Lian Zixin walked into the city lord's mansion rubbing the dark circles under his eyes.
Chen Tian pointed to the stool, and seeing this appearance again, he said with concern: "No matter how busy you are, you must pay attention to your health."
"Thank you, God, for your concern." Lianzi Xin sat down and bowed his hands, "Recently, the shogunate has been building up a navy, and troops have been used frequently. The official offices of the headquarters are also following suit. Once the shogunate gets on the right track, it should be much more leisurely."
"Thank you for your hard work." Chen Tian poured him iced sour plum soup and talked about business, "When you were working in Beicaoxi Caravan, I heard that you intended to set up a bank. How is the progress?"
Lianzi Xin did not serve as the deacon of the city lord's mansion right from the start.
He used to be the chief bookkeeper of Beicaoxi Caravan, and at the same time he was sorting out information for Ghost Lantern, so he was little known.
Later, because of his outstanding ability, he was gradually promoted to the city lord and deacon. During this period, he learned management experience from Tong Ruoran. His growth to this day is really the result of hard work and hard work.
"The bank? It's just that the stalls are spread out, but it's not a big deal yet." Lian Zixin thought about it carefully and added, "The Beicaoxi caravan is subordinate to the city lord, and there are official documents for trade transactions. In fact, there is not much demand for the bank.
.”
"not to mention."
"The Liusha Chamber of Commerce was also occupied by Yin Jianyuan, and its vitality was greatly reduced. As a result, private trade also dropped sharply, and the bank only served as a warehouse."
The northern region of Cangxi is already desolate and remote, and the largest trade route for foreign trade is actually the Snowfield Demon Clan. Currently, only Beicaoxi and Liusha have the strength to travel thousands of miles to transport goods to the north of Yanshan Mountain.
But the quicksand was gone, and Beicao River was mainly responsible for attracting refugees. At the same time, because of the imminent war, there was no intention to go north.
Therefore, the two largest commercial organizations in the northern region of Cangxi were shut down, and the remaining merchants who were doing business had mostly no way of living.
In the midst of the depression, of course banks that relied on commerce could no longer operate. Usually, as Lian Zixin said, they just helped ordinary people save their spare money, which was really no more than a warehouse.
"Should the Lord make changes to this?"
"I have some ideas." Chen Tian nodded, looked sideways at Lian Zixin, and said solemnly, "I'll give you a debut question. If you understand it thoroughly, you will be rewarded."
"Speaking."
"Now a wealthy businessman walked into a run-down village. He took out half a tael of silver and stayed in an inn. After the innkeeper took the money, he hurried to the butcher's stall to pay off the butcher's credit."
"The butcher hurriedly went to the rice store to pay off the credit, and the owner of the rice store went to the blacksmith to pay off the credit. Finally, the blacksmith also paid off the credit at the inn because he was treating guests to dinner."
"But right now."
"The wealthy businessman walked around the upstairs of the inn. He felt dissatisfied and had to pay back half a tael of silver to check out."
"During this process, the debts between everyone were actually written off, and the wealthy businessman did not lose any money. So what is the use of the half a tael of silver?" Chen Tian finished his words and stared at Lian Zi Xin intently.
"Uh this-"
Rao Shi Lianzi was familiar with official documents and well-informed, but when faced with such a problem, he still looked at a loss and fell into deep thought for a long time without saying a word.
Chen Tian was not in a hurry, he picked up the tea cup and sipped it slowly, waiting for him to think.
After a long time.
Willow branches on the moon.
Lianzi Xin finally had some thoughts and tried to say: "This half a tael of silver has neither increased nor decreased. It seems that like a wealthy businessman, he is just a passerby."
"But it clearly serves as a settlement medium, leaving deep traces, allowing services and goods produced between people to be fixed in the form of half a tael of silver and exchanged back and forth."
"So, half a tael of silver itself has no value, but everyone believes that it can carry value, and they are willing to work hard in exchange for worthless silver."
