Of course, holders of hard currency can also take the silver to the bank for deposit, but we have to charge a fire and storage fee - if the other party wants to get the silver back,

However, please note that the key is this but: if the other party is willing to accept the bank bills issued by us instead of silver (or gold), the fire consumption and handling fee can be reduced as appropriate, or even the fire consumption and storage fee will not be charged.

Once this is achieved, our bank bills will become paper money in disguise, okay, speaking of which, I don't know if you understand? ”

"I seem to understand something......

"Totally understood!"

"Did Pa Lao's financial career start here? Opening a bank, just like Boss Han's Industrial and Commercial Bank of China? ”

"By the way, Xiao Han, come out and tell me, what are you going to do with your bank?"

Someone in the venue suddenly asked Han Lotian a question.

"Why do I say it first?"

Han Lotian seemed a little absent-minded at this time, and he was suddenly named, which was a little inexplicable.

"Nonsense! You've opened a bank with shareholders' money, and we want to know your case! ”

"Uh...... Bank business plan, yes! Of course there is! It's nothing more than to take the silver in the hands of the Han people to the bank, and I give the depositors a little interest, and then use the silver to do business, and I'm done......"

"That's it?"

"And then?"

Before Han Letian's words fell, many people began to frown and look around, and finally found Yu He to ask:

"Brother Yu, why did your fund council approve Han Letian's ICBC plan? Is this the level? ”

"Yes, if that's the case, what will happen to the depositors' money if the business loses?"

Many people began to question it.

"The main reason is that Xiao Han's business is very small, don't look at him wearing the hat of a bank, in fact, there is only 8,600 taels of silver registered gold, and all of it is the silver that the Han people have deposited in him, we think that such a small capital, the loss of business is limited, and the business of Xiao Han's boss will help us build financial awareness and confidence in people's minds in the future, so we approved."

Yu Hewei answered everyone's questions very seriously.

"Well, that makes sense......"

"Is it less than 10,000 taels of silver for half a day?"

There are some people who are relieved and some who are disapproving, but obviously no one wants to delve deeper into this place, so everyone's attention is focused on Lao Ba's financial career - because Lao Ba's issues are deeper and more high-level - that is to issue money and print money!

So everyone said, even if your financial career started here, what about the next step?

"The next step is to get people to accept paper money, first of all, to get the students of Bamboo Garden and Sunflower to accept it. What to do? It's very simple, let's open a bank, say that we will give interest, and attract these people to deposit the remaining meal tickets in the bank every month......"

"Ba Lao, can this method work?"

"If you start with us, from the people around you, step by step, then you should do ......"

Lao Ba replied.

"yes, I don't know about the others, but I think Dorila will support Palao's ......"

The crowd didn't know who suddenly said this, and everyone burst into laughter when they heard it, and many people nodded and said:

"I think Zi Aya, their sisters, will also support your old ......"

"The doctors' fiancées will also support your ......"

Of course, there are those who get down to business:

"Hey, it looks like the three old couples who cook at school need to do their work......"

"I advise you not to do any work, people are like this, the more you persuade, the more you go, and if you don't persuade him, you will rush to find you......"

"Hey, don't talk about people like that, it's not easy for the old couple to live a lifetime, and they don't have children or daughters, don't count others!"

"Where is this calculation! Deposit the bank to give interest and pay it safe! This is for the good of others! ”

"Okay, okay, don't argue, everything is voluntary, what's wrong with giving interest? If you give interest, you have to deposit it there? Is it wrong for people to like to sleep with white flowers!? ”

"Damn! It's going to be sidelined again, please keep ...... Ba Lao"

In the face of the discussion that came out of the group, Lao Ba was very calm:

"Well, everyone, it seems that you still know very well, the essence of my plan is eight words - completely voluntary, step by step.

There is no doubt that silver and paper money will coexist in our market for a long time, but the benefits of paper money are obvious to all – let's not forget the fact that Xiao Han gave his small shop customers a silver deposit certificate with a face value, and then these certificates of deposit became shopping vouchers and became very popular.

Obviously, even illiterate people know how to seek advantages and avoid disadvantages, and as a famous economist said, in the free market, people's economic rationality is omnipresent and innate.

So, we first implemented it in the bamboo garden sunflower, and then advanced to the Han community, and finally let the merchants accept our paper money, well, this is a systematic project, it may take a long time, but the history of the development of finance in the old world has proved that paper money, which is beneficial to the country and the people, and is conducive to the operation of the market, has strong vitality and expansion, and it also gives me confidence that in the near future, people will accept paper money.

Of course, the premise is that we have enough credit and enough strength to cash in so that people will be willing to accept our banknotes – just as Xiao Han's customers are willing to accept shopping vouchers from Lotti. ”

There was a burst of applause in the conference room, but it was a little sparse, obviously everyone basically accepted Lao Ba's statement, but everyone still had a lot of questions in their hearts to figure out.

Sure enough, someone immediately asked a relatively deep question - where is the anchor for stable banknotes?

Lao Ba's eyes lit up immediately when he heard this question, and he praised it and said that this is a good question, and asked about the essence of banknotes, so please ask the financial professional Yu He is President Yu to answer.

In the applause of everyone, Yu He stood up and said:

This student's question involves the question of the basis for the issuance of money, which is a fundamental financial system for us in the future......

What does that mean? To put it simply, whether it is based on the gold and silver standard or the free standard, the core meaning is: whether to specify the gold content of paper money, or the silver content.

For example, the Han people deposited the silver in the Ledi Department Store, because the depositors knew that although they only got a paper deposit certificate after depositing the silver, the depositors knew that they could exchange the silver with this deposit receipt.

In the same way, although people deposit their silver in the bank to exchange it for paper money, they can also exchange this stack of paper money back into silver - of course, under certain circumstances, such as small certificates of deposit, the bank will collect the custodian fee, and of course the interest will also be paid.

In this case, banknotes are banknotes that contain silver or gold.

This is not the case with the free standard currency, which is the currency issued by the state with unlimited repayment capacity, and such a currency is closely related to the credit of the country, which is the case in most cases in the old world, in fact, the currencies of various countries have long abandoned the gold and silver standard.

Obviously, an important factor in whether this currency is strong and acceptable to everyone is the economic strength of the country, such as the superpower, her currency is international, and it is a hard currency accepted by all countries in the world......

Obviously, at present, our paper money has not gone to that extent, after all, everything has just begun, but in time, as long as we can maintain our economic vitality, maintain our continuous advancement in science and technology, especially the system, one day, our paper money will become an international hard currency The era will come, I have such confidence, I believe that in my lifetime, you can see the fruitful results achieved after our hard work! ”

Bang bang bang bang