Daming Town Haiwang

Chapter 357, Silver Notes and Silver Dollars
"With such anti-counterfeiting technology, it is really too difficult, too difficult to counterfeit."

Zhu Houzhao pondered for a while, then nodded and said.

The anti-counterfeiting of this banknote is anti-counterfeiting from all aspects. Materials, inks, watermarks, and colors are definitely technologies that have not been mastered in this era. If there is no golden finger, Liu Jin would not be able to successfully create such an exquisite product. The banknotes came out.

"With such bank notes, our business is much simpler. If someone comes to our bank to withdraw money, we only need to give the money according to the amount of the bank note. It is simple and trouble-free. The problem."

Xu Guangzuo thought for a while, and immediately discovered the benefits of this kind of banknote, because this kind of banknote does not rely on secret deposits and endorsements to prevent counterfeiting, and it is universal, so it is more mobile and convenient to use throughout the entire Ming Dynasty. conduct business.

Moreover, when Liu Jin issued these banknotes, he wisely chose small denominations, not hundreds, thousands, or even tens of thousands of denominations.

This means that these silver bills can actually be used among the common people gradually, and gradually become the currency that everyone uses every day. Well, if it is badly printed, it will eventually become a piece of paper.

"That's what I thought, that's why I researched this brand-new bank note. The First Bank of Daming will definitely spread to every corner of Daming in the future. Without a simple and convenient bank note, it will definitely not work. The traditional It is difficult for silver bills to meet this demand, so a new kind of silver bill must be researched."

"Our bank is convenient to work with, and it is also convenient for everyone to use. It has strong liquidity."

Liu Jin smiled, this game of chess is very big, and the ultimate goal is naturally to make these silver notes become Ming's currency invisibly, and hold the right to issue currency in his own hands.

Although it is known as a bank note, if it circulates slowly, the currency right will be in the hands of the Daming First Bank. At that time, it will not be so easy for the imperial court to take back this thing, because the Daming First Bank The major shareholder of a bank is the emperor and the military general Xungui Group of the dynasty.

It is impossible to make them spit out the fat in their mouths, unless they meet a fool who becomes the emperor.

"I'll show you something else."

Then Liu Jin took out pieces of round silver shiny things from the box next to him.

"What is this?"

Xu Guangzuo looked at the round thing in his hand, and he could tell right away that it was made of silver, and the silver light was shining. He knew it at a glance, but it was the first time he saw silver made into this shape.

Moreover, there are very exquisite pictures engraved on the front and back of it, and the pattern of the jade seal of the Qianqing Palace that will be built is printed on the front. Well, this is Liu Jin's promotion in advance, and it also symbolizes the highest power center of Ming Dynasty.

At the same time, the words issued by the First Bank of Daming, one yuan, and the twelfth year of Hongzhi were engraved on it, and then the reverse side was also engraved with a very beautiful picture. Year, one yuan, the first bank of Ming Dynasty and so on.

"Why is this silver made into such a shape?"

Zhu Houzhao carefully looked at the silver dollar in his hand, thought for a while and asked.

"The silver we use in the market now is of all kinds. There are official silver minted by the imperial court, private silver minted by private individuals, and bits and pieces of silver. There are all kinds of silver in the silver. They are not the same, some have high silver content and some have low silver content, which is very detrimental to our bank’s daily business development in the future.”

"So we have to cast a unified standard of silver dollars to facilitate the circulation of the market and also facilitate the development of our banking business."

"The reason why it is cast into this shape is because without certain skills, it is impossible for you to make such exquisite silver dollars."

Liu Jin thought for a while and said that when he traveled to Daming, he felt that the most troublesome thing in this era was the conversion of this currency. Various currencies and copper coins were divided into countless types.

There are copper coins cast by the previous dynasty, copper coins cast by the current dynasty, and copper coins cast by private individuals. There are various kinds of copper coins, and the copper content is also very different. Therefore, when using copper coins, everyone should pay attention to which kind of copper coins they are. If it is a copper coin with too little copper, no one is willing to accept it.

As for this silver, its value is greater, so there are more various kinds of silver, miscellaneous, various, and very chaotic. Every time many industries under Liu Jin make financial reports, it is a Due to the heavy work, sometimes Liu Jin is not easy to find out the moths in the property under his command.

Since it is necessary to open a bank and produce silver bills, it is necessary to produce silver dollars accordingly. The production of silver dollars is relatively much simpler, and the most important thing is to rely on a pressing machine to directly suppress the silver dollars.

