Straight man of steel

Chapter 421 Couldn't Be Better
"You mean that the five baht money that Zhang Yuan made is likely to change the status quo?"

After listening to Sang Hongyang's words, Liu Che immediately paid attention to it.

He has reformed twice, but he failed both times. In the end, he was destroyed by the people who privately minted money and the people who minted money in various counties and countries.

That is to say, there is no paper money now. There is a cost to make money. No matter how poor the quality of copper coins, copper coins still have to be used.

If it is true that when banknotes appear, counterfeiters will imitate a large number of banknotes, then making money will become a unique profiteering industry.

After the emergence of Jiaozi, China will gradually move towards the silver standard, but no one has this concept yet.

Issuing certificates depends not only on reputation, but also on something that can be guaranteed.

The reason why banks can gain a foothold is because they have a large amount of foreign exchange reserves and gold reserves.

"If you don't stop it, follow Xin'an Hou's way of doing things in the past.

The results of this matter can basically be seen now.

Think about it, Your Majesty, since the Marquis of Xin'an came into your sight, although you have been involved in dangerous situations, you have never done anything you are not sure about.

He is accustomed to making a plan first and never does anything blindly.

Today he went to see Wu Yanlang. Wu Yanlang did not reach an agreement with Xin'an Hou, so we should immediately send people to investigate what Xin'an Hou wants to do. "

Liu Che hadn't had time to digest so much content.

It is a good thing for the big man to have the right to mint the unified currency.

This is obvious.

But whether Zhang Yuan should do it or not made Liu Che a little embarrassed.

As an emperor, Liu Che promoted two currencies that eventually caused market turmoil, and more and more copper coins were minted privately.

If Zhang Yuan really stabilized the financial system, then it would appear that Liu Che was somewhat incompetent.

Liu Che still prefers to use the ideas of his courtiers for himself. He can adopt the suggestions of his courtiers, but he must make his own decisions.

Only in this way, he, the emperor, will have a sense of participation in everything.

It's like a captain. He has employees with various functions such as first mate, second mate, third mate, engineer, and sailor.

But he always wants to be the captain of the ship, and he has to take care of everything, even if a screw on the ship is loose.

To govern a country is to sail a ship on the ocean.

There is always the risk of capsizing.

Although they say they trust each other, but when it comes to life and death, who will hand over their life to another person?
It is impossible for Liu Che to trust others, and Zhang Yuan has no intention of trusting Liu Che.

Because of this, Liu Che hesitated even though what Zhang Yuan did was good for the big man.

"First send someone to investigate what Zhang Yuan did, and then control the flow of five-baht money to the outside world.

Once any problem arises, Qingpingfang will be immediately sealed and investigated! "

"Your Majesty, where is Princess Pingyang?"

"Sister, I will explain."

Zhang Yuan didn't expect this incident to arouse Liu Che's disgust.

His idea is to start a trial in Chang'an to see if the people resist the five baht money.

If the effect exceeds expectations, Zhang Yuan intends to report all the situation to Liu Che, and then ask Liu Che to help implement it nationwide.

But just at the beginning, Liu Che already showed signs of wanting to intervene, which Zhang Yuan did not expect at all.

But now Zhang Yuan is still unaware of all this.

The details of the implementation of the five baht coin are still being discussed in the Xin'anhou Mansion, and the most difficult part of it is lending.

There is no one who is not a local loan shark.

Their familiarity with the local area allows their business to run smoothly.

Relationships at every level must be opened up so that business can be done safely.

As Zhang Yuan, there is no need to open up the relationship with the government.

However, they don't have a little understanding of Chang'an City and the people in the Inner History area.

This is the biggest difficulty facing Zhang Yuan now.

It is easy to release money, but it is not so difficult to get it back.

Once there are too many bad debts, Zhang Yuan becomes a money-splitting boy.

Zhang Yuan can spend all his wealth, but he can't fail to see the effect.

As long as all the big men use five baht in the end, Zhang Yuan feels that it doesn't matter much if he dissipates his family wealth.

But the merchants and accountants left by Princess Pingyang to Zhang Yuan are not so effective.

If the people who lend money are all white, then we can't do it.

If the bank fails to collect the loan in the end, the so-called third-party collection company will still let the so-called third-party collection company carry out the collection.

Official institutions will do this, let alone private capital.

"Master Hou, I don't think you should care too much.

