The powerful power of banks and money, as a traverser, even if Luo Yuhong does not emphasize Zhu Pingjin, he knows it. Money is a weapon of great lethality, and the larger the quantity and the wider the circulation, the greater its effect. The wife talked eloquently to Zhu Pingjin, but Zhu Pingjin's thoughts deserted, and such a disobedient and funny picture appeared in his head:

Zhang Xianzhong broke into a city, robbed a large family, and then found a large stack of golden tickets. Should Zhang Xianzhong be happy or worried? A stack of golden tickets meant a lot of gold, and of course he should be happy; But to exchange it for real gold, he had to run to Zhu Pingjin's territory, and he could not only be refused to pay, but also be caught and beheaded, so he was in a dilemma. Then can't he just run away with the gold money? Of course, you can, but except for Sichuan, there is no online store of Qianzhuang anywhere else.

What should I do if I can't redeem it? The smart Zhang Xianzhong came up with a good way: on his own territory, help Zhu Pingjin open a money bank!

"What's the smirk? You didn't listen to what I said? A slender jade hand shook in front of Zhu Pingjian's eyes. He subconsciously reached out to touch it, but was beaten.

"We're in a meeting! Be serious at work! "My wife is going crazy.

"I'm thinking about Zhang Xianzhong, what if he grabs the gold money we printed, the more I think about it, the funnier it gets." Zhu Pingjin hurriedly explained, "The power of banknotes is sometimes greater than the power of guns, guns, knives and guns. It can make our enemies willingly bow down to our feet, so money is also combat power! ”

"You officials with engineering backgrounds finally know a little bit about finance! According to the terminology of MLM, as many people use our banknotes, as many people become our downline! ”

In the issuance of gold banknotes, there is another important problem that has plagued ancient and modern times, counterfeit banknotes.

The Ming Dynasty was no exception.

The solution given by the imperial court was to impose heavy penalties and leave for leave. In the box at the bottom of the front of each "Daming Pass Treasure Banknote", murderous words are printed.

"Zhongshu Province (Household Department) is allowed to print and manufacture Ming treasure banknotes and copper coins for common use, and those who forge them will be beheaded, and those who are arrested will be rewarded with 250 taels of silver, and they will still give the prisoners property." This is a combination of heavy punishment and public reporting.

But Luo Yuhong believes that to solve the problem of counterfeit banknotes, the important thing is not the legal provisions, but the technical advantages.

She took out a piece of white paper from the makeup bamboo basket and handed it to Zhu Pingjian: "I am in Yazhou, and I quietly asked the master of the paper workshop to make it." The raw material is cotton. In the past, we used short cotton wool. ”

Zhu Pingjin caught the paper and pinched it. The paper is thick and elastic, but the finish is not enough.

"It's only a semi-finished product, and it hasn't been lightly dyed with wax calender (YA). I deliberately didn't let one workshop do all the work. ”

Luo Yuhong took out a folded treasure note from the bamboo basket and handed it to Zhu Pingjin for comparison.

"You see, the paper used for the treasure money is much worse. made of mulberry bark, afraid of rubbing it for fear of rotting if it gets wet. In the future, I will also add glue to the paper, ink and engraving printing. These are all high-tech and cannot be imitated by ordinary people in a short period of time. ”

"Can you add a watermark, so that people can know the truth at a glance?"

"I haven't tried this yet, but it should be difficult, right?"

"You should give it a try and maintain the technological edge. Most of the time I made my hands and feet on the paperboard when I was making paper. You know, the original fake invoices have watermarks on them, so it shouldn't be that hard. ”

"Alright then, I'll try."

"And this treasure is too big, one foot high, six inches wide, as big as a piece of butt paper. Make it smaller, like the size of a 100-dollar bill. Paper-making craftsmen should be secretly gathered and put under military control, and papermaking and printing should be separated, and plate-making and printing should also be separated. ”

"Well, it's getting more and more verbose, I know that. I'm ready to start issuing on a 10-to-11 basis, and that extra 10% is ......"

