Xu Hui recalled the size of the items on the car, couldn't help but grin and said, "It's a long way to transport a big stone, which is a waste of money."

Xiao Zhao pursed her lips and didn't say anything, let alone tell her sister that she had left a big stone, which was very beautiful and very beautiful.

Although there is a box of jade carvings in the new city, I still look into the box with my eyes.

Finally, I couldn't help it, so I reached out and picked up a five-colored jade bird, raised my face and said to Xu Hui, "Xu Chongrong, can I give this to me?"

Xu Hui nodded with a smile and said, "Your Highness the Princess is optimistic and you can take it. There are so many!"

Xincheng giggled and grabbed the little jade bird and ran away with satisfaction.

"Okay, it's too late today. Let's hurry up and start the lecture!" Xu Hui smiled and signaled Xiao Zhao and Princess Jinyang to sit down. As for Xincheng, she listened obediently.

They are all girls and Princess, so they will naturally not be too tired to study. But Xu Hui found that the younger sister looks very much like her and is quite talented in literary talent. As for Yizi, she has made rapid progress in Feibai calligraphy.

This is also great. Anyway, when Your Majesty saw that his beloved daughter's calligraphy was more powerful than him, he was very relieved and smiled from ear to ear.

Before the time for get out of class was over, Xu Hui heard the voices outside and frowned. But she soon smiled helplessly again, and others scolded her, "Your Majesty, who dares?"

"The class must be over at this time, why don't you see Yizi and Xiaozhao coming out?" His Majesty Li Er was determined to remove the stones from the car and lift off the linen to appreciate it.

Xincheng was the first to run out, calling him father, and in a blink of an eye he was attracted by the big stone, and went forward to touch and shoot.

Xu Hui had no choice but to get off get out of class and brought Yizi and Xiao Zhao out to greet him.

"Forgive it, forgive it." His Majesty Li Er waved his hand casually and called everyone to watch the stones.

Xu Hui had just seen the stone, but was attracted in a blink of an eye and was amazed.

This big stone is natural, smooth all over, without any trace of carving. It is blue, black, yellow, brown and green, and is as clear as natural scenery and beautiful as a landscape, as if a landscape painting is presented in front of you.

"Is this natural?" Xu Hui exclaimed, "It's really amazing and amazing."

His Majesty Li Er also kept his head and said, "Qi Lin reported before that there are jades to mine in Jiuquan. I didn't expect that the quality is so good. It is so natural and not carved. If it is sold, it will be of great value."

Xu Hui looked at His Majesty with a strange look and said to himself: Appreciating strange stones is an elegant thing, why did you think of money?

His Majesty Li Er also realized that this should not have come from the emperor's mouth, so he blew up and said, "It's like turning stones into gold, Qi Lin's methods are amazing."

"I am very surprised when I can sell stones for money." When he said that, Xu Hui's tone changed. He stepped forward and touched the stones and said, "When the Daming Palace is completed, I will place this strange stone in my palace. I hope your Majesty will be allowed to do so."

His Majesty Li Er said with his head: "This is a trivial matter, how can you not allow it? If your beloved concubine likes it, just ask Qi Lin to give you a few more yuan."

Xu Hui hurriedly said, "It's enough for me to have this stone to transport stones from a long distance, which is a waste of money."

His Majesty Li Er smiled and said nothing. What a waste of money and money, your brother doesn't think so. Transportation and logistics can benefit the people and drive the economy.

The little girls ran to play, and His Majesty Li Er entered the palace to rest with Xu Hui.

His Majesty Li Er looked at the jade carvings in the box and couldn't help but nod and admire: "There are both strange stones in the courtyard and these exquisite jade artifacts. I feel very at ease in Suzhou's business."

After pausing, His Majesty Li Er added: "I don't think it will take three years to summon Qi Lin back to Beijing, and my beloved concubine doesn't have to always worry about her relatives."

Xu Hui smiled and said, "It is human nature to think about family affection. If Your Majesty needs it, how dare I stop Your Majesty from dispatching ministers and workers."

His Majesty Li Er smiled and stroked Xu Hui's jade hand, saying, "I really have the idea of ​​transferring Qi Lin to his place. Well, it will be not too late to discuss it after he returns to Beijing."

Xu Huihe said first: "It's always good to have more experience, but Your Majesty has arranged a good place for you. It's thousands of miles away, a bit far away."

As he said that, Xu Hui reached out to take a cylindrical object and said, "I am clumsy. I heard from me that I have talked about the style of knee pads, so I made a pair for Your Majesty."

His Majesty Li Er took it and fiddled with it for a while, then understood the usage, and nodded repeatedly, "Wrap this thing around your knees does have the effect of keeping warm and dampness-relieving. It is very beneficial to my wind numbness, and my beloved concubine has troubled me."

