"You mean that the five baht money that Zhang Yuan made is very likely to change the status quo?"

After Liu Che listened to Sang Hongyang's words, he immediately paid attention to it.

He had reformed twice, but both times he was unsuccessful, and in the end he was destroyed by the people who minted money privately and the people who minted money in the counties.

That is, there is no paper money now, there is a cost to make money, and copper coins are still used no matter how poor the quality of copper coins is.

If it is really waiting for the appearance of paper money, counterfeiters imitate paper money in large quantities, then the money making has become a unique profiteering industry.

After the emergence of Jiaozi, China will gradually move towards the silver standard, but no one will have this concept yet.

The issuance of certificates depends not only on reputation, but also on something that can be guaranteed.

Banks are able to gain a foothold because they have large foreign exchange reserves and gold reserves.

"If you don't stop it, follow Xin'anhou's past methods.

The results of this matter can basically be seen right now.

Your Majesty, think about it, since the Xin'an Hou came into your sight, although he has been involved in danger, he has never done anything that he is not sure of.

He is accustomed to making a plan first and never doing things blindly.

Today he went to find Wu Yan Lang, and Wu Yan Lang did not reach an agreement with Xin Anhou, so we should immediately send someone to investigate what Xin Anhou wanted to do. ”

Liu Che hadn't had time to digest so much content.

The unification of the currency and the acquisition of the right to mint money is a good thing for the Han Dynasty.

This is obvious.

Whether Zhang Yuan should do it or not made Liu Che a little embarrassed.

As an emperor, Liu Che promoted two currencies that eventually caused market turmoil, and more and more copper coins were minted privately.

If Zhang Yuan really stabilized the financial system, then it would seem that Liu Che was a little incompetent.

Liu Che still prefers to use the courtier's ideas for his own use, and he can adopt the courtier's suggestions, but he must make his own decisions.

Only in this way will he, the emperor, have a sense of participation in everything.

It is like a captain who has a staff of various functions such as first officer, second officer, third officer, chief engineer, and sailor.

But he always wanted to be a good captain, and he had to take care of everything, even if one of the screws on the ship was loose.

To govern is to drive a ship on the ocean.

There is a risk of capsizing at any time.

Although they all say that they trust each other, who will put their lives in the hands of another person when it comes to life and death?

It is impossible for Liu Che to trust others, and Zhang Yuan has no intention of trusting Liu Che.

Because of this, even if what Zhang Yuan did was a good thing for the Han, Liu Che still hesitated.

"First send someone to investigate what Zhang Yuan did, and then control the flow of five baht coins to the outside world.

Once there is any problem, immediately close the flat square! ”

"Your Majesty, what about Princess Pingyang?"

"Sister, I'll explain."

Zhang Yuan didn't expect that this incident would arouse Liu Che's disgust.

His idea was to start a pilot in Chang'an to see if the people would resist the five-baht coin.

If the effect is beyond expectations, Zhang Yuan plans to report all the situation to Liu Che, and then let Liu Che help implement it nationwide.

But just at the beginning, Liu Che already showed signs of wanting to intervene, which Zhang Yuan didn't expect at all.

But now Zhang Yuan doesn't know all this.

The details of the implementation of the five-baht coin are still being discussed in the Xin'an Hou Mansion, and the most difficult part of this is the lending.

There is not a single usurer who is not a landlord.

Their familiarity with the local area allows their business to run smoothly.

Every layer of the relationship must be connected so that you can do business safely.

As Zhang Yuan, there is no need to get through the relationship between the government and the government.

However, they don't have a little understanding of Chang'an City and the people of the Inner History Realm.

This is the biggest difficulty that Zhang Yuan is facing now.

It's easy to release money, but it's not as difficult to get it back.

Once there are too many bad debts, Zhang Yuan will become a wealth boy.

Zhang Yuan can spend all his wealth, but he can't fail to see the effect.

As long as the whole Han used five baht in the end, Zhang Yuan felt that it didn't matter much if he scattered his family wealth.

But the businessmen and accounts left by Princess Pingyang to Zhang Yuan are not so powerful.

If the people who lend money are all white, then they can't do it.

In the end, the bank will still let the so-called third-party collection company collect the loan.

Official institutions will do this, let alone private capital.

"Master Hou, I don't think you should care too much.

When the time comes, we can raise some people and conduct a survey of the families of the people who have borrowed money.

