Ming Dynasty, starting from the empty seal case

Chapter 81 Gold Standard or Silver Standard?
  Inside the main hall, it became increasingly quiet, and you could hear a needle drop.

Bloodshot eyes appeared in Zhu Yuanzhang's eyes, and he could clearly hear his own heartbeat.

You can even clearly hear Biao'er's breathing.

Li Xiyan's eyes were shocked, and she stared at Su Xian without moving for a moment.

Song Lian closed his eyes and didn't know what he thought of. He just thought about it and smiled: "Wonderful! How magnificent!"

Fang Xiaoru looked at Su Xian in horror!

"Obviously it's the seed of reading, why do you have to think about the advantages of weapons?"

"When the Ming army goes on an expedition, they should preach the royal way, but we still have to convince people with virtue. How can we do this! Is this causing trouble to the world?"

Of course, these were all the thoughts in his mind and he did not say them out loud.

But at this moment, everyone could not hide their shock.

Su Xian, has he thought of so much?

Zhu Biao slowly exhaled and suppressed the excitement in his heart.

It wasn't until this moment that they realized that a treasure banker with the highest rank of eight could actually do so many tricks?

It was originally the father who, in order to reduce the pressure of minting money, so he imitated the treasure banknotes set up by the previous dynasty. How could it have such an attractive prospect and future?

This is the treasure!

Su Xian looked at the reactions of several people.

Facts have proved that the way later generations draw blueprints and the successful learning of chicken soup are simply a fatal temptation for these people who have "ambition in their hearts and strength in their hands."

Are there any difficulties here?
  Of course there is, and it's not that big.

But Su Xian just provided an idea, and he saw the unconcealed desire and greed bursting out of Emperor Hongwu's silent eyes!
  Like a giant dragon hovering in the sky, I finally discovered a treasure in the distance that seemed to be "at your fingertips" just by stretching out your hand!

"This is how treasure money should be used! This is how treasure money should be used!"

Zhu Yuanzhang finally shouted excitedly, "In the Ming Dynasty, there is no use in doing things that have some but not all. We should take the treasure money outside, hahaha, okay! Bank! Let's set up a bank!"

Zhu Yuanzhang's affirmative words made Fang Xiaoru and others even more worried.

"Your Majesty, this bank matter is certainly a good thing!"

"But after all, it is a financial weapon. Can it be handed over to the six departments of the court? Is it more feasible to handle it with the court?"

At this moment, Fang Xiaoru couldn't help but speak.

In his opinion, what Su Xian was talking about was not just a dream talk. In the hands of Emperor Hongwu, who conquered the world with his bare hands, it was more like giving him a "star" that he could pick off by standing on tiptoes!
  But if this thing... is handed over to noble hands, it is no different than a pearl gathering dust.

It is even more likely to cause other disasters.

Only when it is handed over to the imperial court, and officials are selected by the Ministry of Personnel and controlled by the Ministry of Household Affairs, can it be used by the Ming Dynasty.

As soon as these words came out.

Zhu Yuanzhang also looked thoughtful.

Xungui holds military power, which is already a headache for him. If he takes control of the bank... and holds financial power in his hands, problems will inevitably arise in the future.

"We haven't even mentioned the horoscope yet. If the imperial court takes control...will the civil servants be willing to pay?"

At this moment, Su Xian said leisurely.

As soon as these words came out.

Zhu Yuanzhang came to his senses immediately, and Fang Xiaoru was also stunned.

This time I found Xun Gui because I had no money.

When it comes to the current Ming Dynasty, which circle is the richest, apart from the gentry in the southeast, it is the nobles who have been fighting for years.

Emperor Hongwu did not hesitate to reward these people. In addition, when they conquered the remnant forces of the Yuan Dynasty, they were not good students who taught hygiene and tree civilization. It’s impossible not to stay.

And the Ming Dynasty needs to fight for years. As long as they are not plundering the people of the Ming Dynasty, Emperor Hongwu has always turned a blind eye in this regard...

"You haven't even said a word about this yet, why are you thinking about sharing the credit? Don't give us such crooked ideas, we have our own concerns."

Seeing that the conversation had strayed, Zhu Yuanzhang quickly pulled him back.

You know, he was thinking a lot at this moment.

Once a bank is officially established, it will inevitably interact with the wealthy Southeast and other places. It might be a matter of destroying some people's jobs. They dare not object openly, but there are many tricks behind the scenes.

I'm not sure how much discussion there will be in the court then, for fear of another tug-of-war.

Things haven't been resolved yet. If you find yourself in this situation, don't do anything!
  "Let's discuss other things first. Let's stop this aspect for now. Let's weigh it carefully when we go back."

