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Text Chapter 324 Open a ticket number

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    In the end, Chao Yong's idea of ??sleeping with him came true, but the three of them spent a quiet night. Because Hu Sanniang was afraid of waking the child and was unwilling to change to another room to start a battlefield, Chao Yong could only hold the two women in his arms.  Fell asleep quietly.

    Chao Yong didn¡¯t get up until three poles in the sun.

    Hu Sanniang, who was teasing the child, saw Chao Yong getting up and immediately asked someone to bring breakfast.

    After breakfast, Xiao Qing couldn't wait to say: "Prince, I will accompany you to clean up those eunuchs and maids."

    Chao Yong smiled and said, "Why are you so anxious, little girl?"

    Xiao Qing wrinkled her nose and said, "The scenery in Prince Edward is very nice, but now there are people everywhere, so it's not fun at all."

    Xiaoqing¡¯s words immediately reminded Chao Yong of the tourist attractions on holidays in later generations. There were huge crowds of people everywhere, and even the most beautiful scenery was destroyed by the crowds.

    Chao Yong smiled and said, "Just follow my instructions. I still have a lot of things to do."

    When Xiaoqing heard this, he immediately jumped up and said, "Then I'll go."

    Chao Yong teased the child, then came to the palace to pay his respects to the emperor.

    By this time, the morning court had dispersed. When Chao Gai saw Chao Yong, he smiled and said, "You have been running around for many days. You will not come to the palace these days. By the way, you can sort out the people of your prince*."

    Chao Yong said helplessly: "Dad, you gave me so many people. Without money, it would be difficult for me to send them away. I can't just kick them out."

    Chao Gai shook his head and said: "Emotions are here to ask for money. How much do you want? Just think that this time you captured Tokyo and persuaded Mr. Zhong, the old manager, to be rewarded with the silver. Now the national treasury does have money, but the inner treasury does not."  How much silver."

    Chao Yong thought for a while and said: "Since it is a silver reward for conquering Tokyo, I must ask for more. Let everyone in the world know that I, Daliang, treat the heroes well, so as to attract them to submit. Let me give you one million gold first."

    Chao Gai opened his mouth like a lion and was stunned. He stared at Chao Yong and said, "What do you want so much money for?"

    Chao Yong smiled and said: "First get rid of the extra people in my palace, and then do something to make money. Otherwise, the ten thousand guan given by dad every year will not be enough."

    Chao Gai shook his head and said: "There are too many. There is no example of rewarding one million guan."

    Chao Yong smiled and said: "There is no example of conquering the capital so easily. Dad also knows that the money belongs to the national treasury. Give the money to me and I will get a ticket number later. The money earned will belong to our royal family.  The province will transfer money from the national treasury to the inner treasury.¡±

    Chao Gaiqi asked: "What is a ticket number?"

    Chao Yong smiled and said: "To put it simply, let the people come to me to save money, I will give them some interest, and then I will lend the money they deposited to those who need it. Of course, they also need to pay interest. This interest must be  It is higher than the interest I give to the people, and the difference is the profit of the ticket account. "

    Chao Gai was a little interested when he heard Chao Yong said that he could solve the royal family's expenses. However, when he heard Chao Yong talking about making a living through banknotes, he immediately shook his head and said, "Aren't you more ruthless than the landlord's usury? The money the landlord borrows from abroad is still  My own, but you are borrowing the people's money. No, your business will ruin the reputation of my royal family."

    Chao Yong smiled and said: "The interest I lend out is definitely not as high as that of the landlords, and having a ticket number can save those landlords from sucking the blood of the people. Dad, think about it. My ticket number only costs one penny a year, and the landlord  But it costs four or five points. When the time comes, people and merchants who are short of money will borrow it from me, so that if there is a disaster, the people will not be ruined by those vampires. "

    Chao Gai thought for a while and then said: "But if the people come to save money and there are few people to borrow money, wouldn't you lose money?"