At this point, Lian Zixin felt that he had finally grasped the key and was full of confidence: "Based on everyone's consensus, silver has the effect of circulation. In short, half a tael of silver measures the value of everyone's labor."
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"As a result, bartering for goods ruined villages and towns, and eventually turned into bartering for money due to the emergence of silver."
"And this is exactly the circulation function of half a tael of silver." Lianzi Xin said firmly, "It is also the reason why the deity is preparing to transform the bank."
After listening to these analyses.
Chen Tian applauded and sincerely praised: "Zixin is really a great talent. It is a blessing for the people of Yongtai City to have you."
"The Lord is overly praised." Lian Zixin clenched his fists excitedly, his eyebrows dancing with joy. It was not easy to get praise from the man in front of him. It was worth having half a bottle of wine before going to bed tonight.
He smiled, bowed and asked again: "How does the deity plan to reform the system? Are you planning to hand over the gold and silver to the bank to pay for various expenses of the city lord's palace?"
Since he wanted enough gold and silver to circulate in Yongtai City, in Lian Zixin's eyes, the only option was to delegate the household functions of the city lord's government office to banks.
In this way, gold and silver can be distributed quickly and loans can be made accordingly, effectively solving the dilemma of various industries that are in urgent need of expansion capital.
certainly.
The lending he refers to is not usurious loans made by unscrupulous landlords to exploit ordinary people, but to stimulate ordinary people to expand production and shorten the cycle of capital accumulation.
But his focus is obviously biased.
Because the restructuring that Chentian wants to make is not just a trivial matter, but an unprecedented change.
He closed the tea cup and said frankly: "I am going to replace gold and silver with white paper and become a currency that can be circulated all over the world. It will go anywhere from the vast snowfields in the north to the southern border of Taotao."
"This..." Lianzi Xin was stunned, "blank paper?"
"Gold and silver have been around since ancient times and are used for everything. How can a piece of white paper convince all living beings?"
Common people work hard for their own benefit, just to earn half a tael of silver. If you were suddenly told that a piece of blank paper can be exchanged for firewood, rice, oil and salt, would they believe it?
Lian Zi Xin has always had great respect for Chen Tian, but in this matter, he felt it was somewhat unrealistic.
"Of course all living beings won't believe it right away." Chen Tian knocked on the tea table and explained, "But there are definitely people in Yongtai City who believe it, and there won't be any doubts."
"Zhongyi Village?"
"That's right."
"Dare to ask the gods for advice."
"It's very simple." Chen Tian said with a smile, "Recently, haven't the government offices been cooperating with the military aircraft shogunate in distributing pensions to the navy? Let's start here."
"For example, if a white paper bill can be exchanged for a top-quality plaster, do you think the person receiving the bill will agree that this white paper bill is equivalent to a top-quality plaster?"
Lian Zixin nodded without hesitation: "Of course I agree. The credibility of the City Lord's Mansion has never been low. Since we have policies, we must implement them to the end."
"That's right." Chen Tian followed suit, "The pensions issued by the City Lord's Mansion will definitely include more than just plasters, and there will be other things as well. So, in the eyes of ordinary people, the white paper bills will naturally be equivalent to these things."
Hear this.
Lian Zixin suddenly became a little confused.
"But, the world is so big, there are more than tens of millions of materials? It's impossible for the City Lord's Mansion to have a large reserve of everything, right?"
"You are overestimating yourself." Chen Tian reminded, "Since the world has already recognized one thing and can exchange it for other things of equal value, why should we bother with it?"
Lianzi Xin suddenly realized: "The Lord is saying that as long as our white paper bills can be freely exchanged for gold and silver that have been available since ancient times, this will be the case?"
"Almost, but there is another thing that can be considered hard currency."
"Spiritual stone?"
"Correct answer." Chen Tian nodded slightly, "Spiritual stones are more valuable than gold and silver. As the spiritual energy becomes increasingly depleted, the white paper we bind to the spiritual stones is far better than gold and silver."
Lian Zi Xin Naoran seemed to see the treasure house door slowly opening.