When Sheng Zhang received Cai Jing's order and hurriedly sent soldiers to Jingdong Bank's branches in Kaifeng Mansion to maintain order, the smashing incident caused by the collapse of money had already begun to ferment!

The rumor of "seizure" began to circulate in the circle of wealthy businessmen and nobles in Kaifeng Prefecture.

This is no joke!

As soon as the government seals it, it doesn't know when it will be lifted, and it may never be lifted. Isn't the money that the big guys have worked hard to earn or embezzled will be wasted?

It's better to put it up quickly!

In addition, Jingdong Bank is a large bank that the imperial court cares about very much, so it has an excellent reputation and sufficient capital, so it is also playing the role of "the bank's bank".

All small and medium-sized financial institutions in Kaifeng Prefecture and Zhushang City in the southeast have opened accounts in Jingdong Bank. Settlements between financial institutions are also carried out through JD Bank.

Once Jingdong Bank was seized, the financial industry in Kaifeng Mansion and Southeast Commercial City was frozen.

There will be many other financial institutions, such as the depot, the pledge warehouse, the longevity warehouse, and the gold, silver, silk and silk shops, all of which will go bankrupt.

This is a financial crisis that swept through the richest economic center of the Great Song Dynasty!

In order to avoid the crisis affecting themselves, everyone hopes to withdraw their money before JD Bank is seized. Although for many small depots, small quality depots, and small gold, silver, silk and silk shops, their crises are much more serious than those of Jingdong Bank - they have also purchased a lot of money in order to obtain interest rate differentials!

Therefore, the crisis caused by the collapse of money is destined to be unavoidable. Jingdong Bank, on the other hand, is the least likely to fail among all the financial institutions involved in the money-inducing crisis.

Because JD Bank is the biggest beneficiary and maker of this financial scam.

"Taishi rest assured, Xiaodi has a way to stabilize the market of Jingdong Xing...... No depositor will ever lose their principal. Regardless of whether they have deposited silver, copper coins or money, the Bank can pay the full amount and pay the interest as agreed. ”

That night, in a very secret study in Cai Jing's mansion, the one who was patting his chest to make a guarantee was Ji Kui, the initiator of the financial crisis.

He now looks like a victim, with gauze wrapped around his head, and two maids around him, standing respectfully opposite Cai Jing.

Although Jingdong Bank is too big to check, Ji Kui is still seriously performing a bitter trick.

And Cai Jing looked at him suspiciously.

Qian Yin is indeed over-issued, Cai Jing understands this very well in his heart.

In the past few years, the money has been more than 100 million! And it is only issued and not collected - the money is theoretically a coupon for the government's monopoly materials, and after the goods are delivered, the coupon will naturally be destroyed.

However, the imperial court under the auspices of Cai Jing never destroyed Qian Yin. The money recovered through the salt, iron, tea and wine affairs in various places has been deposited into Jingdong Bank and has become a reserve fund that can be used at any time in the account of Taifu Temple.

In the case that the money is only issued and not collected, it is too normal for the amount of money to be more than the salt and iron tea wine. Originally, there was a high housing price in Kaifeng Mansion to lock in money, and it was not a problem to issue 20 million yuan a year.

But now housing prices in Kaifeng Prefecture have fallen due to the change on the fourth day of May last year, falling by 25 percent in a short period of time.

Moreover, the market sales situation is not good, and the demand for money in real estate has dropped significantly.

Therefore, it is not surprising that the price of money has fallen to a certain extent. However, Cai Jing firmly believes that Jingdong Bank, controlled by the Ji family, has a way to maintain the value of Qian Yin. That's why he didn't care too much about Qian Yin's trend...... I didn't expect to mess up the game if I wasn't careful!

But until now, Cai Jing still doesn't believe that the Pingjiang Ji family is also a victim.

Cai Jing looked at Ji Kui, who was performing, and said coldly: "Who is making the bad this time?" ”

"This ......" Ji Kui sighed when he heard this, "Taishi, isn't this obvious?" How can we plot against our Great Song Dynasty, who else is there besides Zhou Guo? ”

Wu Haogu has become an innocent scapegoat this time!

"Zhou Guo?" Cai Jing still didn't believe it, and looked at Ji Kui coldly with a pair of old eyes, "Won't it?" Wu Haogu's son and Princess Qingdeok's wedding is imminent...... The official family also intends to marry Wu Meiniang, the eldest daughter of Wu Haogu, for King Yun. It was the time for the two countries to get together between Qin and Jin, why did he do this? ”

In Cai Jing's view, Wu Haogu's attack on Qian Yin was nothing more than to weaken the financial resources of the Song State to recruit troops, so that he could attack easily. But now the time has not yet come for the two sides to go to war.

Ji Kui was already prepared and replied, "It's for one or two silvers." ”

Cai Jing was stunned, "One or two silver? What do you mean? ”

Ji Kui took out a silver coin and handed it to Cai Jing with both hands.

"Taishi, this is one or two silvers."

Cai Jing took the silver coin and looked at it in the candlelight. The silver coins are very beautifully minted, with no square hole in the center, and the surface has a pattern of 10,000 characters and the Chinese characters "one tael silver" and "Da Zhou Bank".

