"How can I get the Maison to voluntarily put the grain in my warehouse for storage?"

Yuan Yao asked Lu Su a key and direct question, so Lu Su was a little dumbfounded.

The Han Dynasty was in the era of grain standard, otherwise the officials would not have been graded according to the "stone", Yuan Yao's sentence in later generations is like asking "how to put other people's money in me" as unreasonable, even if you add a sentence "Don't be afraid, I still do!" "No, no one believes it.

National credit has little application in this era, at least in monetary terms, because the currencies of today are hard currencies such as copper and gold, which have their own value and do not need to be attached to credit.

Silver is not yet the mainstream currency because of the small production of China, and it will not be able to enter the historical stage until a large amount of silver influx during the Age of Discovery.

Moreover, Yuan Yao represents not a country, but just a prince, and how to establish credit is a difficult problem.

In addition to credit, there is also a need, and you need to figure out why people will give you food.

The prototype of the ancient bank has existed very early, it is said that it has existed in the Tang and Song dynasties, and the money village was born in the Ming Dynasty, which originated from the exchange of silver money, and then gradually developed into the deposit and exchange.

In the Qing Dynasty, it developed into a ticket number, which was a networked financial institution and realized the function of remote access. To a large extent, this was convenient for the merchants at that time, and avoided all kinds of difficulties and dangers in depositing silver.

If the bank's experience is applied to the grain bank, the exchange will be meaningless, because the market already has the function of exchanging currency for grain, and there is no need for Yuan Yao to do it again.

The demand for off-site access was not high for the commercial scale of the Han Dynasty, and only grain merchants like Lu Su were of some interest, but Yuan Yao's customer group was the families who owned the grain stock, and the family's grain storage was mainly to meet the consumption of the local market, selling to the commoners who were exploited by them, and using the grain to shear sheep.

Then all Yuan Yao can consider is the access function, as for the functions of loans and investments, they are all things that can only be considered after he is full.

Thinking about this, Yuan Yao thought for a long time, and then suddenly thought of something and asked Lu Su: "Is there any loss of grain storage?" ”

Lu Su smiled: "This is naturally there, damp and moldy; Drying and water loss; snakes, insects, rats, ants; Aging and deterioration will cause the loss of stored grain......"

Yuan Yao's eyes lit up when he heard this, and he interjected: "How much is the annual loss?" ”

Lu Su thought for a while: "It depends on the storage process, Jiangdong is more humid and rainy than the north, relatively speaking, it is more difficult to store, and rice is more difficult to store than corn, if you remove big mistakes or disasters, the normal average estimate, about three to five points of annual loss." ”

Three to five points is 3%-5%, Yuan Yao is relatively indifferent to this loss rate, but he is a little concerned about this value, if he now has 300,000 grains of grain, that is, a normal loss of 9,000-15,000 grains a year.

"So many?" Yuan Yao was a little surprised.

Lu Su nodded and said: "The loss mentioned by the subordinates is only the loss of weight, if the value is calculated, it has to be estimated anew, because the longer the old grain, the lower the value." But judging from the current world, there is no need to worry about this problem. ”

Yuan Yao was a little worried about this loss rate, so he checked the granary building of the system again, and found that the annual loss marked on it was 1%, which means that this value can be reduced through system technology, so Yuan Yao was more relieved.

"So how about we provide the Maison with loss-free storage of food? Let them give us the grain for storage, and we will provide an officially certified ticket, and then whenever they take the ticket to pick it up, we will give them back a lot of money! ”

Yuan Yao was a little excited and put forward his thoughts to Lu Su.

Lu Su was stunned and said, "What's in it for us?" Could it be that the lord wants to secretly embezzle? ”

"There are so many benefits!" Yuan Yao's eyes lit up and said, "Of course it's okay to embezzle, but it depends on the quantity, you can't mess around, you need to retain the ability to deal with a large-scale run at any time, and the excess can be borrowed temporarily!"

