"My lord, the director of the Department of Industry and Commerce is ready in the side hall of Changqing Palace, just wait for the lord to go." In the early morning of Chang'an, Li Xuanqing had just gotten up and was eating breakfast with a giggling smile, when Baixin hurriedly walked in to report.

"This Murong seems to have been under too much pressure recently. But that's fine, young people have to be a little motivated, otherwise how can they be called young people. Li Xuanqing was stunned for a moment, waved his hand and asked Baixin to return to Murong Hanhai himself, and then he arrived, muttering to himself.

However, as soon as he said this, Qiaoxi next to him burst out laughing, "Big brother, I remember that the third brother of the Murong family seems to be older than us, right?" You still say that he is a young man, why is he so old-fashioned? ”

Li Xuanqing thought about it and smiled, patted Qiaoxi's little head, and said with a smile: "Who said it's bigger than us?" We're the oldest. ”

"Okay, you dislike me for being old, see if I don't beat you." Qiaoxi said coquettishly, raised his hand and hit Li Xuanqing. The two of them were fighting and making trouble, and after breakfast, Li Xuanqing also walked out of the Qianqiu Palace and came to the Changqing Palace in the other party's flying eyes.

"My lord, everyone is here." Li Xuanqing had just walked to the side hall, but he saw that this place had been converted into a conference room, and in addition to him, Cen Tianshi and Qi Hong were actually here.

"Haha, today we are all here to hear about the lord's new plan, an epoch-making event." Cen Tianshi stood up and saluted and said with a smile.

Li Xuanqing waved his hand to stop the others from saluting, sat on the main seat reserved for him, and said with a smile: "What Mr. said is right, if this matter is done, it will really be an epoch-making event, and everyone can leave their names in history and live forever." ”

Li Xuanqing's words aroused the curiosity of those who didn't know the inside story, but now it was about to be revealed, so everyone was waiting for Li Xuanqing's next words.

"Xingxia, how do you pay the bills when your family is usually engaged in bulk material procurement?" Li Xuanqing didn't pay attention to everyone's thoughts, but asked Xu Xingxia, who was sitting silently on the side.

The latter was stunned for a moment, and didn't understand what Li Xuanqing meant, so he had to answer honestly: "Cash settlement, although some old customers can be extended, but our Xu family has been in business for three generations, and has always adhered to the principle of clearing money and goods." As soon as he finished saying this, the five wealthy businessmen who were invited today basically nodded, especially in the era of war, it is almost impossible to carry out business without cash.

"But now a large amount of cash is very inconvenient, last winter, we were robbed in Shannan, all the personnel of the dart bureau in charge of escort were killed, and now we have not found who the murderer is, so I have to think that I am unlucky." Xu Xingxia sighed and said, "In laymen, in fact, the most worrying thing is safety. ”

This sentence also spoke the hearts of all the businessmen present. However, Xu Xingxia then smiled and said: "It's still the safety of the lord's Tiance Mansion, although the area in Guanzhong has only been pacified for a month, the bandits have been extinct, and they have finally given us a safety guarantee." ”

Li Xuanqing and Murong Hanhai glanced at each other and said with a smile: "In fact, even in times of war, there is still a way, what we are going to discuss today is to solve this problem once and for all, in the future, our field will not only be limited to such a large place as the land of China, our trade route will also go to the Western Regions, leading to overseas, these places are far away, the transportation is inconvenient, if you still escort thousands of catties of gold and silver goods to trade like before, then it will not only be time-consuming and laborious, but also coveted by others." ”

"The lord said very much, but hasn't this question been like this since ancient times? Is there any other way? Yelu Yaqi on the side said in a daze, but the next moment he reacted, and said with a surprised look: "Is there a way for the lord?" ”

"Yelu family master, if the lord has no choice, why would he go to great lengths to gather everyone together for a tea party?" Murong Hanhai glared at his neighbor angrily, stood up and said, "Everyone, in order to solve everyone's business problems at one time, the Department of Finance and the Department of Industry and Commerce have secretly tested the lord's method half a year ago, and today it is time to make it public. The lord plans to open a money bank in the name of Tiance Mansion. ”

"Money?" This word appeared in everyone's ears and immediately caused everyone's whispers, to be honest, when Li Xuanqing explained Qian Zhuang for the first time, Murong Hanhai and Qi Hong didn't understand, and thought that Li Xuanqing wanted to put usury, and only after figuring out what was going on did they suddenly realize the true face of this epoch-making economic weapon.

