"The world is in chaos?" Wei Zheng didn't think that Li Chengqian was alarmist, and Lao Wei believed that he wouldn't be honest about this kind of thing.

"Yes, just imagine, if the money you saved was fraudulently claimed by someone else, Master Wei, how would you react? How would the people of the world react if they knew that their money was likely to be fraudulently claimed? Li Chengqian tapped his fingers on the table and said with a serious expression.

"In that case, why does Your Highness have to develop this 'bank'? If you don't do this, won't you have these problems? I haven't had a 'bank' in China for more than a thousand years, haven't I also come here? Wei Zheng frowned and said.

"No, the advantages of 'banks' are obvious, and we can't afford to choke on food." Li Chengqian shook his head, rubbed his slightly stubble and fluffy chin and said: "First, the cost of copper coins is too high, and the cost of one copper coin can be printed countless sheets if it is exchanged for paper money. ”

"Second, copper coins are inconvenient to carry, gold and silver are too valuable, and the price will change frequently, so they are not suitable as currency."

"Third, the price fluctuates, the exchange ratio of gold and silver and copper coins often changes, sometimes copper is expensive and silver is cheap, sometimes copper is cheap and silver is expensive, and a large number of copper coins in circulation on the market will make the exchange ratio of copper and silver in private hands, and only the court and the people will suffer in the end."

"The above three points are the reasons why this palace desperately wants to implement the 'bank', I wonder if Master Wei will help me?" Li Chengqian wasted a lot of effort to summarize the disadvantages of copper coins, hoping to impress Wei Zheng.

As long as Wei Zheng is persuaded this time, Li Chengqian is sure that he will have a second and a third time, until he draws Wei Zheng to his side and becomes his helper.

As long as there is Wei Zheng, a black-faced god, Li Chengqian is almost equivalent to attracting a large number of people similar to him, including Du Zhenglun and Yu Zhining.

"So I wonder how His Highness solves the problem of anti-counterfeiting? As I said earlier, if this problem is not solved, everything else will be in the mirror. Wei Zheng was moved by the three reasons Li Chengqian said and began to participate in the discussion.

"Without him, papermaking technology and ink technology, we can only start from these two points to make a paper that is not easy to forge, and make a special ink, which will definitely play an anti-counterfeiting role under the combination of the two."

"In addition, we also need to gather some skilled craftsmen across the country to let them crack these two technologies, constantly innovate, crack and research to form a virtuous circle, so that we can basically eliminate counterfeit money." According to the knowledge of later generations, Li Chengqian put forward two suggestions, but he also did not say anything to death.

After all, there are too many strange people in this world, and even the anti-counterfeiting technology of later generations cannot completely eradicate counterfeit money, let alone the ancient Tang Dynasty.

It's just that it will be necessary for future generations, and there is a criminal law in Datang called beheading, and after linking the manufacture and use of counterfeit money with beheading, Li Chengqian estimates that it should be possible to eliminate the production of some counterfeit money again.

"Well, it's a solution, it's a bit labor-intensive, but it's not a problem that can't be solved." After thinking about it for a while, Wei Zheng thought that Li Chengqian's method was feasible, but he also had other questions, and after affirming Li Chengqian's previous remarks, he asked again: "But if it is only the above three reasons, it seems that it does not necessarily have to be the institution of 'bank', right?" ”

"Of course, there are not only these three reasons, but this palace has only given a few of the most important examples." Li Chengqian smiled for a long time, and said calmly: "In fact, in addition to issuing currency, the most basic function of the bank is to collect the money of some large families, and then give them a piece of paper called a 'deposit certificate', so that they can withdraw the money at any time." ”

"No, isn't that why we're looking at the money for them? It's not that our court has nothing to do, so why do such a thankless thing, and the people only have a few money at home, how can they go to the bank to deposit money. Wei Zheng shook his head like a rattle, and intuitively believed that Li Chengqian's statement was not reliable.

But Li Chengqian shook his hand and said with a smile: "Master Wei, you think everything is too simple, in fact, everything must be considered in the long run, and just looking at the present cannot determine how wrong a thing is. ”

"I want to hear about it!" Wei Zheng didn't care about the fact that Li Chengqian was alluding to him, he just wanted to know what the basis was, if someone didn't have reliable evidence, then he, the prince and the prince, would have to be punished with a teacher's courtesy.

Of course, Li Chengqian knew what Wei Zheng was thinking, but he was very sure that he would impress this old man, so after smiling, Zhengse said, "Let's give an example." Suppose I am a shoe seller, you are a leather seller, and Lao Fang is a wood seller. ”

"I went to the old man to buy wood, gave him a 'deposit slip' worth 50 yuan, and then took the things;

"If I take it directly and go to you to buy skin, don't you need to take out the fifty yuan? And when the deposit certificate is in your hand, can you go back and withdraw the money when you don't need it? You may go back and get 50 wen, but what if it's 5,000 wen? What about fifty runs? Will you still pick it up? ”

Li Chengqian didn't ask, Wei Zheng shook his head, and there was a look of confusion in his eyes.

"So, the larger the amount of money that is deposited in the 'bank,' the less chance it will be withdrawn in the future, especially when people find it far safer in the 'bank' than in a pigsty at home." Taking advantage of Wei Zheng's lack of understanding, Li Chengqian continued to add weight to him.

"So, how do we keep all this money in the bank?" Wei Zheng continued to be confused.

"We're not going to save the money, we're going to use it to build roads, build ships, build railways and ......, and then we adopt the fares, sell the boats, collect the freight and ticket money for the trains."

"In short, this money has always been operated by our government, as long as we still have assets, we are not afraid that they will come to ask for money, and those big families have hundreds of thousands, millions of dollars at every turn, do you really think they will withdraw all the money at once? And even if they were to put it, where would they put it? There is only one bank in the whole Datang, and in the end, is it not going to be deposited back? ”

Li Chengqian's ultimate purpose was finally revealed, his smile was a hint of hideousness, and Wei Zheng, who was sitting opposite him, was pale and his lips trembled, but he couldn't say a word.

As for Old Eunuch Fang...... This product has been completely stunned, and it has completely fallen into the illusion of all the money piled up in the entire Datang.