In the impression of later generations, opening a bank must require extremely strong capital, although this idea is very correct, but it is not applicable at all times, for example, in the era of the Great Song Dynasty, the predecessor of the bank represented by Jiaozipu just appeared, itself has a lot of imperfections, Yizhou is better, but the capital has just appeared, it is even more chaotic, many businessmen with a little strength have taken a fancy to the potential of Jiaozi, so they have brought their family property into this new industry.

This chaotic situation is the most beneficial to Li Zhang, and his own capital is not too strong, mainly because he used to be not very concerned about making money, thinking that as long as it is enough to spend, fortunately, they have the ability, so that the family's business is very prosperous, which has accumulated a lot of family property, but even so, it is not much.

But it doesn't matter if the capital is not abundant, the next thing is his advantage, as a person who has crossed over to the future, his understanding of the bank is far from being comparable to the people of the era of the Great Song Dynasty, and this is also his biggest reliance, now his first step is to open a money bank of his own, and then defeat other Jiaozi shops at the fastest speed, and unify the banknote issuance market in Beijing.

For Li Zhang's idea, Huozi and Ugly Niang were a little worried at first, but after Li Zhang explained to them in detail his idea of the money bank, the two of them also felt that it was very feasible, and Xiuxiu and Douzi sisters and brothers were also very supportive.

Time is money, especially now that the Jiaozi market is in a state of chaos that has just been developed, the Jiaozi shops in the city are springing up like mushrooms after a rain, and there is no overlord-level figure yet, which is also the most favorable time for Li Zhang, so after making a decision, he also immediately began to prepare for the money bank.

In the past, when Li Zhang opened an early shop, he almost asked for money and no money, so the scale of the business was also affected, but now he wants money and money, and there are people, of course, although the money is still a little less, but there is no shortage of people, Huozi and Ugly Niang have been able to take charge of themselves, plus Douzi is also good at accounts, the three of them have become the backbone of the money bank, and at the same time, a group of experienced guys were transferred from Huiwei Zhai and the early shop, and then rented a gate, and the shelves of the money store were set up.

If you want to issue coins, you must need a certain amount of capital, Li Zhang's entire belongings, plus Zhao Zhen's own belongings, finally prepared 50,000 guan, which is not less, when the imperial court issued official Jiaozi in Yizhou, it only prepared more than 300,000 guan of reserve capital, which is a state land, and Li Zhang is now just opening a money bank, 50,000 guan of reserves, according to the proportion of 20% of the reserves, is enough to issue 250,000 banknotes.

However, Li Zhang is still more cautious, thinking that the proportion of 20% is still too low, after all, the money bank is a new thing, and the customer must not be at ease with the money bank at the beginning, so the reserve must be sufficient, so as not to be unable to exchange it for the customer, which will lead to the damage to the reputation of the money bank.

Speaking of which, when Yizhou Jiaozi issued the official Jiaozi, the reserve reached more than 30 percent, and Li Zhang did not have the credit of the government to protect it, so he decided to temporarily set the reserve ratio at 40 percent.

The printing of banknotes is also the top priority, after all, in case someone imitates banknotes one day later, this is also a big problem, in fact, when Jiaozi first appeared, fake Jiaozi also appeared, the counterfeit money of this period of the Great Song Dynasty is generally divided into three kinds, the first is the counterfeit money of later generations, the counterfeiter engraves according to the appearance of the banknote, and then prints the counterfeit money, the second is to alter the amount on the banknote, because the amount of Jiaozi in the Great Song Dynasty is not fixed, and it needs to be filled in later, and the last one is that the person who prints Jiaozi directly sells the real model to others.

For Li Zhang, the real threat of counterfeit money is still the first type, because the banknotes he is going to issue are fixed amounts, and the amount can no longer be changed, and the printing of banknotes He is ready to go to Zhao Zhen and let Zhao Zhen directly transfer the craftsmen in the palace to print, these craftsmen are not only highly skilled, but also have strong confidentiality, which is far more reassuring than handing it over to others.

As for the first kind of counterfeit money, Li Zhang can only try his best to make some anti-counterfeiting means on the banknote, such as number, pattern, color, and even paper material, etc., after these are used, it may be very difficult for others to counterfeit.

In fact, if you want to prevent others from forging, there is one of the most effective ways, that is, to print a sentence on the banknote, "The forger is executed, and the first complainant will be rewarded with five ingots of silver", which is also a sentence on the banknotes issued by the government later, as long as the counterfeiting of banknotes is the death penalty, and those who do not report it will also be severely punished, which makes the people who dare to forge banknotes in ancient times also greatly reduced, but unfortunately although Li Zhang has an official background, his money bank is not an official government after all, and naturally there is no such power.

Zhao Zhen took a part in the money bank, which was also deliberately done by Li Zhang, because the money bank would have a huge influence in the future, and it might even become the only institution that could issue currency in the Great Song Dynasty, and Li Zhang did not intend to keep it in his own hands all the time, so he asked Zhao Zhen to occupy some of the shares first, and then increase the share in Zhao Zhen's hands in the future, and then let the entire money bank be owned by the royal family, after all, such an important institution as the money bank, except for the royal family, others are in the hands of the only way to die.

With the help of Zhao Zhen, the banknotes were also quickly printed, and Li Zhang divided the banknotes into three denominations, namely 500 Wen, Consistent and Shiguan, of which Shiguan belongs to large banknotes, which are not used by ordinary people, but the amount needed to do business is huge, so this denomination is mainly formulated for businessmen.

However, the banknotes are printed, but then there is another problem, that is, how to spend the banknotes, of course, it is definitely not possible to give them away for free, after all, each banknote can be exchanged for the same amount of copper coins in the money bank, so spending it is actually a process of letting others recognize their own banknotes, compared with the previous ones, this recognition process is the most important, and it is also Li Zhang's most headache.

For this problem, Huozi and Ugly Niang also gave their own ideas, such as they can use paper money to trade when they are doing business in Huiwei Zhai or fat powder shop, anyway, paper money can be exchanged at any time, at the beginning those people will definitely be exchanged for copper money immediately after getting it, but after a long time, they will slowly accept paper money.

But Li Zhang felt that this method was too slow and its influence was limited, so he had to think of a way to get more people to accept paper money in the shortest possible time!

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