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The Sihaizhuang ticket pinched in Zheng Kezang's hand is actually a multi-layer adhesive paper with a length of five inches and four minutes and a width of two inches and seven minutes, and its background color is peach, which looks very festive.

In the upper right corner of the front of the banker ticket is a small seal in Yin, which contains four small seal characters of "Sihai Qian Zhuang".

On the side of the seal is a line from right to left, written in block letters, with six slightly larger characters "Qin Ming Zhao Zhun Xing".

At the left end of the regular script are two small and staggered printing of the royal flag of Lan (Ming) Huanglan and the Chinese flag of Lan (Tu) Huanglan. Under the national flag is written from top to bottom "Worth the cash silver twenty runs" several official scripts, and on the right side of the official book is a summer army clipper ship that is cleaving the waves and rushing quickly. The zenith of the clipper, near the small seal, was the rising sun, radiating endless light. At the bottom right of the clipper is a 12-character code that is used for anti-counterfeiting identification.

Turn over the banker's ticket, the first thing that catches your eye is a series of official seals stamped on the orchid shading, from right to left are "Duzhi Yamen Main Hall", "Mint Division Seal", "National Treasury Department Seal", "Salt and Iron Yamen Main Hall", "Taxation Department Seal", "City Ship Division Seal". At the top of these six great seals of the yamen there is also an admonition: "It is admonished by decree to know: all forgers are on the margins."

The lower end of the big seal is symmetrically printed with the small block of "Wucheng six years of the first month" and "the four seas and the sea two exchanges".

Although this banknote is still very rough in Zheng Kezang's eyes, it is not at all like a banknote from another time and space, but at least it is a new beginning, symbolizing that Huaxia has taken the first step from physical money to credit money.

The critical first step is naturally not to make a mistake, so Zheng Kezhang carefully asked: "How much silver is there in the two numbers now, and how many bankers have been put by the manager?" ”

"Back to the Holy Lord," Cheng Zhonggao, Minister of the Interior and Minister of the General Office of the Manager's Office, reported on behalf of the two governors of the Qian Zhuang beside him. "Now the total number of Sihai Qianzhuang is 1,475,205 and 377 Wen, and the total number of Tonghai Qianzhuang is 1,098,425 and 505 Wen, all of which are long-term silver deposits of more than three years, and other semicolons are not included for the time being because they fluctuate from time to time." Cheng Zhonggao paused. "According to this, the manager's office is ready to travel 1 million tickets for the four seas in three years, and 800,000 tickets for the sea in four years."

"Too much at first, then too cautious." Zheng Kezhang shook his head again and again. "Come on, call Zhuo Jincheng." After a while, the meeting office of the warehouse came in a hurry, and Zheng Kezhang asked. "How much silver is there in the inner treasury now?"

Zhuo Jincheng swept away Cheng Zhonggao and the two governors of Qianzhuang, and only after a few turns did his mind slowly report: "So that the saint knows that there are now 673,425 and 554 yuan of silver in the inner treasury, and according to the situation of the last three years, about 110,000 yuan of silver can be added every year." ”

The inventory in the inner treasury is naturally more than these, not to mention anything else, during the Japanese campaign, most of the more than one million pieces of gold plundered from Japan fell into the hands of the Chinese royal family, and ninety percent of them were collected and stored by the inner treasury, so Zheng Kezang's private money was actually more than the silver deposits of the two major banks. However, Zheng Kezhang just asked about the amount of silver deposits, and Zhuo Jincheng naturally didn't need to answer anything else.

"670,000 guan, then it adds up to more than 3.2 million guan." Zheng Kezhang made a rough calculation. "In this way, the manager's office will issue a total of 200,000 yuan per year, and if there is a run, it will be guaranteed by the inner treasury."

200,000 guan doesn't sound like much, but Zheng Kezhang didn't stipulate a time limit for the date, which means that it can go on like this every year, and it doesn't matter if it's ten or twenty years, but after 30 or 50 years, this banker ticket may not be able to fully redeem huàn, so the three people in the manager's office all showed a bitter look.

Zheng Kezhang smiled when he saw it: "Why do you think I will break my word and get fat?" ”

It was Zheng Kezhang who took the lead in advocating the need to maintain the government's credit, so he naturally would not squander the credit of the royal family at will: "After a few years of the banker's bills, I will arrange for the Duzhi Yamen to use half of the cash and half of the banker's bills when the officials' salaries are paid. ”

The answer is no, officials are the largest consumer group, once the officials start to use the banknotes, then the day when the banknotes will become banknotes is not far away: "In addition, I will also arrange for the Yamen to transfer the taxes and taxes from all over the country to the two major money banks, and at that time, as long as the banker notes are given as a voucher, can the credit of the bankers be guaranteed??????

Leaving Zheng Kezang's outer study to deal with government affairs, Cheng Zhonggao sighed to his peers around him: "The Holy God will grant ?????? tomorrow"

Cheng Zhonggao's sigh was not over, and Zhuo Jincheng on the side interrupted: "Lord Cheng, the benefits of the banker's ticket are indeed correct, but the risk is now shared between the inner treasury and the manager's office, in this case, the distribution of benefits is ??????."

Cheng Zhonggao smiled bitterly and said: "Lord Zhuo, what the manager earned, will it not be the same in the end and be remitted to the inner treasury?" ”

"It's different." Zhuo Jincheng didn't eat the other party's set. "In the past, the inner warehouse did not have to take risks."

