"Father, what do you think we should use the credit from the royal family or the court to guarantee it, and then take out 10 million dan as principal to set up a so-called bank to lend to the people of the Tang Dynasty and attract them to save money at the same time?"

"Not really!" The old man shook his head and directly denied Li Chengqian's idea: "Let's talk about where your ten million coins come from."

"Of course it's money in the treasury. You can't let Erchen come and get this money, right?" Li Chengqian spread his hands.

"Fart!" The old man was furious when he looked at Li Chengqian's performance, and slapped the table and said, "This is not going well yet. Just start to attack the treasury. You're crazy about money!"

The old man's performance was both unexpected by Li Chengqian and beyond his expectations.

In ancient times, the Tang Dynasty had no money houses, so it was normal for Li Chengqian to say that the old men did not understand the bank.

But why is the old man so extreme in his thoughts that he is trying to attack the treasury? Could it be that he has performed too eye-catching these days? He has stolen the old man's limelight?

Thinking of this, Li Chengqian couldn't help but express deep doubts about the old man's mind.

"Chengqian, the money from the treasury cannot be used privately, and if all the money from the treasury is taken out and lent to the people, what if the Tang Dynasty wants to fight in the future? Besides, so far, the treasury has not yet deposited 10 million yuan."

Changsun Wuji was afraid that Li Chengqian would continue to say that it would arouse greater anger in Comrade Li, so he put down the cup in his hand and explained to him.

"Uncle, I know that the treasury money cannot be moved, and I didn't say how to take the treasury money." Li Chengqian blinked innocently: "Didn't I just say that we can issue a kind of 'voucher', which is divided into different denominations, and then use this kind of thing to replace the current copper coins, silver and gold."

"For example, if a person wants to borrow ten stakes of money, we can give him ten 'vouchers' that represent the usual 'vouchers', and the people can use these 'vouchers' to buy what they need."

"But the key point here is that this 'voucher' must be exchanged for money from any government in the Tang Dynasty."

"That's why I said that the treasury needs to have 10 million chunks of cash, but in actual operations, it is likely that even one million will not be used."

"Because once the people have confirmed that the 'voucher' can indeed be exchanged for cash, they will believe that the government will gradually circulate on the market with 'voucher' and will not come to the government to withdraw cash again."

"In other words, as long as we do a good job of doing the 'voucher' when it was just issued, the people kept coming to exchange it because they were curious in their hearts. In the later stage, the treasury money would not need to be touched with another copper."

Li Chengqian's remarks are not afraid of anything but shocking in the Tang Dynasty. This is a theory that only exists after combining Jiaozi that appeared in the Song Dynasty and paper money that appeared in later modern times. Whether it is Li Er, Fang, Du, or Changsun, everyone has never seen or heard of. How can they not be surprised after hearing it?

"Well, Your Highness, can you repeat what you just said? Old, old minister is slow and can't figure it out for a while." Du Ruhui himself didn't understand, and the great Emperor didn't understand either, so he could only take the initiative to ask Li Chengqian to say it again.

"Actually what I want to say is very simple. The initial beneficiaries were not the people, but the merchants." Li Chengqian felt all kinds of confusion around him and said again: "You can be allowed to do whatever you want at home, but you should know one thing, that is, you need to escort a lot of cash when buying bulk items, right?"

"Not bad!" Changsun Wuji had a deep understanding of this. He had a steel workshop at home, and transactions of bulk silver and money occurred from time to time. He had not experienced the situation of filling more than a dozen cars with copper coins.

Someone who supported Li Chengqian was naturally happy, and then Changsun Wuji continued to say: "Then think about it, what would happen if I had the 'voucher' I mentioned? Deposit the money in the bank and get a 'voucher'. When buying bulk goods, I only brought a 'voucher' to buy it. Isn't this much more convenient?"

"This... seems to be true, especially cross-regional transactions. This kind of 'voucher' is indeed very convenient. Anyway, it can be exchanged for silver at any time. It is much more convenient to deposit it here and take it out while taking it out."

"So, it doesn't seem that there is no need to touch the treasury money. The 'vouchers' in their hands are all the money they deposited, and they will still be theirs if they withdraw it."

"That's wrong. What's the benefit of this kind of struggle? Are we just serving them?"

Inspired by Li Chengqian's actual examples, the old men expressed their opinions and discussed it. Some thought his plan was very good, while others thought his plan was not feasible.

In this case, Li Chengqian could only clap his hands and attract the attention of the old guys: "Everyone, don't forget that if the people are used to using 'vouchers', they will feel that it is too troublesome to hold the cash silver. As long as the government's credit is sufficient, they will reduce the number of times they withdraw silver over time. In the end, it is very likely that only 'vouchers' are circulating on the market and there will be no copper coins."

"Hiss..." Countless sounds of gasping in the air sounded, and everyone, including His Majesty Li Er, looked at Li Chengqian with a deep "fear"!

Speaking of this, everyone understood what he meant, that is - making money.

Just now, Li Chengqian said that if you want to get a "voucher", you must deposit the same amount of cash in the bank. In this way, if the "voucher" is really circulated, wouldn't it mean that all the cash in the world has been taken away by the bank?

So in this way, how much cash will there be in the bank? Ten million coins? Ten million coins? Ten million coins? Or maybe it is impossible to count?

It has to be said that under the limitations of history, it is not surprising that Li Er and others have such an idea, but they ignore a substantial problem. If the Tang Dynasty uses "vouchers", what is the use of cash?

So after a long silence, His Majesty Li Er said a heavy tone that made Li Chengqian helpless: "Li Gaoming, do you want to die? Do you know that if you have so much money, if something goes wrong, the entire Tang Dynasty will fall into complete chaos?"
Chapter completed!