"Lord Wang, I don't know if you are looking for me or something?" Wang Bin felt that his mission in Xinhua City should be over, so he felt a little strange that Zhao Weiji found him again.

"I don't know what Brother Cultural Relics thinks, what do you think of gold?"

"Of course gold is a good thing, and I don't think there's anyone who doesn't like it."

"If you had to choose one of the gold or copper coins, would you rather use gold or copper coins?"

This question made Wang Bin fall into a short contemplation, which is better, gold coins or copper coins, "I think it may still be gold coins, after all, the value of gold coins is more secure." ”

In fact, Wang Bin's sentence inadvertently said a truth, that is, even if copper coins have national certification, they are still not as good as gold and silver.

And the subsequent history also proves this, that is, when the Ming and Qing dynasties, a large amount of overseas silver flowed into the Central Plains, silver gradually replaced copper coins as the main currency, although the imperial court is still minting copper coins, generation after generation of Tongbao is still coming out, but its importance is far less than before.

"Then in your eyes, Brother Wenwu, what is the form of the combination of gold coins and paper money in Xinhua City?"

This question made Wang Bin ponder for a longer time, and after spending so many days in Xinhua City, he also appreciated this peculiar way of combining gold coins and paper money in the circulation of money.

In his opinion, this method has two major advantages, the first is that gold coins are not easy to depreciate, perhaps there is no such term depreciation in this era, but these merchants who have been rolling in the mall for a long time can more or less experience the phenomenon of depreciation in the experience of business.

In addition to the market factors, there are also private casting factors, and the reserves of copper mines in the Central Plains are much larger than those of gold mines.

Although the copper mines were also controlled by the imperial court, there were always fish that slipped through the net, and these fish would mint copper coins privately to make them enter the market, causing the copper coins to depreciate.

And the most important point is that brass is not a precious metal after all, not only that, but the copper coins minted in the Central Plains are often not pure copper, but alloys mixed with lead or iron, which also causes copper coins to be easy to depreciate.

But gold coins are different, gold is already rare and valuable, and the gold coins minted in Xinhua City are pure gold coins, not mixed with other metals. As a result, the gold itself has considerable value, so it is relatively stable.

However, gold and silver coins also have their own shortcomings, that is, the face value is too large. The face value is too large, which often causes trouble for consumption.

You can't pay someone 1,000 pieces for a dollar of soy sauce every time you buy it, and then let the seller find the money. But paper money solves this problem very well.

Because a banknote has no value on its own, its value depends entirely on its face value. The face value of the banknote can be set arbitrarily, as long as the corresponding amount of gold can be exchanged for the exchange after the specified amount.

In this way, it solves the embarrassment that gold coins cannot be consumed in small amounts, and paper money has a greater benefit, that is, it is easy to carry.

This is an advantage that copper coins cannot match. Moreover, Zhao Weiji also solved the possibility of counterfeiting banknotes and gold coins through the technology he brought from later generations.

With his skills, as long as they were kept secret, no one could imitate the gold and paper money he minted and printed for at least a few centuries.

So since this method has the characteristics of value preservation, convenience, and security, which are extremely important for the currency, then Wang Bin naturally can't find a reason to say that it is not good.

"Lord Wang, your way of adding gold coins to paper money is naturally excellent, but what does this have to do with you coming to me today?"

"I came to you today to discuss with you and promote this set of things in the Central Plains through the network of the Chamber of Commerce. I wanted to build something similar to an exchange in Nakahara, but not as many responsibilities as an exchange. The thing I was going to build in the Central Plains was called Qianzhuang.

I hope to exchange gold coins for copper coins in the Central Plains through the bank, and to promote paper money among the merchant houses of your chamber of commerce. You keep your copper coins with me, and I will give you gold coins, or paper money equal to them. What do you think of the future transactions with gold coins or equivalent paper money? ”

Wang Bin couldn't understand Zhao Weiji's proposal, for these large commercial banks, gold coin trading must be much more cost-effective than copper coin trading, after all, it is much more convenient to use gold coins for large transactions, and it also needs to maintain a lot of value.

The same can be done for paper money, which will only be more convenient if someone can guarantee the value of these notes.

But businessmen always want to make money, and Wang Bin didn't see anything to make money in Zhao Weiji's plan.

In the case of not knowing why Zhao Weiji did this, Wang Bin still decided to ask the reason: "Lord Wang, forgive me for being stupid, I can't see anything where you can make money from the prince's plan, and please make it clear." ”

Zhao Weiji also knew that of course he couldn't show any place to make money like this, so he decided to explain his plan to Wang Bin in detail.

