"→" is a great novel to read.

It should be said that the issuance of silver bills in the Ming Dynasty is really unreliable, especially after the middle of the Ming Dynasty, because of the flood of treasure money, whether it is the common people or the dignitaries, they are quite repulsive to paper money.

Therefore, those corrupt officials and corrupt officials in the Jiajing Dynasty, Longqing Dynasty, and Wanli Dynasty, as well as those eunuchs and tax envoys, have more than a dozen or even dozens of warehouses to store gold, silver and jewelry.

The problem is that there were no silver tickets at that time, or no one dared to issue silver tickets, and the treasure notes issued by the imperial court were all waste paper, and silver tickets were also issued, and it was considered light to hit the streets, so I was afraid that I would not be able to climb up in the smelly ditch.

All, in the Ming Dynasty, no one dared to issue silver tickets, and it was not until the third year of the Mites Qing Daoguang that private firms issued silver tickets again.

However, Zhang Bin dared, because he knew that this was a trend, economic development to a certain extent, paper money to replace metal currency will become inevitable, and at this time, because of his arrival, the Ming economy not only did not decline, but also moved forward, has reached the critical point of demand for paper money, like these big merchant gangs, must need silver tickets to turnover, but no one dares to issue silver tickets.

Sure enough, as soon as his words came out, the helmsmen of the major merchant gangs immediately showed eager expressions.

This is why he said that he could have this effect, his grandfather Huang Lao Gong couldn't do it, even Chongzhen couldn't do it, nothing else, it was a matter of credibility, he was one of the few officials in the Ming Dynasty who was trustworthy, at least in the merchant circle, because those who believed in him made a fortune.

Seeing everyone's expressions, Zhang Bin couldn't help but secretly breathe a sigh of relief in his heart, fortunately, his credibility was enough to offset the distrust of the treasure money in the hearts of these people.

He wasted no time in saying: "Entrusted by the old man Huang, the big shopkeeper of Dongshengtang, I will introduce to you the scale of issuance and exchange methods of this silver ticket. ”

What he said was just a scene, in fact, many people here knew that he had something to do with Dongshengtang, and even some people knew that Old Man Huang was his grandfather, but no one broke this matter, why should other people's family affairs be talked about, as long as it is beneficial to themselves.

Zhang Bin then picked up a piece of manuscript paper and pretended to read: "This time, the face value of the silver tickets issued by Dongshengtang is one hundred taels, and the total amount is eight million taels, which are issued in Guangdong, Fujian, Zhejiang, Jiangxi, Nanzhili, Shandong, Beizhili and the subject country of Ryukyu, each with one million taels. ”

After that, he directly signaled his uncle Huang Cheng to distribute stacks of silver tickets to the helmsman of a big merchant gang, each stack is eight, the style is the same, the front is five big characters, "one hundred taels of silver", and then a row of small characters, Dongshengtang acceptance silver tickets, all over the Ming Dynasty, in addition to some complex patterns and numbers, the back is also printed with a pair of exquisite landscape paintings, this is the scenery near the mouth of the Wuyi Valley, everyone who has been there knows.

However, on the front of each silver ticket, the names of various places are printed in large pale red letters to distinguish them.

Everyone took the silver ticket and looked with great interest, some were paying attention to the pattern on it, some were checking the material of the silver ticket, and some were even secretly tearing, if the silver ticket was broken, it would be a bit of a joke, after all, these silver tickets are used frequently, who can guarantee that they will not accidentally tear it.

Fortunately, the material of the silver ticket is quite hard, as long as you don't tear it on purpose, there is no problem at all if you pull it a few times.

Seeing everyone's satisfied expressions, Zhang Bin continued to introduce: "These silver tickets are only open to the exchange of ten cities in Guangzhou, Zhuhai, Fuzhou, Yuegang, Hangzhou, Nanchang, Jinling, Jinan, Beijing and Naha Port of the Ryukyus, that is to say, you can exchange silver for the total number of Dongshengtang in these cities with silver tickets, and Dongshengtang has prepared enough reserve silver taels in ten cities, one million taels each, only a lot more, you can rest assured." ”

When the heads of the major merchant gangs heard this, they all showed surprise, these words showed the strength of Dongshengtang from the side, just these few places, there are tens of millions of taels of silver, plus other places, isn't it almost 20 million taels!

Although these are all big merchants and big bosses here, they are basically at the level of one million taels, and it is not for nothing that there are more than one million taels of assets, but at most it is about four or five million taels, and there is no one like Dongshengtang who can take out ten million taels of silver casually.