"This is a silver coin issued by the Great Zhou Bank," Ji Kui said, "It weighs one tael, at least eighty percent of it is silver, and Zhou Guo wants to use this kind of one or two silver coins to pass the world." ”

"How is that possible?" Cai Jing sneered and threw the silver coin on the table, making a crisp sound. "This silver coin must be worth 1,500 dollars, right? It's more ruthless than ours when the top ten dollars, how to spend it? ”

Ji Kui said with a smile: "What the Taishi said is extremely true, these two silvers are indeed not easy to spend. However, for businessmen who do big business, one or two silver is better than small flat money. And one tael of silver and small flat money can also be exchanged, one tael of silver for 1,500 money.

In addition to one or two pieces of silver, the Great Zhou Bank also minted a kind of one-coin silver, which contained eight and a half parts of silver and one and a half points of copper. One penny of silver for 150 coins. ”

Cai Jing nodded, noncommittal, obviously not realizing how big the threat of one or two silver and one coin of silver was.

Even a penny worth 150 yuan is not convenient for circulation.

Ji Kui then took out two paper coupons like a trick and handed them to Cai Jing with both hands.

"Taishi," Ji Kui said, "This is a bank bond issued by the Bank of Tianjin, which is equivalent to a personal relationship, and they are all pegged to one or two silver and one penny." ”

Cai Jing hurriedly took the paper coupon and looked at it carefully under the candlelight.

The workmanship of these two paper coupons is equally exquisite, one of them is printed in dark green ink, with a pattern of 10,000 characters on both sides, as well as the Chinese characters "one tael of silver", "Bank of Tianjin" and "redeem by ticket".

The other is printed in black ink, and also has a 10,000-character pattern, as well as the Chinese characters "one money silver", "Bank of Tianjin" and "redeem by ticket".

"This is ......" Cai Jing suddenly felt that something was wrong.

Ji Kui nodded, "This is used to replace Qian Yin!"

The Great Zhou Bank of the Zhou State is equivalent to our Taifu Temple Transit Library, but it does not issue money to induce, but mints silver coins, copper coins and supervises the issuance of bank bills.

Bank bills are issued by banks that meet the regulatory conditions, but they must be printed by the banknote printing factory designated by Dazhou Bank, and the ink and paper used are particularly fine. Periodically, it should be recycled and exchanged for new coupons to prevent counterfeiting. The responsibility for the so-called 'instant redemption by bill' shall be borne by the issuing bank. Only in the event of the failure of the issuing bank, Dazhou Bank shall use the bank bond reserves deposited by the issuing bank to accept the bank bills according to a certain proportion. ”

"They want to take advantage of the money?" Cai Jing finally realized the seriousness of the problem.

The profit of cross-introduction is 20 million a year!

Even if there is a problem with money now, it is not difficult to save, even if the circulation is reduced in the future, there will still be tens of millions a year.

However, once this kind of bank bills directly linked to silver coins are circulated, the advantages are much greater than that of money!

Because the money is issued by the imperial court, the majority of the interests are in the imperial court, and once the basket is out, the trouble must be borne by the following banks, pledge warehouses, solution warehouses, longevity warehouses and gold, silver, silk and silk shops.

However, bank bills are issued by the banks themselves, and the majority of the interests lie in the banks, so as long as they don't mess around, it is not easy to get out of the basket.

By the way, the real function of bank bills is not to arbitrage commodities and gold and silver, but to lend to earn interest - commercial banks can issue four bank bills of one tael by depositing one tael of silver coins (or one tael of silver) in the Dazhou Bank. This is tantamount to tripling the bank's capital out of thin air.

In the process of lending money and absorbing savings, these four one-tael bank bills can be enlarged by two to three times to become eight or even twelve one-tael bills.

For the bank, it is equivalent to using one tael of silver to leverage the business of eight to twelve taels of silver.

In addition, due to the multiplier effect of bank bills, financial markets have access to ample liquidity, and interest rates have fallen. The "low interest rate" of 20% like the Seedlings Loan could not be maintained for a long time in the era of bank bills and banknotes. Interest rates are usually kept below 10%.

For capitalism, a high interest rate of more than 20% is murder, and a level of interest rates below 10% is acceptable.

"Taishi," Ji Kui's face was solemn, and he continued, "Wu Haogu has a great plan, I'm afraid it's not just money that attracts benefits!"

Nowadays, the southeast commercial market of the Great Song Dynasty and the five prefectures of Jiangsu, Hangzhou, Xiu, Ming and Vietnam are prosperous in commerce and trade, and the people are rich. Small flat money is not applicable, but one or two silver and one coin silver are more suitable...... If the southeast commercial city and the five prefectures of Jiangsu, Hangzhou, Xiu, Ming, and Yue all use one or two silver, one coin and bank bills, it will be in the hands of the Great Zhou Bank! ”

This is a battle for the right to issue currency!

In the words of later generations, whoever holds the right to issue currency controls the world! However, the current world economy has not yet reached a highly developed commodity economy, and the power to control the issuance of currency is not so great. But for the commercial markets and several "silk states" on the southeast coast of the Great Song Dynasty, the right to issue currency was too important.

Once it is mastered by Wu Haogu, the lifeblood of the Great Song Dynasty's finances is equivalent to being pinched in the hands of Wu Haogu. Without the wealth of the Great Song Dynasty, can the country still be maintained?

was fooled by Ji Kui so much, Rao is the number one person of Taishi Cai, and I also believe that this "money leads to crisis" is Wu Haogu's conspiracy!

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