The importance of the bank is self-evident, and even Su Ziheng must ensure that the amount of cash in the bank is at least one-third of the deposit amount in order to prevent malicious exchange in the future.

In his previous life, Su Ziheng was not very clear about the operation mode of the bank, and he had never heard of the news that the bank was closed due to a malicious run. But this world is different, and Donghai Mansion is very weak, so if you really encounter such a situation, it will be troublesome.

However, he believes that this should not be the case as long as banks keep a third of their cash deposits. The key is to control the loan well, not blindly lending, so as not to get it back and trouble.

The establishment of banks to absorb deposits and stabilize the circulating funds in the market can effectively prevent the shortage of copper coins currently encountered by the Tohae Prefecture. But this is only a palliative treatment, and until copper is discovered and enough copper is mined to mint copper coins, it can only solve the urgent need, not once and for all.

The really effective way is to mint coins and issue paper money, as long as the amount of circulation is well controlled, so that inflation does not lead to currency depreciation.

According to the current technology, it was found that the paper money was completely sufficient, not to mention the side, the silver notes of the Sihai Money Village were currently almost all exchangeable in the Great Xia, Eastern Wei, Southern Zhou and Mengyuan Empires. And I rarely hear of fake silver tickets, which is related to the exchange mechanism of Sihai Qian Bank's silver tickets, which is a good way to prevent fake silver tickets.

At the same time, this also shows from the other side that the silver ticket printing technology is superb, and even the four seas can issue anti-counterfeiting silver tickets, which is not a problem for Su Ziheng.

There is a super developed technology in the base space to support the back, whether it is an anti-counterfeiting watermark or a special printing technology, it can ensure that users are easy to identify, and it cannot be imitated.

It's just that Su Ziheng has to consider that if he found the banknote at the beginning, will anyone admit it, and will anyone be willing to use it?

No one wants to use banknotes, no matter how good the anti-counterfeiting technology is, it is just a piece of paper, not money.

"Therefore, coins should also be minted, and the two are carried out simultaneously, on the one hand, the coins are found to reassure the people, and on the other hand, the habit of using paper money is popularized." Su Ziheng thought about it for a long time and felt that this method was the safest.

After the treat, Su Ziheng pulled Zhao Wan'er to find Zhong Qinghan and discussed with them about minting coins and issuing banknotes.

After listening to Su Ziheng's analysis, Zhao Wan'er pursed her lips and smiled: "Xianggong, are you too worried?" Listen to what you mean, this banknote is not much different from the silver ticket, but its denomination is smaller, what is not used to this, there are many people who use silver tickets outside. ”

Zhong Qinghan also nodded and agreed: "Wan'er is right, many children of big families go out with silver tickets, and rarely bring silver, because the silver is too heavy and it is inconvenient to carry. ”

"Well, well! It seems that I am unheard, and in that case, do I still have to mint coins? Su Ziheng asked.

Zhong Qinghan glanced at Zhao Wan'er and didn't speak, she still felt that Zhao Wan'er was better at business than herself.

Zhao Wan'er thought for a while, nodded and said, "Let's cast some, as you said, many people are still more accustomed to using copper coins." And at present, many people are illiterate, and their understanding of paper money is insufficient, which is not as intuitive as copper coins, and is more durable. ”

Su Ziheng smiled when he heard this: "Wan'er, if you are thoughtful, then I will mint one-third of the coins and issue two-thirds of the banknotes." ”

"At that time, the coins will be minted according to two kinds of copper coins and silver coins, and the exchange ratio will be one silver coin for one hundred copper coins, how about it?" Su Ziheng suggested.

Zhao Wan'er nodded and said, "There is nothing wrong with this ratio, but is the purchasing power of the copper coin the same as the original copper coin?" You must know that there are several kinds of copper coins circulating in the market now, and the purchasing power of our copper coins in Daxia is much higher than that of the copper coins in the Eastern Wei Dynasty, so you have to formulate a good exchange ratio. ”

Regarding the copper coins on the market, Su Ziheng also understands that due to the strong national strength of Daxia, the copper coins minted have a relatively high copper content, and the purchasing power is relatively strong. Because of the war in the Eastern Wei Dynasty for many years, many anti-kings in order to issue more copper coins, the copper content in them has decreased a lot, basically three Eastern Wei copper coins can be exchanged for two Great Xia copper coins.

In this way, the exchange ratio is inconsistent, and it is reasonable to use it more troublesomely, but the common people are full of wisdom, and they use the different exchange ratios to make full use of it.

For example, a meat bun in the market is worth one Daxia copper coin, so one steamed bun is slightly cheaper, and two copper coins can buy three steamed buns. In the past, when there were no copper coins in the Eastern Wei Dynasty, ordinary people usually bought at least three steamed buns, because there was no money to pay for one steamed bun.

Now it's different, just one Eastern Wei copper coin can buy a steamed bun, which effectively solves this problem.

"Otherwise, when I mint coins, there are two kinds of coins, one of which is a large copper coin for two small copper coins, and the same is true for silver coins, so that I don't have to worry about the problem that there are no small coins in the market that cannot be found." Su Ziheng said.

The issuance of currency must be determined according to the market, not that you will be hot-headed to decide what you want, and those that do not conform to the laws of the market are destined to be eliminated by the market.

Zhao Wan'er's eyes lit up, and she nodded violently: "This method is good, but in this way, it will require several sets of coinage machines, will it be too costly?" ”

Su Ziheng said with a smile: "It doesn't matter, the cost of one device and four pieces of equipment is not much different." ”

For Su Ziheng, if you want to do a good job of a currency machine that no one imitates, you must use a 3D printer to print parts. The use of 3D printers is only related to the energy consumed when it is turned on, and after it is actually turned on, the printed parts do not consume much energy, and it is nothing more than the consumption of raw materials.

Zhao Wan'er was pleasantly surprised: "That would be the best, since this is the case, we will produce a few more sets of equipment, and the size of the coins will not only be distinguished by size, but also by adding a point identification mechanism, so that it will be more difficult for others to imitate." ”

Su Ziheng couldn't help laughing, "Don't worry about this, it's not me bragging, when the time comes, the coinage machine will come out and let you see it for yourself, so that no one can imitate it." ”

With the technology of this era, Su Ziheng believes that the money printing machine printed with a 3D printer may definitely be a hundred years ahead of them, and it is impossible to imitate it.

Even if such a great god can be made occasionally, the cost will definitely exceed the currency itself, and it is the kind that cannot be copied in large quantities.

Su Ziheng believes that these people will not be so stupid, the cost of handmaking imitations is higher than the coin itself, with this time and money, isn't it really better to use it directly?