"Why is it Yingyang, not Silver Ingot?" While talking in the room, a noisy sound came from outside.

Zhao Peng and Jiang Guomao stood up and walked outside. They asked a Jinyiwei who was in the security work in the hall and found out what was happening at the counter. It turned out that a customer came to handle the loan business. His land deeds and store deeds were approved, and the silver account sent someone to his farm and shop to check it on site. After accepting his land deeds and store deeds, he gave him a loan of 1,100 taels of silver according to the contract. This procedure was quickly completed from beginning to end and it was completed in one morning.

However, when the merchant got the cash silver, he realized that the silver he had in his hand was not silver ingots, but silver dollars. He didn't look carefully for a while, and thought it was Yingyang from Franchise, so he started shouting.

In fact, when the Ming Dynasty traded with the Spaniards and the Portuguese, silver dollars were also collected. However, the weight of the silver dollars was very different from that of the Ming Dynasty, and it was inconvenient to settle when it was circulated in China. Therefore, the Yingyang received by the Ming Dynasty was melted into silver ingots, and then made into silver ingots and broken silver that were easy to divide.

When people bought goods, they were more troublesome when checking out. They took out the silver to settle the bill. The other party wanted to find money, just cut a piece of broken silver or found broken silver for the buyer. If there were still some fractions, they would use copper plates to retrieve it. Merchants should prepare scales to measure the weight of the silver.

The teller at the counter explained patiently to the merchant: "This guest official, this is not Yingyang, but the silver dollar issued by our Ming Dynasty Royal Silver. In addition to silver dollars, there are gold coins and copper coins. If you look carefully, there are the words "The Ming Dynasty Royal Silver No. and the sun and moon shine pattern. Each silver dollar weighs one or two liang, and one yuan is one or two, which can be used just like silver ingots and broken silver."

"I'm afraid that when I buy goods, the store will refuse to accept them and insist on letting me replace them with silver ingots or broken silver." The merchant said.

The teller said patiently: "Customer, you don't have to worry about not being able to use the silver dollar. The store will definitely collect it. If the store doesn't collect it, you will come back and exchange it for silver ingots."

At this moment, Zhao Peng's voice came from behind: "Exchange him one thousand taels of silver ingots, and the remaining one hundred taels will be exchanged for him."

"Brother?" The teller looked at Zhao Peng and hesitated whether to change it to the merchant.

"Why? I can't even listen to what I said?" Zhao Peng's face turned aside.

"No, I'll change this guest now." The teller replied quickly.

After a while, a box of silver ingots was prepared for the merchant. Although there were only one thousand taels of silver ingots, and the remaining 100 taels of silver were still silver dollars, the merchant didn't say anything. After all, the usury outside was paid out nine and thirteen, and the monthly interest was one gross profit. This is the three-year loan period, and the interest was one cent. If you borrow one thousand and one hundred taels of silver, the monthly interest was only eleven taels, and the interest in three years was only 396 taels, and it was repayable in installments, and the monthly repayment was forty-two taels of silver.

Such a loan is already very cheap. It only costs 42 taels to pay it back in a month and pay it off in three years. It is no pressure for the merchants. With such a low interest rate of 1,100 taels of silver, even if you get 100 taels of unusable silver, you will not suffer any loss. There is more than so much interest on usury outside.

So the merchant happily accepted 1,000 taels of silver ingots and 100 taels of silver. In fact, it was not 100 taels of silver. Among them were 50 yuan silver and five gold coins, which added up to 100 taels of silver.

The merchant who got the loan was in a good mood. This was a maritime businessman raised by the Donglin Party. He happened to have a poor turnover of funds. After getting the money, he planned to sell a batch of raw silk to Japan opposite the Donghai Sea.

The businessman thought to himself: Since that one hundred taels are used as broken silver, it would be better to go to the restaurant opposite to invite a few partners to have a good meal to see if the broken silver can be spent.

The merchant asked someone to send a box of 1,000 taels of silver back to his business, carrying a bag of coins on him, but he was still worried and took another twenty taels of silver on him, and then got into the car and walked towards the famous Qingjiang Tower in Nanjing.

