"Father, what do you think it would happen if we use the credit of the royal family or the imperial court as a guarantee, and then set up a so-called bank with 10 million yuan as the principal to lend money to the people of Datang and attract them to deposit money?"

"Not good!" The old man shook his head and directly denied Li Chengqian's idea: "You can first tell where your 10 million guan came from." ”

"Of course it's money from the treasury, you can't let your sons take this money, right?" Li Chengqian spread his hands.

"Fart!" The old man was immediately angry when he saw Li Chengqian's performance, slapped the table and said, "It's not that good, you start to fight the idea of the treasury, think about money and go crazy!" ”

The old man's performance was both expected by Li Chengqian and unexpected.

In ancient times, the Tang Dynasty did not have such a thing as a bank, so it was normal for the old men to say that the old men did not understand the bank proposed by Li Chengqian.

But why would the old man's ideas be so extreme that he would think that he was playing with the idea of the treasury? Could it be that the performance has been too eye-catching these days? Stealing the limelight from the old man?

Thinking of this, Li Chengqian couldn't help but express deep doubts about the old man's mind.

"Cheng Qian, the money of the treasury cannot be used privately, and if all the money from the treasury is taken out and lent to the people, what if the Tang Dynasty wants to fight in the future? Moreover, so far, the treasury has not deposited 10 million yuan. ”

The eldest grandson Wuji was afraid that Li Chengqian's continuation would cause even greater anger among Comrade Li, so he put down the cup in his hand and explained to him.

"Uncle, I know that the money from the treasury cannot be moved, and I haven't said what about taking the money from the treasury." Li Chengqian blinked innocently: "Didn't I just say that with the credit guarantee of the royal family and the court, we can issue a kind of 'voucher', divide it into different denominations, and then use this kind of thing to replace the current copper coins, silver, and gold." ”

"For example, if a person wants to borrow ten dollars, we can give him ten 'vouchers' that represent the same thing, and the people can use these 'vouchers' to buy what they need."

"But the key point here is that this 'voucher' must be able to be exchanged for cash from any government in Datang."

"That's why I said that I need the treasury to have 10 million yuan in cash, and in actual operation, it is likely that even 1 million will not be used."

"Because once the people are sure that the 'vouchers' can indeed be exchanged for cash, they will believe in the government and slowly circulate in the market with 'vouchers', and will not go back to the government to withdraw cash."

"That is to say, as long as we do a good job of the people who kept coming to exchange the 'vouchers' when they were just issued, because of their curiosity, the money in the treasury will not need to touch another copper at all."

Li Chengqian's remarks in the Tang Dynasty are not feared or shocking, this is a combination of the Song Dynasty appeared Jiaozi and the modern paper money in later generations after the theory has been born, whether it is Li Er or Fang, Du, the eldest grandson, everyone is unseen, unheard of, how can you not be surprised after listening.

"Well, Your Highness the Prince, you, can you repeat what you just said? Old, the old minister's brain is slow, and he can't figure it out for a while. Du Ruhui didn't understand it himself, and it seemed that His Majesty the Great Emperor didn't understand either, so he could only take the initiative to ask Li Chengqian to say it again.

"Actually, what I want to say is very simple, the original beneficiaries are not the people, but the merchants." Li Chengqian felt all kinds of puzzles around him, and said again: "You can not care about money at home, but there is one thing you should know, that is, when you buy large items, you need to escort a large amount of cash, right?" ”

"Not bad!" The eldest grandson Wuji has a deep understanding of this, his family has a steel workshop, and the transaction of large amounts of silver money occurs from time to time, and it is not unheard of that the situation of copper coins filling more than a dozen cars to swagger through the market.

Someone praised Li Chengqian and was naturally happy, and then the eldest grandson Wuji's words continued: "Then uncle, think about it, what would happen if there was this kind of 'voucher' I said?" Isn't it much more convenient to deposit money in the bank and get a 'voucher', and when you buy bulk goods, you only bring a 'voucher' to buy it? ”

"This ......, it seems to be the case, especially for cross-regional transactions, this kind of 'voucher' is indeed very convenient, anyway, it can be exchanged for cash at any time, and it is far more convenient to save it here and take it out while taking it out."

"In that case, it doesn't seem that the money in the treasury is used, and the 'vouchers' in the hands of those merchants are all the money they have saved anyway, and they will still be their own if they take them out."

"That's not right, what's in it for us to toss it like this? Are we just serving them? ”

Inspired by the practical examples given by Li Chengqian, the old men discussed their own opinions, some of them thought that his plan was very good, while others thought that his plan was not feasible.

In this case, Li Chengqian could only clap his hands to attract the attention of the old guys: "Everyone, don't forget, if the people are used to using 'vouchers', they will feel that it is too troublesome to hold cash. As long as the government's credit is sufficient, they will reduce the number of times they withdraw cash over time, and in the end, it is likely that only 'vouchers' will be circulated in the market, and copper coins will not be seen. ”

"Hiss......" Countless gasping voices sounded, including His Majesty Li Er, everyone looked at Li Chengqian's eyes with a deep 'fear'!

When it comes to this, everyone understands what he means, that is, to circle money.

Just now, Li Chengqian also said that if you want to get the 'vouchers,' you must deposit the same amount of cash in the bank, so if the 'vouchers' really circulate, won't it mean that all the cash in the world has been taken away by the bank?

So how much cash will there be in the bank? Ten million? Ten thousand? 100,000? Or simply can't count?

I have to say that under the limitations of history, it is not surprising that Li Er and others have such thoughts, but they ignore a substantive problem, if the Tang Dynasty uses 'vouchers', what is the use of those cash dollars!

So after a long silence, His Majesty Li Er said something in a heavy tone that made Li Chengqian very helpless: "Li Gaoming, do you want to die?" Do you know that so much money is circled by you, if something goes wrong, the entire Datang will fall into complete chaos? ”nt

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