"Today's coins can no longer be counted as coins, because of the inferior technology and copper quality, the same currency has different sizes and weights, so that it cannot be used as currency, and can only be used according to the amount of copper. The subordinates have announced to the people and merchants of Youzhou in the past that the taxes of the Youzhou Mansion will be paid, regardless of the merits of your coins, all according to the proportion of copper, regardless of the money (text). "Mi Zhu can only use this stupid method to manage finances and taxes now, which is also forced.

But in the final analysis, Mi Zhu implored Lord Lu Peng to agree to independently mint new money in Youzhou to replace the chaotic old money and circulate it all over the world.

As soon as this opinion was raised, Tian Chou immediately stood up and pointed out to Lu Peng the huge drawbacks of minting new money: "My lord, what Mr. Mi Zhu Xu Jie means is to collect all the money we have in stock and from the people, melt it in a unified manner, and cast it into new money, which is of course convenient for the circulation of the market, but there is a huge loophole here, that is, the problem of fire consumption, and this deficit will be huge." ”

Ancient coins are all model casting, seemingly simple, the operation process inside is still very complicated, the division of labor is also very detailed, such as the Han money, each furnace set up a stove head, the required labor has eight lines: firewatcher, sand turner, plasterer, miscellaneous craftsman, filer, hemmer, miller, eyewasher.

With such a process, for example, according to the formal rules, ten dollars a tael, the raw materials it needs, at least one or two halves, and those half taels are consumed by each process.

If you use the old money to melt and mint new coins, there are more impurities in the fineness, if you calculate according to the copper coins in Youzhou inventory now, without considering the copper-lead ratio of various coins, just the materials consumed, so that the copper coins in the treasury of Youzhou Mansion will be reduced by 1/3, which is definitely a huge waste, which is one of the reasons why before the Tang Dynasty, the government defaulted to the private coinage, and later generations issued coins to make money, at that time, minting coins was a loss of money.

The second gentleman, Su Shuang, also stood up to give Lu Peng a salute: "Lord, the problem of fire consumption that Mr. Tian Chou said is still secondary, the most important thing is that we have newly minted money, what kind of copper-lead ratio should we take?" There is also the weight, if we take the regular ratio of copper, lead and tin during the time of Emperor Wu of the Han Dynasty, then our newly minted coins will be recognized by the world, and the coins we mint will flow out in large quantities, and those merchants will exchange the bad coins for our new coins, and then they will melt again, re-mint the bad coins, and then return to our Youzhou, at that time, our Youzhou will become a huge bottomless pit, and the losses will be incalculable. ”

This Lu Peng understands that if he really mints coins according to the standards of Emperor Wu of the Han Dynasty, he will open a huge window for all the mints in the world to make a fortune, and no matter how rich he is in Youzhou, he will be hollowed out in a blink of an eye. This is called bad money driving out good money.

Mr. Big also stood up and said: "And if the copper content of our coins is too high, there will be many unscrupulous traders who will melt the coins and cast them directly into bronze, so that even if we have ten copper mountains, we will not be able to supply the issuance of coins, and the final result is that it is not that we cannot spend the money we have now, but that we will have no money to spend at all." ”

This is indeed a very fatal problem, in Youzhou, you can crack down on the illegality of smelting coins, but the other 90 places in the Han world, after all, are not under their own control, and they can't reach it, which is the most headache.

But no matter how headache she is, this matter is urgent and must be resolved, otherwise she will seriously lag behind her economic development, and will seriously corrode her official atmosphere, and its poison will be huge.

Therefore, no matter what, this matter has reached the point where it is imperative, and the most important thing in particular is that he will immediately implement the strategy of large-scale development of the western region and will invest huge sums of money in the western region, but according to Lu Peng's businessman habits and the original rules, there will absolutely not be a phenomenon of giving money for free and getting something for nothing, so that this profitable money and money transaction can no longer be handed over to the household department for direct operation. Therefore, in Lu Peng's heart, the banks of later generations are already under consideration. Of course, what is circulating in the market now is not silver, so everyone doesn't understand how to call it a bank, so Lu Peng decided to call the name of this institution directly Qianzhuang, but its essence is still a bank.

It is necessary to leave the issue of monetary reform to the banks, but how to reform the currency has become the top priority.

After adjourning the meeting for a day, everyone relaxed, but Lu Peng did not have a chance to rest, he began to recall the operation of the national bank in later generations, and after sorting out a set of feasible methods, he directly threw out his decision at today's meeting.

"The unified currency has now reached the point where it cannot be delayed, but the household department cannot directly intervene in the operation and operation, so I decided to set up a system directly under the jurisdiction of the Youzhou government, but it is a kind of enterprise organization, this institution is specialized in inverting money, so I call him Qian Zhuang, or called the money number, which is the operation of the law - (50 million or hundreds of millions of words are omitted here, because the bank is indeed a specialized economic systematics, if I fully understand it, we are not the Three Kingdoms Emperor Road, we are the bank textbook.) , you book friends make up your own brains, hehe)"

From noon to night, Lu Peng said that his mouth was dry, and he finally explained this newborn thing clearly, and he didn't complain about Lu Peng's meticulous words, because the thing of Qianzhuang had not yet appeared, and it was not until the Northern Song Dynasty that such an institution appeared.

The emergence of something absolutely ahead of its time must be explained clearly, otherwise there will be a huge mistake.

Fortunately, Mi Zhu and Mr. Da and Mr. 2 have been in business for a long time, as long as they give a little guidance, they will immediately understand the key, so Mi Zhu's eyes flickered, and Mr. Da and Mr. 2 could no longer sit still.

You are completely off topic in the original meeting, and it has become an economic meeting, Lu Peng and the three people are full of interest, and the others are drowsy.

But such a meeting was held for three days in a row before a fundamental opinion was really come up.

In the end, Lu Peng made a final decision and announced the establishment of a semi-public and half-private, Youzhou Qianzhuang General Account, each county set up a branch, and the person in charge of the general number, and he should not let the idle Mr. Er be in charge.

At present, the main business of this money bank is to be responsible for borrowing money from the private sector, stipulating that it will be established to reduce the burden of interest on the people, and at the same time carrying out deposit and exchange business, and the main business is coinage. Issuance of a new European currency through the bank.