Jia Nian didn't reply immediately, just looked at a slightly remote place.

Following his gaze, Guo Dapang came to his senses.

The two of them walked together to the middle of nowhere.

"It's a shame that you're still a modern person, you have received a good modern education, and you haven't figured out some things yet"

"What's that?"

"Tell me, what's the money?"

"General equivalents"

"How Money Comes About"

"Transaction"

"Stupid"

Jia Nian spit out the word heavily.

Guo Dapang was silent, his answer was so decent, how could this Jia Nian be like this.

"I don't read much, I don't know"

"Angry, aren't you?"

"Then tell me, what is the money?"

"The debt relationship between the state and the people, to be precise, IOUs and promises"

"Really? I didn't go to college, so don't lie to me"

Guo Da Fat said faintly, what does this have to do with 100,000 gold? It doesn't seem to have a half-dime relationship.

Jia Nian took a full look at Guo Dapang's careful thoughts.

"You can understand it this way, I will issue banknotes with a total amount of 100,000 gold in the name of Yuzhang Taishou"

"What? Folding money? ”

"It's paper money"

"Yuzhang County, do you want it anymore? Isn't this nonsense? ”

"So I'll put it another way. I will find a bond of 100,000 gold in the name of Yuzhang Taishou. It is distributed to the four wealthy families and ordinary people, and a certain amount of interest is also given. For example, a bond with a face value of one tael can be repaid after one year, with an annual rate of 2 percent."

"It's much cheaper than the loan of the wealthy family"

Guo Da Fat pursed his mouth, but he was still very confused in his heart, obviously borrowing money to become paper money again.

Jia Nian continued to say to Guo Dapang.

"And I will use the grain income of the coming year as collateral, if the maturity is due, the common people and the wealthy families can exchange the equivalent value of grain and money in any county government in this county. These bonds can also be used as tax payments, but there is no interest on the bonds."

"It's just a two-way loop."

Guo Dapang seemed to vaguely understand something when he heard this, and the use of paper bonds as money to hand over to the government did constitute a recovery mechanism. But it is undeniable that this method is very crude and cannot be circulated in the market at all, that is to say, it cannot become money in the real sense.

"At this time, it's time for you Guo Dapang to come on the field, assemble the Lu engineering team, and build a lot of construction in Yuzhang County. At the same time, the shops under the name of Taishoufu also promised that these bonds could be used as equivalent money to buy corresponding items, which also stimulated the entire market. Paper bonds are obviously more suitable for trading than money, and the chaos of the world can also save a lot of trouble with thin bonds. For example, the robbery of bandits, and a series of things"

"And we can also set up a ticket number or money bank, and all the bonds can be deposited in it and lent to the local government. Let the government build new bridges and roads, and use tolls as collateral, so that it forms a big circle."

"When the entire Yuzhang County accepts the bonds, who will exchange money and grain? It's like the money in your hand, and who would have thought that it would really work in the first place? If the time is ripe to abolish the money and food standard, it is not impossible."

Guo Dapang fell into contemplation, it is undeniable that Jia Nian's idea is really good, if it is operated properly, the benefits that can be obtained will be extremely huge. It can even sweep away the surrounding resources like a snowball, allowing Yuzhang County to take off at an incredible speed.

"What if there is a run?"

"Are you suspecting me of issuing bonds indiscriminately, thereby triggering an economic crisis?"

"Could it be that Yuzhang County Mansion has 100,000 gold in food and money?"

"So it's for a year, and it's for the year of food and money as collateral"

"What if Yuzhang County can't receive 100,000 gold in food and money a year?"

"The house, the house is the beginning of the sea god needle"

The corners of Guo Dapang's mouth twitched fiercely, and at this time, he remembered why Jia Nian said that the Lu Clan's engineering team, it turned out that the killing move was here.

Thinking along this line of thought, Guo Dapang began to calculate.

"A house in a good location is about a few hundred gold, and a better house also needs tens of gold, that is, hundreds of thousands of dollars, as for ordinary houses, tens of thousands of dollars are needed."

"In addition to most of the refugees who have nothing, there are also many wealthy branches, and it should not be difficult for these people to buy hundreds or thousands of mansions a year with rich hands, that is to say, they swallow ...... at once."

Guo Dapang's eyes widened in surprise when he said this, and there was a look of horror in his eyes.

If a mansion is a million dollars, that is, a hundred gold, then a hundred is not ten thousand gold?

For those who fled from the Central Plains, this is the first house, and it is just needed.

Not only to buy, but also to buy big, because that symbolizes the façade and the face of one's own house.

It doesn't seem so difficult to consume a hundred thousand worth of bonds.

Thinking of this, Guo Dapang couldn't help but smack his tongue.

"It seems that real estate is big business no matter where it is."

"Then do you still think that this 100,000 gold is difficult?"

"It's not difficult, I think it's less, it should be more"

Guo Dapang swallowed a mouthful of foam with difficulty, and his whole heart began to beat violently.

Generous, this is the real generosity, I can't imagine that I haven't seen it for a while. Jia Nian actually held back a big move silently.

If this thing can be done, will Yuzhang County still worry about money in the future? I'm afraid that Lu Su and Liu Ye will desperately ask him to print money.

How ancient paper money died out is not all caused by uncontrolled printing of money.

But Jia Nian doesn't know these lessons? Once these pits are avoided, then it is foreseeable how prosperous Yuzhang County will be.

"The meal must be eaten in one bite, and the road must be walked step by step. At present, only 100,000 gold will be issued, and there will be no more, and it will never be sent randomly."

"No, you gathered the four wealthy families. Even if they were willing to buy it, they wouldn't be able to buy a 100,000 gold bond in one go, and they didn't have that much money."

"Why sell them all? It's their business how much they want to buy, I don't force it."

"And what do you want to do?"

"After I gather the four wealthy families, you will release the news"

Jia Nian paused here and looked ahead.

"These houses under construction are sold for a portion and are eligible for relief and pre-emption with bonds. So they buy bonds first, and they're using them to buy houses. This is a hedge against the distrust of the Taishou Mansion."

Then the bonds were issued to the workers who built the houses, telling them that they could not only buy items at the shops under the banner of Yuzhang Taishoufu, but also go to the Taishoufu to exchange money for the equivalent of the face value, so that the bonds formed a cycle. Each cycle increases the confidence of the people and the wealthy, and at the same time, the acceptance of bonds will gradually increase."

"After the credibility is established, the money bank will be opened in the twenty counties that actually control the whole county, and all the bonds deposited will receive a higher interest rate than from the Taishou Prefecture, so that the bonds will become money."

Jia Nian recounted his plan step by step.

Guo Dapang nodded again and again when he listened, and the smile on his face gradually thickened.

If paper money is issued in this way, and when the market confirms it and then the government confirms it, then all of this will come naturally.

Rather than being carried out by the government by strong force at the beginning, there is an essential difference between the two.