Or maybe we take more mortgages and ask them to take collateral to take out loans.

If the borrower doesn't even have a house, we don't need to lend them money.

Not having a house means instability, and they mortgaged the property to us, and we won't end up losing our money. ”

Pan Nan was the leader of this group of businessmen, and he also put forward their opinions to Zhang Yuan on behalf of everyone.

Listening to him now, Zhang Yuan knows that there are still steps that should be taken, and the formal lending process still needs to be taken.

If you simply want to implement the five-baht money, but neglect to lend, you are likely to lose all your money.

"Okay, then we'll split the business into two parts.

The business of exchanging coins was still to be launched, and it was also tied to the sale of paper mills, with the aim of promoting the five-baht coin.

As long as the profits obtained can ensure that the dividends of the Inner Treasury and the Pingyang Hou Mansion will not be reduced.

Don't think about the five-baht money anymore, just treat it as a simple business.

It's just that if you put out five baht coins, you can not get back five baht coins, but the proportion should be according to the proportion we set.

If the borrower wants to take out a mortgage with valuable items, then we will find a professional person to evaluate and price and then lend.

If they mortgage the house and land, we must find someone from the government to ensure the authenticity of their land deed, and the land deed or something must be put in our place. ”

Hou Ye thought it through, and the villain did what Hou Ye said.

Qingpingfang occupies a large enough area, and we have divided some of the shops as stores for money.

The back place is universal, so that the money can be easily circulated. ”

"No, the two businesses are accounted for separately, and all the copper coins that Ziqian Zhuangzi needed at the beginning were borrowed from Xin'anhou Mansion.

That is, the money I brought, as for the paper mill has always been in a profitable state, for the time being, only 10 million five-baht coins, and after the settlement every day, the copper coins will be taken and re-smelted.

The next day, there will be enough five baht money to exchange, and when there is more money in the account, the 10 million will be added to the Ziqian Zhuangzi.

The two businesses are two straight lines that never intersect, and when the money is finished, the money can be borrowed from the paper mill at half of the interest that should have been paid.

Do you know why? "Literature is great

Pan Nan thought for a moment, and then asked cautiously.

"Master Hou means that you don't want to treat the paper mill business as your own?"

Zhang Yuan nodded.

No matter what you do, you have to put yourself in your place.

The papermaking technology is provided by Zhang Yuan, which does not mean that the papermaking workshop is Zhang Yuan's.

Zhang Yuan is at most a technical shareholder, and as for how to operate it, it is a matter for Princess Pingyang.

Now that there is a suspicion of overstepping his bounds, Zhang Yuan will definitely not be able to use the benefits of the paper mill to do what he wants to do.

Even if this matter is beneficial to Dahan, it is likely that it will not create much wealth for Zhang Yuan.

"It's good that you understand, now Her Royal Highness the Princess has asked me to take charge of Qingpingfang, which is a trust in me.

Neither me, nor you, nor anyone else, should risk this trust. ”

Zhang Yuan asked Pan Nan and them to handle it first.

After all, putting money is not as simple as it sounds, and the current manpower is definitely not enough.

And Zhang Yuan may have to raise a team dedicated to loan collection, but this matter is not urgent for the time being.

It's okay to form it after half a year.

Zhang Yuan now has another problem to solve.

If you really want to put money down, Zhang Yuan's capital is definitely not enough now.

There are only a few people who can ask for it.

Princess Pingyang must have a solid family background, but Zhang Yuan doesn't plan to make money in this business, and the interest rate of five thousandths can only guarantee that she will not lose money.

If Princess Pingyang gets involved in a business that doesn't lose money, it is tantamount to owing favors.

As for when this favor will be returned, Zhang Yuan has already guessed it.

If this person's affection is not kept, it will be used on Cao Xiang, or the child in Wei Zifu's belly now.

Zhang Yuan didn't ask Princess Pingyang, but he already knew that the result would definitely be the same.

In the end, Princess Pingyang will definitely let herself support Wei Zifu's son Liu Ju.

Zhang Yuan is not afraid of others saying that he is thick-skinned, and he is definitely included in the most powerful people in the Han Dynasty at present.

After the marquis, this forced style is not the same as before.

So Zhang Yuan can't just owe favors casually, it's easy to owe, and it's hard to pay it back.

The one who can borrow money again is Wei Qing.

