Emperor Chongzhen hanged Meishan for a few years, maybe the crooked neck tree is still there, although the situation faced by the Gongzhi Dynasty and the Chongzhen Dynasty is not the same, and the present time is different from the past, but Wang Yan still has to take history as a mirror and replace the Ming Dynasty.

Since the liberation of Nanjing, Wang Yan has clearly felt that the ranks of officials have rapidly corrupted, from a group of officials with faith to bureaucrats. This is the same as Donglin back then, at first it also had ideals and hoped to reform the rule of officials, but later it became a bureaucracy that only cares about local interests.

In the past few months, in the imperial court loans, the Chu Party also showed this characteristic, and Wang Yan could no longer control it.

At present, the economy is developing markedly, but there is still a great deal of resentment among the people, and a big reason is that the bureaucrats do not pay attention to the people's feelings.

Fortunately, the overall situation of the Ming Dynasty is okay, and now it is still too late to clean up the hearts of the people in the world, don't be like Donglin, and regret it only after the party and the country have been destroyed.

How to clean up the hearts of the people is to start from the smallest thing and give convenience to the people.

The conversation on the table next to him aroused Wang Yan's interest, it seems that the establishment of business in recent years has caused ideological turmoil among the people, most of the older generation are still clinging to the inherent concepts, but the young people are already eager to try.

After the fat man with a short round neck left, Wang Yan looked at the two people around him and asked, "Do you have any copper coins with you?" ”

Wang Fuzhi nodded, took out a few loose coins from the money bag, and put them on the table, Wang Yan picked out two from several copper coins, one was a newly minted co-governance treasure of the imperial court, and the other was an old coin with the word Wanli on it.

"In the market, 900 copper coins are exchanged for one or two pieces of silver, but the fineness of these copper coins is different, and it is not very convenient for the people to use it." Wang Yan was holding two copper coins, one new and one old, and the new one contained significantly more copper.

Wang Fuzhi is the head of the household department, and he said: "There are indeed many inconveniences, sometimes the copper content of this copper coin is high, sometimes it is less, and the value is constantly changing. Saying that, he picked out one and handed it to Wang Yan, "This is from the Chongzhen period, and the condition is worse than Wanli's, and it takes two documents to exchange for a new coin." ”

Wang Yan frowned, "This copper coin is inconvenient to carry, and the value minted in each year is not the same, which seriously affects the transaction!" ”

"Generally, when new money is minted, the old money will gradually be expelled from the market." Wang Fuzhi said in a deep voice: "Especially the newly minted copper coins in the imperial court, the outline is fine, round and thick, full of color, and the ligatures are all written by everyone, there is no problem with expelling the old coins from the market, but now the market is too big, and the imperial court has little copper, and the copper coins on the market are insufficient, so there are so many old coins in circulation." ”

Wang Yan looked at the new coin carefully, and it was indeed much more beautiful, "This is the character of Mu Zhaigong?" He paused for a moment and asked again: "There is a shortage of copper money in the market, which will affect the operation, what is the solution for the household department!" ”

"There are two, one is to melt the Buddha statue as in the past dynasties, and the other is to issue treasure money!" Wang Fuzhi said.

There was a shortage of copper in ancient China, and there were several movements to exterminate Buddhism in history, such as the "three martial arts and one sect" to exterminate the Buddha are related to economic interests, and Zhou Shizong decreed the abolition of the temples without a quota in the world, destroyed the bronze statues, and collected the bells, chimes, cymbals, and other coins.

The Buddhist power of the Ming Dynasty was not strong, and there was no sharp contradiction with the whole society. As for the treasure banknotes, I'm afraid no one will buy them if they are issued.

Wang Yan smiled helplessly, "Brother, you can't implement these two methods!" ”

"It really can't be implemented, and the officials below the household department put it forward, and I directly vetoed it."

If there is not enough money in the market, then the market will not be developed, and it may even shrink, and the transformation of the Ming Dynasty society from a small peasant economy to a commodity economy will be weak and unable to complete this transformation.

Wang Yan couldn't help but ponder for a while, and suddenly asked after half a sound: "This silver ticket can be accepted, so can you get a bronze ticket?" ”

"Bronze ticket?" Wang Fuzhi was slightly stunned, copper is also money, silver is also money, theoretically it is possible, but there is no copper ticket on the market, which means that it is not very feasible.

