On the evening of the thirtieth day, after eating dumplings, the family reunited and celebrated the New Year.
Qi Niang, Cui Yingying, Zheng Wanyan, Du Shi Niang four sat on the kang to play mahjong, the ivory card carved very exquisitely, the four girls played a bloody battle to the end, everyone in front of a box of gold and silver coins and copper coins, playing happily.
The way to play the bloody battle to the end is very simple, anyway, you can keep pasting, paste until you touch all the cards.
A handful, the cannon continues to touch itself, and the paste does not stop, but it is also simple to count, unlike the Guangdong mahjong Jiangxi mahjong of later generations, and it is impossible to count mahjong for a long time.
Hongxian, Lian'er Lan'er and Siniang, and the four of them played poker and played tractor upgrades.
Li Chao, his father and the rich housekeeper fought the landlord together.
The floor heating was burning in the house, it was very warm, and the big candles were lit, bright as day, and everyone was very happy.
The other servants and maids also got the New Year's red envelopes early today, and they also received a lot of food, and then kept the New Year in their own house.
Li Chao was wearing new clothes that Cui Yingying and the others had cut and sewn by themselves, and there were embroideries on them, and the handiwork was very good.
Daddy too, wearing the new clothes of Qi Niang's own tailor.
Everyone was wearing new clothes and had new money bags in their pockets.
Today, Li Chao sent a lot of red envelopes, especially his little brother and a few children, each of whom directly gave a bag of money.
With gold and silver coins, there is an advantage that it is much easier to initiate money.
In the past, copper coins were used to use silk cloth, and the money always had to be several catties of copper coins, or a large bundle of silk.
Now, the money bag can hold dozens of gold and silver coins, and if you put three catties of gold coins, there are forty-eight pieces, worth more than three hundred yuan.
If it is too heavy, you can also directly take the banker ticket issued by the money bank and put it inside, which is light and valuable.
There are 100 texts, 500 texts, 1,000 texts, and even 5,000 and 10,000 texts.
There are also 10 wen, 20 wen, and 50 wen in smaller denominations.
These are the bearer notes issued by Li Kee Banker, there are no such cumbersome procedures, and there is no interest and the like, and there are more than 300 money banks under the name of Li Kee now, which can be exchanged at any time.
However, there are more than ten times, there is no more, such a large amount, only registered bank tickets, it is more troublesome to redeem.
With Li Chao's advanced consciousness, Li Ji Qian Zhuang is now a lone show in this industry, and has achieved the layout of the world, the world exchange, the gold and silver coins and bank bills issued by Li Ji Qian Zhuang are very good credit and are deeply liked by the people.
The people got the convenience, but they didn't know that Li Ji Qian Zhuang had won a lot of profits.
Minting gold and silver coins is not small, but it is also limited by the amount of gold and silver.
But the banker ticket is different, this kind of thing at the beginning, it didn't show its power, but now the larger the scale of Li Ji Qian Bank, the higher the profit of this banker's ticket.
In fact, this is already equivalent to the issuance of a large amount of circulating currency, and it is a credit currency.
Originally, the banker bill was a certificate for depositors' deposits, and the deposit was always the banker's bill.
But in fact, how can Li Chao be so stupid, a large number of depositors deposit money into the bank, Li Chao knows the truth of borrowing chickens to lay eggs.
With a deposit of consistent money, he can take out six or seven hundred yuan to lend, and with a reserve fund of consistent money, Li Chao can issue four or five banker notes.
In this mode, Li Chao's banknotes printed with paper and ink are equivalent to money, which is much more profitable than mining copper mines, smelting coins, and even purchasing gold and silver coins.
The bigger the scale, the more money you make.
The more money is earned, the larger the scale of the expansion of the banker, the larger the scope of the banker's issuance, the greater the quantity, and the higher the credit security of the banker's banker.
This kind of thing, everyone in later generations understands, but in this era, few people understand the routines inside, and they really think that the Li family has consistent money in the treasury, so they open consistent bank tickets.
