Hearing that Tang Yi was able to drum up 30 million yuan, the three elders were not happy, but shocked and deeply worried. The pen & fun & pavilion www.biquge.info looked at each other, and let Zhang Juzheng, who knows the economy best, talk to Tang Yi.

"Yuanfu, it has been less than two years since Hesheng Yuan was run on and closed, is it appropriate to issue currency again? Besides, as far as I know, Hesheng Yuan is a one-cent mortgage, and five cents of silver dollars and bank bills are issued, and Yuanfu suddenly increases to ten times, lest I can't bear it! ”

In the era of the gold and silver standard, in order to issue currency, there must be sufficient reserves, according to the experience of Hesheng Yuan, a deposit of 100 taels of silver, about 500 taels of bank bills can be issued, that is, an enlarged ratio of 1:5.

There is a full four times the huge profit here, and if you print a few pieces of paper, you can turn it into real silver, and it is also because of the depth and calculation of the Jin merchants, and it is too tempting to jump in without hesitation.

However, Jin Shang failed, Tang Yi played bigger than Jin Shang, and no one had a score in his heart.

"If it fails twice in a row, Daming's financial system will be devastated, and it will collapse from then on, but I am afraid that it will not be able to recover in a few decades." Zhao Zhenji said worriedly.

Gao Gong also spoke, "I think Shoufu should have a plan, can you tell the truth?" ”

Let's stop playing tricks, the world can't afford to toss.

"Dazhou Gong, Zhongxuan Gong, Brother Taiyue, I know your worries, if you don't have enough courage, I don't dare to come nonsense. In fact, if you want to maintain the credit of Daming Savings Bank, it is not difficult, as long as one move! ”

"What?" The three of them said in unison.

"Deposit the silver of the imperial court in the bank!"

……

Outside the front gate of the capital, the front gate street is full of lights, Daming Savings Bank, full of friends, and winning friends like clouds. Compared with a year ago, in order to cope with the crisis, it was hastily established, and it was much more lively.

Wu Tiancheng was wearing a three-grade crown belt, standing at the door, greeting the guests, his face was stiff with a smile, his mouth was dry, and his tongue was dry, but his heart was beautiful with snot bubbles.

Since taking over the mess of Heshengyuan, although he has obtained a lot of property from the hands of Jin merchants, it is not enough to have things alone, what the bank needs is liquidity, and it cannot absorb silver, and all parties run on it from time to time, and they are taking out money every moment, opening up the markets of Annan and North Korea, which is the first step to go out, but it can only achieve a balance of payments.

Seeing that the silver in the warehouse is getting less and less, Rao is family of people in the transportation industry has a deep background, and he can't bear it.

If you don't make money by opening a bank, what are you doing?

Wu Tiancheng faced questions from all sides, and his head was about to explode, but fortunately, everything has changed since the gold and silver inflow of the Japanese Kingdom.

"In fact, the gold and silver stock of the Ming Dynasty is not too small, as long as it can be flowed, it is still enough to support. Now the problem is that you can't raise it with confidence, and this amount of silver is the heaviest weight, and with the source of living water, everything will be fine. ”

"Isn't that too little?"

"It's not a lot at all, the pass is to make the big guy think it's there." Wu Tiancheng boldly explained.

Zhang Juzheng couldn't help but be angry, this guy and his master have the same virtue, the major affairs of the court, can you let you do nonsense? In case of a business trip, the yamen will follow suit!

"Zhang Ge Lao, credit currency, it's just such a thing, if it's true, it can be exchanged for real money, he is real, if it's fake, it's just a piece of paper, but no one can do without it. If you always say, 'What if', then things in this world will not be done, at least the lower officials dare to say that this time the risk is much smaller than that of Master and your Longqing New Deal......

Wu Tiancheng was in charge of the Daming Savings Bank, and the imperial court rewarded him with three grades of black yarn, although he was two levels lower than Shangshu, and he couldn't be compared with the cabinet elders.

But Wu Tiancheng knew in his heart that from now on, he would be the king of Daming Finance, and the civil and military forces of the Manchu Dynasty, and even the royal family would have to look at his face.

If you want to say that there are still people in the world who make Wu Tiancheng jealous, then only Tang Yi is left.

Golden power, imperial power, and phase power, this is hand in hand!

Wu Tiancheng swears, Zhang Juzheng is proud of his identity, and he doesn't want to fight, hearing is false, seeing is believing, let's see what can be done, right?

As soon as I drank two sips of tea, I heard someone arguing outside.

"Your Excellency, please go out!"

Wu Tiancheng smiled and bowed his hand to Zhang Juzheng, and came outside, only to see Wang Guoguang, the head of the household sitting in the middle, with wealthy businessmen in Beijing on both sides, and friends from the south and north of the world.

Seeing Wu Tiancheng come out, someone immediately asked: "Lord Wu, we just looked at your bank's silver dollar, and it seems that the condition is worse than the original 'Guan Yuan'?" ”

"That's right." Wu Tiancheng agreed, "This time, the silver dollar contains only seventy percent of the silver, and the rest is copper." ”

Yes!

Less than one out of seven?

You're too dark, aren't you?

"I said Master Wu, Guan Yuan is ninety percent silver, you are too much, too watery!"

