There are four denominations of silver tickets, corresponding to one coin (100 wen), five coin (500 wen), one tael (consistent), and ten taels (ten guan).

Such a denomination design is the result of repeated scrutiny. Less than the face value of a penny of silver, you can directly use copper coins, a penny is about four grams, and you can carry dozens of copper coins, and there is no weight. And more than ten transactions, in the transactions of ordinary people, is very rare. Moreover, for the common people, many people's deposits will not exceed this number, even if they exceed, that is, dozens of times, three or two.

Li Mu personally did a survey, and ninety percent of the transactions on the market were below one hundred taels.

If it is a hundred taels, ten ten-tael is enough, and it does not affect the convenience of banknote transactions at all.

If the denomination is too large, it will have a negative impact, just imagine, a farmer has saved a lifetime, only fifty taels of savings, exchanged for a treasure banknote, but accidentally lost it...... For such a family, it is tantamount to a catastrophe.

For the bulk transactions of merchants, first, there are glass chips that can be used, and moreover, Li Mu also launched the 'check' function for merchants. Hold a check with the same security check, write the amount, draw a secret deposit, and use a seal, and the transfer can be completed at the bank. Of course, checks are not free, they need to be purchased, but they are not expensive, twenty checks and five taels of silver. Coming to the bank to make a transfer transaction is free of charge and no money is charged. Large-scale transactions are originally safer to go through the bank.

In fact, for the environment of the early Tang Dynasty, the purchasing power of one or two silver (consistent money) was very large. Li Mu once compared his purchasing power with the prices in his previous life.

A penny is about equal to a dollar. A piece of silver is a thousand yuan, even in Li Mu's previous life, the people who spent a thousand yuan a day in daily life were only a small part.

So for the time being, with a small denomination, there is no problem at all. After ten or twenty years, when inflation has passed, it is completely too late to consider issuing a new version of the treasure banknote.

……

Although the design is very good, it is not easy to promote the bank to the whole country.

In order to prevent the Datang treasure banknote from becoming a Daming treasure banknote, the first thing Li Mu had to do was to absorb reserves. Moreover, in order to get absolute stability, Li Mu's reserve fund is not based on how many percentages, primary, or according to one-to-one, although in this way, the flexibility is reduced, but the risk is also smaller.

Li Mu's plan is not small, and he hopes to grasp the power to issue notes through the bank. Naturally, the reserve fund cannot be prepared less, and even if it is only to run the business of the Ministry of Internal Affairs and the Ministry of Foreign Affairs in the initial stage, it will be at least 1 million yuan to barely be able to do so.

One million, if Wang Ou and Mrs. Lu support it, it is not that they can't make it up. But this is not done in this matter, not to mention, if you make up one million yuan, will it attract Li Shimin's jealousy, even if Li Shimin is not afraid, if one million yuan is made up, the bank will not be Datang's, but Li Mu's own family. A family holds the right to issue money in a country, and no emperor can allow this kind of thing to happen.

After thinking about it, Li Mu was still ready to use the old method to issue bonds.

Three-year bonds, one cent. It is guaranteed by the Ministry of Internal Affairs, the Ministry of Foreign Affairs, and the National Treasury, and if the money is not paid within three years, the money will be borne by these three companies. Li Mu told Li Shimin about this matter, which caused Li Shimin to laugh, because of reading Li Mu's notebook, there are many things that he can't understand, and Li Shimin has really found a lot of officials in the household department to make up for his financial knowledge.

When he heard Li Mu say that the interest was only one point, Li Shimin couldn't help laughing: "With your little interest, a fool will lend you money!" ”

Li Shimin's judgment is not untargeted.

Li Mu set the rule at that time, the bank took out a mortgage outside, starting with one cent of interest, and capping three points of interest. Li Shimin also inquired, and usually the interest of one and a half is the most common. A simple logic, when you lend money, it is a five-cent interest, why when you take a loan, it is a cent-and-a-half?

This is not clear to tell others, you fools, Lao Tzu eats a penny of profit, releases a penny of five, and earns you five cents for nothing?

Moreover, although there are banks, the interest rate of private lending has been lowered. In the past, the matter of doubling interest rates does not exist, but the interest rates of the private sector are actually much higher than those of banks. Because banks are only available in Chang'an, other places have to rely on private loans.

Nowadays, private lending pays attention to nine out of thirteen, that is, you want to borrow ten taels of silver, but when it comes to you, there are only nine taels of silver. That's not all, you have to pay back thirteen taels when you pay it back. The inside and outside is the difference between four taels.

