ps: Thanks to book friend "White Universe Wind 17" for his monthly vote.

Mo Yiqing said: "In addition to the three prefectures along the river, the place where these six prefectures should be reduced, it should be able to reduce a lot of the impact."

Wu Zheng said: "I will discuss this with His Highness the Superintendent... You and Ling Zu don't have to worry about this matter, I will solve it myself."

"Yes." Mo Yiqing responded, then hesitated and asked tentatively, "There is something in Qing'er's mind, I don't know if she should say it?"

Wu Zheng sneered: "You dare to use my name to instigate the Zuyi Administration Office to issue official documents. What other major issues are there that you dare not even say?"

Mo Yiqing bit his lip and said, "Husband, are you still blaming Qing'er?"

Wu Zheng also felt that it was useless to bother about this matter, so he shook his hand and said, "I'm a petty family, forgot, I won't talk about this matter anymore. What's the matter?"

Mo Yiqing then plucked up the courage and said, "Qing'er had suggested that his family's ancestors lend money. In fact, this was Qing'er's plan to kill three birds with one stone."

Wu Zheng was a little surprised and said "Oh".

Mo Yiqing said: "First, it is to relieve the insufficient circulation of money in Hangzhou Prefecture, the second is to save the difficulties of many merchants in the city, and the third is... this is also the main purpose of Qing'er's plan."

"What is the purpose?" Wu Zheng couldn't help asking. He really didn't expect that this girl had a third purpose.

"The Mo family has been doing business for generations. Qing'er has heard of it since childhood and knows that the most important thing about running the world is the circulation of currency. It is easy to carry the treasure money of the Ming Dynasty. It should have been a strategy to benefit the country and the people, but it was unsuccessful. It happened that the court lacked financial resources and let it go, and it became a bad policy that harmed the people and poisoned the world."

Wu Zheng felt a little moved, and he admired the girl a little.

"Do you want to send Baochao again? No... No, this matter is not feasible now, at least it won't work in the short term, and the reputation of the court cannot support the circulation of Baochao."

Wu Zheng knew the pros and cons of this. The printing technology was not good at this time and could not stop counterfeiting. Especially now that the four forces are in power, wars are frequent, and reissuing treasure money is almost a desperate situation.

"My husband misunderstood. Qing'er didn't want to regain treasure money."

Wu Zheng was stunned, "What do you mean?"

"Hangzhou merchants gather, and there are more and more merchants from various countries, and it is very inconvenient to carry gold, silver and wealth, and many robberies have happened. If the husband opens a money shop with the reputation of the imperial government and accepts the money from the nine palaces, it will definitely reduce the loss of merchants and undoubtedly increase the profits of merchants. In this way, business will definitely go to a higher level. What Qing'er thought was exactly the same as his husband's tax business, and that was to exchange for the world."

Wu Zheng opened his mouth wide and was shocked. Could this girl have traveled through time like herself?

"Good idea." Wu Zheng exclaimed loudly as he slapped, "It would be better if he could open a bank."

"Bank?" Mo Yiqing thought in confusion, "Where is the place for the bank to be stored?"

Wu Zheng felt at ease and replied: "That's right."

"Just change the money house to a bank according to your husband's wishes."

Wu Zheng smiled bitterly and said, "Do you know how the bank operates?"

"Qing'er only knows the general steps of the money house. If the husband agrees, the family ancestors are well aware of this."

Wu Zheng shook his head and said, "What I am talking about is not the opening of a money house, but the most important thing about the operation of a money house is credibility. I am the Hou of Jinghai, and it is true that I control the three palaces, but after all, there is a court above, and the money house is exchanged with the nine palaces, which involves too much, and it is difficult to connect for a while."

Unexpectedly, Mo Yiqing said: "In fact, it is not as complicated as the husband thinks. The money bank accepts, collects, and gives out real money and silver, and equal amounts of money. The money bank uses the silver from here to deliver the goods from other places and charges some fees from it. This is completely free from being controlled by the court."

Wu Zheng suddenly had a bad mind. Shouldn’t he pay depositors interest when saving money? Instead, he charges storage fees and exchange fees?

"According to your opinion, will the merchant come to deposit and repay the fees?"

Mo Yiqing chuckled and said, "Your husband knows that foreign merchants from Hangzhou Prefecture are transported by the private escort agency. How much escort fee is charged by the escort agency?"

"How many?"

"According to the high and low goods, whether they are fragile, and whether they are within a deadline, they will charge between 10% and 30% of the total car. If it is a complete vehicle of gold and silver, it will charge between 10% and 20% according to the distance and the dangerousness of the journey."

Wu Zheng immediately understood that according to Mo Yiqing's strategy, this matter could be feasible.

The escort fees consumed by merchants can be converted into exchange fees. Even if the two are not much different, they reduce the dangers of gold, silver, goods, and the convenience of acceptance. This is the greatest benefit for merchants.

"Is this your third purpose? This is feasible, but I don't think it's related to the previous lending?"

Mo Yiqing explained: "This loan involves thousands of merchants in the city. In addition to their reputation, they also require a lot of connections. Husband, just imagine, if the business transactions of these debt-owed merchants are exchanged through money dealers, what will happen?"

Wu Zheng suddenly realized that it made sense.

"Besides, what if the debts of these merchants are converted into shares?"

Wu Zheng was confused, "You mean to let them invest in the money bank?"

Mo Yiqing covered his mouth and smiled, "My husband is so generous. Can a money house like a treasure pot also allow others to invest in it?"

"That's...?"

"If you invest in debts and owes debts, your husband will have control over their business and speak. Naturally, your husband is not suitable for you to come forward, so you can choose another person to replace your husband."

Wu Zheng now understood everything, and he had to admire Mo Yiqing. He had clear ideas and thoughts beyond the times. He was such a rare talented woman.

Using debt, merchants are forced to transfer their industrial shares under their name, and then intervene in the decision-making as shareholders, and entrust the funds generated by business transactions to the bank. This is equivalent to the daily flow of funds generated by Hangzhou Prefecture, all circulating and transferring within the bank. Whether it is the buyer or the seller's money, most of it becomes a number, and this money has always been lying on the bank's account.

No need to do more. The thousands of merchants owed to Hangzhou Prefecture are enough to instantly gather a huge amount of funds. Although the ownership is not owned by the money bank, it is actually in the money bank's warehouse.

The key is that the bank not only does not have to pay interest, but also can charge a lot of transfer fees.

What is different from later banks is that the money houses opened now are protected by the credit of the imperial government and Wu Zheng. This is probably the only one among the people, and there is no other semicolon.

Monopoly! This word flashed in Wu Zheng's mind, and the meaning of this word is huge profits.

Wu Zheng smiled. This girl was so outstanding, to a surprising point.

Seeing Wu Zheng’s heartfelt smile, Mo Yiqing said in surprise: “Did you agree?”

Wu Zheng nodded, "You go back first and call your grandfather."

"Yes." Mo Yiqing's steps when he went out became light, which was somewhat incompatible with the education she received since childhood, but at this time, she no longer realized it.
Chapter completed!