    Chao Yong smiled and said: "As long as the interest rate is not high, businessmen who want to expand their business but have no money will rush to borrow it. And if the borrowing interest is five times higher than the deposit interest, if you save one million yuan, I will lend it out for two  One hundred thousand dollars will not make you lose money.¡±

    Chao Gai nodded and said: "In this way, this is a good business to make money. But if you lend all the money out and the people come to withdraw the money, what will you give to the people?"

    Chao Yong smiled and said: "This problem is easy to solve, just keep some money as a backup."

    Chao Gai frowned and said, "What if the money you want to withdraw is more than what you keep?"

    Chao Yong didn¡¯t expect Chao Gai to react so quickly. The ticket account was indeed most afraid of being squeezed. Sometimes it was the account¡¯s own fault, and sometimes it was the opponent¡¯s deliberate act.  The survival of a ticket number is credibility. If it cannot be cashed in, no one will dare to save money in the future.  The best way to deal with a run is to expand the scale and preserve appropriate cash.

    If the size of the ticket account is only 1 million coins, it is easy to be maliciously run by some opponents. The opponent only needs to deposit 100,000 coins. When the ticket account has less cash, the ticket number may not be able to cash out and the ticket account will be defeated.

      But if the scale is 10 million coins, no one can maliciously run on it. Even if you deposit one million coins, it is only a small proportion.  Unless many people are mobilized to run together, but with the reputation of the royal family supporting it, and unless the country is unstable, most people will not run.

    Chao Yong smiled and said: "As long as my royal reputation remains intact, there will definitely be more people depositing than withdrawing. Furthermore, I want to issue banknotes to replace the previous Jiaozi. As long as there are no problems with the circulation of banknotes, I can also transfer the deposited money  All the money was exchanged for banknotes.¡±

    Chao Gai frowned and said: "I'm a little confused about what you said, but the Jiaozi in the past was probably issued by the imperial court. If you print a piece of paper yourself and want to be a money envoy, who among the common people will want it?"

    Chao Yong smiled and said: "Of course you can't print it casually. I have 100,000 guan of money, so I will print 100,000 guan of silver notes to ensure that the banknotes can be exchanged for cash. Others will naturally use them. Jiaozi was also printed by merchants in the beginning.  Ah. As long as it can be guaranteed to be cashed, everyone will use it. It is also convenient to do business with Jiaozi. A businessman needs to pay 10,000 yuan to do business, and a few banknotes are enough. "

    "Then why do businessmen from other places want to collect your banknotes? They have to come to the capital to cash them."

    Chao Yong smiled and said: "In the future, I will set up branches in all larger state capitals to ensure that banknotes can be cashed in all states, so that everyone will naturally use banknotes."

    Chao Gai thought for a while and said: "With the war and chaos now, I'm afraid you can't make a living, right?"

    Chao Yong nodded and said: "We can't open a semicolon now. We can only wait until we unify the country to deal with banknotes. However, we can do deposits and loans first, let the people of Tokyo deposit money, and then I will lend it out."

    "What if you lend it out and someone else doesn't pay it back?"

    Chao Yong smiled and said: "Of course not everyone can get a loan. Those who want a loan must have a mortgage. They can use house deeds, land deeds, etc. as collateral. If they fail to pay when due, I can sell their collateral."

    Chao Gai frowned and said, "Why does it sound a little vicious to me? He is selling both land and house."

    Chao Yong explained: "The loan is voluntary between you and me, and I will not force them to borrow money. Besides, if I don't borrow money, they will go to pawn shops to resist, and the interest on my bill will always be less."  ¡±

    Chao Gai shook his head and said: "I don't understand your ticket number. It sounds like there is nothing wrong with it. You can figure it out yourself. If you cause trouble, just be careful."

    Chao Yong smiled and said: "Then dad will allocate one million yuan to me first, so that I can find someone to help." (To be continued. Please search Piao Tian Literature, the novel will be better and updated faster!)
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