If the people have silver, isn't it fragrant to earn this difference? Li Mu's one-year interest can't catch up with a month's worth of others, isn't this just a fool to borrow him?

"Don't believe me." Li Mu shrugged his shoulders and said with a faint smile: "Believe it or not, you still grab your head?" ”

"It's started again......" Li Shimin smiled helplessly, rolled his eyes and said: "Side, I believe it, but I have understood this matter, it is impossible." ”

Li Mu smiled, but did not stiffen his mouth, and said: "Your Majesty, the minister is in heaven and earth tonight, banqueting the business community of Chang'an, if Your Majesty doesn't believe it, you can come to join in the fun, and see how the minister made millions of dollars overnight." ”

"I really have to take a look," Li Shimin was fine, so he compared with Li Mu: "Pass the meal first, and let's go over together after eating, so as not to make you a trick." ”

Li Mu smiled helplessly and complied with Li Shimin's wishes. I had lunch with him, and then we took a car to heaven and earth.

Li Yourong is still like that, cold and indifferent, as if he is alien to anyone. Seeing Li Mu and Li Shimin, Li Yourong saluted Li Shimin, and just nodded to Li Mu, and the right to deal with it should be dealt with.

Li Mu is also used to it, he doesn't care about her, and he wants to take advantage of Li Shimin's time in the private room to ask Li Yourong Bai Qiaoqiao if he has mentioned peace with her, Li Yourong has already gone downstairs, Li Mu looked at her back, and said in his heart, let's change the time and ask well.

Li Mu turned around and just entered Li Shimin's private room, and before he could sit down, a young man from outside came over to say: "Master Hou, the shopkeeper of the Boling Cui clan, ask to see Master Hou." ”

As soon as the young man's voice fell, another young man ran up: "Master Hou, the chief housekeeper of the Duke of Suguo, I want to meet Master Hou alone." ”

"The big shopkeeper of the Xiao family in Lanling, I want to see the ...... Hou Ye"

Li Shimin was dumbfounded, Li Mu saw his appearance, and said: "If Your Majesty doesn't believe it, you can wait in the room, there is a screen here, they can't see Your Majesty, and Your Majesty can hear it clearly and solve your doubts."

Li Shimin nodded and hid in the screen.

"Let Cui's shopkeeper Li come in first, first come, first come."

The young man went out to report, and after a while, the shopkeeper Li came in with a smile on his face and greeted Li Mu.

"The banquet hasn't started yet, I'll rest here for a while, why is the shopkeeper Li so anxious, won't you see you later?" Li Mu also greeted him with a smile and let him into the hall, and sat down with a clear face, the contradiction between the two had been resolved, and there was no need to keep a face.

"I heard that Hou Ye was in trouble, and the villain immediately came to help Hou Ye." Shopkeeper Li looked enthusiastic and took out a letter from his sleeve. Li Mu took the letter, and at a glance, the person who wrote the letter turned out to be the owner of Cui's family, in the letter, the owner of Cui's valve said that Cui's could take out 200,000 yuan, deposit it in Datang Bank, and exchange it for treasure money. In addition, he can also take out 200,000 yuan to buy Li Mu's upcoming bonds. If Li Mu is in need, the Cui family can still help think of a way, but it will take a certain amount of time to raise it.

Li Mu read the letter twice, couldn't help but raise his eyebrows, and said, "Master Cui, when did you treat me so well?" Does he owe me money? ”

"Uh...... Ahem, that's the case, the owner heard that the Hou Ye was going to borrow a million yuan, how bad is this to hear? The shopkeeper Li smiled slightly awkwardly: "Let's get together first, Cui's subscription is 400,000 yuan, and Hou Ye can count 300,000 bonds." ”

……

Behind the screen, Li Shimin was stupid.

Did this Li Da shopkeeper get stuck in cement when he visited Lantian County?

Take out 400,000 guan to buy bonds, just count 300,000 guan, and give 100,000 guan for nothing?

That's 100,000 yuan, you know, the total interest due on this bond can't add up to 100,000 yuan.

It's equivalent to losing money, even if you have money, then you don't have to be so bad, right?

What's more, did the Cui family forget their grandson and die in the hands of Li Mu?

In the outer hall, Li Mu did not hesitate to offer praise: "Atmosphere! It's interesting enough, sure enough, if you don't fight, you don't know each other, good brothers for life! ”

"The ancients were close to Zhu, red and black, and they were around the Hou Ye, how could they not learn something? Hou Ye is all for the sake of Datang's Jiangshan Sheji, we can't help a lot, a small favor must help. The shopkeeper Li said seriously: "Then, this matter is so decided?" Master Hou, don't refuse, the resignation will chill the owner's mind, don't call him a friend......"

