Cui Wenqing replied without thinking about it: "This is simpler, take the buyer we just gave an example, after he borrowed silver to buy a house, he can write his name on the title deed, but the title deed must be handed over to us as a mortgage for safekeeping, if he does not repay the silver taels within the time limit, or has no money to repay, then we can directly confiscate his house and repay it at auction according to the market price, so that he will not be able to repay the debt." ”

Zhi Zhao nodded suddenly, and suddenly, he was full of confidence in raising 600,000 taels of silver.

"Other than that, I have another plan." Cui Wenqing pondered for a moment and said again.

Zhi Zhao obviously admired him very much, and hurriedly nodded: "Husband has something to say, but it doesn't hurt to say it." ”

Hearing this, Cui Wenqing smiled mysteriously and asked, "Lady, I don't know if you have five hundred taels of silver, I'll borrow it first." ”

Zhi Zhao smiled and said, "What's so difficult about this, I'll immediately ask people to go and withdraw it." ”

After a while, one of the guards was ordered to bring a green cloth bag, which contained silver taels of white flowers, just five hundred taels.

Cui Wenqing instructed the guards to put the silver taels on the table, and after he went out, he said to Zhi Zhaoyan: "Lady, how about you pick up this bag of silver?" ”

"Okay." Zhi Zhao did not hesitate for a moment, stretched out his hand and grabbed the mouth of the green cloth pocket, lifted it slightly, and already held the bag of silver in his hand.

Seeing this, Cui Wenqing was full of black lines, more or less embarrassed, and hurriedly smiled bitterly: "Okay, okay, you can put it down." ”

Zhi Zhao glanced at Cui Wenqing suspiciously, obviously not understanding his intentions just now, and put down his pocket according to his words.

According to the script conceived by Cui Wenqing, five hundred taels of silver weighs fifty catties, even if it is a normal man, it will take a lot of effort to lift it, and a woman like Zhi Zhao must be even more laborious, maybe she won't be able to take it at all.

However, he forgot that his mother was a martial arts master, and the weight of fifty catties was a piece of cake for her, so it was a little embarrassing.

After a moment of silence, Cui Wenqing asked with a straight face: "Lady, do you think these five hundred taels of silver are heavy?" ”

Zhi Zhao was stunned for a moment, and replied truthfully: "I don't think I think it's holding it, if it's an ordinary person's hand, it will naturally take a lot of effort." ”

Cui Wenqing nodded: "If it's five thousand taels of silver, can you still take it, lady?" ”

Five thousand taels is five hundred catties, hearing such a number, Rao is folding, but also shook his head and said: "It's okay to mention it for a while, but it's not okay for a long time." ”

"So, let me ask you a question, if you need to buy something now, you need five thousand taels of silver, but the road is a little far, how do you think you should bring the silver taels over?"

Zhi Zhao liked Cui Wenqing's method of giving examples, and replied truthfully after a moment of silence: "If it were me, I would probably exchange five thousand taels of silver for the equivalent of gold and bring it." ”

"If it's urgent, you can't go to the gold shop to exchange gold?"

"Then you can only hire a car and transport five thousand taels of silver directly."

"And what if you don't have a car?"

At this point, Zhi Zhao was directly confused, pondered for a long time, and said with a wry smile: "Then there is no way." ”

"Yes, there's no way."

Cui Wenqing smiled and said: "Now the basic currency of private circulation is mainly copper money, in case of large payment, the user will exchange copper money for equivalent, and easy to carry gold or silver, so as to facilitate circulation, but as far as I know, the output of silver in my dynasty has not been high, gold is naturally less, and it is not so easy to exchange money for money many times, especially if you need to carry a huge amount of money out of the city to buy and sell goods in other places, there are more insecure factors." ”

Hearing this, Zhi Zhao nodded in approval.

She deeply understands this, every time the Guy Zhenwu army buys military supplies, they need a lot of money, even if they pay in silver, many times they are directly loaded with several large carts, and they can only send troops to escort them, which is very inconvenient.

Cui Wenqing said with a smile: "In this way, lady, let's make money, no, it shouldn't be said to be making money, this pattern is too small, it should be said that the time has come for us to change the Daqi monetary system." ”

As soon as he heard this word, Zhi Zhao knew that Cui Wenqing's next thoughts must be very simple, so he hurriedly listened carefully.

Cui Wenqing thought for a while and said: "It is urgent for us to use the name of Zhenwu Army to borrow money from the private sector, but I think we can also issue a kind of bill called a silver bill instead of a large payment." ”

"Silver ticket?" When Zhi Zhao heard this word for the first time, he showed a puzzled look.

"The so-called silver ticket refers to a kind of paper currency, stamped with the official Yangwen seal as an anti-counterfeiting, so that it can be circulated in the market instead of the transaction of silver taels. Lady, you might as well think about it, we can issue this kind of currency called silver bills instead of large payments after the conditions are ripe, the amount from one tael, two taels, five taels, ten taels, twenty taels, fifty taels, one hundred taels a total of seven, and allow the holder of the silver ticket to use the silver ticket for trading and circulation, and freely exchange silver in the money bank we opened, and then the private and even official buying and selling large payments, you can use the silver ticket we issued. ”

Zhi Zhao thought for a while, only then did he understand Cui Wenqing's words, and said in surprise: "You mean to say that we will make our own money." ”

"Yes, it's making money." Seeing that she understood, Cui Wenqing immediately smiled with satisfaction.

In his memory, the first time paper money appeared in ancient times was in the Sichuan area in the early Northern Song Dynasty.

At present, although history has gone to a fork in the road and has become unrecognizable, the time should be in the middle and middle of the Northern Song Dynasty, Cui Wenqing believes that the people should also have an economic foundation suitable for the operation of paper money.

Zhi Zhao's face gradually became solemn, and he said in a deep voice: "Husband, according to the laws of Daqi, it is a capital crime to make coins privately, and it will not work for you to do so. ”

Cui Wenqing said with a smile: "This is indeed an out-and-out money-making, but we can completely change the word, we are just providing a convenient payment method for the people who need to pay a large amount, the paper money itself has no actual value, compared to copper coins, silver, gold, remember, we are just providing a payment platform for convenient payment." ”

Cui Wenqing said this, but it was a little profound, and Zhi Zhao seemed to understand it after thinking about it for a long time.

In fact, in later generations, online payment has developed by leaps and bounds, relying on a huge customer base and customers' trust in the payment platform.

The state can control and regulate, and can legislate and enact, but there is no reason to think that the payment platform is creating virtual currency and issuing money and goods indiscriminately.

As far as the Great Qi court is concerned, there is no reason to think that Cui Wenqing's idea is making money.