As for the question of "who will issue negotiable coupons" (how to supervise the issuance), Wang Yue has long been confident, and as the spokesperson of Gongyu Wenwen of the State of Yi, he has naturally studied how to promote negotiable coupons for a long time. Pen & Fun & Pavilion www.biquge.info

"Ladies and gentlemen, everyone does not speak darkly, and the paper and printing of the negotiable coupons are naturally responsible for the contempt, but the necessary supervision must be necessary, and the contempt does not want to see the situation of wanton overissuance of negotiable coupons."

"As the so-called prison guards steal, since the contempt is responsible for the distribution, then they must not be able to supervise themselves, the identity of the owner of the disdain is respectful, if you want to be domineering, everyone will find it difficult to do..."

When the owners present heard this, they quickly said "no, no", although that's what they thought in their hearts.

Wang Yue was not polite, and directly cut to the topic: "The issuance of negotiable coupons must be supervised, and everyone supervises it together, so that everyone can sleep soundly." ”

"The issuance of negotiable coupons is based on the principle of how many finely woven fabrics each company produces, then how many denominations of negotiable coupons will be issued, so it also involves the issue of counting the output of each company."

"The output of cloth fluctuates, and the circulation coupons will inevitably be damaged in the process of circulating coupons, and how to recycle, reissue and adjust the number of negotiable coupons on the market also needs to be managed by special organizations."

"There is also the issue of exchange, how to mobilize the cloth to deal with the large amount of cash that a certain cloth workshop has encountered, which also needs to be presided over by someone in the middle."

"Therefore, the suggestion of the contempt is that the issuance of negotiable coupons requires the establishment of a special organization, or institution, and the proprietors participating in the joint guarantee are the members of it, specifying all kinds of rules and regulations to manage the negotiable coupons according to the agreement."

Speaking of this, Wang Yue expressed his attitude: "The issuance of negotiable coupons must be approved by this institution, and the disdain bears the responsibility of printing, so I am willing to let the owners who participate in the joint guarantee send people to the printing workshop to supervise." ”

"Once you find that there is an unauthorized misuse of the number, you can immediately withdraw from the joint guarantee and refuse to accept the negotiable coupons!"

'Who dares to retreat...'

Everyone here thinks so, but Wang Yue has said this, the sincerity is already very sufficient, and the reputation of the Duke of Yi has always been good, and the negotiable coupons are indeed very beneficial, so no one is boycotting.

"May I ask the shopkeeper Wang, what is the name of this institution? How is it composed? How does it work? ”

"Wang suggested that this agency call it 'cabinet shop', the specific rules, and listen to Wang's details..."

。。。。。。

In the backyard of the Duke of Yiguo, in Tingtao Courtyard, Yu Wenwen turned into a "beast" and began to lure the three "female students" who tried to "protect the research", so that they could let go of their minds and boldly take "that step".

"If you want to talk about what a cabinet shop is, you must first know what a store is."

"For those who live in the shop, the place where they live is the house, and the place where they sell is the shop..."

Di shop, at the beginning divided into Di and shop, appeared in the Eastern Jin Dynasty, the Southern Dynasty economy was active, by the Yangtze River water conservancy, merchants went back and forth to the east and west of the river, accommodation, storage of goods need "Di", sale of goods need "shop".

After the Southern Dynasty went through the Song, Qi and Liang dynasties, by this time the Di and the shop had been jointly called, and the Di Dian was a facility integrating shops, accommodation and warehouses in this era, and it was the product of the evolution with the prosperity of commerce.

And Huangzhou is now developing commerce, and Didian has sprung up like mushrooms after a rain.

After the merchant brought the goods to the store, the owner of the store acted as an intermediary for the merchant to sell the goods or buy the goods. In this way, the store has developed into a place for merchants to trade, with a variety of properties, such as warehouses, hostels, and shops.

Di shop charges Di value (stack rent), profitable, the stronger the strength of the Di shop owner, the more profitable it is, since it is profitable, Yu Wenwen will naturally not let go of this business opportunity.

"And what is the cabinet?"