Tai Chi Palace is damp and cold, and His Majesty Li Er has suffered from mild rheumatism. In today's medical term, it is rheumatism.

Not only did His Majesty Li Er suffer from this disease, but the scumbag Li Zhi also suffered from rheumatism later, but it was also very serious. The major reason for rebuilding the Daming Palace was that Li Zhi could not bear the pain of the illness.

Xu Hui half-kneeled on the ground, lifted up His Majesty Li Er's robe, put his knee pad on him, and smiled and said, "It looks appropriate, but I just don't know if it's convenient to move?"

His Majesty Li Er laughed, got up and walked a few steps in the hall, and said, "Well, it's very appropriate. But I don't know that my beloved concubine is both literary and beautiful!"

"I dare not say that I am proficient." Xu Hui said with a smile: "In a few months, I will move into the Daming Palace, and this knee pad will not be used."

"It can be used, it can be used." His Majesty Li Er sat down, hugged his beloved concubine's shoulders, and sighed: "It can only be separated from the wet land of Tai Chi Palace by relying on Qi Lin's management methods."

After a pause, His Majesty Li Er smiled and said, "I don't know that even my beloved concubine is looking for someone to dig gold mines everywhere! He is very confident about this. He said that Lu Yuxian's advice would be correct. When the gold mine was found, the income would be fully transferred to Luozhou and used as a resource for rebuilding the Luoyang palace."

Xu Hui thought for a while and said, "Does Your Majesty want to move the capital? This matter is very important, and you still need to follow it carefully."

His Majesty Li Er pondered for a moment and said, "Although I have this intention, it will be difficult for him to succeed if he does not eliminate the malpractice of Hebei and Henan."

Xu Huiduo was smart and immediately guessed that His Majesty wanted to transfer his younger brother to Hebei Road or Henan Road. Whether to move the capital depends on the business conditions of these two roads.

I guessed it, but Xu Hui didn't say it out loud, and smiled and held the tea offered by the palace servants and handed it to His Majesty Li Er.

…………………

The fastest way to get rich is probably to pick up treasures or dig up gold.

For Xu Qilin, it is not surprising to know some mineral locations in later generations, and he doesn't even need to summon souls.

For example, the Deng and Lai gold mine mined during the Song Dynasty; and the Linglong gold mine that began in the fourth year of Jingde in the Song Dynasty and was still mined until later generations.

That's right, Xu Qilin could make a fortune in Shandong Province alone. Moreover, the mining technology of the Tang and Song dynasties was not much different, and Xu Qilin was very confident that he could surpass it for hundreds of years.

Collecting gold and stealing silver is Xu Qilin's long-term plan, and it is a means to promote the development of the commodity economy and solve the problem of money shortage in the Tang Dynasty.

First of all, let’s talk about the money shortage, which began to appear in the late Zhenguan period of the Tang Dynasty, and became even more serious in the middle and late Tang Dynasty, causing serious private casting and excessive casting of copper coins, posing a great threat to the national fiscal system.

Why is this happening, and it is not difficult to find the reason.

When the Tang Dynasty was first established, the social economy began to develop stably, and the commodity economy was also in a recovery stage, with a low level. In this way, the monetary system that operates both money and silk has its own reasonable side and can also adapt to the needs of small-scale commodity trading.

But when the commodity economy develops rapidly to a certain extent, the business of money and money will expose its inherent backwardness and defects.

Because silk has shortcomings such as large body and heavy objects, inconvenient separation, difficult to transport and store, and is not welcomed by the market, its function as a currency tends to decline.

Commodity trading gradually tends to use higher-level copper coins as intermediaries, which requires increasing the amount of copper coins to be placed. However, China lacks copper, not to mention that Yunnan, a major mineral-producing province, has not yet been developed, and is not within the territory of the Tang Dynasty.

Therefore, if the imperial court wants to issue more coins, it is difficult to have sufficient raw materials. As the shortage of copper coins in circulation increases, the value of copper coins will naturally continue to rise and firmly. Private minting and infringement will make huge profits, and it will naturally continue to ban it.

In Xu Qilin's view, gradually withdrawing copper coins from the monetary system is the ultimate solution. Otherwise, even if Nanzhao (Yunnan) is conquered, according to the current mining level, it will not be able to meet the needs of casting copper coins.

To put it bluntly, Xu Qilin's idea was to use more advanced currency symbols such as paper money instead.

The production cost of paper money is low, easy to store, carry and transport, and is more suitable for large-scale transactions, which can promote the rapid development of the commodity economy.