Zhu Pingjin interrupted his wife's words, "Wait, what is the profit model of Qianzhuang?" ”

"The profit model is that deposits and loans eat interest rate differentials. Why do you ask this? His wife was puzzled.

Zhu Pingjin shook his head and said, "Which bank makes money just by eating interest rate differentials?" Not to mention, for example, our family's money bank, just silver smelting and purification, copper money and silver exchange, collateral selling, non-local exchange and so on, are very profitable. You haven't been involved in a money bank, so you can't be the general manager. It takes a professional to do it. ”

"Another eunuch?"

"What's wrong with the eunuch, the disabled are not people? Persons with disabilities have no human rights? ”

"Why did you come up with the idea?"

"What's your family and my family, it's all one family, how sad it is to say it separately!"

"That's going to be three years from now!" Luo Yuhong finally went crazy.

"I'm going to be complimentary!" Zhu Pingjin urinated and fled.

Luo Yuhong was an anxious person, and the matter must have come down, so she asked to see the batch of reserves. Zhu Pingjin is now full of military training equipment and Wang Zhuang's overall implementation, where is he in the mood to hang out with her. So he wrote a warrant and instructed Li Sixian to show her the way, and he ran to report to the princess. The matter of opening a money bank is too big, and it needs to use the resources of the palace, so it must be supported by the princess.

More than ten days have passed since the death of the princess, and the princess's spirit is obviously much better. But the folds and loose skin at the corners of her eyes indicate that she still has a bad rest. When Zhu Pingjin entered, it was just in time for lunch, so the two of them ate while talking.

"It's enough to have a restless one, and in the future, two restless ones will get together, and I don't know what tricks to play!"

The princess listened to her son's report and sighed: "According to the scale you said, this is to squeeze out the money of the Sichuan people's houses. The palace also opened several money houses, but they didn't expect to open such a big one. To open a money bank, one must have strong funds, two backends must be hard, and three cannot steal money. Who can compare to our palace in terms of funds and backstage? Since Miss Luo is the daughter-in-law of my Zhu family sooner or later, and this matter is her idea, let her take care of it, there is no reason for her own family to steal her own family. Her idea for that gold bill was good, but ten to eleven didn't make any money. Most of the people in the government use silver, and it is not easy to make credit for gold money. Why don't you melt all the gold and make it into a hundred taels of gold ingots! Let the people and merchants come to see, the store opened by our palace will not collapse, and it will not be a big bully. ”

One hundred taels of gold ingots is bigger than the current fifty-one taels of gold and silver ingots! The princess's idea is magnificent, on the surface, it is to show her strength and establish credit, but in fact, if you want to exchange a hundred taels of gold ingots, you have to exchange it for a thousand taels of silver. Once the gold notes are issued, the difficulty of re-exchanging them for gold increases dramatically.

"Mom, that's a great idea! I'm going to build an open vault in the bank, and pile all the ingots in the middle, so that all the customers who are uneasy will come and visit. ”

"Gold bills can be issued, but slowly. It's the silver money that should be issued first! Most of the people in the government use silver, which is a thousand-year-old habit that cannot be changed in a short time. Besides, the government collects taxes and asks for silver, and if you don't issue silver money, you will lose a lot of business. You said that there is a profit in the middle of the exchange price difference between the gold price in Tibet and Chengdu, so you can't separate the gold and silver all at once. How much can you have in 40,000 taels of gold? Take more time and quietly collect some gold. As for the comparison between gold and silver, what do you do with it? The lower the price of gold, the lower the cost of your acquisition......"

