"Great Song Royal Bank."

When the magnificent signboard was erected in the royal street, the entire Kaifeng City was in an uproar.

In this era, the royal majesty is inviolable, coupled with the legend of Chrysostom and Yuyan of the emperors of all dynasties, which suddenly made the people a little more in awe of the so-called Royal Bank of the Great Song Dynasty.

"What is a bank?" Some people wondered, after all, this was the first time that a bank had appeared in the world, and the people had never heard of it.

"It's not simple, the bank is the guild of silver." A merchant said with a solemn face.

"The Guild of Silver." The people of Kaifeng all smacked their tongues.

In the Great Song Dynasty, all the guilds that can be called are large commercial institutions, and as soon as the word bank came out, its majestic momentum immediately came to the face.

Not to mention that this bank is named royal, which makes everyone daunted.

Immediately, news came that the person in charge of the Great Song Royal Bank was the evil doctor Fan Zheng, who was in charge of the Great Song Dynasty minting money, flying money, and Qingmiao money, and was also responsible for issuing treasury bonds!

"The official family ordered that as long as the Great Song royal family was still in the day, every bill of the royal bank would be paid."

"In Kaifeng City, the doctor will transfer all the treasury bond business to the Great Song Royal Bank!"

……………………

With the news coming one by one, the popularity of the Great Song Royal Bank is getting higher and higher.

The Great Song Dynasty Royal Bank has Fan Zheng, who has become a successful forensic doctor, and has the guarantee of royal credibility, and then annexed the three cornucopias of the imperial court, it can be said that it has gathered the strongest reputation in the world, if this can also be relied upon, then I am afraid that there is nothing in the world that can be believed.

At the moment, the people of Kaifeng no longer had any worries and went to the Royal Bank of the Great Song Dynasty to buy treasury bonds.

At the same time, under the integration of the powerful forces of the imperial court, the imperial banks of Xijing Luoyang, Nanjing Yingtianfu, etc., and the major cities of the Great Song Dynasty sprung up like mushrooms after a rain.

Under the joint reputation of the royal family and the doctors, the Royal Bank was quickly trusted by the people of the Great Song Dynasty, and in just one month, 10 million yuan of treasury bonds had been sold out.

"Enlighten the official family! Wechen lives up to its mission! The 10 million Treasury bonds have been sold. ”

After Fan Zheng escorted tens of millions of huge fortunes to the household department, he personally came to the political hall to report to Zhao Xu.

The hundreds of officials of the Manchu Dynasty all looked at Fan Zheng in a complicated way, although Fan Zheng messed up with the evil side and acted unexpectedly, but his evil side was still invincible, and the helpless matter of the Manchu Dynasty officials was solved in the hands of Fan Zheng.

"Good! Fan Aiqing is really efficient. ”

Zhao Xulongyan Dayue, with this tens of millions of national debts, it is enough to greatly alleviate the stretched finances of the Great Song Dynasty, and he can also do more things.

"Qi Qi official, now that everyone praises the treasury bonds, they have been sold out in just one month, and the minister thinks that some more treasury bonds can be issued appropriately." Cai Jing saw the opportunity and spoke again.

Cai Jing's words suddenly made Zhao Xu's heart flutter, although the Great Song Dynasty issued 10 million treasury bonds, but it was necessary to repay last year's treasury bonds plus interest, and there were not many that could be controlled by the imperial court.

Since the people support it, the imperial court can issue some more treasury bonds, which is enough for the imperial court to do more things.

"The minister is against!" Fan Zheng immediately objected.

Cai Jing frowned and said: "Why did Fan Taicheng say this, didn't you say that as long as the imperial court can afford to repay the money, even if it is to borrow tens of thousands of yuan, now the Royal Bank is in charge of the money casting supervisor, flying money, and Qingmiao money, and the principal of Qingmiao money alone is fifteen million yuan, not to mention the two cornucopia of money casting and flying money, not to mention the discovery of 10 million guan treasury bonds, even the issuance of fifteen million guan, or even 20 million guan. ”

The officials of the Manchu Dynasty couldn't help nodding slightly, the royal bank has an extremely strong foundation, and there is no problem in issuing more treasury bonds in an appropriate amount.

Zhang Dian took the lead in nodding and said: "The ministers agree, as far as the ministers know, many businessmen in the private sector buy treasury bonds, and even use them for bulk commodity transactions, which shows that the people have a lot of demand for treasury bonds, and there is no problem in issuing more of them. ”

The officials of the Manchu Dynasty couldn't help but move slightly, and today's national bonds are simply more popular than the official Jiaozi of the year, and if used properly, they can even replace the official Jiaozi and become a new kind of paper money.

"Banknotes?"

Fan Zheng couldn't help twitching the corners of his mouth, he didn't expect that the imperial court had not yet given up the idea of paper money, and was ready to replace the official Jiaozi with the national debt.

Fan Zheng shook his head and said: "Qiqi official family, the Great Song Dynasty lacks copper coins, and the land of Sichuan and Shu uses iron money, which is inconvenient for transportation, which gave birth to Jiaozi, but it is such a congenital deficiency, so Jiaozi cannot be promoted in the Great Song Dynasty, and Jiaozi is destined to decline." ”

Although the emergence of paper money is the general trend of the coinage industry, its appearance in the Great Song Dynasty is a product of deformity.

