The third volume sailed in the Ming Dynasty

Xu Hongxuan pursed his lips and smiled, "Governor Qin, this is a good thing, who in the world doesn't know it?" ”

"That's it, Governor Qin, isn't this just a silver ticket?"

"Wow...... I have a silver ticket of 10,000 taels from Changlong Qianzhuang."

"Hey, I'm from Shenglong Qianzhuang."

"I am the Zheng family's silver ticket, what about him, if it is mine, he will be rich."

……

Everyone in their hands, rough or fine, without silver tickets, laughed and said, "If only it were ours."

"It's really not ours, but we have it ourselves."

Qin Haoming said with a smile, and then glanced at Hong Dixin, who cautiously took out a wooden box, opened the lid of the box, and took out a stack of brand-new silver tickets, as well as a unified system of silver coins and distributed them to everyone.

"Is Governor Qin going to open a bank? Not...... Does this bank mean a bank? ”

Lu Xinrong held the exquisitely made silver ticket in his left hand and looked at it repeatedly, wrote to Daming Bank, and weighed the silver coin with his right hand, as if testing the weight.

"That's probably what it means, but it's a little different, you see it first, and I'll explain it later."

Qin Haoming nodded, shook his head and said after a while.

"It's a beautiful silver coin, the workmanship is really good, it seems that the craftsmen of the Smelting Bureau are good."

Xu Jie took the silver ticket and silver coin handed to him by Hong Dixin, and focused on the silver coin.

It feels very good to start, the silver is shining, the newly minted silver coin seems to have some residual temperature when stamping, and then look carefully, the silver coin does not have a complex pattern, and the four words "Daming Bank" in the middle of the obverse.

The word is written by Qin Haoming, and then printed with rubbing, on the level of calligraphy, it can still be seen, not to mention everyone's work. However, it is more than enough for printing.

On the back of the silver coin is the word "one or two", of course, it is still written by Qin Haoming.

Everyone picked up a silver coin in their hands and looked at it carefully, this thing was still very new to the people of the Ming Dynasty.

The Ming Dynasty has never minted gold and silver coins seriously, and the level of copper coins is also uneven, and few of them are controlled by the imperial court.

The people are now not only using the apocalypse money, but also using the Wanli money and Jiajing money, and even some people use the copper coins of the former Song Dynasty.

Wu Feng took the silver coin, first flipped it up and down, admired the words on the silver coin with intoxication, and then carefully observed the appearance of the silver coin, and then the question appeared: "Why should the silver coin have lace?" ”

Qin Haoming said with a smile: "People are unpredictable, if someone gets the silver coin, they grind off the silver edges from the four sides on a large scale, and they will make a small profit."

Or in the future, some people will also grind the edge, when one or two of them are ground for me into eight or six coins, then it will not only be as simple as losing some silver, but also affect the credibility of our silver coins. ”

"I see." Wu Feng suddenly realized: "Using this lace is to prevent people from polishing it in private, good idea, really good idea." ”

Wu Feng smiled and shook the silver coin, and said: "One tael of silver coins actually weighs eight coins, and in addition to some accessories, it is two coins......

Yan Yingyuan, who was standing near the left, suddenly lit up with his eyes!

Qin Haoming saw his expression and smiled and asked, "But what do you understand?" ”

"I understand something." Yan Yingyuan's eyes showed excitement, he was not stupid, how could he not understand?

As soon as he thought about it, he couldn't hold back his admiration, and Yan Yingyuan couldn't help but arch his hand and said: "My lord is really a genius!" ”

Qin Haoming couldn't help but laugh.

Minting coins, whether it is the copper coins of the imperial court or the silver coins minted by Qin Haoming here, the interest on the money is of course the most important.

The imperial court took 200,000 taels of capital to buy copper, and the coinage was worth 600,000 yuan, not counting the cost or anything, and you could earn 400,000 yuan as soon as you entered and exited.

Of course, the quality of this copper coin can be imagined.

Of course, Qin Haoming's silver coins don't have to be like this, one or two goes to two coins, plus two coins of accessories, one or two silver earns four dollars, and the gross profit is only forty percent.

That is to say, if one million silver coins are issued, the profit is four hundred thousand taels.

Of course, this is an algorithm that has not yet calculated the cost, but the cost of minting is not high and very limited.

In his plan, the Daming Bank would not only make silver coins, but also a small number of gold coins and a large number of copper coins.

Of course, copper coins are another method of making, which requires more labor, and the technical content is much simpler than this method of minting silver coins, and of course the quality level is far from the same.

Qin Haoming didn't plan to invest too much in copper coins, copper coins were ready to be used to make money, as long as the quality was slightly better than ordinary folk coins.

Yan Yingyuan was happy for a while, and suddenly seemed to be alert, he asked Qin Haoming in a low voice: "Qin Du, if this silver coin is issued by the people, it will definitely be found to be insufficient, and there are impurities, this is ......"

"Who told you to release it in the private sector?" Qin Haoming on the side asked rhetorically.

Putting down the one in his hand, he picked up another one and examined it, and saw that the quality of the silver coins was almost identical, so he nodded again.

Turning his head to see Yan Yingyuan with a stunned face, Qin Haoming clapped his hands and focused everyone's attention and said:

"The amount of silver coins is insufficient, and to make up for this amount is to take the credibility of Daming Bank to guarantee, and the guarantee is the two words on the back of this silver coin.

One or two is sufficient for one or two, and if it is issued in the private sector from the beginning, even if we have a very high reputation in Fujian and Guangdong provinces, the people and businessmen will definitely be suspicious of using it.

In this case, we don't have to distribute it directly in the early days, but use it ourselves. ”

"I see." Yan Yingyuan is also a smart person, and he figured it out at once.

Hong Dixin bent his fingers and calculated: "Ladies and gentlemen, military salaries are the bulk of expenses, and the wages of various workshops follow closely behind, and these two items cost more than one million taels a year.

If this kind of silver coin is issued as wages and military salaries, this piece alone will save hundreds of thousands.

Coupled with the construction costs and construction costs on the construction site, this can save a lot.

Why can you save it? This silver coin is not issued by the private sector first, but to our own people, we can ask them to use it in the business house of the Governor's Palace, and one tael of silver coins is the amount of one tael, so as to ensure credibility.

Our soldiers and workers can use it, of course, there is no problem for Daming Bank to accept this kind of silver coin, and soldiers and workers do not use it immediately after taking the silver salary, which is equivalent to Daming Bank borrowing two ...... of silver from them first."

Hong Dixin explained the joints to everyone one by one, and then turned his gaze to Qin Haoming.

Qin Haoming nodded, stood up and personally explained in detail to the people, "Ladies and gentlemen, this governor will add the following points, I hope you can support ......"

With Qin Haoming's eloquent words, everyone finally understood.

It turned out that the internal expenses of the Governor's Palace had gradually become so large that they could not be disclosed.