"Young Master, I'm not optimistic about it this time either. This is obviously going to cost you money!"

Even Wang Ben, who has well-developed limbs and is not very sensitive to money, disagrees.

Because it looks like a losing business!

"Then if the money deposited by the people is lent out, what if the interest rate is five cents for every one hundred cents?"

Faced with doubts, Xiaozhengtai was not anxious, and still asked slowly with an innocent smile on his face.

"Lend it out again?"

"Three cents, five cents? Is there a difference of two cents every time?"

"Huh? That's a good idea!"

"Our Daqin has a population of 20 million. If half of the people come to borrow money, each person will earn 200 Wen a year...?"

Zhang Han pinched his fingers and muttered while calculating: "Yo! You can make a profit of two million gold in just one year!"

After he made this calculation, everyone's eyes suddenly brightened, "Well, after this calculation, there is really a profit!"

"But what should we do if the people don't?"

Ying Zheng thought for a moment and asked a crucial question.

"If I don't say that my father is wise, you can think of such an important issue!"

Little Shota immediately gave him a thumbs up.

Not to mention that in this era where household registration is quite confusing, even in later generations, there are still many old people who borrow money and fail to repay it, causing great harm to others!

However, in this era of simple folk customs, such people are still very few!

Most of them are wealthy gentry who rely on their own financial resources to exploit poor people.

With two dollars in hand, high interest rates are charged when borrowing money from other countries.

Therefore, people in this era have become polarized. The richer they are, the more they can rely on this money to make money.

The poorer you are, the more you have to pay high interest rates. You are working for your creditors all year round, and you will never be able to turn over, and you will become poorer and poorer!

Therefore, setting up a bank is definitely a good thing for the people!

"Father, the money from the bank is definitely not something that can be taken away by just talking to someone with white teeth and touching the upper lip to the lower lip. There must be a house deed, land deed or other valuable things as collateral.

If it is really not repaid within the stipulated time, the bank can sell off the collateral!"

These are all plans that have been verified by later generations for many years. They are absolutely effective and can avoid a large number of old people.

"Well, that's a good idea!"

Ying Zheng nodded in agreement.

"In addition to lending, banks can also use savers' money to invest, such as investing in railways, steam engine factories, textile factories, etc., but the premise is that enough funds must be left in circulation to prevent people from suddenly withdrawing a large amount of money on one day.

money!"

"Using people's temporarily unused money to invest? Haha, such an idea is only what your little brain can come up with!"

As soon as Xiao Zhengtai finished speaking, Ying Zheng burst into laughter.

The capital is provided by the people, but the money earned from investment will go into the pockets of shareholders like them.

People only get fixed interest!

This is indeed a good idea!

Zhang Han, Wang Bi and others also nodded their heads!

"In addition, Erchen also suggested issuing banknotes!"

"Bank notes? What is this?"

Fresh words and ideas came one after another, overwhelming Ying Zheng and others.

"Same as copper coins, they can be circulated in the market to buy anything, but in different forms...!"

Xiao Zhengtai paused for a moment, took a sip of light green tea to relieve his tiredness, and continued: "Father, father-in-law, don't you think that copper coins take up too much space? If you want to buy something a little more expensive, you have to use a carriage.

Go pull it!”

"Even if it is replaced by gold cakes, every time the winery pays dividends, it has to be loaded with several large boxes and headed to their mansions. Fortunately, this is Xianyang, the security is better, and no one dares to take the gold.

It’s an idea, but if it were a businessman who was hauling several carts of copper coins back and forth, an accident would inevitably happen, and the loss would be huge!”

"What does this banknote look like?"

Several people blinked and asked curiously.

"Made of a special kind of paper and special paint, the size and width are about the same as an adult's palm. It can be divided into different denominations, such as one hundred gold, five hundred gold, one gold, ten gold, one hundred gold. In this way,

Even if you carry tens of thousands of gold, it's just a matter of hundreds of pieces of paper, just put it in your arms and leave, no one can see it, it's very convenient!"

Xiao Zhengtai introduced it to several people in detail.

Before the printing technology was developed, even if he knew about things like banknotes, he would not dare to propose it rashly.

After this year of development, printing technology has become quite mature and can print banknotes!

"Well, it seems really good!"

Kang Anping looked at his palms and began to replenish the money in his mind.

"Made of paper? What if it breaks? Wouldn't the money be wasted?"

Ying Zheng asked with a solemn expression.

"Father, don't worry, banknotes are made of specially treated paper, which is resistant to rubbing and waterproof. Even if they are washed with clothes and taken out to dry, they can still be used. Even if they are really broken, as long as they are

The fragments are complete, come to the bank, we will exchange them for new ones according to the face value and destroy the old ones!"

"In this way, after everyone switches to using silver notes, in addition to being easier to carry, the court will no longer have to mint so many copper coins every year. The copper can be used in other ways!"

Daqin does not have much mineral resources, and a large number of coins are minted every year.

This makes the price of copper on the market higher!

"Well, it would be fine if such paper could be developed, but there is another problem, and that is counterfeiting. Some people with evil intentions will definitely find ways to take advantage of it. They can even make fake copper coins. This banknote

Will it be easier to fake it?”

"Father, please rest assured. Copper coins can be used to exchange copper for other metals. You may not be able to tell if you are not careful. However, the only one in the Qin Dynasty that can make paper is Erchen's paper mill. Even if others have developed paper-making methods in the future,

method, but they may not be able to create this special paper...!"

In this regard, Xiao Zhengtai did not have the slightest doubt and explained with a smile, "In addition to the special paper, Erchen will also make double security on the banknotes. One is the pattern on the banknotes, and the other is the seal, which must be engraved with

The quality of the banker's seal counts, and the seal will be quietly guarded against counterfeiting. If there is any mismatch, it must be a fake, and the bank will never exchange it!"

"Well, as long as these two points are solved, this is not a bad idea!"

After solving the problem of counterfeiting and paper, Ying Zheng nodded with satisfaction.

"In addition to providing deposit and lending services, the bank can also convert silver notes into copper coins, or exchange copper coins for silver notes for free, without any fees. This is purely for the convenience of the people, and at the same time, it can better manage copper coins!"

"So setting up a bank is also a monopolistic business that benefits the country and the people. You will never lose money by investing in it!"

Xiao Zhengtai glanced at everyone and said with a smile.

"Monopoly business? So what do you mean? Can't other wealthy households open banks?"

In this era, the court paid little attention to merchants and had no perfect laws.

Merchants have goods in their hands, and they can sell them to whomever they want, and anyone who wants to buy them can do so. There are no such licenses or legal regulations in later generations!
Chapter completed!