Zhang Bin saw everyone's expressions, and couldn't help but feel secretly proud in his heart, he was surprised now, it's still early, and as soon as the business of silver tickets and pills and pills is launched, Dongshengtang's assets can at least double, and then it will be called a scary.

He continued: "The way to obtain this silver ticket is very simple, that is, to exchange it for cash, and you will exchange it for as much silver as you save. However, there is a charge for cashing in the bank, and if it is a local exchange, one hundred taels will be charged a tael of custody fees; If it is a non-local exchange, one hundred taels will be charged one tael of storage fees plus one tael of transportation fees. For example, if you take a silver ticket printed with the Fujian character to Fuzhou and Yuegang for exchange, one hundred taels will only be charged one tael of silver for storage, and if you get Jinling for exchange, one hundred taels of silver will be charged for two taels. In addition, if the amount exceeds 100,000 taels, you need to give two days' notice, and if the amount exceeds 1 million taels, you need to give five days' notice, after all, it takes time to prepare silver, right? ”

Isn't it unreasonable to charge a storage fee for this deposit?

No one thinks it's unreasonable, there is no safe or anything at this time, and the silver also takes up a lot of space, if you put tens of thousands of taels or even hundreds of thousands of taels of silver at home, how can you rest assured if you don't invite a bunch of people to take care of the home, these people have to pay for their work, and you have to be scared, it is different in Dongshengtang, as long as you keep the silver ticket, you don't have to worry about other things.

As for the handling fee for the exchange of different places, then no one thinks it is unreasonable, you have to transport tens of thousands of taels or even hundreds of thousands of taels of silver through the state and province, then you must not invite the dart bureau to protect the body, the cost is not one hundred taels to collect one tael as simple, the remuneration of the dart bureau, the food and accommodation of the people, all the way down a hundred taels will cost at least three or four taels of freight, only one or two silver is cheap enough.

These are not problems, but there are people who have a lot of other problems.

A big shopkeeper of the Huizhou merchant gang coughed, stood up and arched his hand: "My lord, Jinling can only be exchanged for one million taels, it's a little less, what if the silver ticket is redeemed, we can't exchange it for a silver ticket with silver!" ”

Zhang Bin naturally thought of this question for a long time, he nodded, and explained: "This needs to wait, you can apply with a book, Dongshengtang receives the application for about a month, you can deposit silver, after all, it takes time to prepare the place to deposit silver, right?" ”

In fact, he is not ready to store the silver in all parts of the Ming Dynasty, and each Dongshengtang branch will deposit a maximum of two million taels of silver, and more will be pulled to Dayuan City, which is also the reason why he stipulates that the exchange of more than one million taels must be notified five days in advance, because there are wheels, and the farthest capital can almost make a round trip in five days, and it can be transferred in the nearby area.

This problem is also the most concerned issue for many of the big shopkeepers here, because there are many rich people in Jinling and Zhejiang, not to mention one million taels, it is really popular to ask for silver tickets, and it is estimated that ten million taels is not enough.

As soon as Zhang Bin said this, everyone was relieved, after all, there were no silver ticket shops that could store silver taels for dozens or hundreds of years, and it was not a big deal to wait for these two more, the big shopkeeper sat down satisfied, and then, another big shopkeeper stood up and arched his hand: "Lord Governor, what about other provinces, after all, we have a lot of goods from other provinces, and we will save a lot of trouble if we want silver tickets to be exchanged." ”

Zhang Bin also thought about this problem, he muttered: "Other provinces are estimated to wait for next year, if the situation is good, Dongshengtang will first open a small exchange of less than 100,000 taels, this depends on the situation, in short, Dongshengtang's exchange locations will definitely be more and more, you don't have to worry about this, the entire Ming Dynasty and even the entire Nanyang Tongtong exchange is only a matter of time." ”

In fact, many people here understand that the situation that the Governor said is that those thieves are rebelling, and the five northwestern provinces are afraid that they will not be able to count on it in recent years, and there are thieves everywhere.

The second big shopkeeper sat down with a little regret, and then another big shopkeeper stood up and said, "Your Excellency, can we use the silver ticket to do business directly with other vendors?" After all, even if the silver was exchanged in various provincial cities and capitals, it would be quite troublesome to get it to the place. ”

Zhang Bin didn't take this problem into account, he estimated that it would take a long time for the silver ticket to be used directly as a currency in circulation, but he didn't expect that some people would want to use the silver ticket as currency at this time, he could only encourage: "This depends on the other party's meaning, if he is willing to accept the silver ticket Dongshengtang will naturally not object, the silver ticket is yours as soon as it is issued, how do you want to use it, that is your business, Dongshengtang only recognizes the silver ticket and does not recognize people." ”

This big shopkeeper was mainly afraid that others would go to Dongshengtang with a silver ticket and refuse to exchange, it seemed that this situation did not exist, so he also arched his hand and sat down satisfied.

