There are many businessmen like Xu shopkeeper, which is also thanks to the reputation of the bank before, so at the beginning of the bank, they consciously chose to come to the bank for a loan in order to tide over the difficulties, of course, the bank is not a charity, if you want to borrow from the bank, you must have a corresponding mortgage, so that in case the loan can not be recovered, the bank can recover the collateral of the merchant, for example, Xu shopkeeper made a mortgage with a big house in his capital.

Thanks to the support of these businessmen, the bank did a lot of business on the first day of opening, with the drive of these people, coupled with the reputation accumulated before, and the huge momentum of the opening day of the bank, so the bank's reputation was also quickly opened in the capital, at first just some businessmen came to deposit money and withdraw money for loans, and slowly began to appear some ordinary people, although the number of these people depositing and withdrawing money is not much, but their number is extremely large, so for the bank, They are the main body of the whole banking business.

Although it was still a little cold on the banks of the Bianhe River in the spring, Zhao Yan was already sitting by the river and started fishing, but at this time, the middle-aged man sitting on Zhao Yan's right hand suddenly spoke: "The king of the county is really generous, this is to gather the wealth of the world for his own use, and let the world take out the money willingly, which really makes the old man feel admired!" ”

The person who spoke was Wang Anshi, who was good friends with Zhao Yan, and there was no one else on the river except for him and Zhao Yan. In fact, Zhao Yan didn't expect Wang Anshi to come to visit him suddenly, and he didn't come with Zhao Yan, nor did he let his eldest son Wang Yan, who was inseparable from him, come with him, it is estimated that it was related to Wang Yan's collision with Zhao Yan in his words last time.

"Hehe, Mr. Linchuan looks up to the bank too much, although the bank has the role of accumulating wealth, but it is subject to all kinds of restrictions, and the bank collects this money only to borrow money to make money. The money still belongs to the person who saved it, and the bank only keeps it on behalf of him. Zhao Yan smiled and said, and at the same time glanced at Wang Anshi with some surprise, he didn't expect the other party to find him alone, in order to talk about the bank.

"The king of the county is too much, although the bank has just started to open in the Great Song Dynasty now. But judging from the situation on the Western Xia side, the banks will definitely open all over the major cities of the Great Song Dynasty in the shortest possible time, and as long as these banks are connected, a huge network will be formed, and through this network, the king of the county can mobilize most of the wealth in the world, although money has never been valued by scholars, but it has to be said that enough money can have a lot of influence. Presumably, at that time, the role of the bank may not be smaller than that of the three divisions of the imperial court, right? Wang Anshi also showed a solemn expression on his face when he said the end, since he heard the role of the bank from Zhao Ji, and his own personal observation during this time, he made the above conclusion.

Zhao Yan couldn't help but admire when he heard Wang Anshi's analysis, in the era of the Great Song Dynasty, the people who can really understand the role of banks are except himself. I'm afraid there are only Cao Song and the Mr. Linchuan in front of him, but Cao Song taught him a lesson because of himself. Coupled with the experience he accumulated when opening a bank, he understood the role of the bank, but Wang Anshi in front of him only saw the real role of the bank through his own observations, which shows that Wang Anshi's wisdom is also many times higher than Cao Song's.

Since Wang Anshi has seen so far-reaching, Zhao Yan no longer hides it, and said very calmly at the moment: "Mr. Linchuan has good eyesight. I have mentioned the role of banks to my eldest brother many times, but unfortunately he doesn't care much, maybe in his eyes, banks are just a thing that can accumulate wealth. In the end, I finally said that he had some shares in the bank, otherwise I would not have dared to open a bank with great fanfare. ”

"The king of the county is far-sighted, and such an important thing as a bank naturally has to be mastered by the imperial court!" When Wang Anshi heard this, he looked at Zhao Yan with a look of admiration in his eyes, you must know that if the bank is really fully opened, it can even affect the national fortunes of the Great Song Dynasty in the end, especially if Zhao Yan is still the prince, and he can even use this to defeat Zhao Yan and win the throne in one fell swoop, but Zhao Yan does not care about dividing the bank's shares into Zhao Ji, you must know that Zhao Ji is the prince of the Great Song Dynasty, and his shares in the bank also represent that the imperial court can interfere in the management of the bank at any time, Zhao Yan's practice is in Wang Anshi's view, It is simply an unconditional support for Zhao Ji.

"Oh, Mr. Linchuan knows, now the scale of the bank is still too small, and the influence is far from forming, but when the Great Song Dynasty is all over the bank, it is the day when the bank really plays a role, and then the bank can even replace the three divisions and become the institution in charge of the wealth of the world, and even we can also use the bank to issue paper money to replace the current bulky copper money, speaking of which, my Great Song Dynasty suffers from the shortage of copper money every year, and even Shu has to use iron money, Jiaozi is also born from this, but if you can replace copper money with paper money, then my Da Song will no longer have the pain of money shortage! Zhao Yan said excitedly.

