"Oh? Brother Ma, please speak! Song Qiqiu's Qi cultivation kung fu in the past few months of retreat was definitely not given in vain, and he didn't care at all about being interrupted by Ma Yankuan, and smiled and stretched out his hand to signal him, but it didn't hurt to speak.

Ma Yankuan made a group to the surrounding shareholders, and then bowed deeply to Song Qiqiu, and said loudly: "The villain is not talented, he guards the gold mountain left by his father every day but does not know how to develop it, so he has been stuffy in the house to study flying money, redemption, and of course, the new Xinsheng Bank in Jinling City." The villain thought about it and thought that if the bank wanted to completely defeat the flying money and the exchange, the most important thing was not the amount of money it had, but the reputation! ”

Credibility? Zhang Renfang, who had been sitting in the corner, suddenly opened his eyes that had been slightly closed and stared at Ma Yankuan.

"I want to hear about it." Song Qiqiu was still smiling, and the person also sat down, motioning for Ma Yankuan to continue.

Ma Yankuan bowed slightly and talked eloquently: "People can't stand without faith, and the country can't stand without faith." The villain believes that if Dongdu Bank wants to go out of the Eastern Capital, go to the whole territory of Datang, and even go to the whole world, the most critical thing is to rely on the credibility of the city.

Dongdu Bank is originally the bank in charge of the government, and we have already shouldered the credibility of Dongdu, and even the national reputation of Datang, which is a good start for us! If we pay attention to the credibility of every money in our daily operations, and never violate any laws and regulations, the credibility will become the golden sign of our Dongdu Bank! ”

Li Hongyi served tea and drank it slowly with an expressionless face, still without saying a word. Song Qiqiu and Tang Hao glanced at each other, and they also drank tea leisurely, only Zhang Renfang's eyes became brighter and brighter.

"With the credibility that people in the world can trust, the function of the bank will far exceed the functions of flying money, pledge, guarantee, remote access and other functions, and can expand countless functions of helping the people and the world! For example, investment. If we believe that a business activity is lucrative, we can invest in it early and take a stake in it, so we can reap far more profits than we put in later. Ma Yankuan's eyebrows fluttered and said, this is the venture capital concept that Lin Feng secretly taught Ma Yankuan, and he borrowed it to bluff people.

Reinvest? This was something that Song Qiqiu and the others had not thought of in advance, and the tea-stroking action in their hands slowly stopped.

"With credibility, you can do a lot of things that you didn't dare to think about or do before! I heard that Shouzhou printed a copy of the "Shouzhou Business Daily", the text was printed on a certain specification of paper for reading, a few days ago I suddenly thought that if the printing technology is excellent, we can try to print some exquisite, not easy to imitate paper money, at first can be used as a remote access voucher, in the guarantee of credit can even be directly shopping, paper money can be exchanged in the bank for the same amount of copper money, the most common to become the circulation of the eastern capital and even the world's money, is not to be simpler than the current copper money, easy to carry? Immediately afterwards, Ma Yankuan peddled the concept of Jiaozi again.

"Jiaozi" is the earliest banknote officially issued by the government in China, and it is also considered to be the earliest banknote used in the world, which is six or seven hundred years earlier than the paper money issued by Western countries such as the United States (1692 AD) and France (1716 AD).

The original Jiaozi was actually a certificate of deposit. In the early years of the Northern Song Dynasty, iron money was prevalent in Sichuan, and the heaviest 1,000 coins weighed 25 catties, so there were "Jiaozi shopkeepers" who operated cash custody business in Chengdu. The depositor delivers a large amount of iron money to the shopkeeper, who fills in the deposit amount on a paper roll made of pinched paper, and then returns it to the depositor, and charges a certain amount of custody fee. This kind of paper coupon that temporarily fills in the deposit amount is Jiaozi.

During the Jingde period of the Northern Song Dynasty (1004-1007 AD), Zhang Yong, the governor of Yizhou, rectified the Jiaozi shop households, which were operated by 16 wealthy merchants. So far, the issuance of "Jiaozi" has been officially recognized by the government. In the first year of Song Renzong's Tiansheng (1023 AD), the government set up Yizhou Jiaoziwu, with a capital of 360,000 guan as a reserve, and issued 1.26 million guan for the first time, with a reserve rate of 28%, and Jiaozi has become an official legal tender currency.

"Imagine further, if the whole world uses the paper money used by our Dongdu Bank, how many benefits will be contained in it?! The mere process of printing a piece of paper as money to buy goods is a considerable income in itself. Fang Yankuan himself didn't quite understand the concept of seigniorage, but he still threw it out.

The expressions of the shareholders at the scene changed slightly, Song Qiqiu had already put down the teacup and began to stare at Fang Yankuan, while Zhang Renfang relaxed his whole body and began to sip tea slowly.

"With credibility, what else can be done? The villain once dared to assume that if we Datang guarantee the national credit, when we need to use a large amount of money in a short period of time, we will be able to quickly raise a large amount of funds by publicly selling national bonds with a certain period of time and returning a fixed amount of interest to the world! This is an invisible credibility in exchange for much-needed money, so why not? Fang Yankuan swore without being shocked, and then threw out the concept of national debt.

Compared with Ma Yankuan's grand idea, Lin Feng's Xinsheng Bank in Jinling is a joke! Li Hongji put down the teacup in his hand and became interested in Ma Yankuan, who was ordinary in appearance.

At this time, Ma Yankuan bowed deeply again, and apologized in his mouth: "It is precisely because of the invitation of King Yan that the villain has been raising money for the past few days while meditating hard, and suddenly generated some of the above wonderful ideas. ”

There was a brief silence at the scene, Li Hongyi lightly touched the teacup wall in his right hand, and a barely audible collision broke the silence of the scene, and His Royal Highness began to ask: "Then according to what Brother Ma said, what should Dongdu Bank do?" ”

Ma Yankuan arched his hand and replied: "Looking down, the most important thing is naturally Lixin. As for the development context, it is believed that Dongdu Bank will first focus on attracting money to save money at higher interest rates, and then lend to reputable wealthy businessmen at higher interest rates, and at the same time carry out businesses such as saving money for mortgages and loans to buy houses. After the Dongdu Bank opened to other big cities, it carried out deposits and withdrawals in other cities, slowly issued paper money transactions, and finally used paper money to replace copper and iron money and gold and silver money! ”

"Good idea, good idea!" Li Hongyi couldn't help but sigh in admiration, and stretched out his hand to ask Fang Yankuan to sit down.

Highly recognized by King Yan on the spot, Ma Yankuan still looked calm as usual, and sat down while saluting.

"His Royal Highness King Yan, I'm an old man, I think the rules of Jinling Xinsheng Bank are good, I wonder if Dongdu Bank can learn from them?" Zhang Renfang got up and said.

Li Hongyi nodded slightly, and said loudly: "This king pays attention to fairness, and if you want everyone to come here, the main thing is to discuss the rules of bank operation. Next, please leave the bank manager to discuss the detailed rules! ”

This night, the lights and candles in the study of Yanwang Mansion were lit for a long time, until late at night, Tang Hao, who stayed behind in the Eastern Capital, walked out of the study with Fang Yankuan's shoulder, and said with admiration: "I haven't seen Brother Ma for several years. ”

Fang Yankuan had just finished his modesty, Zhang Renfang grabbed his arm from the other side and said loudly: "I really can't imagine that there are such talented people in the Eastern Capital City!" Let's go, go back to the house with my brother and have a drink or two! ”

Overnight, Fang Yankuan changed from a down-and-out scholar who was originally disliked by everyone to a popular figure that everyone scrambled to befriend!