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Mubashaf was a little dazed by this series of blows. All along, he only cared about whether paper money could be exchanged for gold and silver in full, and never thought about exchanging gold and silver for paper money. Hearing Xie Changfeng say this, he also realized this: this is a major event related to his tenth of his property! Absolutely sloppy!

Mubashaf immediately took two steps and ran to the exchange office of the Ministry of Finance, where all ten exchange windows were open, and they were all replaced by young and beautiful girls with quick hands and feet. Although there were more people who came to exchange than when he came before, the queue disappeared.

He glanced at the exchange announcement posted on the wall, and was suddenly blindsided. It turns out that there is really such a rule: the exchange of gold and silver for paper money will charge 10% of the fire consumption as a handling fee for insufficient fineness.

"It's over! I've lost 10 percent of my money in one fell swoop! Mubashaf suddenly wanted to cry and had no tears.

Don't be afraid, give the gold bars to the Foqi merchants, anyway, they settle by gold there, and they don't want paper money.

But he suddenly remembered that he had negotiated a contract with a Japanese businessman, and this Japanese named Yamamoto Masano wanted to sell him a batch of paper fans and kimonos. This Yamamoto Masano only needs real money, and he can just use the gold bars he has just exchanged.

Thinking of this, he immediately ordered his entourage to drive the carriage to the inn where the Japanese merchant lived, and bought the goods as soon as possible, so that he could sell the gold bars in his hand to avoid losses.

It's just that he had just walked into the inn when he saw that Yamamoto Masano was wearing a samurai uniform and walking out with a Japanese sword at his waist.

As soon as the Japanese merchant saw Mubashaf, he immediately exclaimed with joy: "What a coincidence! Dear Lord Mubashaf, I was about to go to you and tell you about our deal, but you came first...... By the way, I just want to ask you, this batch of goods, are you going to settle with the latest banknotes of the Great Zhou Dynasty? ”

When Mubashaf heard this, he was also stunned, and he hurriedly said: "Yamamoto Masano, it's not the first time we've traded, we have always traded gold and silver before, why did you suddenly ask me to settle with paper money?" ”

Masano Yamamoto sighed and said, "Alas! I can't help it! Mubashaf, you are also an old friend of mine, and I will not hide it from you, after I deliver the goods to you this time, I will use this batch of banknotes to go to the ceramic factory run by the imperial court to buy a batch of blue and white porcelain and sell it back to the Daimyo in Kyoto. ”

At this point, he paused for a moment, and then continued: "But the government-run ceramic factory only accepts paper money, not gold and silver. So, if you want to continue to buy my paper fans and kimonos, you can only pay with paper money! ”

"Ahh But what if I have converted all the banknotes into gold and silver? When Mubashaf heard this, his head suddenly became bigger.

When Yamamoto Masano heard this, he snorted in his nose and said, "If you can't pay for paper money, you can use gold and silver, but then you must increase the price by ten percent, as the fire consumption for me to exchange paper money." O Mubashaf, the choice is yours: either you give me the banknotes, or you pay 10 percent more, and I will listen to you! ”

Mubashaf was really angry this time and fainted. He never expected that he had queued up for a whole day, and finally got the last one to exchange gold and silver that day, but he lost ten tenths of the money for no reason. This is all something that he earned with great difficulty, risking thousands of miles to transport goods, from Dashi to the Central Plains, and endured a lot of hardships.

The result is good now, time-consuming and laborious, queuing in the cold wind for a day, and changing to an ending of losing ten cents of the money for no reason, how can he not faint?

Of course, he is not to blame for this. After all, the old thinking of the ancients cannot be compared with that of Yuming, a modern person, and even a shrewd person like Mubashaf has less than 1,400 years of experience.

In this era, people's thinking is still at the level of "paper money is not valuable, gold and silver are valuable, so the imperial court has to force the old surname to use paper money". Therefore, they are always worried that the paper money in their hands cannot be freely exchanged with gold, silver and copper coins, and they always feel that real money and silver are safe in their hands.

But Yuming knows very well that in the future life, whether he goes to a restaurant to eat or stay in a hotel. When a customer checks out, if the store chooses to accept gold or silver, no store will choose to accept gold or silver. As long as the country's currency is not on the verge of collapse, no one will be willing to accept paper money, not gold and silver.

But why would a store choose to accept banknotes that are not worth one in reality, rather than real money that is much more valuable? This is because real money is inconvenient to use, even if the store is willing to accept it, he has to find a scale to weigh, find a knife to cut, and find an appraiser to see if the condition is good. In the end, even if you accept it, you have to find a safe to keep it well, which is really inconvenient.

The banknote is very convenient, the value of the denomination, at a glance, the authenticity of the identification is much easier than gold, check the watermark, metal wire, purple light illumination, etc., can easily distinguish the authenticity of the banknote. So, that's why paper money is more common than gold and silver in modern society.

And no matter what era it is, whether it is in China or abroad, which currency can allow people to pay and buy things conveniently and quickly, and at the same time can be guaranteed in value, then it is good money. Otherwise, it is bad money.

