After listening to Emperor Chongzhen's question, Liu Weichao's first reaction was to say with a smile: "This is very simple. Just don't transport it back. You can open a bank!"
"What?" Emperor Chongzhen asked in confusion after hearing this, "Bank? What does it mean? This is the first time I heard it!"
When Liu Weichao heard this, he smiled and continued: "The bank was your money bank and bank account at that time! This thing is very profitable. Use money to make money and regulate the economy. It is an indispensable industry for a country!"
As soon as he heard this, Emperor Chongzhen became very interested. He had never heard of banks, nor did he know about banks, but there was already a bank account in the capital, so he had heard of the word. As for the specifics, he
Not very clear either.
Therefore, he quickly asked: "Then tell me, this bank makes a lot of money, how can it make money?"
He is most concerned about making money.
Liu Weichao smiled after hearing this and said immediately: "The largest bank here belongs to the state. I guess you can't guess how much money you can make in a day!"
"Ten thousand taels? Or twenty thousand taels?" Emperor Chongzhen was thinking. According to Liu Weichao's tone, he might be able to make a lot of money, so he simply exaggerated and replied, "It's impossible to make a hundred thousand taels a day, right?
"
"Hahaha..." Liu Weichao laughed happily after hearing this.
"..." As soon as Emperor Chongzhen saw this, he realized that he seemed to have guessed wrong again. It was estimated that it could be 200,000 or 300,000? How much can he earn in one day? He was a little speechless.
After Liu Weichao finished laughing, he stretched out a finger and signaled to Emperor Chongzhen: "I'll give you one last chance to see if you can guess it?"
When Emperor Chongzhen heard this, he was a little dumbfounded.
One finger. He had guessed one hundred thousand taels just now. This answer was wrong, but it was just one finger. If you go further, it would be one million taels.
Thinking of this, he asked a little uncertainly: "Is it one million taels? Are you sure you mean one day, not one month, or one year?"
His treasury's annual income is only over two million taels, but there are ticket accounts that can earn one million taels a day. To be honest, he wouldn't believe it even to death.
After hearing this, Liu Weichao didn't laugh out loud this time. He kept a little grace. He just smiled and said: "It's still wrong, but one billion. Of course it doesn't happen every year. Anyway, he makes about one billion every day, which is 100."
Ten million each.”
"..." Emperor Chongzhen was really dumbfounded when he heard this. At this moment, the only word he could use to describe it was dumbfounded.
In one day, he could earn 100 yuan and ten million taels, which was completely beyond his imagination!
If nothing else, if he could transfer ten million taels a year, the Ming Empire would not have perished!
Seeing his expression, Liu Weichao immediately smiled and added: "Of course, you use silver to calculate, and I use my currency to calculate. There is still a difference here. If we just calculate based on the silver price
If so, although it is not accurate, a rough calculation would probably be two million taels."
Hearing this, Emperor Chongzhen couldn't help but breathe a sigh of relief. He was really relieved, not so much originally!
However, as soon as he thought about it, he was dumbfounded again.
Earning two million taels a day is not that much? This is one day, nothing else, just one day!
Thinking that his one-year treasury income only took two days, Emperor Chongzhen couldn't help but feel very envious.
Naturally, he became very excited about the idea of opening a bank.
So, Emperor Chongzhen said eagerly to Liu Weichao: "Well, let's talk about this bank. How should I open this bank?"
After hearing this, Liu Weichao understood his mood at this time and did not offend him. He immediately answered him: "It's actually simple. The main thing is to earn the interest difference, at least the bulk of it is this."
"What? What interest rate difference?" Emperor Chongzhen didn't understand after hearing this, so he quickly asked.
He had to figure this out. If he were in school, he would be the most serious student at this time.
Seeing him like this, Liu Weichao immediately explained to him: "It's very simple. Let me give you an analogy. For example, if you come to me to save money, I will give you one point of interest; but if you come to me to borrow money, then I will
Charge two cents of interest; the difference in interest between saving money and borrowing money is the bank’s profit!”
When Emperor Chongzhen heard this, he was very surprised and didn't understand, so he asked: "Can you make so much money? It's impossible!"
That's right, he really didn't believe that he could make so much money just like this!
Upon hearing what he said, Liu Weichao was about to answer immediately, but suddenly thought of something, so he changed his mind and said: "In my world, of course it is possible. But in your world, it should really be impossible!"
"Why?" When Emperor Chongzhen heard this, his expression turned serious and he asked quickly, as if Liu Weichao was robbing him of his money!