"It's still a rough idea anyway. Let's test it out on the expedition against Tubo this time. The army has just set off and it will take at least three to five months to complete the campaign. This time is enough for us to prepare."

"As for these people, we are still not sure whether they will agree or not?"

Zhu Yuanzhang thought.

Zhu Biao also nodded. This is the right thing to say. It is just an idea now. There are still several steps to go before it is implemented. Let’s solve the core problem first.

"Two more questions!"

Zhu Biao also thought, they all have their own ideas.

Through banks, you can even draw inferences from one instance to other cases, but most of them are just prototypes.

"Nowadays, the issuance of treasure banknotes is basically based on the salaries of officials and the rewards of soldiers. If you open a bank, can you also borrow this..."

"Of course!"

Su Xian did not hide it at the moment and said directly: "The best way to distribute is basically exchange!"

As soon as these words came out.

Zhu Yuanzhang fell into thinking.

Zhu Biao continued to ask: "But it's like an exchange like the Banknote Lifting Office? Only banknotes are exchanged!"

As he talked, he could even relate quickly.

"Then if an official bank is opened, people can also exchange money at this official bank?"

It seemed that his thoughts directly reminded Zhu Yuanzhang of something.

Suddenly his eyes widened and he laughed and said, "We thought of it!"

"This is a good idea!"

Perhaps he was exposed to too much information today, and even had a grand blueprint drawn by Su Xian. He was extremely ambitious at the moment.

“Not only can old banknotes be exchanged, but we are even promoting it!”

"We must open the door to exchange widely. We must exchange old copper coins, old banknotes from the past, even Tongbao left by the Yuan people, or left by the Song people!"

"In this way, we can redeem all the old money in the hands of the people. Isn't it equivalent to printing and issuing treasure banknotes as quickly as possible?"

"As long as the people need it, we can print and distribute more."

Zhu Yuanzhang seemed to really think he had figured out a way.

This is another great role of banks!
  "Father..." At this moment, Zhu Biao quickly reminded, "Isn't this equivalent to cleaning up the mess of the previous dynasty?"

Uh!
  Zhu Yuanzhang, who had just been overly excited, calmed down instantly.

He was speechless.

"That's right!"

"They printed and distributed more than we printed and distributed. In this way, our treasure banknotes will be completely over before they even begin, let alone those grand plans."

While thinking about it.

Maybe he took in too much today and he needs to think carefully.

But instinctively, I feel that there is still one most critical issue.

But for a while, I couldn't think of it at all.

"No, no!"

"There is no free bargain in the world. This method is good...but! But...we just thought of this problem. Why did we suddenly forget after accepting so many things?"

After talking for a long time, Zhu Yuanzhang couldn't explain the reason. It was because he was thinking too much now, and for this kind of field that he had never touched before, he knew that there was a problem, but for a while, he couldn't describe it. The most specific question.

"You can't print and distribute treasure money on a large scale. We knew this when these little kids were playing games."

Zhu Yuanzhang began to think back slowly.

"After all, there are only so many goods in the hands of the people, so when exchanging them, strict screening should be carried out, and some counterfeit coins should be severely punished!" "We cannot exchange them all on a large scale, we can only do it slowly... Since this treasure banknote can do so many things, it must be spread carefully."

Talking and talking.

suddenly!

Zhu Yuanzhang finally knew where the feeling of having doubts stuck him came from.

"It's silver!"

"Biao'er, it's silver!"

Zhu Yuanzhang looked at a few people and then said: "Think about it..."

"Before, Ming Dynasty treasure banknotes always corresponded to silver! One or two is consistent!"

"When the estimate is issued, it can only be estimated based on silver. How much the treasure banknotes can sell is also calculated based on silver!"

"But if this time, we treat silver as goods and can trade it."

"Then the price of silver will definitely keep changing in the future."

"On the other hand, there is no price standard for reference."

"If the court responds slowly, and if these children play with it in the future, the treasure coins will become less and less valuable. In this way, won't big problems arise again?"

As early as when Zhu Yuanzhang was halfway talking.

Zhu Biao also reacted.

And Song Lian also grabbed his beard. He didn't even think of this.

"That's the truth!"

"If there is no silver, there will be no standard for equal accounting of treasure notes. Once something goes wrong, if there is a slight delay in responding, it will be a big problem." Zhu Biao also nodded.

Song Lian couldn't help but say: "Including printing and distribution, we also need a standard. This can refer to the games played by children."

"In the past, they imitated the imperial government's salary and then set their own prices for their toys."

"In the first wave, there were a lot of toys and very little money. So soon there was nothing to play with, and a second wave needed to be printed and distributed..."

"After that, there were more toys, and a third wave was issued."