But Xu Qilin also knew that it was not easy to get the court to allow the issuance of paper money and make the people agree with it.

It turned out that the transaction was to hold or collect heavy copper coins, but now it was replaced with a few light papers, and no one could support it. It was inevitable that he had doubts in his heart: this thing would not become waste paper one day, it would be worthless, right?

If it is like silk and works with copper coins, it may occur that you only recognize copper coins, not paper money, or that copper is expensive and paper is cheap.

But it is not impossible to abolish all copper coins and make people confident in paper money. What Xu Qilin thought of was issuing higher-level precious metal currencies - silver coins and gold coins, and to enable the banknotes to repay precious metal currencies.

This is equivalent to the reserve required by banks in later generations to issue paper money, which can be used to maintain the credit of the currency.

At the same time as issuing paper notes, the issuance date is printed, and it is stipulated that one year later, you can exchange silver or gold coins for normal price comparison, or exchange banknotes issued in the new year.

As long as the exchange can be guaranteed in the first year, the people will build confidence in the banknotes, thereby gradually reclaiming the copper coins on the market, and finally completing the transformation with banknotes as the main currency.

It is quite complicated and takes a long time to complete the currency transformation.

Of course, while promoting the commodity economy and saving copper materials and casting costs, if the country's credit is not present, paper money will also become the culprit for harming the people.

This is a double-edged sword, just like gunpowder. At present, gunpowder explodes stones and mines, and even improves the military strength of the Tang Dynasty. However, in later generations, it was promoted by outsiders and bullied China in turn.

Xu Qilin was very open about this. Instead of worrying about the future, it would be better to do what is now. Can the country be permanently strong without paper money? After all, it depends on people.

So, while sending people to find gold and dig silver, he was doing the preliminary work of launching banknotes.

After more than a year of business development, Ganzhou's commercial activities are becoming increasingly prosperous. When Gaochang is built, it will usher in a leapfrog development.

The conditions were basically ripe and the preparations were basically completed, and Xu Qilin began to take action.

The gongs and drums were loud and the firecrackers were ringing. In Ganzhou City, a large shop called "Commercial Money House" opened.

Because of the previous promotion, Xu Qilin invited Ganzhou merchants to have a banquet and personally took charge. On the first day of the money shop, many merchants came to support them, and more or less stored some money from the money shop, called custody.

According to the leaflet, Ganzhou Money House has a current fund of 100,000 yuan. The semicolon is in Chang'an, and it is also the same name, and it is also 100,000 yuan of funds, and the operation method is the same.

The main business of the money house is to operate cash custody and to deposit and withdraw from other places between Ganzhou and Chang'an.

The specific process is that the depositor delivers the cash to the bank, and the bank fills in the amount deposited by the depositor on the roll made of special paper and then returns it to the depositor.

When the depositor withdraws cash, the custody fee of one percent to the shop within ten days is paid per pound; within one month, it is 2 percent; when it reaches three percent, it will be capped and will not increase again.

If it is a remote deposit and withdrawal, then if you deposit it in Ganzhou, you can go to the Chang'an semicolon to collect it. If you deposit it in Chang'an semicolon, you can go to the Ganzhou money house to collect it. The storage fee plus the transportation fee is 5%.

Merchants have seen certificates of deposit printed on special paper. The patterns are very complicated and exquisite, and they are also hidden in marks. Both parties write and write them in person, which is extremely difficult to forge.

Putting money in a money house not only reduces the trouble and danger of carrying it with you, but also makes it more attractive to deposit and withdraw money from other places.

Think about it, if you take a huge amount of money to Chang'an, or go from Chang'an to Ganzhou, you have to hire a car to transport it, you have to hire a bodyguard, and the food, drink, and accommodation on the road will not be a small expense.

Let’s put aside the cost for the time being, what about the safety of the road? There is really no robbery and theft, and no sweat medicine in the black shop?

Therefore, after calculation, merchants think that 5% of the cost can be afforded, and the convenience provided is worth this price.

Despite this, people still have a cautious attitude towards an emerging thing. There are many people who save money, but not a large number; there are basically no ones who need to deposit and withdraw from other places.

Xu Qilin didn't care about this. There were always people who were the first to try it out. The name of the money shop gradually became popular and the reputation was gradually recognized by people.

The convenience of large-scale transactions, the trouble of transporting money, and safety considerations on the road, and the deposit and withdrawal in other places will be recognized by merchants sooner or later.

If further development continues, as long as the credibility is outstanding, large-denomination certificates of deposit will gradually become "credit currency" that can pay for the goods.

A piece of paper, yes, is a piece of paper that will be worth thousands of yuan, refresh the public's awareness and accept its existence in circulation.
Chapter completed!