At that time, we can raise some people and conduct a survey on the families of the people who borrowed money.

Or we use more mortgage loans and require them to take collateral for loans.

If the borrowers don't even have houses, there is no need for us to lend them money.

Not having a house means instability. They mortgaged the property to us, and we will not lose our money in the end. "

Pan Nan is the leader of this group of merchants, and represents everyone to put forward their opinions to Zhang Yuan.

Listening to his words now, Zhang Yuan knows that there are still steps that should be taken, and the formal lending process still needs to be followed.

If you simply want to promote five baht money, but ignore the lending, you may lose your money.

"Okay, then we will divide the business into two parts.

The business of exchanging coins still needs to be carried out, and it is also tied to the sales of the paper mill for the purpose of promoting five baht coins.

As long as the profits obtained can ensure that the dividends of the inner treasury and Pingyang Houfu are not reduced, it will be fine.

Don't think about promoting five baht money anymore in terms of lending, just treat it as a simple business.

It's just that if the money released is five baht, what is recovered may not be five baht, but the ratio must be in accordance with the ratio we set.

If the borrower wants to take valuables as a mortgage, then we will find a professional person to evaluate and price the loan before lending.

If they mortgage the property, we must find people from the government to ensure the authenticity of their land deeds. In addition, the land deeds must be placed with us. "

"Master Hou is thoughtful, and the villain will do as Master Hou said.

Qingpingfang occupies a large enough area, and we cut off a part of the shop as a shop for money.

The latter part is common, so that the circulation of money is also convenient. "

"No, the two businesses are accounted for separately, and all the copper coins that Ziqian Zhuangzi needed at the beginning are considered to be borrowed from the Xin'anhou Mansion.

That is the money I brought. As for the paper mill, which has always been profitable, only 1000 million five baht coins will be released for the time being. After the daily settlement, the copper coins will be used for re-melting.

The next day there will be enough five baht money for exchange, and if there is more money on the account, the 1000 million will be added to the sub-bank.

The two businesses are two straight lines that will never intersect. After Ziqianzhuang has put away his money, he can borrow money from the paper mill at half of the interest that would have been earned.

Do you understand why you want to do this? "

Pan Nan thought for a moment, then asked cautiously.

"Master Hou, you mean you don't want to treat the business of the paper mill as your own?"

Zhang Yuan nodded.

No matter what you do, you must position yourself clearly.

The papermaking technology was provided by Zhang Yuan, but that does not mean that the papermaking workshop belongs to Zhang Yuan.

Zhang Yuan is at best a technology investor, as for how to manage it, that is the business of Princess Pingyang.

Now that there is suspicion of overreaching, Zhang Yuan certainly cannot use the benefits of the paper mill to do what he wants to do.

Even if this matter is beneficial to the big man, it probably won't create much wealth for Zhang Yuan.

"It's good that you understand, Her Royal Highness is now trusting me to let me take care of Qingpingfang.

Neither I nor you nor anyone else should risk that trust. "

Zhang Yuan asked Pan Nan and the others to take care of it first.

After all, releasing Ziqian is not as simple as it sounds, and the current manpower is definitely not enough.

Moreover, Zhang Yuan might have to raise a team dedicated to loan collection, but this matter cannot be rushed for the time being.

It is also possible to reorganize after half a year.

Zhang Yuan now needs to solve another problem.

If he really wants to put money aside, Zhang Yuan's capital will definitely not be enough now.

There are only a few people who can ask for help.

Princess Pingyang must have a wealthy family, but Zhang Yuan has no intention of making money from this business, and the interest rate of five thousandths can only guarantee that he will not lose money.

If Princess Pingyang gets involved in a business that does not lose money, it would be tantamount to being in debt.

As for when to repay this favor, Zhang Yuan has already guessed.

This lack of favor will be applied to Cao Xiang or the child in Wei Zifu's stomach now.

Zhang Yuan didn't ask Princess Pingyang, but he already knew that the result would be the same.

In the end, Princess Pingyang will definitely let herself fully support Wei Zifu's son Liu Shi.

Zhang Yuan is not afraid of others saying that he has a thick skin, and he is definitely included among the most powerful and powerful Han.

After the feudal marquis, this forced style is different from before.

So Zhang Yuan can't just owe favors casually, it's easy to owe, but difficult to pay back.

The only one who can borrow more money is Wei Qing.

