Yang Lin left the suburbs of Beijing, took the depressed Ji Xiaolan, Zhao Xiang and the elites of the Royal Academy of Sciences and the Royal Academy of Engineering to stay, his interest increased greatly, he looked at the steam locomotive excitedly, pointed his fingers, and enthusiastically discussed the improvement plan and formulated a preliminary plan. Pen % fun % Pavilion www.biquge.info

Beiping City, in the Qinzheng Hall of Xiyuan, Yang Lin and Ji Xiaolan sat opposite each other, the latter still drooped his head, wilted, looked listless, and spoke weakly.

"Your Majesty, didn't Weichen agree? The Treasury and the National Treasury will fully support Zhao Xiang and them, the project of developing a steam locomotive, do you have anything else? ”

Just based on Ji Xiaolan's whining words, it can be seen that Yang Lin gets along well with the ministers and does not put on a show.

"Hehe, Premier Ji, I called you to the Qinzheng Palace, and called here, not for the steam locomotive, but for other important matters to discuss." Yang Lin's tone was stunned, revealing a mysterious look, seeing that Ji Xiaolan's eyes lit up, he had already had enough appetite, and then continued: "Premier Ji, I won't tell you, I want to establish Huaxia Bank." ”

"Huaxia Bank? Your Majesty, what is Huaxia Bank? What is that for? Ji Xiaolan tilted her head with a puzzled look on her face.

Yang Lin smiled lightly, did not explain the function of Huaxia Bank, but changed the topic, and said: "Premier Ji, at this time, the Great Guangchao is becoming more and more prosperous, the people are getting richer and richer, and various industries are even more prosperous. I would like to ask, what is the most troubling thing for the people today? ”

Seeing the puzzled look on Ji Xiaolan's face, he didn't answer immediately, and he didn't understand what he meant, Yang Lin further said: "Premier Ji, to put it bluntly, from the royal family and nobles, to the rich businessmen, down to the three religions and nine streams, from all walks of life, to individuals, what do you think is the thing that bothers them the most now?" That is, what is the biggest problem they have in common at the moment? ”

Ji Xiaolan understood at this moment, but she was still silent, did not answer immediately, lowered her head and pondered, Yang Lin did not urge, and waited with interest, waiting for Ji Xiaolan's answer.

After a while, Ji Xiaolan's eyes suddenly lit up, and he found a problem shared by everyone in the world, including himself. However, the self-confidence that had just risen went down again, and Ji Xiaolan asked with some uncertainty: "Your Majesty, do you mean to talk about silver?" ”

Yang Lin nodded approvingly, smiled lightly, and encouraged: "Premier Ji, but it doesn't hurt to say, what kind of person I am, you don't know, just speak freely, don't worry about anything?" ”

seemed to be encouraged, Ji Xiaolan began to feel confident in her heart, became more and more confident, and began to talk eloquently: "Emperor Qiqi, today's Great Guang Dynasty, the national strength has recovered, it is becoming more and more prosperous, all walks of life are prosperous and developed, the people's lives are getting better and better, and their incomes are getting higher and higher. As a result, new problems arise that are still intractable and have to be solved. ”

"Oh~? Premier Ji, what is the problem you are talking about? Let's be specific. Yang Lin said at the right time.

"Your Majesty, it's like this, in today's Daguang Dynasty, all walks of life, no matter who they are, are inseparable from expenses, as long as they live, as long as they live, they can't do without the use of silver. In the past, the people's income was not high, and they could not save much silver in their families, but it was nothing. ”

"It's different now, even the poorest people have a hundred and eighty taels of silver at home. However, traditional silver coins are either made of copper or money, and if the amount is small, it is better to say, and there is no problem in using them. However, now that the economy is so good, it is even more common to use thousands or tens of thousands of taels of silver in large quantities. In this way, not to mention the problem of wear and tear, it is also very inconvenient to use. ”