"Listening to what the saint said, there is no risk in making a banker's ticket." Xiao Guoying, the manager of the Xiangban Office and the general manager of Sihai Qianzhuang, interjected. "Don't look too ugly in the inner warehouse."

"Lord Xiao, why do I hear this so harshly, I have the ability not to let the inner treasury clean up for you."

"Master Zhuo, don't be angry, be angry and make money." Dongmen Hua, the general manager of Tonghai Qianzhuang, who is also the manager's office, glanced at Cheng Zhonggao and Xiao Guoying. "Who doesn't know that the inner treasury is the real rich man, so let's do it, the manager can negotiate to give more and a half percent of the benefits to the inner treasury, but Lord Zhuo, you honestly tell my little brother to spit out, how much money is in the inner treasury?"

"It's not that Lord Dongmen doesn't know the rules, but he came to ask this official what is going on in such a palace?"

Dongmenhua explained to Zhuo Jincheng and two colleagues who were also puzzled: "Xiaguan is thinking, since the saint agrees to put 200,000 Zhuang tickets out a year, since Zhuang tickets are profitable and lossless, it is better to put a little more, 300,000, this benefit will be greater." ”

Xiao Guoying frowned when he heard this: "Brother Dongmen, you are too bold, in case of a run, it is a trivial matter to lose the capital of the bank, but it can ruin the credit of the Holy Lord, it will be a catastrophe that cannot be redeemed." ”

"It is precisely because of this in case that the inner treasury must come forward to deal with the run at a critical time." Dongmenhua said. "That's why the lower officials want to inquire about the bottom of the inner treasury from Lord Xiao."

"That's right." Zhuo Jincheng smiled with relief. "It is inconvenient for me to say the bottom of the inner treasury, but I can tell several adults that according to the Chinese New Year's Eve and 30,000 village tickets, the inner treasury can support it for a while, but if you really want to act like this, then the interests of the bank, let alone give the inner treasury a percentage."

"One is too much," Cheng Zhonggao denied. "Brother Zhuo still don't want the lion to open his mouth, after all, it's just in case, and it can't appear often, or even once, so it's more appropriate to have five cents??????"

The two sides simply didn't go back to the inner court, and directly found a room to discuss the above issues, and before the two sides could finalize a final number, an inner servant hurriedly came: "I said Lord Zhuo, turn around and run here, so that our family is hard to find, hurry up, the Holy Lord has summoned you to meet again." ”

Zheng Kezhang summoned Zhuo Jincheng again? This news made the four people present suffer a little, so they agreed to wait for Zheng Kezhang to meet in person, and only renegotiate after the matter did not change, so Zhuo Jincheng went to see Zheng Kezhang again.

The thief is difficult to prevent, Zheng Kezhang didn't expect that the people below would start to use the inner treasury to make profits, so he looked for Zhuo Jincheng to take care of a related matter: "I forgot to take care of you just now, once the manager's banker is gone, the inner treasury will throw out the deposit money year by year and absorb the deposit." As for the degree and reward in the palace, it is better to switch to the banker's ticket, which can be regarded as supporting the manager's office. ”

Zhuo Jincheng understood the purpose of throwing out the deposit, nonsense, who would have to have a large amount of silver in his hand with a portable banker's ticket, but absorbing the deposit made Zhuo Jincheng a little confused, but he didn't dare to guess at will, just responded: "The minister understands." ”

Back in the inner treasury, Zhuo Jincheng was still thinking about this problem, and seeing that the master of the meeting was a little distracted, Liang Yi, the eunuch who helped with the treasury on the side, asked casually: "What is the matter with the Holy Recruit Zhuo Gong, why did you see that Zhuo Gong didn't think about tea and dinner after he came back?" ”

The eunuchs of the Wucheng Dynasty were suppressed very badly, and only the internal officials were in charge of the various offices of the inner court, and most of the rest were only assistants and engaged in it, and even the post of supervisor was rarely occupied, so it was extremely respectful to the foreign ministers.

Of course, Zhuo Jincheng will not ignore Liang Yi's cunning, after all, he who can do the assistant of the inner court is different from the Kunlun slave eunuch who has just entered the palace, and he is also a loyal servant who has followed Zheng Kezhang for many years, so he pinched his head and went to the end to say Zheng Kezang's later care, and then guessed: "Old Liang, do you think that the price of silver will fall and the price of gold will rise in the future?" ”

"It's possible." Liang Yi thought about it and gave an answer. "The current gold and silver ratio of the dynasty is 1 to 10, but it is said that Taixi has reached 1 to 14, and it is estimated that it is possible to raise the price of gold in the future to prevent the outflow of gold, but this is not right, now Taixi traders are holding gold and silver to my Huaxia, and I have never heard of returning with gold and silver."

"It's just that I can't figure it out here." Speaking of this, the corners of Zhuo Jincheng's eyes suddenly jumped. "Lao Liang, did you say that the Holy Lord is preparing to fight Luzon, and is he making preparations when he estimates that Luzon Yi's gold and silver will not be imported in a short time?"

"Where are the major military affairs that eunuchs like us should know?" If it weren't for this measure, Liang Yi would not have his current status. "Forget it, Zhuo Gong, don't think about it anymore, the saint has done useless things so far, you and I still do it."

"That's right." Zhuo Jincheng laughed. "By the way, I just negotiated a deal with the manager, Lao Liang, you can help me with the staff officer??????"