There is an organization in the world that takes your money out of your pocket reasonably and legally, earns their money with your money, you work day and night, and as a result, you become their slaves, and this organization is the bank!

Before the crossing, he was a house slave, a car slave, and a card slave, like other working-class people, who got up early and worked late, and seemed to make a lot of money, but he was working for a bank, and the bank firmly controlled the money bags of hundreds of millions of people just by relying on mortgage loans under high housing prices. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

I have suffered from banks for a long time, and in turn, I know the benefits of opening a bank.

Wei Yan wants to remit the world's wealth as his military expenses, and I am afraid that only the banking system has the ability to regather the scattered money and use it for his use.

Once he thought of the benefits of opening a bank, Wei Yan immediately made a decision to open a bank by himself.

Wei Yan knew that the prototype of the bank, called Qianzhuang, also known as the silver number, only appeared in the middle of the Ming Dynasty, originated from the exchange of silver money, and then gradually developed into the deposit and exchange.

Among them, the exchange business began to appear in the Western Han Dynasty, and developed in the Tang and Song dynasties, and began to be operated by gold and silver shops and cabinet shops. During the orthodox years of Ming Yingzong, the Ming treasure banknote depreciated, the government relaxed the ban on the use of silver, the silver money circulated publicly, due to the huge and complex private money, the weight of the copper money is different, the fineness is different, the difference in the price between the money, private money, and white money is large, the change is more, the exchange industry is more developed, and there are a number of financial organizations specializing in the exchange of copper money, called the money shop, also called the money shop, the money bank. By the end of the Ming Dynasty, Qianzhuang had become an independent financial organization, not only operating exchanges, but also lending money, providing convenience for issuing posts and withdrawing money.

In other words, the bank is not a modern product that popped up out of nowhere, and it could still exist in the ancient economic environment.

Of course, Wei Yan knew very well that opening a money bank in the troubled times in the late Eastern Han Dynasty would definitely face many difficulties.

First of all, the money bank may be looted by other forces.

In response to this, from the beginning, Wei Yan would only open in Yiyang, Wancheng and other places under his full control, and when his power expanded, he would slowly develop to other places, and he would set up in heavily guarded cities.

Secondly, there were hidden dangers in the exchange business of the bank, and the gold, silver, and fine coins of Wei Yan's side would be swallowed up by the counterfeit and shoddy coins privately made by the enemy.

In response to this, Wei Yan only allowed the five-baht coins officially minted by the Han Dynasty and real gold and silver to flow in, and strictly prohibited coins minted by other forces from circulating in Wei Yan's sphere of influence.

Each bank has a sample of good coins, which are identified from many aspects such as fineness, handwriting, weight, etc., and once they encounter the enemy's private coins, they will all be regarded as counterfeit coins and all will be confiscated.

Moreover, the ordinary people did not recognize Qian Zhuang at first, so Wei Yan first opened up the deposit and loan business to the soldiers, officials, and businessmen in the army, and then opened it to the ordinary people after the power was stable, and those people also had trust in Wei Yan at that time.

The pace of opening a money village and the expansion of Wei Yan's power are complementary to each other, and they will develop steadily and orderly.

The early advent of this new thing in Qianzhuang will definitely face all kinds of suffering, and it is destined to be a lot of trouble.

Many people will only see difficulties, but they do not see that every time they overcome a difficulty, they will win a development opportunity, they are unwilling to face up to difficulties, to overcome difficulties, so their personal development is also very limited.

Wei Yan is different, he is a person who rises to the challenge, he sees the huge benefits and bright prospects contained in opening a government-run bank, so even if there are many difficulties, he will come to block them, cover them one by one, and break through, just to get the huge benefits.

Wei Yan gave Qianzhuang a very meaningful name, Yancai Qianzhuang, and the slogan followed: "Extend your wealth, extend your fortune, please invest in Yancai Qianzhuang." ”

Later, Wei Yan felt that this name was always a bit silly, and when he later unified the Central Plains, he changed the name of Qianzhuang to Central Qianzhuang, and later changed it to the Central Bank.

Wei Yan didn't have the energy to create and operate this money bank, so he thought of a good candidate, Liu Ba!

Historically, when Liu Bei and Liu Zhang went to war, they had an agreement with the soldiers: "If the big thing can be done, you can take the things in Liu Zhang's mansion treasury, and I will not interfere." When Chengdu was captured, the soldiers all threw down their weapons and went to the treasury to get treasures, resulting in a shortage of military resources, and Liu Bei was very worried. Liu Ba suggested to Liu Bei: "This matter can be easily solved, just cast copper plates worth 100 coins to pass, unify prices, and implement a public sale system." Liu Bei followed Liu Ba's advice, and sure enough, within a few months, the treasury was replenished.

Liu Ba is definitely an unborn banker, and he is at the level of the central bank.

It's just a pity that Liu Ba is now in Jingnan, and he is a family figure.

Liu Ba is a native of Lingling County, Lingling County, his grandfather Liu Yao was the Taishou of Cangwu County, and his father Liu Xiang was also the Taishou of Jiangxia County and the general of Dangkou. Even Liu Biao didn't pay attention to it, and Wei Yan naturally didn't put it in his Liu Ba's eyes.

Wei Yan sent people to conquer several times, but Liu Ba ignored them.

Wei Yan had no choice but to ask Wang Cang to do this.

The reason is very simple, Wang Cang is good at calculation, doing arithmetic, and can always calculate the correct answer easily.

But being good at calculating or settling accounts is fundamentally different from running a bank.

Wei Yan wanted to see if Wang Cang could take on this responsibility.

When he saw Wang Can, Wei Yan deliberately looked at Wang Can's eyebrows and asked, "I heard that when you went to Xiangyang on business a few days ago, you met Zhang Ji?" ”

Wang Cang exclaimed: "I didn't expect you to even know this, lord?" ”

Wei Yan said solemnly: "But Zhang Ji said to you, 'You are already sick and should be treated as soon as possible. Otherwise, by the age of forty, the eyebrows will fall out. Half a year after the eyebrows fall out, they will die. If you take Wushi soup now, you can still save it. As a result, you were very unhappy when you heard this, and you thought that you were not feeling well, so you did not listen to him, and you did not take medicine. A few days later, Zhang Ji saw you again and asked, 'Have you taken medicine?' You lied to him and said, 'I've already eaten', and then Zhang Ji carefully observed your expression, shook his head, and said to you very seriously, 'You haven't taken medicine, your expression is the same as before, why do you avoid medical treatment and take your life so lightly?' ’”

Wang Cang was dumbfounded: "The lord even knows the conversation between his subordinates and Zhang Ji?" ”

Wei Yan's face sank: "You trust me?" ”

Wang Cang personally experienced the magic of Wei Yan's breathing technique, and respected Wei Yan like a god, so he said: "My subordinates are convinced of the lord!" ”

Wei Yan said: "What Zhang Ji said is right, if you don't believe it and don't take the medicine, your eyebrows will slowly fall off after twenty years, and you will die after half a year of eyebrow loss." With your amazing talent, if you die young at the age of forty, it is really a loss for the great man! So, from now on, you have to take five-stone soup every day! Don't be overlooked! ”

Wang Cang heard Wei Yan say this now, so he really took Zhang Ji's words to heart, and later followed Hua Tuo to learn the five poultry opera, and his body became healthier and healthier, and later he lived to be more than eighty years old.

And now the question is, can Wang Cang take on the heavy responsibility of setting up a money bank?