The son was troubled by this matter, and the mother's words made the son suddenly. Mom, you're so proficient in the affairs of the bank, why don't you take care of it! ”

The chopsticks knocked lightly on the door of Zhu Pingjin's head: "Silly son, your mother is now a surviving person, how can she show her head?" And Miss Naluo is also not easy to show up. Why don't I let the shopkeeper Qiu of Huangchengba Qianzhuang take care of her and do some work on the surface. Shopkeeper Qiu is your mother's mother's family, and he married me to the palace together back then, and he was the most cautious and sophisticated. We can't monopolize the shares of Qianzhuang, we have to share some profits. That Liao tycoon, through his relative Liu family's daughter-in-law, told him several times in front of his mother that he wanted to do business together. He is nothing more than eyeing the business of Ya'an Tea Horse! Mom didn't promise him. Thinking beautifully, why did my son scoop a scoop of oil for him all the way out of the business road that he broke out dangerously? If you want to divide the money, you must first get the capital! This time, we can find him. He bought a share, and later collected taxes, so that the local government did not have to transport the silver. At the end of the year, you send him money, and you don't have to make a big ......"

"The son thought, in addition to Liao Daheng, we can also bring in several county palaces, and by the way, clarify the matter of land management. King Neijiang is close to his son, and the fourth aunt is not a big problem. It's just a few other ......."

"If they don't know what to do, they might as well make a fuss."

"Damn, I mean the ...... of the prison"

"Humph! Your father is dead, and you are lonely below, so you need to find a few relatives to keep you company! ”

"Okay, then choose King Deyang first, and kill the chicken to show the monkey. Zhu Zhijun (Note 1) was enshrined in the 44th year of Jiajing, and his foundation is not deep. After being out of worship for so long, the small sect has almost dispersed. Anyway, my father's matter is not so easy to end! My father is dead, and I am a victim. Speaking louder, that's a matter of course. What is it called? It's called filial piety! ”

"My son is just smart! It's just a shop used by the money bank, let my mother think about it again. With such a big bank, you can't be stingy......"

"The son saw that the garden that his father had built was very good! There are many houses and a large territory, but now that my father is gone, everyone is scattered, and there are only a few old eunuchs left to guard it. It's a pity that the garden is idle, so it's better to use it to run a money bank and open a school. ”

The princess gritted her teeth when she thought of the palace courtyard. The son found a grand reason to dispose of the garden, and she couldn't wait. But after all, there was always a figure in the garden, which made her very uneasy: "Since your father died, my heart has been ......."

As she spoke, her eyes began to fill with tears.

Zhu Pingjin slapped and drove all the eunuchs and maids out.

"Mom, we still have a long life, and we can't live in depression forever. Daddy is dead, and you still have my son. In the future, I will marry Miss Luo, and then let you hold a grandson, okay? ”

"Hug two! No, at least three! The princess burst into tears and laughed.

"Son's body, no problem!" Zhu Pingjin patted his chest.

Selling Moe is successful again.

The well-fed Zhu Pingjin came out of the princess and got everything he wanted: the shopkeeper, the shopkeeper, the shopkeeper, and the princess's advice on the distribution of shares in the bank.

Everything is ready, only the east wind is owed, and the other businesses of the money village are ready-made, just waiting for when the wife's gold and silver banknotes can be printed.

But Zhu Pingjin was not happy at all. When parting, the princess pulled him and asked a question, which made his heart heavy: "Good boy, tell your mother the truth." Do you think that my three-five-year limit is coming? ”

"Why did the concubine say this?" At that time, Zhu Pingjin sighed in his heart, is there another mole around him?

"You were born to me, can you know what you think about your mother?" The sparkle in the princess's eyes was breathtaking.

"If you think Da Ming is still saved, just grab Liao Daheng alone. When he was transferred, we took his shares. With the sign of our Shu Wangfu in the way, the new governor can only stare dryly even if he knows it. But if you want to give the shares to other officials in Sichuan, it is clear that you want to use money to coerce them! When the emperor of Jingshi falls, won't you have a chance? Your father was just thinking about daydreaming that one day the officials would nominate him, why didn't he think of using the trick of money shares? Tell me the truth, was this your idea, or Miss Luo's idea? ”

Note 1: There are individual historical records that Zhu Zhijun, the king of Deyang, later fled from Sichuan to Cao Ping, Vietnam, where he surrendered to the Qing Dynasty.