Zhao Yan said that the money shortage, as the name suggests, is actually a lack of money, although the Great Song Dynasty has a lot of new copper coins every year, but because the copper coins of the Great Song Dynasty are exquisitely shaped, and also have an international reputation, this leads to the copper coins of the Great Song Dynasty not only in the domestic circulation of the Great Song Dynasty, but also in the surrounding countries are also very smooth, and even some small countries do not mint money at all, and directly use the copper coins of the Great Song Dynasty as the magic weapon currency, and even the copper coins of the Great Song Dynasty over there in the South Seas can also be used, which shows the influence of the Great Song Dynasty in the economy.

But in this way, the outflow of copper money in the Great Song Dynasty is also very strict, coupled with the lack of copper mines in the Great Song Dynasty, the new copper coins minted every year can not catch up with the speed of outflow, as a result, the Great Song Dynasty has not enough copper money, but anyone who knows a little economics knows that the shortage of money and the increasing amount of currency will have a huge impact on the country's economy, and for the Great Song Dynasty, it makes many places have a shortage of copper money, such as Shu Zhongdi has to use iron money because of lack of money, In other places, the lack of money has led to an increase in the value of copper coins themselves, which is not conducive to the development of commerce.

There are only two ways to solve the problem of money shortage in the Great Song Dynasty, the first is to cast copper coins on a large scale, but the copper production of the Great Song Dynasty cannot keep up at all, and the second way is to find another currency to replace copper coins, which is also what Zhao Yan said. It still did not form the uniform banknotes that could be circulated at will in later generations.

"Banknotes? Is the king of the county talking about Jiaozi? When Wang Anshi heard the banknotes mentioned in Zhao Yan's words, he immediately thought of Jiaozi.

"It can be said that it is, but it can also be said that it is not, Jiaozi is the prototype of paper money, but it is very different from paper money...... "Zhao Yan said and made a general introduction to the paper money he envisioned, these words he had also said to Cao Song before, Cao Song could not fully understand at that time, but now he said these things to Wang Anshi, he should be able to understand.

Sure enough, after Wang Anshi heard Zhao Yan's explanation of banknotes, his eyes slowly showed an excited look, the various problems accumulated by the Great Song Dynasty, the most important thing that came out of the table was actually the economic problem, so Wang Anshi is also quite a study of the economic aspect, and now hearing Zhao Yan's idea of paper money, it is like opening a door for him, which makes him have more ideas about the change, and at the same time he is more confident in the change.

Fortunately, Zhao Yan didn't know what Wang Anshi thought in his heart, otherwise he would definitely shut up directly, after all, although Wang Anshi's idea of changing the law was good, it was impossible for him to succeed at all, even if Zhao Yan decided to help him with all his might, I am afraid that there was no hope of victory in the end.

Wang Anshi is a good listener, from beginning to end has been listening carefully to Zhao Yan finished talking about the role and meaning of banknotes, until Zhao Yan stopped, he said: "It turns out that the king of the county has such an idea of opening a bank, which really surprises Wang, but Wang is a little puzzled, if after the issuance of banknotes, in case the court is short of money, can the issuance of banknotes be increased?" ”

"It's not impossible, but the key is to grasp the degree, generally speaking, an appropriate amount of money issuance can promote economic development, but if the imperial court disregards the truth and issues paper money indiscriminately, then the situation can be strict, and it may even lead to the destruction of the country, so unless it is absolutely necessary, you must not do this!" Zhao Yan said at the end, his face also showed a very strict expression, the Ming Dynasty in later generations was because of the indiscriminate issuance of paper money, the result almost caused chaos, fortunately it was the beginning of the founding of the Ming Dynasty, and the national strength was also the most strong, so this did not cause too much chaos, but from that time, the paper money issued by the imperial court also stinked on the street, and it was not much stronger than waste paper.

"I see, thank you for your advice!" Wang Anshi heard this and suddenly saluted Zhao Yan, he was thinking just now that if the bank is also included in the reform, maybe he can use the ability of the bank to change the financial situation of the Great Song Dynasty, Zhao Yan said that the paper money is one of the keys, although Zhao Yan said that it can not be issued indiscriminately, but also said that as long as it is reasonable over-issuance, it is good for the economy, Wang Anshi believes that if he masters the bank, he will definitely be able to control the degree of it, only over-issuance and not indiscriminate issuance.

After chatting about the bank, Wang Anshi suddenly changed his words and began to talk to Zhao Yan again about the benefits of changing the law, but unfortunately Zhao Yan was really not interested in changing the law, no matter what Wang Anshi said, he could not change his opinion, and finally Wang Anshi could only regretfully retire, but his harvest today was not small, after understanding the role of the bank, he also paid more attention to the bank. (To be continued......)