When Wu Meiniang heard the concept of money bank, she couldn't help but have a look of confusion on her face.
The real emergence of money banks can be traced back to the middle and late Ming Dynasty.
Of course, in the original historical trajectory, within a few years, the prototype of a bank would appear in the Tang Dynasty, called a cabinet, which was mainly engaged in the storage and lending of valuables.
However, due to the chaotic management and the eventual intervention of the government, it did not really become a bank in the end.
And even this kind of cabinet shop has never appeared before.
Therefore, when Wu Meiniang heard Li Min's words, she couldn't help but have a look of confusion on her face.
Li Min smiled slightly and said: "In the bank, we can print two kinds of bills. The first one, we can print one, two, five, ten, fifty, and one hundred bills."
"These banknotes are issued by our Zhonghua Commercial Bank and can be used in any of our Zhonghua Commercial Bank stores. They can also be exchanged for copper coins in our bank. With these banknotes, we can greatly alleviate the burden of large-scale transactions.
pressure."
"The other way is to deposit a large amount of money in our bank. We need to register your identity and give him a deposit slip. With the deposit slip, you can withdraw cash at any of our banks, or exchange it for banknotes.
However, this deposit slip cannot be used for direct shopping."
After listening to Li Min's words, Wu Meiniang's eyes couldn't help but light up and she fell into deep thought.
After a long while, Wu Meiniang asked thoughtfully: "Your Highness, what will happen if some businessmen deposit money in our bank and their deposit slips are lost?"
Li Min smiled slightly and said: "It doesn't matter if he loses it. As long as he can prove his identity, we have the stub here and can completely issue a replacement deposit certificate for him. However, these deposit certificates are all numbered. His previous deposit certificates,
It was declared invalid."
Wu Meiniang then asked: "Your Highness, if he reissued the deposit certificate at my bank in Yizhou and withdrew the money in Yizhou. Then he went to Chang'an City and used the original deposit certificate to withdraw money, wouldn't we have to lose money?
?”
Li Min smiled slightly and said: "If the deposit certificate is lost, he needs to report the loss first, and a replacement will be given to him one month later. Within one month, we will notify all semicolons that his previous deposit certificate has been reported lost.
"
After hearing Li Min's explanation, Wu Meiniang couldn't help but nodded.
Next, Wu Meiniang asked many questions about the bank.
Li Min answered Wu Meiniang's questions one by one.
After a long time, Wu Meiniang finally had no more doubts, and only admiration for Li Min remained on her face.
Your Highness is really awesome.
The setting up of this bank was because I came to His Highness to find a solution due to the inconvenience of large-value transactions, and His Highness came up with it on the spur of the moment.
But even with the temporary idea, His Highness was able to take all the issues into consideration, which is really incredible.
Well, if Li Min knew Wu Meiniang's inner thoughts, Li Min would probably say that I was just standing on the shoulders of future generations.
There are really many benefits to opening a bank.
Not only does it facilitate transactions, it can also attract a lot of savings.
At that time, whether it is used for your own business or as interest, you will be able to make money from money and make a lot of profits.
At the same time, it can also stabilize society, promote people's cohesion and other benefits...
With the current foundation of China Commercial Bank, it is capable of opening a bank.
Of course, there are still two problems here.
The first problem is that to open a bank, you must get the support of the court.
This problem is not a big one. As long as you explain the serious relationship to your father, your father will definitely support you.
Another is that a higher level of physical currency must be found.
The currency system of the Tang Dynasty is still immature, far from the point of directly issuing banknotes as currency.
Otherwise, we can just issue banknotes directly like later generations, leaving behind the worry of using physical currency.
Now, we still have to use physical currency.
As for copper coins, their purchasing power is really low.
At this time, silver should be introduced and become the main currency in circulation.
Of course, with the current mining capacity, the silver reserves in the entire Ming Dynasty are extremely scarce.
At present, it does not have the ability to use silver as the main currency in circulation.
However, if it is combined with banknotes, you should be able to give it a try.
If you want to set up a bank, you need your father's permission and support.
Before that, it is necessary to list all the issues involved.
Next, Li Min found out all the processes of later generations of banks from the system, and then combined them with some characteristics of later generations of banks.
It took a whole day to completely perfect the bank's process.
Then, Li Min looked through it again, and there should be no problem now.
Li Min was planning to go back to Chang'an City the next day. It was now the end of the year and he just happened to go back to report on his work.
…
When Li woke up early the next morning, he found Di Renjie and Wang Xiaotong together, holding water ladles and arguing about something.
Li Min saw that both of their eyes were red, swollen and bloodshot.
Huo, these two people didn't sleep all night last night, right?
Li Min couldn't help but walked over, frowned and asked, "Did you two stay up all night?"
Seeing their master, both of them had a look of shame on their faces.
After getting up and saluting Li Min, Di Renjie said awkwardly: "Master, we are getting ready to go to bed!"
Huo, I really didn’t sleep!
Li Min couldn't help but ask: "What, have you calculated the volume of this water ladle?"
Upon hearing the master's question, Di Renjie's face showed embarrassment again.
After hesitating for a long time, he said: "Master, on this issue, the disciple and Master Wang have differences. The disciple believes that the bottom of the water ladle can be regarded as a sphere. The irregularities on the top can be divided into countless small ones.
Each space can be regarded as a sphere."
"Master Wang thinks that fuzzy mathematics can be used to calculate. Well, his theory is clumsy and difficult to understand, and his disciples don't think it is really useful. Master, which method do you think is better?"
What?
Fuzzy mathematics?
Darling, have you even thought of this thing?
Of course, the fuzzy mathematics that Wang Xiaotong thought of and the fuzzy mathematics in the later sense are definitely not the same thing.
Hearing Di Renjie's question, Li Min couldn't help but smile.
Next, Li Min found a cube container.
This was specially given by Li Min to Di Renjie for his experiments.
Then Li Min slowly scooped up a ladle of water, poured the water into the cube container, and said to Di Renjie:
"You can use a ruler to measure the size of this cube and you can calculate the volume of this water scoop."