Fu Bi thought for a moment, and first put forward his scruples: "But Wenqing, the issuance of silver tickets is a major event that affects the whole body, even if you succeed on Hedong Road, the achievements you represent are only one-sided, can the imperial court allow it?" Will the officials agree? ”

Cui Wenqing smiled confidently: "Just yesterday, I had a full morning with my teacher, and then I made a special trip to the palace to meet the official, and only put forward a two-word request for the official family of Daqi Bank. After that, he stretched out two fingers and said in an accentuated tone: "That's to make money!" ”

"Make money?" The officials were amazed.

"Yes." Cui Wenqing nodded affirmatively, looked around, and said eloquently, "From the perspective of the surrounding situation of Daqi, it can be said that there is no peace and tranquility around the strong enemy, and there are many checks and balances inside, which makes the whole country of Daqi enter a period of contradictions, social disadvantages are becoming increasingly prominent, and the confrontation between the noble family and the people of Qianshou is intensifying. ”

Fu Bi listened attentively, shook his hand and said, "It's okay, you can probably understand, you continue." ”

Cui Wenqing nodded and said: "Now, what the imperial court needs most is not those illusory things, but genuine silver, with silver we can change the law, with silver we can strengthen the country and the army, with silver we can enrich the people and benefit the people, so silver is the most basic guarantee, and from the current situation of Daqi, it is still the state of the poor and the people rich, so we must rely on the bank as a gold absorber, and attract the money in the hands of the people into the money market, so as to develop the economy and prosper the economy, which is fundamental." ”

It was the first time in his life that Zhang Dian had heard such a new statement, but fortunately, he had comprehended it very well, and he had roughly understood what Cui Wenqing meant, and his tone was a little less arrogant than the original, and he became a little respectful: "Then what Lord Cui means, is it that he wants to absorb the money in the hands of the people with savings and silver tickets?" ”

Cui Wenqing smiled and said: "Your understanding is good, the purpose of issuing silver bills is to allow the whole country to issue currency without relying on copper and silver mines, and to save is to recycle the spare money in the hands of the people to the bank for redistribution of funds." I believe that many colleagues have understood the effect of the silver ticket, I will not elaborate here, let's discuss it later, today the main thing is to talk about savings. ”

"What is savings? This is a basic term, but also the most basic concept of the banking industry, I believe that everyone has the habit of saving money and food at home on weekdays, what do we save money for? It is through planned storage to accumulate coins to meet unexpected needs and major expenses, but there are many troubles in saving money at home, one is the fear of thieves, the other is the fear of patina rot, and even bury it in the ground, maybe you will accidentally forget where you buried it that day......

Speaking of this, Cui Wenqing was laughable.

I still remember that in many news in the previous life, it was reported that ancient copper pots and clay pots were dug up when roads and houses were repaired, and when they were opened, they were all densely packed with copper coins, so news was not uncommon.

At that time, Cui Wenqing also laughed at these ancients for being stupid and naïve, and actually hid copper coins underground.

However, when he came to Daqi, he found that it was a folk custom to hide the money in the ground, and even the coins of the Zhenwu Army, in addition to being partially stored in the treasury, also had a small amount buried in the ground.

Isn't the treasure of Lu Gong, which Nalan Bing and Zhe Zhao will never forget, also hidden money underground for future generations to need?

So today, Cui Wenqing is ready to put forward a new concept, which is also a new way to save money, that is, saving.

"Colleagues, I believe you have all heard very clearly just now, banks must attract the surplus spare money in the hands of the people, so as to promote the circulation of money and prosper the economy, and saving is the most appropriate way."

Speaking of this, Cui Wenqing said in an accentuated tone: "The treasury bonds launched earlier can only be said to be aimed at the elite class of Daqi, and generally speaking, they are rich families, because only they can have a lot of spare money to buy the treasury bonds issued by us, and there are thousands of people, they can't afford to buy treasury bonds at all, Lord Zhang, don't open your mouth first, let me ask you, will the bank sell the treasury bonds that the people buy one or two pieces of silver?" It was clear that it was impossible for the bank to do such a troublesome thing, and according to the later improvement of the Hedong Bank, the minimum price of treasury bonds was ten taels of silver. ”

"Ten taels of silver may be a drop in the bucket for everyone here, but for many poor people, it is an astronomical amount, which leads to the fact that the people who can buy treasury bonds are a minority, and the savings system that is about to be implemented is for all of us."

Hearing this, Fu Bi was a little excited, and interjected: "Wen Qing, tell me what the savings in your mouth are?" Could it be similar to the money bank? ”

Cui Wenqing shook his head and said with a smile: "The money bank must pay attention to the amount of money saved, and it is all operated separately and cannot be deposited and withdrawn nationwide, and there is one of the biggest shortcomings of the money bank, which is privately run rather than done by the imperial court, so in terms of reputation, it is not reliable at all." ”

"The savings system, is based on the credibility of the imperial court, with banks all over the country as a platform, to encourage the people to come to the bank to deposit money, whether you are a penny, or a hundred taels, as long as it is money, our bank can access and withdraw, and according to the year of storage, give a certain interest, at the same time the bank also continues to provide loan business, as before can be issued for personal loans, so that the original people saved all the dead money through the hands of the bank for circulation, by more people who need money, so that The economy prospered greatly, the people became richer, and the tax revenue of the imperial court continued to rise. ”

After listening to this remark, not only Fu Bi, but even Zhang Dian and other officials of the Daqi Bank were shocked by the savings system described by Cui Wenqing.

If it is said that in the past, the issuance of treasury bonds was to take a scoop of rivers and drinks, then the current savings system is to swallow rivers for a long time!

Regardless of whether you are rich or poor, whether you are rich or not, as long as you have money, you can take it to the bank to store it.

This is not only a matter of safety and reliability, but also the fact that keeping money in the bank can provide all parts of the country with the business of deposit and withdrawal, and can also earn a certain amount of interest, so why not!

And what shocked Fu Bi and others even more was that Cui Wenqing had made it clear in his words that Daqi Bank would be fully responsible for the savings system, which means that Daqi Bank has created a cornucopia, and are you afraid that you will run out of money in the future?

For a moment, everyone couldn't help but get excited.