"Of course, these are just games after all. Those banknotes have been circulating, and they are only limited to transactions. Later, Su Xian proposed that other ways of playing, such as throwing pots, consume banknotes. If this kind of gameplay increases, the banknotes can continue to be printed... …It could even make their little market more prosperous.”

"Game?" Song Lian's words obviously inspired Zhu Yuanzhang and his son.

They nodded, this is the gift.

Zhu Biao reacted the fastest, "Doesn't that mean...the measure of banknotes here is a game?"

"No...it's a toy!"

"But what should our banknotes correspond to?"

"If silver can't match it, then it can only be gold?"

"Gold!" Zhu Yuanzhang frowned, "Less gold!"

At this moment.

Su Xian kept listening, and when he heard this, he was a little surprised.

"You know, this issue involves almost the silver standard and the gold standard!"

Of course, the names are all called by people. The fact that they can think of these is also related to the fact that they have dealt with a lot of state affairs and dealt with Baoqian too much during this period.

Coupled with the games played by myself and others, it gave me a lot of inspiration!

Who says playing games is useless?
  While thinking about it.

But I saw that they had already looked over.

Su Xian also spoke at the right time, "No gold or silver will do!"

"Now that I've said it, Ming Dynasty wants to treat gold and silver as goods. They can be exchanged for banknotes, but they must not take away the 'unique' status of banknotes!"

"What's more, gold and silver are too luxurious for ordinary Ming people. They may not be able to earn even one or two gold after working for a year."

"Compared with this, it is better for some Hongwu Tongbao to go deeper into the people. After all, copper coins are what they have the most contact with."

"That's copper coins?" Zhu Biao replied immediately.

"Not even copper coins. People sometimes exchange things for things. Copper mines are already scarce. Many of the copper coins now are no longer copper coins, but iron coins!"

Su Xian said seriously: "Copper ore is scarce, but iron ore is plentiful!"

"How can such a thing be bound with treasure money?"

After thinking for a long time, I couldn't think of anything.

Fortunately, Zhu Biao shook his head and looked directly at Su Xian.

“If gold, silver, and copper are not good, then what are they?”

"Keep thinking... Since the treasure banknotes are to be printed and distributed among the people, and real trust between the two parties must be established! Then it is up to you to speak up for this answer." Su Xian looked at the crowd, and then looked at Zhu Xiongying and others .

In fact, according to some inferences from later generations.

At this time, it seems that we should propose the "gold standard and silver standard" just mentioned!
  however!
  Su Xian didn't want it to come out.

In addition to the reasons just mentioned.

There is also a deeper reason: the current Ming Dynasty does not have enough gold and silver.

If gold and silver are compared with the value of treasure banknotes.

Sooner or later, if there is an intersection between Ming Dynasty and the outside world, if the other party has a large amount of silver and gold, it will be enough to knock Ming Dynasty's treasure system to pieces!
  As for my answer, what exactly is it...

Fortunately, he looked at a few people and asked directly:

"You have to put yourself in their shoes. Since you want to issue treasure banknotes so that everyone can use them, you have to think from their perspective..."

"How can we make the people believe in the value of this treasure banknote as quickly as possible, and don't have to worry about whether it will become like waste paper in the future?"

"At the very least, treasure banknotes must become more popular and even trusted by the people than so-called iron copper coins!"

"To put all of this together, there is one question - what do people care about and miss the most?"

Hearing this...

What the group heard just now was all about silver and money banks that they seemed to understand.

I was suddenly asked at this moment.

But all of them were speechless.

Zhu Yuanzhang couldn't even bear it and asked the boy to speak quickly.

He just thought that the Ming Dynasty would be able to do many things with the help of treasure banknotes in the future, and he couldn't wait for it to be printed and distributed among the people soon!
  "Stop being pretentious and tell me quickly, how can we think of it at this time?"

In the end, Zhu Yuanzhang shook his head thankfully.

"I know!"

However, at this moment, Zhu Xiongying, who had been pretending to listen but never understood, suddenly raised his right hand.

Chang Sen, Xu Yingxu and others looked strangely.

Even Zhu Biao and Zhu Yuanzhang looked helpless.

"Xiongying, I'm still young, you can't even understand... don't make trouble!"

"But I can understand the question." He seemed to know that he was being looked down upon.

Zhu Xiongying immediately shouted:
  "Grandpa Huang said that the most important thing for the people is..."

He frowned, and everyone's contempt seemed to make him doubt his answer.

But in the end, he simply said:

"It's food!"

Snapped!
  Su Xian snapped his fingers.

Grinning: "Correct answer!"

"It's food!"

"It's food obviously, but it's credit secretly!"

(End of this chapter)