Xu Hui thought back to the size of the objects in the car, couldn't help grinning, and said: "Thousands of miles away, just to transport a big stone, labor and money." ”

Xiao Zhao pursed his lips, didn't say anything, and didn't tell Sister A that he still left a big stone, which was very beautiful and very good-looking.

Although Xincheng has a box of jade carvings, he still looks into this box.

Finally, he couldn't help it, reached out and picked up a five-colored jade bird, and said to Xu Hui with a small face: "Xu Chongrong, is this okay for me?" ”

Xu Hui nodded with a smile and said, "Her Royal Highness the princess will take it if you like it, anyway, there are so many!" ”

Xincheng giggled, grabbed the little jade bird and ran away satisfied.

"Okay, it's getting late today, let's hurry up and start the lecture!" Xu Hui smiled and motioned for Xiao Zhao and Princess Jinyang to sit down, and as for Xincheng, he listened very obediently.

They are all girls, and there is Her Royal Highness the Princess, so naturally they will not be too tired from studying. But Xu Hui found that the little sister was very similar to herself, and she was quite talented in writing. As for the son, he has made rapid progress in Feibai calligraphy.

This is also very good, anyway, His Majesty saw that his beloved daughter's calligraphy had the potential to surpass himself, it was a great relief, and he smiled from ear to ear.

Before the end of class arrived, Xu Hui heard the voices outside and couldn't help frowning. But soon he smiled helplessly, others can scold, Your Majesty, who would dare?

"It's time for class to end at this hour, why don't you see my son and Xiao Zhao coming out?" His Majesty Li Er is ordering the palace people to unload the stones from the car and remove the sackcloth to admire.

Xincheng was the first to run out, claiming to be his father, but he was also attracted by the big stone in a blink of an eye, and stepped forward to touch and pat.

Xu Hui had no choice but to get out of class, so he came out with his son and Xiao Zhao to greet him, and Shi Li said goodbye.

"Excuse me, excuse me." His Majesty Li Er waved his hand casually and beckoned everyone to come and view the stone.

Xu Hui also just saw the stone, but in a blink of an eye, he was attracted and his mouth was amazed.

This large stone is natural, smooth all over, and there are no traces of carving. On it, the blue, black, yellow, brown and green are alternate, like the natural scenery, the layers are distinct and beautiful, as if a landscape painting is presented in front of you.

"It's natural?" Xu Hui let out a voice of admiration, "It's really amazing, it's breathtaking." ”

His Majesty Li Er also bowed his head again and again, and said: "Qi Lin reported before that there is jade to be mined in Jiuquan, and I didn't expect the quality to be so good. It's so natural, it's not crafted, and if it's sold, it's worth a lot of money. ”

Xu Hui glanced at His Majesty a little strangely, and said in his heart: This is an elegant thing to appreciate strange stones, how did you think of money?

His Majesty Li Er also realized that this should not come from the mouth of the emperor, so he snorted and said, "Turning stones into gold, Qi Lin's methods are admirable." ”

"Stones can be sold for money, and the concubines are very surprised." Speaking of the younger brother, Xu Hui's tone changed, he stepped forward and touched the stone, and said: "When the Daming Palace is completed, I will put this strange stone in the palace of the concubines, and hope that Your Majesty will approve it." ”

His Majesty Li Er bowed his head and said, "This is a trivial matter, how can you not allow it?" If the concubine likes it, let Qi Lin send a few more pieces. ”

Xu Hui hurriedly said: "Transporting stones from a long distance will cost the people and money, and it is enough for the concubines to have this stone." ”

His Majesty Li Er smiled and said nothing. What kind of labor and money, your brother doesn't see it that way, transportation and logistics, that can also benefit the people and stimulate the economy.

The little girls ran to play, and His Majesty Li Er, accompanied by Xu Hui, entered the palace to rest.

His Majesty Li Er saw the jade carvings in the box, and couldn't help but nod and admire: "There are both strange stones in the courtyard and this exquisite jade, and I am very relieved about the operation of Suzhou." ”

After a pause, His Majesty Li Er added: "I don't think it will take three years to summon Qi Lin back to Beijing, and the concubine doesn't have to think about her relatives all the time." ”

Xu Hui said with a smile: "Family affection is also human nature. If His Majesty is in need, how dare the concubines prevent His Majesty from dispatching his ministers. ”

His Majesty Li Er stroked Xu Hui's jade hand with a smile and said, "I really have the idea of transferring Qi Lin to another place. Well, it's not too late to discuss it after he returns to Beijing. ”

Xu Hui said: "It's always good to have more experience, but Your Majesty has arranged a good place, thousands of miles away, a little far." ”

As he spoke, Xu Hui reached out and took a cylindrical thing, and said, "The concubine is clumsy, and I heard that the younger brother said the style of knee pads, so I made a pair for Your Majesty." ”

His Majesty Li Er took it and fiddled with it, then understood the usage, and nodded again and again: "Wrapping this thing around your knees does have the effect of keeping warm and damp, and Yu Zhen's wind paralysis is very beneficial, and Concubine Ai bothered." ”

The Taiji Palace was damp and cold, and His Majesty Li Er had suffered from a slight wind paralysis. In today's medical term, it is rheumatism.

