Chapter 131: Banks
"First of all, since there is already paper, we can print and issue paper and pen, which is much lighter than our original Qin Banliang. What's more important is that we can print different denominations, such as one qian, two qian, five qian, ten qian, etc...."
Fusu explained the concept of paper money in later generations to Qin Dada.
"As you said, paper money, this is indeed much more convenient than the current money!" Hearing this, Qin Da nodded, as if he agreed with the concept of paper money!
"and……"
After the words came to an end, as the emperor, Qin Dada clearly saw the other meaning of the banknote: "With this banknote, our production will be even cheaper in the future!"
After all, Qin Banliang is made of metal, and it costs a lot in all aspects.
"Yes, that's true!" Fusu nodded. The cost of making banknotes was of course much lower than that of the original Qin Banliang.
"only……"
Having said that, Qin Dada followed: "Although there are benefits of paper money, it is no secret that papermaking is right? What if someone imitates it among the people?"
"Then we have to start from many aspects to achieve the purpose of anti-counterfeiting!" Fusu replied.
"The material of banknotes, complex patterns, multi-color overprinting, inner seal and watermarking technology, etc...."
Since we have thought of reforming currency and using paper money, Fusu has naturally considered this point in anti-counterfeiting in advance!
To be honest, due to the technological aspects of the Qin Dynasty, it is not easy to prevent counterfeiting.
However, I searched the web page information carefully and how did those silver notes in ancient times be anti-counterfeiting? Just learn to do it together!
"Okay, since you have such a consideration, then there is no problem!"
According to Fusu, although Qin Dada couldn't understand the so-called watermarks and overprints, as long as Fusu could eliminate folk imitation, that would be fine!
"In addition, the issuance of this banknote is also for the future banking system!" After talking about the banknotes, Fusu said again.
"Bank? What does that mean?" Hearing this, Qin Da looked at Fusu in surprise, another new word.
Then, Fusu mainly told Qin Dada about the significance of the existence of the bank!
First of all, from the perspective of the people, for example, people from Langya County want to come to Xianyang to do business.
Then, if you put the money in the bank in Langya County, you can come empty-handed.
When we arrive in Xianyang, we will withdraw money from the bank in Xianyang to use it. How convenient is it?
Moreover, if ordinary people are afraid of being thieves, they can deposit their money in the bank, or even induce the people to deposit it in, and give them some interest!
It is also convenient and there is interest to earn, so why not do it?
"Wait, Fusu, if everyone in the world deposits the money, wouldn't we have to pay so much interest for nothing?"
When Fusu talked about the interest issue, Qin Dada looked at Fusu with the look of a prodigal son.
"Father, don't worry about this. We print all the money. We are all here to spend time on the banker and leisure. What are you worried about?"
"We can collect the money of hundreds of letters and then lend it to other people in need. Of course, the interest we charge is higher!"
"Besides, the interest paid to Baixin and inflation can be offset, so there is no need to worry about this!"
Hearing that Qin Da was worried that the interest paid to Baixin would be too much and the court could not afford it, Fusu comforted him.
Let’s talk about the issue of inflation. Normal inflation is actually within the acceptable range.
Fusu still remembers when he was studying in his previous life, he had meat buns, one dollar, four, and then?
After more than ten years, meat buns cost one dollar!
What else is there to say?
Who can do a normal inflation?
"In addition, the biggest role of the bank is not these!" Fusu said again after the tone of the conversation.
"What else does it do?" Qin Da looked at Fusu strangely.
He reformed the currency and wanted to hold a bank because the circulation of money was more convenient?
"Let me give a brief analogy. If cement is built and we want to build a bridge, what should we do? Let the news be released, and then let the merchant bid. After getting the bid, the merchant has to organize people in the local area, right? In this way, the local jobs have been pulled!"
"What if the businessman is not enough? The bank can borrow it! Yes?"
"Relying on the role of banks, we can control many matters across the country more closely!"
"Then, for example, if we want to vigorously develop agriculture this year, then banks will lend and tilt towards agriculture!"
"Next year we want to vigorously develop road construction, which can also allow banks to tilt their mortgage strategy towards road construction!"
"Human nature is profit-seeking, and it is far less safe than this aspect to be prohibited by simple laws!"
"In this way, relying on banks, where we want to develop, we just need to adjust the bank's resource tilt..."
Fusu spoke more carefully, and Qin Da listened even more carefully!
If Fusu said some professional terms related to banks, Qin Dada would definitely be confused and confused!
However, Fusu used a metaphor to illustrate that, so Qin Dadi also understood 40% or 50%!
"Fusu, reform, this currency system, quickly reform, what should we do? Tell me quickly, start doing it quickly, and there are banks, start doing it quickly!"
Although he only understood part of it, Qin Dada could also understand that holding the bank in his hands was an incalculable effect on the country, especially for the emperor to control this country!
To be more precise, relying on the bank and as the emperor, I can firmly hold all the money in the world, right?
What to do is of course much easier and more convenient!
Therefore, Qin Dada was even more impatient, even more anxious than Fusu!
"Okay, let's get started!" Fusu nodded and said with a smile when he heard what Qin Dadi said.
"I will give you three days to do it. After three days, you can only take the time to do it. Don't think of escaping these memorials!"
However, seeing Fusu immediately got up and ready to leave, Qin Da said and gave a death order!
"Ah? It's only three days?" Hearing this, Fusu's face collapsed, and she was about to cry without tears.
"I suspect that you are talking about monetary reform, and the essence is to avoid dealing with the memorial!" Qin Dada stared at Fusu angrily and said.
"I didn't, it's impossible, it's not like this!" Fusu immediately denied the third company when he heard this!
Chapter completed!