Therefore, the first content of Yuming's new plan is: to stipulate that the tax collection of the Ministry of Finance, as well as the settlement of all government-run industries, all only paper money, so that all merchants and people must keep a certain amount of paper money in their hands in order to pay taxes, buy salt, and send children. Their demand for banknotes will increase.

When they start to absorb a large amount of banknotes, they will lead other merchants and people in the market to follow suit. After all, if something on the market becomes sought-after, it will naturally become scarce and expensive. Without the coercion of the imperial court and without propaganda, the private merchants would also try to exchange paper money from ordinary customers and refuse to accept gold and silver. In this way, the acceptance of paper money can be greatly improved. Let them feel that paper money is good money, and gold and silver are only bad money used as a supplement.

Another part of Yuming's plan is even more vicious. In the currency exchange method, he directly announced that paper money could be exchanged for gold and silver in full, but gold and silver exchange paper money had to deduct 10/10 of the fineness and fire consumption as a handling fee. This is simply a living robbery, and at the same time, it also makes everyone understand in their hearts that on the surface, paper money and gold and silver are of equal value, but in fact, the value of paper money is actually much higher than gold and silver. In this way, everyone will try to keep paper money in their hands instead of gold and silver.

This big move to issue banknotes has finally succeeded. In particular, the ten-day display of the "Golden Mountain and Silver Sea" gave the people great confidence in the new currency, believing that the imperial court had a strong ability to pay and exchange.

And in order to let the merchants and people of other regions understand the gold and silver exchange power of the Great Zhou, and believe in the credit of the imperial court. Yu Mingxing ordered the 10th of each month to be the display day of "Jinshan Yinhai". On this day, the treasury of the "Golden Mountain and Silver Sea" will be opened to the public, so that everyone can witness this great wonder of the world.

"The gold and silver seas are here, and the currency and credit of the Great Zhou Dynasty are there!" This is what the narrator emphasized when introducing the visitors, and said that it was a personal guarantee from His Majesty the Emperor.

After a series of new measures in the Zhou Dynasty, the efficacy of paper money completely exceeded that of gold, silver and copper coins, and after the credibility was guaranteed, the worthless paper money itself replaced gold and silver as the circulating currency of the Zhou Dynasty, which can be described as creating a miracle.

Later, the Great Zhou banknotes also became the hard currency of the surrounding countries of the Zhou Dynasty. Japan, the Nanyang countries, the Western Regions, Tianzhu and other countries gradually accepted and used the paper money of the Great Zhou. And the "sea of gold and silver" in the treasury also increased over time, and the amount of gold and silver collected by the Ministry of Finance increased, and it was slowly replaced with real gold and silver.

In the fifteenth year of Yongchang, the "gold mountains and silver seas" of the Zhou Dynasty treasury were replaced. The original hollow "Golden Mountain" and "Silver Sea", the last piece of sand and gravel in it has also been replaced, becoming a veritable "Golden Mountain and Silver Sea". The "Empty City Plan" that Yuming sang back then finally came to an end.

With the issuance of the new currency, the country's financial problems have been basically solved, and the budget is no longer as stretched as before, because paper money can be issued to offset the account and balance the budget. In the future, the indiscriminate issuance of banknotes will cause inflation, but now the banknotes have only been issued for less than a month, and many counties outside Luoyang have not yet circulated banknotes. Yuming naturally does not worry about the depreciation of banknotes. At present, he has turned his attention to the south, preparing to capture the land of Jingxiang in one go, so that the southern threat of the eastern capital Luoyang can be lifted.

The reason why Yu Ming decided to start from the land of Jingxiang first was also after some careful consideration. There are many rivers and lakes in the land of Jingxiang, and the Yangtze River and the Han River flow through it, compared with the war in the north, fighting in the land of Jingxiang, in addition to the land battle, also have to consider the issue of water warfare.

Whether it is the Tang army or the Zhou army, they are mostly northerners, and they are not good at inland water warfare.

However, for the Zhou army, they had an advantage: although the Zhou army did not have an inland water division before, it had a strong maritime water division. Moreover, after capturing the land south of the Yangtze River, he incorporated the remnants of Du Fuwei's Jianghuai Naval Division. In this way, in terms of water divisions, they are much stronger than the Tang army.

Moreover, Xiangyang, Jiangling and other places occupied by the Tang army are also convex from the map. The territory of the Zhou army was from Wancheng and Nanyang in the north, Jiangxia and Suizhou in the east, Baling and Yueyang in the south, and surrounded the land of Jingxiang occupied by the Tang army.

With the Zhou army's naval division dominating and the geographical location also in a favorable situation, Yuming naturally chose to start the attack from Jingxiang first. In his plan, if Jingxiang was captured, he could attack Bashu and Hanzhong to the west and gain absolute superiority over Li Tang.

And just when Yuming was discussing with his ministers how to attack Jingxiang at the first court meeting after the Chinese New Year, the Ministry of Intelligence suddenly came with news, saying that something had happened in Guanzhong and Li Jiancheng had been abolished.

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