Invincible from the beginning of the Three Kingdoms

Chapter 296 Cao Ang is Coming
Cao Ang's words made everyone pay attention.

Cao Ang said: "First of all, in Youzhou, you need to understand something called banknotes, which are exquisite paper printed by Zhang Ming, which cannot be imitated."

"This paper can be exchanged for the amount of gold or silver coins marked on it"

After Cao Ang gave an introduction, Xun Yu asked, "Since the one-to-one exchange between gold and silver coins, it can only be said that paper money is more convenient, and Zhang Ming can't just make more money out of thin air."

Everyone nodded, the concept of banknotes is good, and the transaction is simple.

Cao Ang took two steps down the hall, looked at the crowd, and said confidently: "At first I thought so too, but I did some research during my time in Youzhou and found a problem."

"That is, when some people get banknotes, they don't go to the bank to exchange them, but pay others directly as coins."

Everyone had some eyebrows, but they still didn't fully understand.

A scribe asked: "Then other people go to exchange it, isn't it the same?"

Indeed, Cao Ang thought so too.

Cao Ang said: "This is a matter of quantity. When everyone is used to using banknotes and knows that banknotes can be exchanged for coins at any time, they don't rush to exchange them. Even some merchants don't exchange them because of the convenience of transactions."

"As time goes by, fewer and fewer people go to the bank to exchange, and some of the banknotes issued are always not exchanged."

"For example, 1000 million gold coins were only exchanged for 800 million in the end, so Zhang Ming has 200 million extra money in his hands."

"As long as the amount is huge, or there is a time difference, for example, the money spent today will not be exchanged until more than ten days later, Zhang Ming can completely embezzle the money."

"Also, my nephew did a survey in Youzhou. There are many people who use this banknote. People often want to use it in the county. They don't need to bring gold and silver. They can trade as long as they bring banknotes. There will be a time difference of more than ten days."

After Cao Ang finished explaining, everyone thought that Zhang Ming was a genius, so he could indeed earn a lot of money by doing so.

Cao Cao was immediately excited, and he asked, "Can we also imitate Zhang Ming and set up a bank to relieve our current financial pressure."

Cao Ang shook his head and said, "No, there are two problems. First, the banknotes made by Zhang Ming cannot be imitated. We don't have the technology."

"Secondly, a huge amount of capital is required in the initial stage, and a lot of money needs to be prepared in the banks in each county. I doubt that Zhang Ming used all the wealth he got from Dong Zhuo in the bank."

Cao Cao can't solve these two problems, so he really can't get a bank to raise money now.

Cao Ang said so much to prove that Zhang Ming really needs so much money to repair the city, this cannot be faked.

However, Zhang Ming didn't spend all the money in his hand, he must still have a lot of money in his hand now.

Now it has been proved that Zhang Ming has money in his hand, but how could Zhang Ming lend them the money?
Cao Ang said again: "Zhang Ming puts profit first, but he is not stupid at all, and he dared to lend us money. He knows that he has an army that is good at assassination. He is not very good at using it on the battlefield, but If he doesn’t pay back the money he owes, he will definitely teach him a lesson.”

"What's more, this time we borrowed money, it is also mortgaged."

Cheng Yu said: "We are thousands of miles apart, and we are not connected together. What can we mortgage?"

Cao Ang said: "I, use me as a mortgage."

hostage?

Many people were surprised, this is Cao Cao's eldest son, the future heir, how could he be a hostage.

Cao Ang seemed to understand what they were thinking, so he said, "Naturally, it's not a hostage, but a token of loan."

Cao Cao didn't say anything, and everyone else had different expressions.

Cao Ang went on to say: "With me in Youzhou, Zhang Ming will borrow money, it's just a matter of how much."

"In addition, I also need to study football in Youzhou. In addition, Youzhou has the largest library in the world. It is good for my nephew to study in Youzhou."

After Cao Ang finished speaking, everyone looked at Cao Cao. This matter was too big and could only be decided by Cao Cao.

"Ang'er, just go to Youzhou. Even if you don't borrow any money, you still have to stay there to study for a while. Learning is the main thing. Not only football, but also other things."

When Cao Cao spoke, he agreed to the plan, not only agreed, but also more clever.

Even if you borrow less than a penny, you have to study there.

What does this mean, he is not a hostage, money does not matter, the most important thing is to study in Youzhou for a period of time.

Cao Cao is an old fox, and he saw the key point of the matter at once.

With Cao Cao's words, who dares to say that Cao Ang is going to be a hostage, and he is going to exchange and learn.

Cao Cao settled down with one sentence, and Cao Cao asked people to leave, leaving only a few people.

Those who remained were Guo Jia, Cheng Yu, Xun Yu and Cao Ang.

"Ang'er, I can speak more clearly now, how sure are you about going to Zhang Ming for a loan?"

Cao Ang said solemnly: "Father, there is certainty, that is, Zhang Ming is going to charge interest. I wonder how much we can pay?"

"Then let Wen Ruo go with you, he has the right to make all decisions."

Cao Cao asked Xun Yu to go by name. Xun Yu is an expert in internal affairs, and he is more familiar with economics than Cao Cao.

Xun Yu agreed, and Cao Cao asked them to prepare.

Speaking of Zhang Ming, after going back, he didn't make any big moves.

It's still eating, drinking and having fun, at least externally.

Back in Youzhou, Zhang Ming didn't do much.

The development of the army and the development of the economy are very smooth.

Even so, Zhang Ming is also facing a big problem.

That is, he has no place to expand.

According to the current development speed, there will be about a year before all the territories will be digested.

If he wants to expand, he can only fight Yuan Shao, there is no other way.

You can't fight with Yuan Shao, the two will definitely have a protracted battle, which will consume all of your energy.

If there is no Cao Cao, only the two of them, then it will be fine to fight.

But with Cao Cao around, fighting Yuan Shao, it was Cao Cao who gained in the end.

Zhang Ming called Xi Zhicai and Tian Feng over.

"How to expand is now imminent."

Zhang Ming said in a flat tone as much as possible: "Now, we have no place to expand, which means that our strength has to reach a bottleneck area."

"So, it has to be planned strategically."

Tian Feng and Xi Zhicai are also difficult to deal with. The only way to expand is to fight Yuan Shao. However, they have calculated that it is not in their interest to fight Yuan Shao.

The three of them discussed for two days, but in the end they didn't make much progress.

Zhang Ming finally said: "It seems that we still have to start with the population. We can't increase the territory in the short term, so we need to increase the population."

The three unanimously decided to start plundering the population.

(End of this chapter)