Not only did His Majesty Li Er suffer from this disease, but the scumbag Li Zhi also suffered from rheumatism later, which was very serious. The rebuilding of Daming Palace is largely due to Li Zhi's unbearable suffering.

Xu Hui half-knelt on the ground, lifted His Majesty Li Er's robe, put on his knee pads, and said with a smile: "It looks suitable, but I don't know if it's convenient to move around?" ”

His Majesty Li Er laughed, got up and walked a few steps in the hall, and said, "Well, it's very appropriate. I didn't know that my concubine was both literary and popular! ”

"The concubine doesn't dare to say that she is proficient." Xu Hui said with a smile: "If you move into Daming Palace in a few months, you won't need this knee pad." ”

"It can be used, it can be used." His Majesty Li Er sat down, put his arm around Concubine Ai's fragrant shoulder, and said with emotion: "It is all thanks to Qi Lin's management methods that we can leave the wet land of Taiji Palace." ”

After a pause, His Majesty Li Er smiled and said, "Concubine Ai still doesn't know, Qi Lin is looking for someone to dig around for gold mines!" In this regard, he was full of confidence, and said that Lu Yuxian's guidance must be correct. When the gold mine is found, all the proceeds will be paid to Luozhou as funds for the rebuilding of the Luoyang palace. ”

Xu Hui thought for a while and said, "Does Your Majesty want to move the capital?" The stakes are high, and caution is needed to follow them. ”

His Majesty Li Er pondered for a moment and said, "Although I have this intention, it will be difficult to succeed in Hebei and Henan if they do not get rid of the withering and disadvantages. ”

Xu Hui was so smart that he immediately guessed that His Majesty wanted to transfer his younger brother to Hebei Province or Henan Province, and whether to move the capital or not also depended on the operation of these two provinces.

Guessed yes, but Xu Hui didn't say anything, smiled and took the tea offered by the palace people, and handed it to His Majesty Li Er.

……………

The fastest way to make a fortune is probably to pick up treasures or dig up gold.

For Xu Qilin, it is not strange to know the location of some minerals in later generations, and he doesn't even need to summon souls.

For example, the Deng and Lai gold mines mined in the Song Dynasty; and the Linglong gold mine, which began in the fourth year of Jingde in the Song Dynasty and was still mined in later generations.

That's right, only in Shandong Province, Xu Qilin can make a lot of money. Moreover, the mining technology of the Tang and Song dynasties is not much different, and Xu Qilin is very confident that it can surpass hundreds of years.

This is Xu Qilin's long-term plan, and it is a means to promote the development of the commodity economy and solve the problem of money shortage in the Tang Dynasty.

First of all, the money shortage began to appear in the late Zhenguan period of the Tang Dynasty, and it was more serious in the middle and late Tang Dynasty, which caused serious private and indiscriminate minting of copper coins, which posed a great threat to the national financial system.

Why this is so, and why is not difficult to find.

When the Tang Dynasty was first established, the social economy had just started to develop steadily, and the commodity economy was also in the recovery stage, and the level was low. In this way, the monetary system of both money and silk has its rational side, and can also meet the needs of small-value commodity transactions.

However, when the commodity economy develops rapidly to a certain extent, the combination of money and silk will expose its inherent backwardness and defects.

Because silk silk has the shortcomings of being large and heavy, inconvenient to divide, difficult to transport and store, etc., it is not welcomed by the market, and its function as currency tends to decline.

Commodity trading is gradually tending to use a higher level of copper coins as intermediaries, which requires an increase in the amount of copper coins. But China lacks copper, not to mention that Yunnan, a major mineral-producing province, has not yet been developed, let alone within the territory of Datang.

Therefore, if the imperial court wants to mint more coins and issue them, it is difficult to have sufficient raw materials. With the increasing shortage of copper coins in circulation, the value of copper coins naturally continues to rise and firm, and private and indiscriminate minting are profitable, and naturally they are repeatedly banned.

In Xu Qilin's view, the gradual withdrawal of copper coins from the monetary system is the ultimate solution. Otherwise, even if the Nanzhao (Yunnan) is laid, according to the current level of mining, it will not be able to meet the needs of minting copper coins.

To put it bluntly, Xu Qilin's idea is to use paper money, a more advanced currency symbol, instead of copper coins.

Paper money is low in production cost, easy to keep, carry and transport, and more suitable for large-value transactions, which can promote the rapid development of the commodity economy.

