"I've seen Sangbang." In the bright Jinxing Ming Hall, Wan asked Zhao Liang and Zhao Jin to sit down, and he pointed to the crowd queuing up outside to exchange silver and said: "In a hurry these days, Pingdan Fang will send the silver money exchange price to Xiangbang Mansion......"

Jinhang is not a palace room, there is no platform, but the decoration is better than the palace room. If the gold bank is not luxurious, how can the businessman rest assured that he will save his money? Lu Li paved the ground for windows and celadon, and made gold and silver as a pavement, and people who had never seen the market would be suppressed as soon as they came in.

Of course, Zhao Liang would not be suppressed, he suppressed his anger and said: "Mr. Zhao has 24,000 yuan for me with a pound of silver, which is too much!" ”

"Xiangbang's words are wrong. Silver is not money, silver is goods. The noble merchant made Zhao Qian to buy silver, and if the price was high, he would buy it; If the price is cheap, the door is also like the market. How can Xiangbang be too contemptuous in words and deeds? Wan Han smiled, and before Zhao Liang retorted, his voice suddenly raised again, and said, "This Zhao country's money is too cheap." Now 480 yuan is worth a stone of miscellaneous corn, 650 yuan is a horse of linen, and a pound of silver is exchanged for 24,000 yuan. ”

"Miu!" Zhao Jin angrily reprimanded, "Su's official price is only more than eighty yuan......

"More than eighty dollars can buy stone millet?" Wan's voice was louder than Zhao Jin, "Dare to ask if the food under your feet is more than 80 yuan of official price?" ”

Wan's question made Zhao Jin stunned, he really didn't know how much money he bought the millet he ate in his house. Wan continued: "Silver is a commodity, and the price is high, and the noble merchant has his own measure, so why do you need to come to inquire about the price of silver. Contemptible people think that instead of buying thousands of goods in the big market, Zhao Qian should be exchanged for silver coins and stored at home. Although the price of such goods is high, it should not rise sharply, and Jia does not hesitate to sell, and big businessmen do not hoard, which is of great benefit to Zhao State. ”

"It's even more profitable for the Four Nations Gold Bank!" Zhao Jin refuted again. "Today, you sell my Zhao money ten times cheaper, but I Zhao Guo wants to buy back Zhao money at the currency price, and the benefits here are ten times more!"

"But when will Zhao Guo be able to take back Zhao Qian at the currency price?" Wan immediately asked rhetorically. "Please tell you, thank you."

In case a 'He Day' blocked Zhao Jin's mouth again. Ten times the profit, one year can get that of course, that is a huge profit, but if you want ten or twenty years to have ten times the profit, it is a loss. If Zhao Guo really died at the hands of Qin State, it would be a loss of money, and the Four Kingdoms Gold Bank could only receive a warehouse of blister copper in the end.

"Qi and Chu set up the Four Nations Gold Bank to save Zhao, and lost Zhao to gold and silver, and the price of Zhao money was so low, and there was an endless stream of people who exchanged 24,000 pounds of silver, what can I do? If Xiangbang feels that the price of money is too cheap, he can sue Zhao Ren for not redeeming it, but what? Wan blocked Zhao Jin's mouth and told Zhao Liang again.

At this time, Zhao Liang had already woken up, not to mention that losing money to Zhao was a gamble, even if Zhao Guosheji was still there, it would take at least twenty or thirty years to recover this money, and it would take twenty or thirty years for people to get ten times the profit, so there was really nothing to complain about.

"Zhao Liang is wrong to blame Mr." Zhao Liang got up and apologized to Wan Shen.

"Xiangbang is worried about Zhao Guo, what's wrong." Wan quickly got up and saluted back.

"Mr. said, even if you redeem Zhao money, the price of goods is still high?" The atmosphere in the Ming Hall was harmonious, and Zhao Liang cared about the price of money, and he was even more concerned about the price.

