(Every day, I ask for some collection recommendations to be motivated to write down...... ）

Most of the people who came to exchange silver coins glared angrily at Lu Chengqi. Pen ~ fun ~ pavilion www.biquge.info but seeing Lu Chengqi dressed gorgeously, some people wittily did not speak, and watched the play on the side. But there are also some people who don't know why, and the sense of justice is bursting with reprimand: "If you want to exchange for silver coins, go to the back and line up." Looking at your appearance, Si Swen should be a reader, don't you even know such big words? ”

Lu Chengqi looked up and saw that the notice posted next to the Royal Bank clearly required to line up in three lines to exchange silver coins. Lu Chengqi said: "I'm sorry, my son thought there was something fun, but it turned out that it wasn't." I'm sorry to disturb you, I'm leaving. ”

The people behind got out of the way, and Lu Chengqi was able to squeeze out of the crowd. Looking at these people who are crazy about silver coins, he feels a little incredible, just like the scene of carrying a sack of money for silver dollars during the Republic of China.

After nearly a month, the official minted silver coins issued by the imperial court are still in full swing, and they are in short supply every day. Fortunately, it is a limited exchange, otherwise no matter how fast the coinage is, it will not be enough for these people to exchange.

In fact, these people who came to queue up are all members of large families, and the Royal Bank also turns a blind eye to this phenomenon. As long as you have your household registration, the Royal Bank will give you money, and you can only exchange three silver coins per person per day.

Of course, as a for-profit bank, Royal Bank cannot do business at a loss. For example, if there are about 850 wen in the market today, then the Royal Bank will have to charge an additional 3 percent, which means that it will take at least 875 wen to exchange one silver coin.

In this way, no matter how much you redeem, the Royal Bank can be regarded as making money. And the money exchange boom continues, because the number of silver coins and copper coins is not equal, silver is expensive and copper is cheap, so even if the Royal Bank increases the exchange ratio by 3%, there is still an endless stream of people who come to exchange.

In the market, one silver coin is enough to exchange for 900 copper coins. Because of the limited exchange, coupled with the value of the silver price itself, the newly minted silver coins of the Dashun Dynasty were full of weight, and the value of the currency remained high.

Even if you have a lot of copper coins in your hand, you may not be able to exchange them for silver coins. The private transactions of high-ranking officials and nobles were exchanged for more than 1,000 yuan of silver coins.

The strange phenomenon is that there are not many silver coins circulating in the market, and the original money shortage places such as Chang'an City, Jiangning Mansion, Jiangling Mansion, Songjiang Mansion, Xingyuan Mansion, Yingtian Mansion have miraculously solved the old and difficult problem of money shortage.

The copper coins stored by the dignitaries were circulated overnight and exchanged for many hard currencies such as cloth and clothes. Lu Chengqi had already received a secret report from the Supervision Department and knew all about these situations.

Sure enough, the world is bustling, all for profit, and the world is bustling, all for profit. As long as there is a profit drive, these dignitaries do not need to supervise, they will automatically exchange the stored copper coins for silver coins, and then hide the silver coins. Chinese people have a sense of crisis since ancient times, and most of them will not let outsiders know about money, and hiding it is the best way. If it really doesn't work, then change it to fertile land and live on the tenant rent. In their view, in good years, money is not as good as good land, and in famine years, money is not as good as grain. In fact, in ancient times, many disasters were worse than natural disasters. How else to say "prosperity, the people suffer, death, the people suffer"!

Royal Bank never does anything at a loss, and the exchange rate changes three times a day. Some people who had been queuing since before the Royal Bank opened, only to be told that the exchange rate had been changed again, and they left the counter in frustration because they did not have enough copper coins with them, so they could only exchange two.

Therefore, these family members have learned well, and they have brought enough money to bring more than a dozen yuan, and they are tired enough to choke enough, just to be able to exchange three silver coins normally. Don't look at a copper coin that is not heavy, if it is enough to exchange a thousand words, more than ten yuan is also heavy.