But Xu Qilin also knew that it was not easy to get the imperial court to approve the issuance of paper money and get the people to recognize it.

It turned out that the trade was to hold or collect heavy copper coins, but now it is replaced by a few pieces of light paper, and no one has any support in their hearts. It is inevitable that doubts arise in my heart: this toy will not become waste paper one day, worthless, right?

If it is like silk silk, and copper coins, there may be only copper coins, not paper money, or copper expensive paper cheap.

But it is not impossible to abolish copper coins altogether, and to make people have confidence in paper money. Xu Qilin had the idea of issuing a higher level of precious metal currency, silver and gold coins, and making paper money available for precious metal currency.

This is equivalent to the reserves required by banks to issue banknotes in later generations, which can be used to maintain the credit of the currency.

At the same time as the banknote is issued, the date of issuance is printed, and it is stipulated that after one year, it can be exchanged for silver or gold coins according to the normal exchange rate, or it can be exchanged for banknotes issued in the new year.

As long as the exchange rate in the first year can be guaranteed, the people will build confidence in the paper money, so as to gradually withdraw the copper money on the market, and finally complete the transformation to paper money as the main currency.

It's complicated, and it's a currency transition that takes a long time to complete.

Of course, while promoting the commodity economy and saving copper and minting costs, if the country's credit is not there, paper money will also become the culprit of the people.

It's a double-edged sword, like gunpowder. At present, gunpowder blasting stone mining is even an improvement in the military strength of the Tang Dynasty. But in later generations, it was carried forward by outsiders and bullied China in turn.

Xu Qilin is very open to this, and instead of worrying about the future, it is better to do things well now. Could it be that without paper money, the country can be permanently strong? At the end of the day, it's all about people.

Therefore, while sending people to find gold and silver, he was doing the preliminary work of launching paper money.

After more than a year of business development, Ganzhou's business and trade activities are becoming more and more prosperous, and when Gaochang is built, it will usher in a leap and bounds of development.

The conditions were basically ripe, the preparations were completed, and Xu Qilin began to act.

The gongs and drums are noisy, the firecrackers are ringing in unison, and in the city of Ganzhou, a large shop called "Commercial Money Village" is open for business.

Due to the previous publicity, Xu Qilin invited the Ganzhou businessmen to drink and feast, and personally took charge. On the first day of the bank's business, many businessmen came to cheer the market, and more or less deposited some money in the bank, which was called safekeeping.

According to the leaflet, Ganzhou Qianzhuang has 100,000 yuan. The semicolon is in Chang'an, and it is also the same name, the same is 100,000 yuan, and the operation mode is the same.

The main business of Qianzhuang is to operate cash custody and remote access between Ganzhou and Chang'an.

The specific process is that the depositor delivers the cash to the bank, and the bank fills in the amount deposited by the depositor on a roll made of special paper and returns it to the depositor.

When the depositor withdraws cash, within 10 days, the depositor shall pay a custody fee of 1% for each time; Within a month, it is 2 percent; To three percent, it will be capped and will not rise again.

If it is a remote remote access, that is, it can be picked up at the Chang'an branch if it is stored in Ganzhou, and it can be picked up at the Ganzhou Qianzhuang if it is stored in the Chang'an branch, and the storage fee plus transportation fee is 5%.

The merchants have seen the deposit receipts printed on special paper, the patterns are very complicated and exquisite, which is also hidden as a mark, and the two sides are handwritten and written, which is extremely difficult to forge.

Keeping money in the bank not only reduces the hassle and danger of carrying it around, but also makes it more attractive to access it in other places.

If you want to, if you go to Chang'an with a huge amount of money, or from Chang'an to Ganzhou, you have to hire a car for transportation, you have to hire bodyguards, plus food, drink and accommodation on the road, it will not be a small expense.

The cost is put aside for the time being, what about the safety on the road, there is really no robbery and theft, and there is no black store sweat medicine?

Therefore, after careful calculation, the businessmen feel that the cost of five percent is affordable, and the convenience provided is worth the price.

Still, people are cautious about something new. There are many people who save money, and the number is not large; There is basically no need to do remote access.

Xu Qilin didn't care about this, there will always be the first person to eat crabs, and the name of Qianzhuang is gradually getting started, and the reputation is slowly being recognized by people.

The convenience of large-value transactions, the trouble of money handling, the consideration of safety on the road, and remote access will be recognized by businessmen sooner or later.

If we continue to develop further, as long as we have outstanding creditworthiness, large-value certificates of deposit will gradually become "credit currency" that can be used to pay for goods.

A piece of paper, yes, is a piece of paper, which will be worth thousands of times, refresh the people's understanding, and accept its existence in circulation.

This is the path taken by the Northern Song Dynasty "Jiaozi", and Xu Qilin has only changed slightly. Time will tell, and this initiative will go down in history.