"Money?" The two daughters were stunned, they hadn't heard of this word, and they didn't know what it did. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Luo Zhaoyun smiled slightly, and explained carefully: "Qianzhuang is a credit institution, for example, we have established a total money bank in Zhuo County, handling money savings and exchange business, and rectifying the economy in Youzhou, because gold, silver and coins are gathered in the hands of a few wealthy families and families, and the people have no money in their hands, which leads to the inability of the people at the bottom to participate in the economic structure, such an economic model is too rigid, and can only rely on the aristocracy to consume, and the frequency of currency circulation is also less, we have to form a new economy." ”

Xiao Yiyi and Ning Muhe were stunned when they heard this, and they didn't know what he meant.

"First of all, we want to use these four counties as a pilot area to invigorate the economy, first of all, the numismatic policy, at present there is too little gold, silver and coins on the market, because the imperial court has been busy fighting wars in recent years, a defeat, disputes in various places, the government has minted money has been much worse than before, not enough to trade and use in various places, and there is a situation of bartering; Secondly, there are many cases of private coinage, and the severity is different, so if we want to stabilize the four counties in the north, we must first standardize the currency. ”

When the second daughter heard what he said, they all quieted down and listened carefully, not knowing what good way he had to regulate.

"The money village is dominated by the Ning Chamber of Commerce, and several large chambers of commerce in the four counties and counties are integrated to join, give them a little share, and then set up a money village, so that some families and nobles can put their coins into the bank, which can be exchanged for silver bills and money, and the depositors will pay a certain amount of interest every month, and those small traders can come to borrow because of the capital turnover, as long as there is a mortgage. In this way, if the monetary funds are aggregated and then used for circulation, and the waters of the four pools of silence are stirred up, the more frequent the transactions, the more each gets what he needs, and each sells what he wants, the economy will improve......

"Is this okay?" The two daughters were taken aback, a little incredible, if other families were asked to hand over the money to the bank, would people be able to trust it?

"Don't worry, my Luo family is a guarantee, which is equivalent to the head of the four counties, and if the official background is official, it can make the family and the Chamber of Commerce feel at ease, in addition, the exchange rate of gold, silver, and copper coins is controlled by us, and every exchange transaction is charged with a discount rate, handling fees, etc., which is a good income every month."

Ning Muhe's eyes lit up, and he somewhat grasped a trace of thought, and exclaimed: "If it works, then this kind of economy is really a good way to make money." ”

"The people can't participate, the base is too large, the population is large, the Chamber of Commerce has been supplying for the time being, the consumption is too great, when will it be a leader!" Xiao Yiyi was a little worried, the grain and grass accumulated for many years, three million stones, was only enough for more than 100,000 troops and hundreds of thousands of people to eat for three years, which was also too terrifying.

Luo Zhaoyun shook his head and sighed: "Not only the people of these four counties, but also I took advantage of this chaos to send people to Hebei to spread the news, instigating more refugees from Hebei and Hedong to flock to Zhuo County, and it is estimated that before the New Year, there will be more than 100,000 or 200,000 refugees who need to be resettled." ”

Xiao Yiyi was surprised: "Ah, can we afford it?" ”

Luo Zhaoyun explained: "It's okay, it's not for nothing, you can spend money by the general's government to use these laborers to do what they can, for example, hire men to repair canals, expand Jicheng, repair barriers, etc., and give a little salary; Women, children and the elderly can weave mats, put threads to do needlework, roast tea, etc., all of which can be used, and they can also be paid, not in vain. In this way, refugees rely on their own labor intensity, earn wages, use them for living, and finally return to our chamber of commerce, so that both the poor and the aristocratic are invested in this economy, and the more frequent the trade, the greater the tax revenue of the merchants, the more active the market, and the vitality will be driven. ”

"Moreover, we can't limit our eyes to the local area, because Zhuojun is close to the Bohai Sea, we can play a role in making fine sea salt, beyond the coarse salt stones currently used by the people, as well as fishing aquatic products, communicate with overseas regions, and expand business, the people in the southeast coastal area can also trade with us, can bypass the war in the Central Plains, and do not affect business."

After listening to this, the second daughter nodded frequently, feeling that what he said made sense, and the blueprint of the plan was very good, but the details still needed to be carefully considered and discussed, and how to carry it out.

Ning Muhe said worriedly: "Son, the imperial court has a limited order, prohibiting people from the grassland tribe from opening a market and trading privately, once the crime is discovered, it is very big, and it is easy to raid the house and cut off the head, maybe it will be punished by fornicating with the enemy country." ”

"Don't worry, from the beginning of spring next year, my Luo family will be the hero of the north, the king of the domain, and the soldiers who still belong to the Great Sui, but we only listen to the will that is beneficial to us, if it is not good for us, or even if it is against us, we will refuse to carry it out, and we will not sit idly by." Luo Zhaoyun has this self-confidence, because the situation in the world will be more chaotic next year, Dou Jiande, Li Mi, and Du Fuwei will become stronger and bigger, and the heroes from other places will also raise troops, such as Li Yuan, Xue Ju, Li Rail, Xiao Miao, Wang Shichong, Liu Wuzhou, etc.

"Childe, which step should the Chamber of Commerce start with?"

Luo Zhaoyun pondered for a while and said: "First of all, send people to unite the big chambers of commerce of the Youzhou family and the four counties to discuss it to see if they are willing to contribute capital and occupy shares.

"Secondly, the selection of business and arithmetic talents cultivated over the years and the construction of a money bank team require an economic mind, able to calculate exchange rates, interest, etc., and belong to professional talents.

"Third, choose a good place in Jicheng and build a magnificent Qianzhuang headquarters, which will open after the end of the year. As for settling the refugees and expanding Jicheng, I will arrange for other people to do it, and I need people to manage the civil affairs. ”

At this time, the demand for talents is highlighted, as a local hero, leader, it is impossible to bow to everything, but have a macro idea, formulate the general direction, specific executors, need talents in different fields, each do their best.