After the long-term planning of Liu Xin and Ma Yun, it opened on the same day as the Magic Hall, and it was placed in the highly anticipated Dahan Bank, but it was a monk. The only business throughout the day was that Ma Yun took more than one thousand taels from home. The silver was deposited in the money house and exchanged for a silver bill with a denomination of one thousand taels.
Liu Xin and Ma Yun found it difficult to understand why such a situation occurred. How convenient is the use of bank notes, and there are official guarantees that they can be exchanged at the bank at any time, especially in some large transactions. Silver tickets can save a lot of trouble, at least it’s better than carrying a lot of gold, silver and copper.
At exactly this time, Cheng Yu came to visit. He came to congratulate Liu Xin for his beloved daughter. Since joining Liu Xin and being appointed to a position as a driver, Cheng Yu has never been given a chance to perform. Liu Xin wants to open a big man. Not only the officials of Jingzhou, but also the general public knew about the bank, because like the Xiangyang Magic Museum, the Dahan Bank also carried out a lot of publicity in the early stage, and Cheng Yu naturally understood the situation.
When Cheng Yu saw Liu Xinzheng worrying about the bank’s affairs, he made a plan and said, “I’m telling the lord, in the eyes of his subordinates, Dahan’s bank is nothing more than depositing and withdrawing money. Everyone thinks that money is still going to be released. It’s safer to be by your side. What's more, the money house only accepts gold and silver, and it has to be discounted. Of course, fewer people are willing to save money. Why doesn’t the lord consider from the direction of withdrawing money?"
Liu Xin was taken aback, and asked, "If no one saves money, why would anyone come to withdraw money?"
Cheng Yu didn’t answer directly, but continued: “In fact, the lord’s idea of setting up a Dahan Bank was unbelievable when the subordinates heard it, but after thinking about it, this is indeed a brilliant idea. However, Why do everyone buy the account? In the final analysis, they still don’t trust the bank. To solve this problem, you must let everyone see that you can get money from the bank as long as you can get money from the bank. Have a silver ticket,"
Liu Xin had already heard something in his words, and nodded: "You continue to say,"
Cheng Yu leaned and said, "Now that we have to get the bank notes into everyone’s hands, there are two ready-made ways. One is that when the official salary is paid out every month, it can be directly converted into bank notes and distributed to everyone, and the other is that they will be issued to everyone soon. When the summer is harvested, local governments will purchase a batch of grain as usual, and they can purchase it directly with silver bills."
Liu Xin knew that the ancient money houses could not make much money by using the two links of withdrawal and deposit. Their main income still relied on lending. However, if they could not absorb deposits, there was not much money to use for lending. Cheng Yu’s suggestion is still somewhat deviated from Liu Xin’s original intention. In this way, the Dahan Bank has become the financial office of the local government, which can only play a role in turnover. The bank notes issued are a bit like Baitiao, which is popular in later generations, is just easier to cash in. However, it is a good way to increase the popularity of the bank.
Seeing Liu Xin's thoughtlessness, Cheng Yu said again: "As long as the lord can guarantee that all the banknotes can get the money, everyone will feel that the banknotes are still very convenient to use, and some people will take the initiative to deposit money in the bank. As long as someone deposits money in a bank, doesn’t it achieve the original intention of setting up a bank,"
Liu Xin suddenly realized that he couldn't help but admire Cheng Yu. People in that era could understand these principles and strategies just by listening to some propaganda about the bank. It is indeed not simple. It deserves to be the five most important under Cao Cao in history. One of the counsellors, Liu Xin couldn't help but nodded, and said, "Your analysis is very reasonable. When I go back, I will draw up a detailed charter for me to see."
Among the counsellors under Liu Xin, Cheng Yu came relatively late and took the initiative to take effect. He was always worried that Liu Xin would not be reused. Now that Liu Xin values his opinions so much, he can’t help but be overjoyed, saying: “Yes. , My subordinates will go back and handle this now,"
Liu Xin stopped him and said, "Zhong De, you don't have to go, I have something to ask you."
Cheng Yu hurriedly said, "Lord, please tell me,"
Liu Xin pondered: "I wanted to attack Dong Zhuo, but I went through Xichuan. Jingzhou's civil and military disapproval, what's your opinion on this?"
Cheng Yu looked up at Liu Xin, and said, "Subordinates dare not speak,"
Liu Xin smiled and said: "It doesn't matter if you have any ideas, I won't blame you,"
Cheng Yu cleared his throat and said, "If the lord wants to defeat Dong Zhuo, he can go straight to Chang'an from Nanyang. Even if he doesn't take Wuguan, Luoyang is now a land of no masters. You can also occupy Luoyang first. Entering Hongnong and attacking Hanguguan, it is also possible to go to war. The lord now stays close and seeks farther, his ambition must not be in Dong Zhuo, but in Liu Yan."
Liu Xin caressed his palm and laughed: "Zhong De, who knows me, Dong Zhuo, I also want to crusade, but Xiliang has hundreds of thousands of troops. Don’t rush for a while. When I take Xichuan, I can form a three-sided encirclement against the Dong thief. When the time comes, Chang'an City will be ready to play."
There is one sentence that Liu Xin did not say. He is not in a hurry to attack Dong Zhuo. In addition to not wanting to lose strength prematurely, he also wants to see if Wang Yun can think of other ways to separate the father and son Dong Zhuo and Lu Bu without Diaochan. In history, The Xiliang Army was extremely prosperous for a while. Later, after Dong Zhuo, Lu Bu, Li Nao, and Guo Bang two civil strife, its strength was greatly reduced and it was destroyed by Cao Cao.