"Yes, yes." Wan nodded. "The gold bank only imports gold and silver instead of 10,000 goods, and the money is more and the goods are less, and the price is still high."

"This ......" Zhao Liang didn't understand a little, he was not a light and heavy family, and he didn't understand light and heavy techniques.

"Redeeming money is not to reduce the price of 10,000 goods, but to stabilize the price of 10,000 goods." Wan explained. "In the past, the price of money in Zhao was unstable, who dared to sell goods to Zhao? It's not profitable, and the businessmen don't come. Merchants do not come, and the price of goods is even higher; The higher the price of goods, the more money is minted; The more money is minted, the more unstable the price of money becomes; The price of money is even more unstable, and the merchants are even less ......"

Wanxiang Zhao Liang described an increasingly bad cycle, which was the Zhao economy during the war, which gradually failed gradually. What the gold bank is doing now is to stop the worsening trend and turn the negative cycle into a positive cycle. Money prices are stable, long-distance traffic is profitable, and high prices attract merchants to rack their brains to bring in goods, and prices gradually fall.

"However, the price of money is so low, how can the imperial court buy the goods trafficked by merchants?" Zhao Jin was stupid, he still had opinions about the gold bank, especially the money house could no longer mint coins, and all the money casting models were moved away and seized by the gold bank.

"Naturally, it's debt." Wan replied. "I see that the nobles and businessmen of Zhao Kingdom are all rich, why not lend money to them?"

Wan Zhiyan finally reminded Zhao Liang of Ge De's report, which had been said about bonds. Zhao Jin said: "The gold of Zhao State is owned by Zhao State, so why borrow it?" ”

"With the new Zhao law, if it is not what others want, private property shall not be forcibly expropriated." Wan brought out the latest revision of Zhao Lu. "However, if it falls into the hands of the Qin people, not to mention private property, there is no life, why don't they borrow it? If you are willing to borrow, why force it? Bonds can be sold. ”

"How much money does it cost to sell bonds?" Zhao Liang understood what Wan meant, the issuance of bonds was to bind all the nobles and Zhao Guo together, and if Zhao Guo really died, the money lent out would definitely not be repaid.

"Five out of five." Wan replied. This is the annual interest rate of the treasury bonds set by Xiong Jing that year.

"Five in a year?" Zhao Liang asked. If it's an annual interest rate, it's not that high.

"Yes, yes." Wandao. "The state of Zhao can borrow from the nobles and merchants in the country, and it can also borrow from the states of Wei, Qi, and Chu. However, depending on the relationship between countries, the bonds sold may need to be discounted, which is determined by the bond market. ”

"Debt...... City, debt also has a market? Zhao Lianghu asked suspiciously.

"Yes." Wan nodded, indicating that it was indeed true. "Yingdu, Linzi, Daliang, Handan, and the four countries will all have bond markets next year. Bonds can be sold in the bond market, whichever is higher. The price is high, Zhao Guo has more gold, and the price is low, and Zhao Guo has less gold. ”

The Linzi meeting of the four countries was essentially to discuss the construction of the economic system of the four countries. If there are banks, there must be a bond market. With the bond market, the bonds of various countries can be bought freely, and simple borrowing can absorb more funds. At the same time, just like the original proposal of Xinling Jun Wei Jianwei, borrowing can bind the Qi State that has not yet participated in the war, and can also bind the Wei State, and can also bind all the nobles, all the merchants, and even all the constant producers in the world.

For the six Kanto countries, where 'human nature is evil, and those who are good are hypocritical', the expropriation of the imperial court will only make them bury their gold and silver, and they know too well what virtues their kings and imperial courts are. But if they were allowed to lend their gold and silver at the right benefit, and promised to return it, or even to grant titles of a special nature, to improve their existing social status, they would not necessarily refuse.

Zhao Liang didn't understand it again, but Zhao Jin asked, "If the money sold is not enough, what if?" ”

"The money sold is not enough, and the Four Nations Gold Bank can borrow it from Zhao Guo." Wan replied. "But the money borrowed must be supervised."