Of course, although this technology is very simple, it is still an advanced technology for this era. Even the official silver ingots of this era are of extremely poor quality.

Anyone who has seen silver ingots knows that silver ingots are definitely not as beautiful and shiny as they are shown on TV.

The real silver ingot is actually not smooth, and there are even many air holes at the bottom. In the final analysis, the ancient casting technology is not good enough, which is why casting cannon is a technical job, because the ancient technology is limited. Under these conditions, it is difficult to produce castings without air bubbles.

The silver dollar produced by Liu Jin is different. It uses the technology that Liu Jin exchanged from the gold finger. The silver dollar cast does not have any air bubbles, the pattern is very exquisite, and the silver content in the silver dollar is very high. Very high, there is a crisp sound when you blow it lightly.

"Whoo~"

Liu Jin picked up a piece of silver dollar, put it on his finger, blew it lightly, and then put it to his ear. Hearing a crisp sound, he immediately nodded in satisfaction.

Zhu Houzhao and Xu Guangzuo also imitated Liu Jin, blew lightly, and heard a crisp sound.

"How much silver does this silver dollar contain?"

Xu Guangzuo's eyes lit up, and he knew that the silver content was not low just by hearing the voice.

"Silver is eighty-nine, copper is one-one, and the weight is exactly one tael."

Liu Jin replied, meaning that silver accounted for 89% and copper accounted for 11%. This ratio was also cast with reference to the later Yuan Datou.

"How much silver does it contain?"

"Aren't we going to lose money?"

Zhu Houzhao heard it, thought for a while and said.

Silver casting in this era, even official silver, generally has a purity of 70%-90%, which involves fire consumption. Officials and military generals in the following provinces are corrupt, so the general content is about [-]%. , a few even only [-]%.

The silver dollar cast by Liu Jin has a silver content of 89%, which is very, very small, and only a very small number of official silver minted by officials can reach this level.

As for some ingots and the like cast by private individuals, the silver content is even lower, so it is more troublesome when you do business to collect silver. You need to confirm the fineness, weight, etc. of the silver, and the conversion unit is not decimal. It is difficult for people who do not have certain arithmetic ability to calculate these numbers clearly.

"After all, we are the first bank of Ming Dynasty. Naturally, the minted silver dollars must be decent. Otherwise, people will not accept our silver dollars and may lose some money in this respect. But as long as everyone can accept it slowly, in the long run Said, we are definitely going to make a lot of money and make a lot of money."

Liu Jin thought for a while and nodded and said, this is the trouble with metal currency. For example, this silver dollar weighs a tael of silver. If there are many, it can add up to a lot, dig out some silver, and the silver dollars that have been peeled will not affect the use.

This problem has appeared in the silver and gold coins minted by countries all over the world in later generations. This is also a problem that cannot be solved. Only when paper money becomes legal tender and metal currency withdraws from the stage of history can this problem be solved.

This is also the reason why Liu Jin made silver notes, because the silver notes are not afraid of you cutting them, and you are not afraid of cutting them. They are all paper anyway, so it doesn’t matter if they are too damaged, but silver coins and gold coins are different, they are cut off. A little bit less and the value changes.

Now it is just to mint a simple and convenient silver coin for the convenience of the development of banking business. There is no unified silver coin. trouble.

"With these banknotes and silver dollars, I don't worry about the bank anymore. What I worry about now is whether our business can be developed."

"Will someone really deposit money into our bank?"

"Would you all be willing to accept our bills and dollars?"

Xu Guangzuo carefully looked at the bank note, and then at the silver dollar. After thinking about it, he said worriedly, to be honest, if he had silver, he would definitely not give it to others. After all, that would not be safe at all. Silver is still safer in your own pocket.

"Yeah, I'm also thinking, Lao Liu, how do you plan to start our business so that everyone can quickly accept our existence."

Zhu Houzhao nodded after thinking about it. Although Liu Jin spent a lot of thought and effort on banknotes and silver dollars, it is definitely not easy for others to deposit money in your bank. As for loans Well, there is no rush for this, there are plenty of people who need money, as long as the wind is released, there will definitely be a lot, a lot of people coming to lend money.

"Hey, Shanren has his own clever plan, just wait and see, I will keep it so that everyone can accept our silver notes and silver dollars soon."

Liu Jin said very mysteriously and confidently.

　How do you think this business should be developed?

　　
　
(End of this chapter)