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Originally, when the bank was formally established, the voucher with the same function as the banknote was produced, but this voucher also had the function of currency, which was printed with a denomination marked with one tael, ten taels and a maximum of fifty taels, and the small ones were ten cents, twenty cents, and fifty cents. However, this voucher has only been used in the Wangfu's industry, and all workers in the Wangfu's industry can take this voucher to the Wangfu's store pù to shop, and they can get a 20% discount, so that they can quickly drive others to use this voucher. This thing is extremely common in later generations, and the circulation of vouchers of such denominations must be better than piles of silver.

Originally, in Fujian alone, there were 200,000 people who directly relied on Geng Jingzhong to eat alone. At that time, there were 62,000 people in the Mawei Army alone, and there were nearly 5,000 of the various military workshops combined, which were those mines, mainly two gold mines and accompanying copper mines, and three iron mines, and the number of workers directly reached 100,000. If we add the family members of these people, according to the calculation of a family of three, the number of people who rely on Geng Jingzhong or the financial support at this time has reached more than 600,000, more than one-tenth of the population of Fujian.

Now it's different, Guangdong has also been included under Geng Jingzhong's rule, Jiangxi and Zhejiang have also taken nine prefectures combined, and the army is still expanding, so there are more people who rely on the metropolitan governor's mansion or finances to eat. Originally, the Qing court also gave 4.5 million taels of military spending every year. Now I don't have a penny. Most importantly. Various prefectures and counties have been on a construction spree. All the money spent is gone to the sea. It can be said that the money Geng Jingzhong is going to spend now directly exceeds that of the Qing court and Wu Sangui. Of course, if the two of them were also engaged in infrastructure construction, Geng Jingzhong would not be able to compare, but do the two of them have so much silver? Apparently impossible.

It seems that so many people use vouchers at the same time, and Geng Jingzhong has indeed gradually recovered some silver dollars or silver ingots, which can be used for emergencies. For a long time, the 10th day of the first month of each month is the day when the Mawei Army and various workshops pay their salaries. After the official introduction of the voucher system, the Metropolitan Government stipulated that all employees could choose silver dollars as wages or vouchers. However, employees who choose a voucher can enjoy a 20% discount when using the voucher. In other words, for the same month's salary, people who choose vouchers will suddenly pay 25% more than others. Although the workers could not calculate the exact percentage, they knew that they could take advantage of it. Therefore, at the time of the first issuance, it was considered a smooth lì, and about 20% of employees chose the voucher. Now this voucher has been used for more than a year, and this voucher has also been circulated smoothly, but it still has not been circulated to the whole of Fujian. Not to mention Guangdong Province......

After all, the use of silver is the mainstream. The whole country is in silver, and it's really difficult for you to change it all at once. Now under Geng Jingzhong's rule, although there are basically no silver ingots, which can be regarded as progress, Geng Jingzhong's preference is not the silver standard, but the gold standard of later generations, which is where the trend of historical development lies. What we are doing now is just paving the way for the implementation of the gold standard system in the future.

Silver coins completely replaced silver ingots, and this progress also made the credibility of the royal silver coins already established in the past few years. Although now when the mint is minted again, it is no longer the Jingnan Palace, but has become the Metropolitan Governor's Mansion, but no one pays attention to these details, and the silver coins are still used as usual. The common people used silver coins to trade in the daily market, and from the beginning they were not forced to use them by the common people or merchants. Until now, the whole people have accepted the silver coin, and Geng Jingzhong is also very happy.

There is still a difference between a voucher and a real currency, and the scope of her circulation is very different, and the voucher is of course far from being comparable with the real currency. Fortunately, now that the banking business has been carried out in the prefectures and counties under Geng Jingzhong's rule, as long as his reserves are sufficient, then he does not have to worry about the currency issued by him not being circulated. This time it is bound to make its currency sweep the entire South,

In the hall, Yao Qisheng, Miao Quanchen, Chen Menglei and other important members of the Ministry of Government Affairs were sitting in front of Geng Jingzhong at this moment. After listening to Geng Jingzhong's words, they all fell silent and were silent for a long time. My head is thinking quickly about the feasibility of this plan, but even thinking about it from the moment, there seems to be nothing impossible. After thinking about it for a long time, several people only started a discussion on how to issue it, and did not stop this matter.

