This is Lao Zhu practicing for the next examination to see if this can prevent the test questions from being leaked.
Zhu Bai didn't care at all what topic Lao Zhu chose.
First, I was afraid that if the topic was leaked, I would be suspicious of him again.
Secondly, it's because he is really not interested. He doesn't take the exam, and the people he wants to use don't need to be admitted through the imperial examination.
So why bother getting involved?
He slipped out of the palace early in the morning and went to the Guanya Bureau.
Sitting down in his exclusive room, he found that the paper on the table that he had left here yesterday was mostly written on.
What made him most angry was that this man deliberately placed his and Zhu Bai's words side by side on the table.
It’s like telling Zhu Bai: Your handwriting is too ugly. I can write better than you!!
Scholars can be killed, but not humiliated!
It's definitely not "teeth". The word "teeth" is not so childish.
It is even less possible for others. Unless he summons, no one dares to come in.
Who the hell is it?
Zhu Bai gritted his teeth and took a blank piece of paper and began to write stroke by stroke seriously.
Wealth and honor are busy grinding.
Zhu Bai said to Fugui: "Let the teeth grow."
After a while, the tooth came in.
Zhu Bai asked: "Besides you, who else entered this room yesterday."
When Ya Chang heard this, he became nervous: "Did you lose something? Only Nannan came in."
Zhu Bai paused and turned his head to look at the girl who was running around in the yard again, bringing tea and water.
So, this girl should come from a powerful family.
Otherwise, how would she have the chance to learn to write at such a young age?
Zhu Bai thought for a while and asked Fugui: "How many books have you brought with me that the master asked me to memorize?"
Fugui said: "Two or three copies."
Zhu Bai stretched out his hand, and Fugui hurriedly handed it over, still muttering: "Your Highness is planning to study hard. If the emperor takes the test at that time, Your Highness will be in trouble if he can't memorize it."
Zhu Bai took it but put it on the table, and then began to deal with the affairs of the tooth shop and Guanyin Village.
Fugui didn't know why and didn't dare to say anything.
Zhu Bai finished handling the matter and was about to leave. He said to Fugui: "Just put the book here, don't worry about it."
Fu Gui didn't think much about it, since there was still one in the palace anyway, and Zhu Bai didn't even memorize it.
------
After everyone took out the money from Yingtianguan Bank, they waited silently.
What are you waiting for?
No one knows either.
That day Zhu Biao asked someone to come to the Guanya Bureau to borrow a thousand taels of silver, saying he needed it for the imperial examination.
The eunuch tried to persuade him and even took out Zhu Biao's waist badge, but it was of no use.
The shopkeeper of Guanyin Village kept saying the same thing over and over again: "Without the permission of King Xiang, you cannot withdraw money without a banknote."
In the end, the eunuch could only leave in anger.
Then someone came to inquire and asked if it was true that the emperor had emptied the Guanyin Village.
The shopkeeper smiled: "If the emperor has emptied the official bank, where did the money you took out in the past two days come from? The emperor only advanced this month's profits."
When everyone heard it, it turned out to be so.
What kind of wicked person is talking nonsense?!
Merchants couldn't keep spending like this, so they gritted their teeth and started depositing money at Guanyinzhuang again. But this time it was not a long-term deposit, but a good idea of the goods, an agreement with the seller, and then depositing money. Then the seller would withdraw it immediately after getting the banknote.
come out.
After a few days of struggling like this, everyone got tired of it and slowly resumed depositing money in Guanyinzhuang.
Other places also cursed and deposited their money again.
Think about taking out a long-term loan at once and losing interest in vain.
Then Guanyinzhuang launched a new business, that is, you can borrow silver. However, borrowing money is not just a casual loan. You must first have a mortgage, such as the property deed, gold and silver jewelry.
Interest is charged on a daily basis and is slightly higher than the interest paid by Guanyinzhuang to long-term deposit customers.
Moreover, the amount borrowed cannot exceed 30% of the collateral, and if the principal plus interest exceeds 80% of the value of the collateral, it will be considered a breach of contract and the collateral will be confiscated directly to offset the debt.
If the borrower wants to get the thing back, in addition to handing back the money with interest, he will also have to pay the defaulted loan.
These will be written on the contract, Guanyinzhuang will stamp it and the borrower will fingerprint it, and the broker from Guanyin Bureau will act as the broker. It will be made in triplicate, each holding one copy.
Then a wise person will understand after doing the math.
Before, everyone didn't know why Zhu Bai opened a silver bank to help people look after their money and still wanted to give people interest.
Now I know that it was originally to earn the difference between deposit and borrow.
In fact, there is also private lending, but although the person who lends the loan can earn interest, he or she has to risk not getting the money back or the other party defaulting on the loan.
Now it's like Guanyinzhuang helps them lend money. Although the interest rate is lower, it is easy and guaranteed.
This time the turmoil in Guanyinzhuang finally subsided.
On this day, Lao Zhu went to court and told Zhu Bai not to run around and to discuss important matters.
Most likely I want to call him over again.
After the court broke up, Zhu Bai reluctantly followed Lao Zhu.
Lao Zhu sneered at him: "Tsk, tsk, you bastard, look at you like this, you could even have an oil pot hanging from your mouth."
The maids and eunuchs all snickered.
Zhu Bai sighed: "Father, how old are you? Can't you pretend to have forgotten me?"
Lao Zhu sneered: "Don't be so reluctant. Wait, you may come and beg us to let you do the work."
Zhu Bai smacked his lips: Impossible.
Sitting down in the Imperial Study Room, Lao Zhu said: "There is a Baoyuan Bureau in Yingtian, and there are also Baoquan Bureaus in various places, you know."
Zhu Bai thought for a while: "Yes. I know. It is for minting small coins and printing banknotes."
These games were stopped at the beginning of last year because he told Lao Zhu about the "gold reserve system".
I don’t know why Lao Zhu suddenly said this again.
Lao Zhu said: "We plan to restart them this year. I want to discuss it with you and see what you think."
Zhu Bai was helpless: I thought that this time the ups and downs of Guanyin Village would make Lao Zhu fully understand the basic principles of national currency issuance.
In the end, he was still like this.
Just asking Lao Zhu not to restart will definitely not work.
Lao Zhu is a docile donkey who is very rebellious, so you can only follow him.
Zhu Bai said: "It's okay to restart, but I suggest that these places can only mint money and not issue banknotes."
Lao Zhu frowned: "Why? Wouldn't it be great if we didn't issue banknotes randomly this time? We have enough money prepared."
No matter how much money there is in Guanyin Village, it does not belong to the court, but to the guests!
Those in the treasury are the ones.
Zhu Bai couldn't say this directly, so he could only say: "If we only cast copper coins, the copper mines are in our hands, and adulterated copper coins are easy to identify. If that fool helps us cast coins with real copper, we will not suffer a loss."
"
To put it bluntly, copper coins have their own value.
On the surface, you are buying things with copper coins, but in reality, you are still bartering for the same value.
Lao Zhu nodded slightly.
Zhu Bai added: "But it is difficult to control the use of banknotes at the same time. Even if we use expensive paper seals, we can't stop the rebellious ministers and traitors from using inferior ones. Besides, the thirteen chief ministers Si Tiangao and the emperor are far away.
When the time comes, if you disobey the emperor's orders and issue money indiscriminately, the court will bear the consequences."
In the 21st century, banknotes are so strong in anti-counterfeiting that there are still people who can make banknotes that look like real ones, not to mention the current backward anti-counterfeiting technology.
