"Little boy, I'm not optimistic about it this time, it's obvious that I'm losing money!"

Even Wang Ben, who has developed limbs and is not very sensitive to money, disagrees.

Because it looks like a loss-making deal!

"Then what if you lend out the money that the people have deposited, and charge five wen for every hundred wen?"

In the face of doubts, Xiao Zhengtai was not in a hurry, still with an innocent smile on his face, and asked slowly rhetorically.

"Lend it out again?"

"Sanwen, Wuwen? There is a price difference between two texts back and forth? ”

"Huh? That's a good idea! ”

"I have a population of 20 million people in Daqin, if half of them come to borrow money, and one person earns 200 Wen ...... a year?"

Zhang Han pinched his fingers, muttered in his mouth, and calculated: "Yo! You can make a profit of 2 million gold in just one year! ”

After he calculated it like this, everyone's eyes suddenly lit up, "Well, if you calculate it like this, you really have to make money!" ”

"But what if the people don't pay it back?"

Ying Zheng thought for a moment and asked crucial questions.

"If you don't say that your father is wise, you can think of such an important issue!"

Xiao Zhengtai immediately gave a thumbs up.

Not to mention that in this era of rather chaotic household registration, even in the later generations, there are many old scoundrels who borrow money and do not pay it back, which is not shallow!

However, in this era of simple folk customs, there are still very few such people!

Most of them were the rich squires who relied on their own financial resources to oppress the poor people.

Relying on the two coins in hand, when they borrow it, they charge high interest.

So people in this era have formed a polarization, and the richer they are, the more they can rely on this money to make money.

The more money you have, the more you have to pay high interest, and you will work for creditors all year round, and you will never be able to turn over, and you will become poorer and poorer!

Therefore, setting up a money bank is definitely a good thing for the people!

"Father, the money of the money in the money village is definitely not a random person, empty mouth and white teeth, the upper lip touches the lower lip to take the money, there must be a house deed, title deed or other valuable things to make a mortgage, if it is really not paid within the specified time, the money bank can sell its collateral!"

These are all solutions that have been proven for many years, and they are absolutely effective and can avoid a large wave of old cheaters.

"Well, that's a great idea!"

Ying Zheng nodded approvingly.

"In addition to borrowing, the bank can also use the depositors' money to make investments, such as investing in railways, steam engine factories, textile factories, etc., but the premise is that there must be enough capital turnover to prevent people from suddenly withdrawing a large amount of money one day!"

"Invest money that people don't use for the time being? Haha, that's what your little brain can come up with! ”

As soon as Xiao Zhengtai's words fell, Ying Zheng laughed directly.

The capital is paid by the people, but the money earned from investment will go into the pockets of these shareholders.

The people only get a fixed amount of interest!

It's a great idea indeed!

Zhang Han, Wang Ben and others also nodded again and again!

"In addition, Erchen also suggested issuing silver tickets!"

"Silver ticket? What is this? ”

One after another fresh words and fresh ideas, Ying Zheng and others were overwhelmed.

"Like copper coins, you can circulate in the market and buy anything, but in a different form......!"

Xiao Zhengtai paused for a moment, took a sip of light green tea to relieve his greasyness, and continued: "Father, father-in-law, don't you think that copper coins really take up too much space? As long as you buy something a little more expensive, you have to use a horse-drawn cart to pull it! ”

"Even if it is replaced with gold cakes, every time the wine shop divides dividends, it has to pack several large boxes, and go to the mansions of several people, fortunately it is Xianyang here, the public security is better, no one dares to fight the idea of these gold, but if it is changed to a businessman, pulling several carts of copper coins back and forth, it is inevitable that there will be accidents, and the loss will be big!"

"What does this silver ticket look like?"

Several people blinked their eyes and asked curiously.

"Made of a special paper and special pigment, the size and width are about the same as an adult's palm, and can be divided into different denominations, such as one hundred, five hundred, one gold, ten gold, one hundred gold, so that even if you carry tens of thousands of gold, that is, a hundred or so pieces of paper, you can leave in your arms, no one can see it, it is very convenient!"

Xiao Zhengtai introduced several people in detail.

Before the printing press was studied, even if he knew about such a thing as a silver ticket, he would not dare to rush to propose it.

After this year of development, the printing technology has become quite mature, and it is completely possible to print silver tickets!

"Well, it seems to be really good!"

Kang Anping looked at his palm and began to replenish his brain.

"Made of paper? What if it's broken? Isn't this money just a waste of money? ”

Ying Zheng asked with a solemn face.

"Father, rest assured, the silver ticket is made of a specially treated paper, resistant to rubbing and waterproof, even if it is washed with the clothes, taken out to dry, it can be used, even if it is really broken, as long as the fragments are complete, come to the bank, let's exchange the new one according to the denomination and destroy the old one!"

"In this way, after everyone switches to silver tickets, in addition to being easy to carry, the imperial court does not need to mint so many copper coins every year, and these copper can be used in other aspects!"

Daqin has not many mineral resources, and a large number of coins have to be minted every year.

This makes the price of copper in the market even higher!

"Well, if you can develop such a paper, you can, but there is another problem, that is, counterfeiting, some people with bad intentions will definitely find a way to exploit loopholes, even copper coins they can make fakes, will this banknote be easier to counterfeit?"

"Father and the emperor can rest assured, copper coins can be exchanged for copper for other metals, if you are not careful, you may not be able to see it, but the whole Daqin can make paper, but only the paper mill of Erchen, even if others have also studied the method of making paper in the future, they may not be able to make this special paper ......!"

In this regard, Xiao Zhengtai did not have a trace of doubts, and explained with a smile, "In addition to the special paper, Erchen will also do double anti-counterfeiting on the silver ticket, one is the pattern on the silver ticket, and the other is the seal, which must be engraved with the seal of the money bank, and this seal will also be quietly anti-counterfeiting, as long as there is a little bit of wrong, it must be fake, and the money bank will never give exchange!" ”

"Well, as long as these two points are solved, this is a good idea!"

Solving the problem of counterfeiting and paper, Yingzheng nodded with satisfaction.

"In addition to providing deposit and lending services, the money bank can also split the silver ticket into copper coins, or exchange copper coins for silver tickets for free, without charging any fees, just for the convenience of the people, and at the same time can better manage copper coins!"

"Therefore, the establishment of a money bank is also a monopolistic business that benefits the country and the people, and you will definitely not lose money by investing in shares!"

Xiao Zhengtai glanced at everyone and said with a smile.

"Monopolistic business? What do you mean by that? Can't other rich people open money banks? ”

In this era, the imperial court paid extremely little attention to merchants, and there were no perfect laws.

Merchants have goods in their hands, and they can sell them to whomever they want, and they can buy them if they want to, and there are no licenses, laws, and the like in later generations!

So Zhang Han wondered, if some rich people saw that they made money, they also followed suit, and several people partnered to set up a money bank to collect interest from the people, wouldn't it work?