Immediately afterwards, another big shopkeeper stood up and arched his hand: "Your Excellency Governor, if we want to exchange the silver ticket, can we directly ask Dongshengtang to send someone to pick it up?" ”

This guy wants to save even the money sent to Dongshengtang, but this is the period of promoting silver tickets, so don't worry about such a trivial matter, try to let people use silver tickets is the key, Zhang Bin nodded and agreed: "If the number exceeds 10,000 taels, you can consider sending people, but it may not be possible to arrive immediately, it is also possible, you need to wait for a day or two." ”

This big shopkeeper really wants to save money, because his shop is in Huizhou, and it will cost a lot of money to pull the silver to Jinling, and it is nothing for him to wait for a day or two, as long as he can save money, he also sat down satisfied.

Immediately afterwards, another big shopkeeper got up and arched his hand: "Your Excellency Governor, has Dongshengtang considered starting to exchange money in places that do not belong to the Ming Dynasty, such as Manila in Luzon, where there are also many Ming merchants who do business, can you consider it?" ”

Zhang Bin was stunned when he heard this, he really hadn't thought about this problem, the two capitals and thirteen provinces of Daming have not all been opened, who would want to go somewhere else, but Manila is also a relatively important treaty port, there are indeed more Ming merchants doing business over there, it is estimated that this guy is doing a lot of business over there.

He thought about it for a while, and then said solemnly: "This needs to be negotiated with the Spaniards, if the official has time, he will go to Manila, I believe that the Spaniards should not object to this little matter, we will strive to open it within two or three years." ”

This is really domineering, the Governor never thought that people would disagree, or that people would dare to disagree!

This guy is indeed doing business in Manila, and it is relatively large, he naturally hopes to exchange silver directly in Manila, after all, it is also very dangerous to cross the ocean with hundreds of thousands of taels of silver, hearing Zhang Bin say this, he immediately said excitedly: "Thank you, Lord Governor." ”

Zhang Bin waved his hand slightly, motioned for him to sit down, and then looked around, no one got up to ask questions again, these people all wanted Dongshengtang to open more exchange places to facilitate their business, and they never doubted Dongshengtang's credibility at all, it seems that they are really eager to have a firm stand up and issue silver tickets, but they themselves don't dare.

Judging from the situation this time, there should be no problem with the issuance of silver tickets, Zhang Bin saw that everyone didn't ask questions, so he raised his glass and said: "Come, I toast everyone, I wish everyone a prosperous business and a wide range of financial resources." ”

The helmsman of the major business gangs hurriedly stood up, toasted and thanked again and again, a silver ticket "press conference" ended successfully, and in less than a month, the first batch of eight million silver tickets were snatched up, and almost all over the country came to apply for additional silver tickets, especially in Nanzhili and Zhejiang, the amount was not less than five million taels!

This time, Zhang Bin is busy enough, it is not so simple to open a silver ticket shop, it is not to accept other people's silver to give the silver ticket and it will be over, there are still many processes to sort out in the middle.

For example, the care of silver taels, each exchange city has at least two million taels of silver, which is a crazy number, how can you do it without sending someone to guard it.

Zhang Bin came up with the method of recruiting veterans from Dongfan, in the past few years, there are thousands of veterans from Dongfan, some are injured, some are old, and some are war-weary, these people have no problem sending to guard the silver treasury, anyway, their families are in Dongfan, and they are not afraid of what they do.

For example, the transfer of silver taels, one million taels of silver, almost twenty wheels are needed, this wheel is easy to do, just allocate a batch to Dongshengtang for use, mainly personnel, this can only use veterans, of course, they may not all be able to drive wheels, can only let the Fujian and Guangdong sailors take them to familiarize themselves with a period of time, and then let them transfer alone.

There is also a big problem of silver taels, according to the speed of this month, I am afraid that the exchange points around Daming will exchange at least forty or fifty million taels of silver, which is not a little place that can be put down, fortunately, there are still a lot of spare places in Dayuan City, Zhang Bin directly drew a vacant land behind the governor's palace, the wall guard tower was repaired, and the silver treasury was directly built according to the scale of 100 million taels, just look at how much money these rich people in Daming have!

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