Lu Chengqi had anticipated this situation for a long time, and specially asked the Ministry of Commerce to carry out a business in the Royal Bank, called a bill of exchange. In fact, the Dashun Dynasty has long had the appearance of rich banks and silver numbers, which is to carry out this business. To put it bluntly, this business is to first deposit the copper coins into the bank or silver number, and then go to another place, find this money bank or silver number, and withdraw the cash through the verification of the banker's bill. This business is very close to the access business of later generations, and it may be a little lacking, but it is not much different.

Most of the merchants who do business in other places like to deposit and withdraw money in this way. Because whether it is silver taels, gold leaves or copper coins, when carried on the body, it is not only heavy, but also easy to be peeped at by thieves.

Although the security of the Dashun Dynasty is not bad, there are always thieves who cut the path near the poor mountains and bad waters. For the sake of safety, the merchant still stores the money and silver in the banker or silver number, and asks the bank or silver number to collect a little money and silver, in exchange for the banker's ticket (also known as the meeting ticket), and put it away closely. When it is time to purchase the goods, the banker will take out the banker and compare it, and the money will return the deposited money.

These bankers have outstanding credit and circulate in the market, which is equivalent to cash, and can be said to be the predecessor of credit currency. And the Royal Bank's money order is also of this nature.

Now there are two powerful money banks and silver numbers in the Dashun Dynasty, one is Baolongyuan money and the other is Zhengtong Yinhao. These two money houses are almost all over the Dashun Dynasty, and even in the bitter cold land of the northwest, there are also semicolons. Lu Chengqi knew that the emergence of the Royal Bank, the business of issuing currency with the country's taxes as credit, would definitely have an impact on their money banks, and he sent officials from the Ministry of Commerce to invite their treasurers to negotiate very early. They also gave them a part of the silver coin exchange business to get for themselves, but they didn't have the floating interest rate like the Royal Bank, and they couldn't make a lot of money doing it.

Lu Chengqi quietly looked at these crazy people who were exchanging money, feeling a little ashamed. If he hadn't studied finance, I'm afraid he wouldn't have come up with this idea to alleviate the money shortage. The ancient economy was not so easy to control, and if there was no economic common sense, it would definitely fall into a vicious circle of minting money and minting money, but the more money was used, the less money was used. When the copper coins are not in circulation, the economy begins to collapse.

This emperor is not easy to be, if you have less knowledge and less experience, you will be deceived by these seemingly loyal ministers. Why did Lu Chengqi establish the Supervision Department, isn't it just to increase his eyes and ears!

At the end of the Ming Dynasty, although Chongzhen had great ambitions, he was shallow and ugly. dedicated to state affairs, the Ming Dynasty still died. At the end of the day, he didn't understand what was wrong with the country he ruled. Jinyiwei and other factory guards couldn't provide him with information, he could only listen to the flickering of the ministers below, and after the ministers fooled the emperor, even he was fooled into believing it. Therefore, Chongzhen killed all the ministers who could govern the country and fight, and the Ming Dynasty died. Xiong Tingbi, Sun Yuanhua, Xue Guoguan, etc., are all capable ministers, and Chongzhen killed them. Chongzhen is also very arrogant, he is in charge of state affairs and wars, he does not know people, he uses people inappropriately, if he is wrong, it is the fault of the courtiers, and he is not wrong as the emperor. When has he ever really reflected on himself?

Lu Chengqi would never learn from such an emperor, obviously he has no strengths, but he thinks he is the best in the world. I want to hire people, but I don't trust others. Determined to kill the evil spirit, but he did not know that there was the greatest evil evil around him. Lu Chengqi dared to say that if Chongzhen was not so "diligent", maybe Daming would be able to survive for a while. After surviving the Xiaoice River period, Daming was still saved.

Lu Chengqi sighed for a while, he had no eyes and ears, he didn't trust the minister, and the emperor was really a lonely person.

Just when he was thinking wildly, Wang Yanchen suddenly said: "Childe, Madame is there!" ”