"My son doesn't want money as long as his friends don't want it." Li Mu smiled and stuffed the letter back into the envelope, and said to the shopkeeper Li: "Thank you for your love, I am very grateful." However, this bond issuance can't give so much to Cui's family. ”

Nowadays, private lending pays attention to nine out of thirteen, that is, you want to borrow ten taels of silver, but when it comes to you, there are only nine taels of silver. That's not all, you have to pay back thirteen taels when you pay it back. The inside and outside is the difference between four taels.

If the people have silver, isn't it fragrant to earn this difference? Li Mu's one-year interest can't catch up with a month's worth of others, isn't this just a fool to borrow him?

"Don't believe me." Li Mu shrugged his shoulders and said with a faint smile: "Believe it or not, you still grab your head?" ”

"It's started again......" Li Shimin smiled helplessly, rolled his eyes and said: "Side, I believe it, but I have understood this matter, it is impossible." ”

Li Mu smiled, but did not stiffen his mouth, and said: "Your Majesty, the minister is in heaven and earth tonight, banqueting the business community of Chang'an, if Your Majesty doesn't believe it, you can come to join in the fun, and see how the minister made millions of dollars overnight." ”

"I really have to take a look," Li Shimin was fine, so he compared with Li Mu: "Pass the meal first, and let's go over together after eating, so as not to make you a trick." ”

Li Mu smiled helplessly and complied with Li Shimin's wishes. I had lunch with him, and then we took a car to heaven and earth.

Li Yourong is still like that, cold and indifferent, as if he is alien to anyone. Seeing Li Mu and Li Shimin, Li Yourong saluted Li Shimin, and just nodded to Li Mu, and the right to deal with it should be dealt with.

Li Mu is also used to it, he doesn't care about her, and he wants to take advantage of Li Shimin's time in the private room to ask Li Yourong Bai Qiaoqiao if he has mentioned peace with her, Li Yourong has already gone downstairs, Li Mu looked at her back, and said in his heart, let's change the time and ask well.

Li Mu turned around and just entered Li Shimin's private room, and before he could sit down, a young man from outside came over to say: "Master Hou, the shopkeeper of the Boling Cui clan, ask to see Master Hou." ”

As soon as the young man's voice fell, another young man ran up: "Master Hou, the chief housekeeper of the Duke of Suguo, I want to meet Master Hou alone." ”

"The big shopkeeper of the Xiao family in Lanling, I want to see the ...... Hou Ye"

Li Shimin was dumbfounded, Li Mu saw his appearance, and said: "If Your Majesty doesn't believe it, you can wait in the room, there is a screen here, they can't see Your Majesty, and Your Majesty can hear it clearly and solve your doubts."

Li Shimin nodded and hid in the screen.

"Let Cui's shopkeeper Li come in first, first come, first come."

The young man went out to report, and after a while, the shopkeeper Li came in with a smile on his face and greeted Li Mu.

"The banquet hasn't started yet, I'll rest here for a while, why is the shopkeeper Li so anxious, won't you see you later?" Li Mu also greeted him with a smile and let him into the hall, and sat down with a clear face, the contradiction between the two had been resolved, and there was no need to keep a face.

"I heard that Hou Ye was in trouble, and the villain immediately came to help Hou Ye." Shopkeeper Li looked enthusiastic and took out a letter from his sleeve. Li Mu took the letter, and at a glance, the person who wrote the letter turned out to be the owner of Cui's family, in the letter, the owner of Cui's valve said that Cui's could take out 200,000 yuan, deposit it in Datang Bank, and exchange it for treasure money. In addition, he can also take out 200,000 yuan to buy Li Mu's upcoming bonds. If Li Mu is in need, the Cui family can still help think of a way, but it will take a certain amount of time to raise it.

Li Mu personally did a survey, and ninety percent of the transactions on the market were below one hundred taels.

If it is a hundred taels, ten ten-tael is enough, and it does not affect the convenience of banknote transactions at all.

If the denomination is too large, it will have a negative impact, just imagine, a farmer has saved a lifetime, only fifty taels of savings, exchanged for a treasure banknote, but accidentally lost it...... For such a family, it is tantamount to a catastrophe.

For the bulk transactions of merchants, first, there are glass chips that can be used, and moreover, Li Mu also launched the 'check' function for merchants. Hold a check with the same security check, write the amount, draw a secret deposit, and use a seal, and the transfer can be completed at the bank. Eliminates the possibility of cash transactions