Chapter 319: It's not easy to issue banknotes

Listening to Huangshi, what he wants to print is a voucher, Qi Ye put his mind at ease, because vouchers are now used very commonly, it can be said to be a means used by merchants to promote goods, and anti-counterfeiting vouchers can be used to deduct the same equivalent value of cash in shopping, simply put, it is a piece of paper or card that can be used instead of coins to buy or consume.

For a business, anti-counterfeiting vouchers can be used as a means to repay new and old customers or to bring back old customers who are about to lose. For example, Lao Qi knew that some bakeries next to his "Xianqin Printing" often made some anti-counterfeiting vouchers, which were actually coupons or cash vouchers, which were used to attract customers and promote sales, and I heard that the effect was not bad.

"How much do you want to print?" Qi Ye asked Huang Shi directly, because he knew that since Lao Huang had mentioned it to him, it meant that this list was to be handed over to his "Pre-Qin Seal" to do.

"It's not decided yet."

"Still undecided?" Qi Ye realized that Lu Dao was just an intention of others, but the amount of this kind of business list is generally very small, and he has taken over several similar orders in the factory, but the highest one of them is about 6,000 yuan, so he didn't seem particularly eager.

"yes, it's not decided yet." Speaking of this, Huang Shi was a little embarrassed, because he had already released the wind to the people on Dongluo Island, saying that they would be paid wages from the beginning of the New Year, which would increase their enthusiasm for labor and promote consumption on the island, so he couldn't be untrustworthy.

However, what money to send and how much to send made him very nervous.

The copper coins of the Ming Dynasty, the silver of the Ming Dynasty, he vetoed it without thinking about it, because if these things were issued, then not to mention that the silver and copper coins of each dynasty were converted differently, and they could not be like the inns and shops he saw before, equipped with clip scissors and nicknames, and when using money, they were also called and cut, and the fire consumption was calculated, which was simply troublesome.

If you wait until your territory is opened to the outside world in the future, it is estimated that once the money carried by the surging guests is circulated, it will quickly depreciate the value of the money you give to your subordinates.

If it is modeled on the currency of the Ming Dynasty or the West at that time, some similar copper coins or silver coins are minted and issued, although it solves the problem of currency depreciation caused by doing business with Ming customers, but if the condition is good, then it may be taken back to the mainland by them for use, which will cause a shortage of money on their own territory.

Another problem is the use of other metals, such as aluminium, which was much more expensive than gold before the 19th century. Because there were only elemental gold, silver, copper and iron in nature, coupled with the low level of science and technology at that time, it was difficult to separate aluminum from the compound to obtain elemental matter, which made it even more difficult to find.

It is said that when the French emperor Napoleon entertained guests, he used aluminum bowls and plates, and the guests used silver bowls and plates, which shows the preciousness of aluminum products. Therefore, Huangshi considered whether the aluminum coins minted by himself would be collected by those Westerners and re-refined and minted into all kinds of aluminum plates and cups.

However, Huangshi does not want to mint metal currency for circulation, there is one more important reason, simply put, this gold, silver and copper coins are a scarce resource, Lao Huang originally wanted to collect these precious resources through trade with the outside world, how can it be collected after hard work, and then send it back.

……

Therefore, after this analysis, there are only two ways in front of Huangshi, one is to simply expand electronic credit money, issue an IC card or magnetic card to everyone, and their wages will be paid to everyone's account through the network by the financial department acting as the "central bank" of the island.

In this way, if Lao Huang's territory is only Dongluo Island, it is the most convenient, because the income and consumption of the people on the island are directly related to Lao Huang's own "state-owned enterprises", such as supply and marketing cooperatives, restaurants and other shops, and there can be no horizontal consumption relationship between them.

However, soon after, Lao Huang was about to develop Taiwan, and with the migration of a large number of people, the territory expanded. Lao Huang's various sales and service outlets are impossible to connect to every village and town, and since it is impossible to interact with the "central bank" for data, this kind of credit money method is obviously not feasible.

Then you can only issue currency, but what kind of currency to issue, Huangshi is also a little dilemma.

Huang Shi once thought that since he had regarded Dongluo Island as a Chinese company sent to "Black Africa", it would be the most convenient thing for the employees of the "enterprise" to directly hold the renminbi in their hands.

Because in this way, it is equivalent to him collecting various resources in the 16th century, including gold, silver, jewelry, rare books, and all kinds of fresh goods, through the gate of time and space to sell to the modern society, and then withdraw the cash from the modern society and distribute it to the "employees" under his command as wages.

