With the opening of various things, a special business department has been established, and an important department such as Qianzhuang also needs to start making appropriate policy adjustments.

Now the money in Xuzhou is divided into two non-divided, in the state of Pengchengguo is used paper banknotes, in the Pengcheng outside the place is more mixed, some places Pengchengguo banknotes can be used, such as Xiapi Guozhi Xiapi and other cities will accept banknotes. However, due to the lack of gold reserves in Pengchengguo, there were not many banknotes with hairstyles, so gold and silver and other goods were basically used for trading outside Pengcheng.

Gold and silver as coins, extremely inconvenient to carry, and easy to be remembered by thieves, the success of Pengchengguo banknotes in the past two years, so that many nearby cities have begun to slowly accept paper money. However, Guangling, Suzhou County, Donghai County, and the newly attached Shanyang County and Xiapi Kingdom were not circulated.

Merchants had nowhere to exchange their banknotes for silver, so they were worried. Holding paper money and silver scrolls, there was nowhere to exchange them, so many merchants had to exchange them for gold and silver in addition to Peng Chengguo and then go to other places to continue trading.

In March, in order to reform the money village, better concentrate the treasures of the whole Xuzhou into the hands of the central government, and then use it to make greater investment. At the same time, in order to better facilitate businessmen, Tao Ying summoned relatively large paper merchants, salt merchants and other traders from afar in Taoling Town, and invited Zhang Zhao of the Ministry of Government Affairs to discuss.

After half a month of discussion and improvement, in late March, Tao Ying began to reform the Pengchengguo banknotes and silver bills. According to the merchants' request, they wanted to exchange silver tickets in all the major cities of Xuzhou, so Tao Ying decided to set up a new money bank.

It always feels very earthy to call Qian Zhuang, so Tao Ying decided to change him to the most popular name in his world - bank! At the end of March, on the basis of Pengcheng Qianzhuang, Tao Ying established the first bank in Xuzhou and even in the Eastern Han Dynasty - Xuzhou Central Bank.

The central bank has a president, and the main task of the central bank is to produce and exchange silver bills. After the establishment of the central bank at the end of March, Pengcheng Bank cancelled its operations, and the silver bills previously sold were still available. After the establishment of the central bank, it began to issue a unified bank bill that was common to all Xuzhou.

There are six types of silver tickets: one tael, five taels, ten taels, fifty taels, one hundred taels, and five hundred taels. Because in this age there are not only silver, but also copper coins. Compared with silver taels, copper coins are heavier, and if you need to buy a more expensive thing, you need more than a dozen catties of copper coins to resist on your body.

Therefore, in order to solve this problem, the central bank issued silver bills in denominations of 10 yuan, 50 yuan, 100 yuan, and consistent money.

In addition to being responsible for the production of silver bills, the central bank is also responsible for the exchange of silver bills. The central bank of Xuzhou is located in Pengcheng, Xuzhou, and has a branch in each county under it, and the task of the branch is to exchange silver. Merchants can exchange silver notes at any central bank's subordinate bank, or they can exchange silver for silver notes at any bank.

And these are free exchanges, and in order to solve the salary problem of bank employees, the central bank only charges a small exchange fee when exchanging silver bills. Now the function of banks cannot be as powerful as that of later generations, but when giving banks rights, Tao Ying gave them the function of remittance.

For example, if you are a merchant in Xudu, Yanzhou, and you are afraid that you will be attacked by gangsters when you go to Pengcheng to buy things with thousands of taels of silver, you can mail the money through Tao Ying in the Yanzhou branch. The Yanzhou sub-branch will issue a postage slip, and you can go to the bank where you mailed it to withdraw money.

The postage slip is divided into two parts, one for the mailer and one for the bank to deliver to the bank in another place. At that time, you can take the signature and press the cashier's receipt to go to another place to withdraw the money.

However, when withdrawing money, you need a password, the password is set by yourself, and then written on the bank's documents.

This is a function equivalent to a dart game, and another is the remittance function. For example, if you are doing business in other places and making money, and you want to mail some money to your home in Xuzhou in advance, you can write the address you want to mail and then who will collect it, and then the money will be mailed to the designated home through the bank, but the same mailing fee will be charged.

These are some of the payments that the bank does by the way. Another task of the central bank is to save money and buy government bonds. The way to save money is also very simple, keep it in the central bank, it will keep it for you for free, and it will also pay you interest. This will help the bank absorb more money to support other aspects of construction.

The depository bank will give the bill, which is still two documents, and the depositor will remember the password himself, and at the same time write it on the bank's receipt. When it's time to withdraw your money, you can go to the place where you saved it.

Treasury bonds are a kind of fund specially issued by Xuzhou, for example, Xuzhou wants to build a fertilizer factory, but at this time the treasury is empty and there is no money to build, Xuzhou's wealthy families can buy fertilizer factory bonds sold by the fertilizer factory through the central bank. The interest in the national debt is relatively high, and after the fertilizer plant is opened, the money won is used to repay them, and at the same time pay the interest promised to them.

It's a great way to kill two birds with one stone.

After more than a month of preparation, the establishment of the Xuzhou Central Bank was announced in Pengcheng, and the time soon came in April. The Central Bank of Xuzhou was established on the site of Pengcheng Bank, and in order to meet the exchange needs of merchants from all over the world, the central bank took the lead in opening branches in major cities in Xuzhou.

A total of nine branches were opened in Xuzhou. opened the Juye Branch of the Central Bank and the Changyi Branch of the Central Bank in Sanyang County; Tancheng branch of the Central Bank was opened in Tancheng, Donghae County; Opened the Xiapi branch of the Central Bank in Xiapi country; The Guangling branch of the Central Bank was opened in Guangling County, and there were many merchants on the Yangtze River, and the Jiangdu branch of the Central Bank was opened in the capital of Guangling River.

After crossing the Yangtze River and opening a branch of the central bank in Suzhou County, after thinking about it, the magistrate of Qiantang County wanted to take refuge in himself so much, Tao Ying was also preparing to open a branch of the central bank in Qiantang, so that it would be convenient for him to do business with Wang Lang and Sun Ce and others, and it would also be convenient for him to promote his own currency.

After the establishment of branches, with the continuous development of the economy, when the factory expanded from a generation along the river to a place not along the river, where the economy was raised, the local branch of the central bank could open a branch of the central bank there. For example, if Wuxi City, Suzhou County, soon becomes an economic center, and there is an endless stream of businessmen who need to remit money or exchange a lot of money, the Suzhou branch of the central bank can set up a branch of the central bank in Wuxi.

At present, these money banks are all set up in Xuzhou, and the enclaves of Bianjing and Qingdao have not yet been set up. Because Peiguo is close to Pengcheng and there are Liu Bei and others stationed, he will not consider setting it up for the time being.