revolution to the world.

In this world, there is no shortage of rich people, but the money of rich people cannot provide a good guarantee, there are too many robbers and thieves, and they often enter the house to loot, and if they can deposit the money in the bank, only they can withdraw the money.

Many people will put their money in the bank for safety reasons, not to mention, in this bank, they can also provide them with a part of the interest, which makes them more willing to put money in the bank.

And then there is the existence of the golden ticket, which is simply an existence of detonation nature.

You must know that the five-baht coin of the Han Dynasty is a small copper plate, a single one, which does not look big and is very convenient.

However, the things of this era are not cheap at all, and many times, a meal in a restaurant costs two hundred five baht, and a pot of wine costs dozens of five baht.

And if it is a crochet house, horses and other things, then it will cost tens of thousands of five baht at a time.

One, a dozen, or even dozens, hundreds are not much.

But after tens of thousands, it is not easy to move by hand, but needs to be packed in a box.

Especially when Liu Zheng was doing business with the Mi family before, the money he earned was millions, or even tens of millions.

That's going to have to be transported by horse-drawn cart.

And if you can have a golden ticket and a few pieces of paper, you can represent millions, or even tens of millions of five-baht coins, wouldn't that be a beautiful thing?

So after some deliberation among several cabinet ministers, it was decided that this thing had to be done, and the sooner the better.