"Okay, let's talk about the matter of the bank. Qingquan, you will talk about it in detail with everyone. If you think this is a good method, then you can give me a note in the morning tomorrow." Li Er looked at the people who had arrived at the scene and said.

"No problem." After Zhang Nan said that, he introduced the theory about banks to Comrade Li Er. After listening to Zhang Nan's theory, everyone present had thoughtful expressions on their faces.

None of the people who can appear in Comrade Li Er's study now are fools, but they are all very smart. Although this is the first time these people know about the bank, what Zhang Nan said is easy to understand. Soon everyone knew how much benefit such a thing could have for the Tang Dynasty.

"What do you guys think?" Li Er asked after taking a sip of tea.

"Cui Shao, you are the Minister of Revenue. Tell me, what about this thing?" Li Er saw that no one stood up for a long time, so he asked directly.

When Cui Shao heard Li Er's name, he stood up and bowed and said, "If the emperor said, if this bank can really be promoted in my Tang Dynasty, and as Qingquan said, it attracted a large number of people to save money, then my Tang Dynasty's treasury will have a large amount of income."

"This money belongs to the people, not to the Tang Dynasty. Don't treat the people's money as money in the treasury. We are just making a profit spread." Zhang Nan said. Zhang Nan thought it was necessary to remind these people that it was all the money of the people. Although this money can make money, it was definitely not the money that belongs to the treasury.

"Of course I know that what I am talking about is the interest rate spread you mentioned in Qingquan." Cui Shao arrived.

"Wuji, what do you think of this bank?" Li Eryou turned his face and asked Changsun Wuji who was standing aside.

"If you go back to the emperor, this method is good, but this bank still has some shortcomings." Changsun Wuji said.

"Oh? What are the shortcomings? Tell me." Li Er's interest immediately when he heard that Changsun Wuji was able to tell the shortcomings of the bank. In Li Er's opinion, this bank is very good, at least he did not see any shortcomings.

"When I go back to the emperor, I think the most insufficient part of this bank is to save money and withdraw money. Of course, ordinary people won't say it. What I am talking about is the merchants who Qingquan wants them to make money. You must know that if the bank is really done and some big merchants want to save money, it is a very troublesome thing, and counting money is a very difficult thing, let alone transportation. Moreover, storing this thing in the warehouse is also a troublesome thing. You must know that if the amount of money is huge, if it is a little less, it will not be found at all." Changsun Wuji said.

After listening to Changsun Wuji's narration, Li Er began to think about it. Indeed, Li Er really did not consider the issue of copper coins, and Zhang Nan also thought about it. At least before Changsun Wuji talked about copper coins, Zhang Nan did not expect it.

Because when it comes to banks, Zhang Nan will subconsciously appear paper, pen and advanced digital transactions, without considering what it would be like to put tens of thousands or even tens of thousands of coins there.

"That's right, although I think the bank's idea is good, it's a bit difficult to deal with." Fang Xuanling also smiled.

"Qingquan, don't you have anything to say?" Li Er asked Zhang Nan, who had not spoken for a long time.

Hearing Li Er calling his name, Zhang Nan came to his senses and hurriedly said, "Ah, I just thought about how to solve the problem of copper coins."

"Oh? Then did you think of it?" Li Er asked with interest.

"It's actually quite simple," said Zhang Nan.

When Li Er heard Zhang Nan think of it, a disbelief suddenly appeared on his face, and then said, "Then tell me how to solve this problem?"

"Does the emperor still remember my statement about the value of coins?" Zhang Nan asked.

Looking at the confused expression on Li Er's face, Zhang Nan knew that Li Er didn't take what he said to heart at all.

"In short, this penny is worth a penny, right?" Zhang Nan continued to ask.

"Barring, of course that's the case."

"If we can buy a sesame cake for a penny, then can we also think that the value of this sesame cake is this penny?"

"That's right."

"So why don't we use sesame cakes as a substitute for a penny? Change the money for a thousand sesame cakes?" Zhang Nan said with a smile.

"Barring, how can Shaobing be used as money? Haven't copper coins been used since ancient times?" Li Er also answered Zhang Nan's question very concisely and clearly.

"Does the emperor know how these ancient people buy things?" Zhang Nan asked.

"This... I really don't know, but I think it's just for things to exchange for things." Li Er thought for a while and said.

"That's right, it's just that things are exchanged for goods. Both parties in the transaction took out goods that they think are of equal value for exchange. Of course, ancient people would still trade with shells. According to the emperor, shouldn't we still trade with shells now?"

"The reason why copper coins replace currency is not only because this thing is very inconvenient and difficult to determine its value, currency appears, and the hard currency that gives this currency value is gold." Zhang Nan said.

"Gold?" Li Er was a little puzzled. He was talking about the problem of currency and copper coins. Why did he suddenly get involved in gold?

"That's right, it's gold. Your Majesty, you know that when you reward the ministers, you chose to reward gold instead of a large amount of copper coins, right?" Zhang Nan continued to ask.

"That's right, because the amount of rewards for copper coins is too large, so it's better to reward them with equivalent gold. Oh, I understand what you want to say. You want to tell me that it is because these copper coins can be exchanged for the hard currency of gold that they are valuable, right?" Li Er said with a smile.

Li Er's thinking was still very quick, and Comrade Li Er soon learned what Zhang Nan wanted to express.
Chapter completed!