Currency!

This is what Guo Dan dreams of.

Whoever gets the money gets the world.

Throughout the history of the demise of dynasties, the shadow of the currency crisis is indispensable.

The key is that the reputation of the Ming Dynasty court is corrupt, whether it is treasure money, or salt citation, or whatever, no one believes in the court anymore anyway, this has even reached the point where it has reached the point of no return, the court has almost given up coinage, and every emperor will mint some coins when he takes office, and it is no longer for economic needs, which is simply a golden opportunity for Guo Dan.

If the imperial court controlled the currency, Guo Dan naturally wouldn't think much about it, but now it is completely out of control.

Since you can't, then I'll do it.

Hu Du and Xu Han seemed to understand whether they understood or not, and they felt that it seemed to make sense, but the question was why I had the final say.

Not to mention Aunt Xu, a layman.

Although Aunt Xu is Kou Zhuansha's teacher, she is still a little worse than these real businessmen.

Hu Du asked with a puzzled face: "Consultant Guo, we don't understand very well, how much is this worth, how can we have the final say?" ”

Guo smiled lightly: "You have sent me so many congratulatory gifts, then I will also send you a congratulatory gift." ”

As he spoke, he glanced at Chenchen.

Chen Chen immediately stepped forward, only to see that he was holding a very fine box in his hand, and when this box was opened, there were three very fine round coins, made of copper, silver, and gold.

"What kind of coin is this?"

"A Nuo coin." Guo smiled lightly.

"Mint coins!"

Hu Du suddenly reacted and said, "What does Advisor Guo mean that Qian Zhuang is going to mint coins?" ”

Aunt Xu was also slightly surprised.

Guo nodded with a smile and said: "That's right, at the moment, whether it is a money bank or a tooth shop, every time when collecting silver taels, they have to send special people to screen the silver, which is too labor-intensive and material-intensive." It would be more convenient if all the money on the market was produced by us, and the value was defined by us. ”

Xu Han shook his head and said: "That's right, but how is this possible, now the imperial court doesn't mint much currency, how can we do it, the key is that we don't have such silver and copper!" ”

Guo Dan said: "Qianzhuang will build a large-scale minting workshop to help others mint currency, that is, they bring silver, and we will help them mint coins." ”

Hu Du asked, "Does this collect money?" ”

Guo smiled lightly: "Of course you have to collect money, this is a transaction, and the minting workshop also has to make money!" ”

Aunt Xu couldn't help but be curious: "Then why did others come to you to mint coins?" Not to mention that there is still loss in the middle of the coinage. ”

Guo Dan asked rhetorically: "What if our coin is a fire-free coin?" ”

"Free... Flame-free coins? ”

Hu Du and the others were all taken aback.

Aunt Xu's eyes lit up, this trick is really amazing!

Guo Dan nodded and said: "But if you use our currency, you don't need to pay any fire tax, and our copper coins can also be used to pay taxes. ”

Based on the premise of free fire consumption, a nod currency will be unified with the Ming Dynasty.

The biggest problem left by Zhang Juzheng's reform is that the fire consumption tax, not only does not reduce the burden on the people, but also increases, if this kind of currency can be exempted from the fire consumption tax, then everyone pursues this kind of currency, and everyone is of course willing to spend money to mint this kind of currency.

But the question is, is it really possible to be exempt from the fire consumption tax?

Hu Du asked, "Could it be that Advisor Guo has already discussed it with His Majesty?" ”

Guo Dan nodded.

Of course, Wanli agreed, and almost did not hesitate, because the fire tax fell on the officials, and he had nothing to do with half a dime, and it was not too cool to exchange other people's interests for currency control.

"This...!"

Hu Du suddenly felt that he was a rat!

If all the gold, silver and copper in the world come to Yinuo Money Village to mint coins, what a big deal this is!

It's sent!

Twenty percent of the shares are simply too profitable.

Xu Han said: "But there will still be some problems in coinage, and shoddy counterfeit coins have often appeared in the past? ”

Guo smiled and said: "You can imitate the color of this silver coin, if it is exactly the same, then I don't care." ”

Xu Han looked at the silver coin, it was indeed very exquisite, the pattern was very simple, on one side was Wanli's favorite silver ingot pattern, and on the other side was the word "letter", which means a promise of gold, and the color is bright, but it is grainy to the touch.

In fact, since Guo Dan contracted the taxes of Weihui Mansion, he has been smelting silver ingots, because according to the contract agreement between him and the imperial court, he is exempt from fire consumption tax, and he must hand over the silver ingots to the imperial court.

The technology of this silver coin is really a technical precipitation over the years.

Of course, this is all based on the fact that the Ming Dynasty had already made a qualitative breakthrough in smelting technology, especially in alloys.

Guo Dan said: "Of course, our currency will also be the most genuine in the world, the value of each silver or copper coin is almost equal to its actual value, why is it almost, it is because it includes part of the fire consumption and coinage costs, but this cost is very reasonable, and this cost is borne by everyone, which is fair to everyone." ”

Hu Du suddenly smiled so hard that he couldn't close his mouth, and said: "If our coins can be exempted from fire consumption tax, of course there is nothing to say." ”

Guo Dan said: "Once the merger, our first business will be to promote our mint, and then Your Majesty will also order that we be given the right to exempt one Nod. from fire taxes." ”

"That's fine."

