Wuwei Zhai, in the main room of the "VIP Courtyard", the owner of Huangzhou Cloth Workshop gathered together to discuss major matters, this matter has never been seen before, and now it is the first time in the world, everyone is quietly listening to the first person to speak. Pen & Fun & Pavilion www.biquge.info

"Ladies and gentlemen, this is a sample of the negotiable ticket, please take a closer look."

After Wang Yue finished speaking, he clapped his hands, and the maids rushed in, and presented the beautifully printed papers to the owners one by one on a tray, and when everyone had a sample in their hands, he continued:

"The cloth in Huangzhou is now selling well, and the owners ship no less than 1,000 horses every month, and the cloth has to be woven more, and the kudzu and hemp are indispensable, so a large number of cloth must be purchased in large quantities at the same time..."

Wang Yue is expounding on the fact that Huangzhou's economy is prosperous, and cloth trading is the first to bear the brunt, followed by the problem of payment when trading bulk goods, and it is very troublesome to use money and silk, and most of the circulation of these money and silk is carried out in Huangzhou.

So can we use a substitute to replace copper coins or cloth, and circulate in various cloth mills or other industries in Huangzhou to facilitate everyone to do business?

Gongyu Wenwen, who has always been "warm-hearted", has now come up with a way to use paper circulation coupons instead of copper coins and cloth silks, and use them in Xiyang City, Huangzhou, to facilitate the exchange of huge amounts of money between various families.

The idea is good, but the use of paper instead of money is really sensational, and you have never seen such brazenness... Well, I've never seen anyone so considerate of everyone.

This is a meticulous idea, but there are three main problems faced: first, what is the face value of paper bills? secondly, the anti-counterfeiting of negotiable bills; Third, who is responsible for the issuance of negotiable certificates?

As the spokesperson of Gong Guo, Wang Yue gave a detailed solution, and he first started with a typical business.

A Jingzhou merchant organized a fleet to transport a large amount of copper coins to Huangzhou, and after berthing at Bakou, he hired stevedores to unload the money, and then loaded it into a rented carriage and came to Xiyang City to buy cloth.

One hand to pay the money and the other hand to deliver, the cloth workshop here to count the copper coins, count them for half a day, and then carry them into the warehouse.

Then when the cloth mill bought Ge and hemp, it had to move out, and it was counted and handed over to the supplier for half a day, and the supplier sweated profusely and loaded the money into the car, and pulled it to the nearby bookstore to buy books, or to buy ham, soap and other things, which was time-consuming and labor-intensive.

Similarly, if the Jingzhou merchant wanted to buy other goods, he would also use the car to pull money around the city, and when he traded with the seller, he had to count copper coins, or weigh the catties, which was the same time-consuming and labor-intensive.

To put it bluntly, it is troublesome, Huangzhou cloth workshop does not accept cloth as payment elsewhere for trading, and there are many troubles with copper coins.

If the merchants of Jingzhou exchange the copper coins in Bakou, exchange them into circulation coupons according to the comparison price, and after "circulating" in the city, they will cash out the remaining circulation coupons when they leave Huangzhou and leave with the copper coins, which will be much more convenient.

As long as everyone recognizes it, then all walks of life can benefit from it, and there is no need to waste time counting and transporting money all day.

Wang Yue said that all cloth shop owners could understand, so he began to explain the first question: how to determine the face value of the negotiable bills.

Very simply, the face value of the negotiable coupons is determined based on the cloth, which means that the negotiable coupons are linked to the Huangzhou cloth.

A set of negotiable coupons is divided into eight denominations, from the largest to the smallest, which are "1,000 horses", "100 horses", "200 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses", "100 horses",

The circulation coupon is exchanged for Huangzhou fine woven cloth with the same face value as one to one.

There are many grades of Huangzhou fine woven fabric, and the circulation coupon is exchanged for the kind of complex flower and grass pattern, which is one of the characteristics of Huangzhou cloth, and each cloth workshop can be tile, and the market price is about 500 Wen a horse.

In other words, the face value of "one thousand horses" of circulation coupons can be exchanged for one thousand Huangzhou fine woven cloth, and the value of this thousand pieces of cloth is about five hundred copper coins, the weight of a "one thousand horses" face value circulation coupons can be ignored, and the weight of five hundred copper coins is about two thousand catties.

The disparity in weight brings extremely convenient capital circulation, do you say it's good? Of course, but why?

"Circulation coupons must be circulated, relying on credit!" Wang Yue said loudly, "With the credit of everyone here, it is the credit of the owner of the name!" ”

"Disdainful proposal, all the owners join forces to jointly guarantee this negotiable coupon, no matter what kind of denomination of the negotiable coupon, in Xiyang City can be fully exchanged for Huangzhou fine woven fabric."

"As long as the credit can be guaranteed to be redeemed in full at any time, merchants will be willing to use it, and the negotiable coupons will be able to circulate and bring convenience to everyone to do business."