"Qian Zhuang is doing business and bulk trade settlement, often thousands of taels, ten thousand taels, ordinary people to deposit silver, is also about one hundred and ten taels, where can Qian Zhuang see dozens of dollars. Moreover, the silver ticket can be passed, because he can exchange for silver and silver pegged, there are as many silver tickets as there are silver, if there is really a copper ticket, it also needs to be so, the ticket must be equal to the copper coin, it can be accepted by the people, and this only solves the problem of convenience to carry, and does not solve the problem of lack of copper in the market. Wang Fuzhi analyzed.

Wang Yan groaned for a while, and then said in a deep voice: "I think this copper ticket can give it a try, if it is done, it will not only be conducive to private transactions, but also of great benefit to the imperial court." ”

Wang Fuzhi and Gu Yanwu couldn't help but ask in unison, "How do you say this?" ”

Wang Yan smiled slightly, "Do you see how many people got the silver tickets and took out the silver from the money bank after the silver tickets were passed through the market?" ”

The two shook their heads, and the merchants wanted to make it easier, most of them exchanged the silver for silver tickets, and few would take out the silver.

Wang Yan immediately said: "The deposit of the bank only needs to be able to maintain normal exchange, prepare a batch of emergency silver, and the rest of the silver can be used by the bank for lending." If it is replaced by a copper ticket, is it the same, as long as it is guaranteed to be exchanged, the warehouse does not need to put the same amount of copper coins as the copper tickets on the market, and after a certain amount of copper coins, you can even over-issue copper tickets to meet market demand. ”

Wang Fuzhi raised his eyebrows, "Super hair, isn't this letting Qian Zhuang collect money?" How different is this from treasure money? What if there is a run? ”

Wang Yan shook his head, "Treasure money cannot be exchanged for copper coins at the same value, as long as copper tickets can be exchanged for equivalent copper coins at any time, this is the difference." As for the problem of over-issuance, as long as we control the proportion and do not issue indiscriminately, there is no danger. ”

According to Wang Yan's thinking, silver tickets can actually be operated in this way, and if there are eighty taels, one hundred taels of silver tickets can be issued, which is simply a money grab. However, in this way, in foreign trade, there is a huge advantage, such as earning eighty taels of silver from Xiyi, the Ming Dynasty can use eighty taels to issue one hundred taels of silver tickets, and then buy one hundred taels of things from Xiyi.

This can be regarded as the original currency and exchange rate, if only gold and silver, no currency in the country, will suffer a big loss in trade.

Wang Fuzhi thought about it, if the proportion could be controlled, it would indeed be feasible, which would make the wealth of the imperial court skyrocket in a short period of time, but he also smelled danger.

"This matter is operational, I'm afraid there will be problems, so many money banks are not easy to manage, and if the money bank can be overissued, I'm afraid not only the copper ticket can't get it, but even the credibility of the silver ticket will plummet!"

Wang Yan nodded, "The treasure banknotes of the imperial court are a lesson, if you want to get it, I plan to only give one money bank the power to issue copper tickets, and the number of issuances will be jointly managed by the court and the money bank. ”

Wang Fuzhi said: "This matter is very important, after I go back, I will ask Chen Yonghua of Wude to consult the household department to see if it is feasible." ”

"Yes, this matter really needs to be cautious, and when the household mints money, can it mint some large copper coins, just like Xiyi's gold and silver coins!"

At present, one tael of silver is equal to 900 wen, and it is too troublesome for people to find hundreds of wen at every turn.

"I'll let the household department come up with a plan for this matter!"

Wang Yan heard this, and his mood was better, if the matter of copper coins was solved, it would not only facilitate the people, but also solve another problem for him.

At that moment, Wang Yan was in a good mood and drank a glass of rice wine, when the bartender walked past his table, he suddenly stopped the bartender and asked: "How many copper coins are there here, if there is a kind of copper ticket that is the same as a silver ticket, is the little second brother willing to accept copper coins or copper tickets?" ”

The second brother of the restaurant is mostly a clever person, and his brain is very active, he thought for a while, and then smiled: "If it is like a silver ticket, he is naturally willing to accept a copper ticket!" ”

"Why?" Wang Yan asked in unison.

The little second brother touched his head, "Copper coins are troublesome, they are not the same, there are new and old, and it is inconvenient to convert, a copper ticket like a silver ticket is naturally as convenient as a silver ticket." ”

Wang Yan listened, and then gave a few copper coins on the table to the little second brother, and then said with a smile: "Thank you little brother for teaching, we remember." ”