Physician of the Song Dynasty: Zhang Kai and Li Qingzhao have a private life-long contract

"Royal Bank of the Song Dynasty."

When the majestic signboard was erected on Yujie, the whole city of Kaifeng was agitated.

Nothing else, just because the Royal Bank of the Song Dynasty was the first shop with the royal name in the Song Dynasty. In this era, the majesty of the royal family was inviolable, and coupled with the legends of the golden words of the emperors in the past dynasties, the people suddenly became dissatisfied with the so-called The Royal Bank of the Song Dynasty was a little more in awe.

"What is a bank?" Some people asked doubtfully. After all, this is the first time a bank has appeared in the world, and people have never heard of it.

"This is not simple, the bank is the guild of money." A businessman said with a solemn expression.

"A guild of silver." All the people in Kaifeng were speechless.

In the Song Dynasty, all those who could be called guilds were large-scale commercial institutions. As soon as the word "bank" came out, its majestic momentum immediately hit the face.

What's more, this bank bears the name of a royal family, which makes everyone even more intimidated.

Immediately, news came that the person in charge of the Royal Bank of the Song Dynasty was the evil doctor Fan Zheng, who was in charge of the business of casting money, flying money, and young crops money in the Song Dynasty, and was also responsible for the issuance of national debt!

"The officials have ordered that as long as the Song Dynasty royal family is still alive, every bill of the Royal Bank will be paid."

"In Kaifeng City, the doctors will transfer all national debt business to the Royal Bank of the Song Dynasty!"

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As the news comes one by one, the interest in Da Song Royal Bank is getting higher and higher.

The Royal Bank of the Song Dynasty is headed by Fan Zheng, a successful forensic scientist, and has the guarantee of royal credibility. After annexing the three treasure troves of the imperial court, it can be said that it has gathered the strongest credibility in the world. If it can still default on its debts, then I am afraid there will be nothing in the world. It can be believed.

At this moment, the people of Kaifeng no longer had any worries and went to the Royal Bank of the Song Dynasty to buy treasury bonds.

At the same time, with the integration of the powerful power of the imperial court, royal banks in major cities of the Song Dynasty such as Luoyang in Xijing and Yingtianfu in Nanjing sprung up like bamboo shoots after a rain.

Thanks to the joint credibility of the royal family and doctors, the Royal Bank was quickly trusted by the people of the Song Dynasty. In just one month, all 10 million treasury bonds were sold out.

"Report to the official family! The humble minister has fulfilled his mission! The 10 million treasury bonds have been sold out."

After Fan Zheng escorted tens of millions of dollars of wealth to the Ministry of Household Affairs, he personally came to the Political Hall to report to Zhao Xu.

All the officials in the court looked at Fan Zheng with confusion. Although Fan Zheng acted in evil ways and caught people off guard, his evil ways were still invincible. The things that the officials in the court were helpless to do were solved easily in Fan Zheng's hands.

"Okay! Fan Aiqing is really efficient in doing things."

Zhao Xu Longyan was very happy. With these tens of millions of national debts, it was enough to greatly ease the stretched finances of the Song Dynasty, and he could do more things.

"I would like to report to the officials that everyone is praising the national debt, and it has been sold out in just one month. I think it is appropriate to issue some more national debt." Cai Jing saw the opportunity and spoke again.

Cai Jing's words immediately made Zhao Xu's heart beat. Although the Song Dynasty Chaotang issued 10 million treasury bonds, it needed to repay last year's treasury bonds plus interest, so there was not much that could be controlled by the court.

Since there is support from the public, the court can issue some more national bonds, which is enough to allow the court to do more things.

"I object!" Fan Zheng immediately objected.

Cai Jing frowned and said: "Why did Fan Taicheng say this? Didn't you say that as long as the court can repay the money, even if it borrows tens of millions more, it will be fine. Now the Royal Bank is in charge of Zhuqianjian, Feiqian, Qingmiao money, Qingmiao money alone." The principal amount of money is 15 million guan, not to mention the two cornucopias of money making supervisor and flying money. Not to mention the discovery of 10 million guan treasury bonds, the issuance of 15 million guan, or even Twenty million guan is no problem."

