Chapter 361: Credit is Priceless
Lin Qingliang smiled slightly and said, "You don't have to sing such a high note first, of course I understand it very well." I have 1,000 taels of money here, and if I save it for a year, I can have an interest income of 40 yuan, which is much lower than lending to some merchants, but it is undoubtedly very reassuring to put it here. This Yunnan Bank is a government bank, which can be cashed anytime and anywhere, and its reputation is guaranteed, which is much better than chasing the debtor for accounts! ”
"Huh! And this government bank has a great advantage, if I borrow money here, it will be much lower than the interest rate of those outside that are often half a cent, where can I find such a good thing! In this case, my thousand dollars are stored here, and when I want to borrow money in the future, you won't push back! Hehe, come, hand over the money to the cabinet, let's hand over the accounts, right? ”
As he spoke, he commanded his two young men to remove the coins from the wheelbarrow, carry them laboriously to the account room, and hand them over to the counter of the Bank of Yunnan.
The onlookers saw that the richest man in Yunnan came to save money, and those who were still a little hesitant couldn't help but rise in confidence, and they all rushed to the counter, and those with money hurried to the counter to hand over, and those who didn't bring money hurried home to get money.
Seeing this lively scene, Li Yi couldn't help but smile secretly in his heart, this Lin Qingliang is really good at things, with his advanced knowledge, he must know that Yunnan Bank was not popular at the beginning, and this was specially used as a trust. It's just that he didn't invite him in advance, how did he think of it?
Taking advantage of the money on the counter, Li Yi called Lin Qingliang aside and said, "Mr. Lin is really my nobleman!" When you came, the people saved a lot of money, and our Yunnan Bank opened a good business, thanks to Mr. Lin's help! Hehe! ”
Lin Qingliang smiled and said, "How can I be so magical!" It's not that I'm going to do it, it's really that we ordinary people are good at following the trend, as long as we see something that influential people are involved in, whether it's good or bad, as long as we can see the benefits, we will follow it in a swarm, and we don't need to shout at all. ”
"But! With so many people saving money together and counting every penny, the counter must be too busy. Behold! If the amount of the coin can be changed to several grades, and a coin can be regarded as ten, hundred, or thousand, wouldn't it be much more convenient, and I wouldn't have to push a cart to save money. ”
Lin Qingliang said this casually, but he couldn't help but make Li Yi's heart move, and after thinking for a while, he said, "Yes!" Mr. Lin is really clever, and when you say that, I have an idea. ”
"Let's change the amount of coins and mint all kinds of coins from scratch, not only for the convenience of the common people, but also for those lead money, iron money, and copper money, can be unified, all replaced by copper money, and then according to the amount of a certain amount of currency, the market transaction will be much easier."
Lin Qingliang was slightly stunned when he heard this, and then couldn't help but shake his head and said, "This is not a good idea for you!" Hehe! The handsome man doesn't know anything! Although the purpose of the imperial court in making lead and iron coins was to supplement the shortage of copper coins, in fact, the main purpose was to prevent foreign merchants from exporting copper coins in large quantities. ”
"Think about it! Lead and iron are worthless things, who wants to travel thousands of miles to transport these bulky guys back, even if he transports all this money back, how can he circulate with such money. ”
"So! Countries restrict foreigners from transporting gold, silver, and copper coins out of the country. After foreign merchants come to us to sell their goods, they can only buy our local goods and transport them back to earn their local money. ”
Hearing this, Li Yi couldn't help but suddenly realize. Since he came to Yunnan, he has been busy developing the economy and benefiting the people's livelihood, but he knows nothing about the numismatic system of this era.
Now that countries are fighting their own wars, restricting the flow of rare metals such as gold, silver and copper out of the country, the trade between countries is actually not worthy of the name at all, and can only be regarded as barter trade in disguise.
However, Yunnan has an abundant copper production, and it is very advantageous to use it to buy rare and important materials. For example, those horses from the north, silk from the south of the Yangtze River, porcelain from Jiangxi, and weapons from the Dayi Ning Kingdom, as long as Yunnan offered to exchange genuine copper ingots, they could not help but be unwilling to sell them to themselves.
In addition, we can also make use of the abundant silver and copper resources to mint a large number of copper coins and silver coins of different currencies, which are limited to trading and use in Yunnan, and the market trade order will not be much smoother, and there will be no more chaotic coins.
Thinking of this, Li Yi asked tentatively: "I want to mint a large number of copper coins or silver coins of different currencies in our Yunnan territory, as long as the exit is restricted and limited to circulation in Yunnan, wouldn't the order of market currency circulation be much better." ”
Before Li Yi finished speaking, Lin Qingliang hurriedly said, "Oops! My handsome, this money thing is not just cast by whoever wants to cast, I think you are dizzy after reading too many books. What is the most taboo in the imperial court? The most taboo thing in the imperial court is that the feudal towns expand their armies and support their own troops, and the other is that the local coins are minted privately, which is suspected of establishing a separate imperial court. ”
"Besides, you Yunnan minted so many copper coins and silver coins, it is convenient to buy things, but when people buy your things, they are reluctant to trade with copper coins and silver coins, and will only continue to hoard them privately, and there will be even less gold, silver and copper circulating in the market. After a long time, the gold, silver and copper coins we minted have become more and more scarce, but we have recovered such broken things as lead and iron coins, and the real gains outweigh the losses. How can there be such a business in the world, and if we calculate it like this, won't we suffer a big loss? ”
After listening to Lin Qingliang, Li Yi couldn't help but sweat in his heart, alas! In fact, I know this kind of taboo, but I just feel that the current Yunnan has been authorized by the imperial court to reform independently, so I want to do things more perfectly and straighten out the currency trading market as soon as possible.
Now that I think about it, the old and sophisticated Lin Qingliang is right. Power can be delegated to you, and of course it can be taken up at any time. If he accidentally crosses the Lei Chi, even if Liu Yan himself opens the net, he doesn't care about himself. But can those officials in the court who are hostile to him still let go of this golden opportunity to attack him?
This kind of act of privately minting coins at will is, at best, arbitrary, and uncourted, and at worst, it is a great crime of treason in the base!
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