When Wang Yan came, he was not worried about Lao Zhang's discovery of the secret recipe at the bottom of the box.

In fact, in Wang Yan's concept, there is no permanent secret recipe, and today's secret recipe is tomorrow's Chinese cabbage, which is the driving force of human evolution.

There is no secret recipe that can be eaten for a lifetime, others are advancing, of course, Wang Yan will not be idle, when they use 2.0 technology, Wang Yan is using 3.0, and at the same time start to develop 4.0, which is called the leader.

There are too many things to dig in this world, and Wang Yan is just obscene and not bad, and he will not stop others from moving forward.

There is a kind of person who does not want to run fast, and although he can't run fast when the wolf chases, he will make his companion fall down if he stumbles, so he will be safe even if he can't run fast. But there is another kind of person, he will not slow down others, he will only try his best to run faster than others.

So about these technologies, Wang Yan will eventually hand them over, and Wang Yan just needs a specific protection period.

What really worries Lao Zhang is that Wang Yan is afraid that he will find a scar on his shoulder, which is very bad. So I haven't been avoiding Lao Zhang lately.

"Uncle Xianggong, is there anything wrong with finding a boy?" Wang Yan was still suffering from the pain in his shoulder, and he hugged his fists.

The grammar of this calf is so virtuous, and Zhang Fangping didn't bother to give him a language lesson, so he didn't care, just said: "The old man is still surprised that you were so generous before, it turns out that you still have something hidden at the bottom of the box?" For example, about the pedigree of chickens? ”

Wang Yan said: "Uncle Xianggong sees it clearly, since you have said that you have pressed the bottom of the box." You can't bear to take the kid's family away? ”

Zhang Fangping said bitterly: "You think too much." The old man didn't say that he was going to steal your skills. I just heard it by chance, and I discussed it with you out of curiosity, so you might as well say it, let's study and study it together, and the old man will help you check it to prevent any mistakes and omissions. ”

"No need, I can take care of it myself." Wang Yan said.

"It's not good for you to hide too many secrets as a child, it's hard to say that there are other top magnates who are worried about it, so for the sake of safety, hand it over to the old man to help you keep it, you wait for your wings to be hard and can resist the risk, and then I will return it to you." Zhang Fangping squatted down and said softly.

Wang Yan's eyes were black, mainly because he didn't look like a master, like a lewd uncle who tricked Xiao Zhengtai.

So Wang Yan began to show his acting skills, with tears in his eyes, acting like a threatened weakling.

Zhang Fangping pointed to his nose and said, "Why do you make this expression, I'm discussing with you, what do you mean by looking like you've been robbed." ”

Wang Yan said: "But I was robbed by the powerful." ”

Zhang Fangping's old face blushed slightly and said: "Xiaoyan, you misunderstood, the old man didn't say that he wanted to coerce you, but the old man was simulating 'the situation you are about to encounter', understand?" It's not that the old man wants to scare you like this, but a large wave of bad guys who will do what I do are about to arrive on the battlefield, are you afraid? ”

"I don't know if that big wave will come, but it looks like you're the vanguard, and the most ruthless." Wang Yan's weak way.

@#？

Unexpectedly, this grandson was so difficult to fool, Zhang Fangping couldn't help but walk around with his hands behind his back, and after hesitating, he had to sigh and say, "What conditions did you directly say?" ”

"Yes. Since there are conditions to open, it is trading, I like trading the most, I don't like to be robbed. Ouch. Wang Yan's skull was pumped again.

Zhang Fangping said: "It's good to talk about the conditions, nonsense, who likes to be robbed." Did I rob you? If you can rob it, the old man still needs to give you conditions? The old man very much doesn't like your belittling of my image in and out of your words. ”

Wang Yan said: "Speaking of which, the wisdom of the uncle and the prince affects every corner of the Great Song Dynasty, and even affects every cow. ”

"Huh. Then he said, you are allowed to use another 300 words to pat yourself on the back, and any more will not work. Zhang Fangping thinks this kid is very verbose, but it is still very useful to be patted on the back.

Wang Yan said: "Uncle Zhang's powerful aura also affects every poor man in the Great Song Dynasty. For example, I'm a literally poor bastard, but thanks to you, I'm about to rise. Although I will make money by relying on the conditions you promised, in the future, when the chicken and eggs will step down from the altar and provide more and more income for the Great Song Dynasty treasury, you will feel that the conditions you have agreed to me now are a stroke of genius. ”

"First the feed, then the strategy of hatching, and now the theory of the evolution of the bloodline of the good chicken, the three treasures are a set, and they are undoubtedly peerless treasures, if you are willing to give them to the dynasty. The old man doesn't like others to talk about conditions too much, but it's not too much for you to ask for a little money for this. Okay, that's the end of the sycophant, just talk about your conditions? Zhang Fangping pointed to his nose and concluded.

Wang Yan's fox tail was exposed: "I want to get a license to issue Jiaozi." ”

I'm @#¥

Zhang Fangping was taken aback by this bad boy with a huge appetite.

Wang Yan means to open a bank.

Even in ancient times, opening a bank was not a trivial matter, and there were too many problems involved.

Of course, whether it can be opened or not, and what businesses can be operated after opening, it is Zhang Fangping who has the final say, and Prime Minister Pang Ji does not count.

