Chapter 64 Currency Reform

Silence, in fact, when everyone saw the daily newspaper's handling of the incident, many remained silent.

As far as the republic is concerned, Zhang Hongbin's explanation is very clear, and the attitude of the two parties and one emperor in the Congress is also very resolute.

Emperor Zhang Hongbin represents the judgment of the imperial family on this matter; The ruling party represents the fundamental interests of the poor and the workers and peasants in the world; The Supervisory Party represents the interests of the old gentry, the big landowners, and the big capitalist class. If neither the two parties nor the emperor have any opinions, then who else will have opinions? Probably those who do not enter the stream without party affiliation, or benefit some special groups of people other than these beneficiary classes, right?

As for the forces outside the republic, they sadly found that they could not exert any influence on the republic. After all, the territory of the Republic is now far larger than any of their powers. It is not denied that most of them are Yidi or wild land, but they are also land. Coupled with the armed forces of the republic, as well as the absolute control of public opinion and all strata, it is completely like an iron bucket, and outsiders have no way to exert influence on it.

In this case, why bother to blame others in vain? Others have their own firearms, commodities and technology, and they can only be the party begging others to sell them things, so not only can they not be responsible for the other party, but they must also appropriately agree with the other party's point of view, otherwise the impact of an embargo on a commodity will be huge.

For example, the aristocracy could not buy luxury goods that could meet them, or the big merchant ** landlord could not buy the goods he needed. They will investigate, why can't they buy it? Then the result of the investigation was that his own force provoked the republic, and others imposed a commodity embargo on him and a technical blockade. Fortunately, the republic, other forces, especially Nanzhili and Daming, are afraid that they will set off a huge ** at any time.

Even Zhang Xianzhong, Li Zicheng and others can't rebel against this torrent, because they also need some luxury goods and some better technology.

But in general, it can be summed up in one sentence: the weak have no right to say anything!

Besides, slaughter or something, who doesn't know what Zhang Hongbin's rice country or European and American countries in that time and space did to Africa and Native Americans? Another example is Spain, what did they do to the overseas Chinese in Southeast Asia? Why are they not blamed? Because of their strong people, the strong have the possibility of slaughtering others and becoming heroes.

Why can't the island countries engage in massacres, they thought they were strong at the beginning, so they planned to use massacres to stop killing, and deter the Chinese army If they want to live, it is best not to resist, otherwise there will inevitably be a second, third or even more massacres. But they don't have self-knowledge, they are actually weak, and in the end they become losers, and the slaughter of losers is a crime.

I don't know if what happened in that time and space had too much influence on Zhang Hongbin, so after he came to this time and space and became a superior, he naturally came to such a conclusion.

Regarding the period in the Tibetan region, it can be regarded as a perfect end since then.

The Tibetan region, which has just become the territory of the republic, will practice a certain degree of national autonomy, but the tone that Lamaism can only be a spiritual sustenance and not a spiritual leader must be issued. Once it is discovered that Lamaism has incited Tibet, it will immediately be removed from the cult and completely smashed. Not only Lamaism, but also Taoism, Buddhism, Christianity and other religions can also be freely practiced in the republic, but they must also preach under certain norms, otherwise they will also be banned.

But only a few people know that Zhang Hongbin is secretly cultivating Taoism, but it is not obvious for the time being, so more than 99% of the people of the Republic do not know about it.

After a year of military control, the Tibetan region will enter a period of curfew, and the local security situation will be handled by the armed police, which can also be regarded as a semi-military state. It took two years before the police began to deal with it, and then it was normal.

A new administrative system, new institutions will be created, and new officials will be appointed and dismissed. With the experience of Myanmar, I believe that many people will be willing to take up their posts this time.

Seeing that the matter of Tubo has been completed, Zhang Hongbin also began to work on another thing that he has been paying attention to during this time.

That is the currency reform, and of course the establishment of the central bank, and the laying of branches.

As early as a long time ago, Zhang Hongbin discussed with He Ling about the new currency system and the bank. At that time, Zhang Hongbin meant that the new dynasty and the new atmosphere should not be changed. Daming lacks copper, but gold and silver are not short, and using gold, silver and copper as currency should reduce the trouble of insufficient copper.

He told He Ling about the benefits of the bank again, and only hoped that He Ling could advise him.

Who knows, He Ling's words were like cold water, directly making him cold from head to heel.

At that time, He Ling said: "If you want to set up a bank, how should the branches be laid out, and how to better manage the books of the branches in various places." If the three metals of gold, silver and copper are to be made into currency, then whether the old money should be abolished. If it were to be abolished, how would it be possible for the people to exchange for a new currency? Besides, if we want to open a bank and open a currency-to-dollar policy, how much reserve do we need to prepare to be enough? ”

Yes, it's a matter of reserves.

The republic is indeed rich, everyone knows this, not only the court is rich, but the people are very rich. But when people have money, many people are used to hiding at home and not consuming, and many people still maintain the habit of consuming only what they need. The rest of the money is saved, and even if it is moldy and spoiled, it will not be used.

Without circulation, how much reserve can the bank give to the people endlessly?

