Wu Guo has two outstanding economists, one is Ji Ran and the other is Fan Li, and the two have a master-apprentice relationship.

Not to mention, Fan Li retreated bravely after becoming famous in history, and his pseudonym was Yizi Pi, swimming between the seventy-two peaks.

During this period, he became rich three times in business and scattered his family wealth three times.

After the death of Fan Li, he was gradually respected as the God of Wealth, the Saint of Commerce, and the ancestor of Merchants, and many businessmen worshipped his statues and portraits......

Regarding the economic affairs of Wu State, Qingji often listened to the opinions of Ji Ran and Fan Li.

Seriously, Qingji is more inclined to worship Fan Li as Dazai and take charge of national affairs.

It's just that Fan Li wants to fulfill his best friend's language, so he deliberately refuses to accept it.

Fan Li's official residence is one of the three princes, he is at the level of the prime minister, and he is a very good minister, so why do you have to be a Dazai?

"The king, the minister has something to do!"

Fan Li stood up with a tooth wat in his hand.

"Please."

"The minister recently came to visit the people and found that Li Shu had a lot of troubles. For example, when money is kept at home, occasionally stolen or lost, merchants and merchants, or Li Shu defects to relatives, often carrying a lot of money, which is inconvenient. ”

After a pause, Fan Li said again: "Thanks to the great governance of my Dawu people's livelihood, although there are no robbers on this road, there is no robbery, no abduction, no mistakes, but it is inconvenient after all." ”

"Moreover, if it is a matter of lending, if the people want to engage in business, or if they want to become big, they have no capital, so they can only spend a few years, or even more than ten years, to start from scratch and accumulate property."

"There are money lenders and pawnshops in the private sector, which are very popular, and they often harm Li Shu, make people deceived, or carry heavy debts."

"What's more, Li Shu hides his wealth in his family, and his money can't make money, and he can't keep up with the changes in current affairs, and his family's money is afraid of depreciation...... This is where the people of the country are worried. ”

"In view of this, the minister thinks that my Dawu can set up a money bank, so that the people can store the money in the money bank, and only take it out when they need it."

"Anyone who deposits money in the bank can be given a receipt. Money deposited in the bank may have interest. ”

"Different degrees of interest are given according to different years. For example, the interest rate is 2% for one year, 3% for two years, and 4% for three years. ”

"In the future, with 4% interest as the criterion, the interest for five, 10, and 20 years is all 4%!"

"In order to avoid the situation that Li Shu cannot repay the loan, Qian Zhuang needs to send someone to consider the amount of loan according to Li Shu's personal property."

"Good."

Qingji bowed his head slightly and agreed.

In fact, Qingji discussed this matter with Ji Ran and Fan Li, and he had a specific plan, just waiting to be implemented.

The money bank is equivalent to a modern bank.

In ancient times, the long-standing diversified currency system and the mixed circulation of multiple currencies made currency exchange already exist in the Spring and Autumn Period and the Warring States Period.

The exchange business began to appear in the Western Han Dynasty and developed in the Tang and Song dynasties, and began to be operated by gold and silver shops and cabinet shops.

In the Yuan Dynasty and the early Ming Dynasty, the government wanted to exclusively issue paper money, and the people still used silver ingots and copper coins, silver, money, and banknotes in parallel, and a variety of public and private institutions and firms were also engaged in exchange business.

The interest rate on the deposit proposed by Fan Li is still very high.

You must know that the interest rate of the postal bank in later generations is 1.78% for one year, 2.25% for two years, and 2.75% for three years and above.

Compared with this, Wu's money village is definitely really benefiting people's livelihood.

"King, the money village can also be used as a pawnshop, and all the valuable items that Li Shu wants to pawn can go to the money village to exchange."

"However, a certain escrow fee will be charged for the pawned object, which will be based on the deposit interest rate, and if the original owner of the object does not come back after a certain time limit, the object will automatically belong to the bank."

"Good."

This is very advantageous for the bank.

After all, the money that can be exchanged for pawned items must be greatly discounted.

In order to prevent the eye, the bank must send a professional to identify it.

Moreover, a contract must be drawn up, signed and confirmed before it can officially take effect.

Fan Li said again: "King, the money bank can reduce the exchange business by half, gold can be exchanged for five baht money, five baht money can be exchanged for gold, the same value, the money bank can charge a certain handling fee." ”

"Just like a depositor withdraws money, the exchanger has to pay a one-thousandth of a handling fee. If the withdrawal is less than 1,000 yuan, there is no charge. ”

"In addition, the bank can also run a loan business."

"Depending on the time limit, the borrower has to return the money to the bank with interest."

"If you borrow for half a year to one year, the interest is three percent, if you borrow one to two years, the interest is four percent, and if you borrow more than two years, the interest is five percent!"

"Good."

That's reasonable.

After all, if the interest on the loan is not much, how can the bank be maintained?

How can you add additional revenue to the treasury?

Savings, savings, lending, and pawning are the basic roles of Wu Guoqianzhuang.

Qingji looked around for a week, looked at the ministers above the court, and said slowly: "Second and third sons, from now on, the money village will be established, nationalized, and hung under the rule of Zhisu Neishi." ”

"All lending and pawning are forbidden for people to make a living from this, and if they are found, they will be severely punished and will not lend, and all their family property will be confiscated and the family will be exiled!"

