After everyone saw Qin Tian take out the banknotes he had carefully prepared, they all gathered around.

This is unheard of, and the currency they have never seen before has made them all dumbfounded.

The lowest is one dime, the highest is one hundred, and it is the same as RMB, except that the head case painted above is Qin Tian's head.

It greatly satisfied Qin Tian's vanity!

"Your Majesty, currency reform is not an overnight thing, and it needs to be considered in the long run!" Hearing Qin Tian's explanation, they were shocked and shocked, although it was much more convenient, but if you want everyone to accept it for a while, I'm afraid it is still difficult.

"Isn't that what I'm talking to you?" Qin Tian also understood that it would take some time to get these old antiques to accept them.

Qin Tian re-sorted out the thoughts in his head, and said unhurriedly: "If we want monetary reform, we first have to set up a bank, and I have already chosen the name, Imperial Bank!" ”

"Dare to ask Your Majesty, what is this bank?"

Qin Tian came up with a new word after a while, and everyone was a little overwhelmed.

"This bank is just a name, in fact, similar to a bank, but different, its role is relatively large, how to say? Everyone can keep their money in the bank and withdraw it whenever they want. Not only that, everyone saves money in, and there is interest, oh, you don't understand the interest, to put it simply, for example, if you deposit 1000 yuan, store it in the bank for a year, and so on in the next year you can not only get 1000 yuan, but also take 10 yuan, this is when you deposit 1000 yuan, and it will be 1010 yuan after a year, so you should be able to understand it! Qin Tian explained.

When everyone heard Qin Tian say this, they could roughly understand it.

"Your Majesty, something seems wrong, right? The bank manages the money for them, and they take more money, shouldn't they pay the bank? ”

Qin Tian smiled, knowing that you would ask such a question, so he continued:

"You're right, but what? Now there's what I'm going to say, another role of the bank! ”

Everyone held their breath and began to continue listening to Qin Tian's explanation.

"The money gathered by the bank can be used to lend money, for example, what should I do if some merchants' funds cannot be turned over for a while? At this time, you can borrow from the bank, and then agree on a cycle, with the principal and interest, the same is 1000 yuan, if he borrows it for a year, he will have to repay 1100 yuan to the bank at that time, so that it will be a net profit of 90 yuan, this is the operation process of the bank, can you understand? ”

"Your Majesty, that's a good idea, but if the borrower can't afford to pay it back when due, won't the bank lose money?" Fang Xuanling thought for a moment and continued to ask.

"Fang Qing's concerns are not unreasonable, I have also thought about this, so when taking out a loan, I first have to examine his ability to repay, not just anyone can borrow, it is necessary to use things as collateral, such as a house, for example, this house is worth 1000 yuan, then the loan must not exceed 1000 yuan, only 500 yuan, if it is not repaid when it is due, then the house will be confiscated by the bank, and then the bank will sell the house, deduct the money owed to the bank, and then return the excess to the borrower."

Qin Tian told everyone about the mortgage policy of later generations, and everyone seemed to understand it, mainly because there were too many new words in it, and they didn't understand what it meant, but they could roughly understand it.

"Your Majesty, the minister still has questions!"

"Fang Qing's family, please speak."

"If the bank lends all the money, what if the people who save the money want to withdraw it and they don't have the money to take it?"

Qin Tian nodded, he was not a smart person, so he thought about it more.

"On this point, you can rest assured, the bank does not have much money, that is, there is a lot of money, if there is no money, you can go to print again, with the state as the backing, there is no need to worry about the bank will run out of money."

Once too much banknotes are printed, it will easily cause inflation, and the money will be worthless, but Qin Tian did not say this.

Seeing that everyone had no problems, Qin Tian continued:

"Forming a bank is a very complicated process, and it may not be easy for everyone to accept it for a while, so you have to take it slowly."

"And I can set up a bank alone, but it can't achieve the effect I want, I want to make the Imperial Bank the biggest, so I'm going to invite those top wealthy businessmen to participate and become a part of the bank. After making money, you will get a certain amount of money according to the amount you invested at the beginning. ”

Everyone listened quietly, and they were also looking forward to it in their hearts, after hearing that Qin Tian was going to partner with others, they actually had some ideas in their hearts and wanted to get involved, because this was a profitable thing, and it would be a fool not to do it, but thinking about the money on their bodies, they smiled bitterly.

"The bank's affairs are not in a hurry for the time being, first of all, we have to solve the problem of road construction, starting from Chang'an, I want to replace all dirt roads with cement roads. Xu Qingjia, you are the secretary of the Ministry of Industry, in charge of this piece, so you should do this thing as soon as possible, this is the drawing, as well as the production process, you choose a skilled craftsman to repair the road as soon as possible. ”

Xu Wei took His Majesty's drawings and said, "The minister obeys the order!" ”

"Alright, that's all for today, you guys stand down!"

"Wait for the resignation!"

After everyone left, Qin Tian had nothing to do, so he went to the Imperial Garden, and at this time, he didn't know what the girls were laughing at, so Qin Tian walked over curiously.

"What makes the concubines laugh so happily, say it so that I can live happily."

"Poof!"

"Hahaha......"

When everyone heard Qin Tian's question, they laughed even more happily.

I saw that the second dog on the side was crying, looking like he was being bullied.

"What's the matter, what's going on?"

Qin Tian asked with a smile!

"Your Majesty, haha, you still ask Ergou, right? Let's go first! ”

Situ Yanran pointed to the second dog and said to Qin Tian.

"Two dogs? Ergou, tell me, what's going on? Qin Tian looked at Ergou's aggrieved look and asked curiously.

"Your Majesty, Ergou doesn't want to be a eunuch, and Ergou hasn't married a daughter-in-law yet?" Ergou knelt down directly, hugged Qin Tian's thighs and cried bitterly.

"Get up, you cry a fart, who said you should be a eunuch?" Qin Tian scolded.

"Your Majesty, I heard from other people that no other men are allowed in the palace except Your Majesty, but if Ergou doesn't become a eunuch, he can't serve His Majesty! Woo woo woo ...... "The second dog cried very sadly.

Qin Tian realized that this was the case, so he said, "What did I say? How do you feel weird these days, it turns out that this is the case! Rest assured! No one would dare to make you a eunuch. ”

Ergou has always been heartfelt towards Qin Tian, and Qin Tian sees it in his eyes.