Yang Lihua appropriately asked questions and asked Yu Wenwen to lead to the next topic.

'Cabinet Fang, appeared in the Tang Dynasty...' Yu Wenwen almost blurted out, but he couldn't help it, otherwise he would have to explain what "Tang Dynasty" was.

"Cabinet shop, this is the name of the husband, everyone knows that when a merchant goes out to do business, it is inconvenient to carry copper coins and cloth, especially for bulk goods transactions, and the money and silk are calculated by how many cars and ships..."

Yu Wenwen said that it is a big problem faced by doing business in this era and even before modern times, and it is inconvenient for businessmen to travel long distances with huge amounts of money, just like a fat sheep, so that all kinds of "heroes" everywhere they go are salivating.

It is a common idiom to describe a person who has a lot of money, but if it is more realistic, this is an exaggerated adjective, and the copper money has always ranged from three to six catties, even if it is calculated according to the consistent money of three catties, the weight of ten thousand pounds of money is not something that normal humans can afford.

In the transaction of bulk goods, it is normal to use tens of thousands of dollars, even if it is converted into cloth, its weight is also very heavy, so it is a problem to transport so much money and silk, in order to solve this problem, the cabinet shop appeared.

The cabinet shop is a further evolution of the Didian, and it is also the predecessor of the money bank, in short, the ancient bank.

Historically, the cabinet shop appeared in the middle and Tang dynasties, and the prosperous commercial activities in the Tang Dynasty, the problem of inconvenient transportation of huge amounts of money and silk caused by the trade of bulk goods became more and more obvious, and the cabinet workshop that could "access" money and silk came into being.

After the advent of the cabinet, another thing appeared, that is, "flying money", which was the prototype of the early bill of exchange, which saved the fatigue and high risk of transporting coins.

"The bills of exchange of the Ruixing, like birds flying in various places, can also be called flying money, with this thing, merchants travel back and forth between Huangzhou and Shannan, and no longer worry about the heavy money and silk transportation problems."

"The issuance of negotiable vouchers, instead of the circulation of money and silk, those merchants need a place to exchange, in order to ensure that there is enough cloth, so it is necessary to set up a special institution, that is, the cabinet, and the role of the cabinet is not only that, the deposit and withdrawal of copper coins and loans, is also an important business."

"The cabinet and the bill of exchange are connected together, which can make it more convenient for merchants to travel between places, and when they arrive in Xiyang City, it will be more convenient to use the negotiable bills issued by the cabinet shop, of course, they have to pay an appropriate fee for this convenience."

Speaking of which, Yu Wenwen's meaning couldn't be clearer, cabinets, bills of exchange, and negotiable bills are to provide a kind of goods called "convenience", and those who buy such goods have to pay.

Yu Wenwen gave an example of a typical business process.

The merchants of Jiangling brought a huge amount of copper money to the branch of the cabinet in the city, and after opening the bill of exchange, they easily boarded the ship, and after coming to Huangzhou, they cashed the bill of exchange in the cabinet of Xiyang City, not as copper money, but as a "negotiable bill".

With the circulation of the voucher in Xiyang City to buy a lot, during this period are the light fluttering circulation vouchers, do not need to carry heavy copper coins or cloth, if there is still a surplus does not matter, before leaving in the cabinet to handle the bill of exchange.

Returning to Gangneung with the goods, cashing the copper coins with the bills of exchange, the whole process from departure to return no longer uses heavy copper coins, and what needs to be dealt with during this period is paper bills of exchange and negotiable bills.

"If you use a piece of paper instead of a copper coin, why should others believe you? So the key is the word 'credit'. "What Yu Wenwen said is the key issue.

"For the husband to concentrate the strength of Huangzhou cloth merchants, with cloth as the exchange benchmark, the establishment of a cabinet, not only can deposit and withdraw large amounts of copper money, but also open exchange business, in Xiyang City to issue circulation coupons, the circulation of coupons for joint protection, all cloth merchants to ensure their credit, and this credit is specifically the hot Huangzhou cloth."

"This is the so-called 'cloth standard', how about it, haven't you heard of it?" (To be continued.) )