In this way, it is a very complete and clear industrial chain. It is a pity that this method is destined to make the "enterprise" small, because in this case, it means that other kinds of resources obtained from this vast world world are not included in the scope of calculable wealth.

If a large amount of wealth is not counted and given the same amount of money, then there must be a "money shortage". The so-called money shortage originally referred to a financial crisis caused by the relative shortage of money in the field of circulation.

The impact of "money shortage" on modern society is very huge, it may trigger a wave of bankruptcy of small and medium-sized enterprises, because they cannot borrow money from banks, and at the same time, "money shortage" will also involve the stock market, so that the stock market will reduce the amount of funds entering the market, and will make the stock market the most convenient "pump" for arbitrage funds.

In fact, there was also a "money shortage" problem in ancient times, before the Ming Dynasty Wanli, before the huge amount of South American silver in Spain had not flowed in, the Chinese dynasties often had a "money shortage".

Although there are many reasons for the "money shortage", Huang Shi has drawn the following conclusions from his shallow knowledge of economics.

First of all, China's historical indifference and humble view of commerce led to the lack of prosperity of commerce, so the circulation of money was poor. Secondly, because brass is a precious metal, it has a huge value in itself, and it is possible to cast copper after melting copper coins to have huge profits, such as copper coins have always been melted and made into copperware, which is worth more than 1 guan, and a large number of merchants have taken advantage of this to make money.

In addition, the large use of Chinese copper coins by neighboring countries led to the outflow of copper coins, and the imperial court often only collected but did not spend, so it further caused a monetary tightening. Another reason is that a lot of metal money is hidden by large households, so after the war, the currency becomes "valuable".

One of the ways for the ancients to solve the "money shortage" is to "destroy the Buddha", like the most famous "Three Martial Arts to destroy the Buddha" in history, the main reason is that the temple does not pay taxes and hoards land, as well as the reason for raising slaves and maids, but on the other hand, it is also because of the lack of copper, a large amount of copper has been cast into a bronze statue in the temple.

……

Qi Ye saw that Huang Shi was frowning, so he asked him, "Then are they going to print discount coupons or cash vouchers?" ”

Huang Shi, who was thinking about how to print money, heard Qi Ye say this, so he asked rhetorically, "Ah, is there a difference between the two?" ”

"Of course, the difference is big, first of all, if it is a cash coupon, then you have to pay more attention to the anti-counterfeiting problem, because they are all for real money and silver bills, unlike that kind of fake discount coupons, you can print as much as you want, this kind of cash coupon is generally printed, and you have to recycle and dispose of various versions."

Huang Shi thought for a moment and said, "Of course, we are going to print cash vouchers, this material and printing quality will be more refined, right?" ”

"That's natural." Qi Ye nodded, "Cash coupons generally use high-grade anti-counterfeiting paper, while discount coupons are general prints, don't use too good paper, and the process of printing cash coupons is more cumbersome, and the anti-counterfeiting process is also very complicated." ”

"Oh, so have you ever made a similar order before?"

"I've done it, and I've made several lists."

Huang Shi leaned forward and asked with a smile, "Can you tell me how many tickets you can make for others at one time, and how much does it cost?" ”

"I won't say anything about other people, Lao Huang, then I'll tell you. In fact, it is a few thousand, but only two kinds of anti-counterfeiting are used, and the cost is more expensive, more than 5,000. ”

Huang Shi was stunned in his heart, thinking that this cash coupon is too expensive, that is, one yuan for a coupon, if I print a penny, isn't this the more printed, the worse the loss, this is absolutely not good.

Qi Ye saw that Huang Shi didn't seem to have the right look on his face after hearing this, so he asked, "What's wrong, Old Huang?" ”

"You're too expensive, isn't it equivalent to a dollar for a coupon!"

"How can this be expensive, think about it, they are coupons, we use high-grade reinforced anti-counterfeiting paper, which is not only hard but also waterproof, and they are pressed by two thin anti-counterfeiting papers, with a gold thread similar to RMB in the middle."

"Is that as counterfeit-proof as a genuine coin?" After hearing this, Huang Shi was a little skeptical.

Lao Qi smiled and replied, "Of course not, but it's almost the same, if you use a purple light to shine or use a computer to scan a barcode, you can be anti-counterfeiting." ”

So Huang Shi asked Qi Yedao, "What does this computer scan barcode mean?" ”