Liu Weichao listened and patiently explained to him: "Because the economic foundation is different. In my world, one year's GDP..."
At this point, he finally checked before continuing to answer: "More than 100 trillion yuan, and whether you have 100 million or not is a question!"
"What is a chicken fart?" Emperor Chongzhen asked in confusion upon hearing this.
"That's the GDP!" Liu Weichao explained after hearing this, then remembered something, shook his head and said, "By the way, I remembered it again, I'm afraid you won't be able to open a bank at this time!"
Emperor Chongzhen was wondering what GDP was, but when he heard his last words, he immediately became anxious and asked quickly: "Why, why can't I open this bank?"
Liu Weichao heard this and immediately said to him: "Don't be anxious, don't be anxious, just listen to me!"
"Okay, I'm all ears!" When Emperor Chongzhen said this, he realized that he had lost his composure, so he quickly calmed down and answered Liu Weichao.
Just listen to Liu Weichao say to him: "Where you are now, it is a war era. The people are in dire straits, the social order has been destroyed, and the economy cannot develop. And banks seem to be a new thing to you. If I am not wrong,
If you have the bill number at that time, you will have to pay storage fees when others deposit money. In addition, there are also problems with your currency, and you still use primitive weighing methods, etc., which will also restrict you from opening a bank."
After a pause, he thought for a moment and then continued: "If you really want to open a bank, of course, with the development of the times, there will definitely be banks. I mean, if you really want to open a bank, you
Do it step by step!"
"How to do it step by step?" At this time, Emperor Chongzhen calmed down after he said this and asked quickly.
Liu Weichao thought about it and replied: "First of all, you have to rebuild the prestige of the court, right? This is the first step. Without prestige, if others don't believe what you do, what's the use?"
Nowadays, Emperor Chongzhen can no longer guarantee that the imperial decrees will be implemented at the local level. There are no longer too many things that are violated openly and secretly.
Moreover, because of the large-scale rebellion caused by the bandits and the fact that the imperial officers and soldiers acted like thieves and bandits, the prestige of the imperial court was further damaged.
In the past, Emperor Chongzhen might not have been able to see this problem clearly. But now, he was well aware of it.
After hearing Liu Weichao's words, he nodded and said nothing. He just kept looking at Liu Weichao, waiting for him to continue.
Just listen to Liu Weichao continue to say: "Second, the currency of the Ming Dynasty was ruined by Zhu Yuanzhang... Emperor Taizu. Let me tell you, paper money is indeed the general trend, and it was originally a good policy. However, the security of paper money cannot be guaranteed.
The value of the currency has caused the Ming Dynasty treasure banknotes to depreciate significantly, which is no different from waste paper. This is really another thing that seriously damages the prestige of the imperial court."
Emperor Chongzhen couldn't help but feel a little worried after hearing this. Paper money is the general trend, but it has been ruined again. What should he do?
So, he expressed this idea.
Liu Weichao laughed after hearing this and said: "Isn't Zhang Juzheng's reform a whipping method that requires everything to be measured in silver? Then you can use precious metals as currency on this basis. This is also the same as the historical process, using silver to mint face value
The currency is the same as the silver coins used by the Westerners. Later, we will slowly transition to paper money."
At this point, after a pause, he added: "Don't underestimate this currency reform. It will have a huge impact on the economy. It will not only greatly facilitate people's transactions, but also allow the court to obtain more financial support."
.But these all require you to have prestige and make people obey. Otherwise, the silver coins you mint will not have face value. After all, there is still the court's credit in it."
After hearing this, Emperor Chongzhen was a little confused. However, when he was asked to ask questions, he found that he didn't know where to start.
It's like when he was a child, he read some passages in the Four Books and Five Classics. He knew every word, but after connecting them together, he had no idea what they were talking about.
At this time, Emperor Chongzhen seemed to have returned to that time.
Liu Weichao continued: "On the basis of the above, if you launch an institution like a bank, it will play the role that a bank should have. Only in this way can you make money by making money."
After hearing this, Emperor Chongzhen seemed a little embarrassed and said to Liu Weichao: "I was a little confused just now and don't know what to do. How about you say it again."
After he finished speaking, he was still a little worried, so he quickly added: "It's better like this. Can you give me a piece of information on what you just said? I will look back and take a closer look, and then come back to you for advice!"
Hearing this, Liu Weichao immediately smiled and said: "No problem, I will write to you in a minute and try to be as detailed as possible."
Emperor Chongzhen laughed immediately after hearing this. It's great to have such a friend!
But he quickly remembered that it had been so long, and he still didn’t know what to do with Yangzhou’s money?