Moreover, Zhu Qing gave Wang Zonglio face and exchanged it for ten thousand guan.

Although other businessmen have begun to cooperate with the court, when it comes to this matter, they are obviously unwilling.

After all, everyone’s money is not blown by the strong wind, so who is willing to exchange and hand over banknotes?

What if the imperial court rebels and bans the exchange of banknotes for copper coins?

Wang Zonglio thought for a while and said: "Guan family, the Jin people are selling things to us. Can we sell the goods to the Kingdom of Jin and get the copper coins back?"

Zhao Ning looked at him with a smile: "What do you want to sell?"

"silk."

"anything else?"

"Soap, sell the soap at a higher price!" Wang Zonglio was full of confidence, "I don't believe they won't buy it!"

"What if I buy it with old Liao money?"

Wang Zonglio was stunned: "This..."

He remembered that the Jin Kingdom fully accepted the richest place in the Liao Kingdom.

Although the Liao Kingdom also absorbed a large number of copper coins from the Song Dynasty, the Liao Kingdom itself also minted many copper coins and iron coins.

Moreover, the copper coins and iron coins of the Liao Kingdom were notoriously rotten and of poor quality.

The copper coins of the Song Dynasty contained more than 60% copper, and the copper coins of the Liao Dynasty had 30%, which was good, but the workmanship was poor.

If that were the case, a large amount of low-quality currency would inevitably flow into the Song Dynasty.

In ancient times, money was packaged together. It was bumpy and squeezed during transportation and was easily worn.

The currencies of the Liao Kingdom were easy to break after being used for a long time. If they were broken, they could no longer be used. If money flowed in, the Song Dynasty would have collected a lot of garbage.

Therefore, the trade system of the 12th century cannot copy the international trade system of the 21st century.

Because the underlying financial system is completely different.

Without banks guaranteeing currency, international trade cannot flow freely on a large scale.

If the Song Dynasty wanted to carry out large-scale dumping on neighboring countries and unify the currency, paper money and banks would be needed even more.

There is a bank, and if the banknotes are damaged, you can go to the bank to exchange for new ones.

Banks are the guarantee of financial credibility.

Wang Zonglio was in trouble.

Zhao Ning said: "I met a businessman who exchanged banknotes on the street today and told me the convenience of handing over banknotes. The only reason why people are unwilling to exchange banknotes at present is because they are worried that the court suddenly ordered that banknotes cannot be exchanged for copper coins."

"That's true." Wang Zongliu said suddenly, "Should we forcibly ban the use of copper coins on Gyeonggi Road?"

"No, if we impose a ban and everyone goes to the bank to exchange money, wouldn't it be overwhelming? Moreover, this will make other businessmen from all walks of life afraid to come to Gyeonggi Road to do business, which will be a fatal blow to the people's livelihood in Gyeonggi Road."

"I am stupid, I really have no choice."

Zhao Ning said: "In the next month, you will have people exchange banknotes at the bank, and then use the banknotes to exchange copper coins at the bank, and so on."

Wang Zonglio immediately became excited: "Does the official want to imitate Shang Yang and move to Mu Lixin?"

"If you go and strike up a conversation with a young lady on the street, what will people think of you?"

Wang Zonglio said: "Well, you might say, Lieutenant Wang, you are really romantic."

Bullshit! Fatty Wang! You are such a shameless bitch! How dare you mess with me!

"Then will he agree to go with you for the first time?"

"Probably not."

"When will I follow you?"

"When she understands that I, Lao Wang, am a gentle, considerate and courageous real man, she will definitely come with me!"

"Trusting relationships take time and frequency to cultivate, do you understand?"

"I understand." Wang Zongliu thought to himself, Guan Jia, you know it takes time, but you only gave me three months!

Zhao Ning asked: "So, how to deepen the trust between both parties?"

Wang Zonglio said: "It will deepen after you exchange it a few more times."

"That's just one of the things."

"Is there another way?"

Zhao Ning asked again: "What is the current revenue from soap?"

"Currently, soap's revenue is 80%."

“How low can the price of soap be?”

"If it is manufactured on a large scale, each bar of soap will cost 50 cents in the future."

"What percent of the revenue is left?"

"Twenty percent left."

In other words, the net profit is still 20%.

Capitalists in the 21st century will cry when they hear about this deal.

You know, the net profit of the richest man who builds houses is less than 0.5%.

Zhao Ning thought for a while and said: "Can more wealthy people deposit their money in banks and deepen cooperation with banks to deepen trust?"

"Yes, but..." Wang Zongliu couldn't keep up with Zhao Guanjia's thinking, "But why do rich people want to deposit their money in the bank?"

“What if the bank not only doesn’t charge their management fees, but also gives back interest every month?”

When Wang Zonglio heard this, he was immediately dumbfounded.

When rich people deposit money in banks, not only do they not charge management fees, but they also have to pay them money?

Official, did I hear you correctly?

Seeing Wang Zonglio's confused look, Zhao Ning said, "How?"

"Where did the Qianyi money returned to those people come from? This is a loss. Officials, please be careful!"

"What if the bank lends money to your young governor, and the monthly interest is six thousand?"

"The Young Master has money and does not need to borrow money..." Wang Zongliu realized this problem as soon as he finished speaking.

He immediately said: "But if more people go to the bank to save money, and they all deposit their money in the bank, if they deposit 10 million guan, they will pay 10,000 guan in interest every month. If the young master does not pay back 10,000 guan to the bank every month,

If there is a lot of money, the bank will lose money."

"If the Shaofu Jian wants to repay 10,000 guan to the bank, he will have to borrow at least 170,000 guan. The Shaofu Superintendent doesn't need to borrow that much money at all!"

And what if you save 20 million yuan?

Doesn’t the Shaofu Superintendent have to pay back 20,000 guan and find a bank to borrow 340,000 guan?

There is no need for this!

Can a young official earn 20,000 yuan a month?

Even if you earn 20,000 yuan, will you pay back all of it in bank interest?

Doesn't the young master's supervisor have no balance?

So I ended up working as a Shaofu Supervisor for those who deposited money in the bank!

Wang Zonglio, a profiteer, immediately settled this account clearly and clearly in his mind.

So this method of depositing money and getting rebates doesn’t work?

Zhao Ning said: "Who needs to take care of money?"

"Of course they are rich people."

The rich people in ancient times had a lot of wealth. Where did all their money go?

Of course, place it at home, in a cellar, or find a hidden place to bury it.

In the Ming Dynasty, after the emergence of banks, if you deposited money in the bank, you needed to pay management fees to the bank.

Therefore, saving money itself is also a pain point for wealthy people.

Zhao Ning continued: "Then you set up an access threshold. Anyone who saves more than 10,000 yuan will enjoy a monthly rebate of 1,000 yuan. The rest can deposit money into the bank for free."

Anyone who can save 10,000 yuan is a rich person. What proportion of the truly rich people account for the entire city of Tokyo?

Doesn’t this greatly reduce the amount of interest that needs to be paid?

In this way, bank expenditures can be afforded.

Ordinary people see that rich people are depositing their money in banks, and they will naturally follow suit.

And now the key point is to let rich people deposit money, deepen cooperation with banks, and establish multi-party trust relationships.

This is absolutely beneficial to the issuance of banknotes.

Wang Zongli suddenly said: "This is a good idea! And let those rich people deposit, and after the first month, the interest will be returned to them. Even if they want to withdraw the principal, you can also give it to them together, so that your credit will be improved in a short time.
Chapter completed!