But Zhang Yuan felt that Wei Qing was probably not as rich as him, so he ignored it directly.

followed by the unnamed father-in-law Zhuo Wangsun.

The head of the Han businessman, he is not the one with the deepest background, but he is the richest.

If you ask him to borrow money and give it to Xin'anhou, even if a businessman is in trouble in the future, Zhang Yuan can help.

If Liu is in trouble, or Princess Pingyang is in trouble.

How can Zhang Yuan help, if something happens to these two of them, it must be Liu Che behind the scenes, and Zhang Yuan will not be bad if he doesn't put himself in.

Liu Ju was also unlucky, with a group of dazzling young people around him.

Liu Che was raised as a son, and there were Huo Quai, Jin Riyan, and these two people, and then compared these two with his ordinary prince, and the gap came out.

Why is it that I, a son born to an eternal saint, has no shining point at all, why is someone else's son so smart.

When the son is never his own son, the gap will get bigger and bigger.

When Lao Tzu looks down on his son, the final result is that no matter what his son does, Lao Tzu will not feel comfortable in his heart.

The son knew that Lao Tzu didn't like him, and he would rush to attract Lao Tzu's attention.

Then it will fall into a dead loop, and when the son hangs up, Lao Tzu will understand when he recalls the past.

It turned out that the son did it all to get a compliment from Lao Tzu.

But by this time it was too late, and the manpower could not return to the sky.

I don't know how many times the same episode has been staged in history, and the most is of course in the royal family.

In the future, if Zhang Yuan gets to know Liu Ju, he will try his best to persuade him not to come steadily.

It's not a fault to be mediocre, even if a prince who can't be remembered by everyone can't be the emperor in the end, he can end up in peace.

The modern famous Marquis of Haiding, that is, Liu He, the emperor of the Han Dynasty and the king of Changyi, proves this.

After being abolished, you can still be rich and prosperous for a lifetime, which is also a benefit of incompetence.

When the prince is killed, it is nothing more than that he is too jumpy, or his mother is too jumpy.

Wei Zifu is not the kind of person who can jump, so as long as Liu Ju doesn't jump and Princess Pingyang doesn't do evil, then this vein will not cause trouble.

These favors can't be owed, because of Zhuo Wenjun, Zhang Yuan wants to give Zhuo Wangsun something again.

It is impossible to give money and power, and by the way, you can also do your own things well, and it has become the best choice to go to Zhuo Wangsun to cooperate or borrow money.

After coming out of the study, Zhang Yuan went to find Zhuo Wenjun.

After all, it was a matter of asking for money, and it was impossible for Zhang Yuan to send someone to open his mouth by himself, and it was most appropriate to let Zhuo Wenjun say these words for himself.

It's noon now, and Zhuo Wenjun is busy arranging meals.

Zhang Yuan went to the dining hall to find Zhuo Wenjun, and it happened that the meals were ready, and Zhang Yuan sat on the main seat.

"Master Hou is going well today?"

Zhuo Wenjun half-knelt beside Zhang Yuan and gave Zhang Yuan a cup of chilled soy milk.

The two have been together for a long time, so they naturally know that Zhang Yuan likes to drink soy milk at home, and will not drink when eating like other nobles.

"That Wuyan clan won't give me face for this new Anhou.

I plan to put my own money and change the business model of Qingpingfang.

Now that I think about it, it's more appropriate than looking for a saltless clan to work with. ”

"But if you release the money, do you plan to only target Chang'an or spread out?"

"In front of me, we must only do business in Chang'an City, and Chang'an is the center of the world.

After something became popular in Chang'an City, it would be touted by other places in the Han Dynasty.

Have you forgotten that Zhuo's iron pot was also loved by many nobles in Chang'an City, so that there can be such a scene today. ”

"Well, what Hou Ye said is right."

After Zhuo Wenjun said a few words with Zhang Yuan, he began to eat by himself.

Zhang Yuan originally wanted to directly mention the matter of borrowing money, but he didn't know how to open his mouth when he was interrupted like this.

I ate a lot of desserts at Wuyan's in the morning, and now I am not so hungry, so Zhang Yuan put down his chopsticks.

"Master Hou, isn't today's food unappetizing?"

"No, it's just that there are some difficulties in the business."

"Difficulty?"

"Well, I'm afraid my money won't be able to support a plate that is too big."

"Oh, do you need me to open my mouth to my father?"

"That couldn't be better, haha."