"That's right, it's Qian Zhuang. You will deposit the money you want to call in advance, and the money bank will use the reputation of Tiance Mansion as a guarantee endorsement, and issue special documents for you as a voucher for your settlement and payment. Merchants who have obtained the voucher can also use the voucher to go to the nearest bank to make an appointment for cash withdrawal. In this way, you can avoid the loss of money in the process of transportation, ensure your safety, and if there is a loss, it will also be the burden of Tiance Mansion. Li Xuanqing took Murong Hanhai's words and continued: "And the most important point is that through Qianzhuang's data, Tiance Mansion can clearly know the development trajectory of various industries, so as to adjust policies in a timely manner and achieve a target. ”

"Another advantage of the bank is that it can lend money to various industrial and commercial groups when conditions permit, so as to solve their financial problems. It can also be used for the savings of ordinary people. Qi Hong, the director of the Department of Finance, who had been sitting still, said at this time: "This can allow the precipitated funds circulating in the private sector to enter the money system, thereby transforming them into your working capital." ”

"To this end, the Lord has innovated the previous bookkeeping methods, and the Department of Finance will hold a three-month professional training for financial personnel in Chang'an in the near future, and you can send professionals to participate in the study at that time. By the way, the lord also invented a new calculation tool - abacus, which can greatly improve the speed of arithmetic, ensure that you can quickly bookkeeping, trade and calculate, and promote it when the time comes. ”

"The lord and the two adults said that Xingxia has understood, but this move is a precedent for commercial trade, which greatly facilitates business contacts, and my Xu family agrees and is the first to support. I don't know when the money bank will be officially launched? Also, for areas other than Tiance Mansion, can money banks also provide services? Xu Xingxia is a typical person who has a plan in mind, and after a few short descriptions, he has already roughly understood the principle of Qian Zhuang, so he continued to ask.

"Brother Xu, you're not the first, my Murong family is the first, okay? Our Murong family has registered all the 21 industries under the family, such as workshops, restaurants, industrial and mining, and the materials have been prepared, and we are waiting to open an account to go through the account opening procedures. Before Xu Xingxia's words were finished, Murong Feixue beside him spoke in a silver-bell-like voice.

As soon as she opened her mouth, Xu Xingxia suddenly stopped talking, the Murong family has Murong Hanhai, can it be the first. However, Xu Xingxia was a little puzzled by her words: "Do you still want to open an account?" What is Account Opening? ”

Li Xuanqing nodded to Qi Hong, and the latter immediately instructed the accompanying recorders behind him to distribute the provisions that had been drafted and revised several times to everyone present one by one, and explained: "After the opening of the bank, the industrial and commercial groups in the area need to open an account to be able to enjoy the services of the bank, and after the bank is laid, you must also go through the money bank system to pay taxes, and after the tax is paid, the money bank will issue a special voucher to use the voucher as a new tax payment voucher." ”

Li Xuanqing waited for these people to browse through the scattered and scattered more than 100 regulations on the work of the Bank of the Later World, and then suddenly slapped the table, attracting everyone's attention to himself, and then said solemnly: "These are all specific details, and there is one of the most important ones in today's meeting. ”

Seeing Li Xuanqing's serious face, even Cen Tianshi, who had been listening to the meeting so far, sat up straight, and everyone realized that the main event had finally come, only to hear Li Xuanqing say: "In addition to the above roles, Qianzhuang also has the most important role, and it is also the most important thing in the history of opening Chinese civilization, and it is responsible for the role of issuing currency. Seeing that everyone didn't react when they heard the currency, Li Xuanqing suddenly smiled and said: "This currency is not the copper money or silver taels in the past, but paper money." ”