These grains can be temporarily used by the army, and then replenished after taking other territories to plunder grain or increase land endowments, of course, interest needs to be calculated, and a stable supply and demand relationship can only be formed if both sides have benefits.

It can also be used to borrow chickens and eggs, such as lending, or directly investing in tuntian, handicraft workshops, etc., which can recover the cost.

You can even process raw grains into coarse grains and refined grains to earn the difference, and you can also directly sell wine, etc., in short, you won't lose money!

And most importantly, we can take the opportunity to introduce a grain-standard currency, control the coinage, and reduce the cost of coinage through technology......

Uh, forget it, we'll talk about that later! ”

Yuan Yao was a little too excited, on this advanced topic, if he said something that had not yet been scored, it would make Lu Su Meng, so Yuan Yao immediately shut up and stopped. But despite this, Lu Su's brows were already deeply locked!

"Let's put it simply......"

Yuan Yao saw that Lu Su pondered for a long time and didn't speak, Yuan Yao couldn't help but continue to explain, "You just said that we open a grain store to provide free warehousing services, and there is no loss, and it can be accessed at any time. Will the Maison give us the grain for safekeeping? ”

"Not necessarily!" Lu Su shook his head directly.

"Uh......" Yuan Yao's heart was cold, "Why?" ”

Lu Su replied: "Avoiding storage losses can indeed take a small advantage, but it is too bold to directly hand over all the grain to others." ”

“……”

Although Lu Su didn't say it explicitly, Yuan Yao already knew what he meant, the Yuan family was originally rejected by the local family in Jiangdong, and it was impossible for someone to hand over the grain assets to you for preservation.

In fact, it comes back to the credit problem, which seems to be the key factor that cannot be bypassed by opening a financial unit.

Yuan Yao didn't have any idea about the establishment of credit, and the credit of the ticket number in later generations started from within the merchants, because the owners who opened the ticket numbers were all big businessmen, which was very convincing for the merchant class.

If it is in the Central Plains, Yuan Yao may be able to learn from it, let the Yuan clan come forward to establish a grain store, and use the reputation of his clan as a guarantee, it may still be difficult, but at least there is a chance to start.

But in Jiangdong, it is a bit troublesome, and I am afraid that no one here is willing to give face to the Yuan family, and there may not even be Lu Su's face.

Do you want to invite Jiangdong Shijia to participate in the shares? But no matter how you look at this forward-thinking concept, it feels a bit like a white wolf with empty gloves.

If you can't get people to do it willingly, then there is only one way left.

Of course, Yuan Yao will not rob it.

"Zijing, help me refer to it and see if it's feasible," Yuan Yao said cautiously, "I want to create a new money name: 'grain money'."

This kind of 'grain money' can only be exchanged for storing raw grain in the grain store, which is what I said before, and then issuing a decree to the whole people: all taxes in our territory must be paid with this grain money, otherwise people and goods will not be able to enter the city, and shops will not be able to open. Violators shall be punished as tax evasion;

In the monopoly system of the salt and iron government, there is a new establishment: those who have enough to buy salt and iron utensils in my territory can only use the 'grain money' to pay, and nothing else is charged, and they can buy unlimited quantities;

Folk brewing is temporarily prohibited, and drinking alcohol can only be exchanged for 'grain money' at the grain store;

In the future, I will also intensify the construction of government-run trading, and all products will be exchanged for 'grain money', such as silk weaving, ceramics, tea, papermaking, etc.;

Also, Zijing, I'm afraid I'm going to use your face to tell those families you have cooperated with that whoever supports us in opening a grain store, the head of the local grain store will be directly appointed by his family, and the granary is still kept by their own family, so you don't have to worry about me secretly getting it, and even the local county officials will have no problem giving it to him.

What does Zijing think of these? ”

Yuan Yao was ruthless for the sake of food, completely abandoning his personal emotional factors, as long as things can be done, he can do anything!