Geng Jingzhong is ready to start with the Fujian Development Bank, first issue it in Fujian Province, and then lay it out in other places, and besides, this currency issuance is only the easiest and most supportive in places where he is fully controlled, and the control in other places is still poor, and the resistance will definitely be much greater. After discussion, in the end, Geng Jingzhong's set of plans was recognized by everyone, in fact, this is not Geng Jingzhong's plan, the ready-made coin circulation methods in later generations, all countries are the same, just move over and use it directly.

In the end, it was decided that the Fujian Development Bank would issue a new type of banknote instead of a voucher. It is common throughout the province, and the original vouchers can still be used, but the printing is stopped. In other words, the vouchers used internally will no longer continue to be printed, and they can be regarded as antiques after tens or hundreds of years. Nowadays, the new coins are all small denominations, with six kinds of change coins, including five jiao, two jiao, one jiao, five cents, two cents, and one cent, and in addition, there are also banknotes from five jiao to one cent. This cent now represents a penny, and the five corners are, of course, fifty cents.

Because one silver dollar still roughly corresponds to one thousand copper coins. Therefore, the Fujian Development Bank also issued a small banknote representing a penny of copper coins. In the future, I will not continue to issue copper coins in these places, and I will continue to recycle copper coins. The recovered copper coins can be recycled and reused into copper ingots for other purposes in the future, and the biggest use is of course to make copper cannons.

As for the banknotes that banks are preparing to issue now, don't look at the small denomination of this change and banknotes. But the use is very great, for example, when the people want to buy a small item for daily use or buy vegetables, it is really inconvenient to hold a bunch of copper coins, even the previous silver horn is equal to two hundred Wen. The largest denomination in circulation in the market is a large silver dollar, and now the value of two large silver dollars is the monthly food cost of a family of five living in Fuzhou City!

As for the name of the banknote, Geng Jingzhong began to shamelessly plagiarize again, and the blatant plagiarism is called RMB! The hue of the renminbi is red, supplemented by other colors. We Chinese, or Geng Jingzhong, like red, so many things in Fujian have become red, after all, red symbolizes wealth and festivity. With the experience of printing vouchers, it is also very simple to print new banknotes, and after three days of layout, the new thing - banknotes can be printed in only one afternoon. The size of this banknote is similar to that of later generations, with two types of characters indicating the amount on the left side of the obverse, Arabic numerals and Chinese capitalized Chinese characters, of course. As for speaking Manchu and other languages, let's put it aside!

On the right side of the banknote is Geng Jingzhong's own governor, as for the back of the currency is a unified map of thousands of miles of rivers and mountains, both sides are marked with the words of Fujian Development Bank, in addition to the currency code and anti-counterfeiting watermark. Of course, the beauty of this banknote is far from being comparable to that of later generations, but it is quite advanced for this era.

If Geng Jingzhong hadn't become the governor of this capital, then he himself could have become the top scientist of this era, after all, the knowledge he learned was far beyond this era, especially the chemical expertise he learned in college, and it was completely just right to apply it here! Printing banknotes is extraordinary, and it certainly can't be printed on ordinary paper. Ordinary paper is made from wood or grass fibers. The banknote paper Geng Jingzhong is very clear that it must be made of cotton, cotton linters and high-quality softwood chemical pulp and other complex production processes, and finally make the banknote paper have the advantages of high quality, high tensile force, folding and wear-resistant, and not easy to deform and not easy to break when soaked in water.

Moreover, this kind of paper should not be easy to burn when it encounters an open flame, just like the banknotes of later generations, when it encounters an open flame, it only smokes and burns without fire, and only with these characteristics can it be printed with confidence. For later generations, the technology is advanced, and many countries' banknotes will also add some characteristic fibers to show their "personality". For example, the banknote paper of the later Wa Kingdom was mixed with a small amount of straw fibers, and some countries added chemical fibers, metal fibers, and some countries used plastic or synthetic paper to print banknotes. But right now, when Geng Jingzhong asked for the voucher to be printed, the paper was made many times under his personal guidance, and others just wanted to imitate it, hehe, without his technology, it can only be delusional!

How many people in this era can imagine the anti-counterfeiting mark on banknotes? The particularity of banknote paper is also reflected here, such as adding watermarks, security lines, optical markers, fluorescent dark marks, etc. on this paper, according to the technology of this era, the most typical thing that can be added is the watermark, as for the other secret marks, there are also several kinds of them, there is no worry that someone will make counterfeit money, otherwise it will be easy to be identified, after all, Geng Jingzhong's technology is stronger than anyone else, and others do not have that level at all! (To be continued......)

PS: There is one more chapter