Since Emperor Yan first opened the bazaar, the exchange of goods has become an indispensable part of people's lives. From the most primitive barter, to the development of gold, silver, copper and other weighing currencies, to the minting of coins, it took an unknown amount of time. But now, from weighing money to paper money, there is not even a thousand years. After all, the period when there is no historical record of mankind is definitely much longer than the era of historical records, don't look at everyone attributed the appearance of the market to Emperor Yan, but when the market appeared, no one can say why.

But now, under the manipulation of Gao Ye, intentionally or unintentionally, the "Jiaozi" that originally appeared in the Song Dynasty is about to be born. There is no way, now the commercial contacts, the large trade volume, and the large demand for copper coins are no longer able to be met by the Han Dynasty, which is short of copper mines. Even if gold and silver are used, it is only an encouragement to maintain, after all, strictly speaking, silver is not legal tender in this era.

It is precisely because of this that as soon as Mi Zhu said this time today, he received a response from everyone. After all, Cao Cao's ministers, who don't have some business yet. Especially the big clans like the Xun family and the Zhong family, who have a big business, have a deep understanding of the shortage of money. If the bulk goods cannot be received, it will be impossible to continue to maintain his monopoly operation, and the interests of each family will have a slight twist and turn for a while. It is precisely because of this that how to solve this big problem has become the key to discussion.

As for Cao Cao, although he was not very good at business, he could understand from a political point of view what the collapse of the monetary system would have on his rule. It's just that he doesn't know how to do business, so he can't give reasonable advice, so he simply doesn't say anything, and waits for the following Jingshi University to discuss a result, so that he can solve the dilemma in front of him. As for restricting commerce? Don't be funny, the profits brought back by business every year are already non-negligible. Besides, in times of war, where is there no need for money? In history, Cao Cao specially organized a team of men and horses to steal graves and dig graves, isn't it because of the shortage of military spending. In this life, there is a strong business system and tax system to help him make money, and it is still unknown whether the captain of the gold school still exists.

There was still an argument below, but Cao Cao listened to Gao Ye's words, but his attention did not focus on Mi Zhu and the others, but looked at Gao Ye with a smile and said: "Looking at your calm appearance, I think there is already a solution." Your Gao family is also prosperous in business, and when the monetary system collapses, your Gao family will suffer heavy losses, I don't believe that you have no way to laugh. ”

Gao Ye laughed even more when he heard this, shook his head and sighed: "Although there is no specific way yet, I have some ideas." Emperor Wu is eloquent and strategic, and this time he has to rely on his intelligence. As soon as Gao Ye's words fell, Cao Cao immediately looked puzzled. Xun Yu, who was closest to Gao Ye, looked at him with a shocked expression. Emperor Wu is a rare male lord of the Han Dynasty, Xun Yu is naturally very admired, but Xun Yu doesn't know why the currency matter in front of him can actually find a solution from Emperor Wu. Therefore, Xun Yu hurriedly signaled everyone to stop arguing for a while, and listen to Gao Ye talk about his thoughts first.

Gao Ye saw that everyone's eyes were focused on him, and he also smiled faintly, then sat up straight and said, "I don't know if you have ever heard of platinum and leather coins?" ”

When it comes to platinum and leather coins, there may be many people who don't know what they are, after all, what was more than a hundred years ago has not been handed down, and there was a rebellion of Wang Mang in the middle, and there are still a few people who remember what it is. Even Mi Zhu and Zhen Yao, who were businessmen, have ignorant faces. Fortunately, among all the people present, there are also erudite people, such as Dong Zhao, who frowned slightly, and then said: "These two are the two currencies that Emperor Wu implemented at the beginning of his succession. The so-called leather coins are made of white deer skin in the above forest garden, each one foot square, painted with color maps, worth 400,000 yuan. As for white gold, it is a silver coin that comes in circles, squares, and has different values. What Situ said, but these two things? ”

Gao Ye nodded and said, "Exactly." ”

Xun Yu also nodded when he heard this, although when Gao Ye spoke, he didn't know what Gao Ye would say, but Xun Yu was a person who knew the history of the Han Dynasty well, and as soon as Dong Zhao opened his mouth, he understood Gao Ye's intentions. It's just that he understands it, but he still shook his head and said: "Mingxi's meaning, I think it is to follow Emperor Wu's example, and when the coins are minted, the amount of money is attached to them, so as to alleviate the danger of insufficient copper coins." Seeing that Gao Ye nodded, Xun Yu immediately said: "It's just that these two methods were abolished in less than two years by Emperor Wu, and then there was the minting and circulation of five baht coins, which have been used to this day. It can be seen that the platinum strategy is not a good policy, inappropriate, inappropriate. ”

Inappropriate? Sure enough, it is the knowledge that determines the thinking, and Gao Ye has not yet proposed the banknote, so it has been completely denied. If it were an electronic currency, Gao Ye felt that he might be unanimously evaluated as crazy by everyone in the lobby. But even so, Gao Ye still has to say, after all, paper money will eventually be the direction of the development of money, and at this point, Gao Ye does not see any surprises. Moreover, Gao Ye's goal this time is by no means limited to currency, and under today's commercial development, perhaps the banking industry should also show its head.