All the officials in the court couldn't help but nodded slightly. The Royal Bank's financial resources were extremely strong, and there was no problem in issuing more national debt as appropriate.

Zhang Dun was the first to nod and said: "I agree. As far as I know, many businessmen in the private sector buy treasury bonds and even use them for bulk goods transactions. It can be seen that there is a lot of demand for treasury bonds among the people. There is no problem in issuing more."

All the officials in the Manchu Dynasty couldn't help but tremble slightly. Today's national debt is even more popular than the Guanjiaozi of the past. If used properly, it can even replace Guanjiaozi and become a brand-new paper currency.

"Bills?"

Fan Zheng couldn't help but twitch the corner of his mouth. He didn't expect that the imperial court had not given up on the idea of ​​paper money and was preparing to replace government bonds with government bonds.

Fan Zheng shook his head and said: "I would like to report to the officials that the Song Dynasty lacked copper coins. Iron coins were used in Sichuan and Shu, and transportation was inconvenient. This gave birth to Jiaozi. However, it was precisely because of this innate deficiency that Jiaozi could not be promoted in the Song Dynasty. , Jiaozi is destined to decline."

Although the emergence of paper money was a general trend in the minting industry, its appearance in the Song Dynasty was an abnormal product.

Zhao Xu's expression changed. The appearance of Jiaozi was a very special situation in Sichuan and Sichuan. The failure of Jiaozi was due to Jiaozi's innate shortcomings on the one hand, and the greed of human nature on the other. Of course, this also included the businessmen who issued Jiaozi. , including the government.

"However, this matter is not without a solution. I have a party that can not only solve the problem of copper shortage in the Song Dynasty, but also satisfy the people's large-scale transactions." Fan Zhengxin said.

"Fan Aiqing, please tell me!" Zhao Xu said happily.

"Make new coins!" Fan Zheng said solemnly.

"Creating new coins? Then we still need to use copper! How to alleviate the copper shortage in the Song Dynasty." Cai Jing sneered.

Fan Zheng shook his head and said, "What Fan is talking about is not copper coins, but silver coins!"

"silver?"

All the officials couldn't help but be in an uproar and looked at Fan Zheng in confusion.

Fan Zheng nodded and said: "That's right! The currency of the Song Dynasty has always been based on copper, with gold and silver as an auxiliary. But now that the Royal Bank has been established in the imperial court, it is natural that silver should be the main currency. I propose that the court use silver as the standard. Lord, the Coin Coin Supervisor changed the copper coins into silver coins."

"Copper standard!"

"Silver standard!"

Although this kind of financial terminology first appeared in the Song Dynasty court, the people in the court were all the elites of the Song Dynasty, especially the New Party, who were a group of financial experts, so naturally they understood this.

"But our Song Dynasty already has silver ingots and gold ingots. It's not that we don't have silver money!" Lu Dafang frowned.

Fan Zheng shook his head and said: "Although silver ingots can replace silver coins, traditional silver ingots are not easy to carry. They are soft and easy to wear. What's more, silver ingots are extremely valuable and are not suitable for circulation."

All the officials in the court nodded. This is why silver ingots are not suitable for circulation. In the Song Dynasty, copper coins were usually the main settlement method.

"Among the people, most of what is circulated is broken silver. It can be seen that the people need small amounts of silver and copper coins for transactions. The quality of broken silver varies from place to place, so it is difficult to accurately estimate its value and often causes disputes. I plan to use the royal family The bank collects the world's silver and resmelts it into silver coins. Like copper coins, it has a fixed weight and the same value. Each silver coin is worth slightly less and is equivalent to a hundred copper coins. This can greatly facilitate private transactions and can also Save a lot of copper consumption." Fan Zheng said solemnly.

Fan Zheng has a deep understanding of the currency shortcomings of the Song Dynasty. One tael of silver can be exchanged for 1,500 copper coins. It is almost impossible to make change. Broken silver is the main force of daily transactions. He presides over the Royal Bank and is the new official. The first of the three things he did when he took office was to issue silver coins, which completely changed the current situation of inconvenient money transactions.