But Zhang Yuan felt that Wei Qing was probably not as rich as him, so he simply ignored him.

Then there is Zhuo Wangsun, the father-in-law without a name.

The head of the Han merchants, he is not the one with the deepest background, but he is the one with the richest money.

If you borrow money from him, you can give him the favor of the Marquis of Xin'an. Even if a merchant encounters difficulties in the future, Zhang Yuan can help him.

If Liu Ju is in trouble, or Princess Pingyang is in trouble.

How can Zhang Yuan help, the accident between the two of them must be caused by Liu Che behind the scenes, Zhang Yuan will be fine if he doesn't involve himself in it.

Liu Zheng was also unlucky, surrounded by a group of dazzling young people.

Liu Che raised people like Huo Qubing and Jin Rixi as his sons. When he compared these two people with his mediocre prince, the gap became clear.

Why is my son born to such an ancient sage king not shining at all, why is his son so smart.

When the son is not his own son, the gap will become bigger and bigger.

When I look down on my son, the final result is that no matter what my son does, I will not feel comfortable in my heart.

The son knew that Lao Tzu didn't like him, and would rush to attract Lao Tzu's attention.

Then it will fall into an endless loop, and I will not understand until after my son dies and I recall the past.

It turned out that the son did that just to get a compliment from Lao Tzu.

But by this time it was too late, manpower could not recover.

The same plot has been staged countless times in history, and of course the most is in the royal family.

If Zhang Yuan gets to know Liu Ju in the future, he will definitely try his best to persuade him not to stay calm.

Being mediocre is not a fault. A prince who is forgotten by everyone can end up peacefully even if he can't become emperor in the end.

This is proved by the well-known Haihunhou in modern times, Liu He, the king of Changyi, the deposed emperor of the Han Dynasty.

Being able to live a prosperous life after being deposed is also a benefit of being incompetent.

When the prince was killed, it was because he jumped too much, or his mother jumped too much.

Wei Zifu is not the kind of person who can dance, so as long as Liu Ju doesn't dance and Princess Pingyang doesn't commit crimes, then there will be no trouble in this vein.

These favors cannot be owed, because of Zhuo Wenjun, Zhang Yuan wanted to give Zhuo Wangsun something.

It is impossible to give money and power, and by giving favors, you can also manage your own affairs. Going to Zhuo Wangsun for cooperation or borrowing money has become the best choice.

After coming out of the study, Zhang Yuan went to find Zhuo Wenjun.

After all, it was a matter of money, and it was impossible for Zhang Yuan to send someone to open his mouth. It was most appropriate for Zhuo Wenjun to speak these words for him.

It was noon now, and Zhuo Wenjun was busy arranging meals.

Zhang Yuan went to the dining hall to find Zhuo Wenjun, and just as the meals were ready, Zhang Yuan took the main seat.

"Master Hou, is everything going well today?"

Zhuo Wenjun knelt beside Zhang Yuan, and gave Zhang Yuan a glass of iced soy milk.

The two have been together for a long time, so they naturally know that Zhang Yuan likes to drink soy milk at home, and will not drink when eating like other nobles.

"Then Wuyan doesn't give me the face of the Marquis of Xin'an.

I planned to release the money myself, and then change the business model of Qingpingfang.

Thinking about it now, it would be more appropriate to cooperate with the Wuyan clan. "

"But if you, Lord Marquis, put money aside, do you plan to only target Chang'an or spread it to other places?"

"At present, we must only be doing business in Chang'an City, Chang'an is the center of the world.

After something becomes popular in Chang'an City, it will be praised by other places in the Han Dynasty.

You have forgotten that Zhuo's iron pot was loved by all the dignitaries in Chang'an city back then, and it was able to have the scene it is today. "

"Yeah, Master Hou is right."

After Zhuo Wenjun said a few words with Zhang Yuan, he began to eat by himself.

Zhang Yuan originally wanted to directly mention the matter of borrowing money, but he didn't know what to say when he was interrupted like this.

I ate a lot of desserts at Wuyan's in the morning, and I'm not that hungry now, so Zhang Yuan put down his chopsticks.

"Master Hou, is today's meal not to your liking?"

"No, it's just that there are some difficulties in Ziqian's business."

"Difficulties?"

"Well, I'm afraid my money can't afford a plate that's too big."

"Oh, do I need to open my mouth to my father?"

"That would be great, haha."

(End of this chapter)