Zhang Fangping's position in the Great Song Dynasty was equivalent to the later Development and Reform Commission, the People's Bank of China, the Ministry of Finance, the State Administration of Taxation, and the China Banking Regulatory Commission. Actually, it's *****. To open a bank, of course, he needs his approval.

The Jiaozi of the Great Song Dynasty are not all paper money. A more important nature is: certificates of deposit.

In addition to official relations, in some special areas, due to the needs of the situation, there will also be strong firms that have been approved for this kind of financial business. After the people sent the money to the firm, they issued a ticket to the people, and that piece of paper was called a private friend.

Therefore, in Wang Yan's understanding, Jiaozi should be counted as a certificate of deposit rather than a banknote. But in fact, the Jiaozi of the Great Song Dynasty is also being used as paper money.

Theoretically, this will disrupt the economic order to a certain extent. The reason for this is that money can also be applied to the conservation of energy. Money corresponds to materials, and how much money must be there for how many materials.

Assuming that the balance of materials and money is temporary, but if the certificate of deposit can be used as money, and the firm and government that issued Jiaozi are also using the copper coins corresponding to the certificate of deposit for recirculation. Then when the materials do not increase, it is equivalent to "more money". If you have more money, of course, you will be hairy, and that is called inflation.

Inflation is certainly not good, but there is a problem that the Great Song Dynasty was deflationary. That is to say, in this era that is hundreds of years ahead of the world, the productivity of the Great Song Dynasty is relatively advanced and is exploding, but the development of copper mines and the investment of copper coins are far from keeping up with the pace.

That is manifested in the rapid increase in materials, but the money is getting less and less. So there are more materials for each copper coin. As a result, the currency appreciated sharply and the value of goods depreciated sharply.

It is for this reason that Zhang Fangping played the imperial court in the early days: those sharks directly melted all the bronze artifacts and made a lot of money immediately.

Sounds like it's a good thing that more things can be bought per copper coin?

However, in fact, deflation is the most frustrating looting of the people, and there is no one.

Because the money in the hands of the people is always the least, in fact, there are not many people who really have savings waiting for appreciation. Most of the people never had a few copper coins in their hands, only labor, and the materials produced by labor.

After a large amount of money is concentrated in the hands of a small number of magnates, the value of the coins also appreciates significantly, which is equivalent to the appreciation of the wealth of the magnates. They can buy people's labor and assets for less money.

The merger of land and assets in the Great Song Dynasty is known as the crown of history, and the shortage of coins is actually the driving force behind it.

The conscience of heaven and earth, there really won't be much spare money in the hands of the bitter people, some are just materials produced by labor, and some are good land and real estate left by their ancestors. The continuous appreciation of the currency means that the assets in the hands of the people continue to fall in price, until everyone is shocked.

One of the most significant characteristics of the capital market is that when it is red, everyone will rush to buy, and when the downward trend is established, everyone will rush to sell.

So this was the beginning of the annexation of assets and land in the Great Song Dynasty. The performance is: the powerful use more and more expensive money to easily buy cheaper and cheaper assets in the hands of the people. Then in the end, both money and assets are in the hands of the powerful.

It is for this reason that the Great Song Dynasty has an urbanization rate comparable to that of later generations. This was due to the influx of landless peasants into the cities to make a living, which caused the Great Song Dynasty to have frenzied ruffians, gangs, and various security problems.

Of course, the advantage is that this kind of passive capital sprout has also created a blowout of the handicraft industry in the Great Song Dynasty, as well as technological progress.

Therefore, a truly conscientious government will definitely try its best to maintain "moderate and persistent inflation".

That is really not to loot the common people, but to impose a "secondary currency holding tax" on crony capital for rebalancing. So for this reason, in later generations, a large group of elite Vs cursed the government's M2 all day long, and cursed the government for printing money all day long. Khan, in fact, this is because they have the most cash in their hands.

There is no need for too many theories, the powerful will always have more money in their hands than the common people. Ordinary people can be moonlight clans forever, only have assets in their hands, and then rely on their strength to eat.

But the powerful can't, of course, the powerful have more assets, but more cash, and that's safe for them. Therefore, after being punched by the government's seven wounds, the powerful will always be more seriously injured than the common people. Therefore, moderate inflation can also be understood as a "tax on the average wealth".

To sum up, the Great Song Jiaozi was born to deal with the shortage of money. From the point of view of later generations, the Great Song Dynasty Jiaozi was obviously a deposit receipt but was used as a paper money, which was to disrupt the order and operate in violation of regulations, but this is the spontaneous fault tolerance of the society. When the money shortage is severe, this is a direct way to combat deflation.

This has slowed down the sharks' annexation of land to some extent. Because these Jiaozi are suddenly extra money, there is so much land in the Great Song Dynasty, and the money is suddenly a few more layers, and the land will of course be revalued and appreciated. For the magnates, although Jiaozi is also a new means of accumulating wealth, it is calculated that the total amount of land that the magnates can really buy in a short period of time is decreasing.

Because of the appearance of a large number of jiaozi, the money has become hairy. It's not a big problem for the common people, they basically rely on their strength to eat, and they can barely make ends meet anyway, so the assets in their hands start to rise, and they won't be busy selling.

This is the background of Jiaozi's times, as well as the financial balance temporarily achieved by the Great Song Dynasty.