Shortly after the merchant arrived at Qingjiang Tower, the man who was responsible for sending the money back arrived with several shopkeepers in the business. Just now, eight people went to a private room in the elegant hall on the second floor of Qingjiang Tower and ordered a table full of delicious food. When the wine and meals were full, the merchant asked the waiter: "How much is the silver?"

The waiter replied: "Customer, there are seven taels of silver in total."

The merchant took out the money bag from his arms, opened it and took out seven silver dollars: "Can this be checked out?"

"Customer, please call the shopkeeper later." The waiter said.

After a while, the shopkeeper went upstairs. He looked at the silver dollar in front, first picked up the silver dollar and bit it in his mouth, then weighed the weight in his palm, and finally asked someone to weigh it. After weighing the weight, he said to the merchant: "Yes, it's exactly seven taels of silver."

The businessman spent seven taels of silver coins and went to a brothel to spend that night. In just one night, all the remaining ninety-three silver coins and gold coins were spent.

The day when the Royal Silver of the Ming Dynasty opened was the day when the Nanjing New Army and the Jinyiwei paid military salaries.

"The military pay has been paid!" Wang Quan, He Xing and others came to the military camp account to receive the military pay. In a short while, they received their own military pay.

"Why is this kind of thing?" He Xing asked, looking at the silver dollar he received.

The accountant said: "In the future, the military pay will be paid in silver dollars. A piece of silver dollars is exactly one tael. Don't cut the silver in the future. It will be much more convenient to use."

"But can the store collect our silver dollars?" He Xing asked.

"Why don't you charge it? Our silver dollars are of good quality and easy to use, so why don't you charge it?" said the accountant.

The Jinyiwei took the military pay he had just received in skepticism and went to the grain store to buy rice for his family. When they walked into the grain store, they asked for a stone of rice and took out two silver dollars to pay the bill.

The waiter and the shopkeeper first identified the ingredients of the silver dollar, then weighed it. After weighing the weight, they received the silver dollar and let He Xing carry it back with a stone of rice.

Wang Quan said: "Brothers, I have no home and no room. I will eat one person and my whole family will not be hungry. Today I paid military pay. I will invite you guys to have a good meal!"

He Xing smiled and said, "Brother, you should save some money and leave some money to marry the girl Qingzhu."

Wang Quan said: "It's okay. I can't drink in the military camp on weekdays. Today I paid military pay. I spent some money to invite all brothers. Anyway, I belong to the Falcons, and the military pay is quite high. I'm the host today, so I invite all brothers."

The group came to Beishi Building and had enough food and food. Wang Quan took out the silver dollar to settle the bill and spent a total of three taels of silver. His monthly military pay was five taels of silver, which was half of which was removed at once. However, he did not feel sad at all. Instead, he was happy that the silver dollar was very popular on the market.

The Nanjing New Army and the Jinyiwei, who had paid military salaries, purchased goods and consumed silver in Nanjing. These newly issued silver dollars were very popular among merchants, but there was still a phenomenon of looking for silver. The silver dollars could not be cut, so the merchants had to take out their own broken silver and cut a few dollars from it to the soldiers to return it to the soldiers. If there was a fraction of them, they used copper coins to find money.

"Shopkeeper Zhang, why don't you go to the silver account to exchange for some change? With the change, you don't have to cut the silver in the future, which is much more convenient." At this time, the owner of a cloth shop opposite came in.

The restaurant shopkeeper said worriedly: "I have heard that the Ming Dynasty Royal Silver issued change, including five cents of silver, two cents of silver, one cents of silver, and copper coins equivalent to one cents of silver, and copper coins of two cents of silver, but I am still not relieved."

The owner of the cloth shop smiled and said, "Since it is the Royal Silver Centre of the Ming Dynasty, what else can I worry about? The quality must be sufficient. Shopkeeper Zhang, how exquisite the workmanship of these silver coins is? And each piece is more exquisite than the silver ingots on the market. After all, it is the face of the Emperor of the Ming Dynasty. If it is fake, will Your Majesty be embarrassed?"

Manager Zhang said worriedly: "I'm not afraid of Your Majesty's fraud. Your Majesty definitely won't, just afraid that some little people on the market will fake it."
Chapter completed!