Having said this, Yang Lin didn't continue to hide it, flickered, nodded slightly, and then said: "That's right, whether it's copper coins or gold and silver, it's very inconvenient to use." Whether it is a wealthy businessman or an ordinary person, putting so much silver in the house is too conspicuous, very unsafe, and it is extremely unsmooth to use. Therefore, I wanted to set up a Huaxia Bank to carry out a reform of money and silver, and issue a kind of banknotes, called Huaxia currency, with banknotes in denominations of centi, jiao, yuan, 100 yuan, 1,000 yuan, and 10,000 yuan, and circulate them on the market for the use of the people and the world. ”

As soon as these words came out, Ji Xiaolan did not show too much joy, frowned slightly, already understood what Yang Lin meant, and thought secretly in his heart: "It turns out that the Huaxia Bank established by the emperor is equivalent to the nature of a money bank, for people all over the world to deposit and withdraw silver. ”

As if he had guessed what Ji Xiaolan was thinking, or out of emotion, Yang Lin's voice came again.

"Hey, although we have money in the Guang Dynasty, but those are private in nature, not easy to manage, once it goes out of business, or absconds with the money, the merchants and people who store it will suffer heavy losses. In this case, it is better for the imperial court to open a money bank, which is of an official nature, so that the people's property is guaranteed. ”

"And even the money banks everywhere are safe and secure. However, they issued large-denomination silver bills, which did not play a big role in the circulation of transactions and the use of money for daily use, but only slightly relieved, but did not solve the substantive problems. ”

Ji Xiaolan's ears were straight, and when she listened carefully, her brain was running at high speed, constantly thinking, and secretly speculating: "It seems that the Huaxia Bank that the emperor talked about is just similar to Qian Zhuang, but it is different from Qian Zhuang, which is very different. The most important thing is that the money village created by the imperial court has a great degree of recognition, after all, the credibility of the imperial court is there, unless it is the day when the Great Guang Dynasty disappears. Otherwise, there would be no loss of property for the people. ”

Moreover, if the imperial court really produces paper money, as long as the Huaxia currency can be circulated, the people of the world will recognize it and use it. Then, the economy of the Great Guangzhou Dynasty will rise to new heights. The portability of paper money will catalyze many transactions and reduce the danger of some people hiding large quantities of silver. ”

Thinking of this, Ji Xiaolan was already moved, and agreed with Yang Lin's statement that Huaxia Bank was established, and after thinking about it, thinking of what Yang Lin had just said, Ji Xiaolan had new doubts in her heart, as soon as Yang Lin's words ended, she immediately blurted out a new problem, and the problems that Huaxia Bank had to face when establishing Huaxia Bank.

"Your Majesty, Wechen very much agrees with the establishment of Huaxia Bank. However, new problems arise. Since paper money is issued, what do we have to say? You can't force the issuance of paper money and force people to use Huaxia coins, right? The simple use of paper money can easily cause panic among the people and cause great riots. ”

Yang Lin smiled faintly, showing great confidence, and said slowly: "This is simple, since I want to establish Huaxia Bank, of course, it is not a pure issuance of banknotes, but a margin, as a standard for issuing banknotes." ”

"Margin? Your Majesty, what does the security deposit mean? Ji Xiaolan had a puzzled look on her face, and subconsciously blurted out a question.

"The margin means that the imperial court will allocate a sum of silver as collateral for the issuance of banknotes. The Huaxia coins issued are equivalent to silver, or gold, and the Huaxia coins can not only be bought, sold, circulated, and traded in the market, but can also be exchanged for silver or gold at the Huaxia Bank, and the silver and gold stored in the Huaxia Bank's warehouse are the margins I am talking about. ”

Hearing this, Ji Xiaolan suddenly breathed a sigh of relief and put his mind at ease, he was really worried that Yang Lin would come and force the people to use Huaxia coins.