Everyone is full of confidence.

The fire tax is several times the existence, so why do you still need to publicize it?

It's a nod that everyone will ask for!

And the reason why it is named a noto currency is because the reputation of the emperor and the court is not very good, if it is called Daming Tongbao, it really sounds scary.

Guo Dan added: "Our second largest business is storage and exchange, which is also the foundation of our existence, and we will usher in a very large-scale branch expansion, and improve the procedures." As for lending.

I classify it into three categories, the first type is to give loans to ordinary people to help them with emergencies, this type must have a mortgage, but the interest is very small, not purely for the purpose of profit, more to help the people, so that they trust us Yinuo Money Village, earn reputation, and can also accumulate a lot.

You know that Yinuo Qianzhuang can have today, all by a letter, as for your previous set, don't mention it again, you make little money, and you may be scolded, which is an important reason why I refuse to accept your tea house business. ”

Hu Du looked embarrassed.

They are all usury, not open a good church, if the people can't afford to pay back, they will naturally force their family to ruin.

But for Guo Dan, this interest money, he is infamous for it.

Aunt Xu also smiled and nodded.

In her opinion, this is also the most different point between Guo Dan and others, and it is also the point that she admires Guo Dan the most, such as Hu Du and other businessmen like to make honest people's money, and Guo Dan rarely makes the people's money, his business dealings with the people, are still beneficial to the people, it is a double win, a typical example is Yinuo insurance and medical insurance, he likes to make money from the rich.

Guo Dan continued: "The second type of lending is to lend to businessmen for capital turnover, which is divided into two types, the first type has collateral, and the second type of share loan. ”

Speaking of this, he paused slightly, "You should know about Nabosan, right?" ”

Hu Du was stunned for a moment and nodded.

Guo Dan said: "If the flushing mechanism invented by Bo San, you can borrow from us without collateral, and the money we lend will become the shares of his workshop, and we are gambling on the future, of course, we may also lose, so this kind of loan is temporarily limited to opening in Weihui Mansion, not only the amount will be limited, but it must be through the tooth bank, and this kind of loan, I will name it Bo San Loan." ”

Xu Han was surprised: "Why is it called this name, this name is not very good!" ”

Guo Dan said: "Because that bastard told people everywhere, because I changed my name to Guo Bo, as if it was my long-lost brother, so I have to let him change back, and in a few days the court will issue a new law, which will also be named Bo San Ordinance, and he will definitely change it back then." ”

That's a convincing reason!

No problem!

It's just a little bit capricious.

Of course, this is actually just a joke, Guo Dan's real purpose is to encourage everyone to develop technology, look at people's waves, and send dung to an annual income of 10,000 taels, and any new technology appears, he will be deeply benefited.

"And this third type of loan."

Guo Dan paused slightly, and suddenly asked: "With your years of experience in lending, who do you think you can lend to, make the most money, and be the most reliable?" ”

Hu Du said: "In fact, they are still businessmen, although the big landlords are not short of collateral, they are unlikely to borrow money from us, and those small citizens can't borrow a few dollars." ”

Guo smiled lightly and said nothing.

Hu Du asked, "What is Consultant Guo's opinion?" ”

Guo Dan said: "I think lending to the imperial court is the most stable and profitable. ”

"Towards ... Court? ”

Hu Du's tongue has some knots.

Aunt Xu also looked at Guo Dan in surprise.

Guo Dan nodded and said, "Of course!" The imperial court has tax income as a guarantee, and the annual income is relatively stable, and the money borrowed is more, even if the interest rate is a little lower, it is more cost-effective than lending to others. ”

Xu Han said: "If the court doesn't pay it back, we...?" ”

Guo Dan said: "You should know that the several large sums of money lent out by our money bank are all borrowed by Your Majesty, and Your Majesty will pay them back, can they not pay it back." ”

Xu Han is right to think about it, the owner behind this promise should be the emperor, if he doesn't pay back the emperor's money, will the emperor agree.

Guo Dan continued: "Lending to the imperial court and the government is the most profitable, so this is not only our imperial court, but also the Mongolian region, as well as some areas in the south, are the objects of our loans. ”

The more you talk about this, the more evil it becomes.

Hu Du was wiping his sweat, feeling that he was a little boy in front of Guo Dan, it sounded like a loan, but it was not the same thing to say it, and said: "Lend them money, can they pay it back?" ”

This Ming Emperor can't control the Mongolian region!

Guo smiled lightly: "You usually borrow money, if people don't pay it back, what will you do." ”

"We... Ahem... This... It's not the same thing! Hu Du said.

Guo Dan said: "This is the same thing, ordinary people borrow money and don't pay it back, you will also find their family, force them to pay back, ask for their land, the reason is not that they are honest, but that you are stronger than them, if the Mongols do not pay back, the routine is the same, we will also use various means to make them pay back, for example, support his enemies, and even directly use artillery to teach them to be honest, the reason is that my Ming is also stronger than them, the key is that the debt is repaid, it is justified, and we do not lose morality." ”

Aunt Xu questioned, "Can this work?" ”

Guo smiled lightly: "Of course not at the moment, but this is our goal, because this is the most profitable loan." ”