Therefore, Gao Ye smiled and said lightly: "Just like the so-called time and time, when Gaozu founded the country, the Quartet was exhausted, and Gaozu had the siege of Baideng, and it was only when Emperor Wenjing II Emperor Wenjing that the people's livelihood was restored." But there was also the rebellion of the Seven Kings, the people were not rich when Emperor Wu, and there were no rich merchants in the world, and the leather coins with a face value of 400,000 yuan, 3,000 coins, and 500 coins of platinum were issued at one time, which was unrealistic, and his issuance method was also problematic, and it was natural that it should be abolished. The issuance of this kind of currency can not be arbitrary, if a deer skin is worth 400,000 yuan without any basis, there are three or five hundred white deer, and the silver money is more than 100 million trillions! In this way, how is it circulated? ”

This time, Mi Zhu was the first to open his mouth and said: "What Situ means is that I will make as much currency as I have as much money as I wait?" But in this way, the amount of this currency is still unchanged, how can we solve the immediate need? ”

"Nature is the basis for changing currency issuance, not to ......issue gold reserves," said Gao Ye gave a general explanation of the two different currency issuance mechanisms of China and the United States in the future, to be honest, Gao Ye did not understand very thoroughly, just this thing was Gao Ye listened to his ex-girlfriend who studied finance to know this. After all, in later generations, even the United States, which has the largest gold reserves, has been unable to use gold as the basis for currency issuance due to the blowout increase in goods, let alone the already scarce gold reserves. After a major transformation by Ma Jun and others, the production efficiency of many industries has been greatly improved, and the increase in goods, even if their prices have fallen, there is always a cost there. What's more, Gu is cheap and hurts the peasants, Cao Cao and they really don't dare to let go of the market to regulate and control, the current situation and future generations are no different, so it is natural for Gao Ye to propose this new mechanism.

Although Gao Ye's understanding is not very thorough, there is one thing that Gao Ye still understands, that is, this kind of currency must not be issued at will, and there must be a foundation, whether it is gold or government bonds, or taxes, in short, there must be a matching foundation. Gao Ye can only talk about a rough idea, which can be regarded as a wake-up call for people like Mi Zhu and Zhen Yao who are good at business. Sometimes they just can't think of it because they are separated by a layer of window paper, and when they pierce this layer of window paper, they think much more than themselves.

After barely popularizing the basis of currency issuance to a room of people, Gao Ye sighed and said: "I don't understand it very well, after all, this is also a new attempt for me, so I just have an idea now." How to implement it depends on the professional. But when it comes to the financial system, I think there is another kind of institution that should be established. And it is better to use the imperial court, no, no, no, maybe it should be established in the name of Sikong. It's also an attempt, and this kind of institution, I call a bank. Its basic principle of making money is nothing more than two ...... of collecting savings and lending"

Gao Ye still has a lot to know about the banks of later generations, after all, as a financial institution that will never be and must not be missing in the lives of future generations, Gao Ye has dealt with him countless times. However, in this era, when the banking industry was just starting, there was no need to be so complicated, to collect savings, lend, and transfer money to the world, then the bank had already completed its functions.

It's just that it's still a troubled time, and although the ideal of connecting the world described by Gao Ye is really very moving, it is still extremely difficult to really realize. However, the emergence of banks can bring much stimulation to business, not only Mi Zhu, but even Xun Yu is also amazed. Especially when Gao Ye contacted the coinage and other things mentioned above, a whole set of financial tactics against other princes was almost presented in front of everyone's eyes.

It turns out that a single coin can have such a big effect, which is Xun Yu's biggest emotion at this moment. Flooding the markets of other princely domains with inferior coins caused prices to skyrocket and cause complaints among the people. On the other hand, their own territory uses a new type of coin, which is completely unaffected by the five-baht coin. In this way, when the new currency became the only strong currency, the other princes had a hard time. Although this set of tactics will take a bit long to implement, it is definitely worth it in terms of effectiveness.

“…… For the people, the bank has a place to put their spare money, as well as interest, and the credibility of the Lord Sikong is guaranteed, and the people will not be reluctant to save money, and even merchants and families will deposit their spare money. Think about it, what a fortune this is! However, the money in this is all the people's, and this must be kept in mind, we can guide the whereabouts of the money, but we must not be greedy for money! Otherwise, it will damage the credibility of Lord Sikong, the face of the court, and the stability of the world! The consequences are so serious that it is possible to fear another great chaos in the world......"10