"Your Majesty, if there is such a sum of silver, it would be great! Then, it will be much easier to issue Huaxia coins, and there will be a lot less resistance, and the people will be able to accept it. After all, with just a piece of paper, the imperial court stipulates that it is money, which will cause great resistance, and no one can accept it. As long as the Huaxia currency can be exchanged for silver, then the people are happy to live with the Huaxia currency. After all, there is a great inconvenience in using traditional gold, silver and copper currencies. ”

As soon as Ji Xiaolan paused, Yang Lin added: "Not only that, especially those merchants, as long as they ensure the smooth exchange of Huaxia coins and gold and silver, they will benefit the most, and it will be much easier to do business." ”

"Then the emperor, Weichen will convene all ministers to discuss and coordinate the specific matters of Huaxia Bank, implement it, and strive to establish Huaxia Bank this year and issue Huaxia currency." Ji Xiaolan's face was excited, and she looked a little impatient.

However, Yang Lin shook his head and said earnestly: "Premier Ji, there is no need to be so anxious about Huaxia Bank, before issuing Huaxia coins, we must ensure that its anti-counterfeiting and counterfeiting will not be imitated by some young people." Once there is a fake Huaxia currency, Huaxia Bank's loss is small, and the consequences of disrupting the market can be serious. ”

As if being poured a basin of cold water, Ji Xiaolan immediately calmed down, since ancient times, it is not that there have been counterfeit coins, but the impact is not great. After all, traditional currencies are real money, even if it is copper money, it is also real material, and the cost of counterfeiting is too great, far exceeding the value of the currency itself.

However, Huaxia coins are different, to put it bluntly, it is a piece of paper, and the cost of counterfeiting is much lower, especially those with large denominations.

Therefore, as the prime minister of the Great Guangzhou Dynasty and assisting the emperor in managing internal affairs, before the establishment of Huaxia Bank, he had to consider the matter of distinguishing the authenticity of Huaxia coins. Otherwise, irreparable damage will be caused.

As soon as she thought of this, Ji Xiaolan immediately straightened her attitude, recognized Yang Lin's statement, realized that she was in a hurry, and then said solemnly: "Yes, Your Majesty, during the preparation of Huaxia Bank, Weichen will go to the Royal Academy of Sciences and the Royal Academy of Engineering to discuss, deliberate and formulate a plan for manufacturing Huaxia coins, so as to strictly prevent counterfeit and shoddy Huaxia coins." Even if someone wants to imitate it, it must cost him much more than the denomination of Huaxia coins. ”

"Not only that, Premier Ji, but also work with the Police Department and the Procuratorate to formulate corresponding laws and regulations, once a person or organization is found to counterfeit Huaxia coins, it must be a heavy blow, using heavy punishments, and those who do great harm can be punished with death. For those who use fake Huaxia coins, more than a certain amount, will also be sentenced. Once counterfeit Huaxia coins are discovered, bank personnel and police can directly confiscate them and then destroy them. Yang Lin nodded and gave some of his suggestions.

"Yes, Your Majesty." Ji Xiaolan agreed like this, but she muttered secretly in her heart: "It seems that the matter of Huaxia Bank is not a whim of the emperor, but a thoughtful consideration." Otherwise, there would not be such detailed statements and recommendations. ”

Without waiting for Ji Xiaolan to think deeply, Yang Lin's voice came again.

"By the way, Premier Ji, when issuing banknotes, they can be used by the official first, especially the business of the royal family and the imperial court, all of which use Huaxia currency to trade and buy and sell goods. Also, when collecting taxes, only Huaxia coins are required. ”

Hearing this, the originally depressed mood immediately rose, Ji Xiaolan's eyes lit up, and she couldn't help but echo: "The emperor is wise, in this way, it can lay the foundation for the circulation of Huaxia coins." Moreover, the emperor, not only that, when collecting customs duties, as well as the trade taxes between those foreigners and merchants of the Great Guang Dynasty, only Huaxia coins were collected. As long as you stick to it, people all over the world will feel the convenience brought by Huaxia coins. Then, the use of Huaxia coins will become a norm and a habit. ”