"Oh." Zhao Liang sighed, he remembered what Ge De said, the king of Chu only believed in Pingjun and Wu'anhou, and the rest did not believe it.

"The transportation of 10,000 goods depends on the sea boat of Chu State." Now that Zhao Liang is here, when it comes to this, Wan will not hide it. "The sea boat of Chu can transport corn, armor, arrows, and cloth, but the sea boat needs a big chapter......"

"The pillars and beams of the palace have been dismantled, and the mountain chapter has also been felled." Zhao Liang explained. "Most of the carpenters in the country have also gone to Chu to build sea boats."

Seeing that Zhao Liang knew the importance of Haizhou, Wan also went down and said, "Since this is the case, how Zhao Guo is, it is all up to the Zhao people." ”

"That's right." Zhao Liang thought so. Fighting requires food, armor, and baggage, and although it will take time to solve these things, it depends on the generals of Zhao to achieve victory. If the war is won, everything is easy to say, but if the war is lost, no matter how much food and straw, no matter how good the armor, no matter how much baggage there is, it is useless.

He suddenly thought of Li Mu, according to the time, Li Mu should also attack.

*

The morning north of the river in September was extremely cold, and the frost flowers did not melt even though the sun rose high on the dry grass covered by hoarfrost. The wide-mouthed shoes of the Qin army's foot soldiers trampled on the frosty ground, leaving dirty and messy footprints. This is the Qin army that went south to attack Fengsi and other towns, and yesterday received a report that the camp had been attacked, and the general Meng Wu had to urgently collect troops to return to help.

After two years of fighting Zhao, there were no crops in the fields, and the Qin army could not rely on grain to the enemy, so it could only rely on four-wheeled carriages to transport it from the west of Taihang Mountain every day. And the weather is getting colder and colder, and the winter clothes of the soldiers are all in the camp, and the camp must not be lost.

"Report! Fifteen miles away, the Zhao army was already in formation. "The rebuke galloped in, bringing unexpected news.

"Report! Fifteen miles away, the Zhao army was already arrayed...... "A quarter of an hour later, several more horsemen repulsed, led by a cavalry general.

"How is Yi'an? How is the big camp? "Meng Wu is not worried about Zhao Jun, only about the big camp. Seeing that the scout wanted to stop talking, he had to sink his face and say, "Forgive me for being innocent." ”

"General Yu, the last general was driven back by Zhao Qi before he arrived at the camp." The rider cried with a sad face, "A certain general only saw the fireworks in the camp, and he could still hear the sound of the drums, I don't know, I don't know ......."

"Fireworks?!" Meng Wu's heart was half chilled when he heard this, but he had no way to know the full situation of the battlefield. Field battles with the Zhao army, especially in the hilly areas of the plains rather than Shangdang, the cavalry of the Zhao army with superior cavalry can often suppress the Qin army's repulsion, especially the cavalry of the Zhao State equipped with the great armor and blade of the Chu State.

"The camp is in danger!" Feng Qiji was shocked. "The Zhao people have attacked my camp, and there are not many soldiers in the field."

"Please give the order of the general to extinguish this morning food and rescue the camp." After entering Zhao, the attack was invincible, and the Zhao general Li Mu was a courageless person, and the generals wished that he would go out of the camp and fight.

"No, probe again." Meng Wu ordered, "Order all the scouts in the herald army to go to the camp. ”

Meng Wu was cautious, ordered the whole army scouts to leave the camp, and then ordered the soldiers to sit down and rest, and take advantage of the gap to eat glutinous grain. It's a pity that the news brought back by the scouts of the whole army is still the same as before, and the drums are no longer heard on the side of the camp.

"Command the whole army: Advance!" After hastily gathering the generals and arranging the tactics, Meng Wu finally ordered the army to advance to a decisive battle, and he must win this battle.

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