They don't know that it's just as the gold and silver content of gold and silver coins is falling.
At first, the gold content of gold coins was 90%, but now it has dropped to 80%.
However, the gold coins minted by the Li family are calculated according to the face value, not weighed, and the gold coins containing eighty percent of the gold are still calculated according to one or two pure gold, and the remaining two percent are actually copper, minus the cost of copper, the cost of coinage, and the profit of minting a coin is huge.
The Li family is now looting a large amount of gold and silver, eager to buy all the gold and silver in the world, and then mint them into gold and silver coins.
Last year's Buddhism rectification, the Li family really got a lot of gold and silver, especially gold.
A large number of Buddhist temples were demolished, and there were a lot of gold lacquer on the golden body of the Buddha statue inside, gold leaf and so on pasted on it.
The imperial court got a big head, and the Li family also got a lot, and these gold were basically recast into gold coins.
During the Qin and Han dynasties, there was a lot of gold in China at that time, and copper was used a lot at that time, and most copper mines were actually associated with gold mines, so there was more copper mined, and there was naturally more gold.
At that time, the amount of gold was amazing, but later it became popular to accompany the collection, a large amount of gold was buried in the ground, coupled with the inflow and rise of Buddhism in the Han Dynasty, which also made a lot of gold used to cast Buddha statues, paste Buddha statues, write gold books and so on.
However, it is not realistic to achieve the gold and silver standard in Datang, the key is that there are fewer gold and silver mines, and it is difficult to mine.
Li Chao knew that there were a large number of gold mines on the Denglai Peninsula in Shandong, and that there were large copper and silver mines in Jiangxi, but the mining efficiency was not high.
With such a large population in Datang, with that amount of gold stored and mined, gold and silver cannot be used as a standard currency at all, and it is even difficult to use it as a currency.
The amount is too small, although gold and silver coins are now considered to be the currency supported by the imperial court, but they are generally only collected and used by nobles, and ordinary merchants rarely trade gold and silver coins.
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It's just that the copper coins are not enough, even if Li Chao contributes to a few large copper mine positions, but he can't dig much in a year, for a Datang with a population of tens of millions, let alone minting three or four hundred thousand copper coins a year, even if he casts three million, it is not enough to use.
In particular, there are many lawbreakers, the court mints money here, and they melt the bronze casting and resell it when they collect the money.
In addition, some local tyrants and landlords like to hoard money and bury it in underground caves, and would rather embroider copper coins underground than take them out for circulation, which makes whether it is gold and silver coins or copper coins, there is a black hole, and the amount of money minted by the imperial court is always insufficient.
The people had no money to use, so they had to use silk, cloth, and grain as currency, and went to the market to buy things, and they had to bring cloth or some eggs and duck eggs from home, or even go directly to the market with a chicken.
Sell the chickens or change the cloth before you can go shopping.
It is precisely this situation of money shortage that makes the banker tickets of Li Kee Money Zhuang so popular.
In the classical agrarian society, all the sages and sages were read, but few of them studied the social economy, and they did not know how to manage the economy and finance, and they did not even know how to build a bank, let alone the importance of issuing credit banknotes.
However, Li Chao didn't dare to teach these people, people in this era like to mess around.
If you teach them to build a bank to issue banknotes, these people will definitely dare to issue banknotes indiscriminately without reserves, and when they are short of money, they will print money directly, printing 10 million yuan this year and 30 million yuan next year.
Look at the banknotes of the Song Dynasty, the treasure banknotes of the Ming Dynasty, and the banknotes of the Yuan Dynasty, which is not like this, issued to the back, a thousand and ten thousand, all of which are not consistent copper coins, a good thing, and they are notorious for being notorious.
No matter how good the scriptures are, it is not good to recite them to the crooked monks.
For example, Qian Zhuang is actually privately operated, and the imperial court supervises it better.