Zhao Xu's face changed, the appearance of Jiaozi is a very special situation in the land of Sichuan and Shu, the failure of Jiaozi is on the one hand due to the congenital deficiency of Jiaozi, on the other hand, it is the greed of human nature, of course, this also includes the merchants who issued Jiaozi, as well as the government.

"However, this matter is not without a solution, there is one party, which can not only solve the lack of copper in the Great Song Dynasty, but also meet the large-scale transactions of the people." Fan Zheng said confidently.

"Fan Aiqing, please speak!" Zhao Xu said happily.

"Mint new coins!" Fan Zheng said solemnly.

"Minting new coins? Wouldn't that still require copper? How to alleviate the lack of copper in the Great Song Dynasty. Cai Jing sneered.

Fan Zheng shook his head and said, "What Fan is talking about is not a copper coin, but a silver coin!" ”

"Silver?"

The hundred officials couldn't help but be in an uproar, and looked at Fan Zheng in confusion.

Fan Zheng nodded and said, "Not bad!" For a long time, the currency of the Great Song Dynasty was the copper standard, of which gold and silver were used as auxiliaries, and now the imperial bank has been formed in the middle of the court, which is naturally based on silver. ”

"Copper standard!"

"Silver standard!"

Although these financial terms appeared for the first time in the Great Song Dynasty, the elites of the Great Song Dynasty were all in the court, especially the New Party, which was a group of financial experts, so it was natural to understand this at all.

"But my Great Song already has silver ingots and gold ingots, not without silver coins!" Lu Dafang frowned.

Fan Zheng shook his head and said: "Although silver ingots can replace silver coins, traditional silver ingots are not easy to carry, soft in texture, and easy to wear, not to mention, silver ingots are extremely valuable and not suitable for circulation." ”

The Manchu Dynasty officials nodded their heads, which is the reason why silver ingots are not suitable for circulation, and the settlement of the Great Song Dynasty is usually dominated by copper coins.

"In the people, most of the circulation is broken silver, which shows that the people need to trade between small amounts of silver and copper coins, and the broken silver is of different fineness in different places, and it is difficult to accurately estimate its value, which often causes disputes. With the help of the Royal Bank, the minister is ready to collect the world's silver, re-smelt and cast into silver coins, like copper coins, with a fixed weight, and the same value, each silver coin is slightly less valuable, equivalent to 100 copper coins, so that it can greatly facilitate private trading, and can save a lot of copper consumption. Fan Zheng said solemnly.

Fan Zheng has a deep understanding of the currency disadvantages of the Great Song Dynasty, one or two silver can be exchanged for 1,500 copper coins, it is almost impossible to make change, broken silver is the main force of daily transactions, he presided over the Royal Bank, the new official took office three fires, the first fire is the issuance of silver coins, completely changing the status quo of inconvenient money transactions.

"Broken silver, silver coins!"

Baiguan nodded slightly, they naturally understood the current situation of the Great Song Dynasty's money, if there was a silver coin that could be exchanged for copper coins in equal amounts, it would naturally be extremely convenient.

"This is the prototype of the silver coin that Wechen asked the minting supervisor to make! Please also ask the officials and ministers to take a look! ”

At that moment, Fan Zheng stretched out his hand and waved dozens of prototype silver coins for Zhao Xu and the officials of the Manchu Dynasty to watch in person.

Baiguan picked up the copper coin in front of him and glanced at Fan Zheng deeply, Fan Zheng was so well prepared, he had obviously been planning for a long time.

"This is the silver coin?"

Zhao Xu looked at the exquisite silver coin in front of him, and couldn't help but be curious, only to see that the silver coin had a round word written on it, and there was a clear pattern next to it, and it said the second year of Shaosheng written below, and there was a clear human head on the back of the silver coin, which was a little similar to himself.

"This is the First Emperor!"

The hundred officials carefully probed, and they couldn't help but have a flash of inspiration, this avatar was the First Emperor Divine Sect.

Lu Dafang picked up the coin in his hand and reprimanded angrily: "Fan Zheng, you are so bold that you actually printed the portrait of the first emperor on the silver coin, which is a great disrespectful crime. ”

Fan Zheng explained: "Lu Dafang misunderstood, if you want to promote silver coins, natural fidelity is the first element, if you want to be authentic, then you have to increase the cost of minting fake money, so Fan will add various patterns to the silver coins, and the most complex patterns are natural people. ”

"Then you can't print the emperor's head on a silver coin." Zhang Dian also took the opportunity to fall into the stone road.

Fan Zheng spread his hands and said: "The silver coin is issued by the Royal Bank, and printing the head of the first emperor can make the credibility of the silver coin higher, and the name of the official family is Shaosheng Shaoshu, which is also to express the remembrance of the first emperor. ”

In fact, Fan Zheng's best choice is to use the avatar of Zhao Kuangyin, Taizu of the Song Dynasty, but the official lineage is Zhao Kuangyi, and the silver coin can only choose to use one of them, which is easy to cause disputes, and its practical avatar of Zhao Xu is also suitable, and the avatar of the living person in the Great Song Dynasty is unlucky, and finally chooses to use the avatar of the first emperor Shenzong.

