591. Datang Financial Industry (I)

After Cui Tan left, Cui Ying also lived in Jingwen's house, and Cui Ying was still sullen, obviously very sad. And Cheng Lin looked a little helpless, her good sister from childhood to adulthood actually experienced this kind of thing, which obviously made Cheng Lin uncomfortable. However, no matter how Cheng Lin comforted her, Cui Ying couldn't recover. Cheng Lin didn't have much to do, so she also took the initiative to find Jingwen, hoping that Jingwen could think of a way. However, what can Jingwen do? Jingwen is not a psychiatrist.

"Don't worry! The best way to heal the wounds of the soul is time! Jingwen said.

But Cheng Lin said: "If Sister Cui Ying has been grieving, it can't be soothed by time at all." We have to get him out so that we can heal his wounds! ”

Jingwen also pondered that if this Cui Ying was immersed in grief all the time, I am afraid it might not be a good thing. Although it may be the best time for a woman to pursue in grief, it is useless if she can't get him out of grief! Therefore, Jingwen must let him out of his grief. Jingwen began to wonder how she should be brought out of her grief.

"Lin'er, how about you ask her to help us do something else?" Jingwen asked.

"Let Sister Cui Ying help us do things? How good is that? Cheng Lin said.

Cheng Lin was a little unacceptable, because no matter what Cui Ying said, she was also a guest in her own house. And if a guest comes to be a guest, you can't let him do this or that, so now that Cheng Lin heard Jingwen's statement, he naturally felt embarrassed. Therefore, Cui Ying also disagreed.

But Jingwen said: "We let him do things, that is, let him not think about these family affairs!" As long as she can distract herself, then I'm afraid she will be able to recover. If you let him stay immersed in it, I'm afraid he won't be able to get out at all! ”

"That's right! Then I agreed. Cheng Lin said.

Jingwen immediately found Cui Ying, and then saw that she still looked sad, and then took the initiative to say, "Miss Cui Ying." I want you to do it for us now, what do you think? ”

"What's the matter?" Cui Ying asked.

"It's very simple, we're going to start a new industry, and I hope you can help me manage it!" Jingwen said.

"What new industry?" Cui Ying asked.

Jingwen continued: "My industry is called the financial industry! The financial industry is a big industry, and the first thing we need to do is banking. As for the first step of the bank, it is to be responsible for the exchange of money. ”

Jingwen immediately explained the first step of the bank, which is to be responsible for the exchange of money and money. The so-called exchange of silver money for huàn is actually Jingwen discovering that there was a huge loophole in the financial aspects of the Tang Dynasty. The currency standard of the Tang Dynasty was actually the model of the copper standard, that is, only copper coins were used as the general equivalent in finance. The people needed copper money to buy things. And the state expenditure also needs to spend copper money, and almost all of them need copper money. As early as a few years ago, Jingwen also discovered this loophole, and Jingwen took the initiative to help others use silver to evade taxes. But fortunately, the commercial tax does not account for the majority of the country, and Jingwen helped Li Shimin catch a few rats, so Li Shimin didn't care too much.

However, because of this, Jingwen also remembered the currency loopholes of the Tang Dynasty, which all used copper coins. And Jingwen also remembered that when he and Xue Xue sold that house. In fact, at that time, Jingwen also carried a big box to buy a house, which was full of copper coins! And at that time, Xue Xue also said that seeing Jingwen holding such a big box, Xue Xue was also very relieved. It is believed that Jingwen is not cheating. It can be seen that copper coins are very heavy, and if you want to buy something of higher value, you have to hire many people to carry copper coins. And. If you're traveling over a long distance, the cost is even greater. When the time comes, the porter costs for transportation. There is also the cost of hiring bodyguards to come over to protect the manpower, and when all kinds of expenses are added together, isn't that a very huge wealth? Therefore, Jingwen also wants to make profits from this aspect.

"How do you solve it?" Cui Ying also asked curiously.

Of course, Cui Ying also knew that there were a lot of copper coins piled up in their Cui family's treasury, and these copper coins were all copper coins accumulated in previous dynasties, and they had already filled countless warehouses. Cui Ying also feels that it takes up a lot of space, and every year these families have to build a lot of warehouses to store copper coins, which is also a very troublesome problem. Cui Ying was born in a big family, and of course she has a deeper understanding of this. As for Jingwen, there are a lot of copper coins he has accumulated now, which is also a headache for Jingwen.

"Simple, wouldn't it be good to exchange copper coins for something of high value and small size? As long as it is replaced, then we can travel through many places with these things, and then when we arrive at the place, we will exchange these things for copper coins again, so that it can be used as a transaction? Jingwen said.

And Cui Ying immediately said: "And when the time comes, you can scavenge a layer from it when you exchange something as valuable as huàn, so that you can make a profit." ”

"Miss Cui, you are really Bing Xue smart!" Jingwen said.

This Cui Ying's comprehension ability is still good, and he actually knows that Jingwen wants to collect some "handling fees" from the time of redeeming huàn, so that he can make a profit. Of course, this is a new business, and no one can think of it. Many things, as long as you pierce this layer of window paper, you can do it. Such a small copper coin and those high-value things were exchanged for huàn, which no one had thought of at all.

Of course, if Jingwen's reputation is good in the future, he can directly use some worthless materials to make a token, which can be exchanged nationwide in the future, such as the later silver ticket. Of course, at present, with Jingwen's ability, he has not been able to achieve such a powerful reputation, and it will take some time for the people to accept it. Therefore, it is necessary to come up with something of high value as a material, so that those who redeem huàn can rest assured that their money will not be hacked by Jingwen. And the best thing of this high value is nothing more than gold and silver. In fact, Jingwen also wanted to make the people gradually accept gold and silver, and change another large amount of circulating currency. Of course, it was not possible to monetize it for the time being, because there was too little silver in the Tang Dynasty. If you really want to monetize silver, you have to wait until the development of trade between the East and the West, and a large amount of silver will flow in. (To be continued......)