However, Li Chao himself has a good grasp of the business direction of the bank, and he did not do it too outrageously, and the issuance of banker bills is also strictly set up with a line and sufficient reserves.
He was reluctant to let the imperial court supervise it, because those officials of the imperial court didn't understand these things at all, so let them supervise something Thinking about it, Li Chao played a pair, but when he looked back at his hand, a good dragon was broken in the middle.
Angry and full, a handful of lists, stunned to lose a winning card.
Steward Qian and his father finally made matters worse, and one person blew Li Chao, and Li Chao lost a lot at once.
"What do you think, look at your absent-mindedness," Daddy asked.
"Isn't this tomorrow the first year of Zhenguan, Your Majesty has given me a very heavy burden, I am the head of the household and the salt and iron envoy, and the money bag of the court is handed over to me to manage.
However, the treasury is empty.
Since the great disaster in the north in the autumn of this year, the imperial court has exempted the northern states from the regular taxes, and it will still be a disaster next year, and it will definitely be exempted next year.
In addition, the disaster relief and grain distribution, as well as the money for buying grain, are still in vain, and now the imperial court not only has no money, but also owes a lot of debts. ” Li Shimin was good, seeing that the treasury was empty, he immediately handed over the burden to Li Chao.
Originally, Li Chao, the secretary of the ministry, was in name and was not actually in charge of the ministry, but now that Li Shimin has spoken, Li Chao has to pick up this burden.
Find a way to get money for the imperial court.
Li Chao is rich, but the Li family has a big stall, not to mention that no matter how rich a family is, it can really be rich and rival the country's expenses for a year, which are all calculated by tens of millions of yuan, not to mention that there have been disasters and wars in the past two years, which is even greater.
Not to mention anything else, this year's grain with the rich landlords is an astronomical debt.
Originally, the imperial court increased its fiscal revenue by tens of millions of yuan a year through various methods such as commercial taxes, border markets, and monopolies, which was a great deal.
But now a famine has returned to the pre-liberation period, and there is still a lot of debt.
This household is still a book, but it is not easy to be.
Thinking about it, Li Chao felt that those rich people couldn't always owe the white slips, and they forcibly requisitioned the grain, and they kept playing the white slips and not honoring them, which would really anger those local tyrants.
But the imperial court really couldn't come up with the money to pay for these white slips.
You can't let the imperial court really print money.
But on second thought, printing money is indeed a good idea.
The imperial court can't print money, they will print money messily, but Li Ji Qian Zhuang can print money.
"You can issue some treasury bonds."
Li Chao thought that in fact, the best way was to borrow money from Li Ji Bank to the imperial court.
However, instead of borrowing directly, the imperial court issued treasury bonds, and Li Ji Qian Zhuang bought them, and the interest rate of the treasury bonds was stipulated, and Li Ji Qian Zhuang could take them at a low price, and then they could issue them at a high interest, so that Li Ji Qian Zhuang could be regarded as a contracted issuer of imperial government bonds.
But just thinking about it, Li Chao still dispelled this idea.
It would be too stupid to let Li Ji Qianzhuang do business with the imperial court, or do this kind of business.
This will expose the strong strength and huge wealth of Li Ji Qianzhuang, in case Li Shimin is poor and crazy, it is not impossible to rob him at that time.
Even if Li Shimin doesn't rob it, won't the emperor in the future rob it If the emperor doesn't rob it, don't those officials who shout the words of the sages all day long not want to rob it It's better to make a fortune in a muffled voice.
As for bonds, it's a good idea indeed.
The imperial court issued bonds, which could set the interest and term, and the whole country could issue them, and they could also use the land on the frontier as collateral.
Buy bonds, directly mortgage their frontier land, in case the imperial court can't repay the principal and interest on time, those lands can directly become bond holders.
In this way, bonds will always be attractive.
Li Chao plans to talk to Li Shimin in detail tomorrow after the New Year's Day meeting. t1706231537: