"Yes, there is a ready-made amount of gold and silver available, and another is still on the way, and it is also available. If you can borrow more, you may be able to scrape together the first batch of new coins. ”

"I don't know where the gold and silver are mentioned by Master Hou?"

Among the treasures obtained by returning to the north this time was a sum of money, which was originally used to settle the new subjects. Now you can get it out and mint it first. In addition, there was still a large amount of gold and silver in the hands of the new subjects, and if they could be used, it would be a good source, and then they only needed to borrow some more, which could solve the problem.

However, these hundreds of thousands of new vassals are not familiar with the Central Plains, and they have a lot of gold and silver in their hands, and they will inevitably become lambs blackmailed by the powerful and powerful elsewhere in the future, or they will be lazy because of the huge amount of gold and silver. I thought that a bank could be set up now to solve this problem. ”

When the word "bank" was exported, Zhao Anling, Zong Botai, and Guan Longxiang all knew what it meant, and Zhao Anling immediately asked:

"Master Hou, what is the bank?"

"Oh, I forgot, you don't know yet. So we may raise a trade, and deposit the money of the common people and the rich into it, and pay it monthly, quarterly, or annually for the benefit of the money, and we may raise a large amount of gold and silver by depositing it for circulation, and we shall pay the depositors every year with grain or other things, or gold and silver money. This is the bank or bank. ”

Zong Botai reacted very quickly, and said with a little thought:

"If the money is paid for money and food, it is not much in one year, but it is a lot in ten years, can Master Hou imagine how to operate?"

"Mr. Zongbo, rest assured, there is a way to do this, as long as the gold and silver are raised, everything will be easy to do."

As a financial instrument, banks use market financial means to regulate and control the market and the national currency, which is more effective than the government directly intervening in the currency market with administrative power.

The sooner the financial market is planned and the market order is established, it is of great significance to the country at the crossroads of reform.

Agreed on the details with Zong Botai, Zhao Anling, and Guan Longxiang, and then went to the workshop and Tuntian to inspect in the next few days.

After the unexpected implementation of the salt drying method by the Luhou Dynasty, the black household labor controlled by the salt lords of Dongyuan County was able to be withdrawn, and after the recovery of Xianxi and Qiunan one after another, the financial expenditure intensified, and the Xianwang extracted 50,000 people from Dongyuan County into the labor camp and went to Yongxing Tuntian, and the other 50,000 people were in Zhongxing City Tuntian, and the Yongxing and Shanling land granting methods were implemented well, and the grain and grass problem was suspended.

On the sixth day of arriving in Yongxing, Xiao Chunyu, Xiao Er, Qiao County Lord, Chunrou, and Chunfang rushed to Yongxing City in the carriage of Yongxing Houfu to wait.

That night, Qiao Fu'er spent the night, and Bai Liyan pondered for a day, and finally thought of how to borrow money from the Xuanting Marquis Mansion.

"After years of seeing, my bun is beautiful again."

"Is there one?!"

Qiao Fu'er blushed, half-ashamed and half-ashamed. Bai Liyan took her into her arms and sat on her lap, her left hand already running into her chest:

"In the years that my husband has been away, it's hard to stay up at night."

"As long as you can think of Master Hou, Fu'er will be satisfied."

"Yes. I heard that during the years of Ben Hou's absence, Fu'er kept the department store in good order, solicited no business, and opened the branch to Dongyuan County and Guangxin, making a lot of money for the house. ”

"Master Hou made fun of Fu'er, how could Fu'er have such a great ability, it wasn't the credit of his father and mother, and the eldest lady, Fu'er did a little bit of his best, where could he rob the eldest lady's credit."

"Hehe, you have pushed it all and done it cleanly, and you have become a good person, but you know it in your husband's heart. Rong'er has told Ben Hou that it is all due to Fu'er and Xiao'er, she doesn't fight with you. ”

"It's my sister who is generous, let my sister, how can Master Hou still take it seriously."

Although Jiang Rong is a little overbearing in some things, she is not only generous and generous, but she can send Chunrou and Chunfang to Yongxing City to serve together, which shows that she is very tolerant, although she is often unforgiving.

After saying for a while, Bai Liyan suddenly changed her words and said:

"Fu'er, my husband has a big deal recently, I originally wanted to take out some from the house, and I calculated it carefully, but the money didn't come together, no, I wondered if I could borrow some turnover from my father-in-law and mother-in-law first, and then return it in full, what does Fu'er think?"

mentioned that if she wanted to borrow money from her mother, Qiao Fuer's attitude changed rapidly:

"It is said that Hou Ye returned from the southern expedition, and the gold and silver obtained were very huge, and my uncle also rewarded him with gold and silver, how could Hou Ye not have money."

"Huh... Benhou is incorruptible, and he is dedicated to the king, how can he hide money privately. ”

"Really?"

Qiao Fu'er raised her thin willow eyebrows, with a look of disbelief. Bai Liyan's face was red and her heart was not beating, and she nodded with her conscience and said:

"Really, really, how can a husband deceive his beloved wife."

At this time, Bai Liyan continued to stretch out her hand to probe down, and when she swam between her legs, Qiao Fu'er couldn't help but sneer, and suddenly felt unbearable:

"Really, bullying other weak women."

"In the eyes of her husband, Fu'er is the Hou Mansion's money-gathering and wealth-making hand, how can she be a weak woman. What's the matter, the business to be done for the husband is not a little profitable, and if it is done, this business is not a big deal. ”

Holding back the itchiness, Qiao Fu'er asked:

"Then Hou Ye said, what kind of business in the world can make Hou Ye work so hard, why not move the barbarians' gold and silver mountains."

"You're so beautiful, you can really move the gold and silver mountains back, and the husband won't give you a gold house and hide the lady inside."

"Hmph, it's really a lie, say it quickly, don't say it, I want it."

"Okay, that's it, for the husband......"

Bai Liyan roughly said to the county lord Qiao about raising a bank and minting new coins, of course, the word "bank" was a little awkward, and discussed with Zhao Anling and Zong Botai, and simply called it "Qianfang".

In fact, it is also very easy to understand, Zong Botai carefully calculated, he felt that the bank was the same as the factory, it could make profits, make money, and raise money, which was the same as the products manufactured by the workshop, so he simply called it "Money Fang." ”

Qiao Fu'er was born in a chaebol family, and she is not a problem with the accounts that Zong Botai can calculate. It's only a moment of effort, and the calculations inside and outside of a detailed account are clear:

"Obedient my Hou Ye, such a good business, whoever pays attention to it, can make money lying down."

"Not really, but gold and silver are needed to mint new coins, and now that the treasury is empty, there are not enough new coins to mint, so the husband wants to borrow some from his father-in-law and mother-in-law, and then raise them from other sources. If this deal is done, it will be a great business. As long as there is money in the country, you must go to the money square, how much profit you say it will be. ”

"Yes, yes, then, Fu'er will go and talk to her mother tomorrow."

"Huh... Not yet, you have to make a decision, otherwise the news will leak, and others will take the lead, or be taken advantage of by traitors, and it will not be a major national event. ”

"What Hou Ye said is, then wait for Hou Ye to make a decision, and then tell my mother."

As the saying goes, it's not a family that doesn't enter the door, Qiao Fu'er is simply a compound of her mother Princess Lan Yuan and father Qiao Lian, who has both small calculations and shrewdness.

I only think that after the bank is set up, I sit back and wait for the money to make money, and I only see the benefits, but I don't know that the bank itself cannot produce any value benefits, and the value of the bank is ultimately only reflected in the market order and financial activities, and the profits are earned through the market and financial activities.

Of course, it cannot be generalized, and the output of precious metals is still the main factor in the current currency pricing, which is more binding and preserving than simply printing paper money.

Basically got the lord of Qiao, and then for two days Baili Yan took turns to serve other women, not so much that they served, but that Bai Li Yan was serving them, at this time Bai Li Yan felt that there were many women, and it was also very troublesome.

At the beginning of September, Chen Yunfeng came suddenly, on behalf of Jiang Min and Jiang Qian, to test the bottom of Baili Yan. Bailiyan guessed that it was nothing more than two things, one was the treasure of the southern expedition, and the other was the status of Guangxin.

In the past six years, Luo Songting gave Jiang Min a plan to "lure wolves to watch the door, raise tigers to drive wolves", the so-called lure wolf is the Black Turban Army, and raising tigers is the Jin Army, so that the Jin Army will continue to rely on Beihai County in the name of resisting the Black Turban Army.

In the name of guarding against the Jin army, the Guangxin army successively took over nearly half of the territory of Beihai County. At the same time, Jiang Min and Jiang Qian's father and son only dared to shrink in Beihai and not come out, and only sent Chen Yunfeng to greet them.

Bailiyan confessed to him Chen Yunfeng, as long as Guangxin does not rebel, he will live for one day and protect Guangxin for one day.

In fact, Guangxin is already in semi-independence, with 80,000 or 90,000 troops, and not a penny of taxes and fields are not handed over to the imperial court, such a huge gap is also an important reason for the deficit of the national treasury, and there is no hope of cutting the feudal domain in the short term. Chen Yunfeng wanted to ask something, but Bai Liyan sent him to find Jiang Rong in Chenling.

In mid-September, Bailiyan went to Zhongxing City, thanks to Guan Longxiang's excellent work, Zhongxing City Tuntian was implemented very well, that is, the population is too small, and too much reclaimed land is a great loss.

The resettlement of the new vassals needed to start in advance, and Bailiyan withdrew 50,000 inches of silver from the government, and transferred one million copper coins and 100,000 stone grain and grass from the state treasury to purchase the necessary materials and hire manpower.

On the twenty-sixth day of September, he rushed back to Qiling, but he didn't go to the palace, and Bailiyan went to the mansion of the Marquis of Lu, ready to borrow some money to turn around. However, Zong Botai did not accompany him, obviously to avoid suspicion.

Luhou Xue Teng is sixty-four this year, and at present, he is quite old. Thanks to the material life of the nobility and tea health care, the body of the sixty-fourth marquis has always been tough. But the crown prince's concubine Lian Hui never conceived a child, which made Lu Hou feel at ease.

Seeing Lu Hou, Baili Yan bowed and saluted:

"I was busy with everything before, and I couldn't meet Lu Hou for the first time, Yan was deeply ashamed, and I apologized to Lu Hou here."

Lu Hou smiled kindly and motioned for Baili Yan to sit down:

"Yongxing Hou doesn't need to be polite, please sit down."

"Xie Luhou."

Baili Yanjing sat down, and Lu Hou motioned to the servants to serve tea, and while drinking, Lu Hou said:

"The old man wanted to invite Yongxing Hou to talk, but he didn't want Yongxing Hou to be busy, so he went to Yongxing and Zhongxing to inspect on the second day after returning to the city, and Yan Gongzi was loyal."

"The Marquis of Lu has an overreputation, and the king has entrusted him with a heavy responsibility, Yan does not dare to slack off, otherwise he will fail the trust of the king."

"If you don't come, the old man is also going to find Yongxinghou, since you are here, you will not be able to send someone away."

"Oh, I don't know what Lu Hou is looking for to discuss?"

"That's the case, presumably Yongxing Hou has also heard that all parts of Dongyuan County have adopted the salt drying method, and the output has increased dramatically."

"This matter is already known below, and the price of salt has also been greatly reduced, which is undoubtedly beneficial to the people of Xianguo."

"However, the price of salt in Xianguo is less than 50% of what it was six years ago, and although the salt drying method saves a lot of manpower and rations, the profit is much less. And after the sharp increase in salt production, Zhiguo lowered the price of salt, but after Zhiguo got the salt of Xianguo, it was sold at a high price in his country, and the profits were very large, and we only earned a fraction of them, so in the past few years, the revenue of my salt lord has been very small. ”

"This... The price of salt will indeed reduce the profit, but it has been calculated before, even at the current domestic price, but also save manpower and rations, the salt lord should have more income than before, even if Zhiguo has lowered the price, but the salt market in the salt country is still controlled by the salt lords, the price of salt is low, the people will naturally eat more salt, small profits and more sales, the country should earn more than before, how can it be less? ”

"But if only the people of Dujun, Yongxing, and Zhongxing can eat salt, and the other counties still can't afford to eat it, won't the price of salt fall down?"

"Shhh...... The price of salt has dropped, and the people of Beihai, Dongyuan, Jiangdong, and Suidang counties can't afford to eat salt, isn't this a strange thing! ”