Other businessmen also followed, shaking their heads and sighing, to say that ninety percent of silver, after all, it is not easy to make, plus the exchange is convenient, Guan Yuan is fair, but the silver content has dropped to seventy into three, it is simply a bright robbery!

Facing the questioning gaze, Wu Tiancheng smiled and said: "Everyone, do you want to eat or drink with the silver dollar, seventy percent, ninety percent, is the difference really that big?" ”

"So, why isn't that big?"

"Hahaha, Zhugong, you must have read the third book of Tang Xue, but it's a pity that you haven't learned it. This silver dollar was issued by the savings bank, recognized by the imperial court, and you take the silver dollar to pay taxes, and this yuan is one tael! ”

Wang Guoguang said: "That's right, from now on, the imperial court will collect taxes and make payments, and all of them will be based on silver dollars. From now on, the word 'two' is only a calculation of weight, and has nothing to do with currency. ”

Everyone sighed for a long time, and some people did read Tang Xue very clearly, currency is just a medium of exchange, in fact, it is a big thing or a small thing, it is a square or a circle, there is no difference, but gold, silver and copper are widely accepted, and it becomes currency.

Of course, there are also people who can't get around the corner, they think that the silver dollar is just not worth as much as silver.

Wu Tiancheng didn't bother to deal with them, why did he reduce the silver content, in fact, this was the result of careful discussion between Tang Yi and Wu Tiancheng.

Although the Hesheng Yuan failed, the Guan Yuan they issued was still able to circulate, and when the crisis broke out, many people rushed to store the Guan Yuan, and in their opinion, the Guan Yuan was not much different from the actual silver.

The value of money lies in circulation, and if you want to completely expel Guan Yuan and achieve unification, it is not to cast silver dollars better, which will only attract more collectors, but to do the opposite, use bad money to drive out good money, and completely drive Guan Yuan and silver out of the market, and reduce the content of silver, which has become the simplest and most effective means.

Of course, it can't be reduced indefinitely, and three out of seven is the most appropriate ratio to be calculated, which can not only get more seigniorage, but also not let the silver dollar collapse.

"Ladies and gentlemen, today is the day when the silver dollar is officially issued, and the silver you deposited before can still be used, but from now on, the silver deposit will be denominated according to the silver dollar."

Why don't you rob it?

These people are scolded in their hearts, anyway, the original deposit remains the same, and they will not do business with Daming Savings Bank in the future! Look at your appearance, the rabbit's tail can't grow, it's better to be Heshengyuan!

The big guys were all thinking about it, Wu Tiancheng smiled faintly: "Princes, if you are willing to exchange the silver for silver dollars now, there is a premium of 20%, there is no such shop in this village, don't blame the little brother for not reminding you!" ”

"Thank you Lord Wu for your kindness, we can't afford it."

This group of people snorted, came out of the bank, shook their heads, and were about to leave, when they suddenly saw a long team of carriages, from far and near, and the person in charge of escorting it turned out to be Lu Yi, the governor of Jinyiwei.

He rode on a tall horse, and when there was no one around, he arrived at the door of the savings bank, and said in a loud voice: "Come and deposit the silver by the emperor's order!" ”

Someone inside soon took Lu Yi in.

The merchants outside were dumbfounded, the emperor ordered ...... Could it be that the emperor also deposited silver in this? They were so shocked that they almost dropped their jaws, and Lu Yi escorted a total of 200,000 taels of silver into it, exchanged it for 200,000 yuan, and deposited it into the royal special account.

As soon as he left, Fang Feng, the left servant of the household department, also felt that his convoy was more, and the household department deposited 380,000 taels of silver, which was transferred to the account of the Daming Savings Bank.

The number is not very much, compared to the value of these businessmen, but the statement of the household department made everyone startled, from then on, Daming Savings Bank as the only official bank, full-time management of all levels of yamen accounts, from then on, all more than 100 yuan of payment, all must be through bank transfer, not private.

Officials are greedy for ink, which has always been a big problem, Zhu Yuanzhang made a lot of human skin pillows, high arches and strict punishments, and the effect cannot be said to be too good.

Tang Yi also does not have the ability to eliminate corruption in ink, but he feels that through some restrictions, the cost of corruption can be increased, making corruption more difficult.

For example, large expenditures must go through banks, so officials at all levels must first fight with the banks if they want to intercept corruption. And it's much easier to investigate than to get a phonograph...... For this alone, Tang Yi received the full support of Gao Gong and Zhao Zhenji.

Of course, the merchants don't go after the silver dollar because of this, they still think it's a trick.

But it doesn't matter, no, after the silence of the first day, on the second day there were many small merchants and peddlers, hurrying to the bank counter with the silver.

After a while, they got a brand new passbook, the first three deposits of silver, can be a premium of 20%, the bank annual interest of 5 cents, if 100 taels of silver, deposited in it is 120 yuan, at the end of the year, they can also get 6 yuan of interest, a total of 126 yuan.

What if it doesn't exist? The imperial court levied taxes, denominated in silver dollars, and if the silver was given, they would also collect it, but if it was recast in the furnace, it would be necessary to pay an additional five percent of the fire consumption silver!

One in and one out, the difference is 30 yuan, 30 percent! How many people can earn so much in a year with a small business?

Regardless of his silver dollars and silver, the official family will use whatever he says!

The crowd rushed to the bank...... (To be continued.) )