Wang Yue began to explain in detail the advantages of using cloth as the basis for the redemption of negotiable vouchers.

First of all, why not just set the face value as a number of texts? Because it would be a taboo for the imperial court to do so, Huangzhou implemented negotiable coupons to facilitate trading, not to destroy the currency system of the imperial court, not to change the way to not use the imperial court's money.

This is the principle, and no one can touch it.

Secondly, cloth is the hottest bulk goods in Huangzhou, merchants exchanged for circulation coupons, you can go directly to the cloth workshops to get cloth, of course, there is a price difference between various grades of cloth, you have to go through "conversion".

In this way, it is very direct to save the trouble of cloth trading, and the negotiable coupon can also make people feel confident, because the issuer itself is not short of cloth, and it can definitely guarantee unlimited exchange.

The most important point is that the proprietors of the cloth mill also have other industries, and it is very convenient to promote circulation coupons, so that more people can accept this new thing and circulate it in Huangzhou City as soon as possible.

"Therefore, the purpose of introducing negotiable coupons is not only to facilitate the trading of cloth shops, but also to facilitate the trading of merchants in the city as much as possible.

This kind of thing is not difficult to understand, and all the owners here quickly figured out the key to it, of course, this matter has been ventilated in advance, so everyone is basically positive about the implementation of negotiable coupons.

Wang Yue took a sip of tea, moistened his throat and continued to ask the next question: how to prevent counterfeiting of circulation coupons.

"Please look at the sample, there are eight kinds of negotiable coupons, and the anti-counterfeiting methods are the same."

Ruixing launched the "bill of exchange", everyone here has used or seen, indeed for the superb workmanship of the bill of exchange amazed, and at this time they have the sample of the negotiable bill, the use of the anti-counterfeiting means of the bill of exchange.

The first is printing, the face value printed on the circulation coupon is like "one thousand horses", which will change color when viewed from different angles under the light, and the key is in the ink used, which must have added a lot of "material".

The second is to hold the circulation coupon and look at the light, you can see that there are different dark lines in the middle of the inside, the face value of five horses and the following value of the circulation coupons, the dark pattern is the style of "Buquan" money.

The face value of one hundred horses, Wu Shi horses, two hundred horses, the dark pattern is the style of the "five elements of cloth" money; The face value of 1,000 horses, 100 horses, 200 horses, the dark pattern is the style of "Yongtong Wanguo" money.

Buquan, Wuxing Dabu, Yongtong Wanguo, these are the three copper coin styles that have been issued by the Zhou Kingdom, and the dark pattern is not only this mode.

All denominations of the circulation coupons, when viewed through the light, you can find that there are two carp tails with each other's tails at the left end of the front, that is, the yin and yang fish hugging each other, the workmanship of this dark pattern is fine, and it looks lifelike

Then there is the material of the paper, holding the corner of the circulation coupon and shaking it, there is a crisp sound, and it is folded several times, and it will not have creases like ordinary paper.

In addition, the negotiable coupons have different color shading, the negotiable coupons with a face value of one horse and a Wu Pi are black moire, and the negotiable coupons with a face value of one horse and Wu Pi are blue moire.

The circulation coupons with a face value of 100 horses and 200 horses are yellow moire, and the circulation tickets with a face value of 100 horses are red moire.

The largest face value of 1,000 horses of circulation coupons is a red, yellow and blue gradient shading, how this gradient color is printed, it is really incredible, not to mention that the color and text on this circulation coupon can also be simple and waterproof.

"Ladies and gentlemen, just looking at the paper, shading, and water-resistant ink used for printing this negotiable coupon, it must be not so easy for criminals to forge it." Wang Yue began to brag about himself.

"The paper mill of the disdainful name printed these negotiable coupons, using many means and thoughts, and it will never be imitated vividly!"

Looking at this beautifully made circulation coupon, such an ingenious anti-counterfeiting method, the owners did not raise any questions, as a circulation coupon only circulated in Huangzhou City, this anti-counterfeiting measure is enough.

So the next crucial question is: who will issue the negotiable notes.

This is actually not a problem, because with such a variety of anti-counterfeiting means of negotiable coupons, only the Ruixing can be produced, so the real question is: how to supervise the issuance of negotiable coupons?

This question is very important, the principle of negotiable notes is that there are as many fine woven fabrics as there are negotiable coupons, and in fact, negotiable notes are another currency, so the integrity of the issuer is very important.

In case of over-issuance, double, double or even several times, there are not so many fine fabrics on the market, how do you let us do joint insurance?

Printing paper money is much faster and more convenient than casting copper money, your Ruixing brush, it is cool to use, but let us people come to the joint insurance, no accident is good, once something happens or there is something to do, what should I do if the big guy runs?

If it is oversent several times or even more than ten times, where will I get so many pieces of cloth?

There are soldiers in the country, and no one dares to attack the Ruixing, but we traders are unlucky! (To be continued.) )