When it comes to private lending and pawning, Qingji still hates it.

Today, the commerce of Wu is so developed, and some disgraceful industries have also been derived.

For example, pawn shops, and some merchants, landlords, and even nobles gave usury.

This has led to many Li Shu suffering, and even their families are ruined.

And because of the written evidence, the Chinese people have no way to sue, and the government has nothing to do with them.

With the advent of money banks, corresponding legal provisions will also come into being.

"Literature, Zengdian."

"The minister is here!"

The name of the Zuo Prime Minister and the history of Zhisu stood up.

"I am solely responsible for the establishment of the bank. It was first tested in Chang'an County, and after three months, it was gradually promoted to the whole country, and it was necessary to have at least one money bank in one county. ”

"Qianzhuang is under the jurisdiction of Zhisu Neishi, which is different from the local government, and a complete operating system must be established, and the local government has no right to interfere in any affairs of the Qianzhuang."

"No!"

The establishment of the money bank is for the convenience of the people.

As for the benefits that the state finances can derive from it, Qingji does not attach much importance to it.

If it weren't for the fact that there is no sophisticated anti-counterfeiting technology in this era, and the time is not yet ripe, Qingji would even want to push out the silver ticket.

In the original history, silver tickets were freely issued by merchants.

The depositor delivers the cash to the shopkeeper, and the shopkeeper temporarily fills in the amount of cash deposited by the depositor on the roll made of paper, and then returns it to the depositor, and when the depositor withdraws the cash, he pays 3% of the interest paid to the shopkeeper for every 30 yuan of interest.

This kind of paper coupon that temporarily fills in the deposit amount is called a silver ticket."

At this time, the silver ticket is only a deposit and withdrawal voucher, not a currency.

With the development of the commodity economy, the use of "silver tickets" is becoming more and more extensive, and many merchants jointly set up silver ticket shops specializing in issuing and exchanging "Jiaozi", and set up silver ticket branches in various places.

Because the silver ticket shop abides by the credit, take it at any time, the printed silver ticket is exquisite, hidden as a mark, black and red between the wrong, handwritten words, others are difficult to forge, so the silver ticket has won a high reputation.

In order to avoid the trouble of transporting coins for large transactions between merchants, there are also increasing cases of direct payment for goods with silver receipts that can be turned into cash at any time.

It is in the process of repeated circulation that silver notes gradually acquire the character of credit money.

As a result, they began to print silver stamps in a uniform denomination and format and issued them to the market as a new means of circulation.

This kind of silver ticket is already a symbol of coinage, and it has truly become a silver ticket.

Qingji will not be achieved overnight, thinking of giving the Chinese people a little time to adapt, and only after the steps will the silver tickets be made, so that the silver tickets will be widely circulated with the money bank.

People in this era are still very honest.

Loyalty, filial piety, benevolence, wisdom, courtesy, righteousness, and faith are the marks engraved in the bones of Chinese people.

The most honest and exemplary person is none other than Qingji's uncle Jiza......

Therefore, Qingji does not have to worry about someone daring to forge silver tickets, and will forge silver tickets.

Because counterfeiting silver tickets is a difficult thing in itself.

The corresponding anti-counterfeiting technology can be developed by Wu Guo.

The establishment of the money village is also a means for Qingji to bind the people.

Why?

The wealth of the country is concentrated in the money bank.

One day, if the state of Wu is on the verge of collapse, the country is in chaos, and the monetary system will definitely collapse.

At that time, where will the people of the country go?

or find ways to help Wu Guo tide over the difficulties, help the building to collapse, and turn the tide in the fall.

or simply give up his body and dare to pull the emperor off the horse.

Because, when it comes to that kind of crisis, Wu will inevitably use the money in the money bank as military expenses......

It's like a person who owes trillions to the bank, and you dare to let him hang up?

If he is alive, he may be able to pay back the money in the future, and when he dies, everything will be for naught.

That's the truth.

Qingji has good intentions in setting up a money bank.

At least, if the wealth of the Chinese people can be concentrated in the money bank, Wu can rely on the money in the money village to make money, and can continue to wage wars with foreign countries, and after the wealth is plundered, the money will be returned to the money bank.

This is a virtuous circle.

From now on, Wu Guo will no longer have to worry about running out of money to spend.

Of course, the premise is that the hole can be filled, otherwise it will be a vicious circle.

All in all, the existence of Qian Zhuang is a "double-edged sword" for Wu Guo.

In Qingji's lifetime, he basically won't use the money in the money bank-

Not necessarily.

It's hard to say about the monarch of the future, but Qingji has already helped them tie up the countrymen.

As for whether the nations will follow the example of Wu to set up a money bank, this is not something that Qingji has to consider.

The vassal states of Qi, Song, Lu, Wei, and Yan are now all struggling to survive, like grasshoppers after the autumn, and it won't take long to jump, who dares to save money in it?

That's probably going to be a waste.

Li Shu is not a fool of a good lake.

To set up a bank, it is impossible to set up a money bank without enough credibility.