"Banknotes??" Everyone was confused, and He Wenjin was a little puzzled: "The lord is talking about flying money?" Or Jiaozi? ”

Qi Hong and Murong Hanhai looked at each other and smiled, the former suddenly took out a few pieces of paper with strange patterns more than two inches long and more than an inch wide from his body, and said with a smile: "This is the latest banknote printed, and the lord has named it Tang coin." In order to match the gold, silver and copper coins that are currently in circulation, there are 1,000 banknotes of the same value, 10 Wen banknotes, 50 Wen banknotes, and 1,000 Wen banknotes with the highest face value. According to the current market, when the time comes, the Tiance Mansion will forcibly stipulate that one thousand wen is equivalent to one tael of silver. ”

"According to the estimate, the four provinces will open four money banks at the same time on the first day of March, and the Department of Finance will invest 400 million banknotes in advance. Now it should be explained that all branches in the four provinces should actively respond to the call of the Department of Finance, give a good start to the general public, arrange for people to exchange Tang coins, and do a good job for subordinate workshops and restaurants, and do not allow them to refuse to accept Tang coins. The court will also announce as soon as possible that the Tang currency in the jurisdiction of Tiance Prefecture is the only legal tender, and other gold, silver, and copper coins need to be exchanged within a time limit, and they will not be allowed to circulate after expiration, and violators will receive punitive sanctions. Cen Tianshi picked up a 100-cent Tang coin and said solemnly.

"Starting from this month, the salaries of officials at all levels of Tiance Mansion and the allowances paid to soldiers by the military department will also be paid in advance in Tang coins, and they will be issued from the money bank system." Li Xuanqing continued: "You are all big businessmen cultivated by Tiance Mansion, this matter is not only related to the development of industry and commerce, but also the lifeblood of the economic development of the future imperial dynasty, so I need everyone here to go all out to assist Tiance Mansion to complete the issuance of good money and Tang coins."

Li Xuanqing's words also made everyone soberly realize that this is an important measure of Tiance Mansion for the development of the economy and even industry and commerce after the beginning of the year, so they each weighed the importance of this matter. To be honest, if there was no paper money, everyone had no opinion on the bank's measures, but responded positively, because the setting of the bank's money was too helpful for them, and it greatly promoted the development and process of business.

"Lord, do you want to think about this Tang coin again? Even if a piece of paper can be easily copied by lawbreakers, then the Ministry of Finance will still suffer losses. After being silent for a long time, Yu Wenli suddenly asked another question.

"Zhengji rest assured, the printing of Tang coins has been secretly developed for half a year, a collection of hundreds of technologies, in addition to the five novel ideas proposed by the lord, the current engraved master has also been included in the highest secret vault of the Department of Finance, in addition to the technology of Tang coins is not immutable, the Department of Finance has a special unit responsible for the timely update of Tang coins. Finally, take a closer look at the Tang coins, each Tang coin is coded, and this code is completely different from our current counterparts? Cen Tianshi pointed to the code on the Tang coin and the code on the coins of later generations of the same source and said with a smile.

"Okay, you can discuss this matter in detail, but the issuance of Qian Zhuang and Tang coins is imperative, and this is a matter related to thousands of generations." Li Xuanqing waved his hand to stop everyone's continued argument and said, "As for the name of the money village, it is called Datang Money Village." The Money Management Bureau of the Department of Finance is the governing body of Datang Bank. I hope that you will unite and do this well. All other currencies in the market will be exchanged at a one-to-one ratio within three months after the opening of the bank, and after the expiration date, it will be changed to a 20% discount. Inform the Patrol Department and the Law Court to follow up the matter closely and not allow any accidents. ”

After Li Xuanqing said this, he took the lead and walked out, looking at the sky of Chang'an and breathing a sigh of relief, the issuance of Tang coins is destined to be full of twists and turns, but this step must be taken by himself, only in this way can he unify the economy in advance before the military reunification, and keep the vitality of China as much as possible.