And Cheng Yu did not dare to say a word. He has already seen that Liu Xin is plotting a lot. If Liu Xin destroys Dong Zhuo directly, he will soon face a problem, that is, how to deal with Liu Xie, according to Liu Xin. He didn’t recognize the emperor, so he had to be abolished. In this way, he was faced with the problem of establishing a new emperor. Obviously Liu Xin wanted to establish himself, but his reputation had not yet reached this height. In Shilin, his views on him are still more derogatory than praise. At this time, self-reliance will definitely become the target of public criticism. Cheng Yu knows that Liu Xin must have thought of this too. That’s why he hasn’t used Dong Zhuo for a long time. Slowly build up his own strength, wait for the timing, Cheng Yu also took the initiative to take effect just because he saw Liu Xin's grand plan.
Day by day, the bank’s popularity has finally risen, but basically all of them go to the bank to withdraw money, and none of the depositors can see it. It turned out that those officials who received the bank notes as their salaries were the first time they were paid. I rushed to the bank and cashed out the silver bills in their hands. Many of the big food sellers were unwilling to accept the silver bills at first. Later, when they saw that other silver bills had been replaced with real money, they reluctantly accepted it. And the first thing they did after receiving the silver ticket was to cash it out immediately.
This result is still not what Liu Xin wanted to see, but inspired by Cheng Yu’s strategy, Liu Xin took further steps. First, several stores opened by Mo Xiangzhai and Ma Yun began to accept silver tickets. As a payment voucher, Mo Xiangzhai was originally opened by Liu Xin and asked Jushou to secretly own the paper franchise. The business has always been hot, and it is natural to support the business of the Dahan Bank, and the shops opened by Ma Yun and others are not very large. Big, but the business is surprisingly good, especially in the shop that sells women’s products. The rouge gouache, clothing and jewelry sold in it are the favorite items of the Jingxiang noble women. The Dahan Bank was originally the idea proposed by Ma Yun. Of course you have to use the green light all the way,
Not only that, Liu Xin also announced that silver bills can also be used to pay taxes. In the past, people paid taxes, and the things they paid were all kinds of things, including gold and silver, copper money, grain, cloth, and even pigs, sheep, chickens and ducks. Such things as poultry and livestock, these things take up space and are difficult to handle, and it is very troublesome to convert them. If all of them are replaced by cash, it will be much simpler.
As a result, the use of silver bills has been expanded, and the credibility has also been established, but there are still not many people who take the initiative to save money. As a last resort, Liu Xin resorted to a killer trick. The workshops in the outskirts of the research institute have produced a large number of exquisite ones. White porcelain, these porcelains have evolved from daily utensils to various decorative ornaments, but due to the limitation of porcelain technology, the types of porcelain are not too large. These white porcelains are not publicly sold, and only in the group with a special status and status in Jingzhou. , It’s possible to get a little sample, but I still don’t want to use it, and treasure it all at home,
Liu Xin was ruthless and decided to officially launch white porcelain for sale in Xiangyang. A set of white porcelain tableware can be exchanged for a peerless stunner like Diaochan, and a dozen white porcelain bowls can be exchanged for Zhangliao to go to Xuzhou smoothly. In exchange, do you take the initiative to deposit gold and silver into the bank
The opening of Jingzhou Porcelain House has become the most sensational event in Xiangyang in recent years. On the day it opened, almost all the people in Xiangyang City rushed over, and the crowds caused completely exceeded the day when the Porcelain Hall opened. Porcelain House There is a dazzling array of exquisite white porcelain, which also depicts various patterns and ornaments, animal flowers, and humanistic stories. Anyone who has seen it feels that it is impossible to describe it in simple words.
There are a lot of wealthy people in Xiangyang, and there are also many big merchants from other places. When they see such a treasure, who is tempted to ask about the price of these porcelains, and when I ask them, they are all dumbfounded. These porcelains , It’s very valuable to take out one piece at random. Of course, for these rich people, money is not a problem. The problem is that other porcelain shops only receive cash receipts, not cash.
Therefore, since the opening of the Dahan Bank, the most lively scene has appeared. The line of depositing money has been lined up on the street. Many people who came late even drove to the bank in other counties because of the white porcelain of the porcelain. The quantity is limited, you must quickly exchange the bank notes,
The business problem of the Dahan Bank, which had plagued Liu Xin for more than a month, was finally solved. Not only that, the high profits brought by the sale of white porcelain also directly enriched Jingzhou’s treasury.
After another month, Sun Ce's body gradually recovered. Except for the chest, abdomen, and back, there are still many scars. It is no longer obvious that he was only one step away from the death god. He no longer lives in the medical school, but moved in. I left the house in the east of the city and lived with his mother and brothers, but the news of Sun Jian’s death was still hidden from Wu Xian and a few children.
Amidst the cheers of the crowd, Sun Ce stopped the spear in his hand, wiped the sweat from his forehead, sighed, and said, "It’s not easy to live under the fence."
This is the small courtyard where Cheng Pu and the others live, two blocks away from the courtyard where Sister Wu Shu lives. In order not to affect Wu Xian’s mood, Liu Xin has not allowed Cheng Pu and the others to meet Wu Xian. After Sun Ce came back from the medical school, he went out early every day and returned late every day. In addition to putting his father to the grave and burning incense, he came here to talk to Cheng Pu and the others and practice martial arts.
After listening to Sun Ce's words, everyone bowed their heads. Their families were all trapped in the city of Lusa. Their hearts were even more uncomfortable. Han Dang raised his severely injured arm and moved his mouth. He wanted to say something. I held back and sighed helplessly.
Seeing that everyone's mood was very low, Cheng Pu frowned, walked in front of Sun Ce, and said, "I don't know how to say something inappropriate, Young Master Qi,"