Interest can be given, which is naturally a way, but it still involves the scope of laying, as well as the problem of transportation conditions. For example, in a certain local branch, there was too much currency to guide the inventory, so he naturally had to send someone to escort the gold, silver and copper coins that had been exchanged back to the headquarters for reminting. But it takes time to contact the head office, it takes time for the head office to send people over, it takes time for transportation, it takes time for casting, it can be said that it comes and goes, maybe a month will pass.

There is no new currency for a month, and the old currency is not used for the people, isn't this intended to let the people **?

Besides, Yunnan and Sichuan are so backward places, road transportation is a very difficult task. How to get things from them back to the headquarters is also a problem, and it can't be delegated to the local mint, right? If Zhang Hongbin plans to die in ten years, he can try to do so.

It was a few years ago, and that was it.

However, with the upgrading of the system, the construction of a large number of first-class roads, and the completion of a few railways, the republic is now initially in a position to build a bank and reform the currency system. Therefore, Zhang Hongbin plans to put this on the agenda quickly.

Congress was also very much in favor of changing the currency system, but considering that transportation is still a bit worse today, it asked for the mixing of old and new currencies for the time being. At the same time, customers who have deposited silver in the bank are allowed to issue silver bills of the same denomination according to the money they have saved.

Zhang Hongbin also hopes that the people can use the silver ticket to the maximum extent, so that it can reduce a lot of transportation troubles. However, how to supervise the issuance of silver bills cannot be ignored.

Therefore, in the end, it is necessary to create a body like the Banking Regulatory Commission.

It just so happens that the ruling philosophy of the republic was originally a two-party and one-emperor system. The banks are handed over to the Congress, that is, the ruling party, and the CBRC is handed over to the supervisory party, which can well regulate the operation of the banking industry.

As for the communication problem, when Zhang Hongbin took out the remote pager, he basically acquiesced to the fact that the communication problem was solved. However, for the sake of prudence, allowing the use of the caravanserai is also a temporary measure, unless there is a better and more stable means of communication.

This remote pager is a product after the eighties of the twenty-first century, and is mainly composed of a receiver and a pager. Through the guò pager, the voice of the book is transmitted to the receiver, and the person who operates the receiver also realizes one-to-one contact with the caller through the guò receiver. Interestingly, this type of pager has a specific frequency, so it can be ensured that there is no possibility of plugging, and the call distance covers almost half the world, and there is no need for communication satellites to assist.

It can't be said that this thing can replace the telephone, but through guò, the branches in the second-tier cities, that is, in the towns, you can get in touch with the branches in cities such as county towns and state capitals to ensure that the currency is transported to each other. After transiting in the branch, they will get in touch with the head office of the capital Chang'an, and then transport them together.

It's a bit troublesome, but it can ensure that the response is made as soon as possible, and even if the local people have to wait, they don't need to wait for more than three days. Even every bank will set aside a batch of emergency savings funds to deal with the special situation of having to withdraw money. Of course, you need to write an application to withdraw money, and after obtaining approval, you can only be allowed to use the money.

The currency is gold, silver and copper, but silver stamps are also allowed to be used as an aid.

It is stipulated that for three years, the people can still use the old money, but a certain percentage of fire consumption is allowed, and this proportion of fire consumption must be limited to death, so as not to cause anything unhappy. If the huàn currency is exchanged directly at the bank, a certain amount of depreciation is carried out before the huàn, after all, it is necessary to avoid the situation that the 40% gold content is exchanged for the full amount of gold coins.

The basic policy has been formulated, but this is not enough, and it is still necessary to write this policy in the "Daily" and send it to the people for voting.

If the people don't like this system, they can put forward their opinions, and if they are accepted, they can also get a lot of money.

Through this method, the wisdom of the people has also been mobilized, and the wisdom of the people has been pooled to improve various systems.

It took three months before and after, and seeing that the autumn harvest was about to arrive, the statistics were made, and the classification began to be sorted out, and the reply was given.

The process is boring and even tiresome, but it has to be troublesome for the bank to be born healthy and stable.

Finally, after the autumn harvest was completed, the various systems were revised, and the bank began to enter the stage of site selection and construction. At the same time, the minting of new currencies began.

Xu Guangqi, a still healthy old man, is responsible for the design of the new currency, which is Zhang Hongbin's respect for him, and he has seen Western currencies and has some experience in how to design three currencies. It took Xu Guangqi a day and a night to complete the first draft, but it was the final draft.

The patterns before and after the three currencies are the same, with the side portrait of Zhang Hongbin, the founding emperor, on the obverse, and the Chinese dragon, the totem of the Chinese people, on the reverse.

Zhang Hongbin actually has some opinions about this design, after all, he doesn't want to engrave his face on currency.

But Xu Guangqi said clearly: "Don't engrave who you engrave?" Who in the republic but you is eligible to be engraved on the coin? Besides, this currency layout has always been, so that it is easy to mint. If you don't engrave you, then I'm afraid that the three currencies can't be consistent, that is, it needs to be a mold, and it is time-consuming and laborious to print. ”

Well, Zhang Hongbin decisively chose to keep his mouth shut.

As a result, the three currencies began to be minted in a mold, and it was important to save enough reserves before the bank opened.