Zhao Xu looked at the portrait of the Divine Sect on the silver coin, and couldn't help but fall into a trace of memory, and said after a long time: "The silver coin is the foundation of the country, if the father is in the spirit of the sky, he will definitely be extremely pleased." ”

With Zhao Xu's final word, the controversy over the avatar of the Divine Sect came to an end.

Fan Zheng continued: "Second, in order to solve the shortcomings of silver coins that are too soft and easy to wear, the coinage supervisor uses the ratio of silver nine bronze to mint silver coins, which not only ensures the silver content of silver coins to ensure the value of silver coins, but also increases the hardness of silver coins to reduce wear. ”

"Silver nine bronze one."

Hundreds of officials are excited, silver nine bronze one, doesn't that mean that the imperial court can earn a silver coin for every ten silver coins minted, once the silver coins are issued, the money prison is not a source of money.

Even Zhao Xu couldn't help but feel excited, if he followed Fan Zheng's method, Da Song would increase a lot of money in a short time.

Fan Zheng reminded: "This kind of good thing can only be a hammer deal, after all, silver is much less than copper coins, and the silver of the Great Song Dynasty can be melted in two years at most, and in the future, the imperial court will also need to collect some seriously worn silver coins and re-smelt, which are the expenses that the imperial court needs to bear in the later period." ”

The officials of the Manchu Dynasty had no objection to this, after all, that was already a problem in the future, and the current minting of silver coins to alleviate the financial crisis of the Great Song Dynasty was the current top priority of the Great Song Dynasty.

Cai Jing saw that Fan Zheng's evil party once again moved the hundred officials, and he was immediately dissatisfied, and immediately picked a bone in the egg and said: "Although the silver coin is good, it does not have the tradition of the Great Song Dynasty coinage on the outside and on the inside, I'm afraid it is not suitable to carry it!" ”

Fan Zheng laughed and said: "The copper coin is round on the outside and square on the inside, because the copper coin is of low value and needs to be carried in large quantities, which requires the casting of square holes to wear consistently, and the consistent copper coin is full of five catties, and a silver coin can be exchanged for Baiwen money, and ten silver coins only have one or two, so convenient to carry, naturally do not need to be perforated, and can also reduce the wear and tear of silver coins." ”

Cai Jing frowned, wanting to refute, Fan Zheng understood what he meant, and immediately said: "If there is a large amount of silver dollar transactions, you can use the Royal Bank's flying money business, the Royal Bank is recently preparing to reform the flying money business, charging a handling fee of two percent per 100 coins, and a maximum of one silver coin." ”

One silver coin is only a hundred dollars. Although the remittance business in later generations was up to 50 back covers, but at that time, paper money was prevalent in later generations, coupled with the development of information, it was extremely convenient to remit money, while in the Great Song Dynasty, information was not developed, even if the silver taels were relatively lighter, a large number of transportation still required a lot of manpower and material resources.

"Even if it's Wanguan, it only needs one silver coin!" Cai Jing was incredulous.

Because he knew that the cost of a silver coin was only the cost of five guan flying money, and if it exceeded more than fifty guan, the imperial court would definitely lose money.

Fan Zheng nodded and said: "Fan recently looked through the records of flying money in the past ten years, and found that the flying money business is only 20% larger than 5 times, and 80% is below 5 times. ”

Baiguan nodded slightly, the imperial court set the rate of flying money at one out of ten, but no businessman was willing to use the imperial court to fly money, and finally had to set the rate of flying money at two out of a hundred.

"Rather than this, why not push the boat down the river, and take Baiwen money as the highest flying money fee, which is enough for a large number of merchants to choose the flying money business, exchanging price for volume, as long as the businessmen frequently use the flying money business, Fan believes that the income of flying money will not decrease but increase." Fan Zheng said confidently.

The officials couldn't help but be skeptical.

Seeing this, Fan Zheng thought again and again: "Moreover, now is the critical period for the imperial court to mint silver coins, where does the silver come from, naturally from the people, now the interest of the flying money is capped, and the merchants of the world will definitely use the flying money, and even the large amount of money to use the flying money, so that the people put into the royal bank is the silver spent in vain, and the royal bank pays the new silver coins." ”

Obviously, the higher the amount of money that merchants used to transfer money, the higher the proportion of silver, so that the profit of minting new silver coins from private silver alone would far exceed the profit of flying money.

The hundred officials calculated slightly in their hearts, the profit of silver coins is one-tenth, and the profit of flying money is two percent, which is more and which is less is naturally clear at a glance, so that the court will benefit, and the people will be happy, and they will all be happy.

Fan Zheng smiled slightly when he saw this, as a result, the flying money business skyrocketed, even if it was capped at 100 yuan, when the profit of flying money far exceeded before, naturally there would be no objections. (End of chapter)