The first is to buy copper coins, of course, there is a way to buy copper coins, and Zhao Weiji is ready to use a foreign exchange method of the bank in the future to buy copper coins.

Later, when banks exchanged foreign currency, there were three prices, the buying price, the selling price and the middle price. The mid-price is the price between buying and selling, and is usually a reflection of fluctuations in international exchange rates. The bid price is the price at which the bank buys foreign exchange from the customer, which is often lower than the mid-price. The selling price is the price at which the customer converts foreign exchange from the bank, which is often higher than the median price. Banks use the difference between buying and selling to make a profit.

And Zhao Weiji is ready to use this method, if a gold coin is worth a thousand mosquito copper coins, Zhao Weiji often needs customers to use 1,000 and 50 copper coins to exchange for a gold coin when buying copper coins.

Don't think that this will scare away customers, many people understand that gold retains its value more than copper coins, and there are too many unstable factors for copper coins, plus the Great Song Dynasty has often fought wars in recent years, so it is often possible for the imperial court to mint new copper coins. So such an acquisition is likely to be accepted.

But there is another point, that is, after all, gold coins are not officially designated currency, so sometimes you still need to use copper coins to pay for some things, so at that time, you can exchange gold coins for copper coins from the bank. However, at this time, one gold coin can only be exchanged for nine hundred and fifty copper coins.

Of course, there may also be people who exchange gold coins, and he will produce more copper coins than money banks. Even so, it doesn't matter, because the gold reserves behind Zhao Weiji are huge, and he not only knows where there is gold near Xinhua City, but he also knows where there is gold in Alaska.

And he also got the mining rights of the Toei silver mine from the Toei Genji, so he has precious metals behind him to support.

Moreover, these copper coins can be used for other things, such as lending, or buying the property needed by Xinhua City in the Central Plains.

In short, because the purchase price is lower than the middle price, Zhao Weiji makes money no matter what.

And of course, you can also make money by providing banknotes, that is, the model of the later ticket number, you deposit money with me, I will charge some small handling fee.

After Zhao Weiji's explanation, Wang Bin understood that there are many places where this money bank makes money, as long as it can be operated well, it can even be described as a rolling financial resource.

But in fact, there is another aspect that Zhao Weiji did not tell Wang Bin, that is, he intends to use gold coins to impact the existing monetary system of the Great Song Dynasty, so as to achieve the purpose of controlling the currency issuance rights of the Great Song Dynasty.

Legendary businessman Meyer Rothschild once said that as long as I can control the currency distribution of a country, I don't care who makes the law. Once a large number of gold coins were in circulation in the Great Song Dynasty, the Great Song Dynasty, which did not have a large amount of gold reserves, had only a few options, or minted a large number of new copper coins to fight against the gold coins. However, doing so will accelerate the depreciation of the copper coin, which will lead to the complete collapse of the copper coin. Otherwise, the legal status of gold coins will be recognized, but in this way, the right to mint currency will be controlled by Xinhua City, and when the Great Song Dynasty cannot relieve the financial pressure by minting coins on its own, the lifeblood of the entire country will be controlled by merchants. Or there is another way, that is, the Great Song Dynasty consumes a large amount of copper coins to buy these gold coins, but in this way, a large amount of national treasury will be consumed, and this may also lead to the result of the first option, that is, to make up for the emptiness of the treasury to mint a large amount of new money, and then lead to the collapse of the copper coin system. Of course, the Song Dynasty could also ban the circulation of gold coins, but you can't stop the people from loving gold. In addition, if the Great Song Dynasty banned the circulation of gold coins, then a large number of copper coins would be needed again, so that Zhao Weiji's bank, which held a large number of copper coins, could make a lot of money again. Therefore, as long as the scale of the gold coins is huge enough to support the circulation in the market, Zhao Weiji is completely invincible in the struggle with the Great Song Dynasty. "What do you think of this? If you are willing to promote in the Chamber of Commerce the money bank that I am about to set up in the Central Plains, then I can let you own a certain share. After fully understanding the money-making prospects of the bank, Wang Bin still had no reason not to agree, so they reached an agreement, Wang Bin helped the money village to promote in the chamber of commerce, and the transactions in the chamber of commerce in the future will be settled through the bank. And Wang Bin also accounted for one-tenth of the shares in the bank. So when Wang Bin returned to the Central Plains this time, in addition to bringing back two steam engines, he also brought back a few people and more than a dozen boxes of gold coins. And these people will take advantage of the temporary instability brought about by Zhao Guangyi's death to impact the monetary system of the Great Song Dynasty.