Chapter 36 Am I a short of money?

After Ma Zhou reminded him, Chen Ying discovered that every banknote worth ten thousand guan was printed with the Heavenly Stems and Earthly Branches.

The so-called heavenly stems are the fingers of Jade, Yi, Bing, Ding, Wu, Ji, Geng, Xin, Ren, Gui; the earthly branches refer to Zi, Chou, Yin, Mao, Chen, Si, and Wu; the ten stems and twelve branches are matched in sequence to form sixty basic units. The ancients used this as the serial number of the year, month, day, and time, called the "Trance and Branch Discipline Method", which is mainly used to count the year. The twelve zodiac signs are used to record the year.

Chen Ying shook his head and said, "No, no, it's too easy for you to do this. I just need to deposit 30,000 guan in the money house and get three 10,000 guan banknotes, and you can calculate that if you want to imitate this kind of flying money, you may be able to do it within a month.

Since the emergence of currency, the crime of imitation currency also appeared. In the era of metal currencies, imitation methods were nothing more than mixing cheap metals such as lead and tin into precious metals such as gold, silver and copper, thereby making huge profits. For example, the Wuzhu coins that were popular for more than 700 years in Chinese history were popular until the fourth year of Wude that Li Yuan minted "Kaiyuan Tongbao" and abolished Wuzhu coins, which was the most minted and circulated for the longest time in Chinese history.

However, Wuzhu coins are filled with a large number of bad coins. Some of them are extremely lightweight, less than two grams, which is half lighter than Wuzhu coins. The ratio of copper and lead reaches five to five, or even four to six. Such copper coins can be broken by just breaking them with a force. Relatively speaking, it is not easy to spend money for fake copper coins. After all, it is realistic and the profit of fake money with sufficient weight is too low.

However, the flying money created by Chen Ying is different. Ten thousand coins, once the fraud is successful, spending it will be equivalent to a year's gross income of ten thousand yuan. Or the value of one hundred and fifty cows. Such a heavy profit is enough to make countless people crazy.

Marx has a famous saying in his book "Das Kapital": "If there is 10% profit, it will be guaranteed to be used everywhere; if there is 20% profit, it will become active; if there is 50% profit, it will take risks; for 100% profit, it will dare to trample on all human laws; if there is 300% profit, it will dare to commit any crime, or even the danger of hanging its head."

The profit of making a flying money with a denomination of 10,000 guan is more than ten thousand times. In fact, the profit of making such a flying money, coupled with the investment in early research and development and improvement of papermaking technology, is only two or three guan is more than three thousand times, which is much higher than the profit of drug trafficking.

At that time, the only way to deal with such crimes was to use severe punishments once discovered to threaten the forgers. Paper money was easier to forge. After the French Revolution, bonds mortgaged with confiscated church property were issued as substitute paper money. In order to destroy the French economy, the British government had forged this currency (and stipulated that private forgery of French paper money would be sentenced to death).

This is also one of the earliest economic wars. During World War II, Germany used to forge a large number of British and American banknotes in concentration camps. Records of forging banknotes by private or criminal organizations also emerged one after another.

Even if he thinks from the perspective of others, if someone makes such flying money, Chen Ying will do whatever it takes to develop such flying money. The profit in it is much more profitable than that of making armor and smelting steel. Even if it is salt drying, nothing can be higher than this profit except robbery.

Originally, Chen Ying had printed a banknote once, including four denominations, namely Yiguan, Twoguan, Fiveguan and Tenguan. However, whether he was sending the left and right guards to the left and right guards, the left and right guards led the soldiers to serve as military pay and rewards, or to lend them to the poor people in Henan Prefecture through pledge, these people were unwilling to believe that such a piece of tissue can represent tenguan or fiveguan. They all spent it quickly after getting the banknotes and would never keep it in their hands.

Because the credit system for paper money was not successfully established, the last promotion could be said to be a failure. After the lessons learned from the last failure, Ma Zhou decided to slowly start implementing it from large to small.

Ma Zhou explained with a smile: "There is also a set of passwords for the use of Feiqian. Only when the password is right and Feiqian is not wrong can the money be withdrawn. Moreover, the cash deposited into the money house can be deposited and withdrawn in another place after one month."

Hearing this, Chen Ying breathed a sigh of relief. This is equivalent to the deposit discount in later generations. You cannot withdraw money by just getting the passbook to the bank. You must cooperate with the password. Such a password is in the hands of the bank and the user. Once the password is not matched, the bank will not pay or deposit it. This will avoid fraud.

It is also impossible to share all messages in a month.

Of course, the biggest difference between a bank and a bank is that the bank can prosper the market economy, but the bank does not have this function and is just a tool for private profit.

Although users are troublesome and storage is inconvenient, considering that in this era, users who can produce ten thousand yuan will definitely not be ordinary people, Chen Ying still agreed with Ma Zhou's method.

In Chen Ying's era, technologies such as special papers, offset printing, watermarks, magnetic inks, metal security lines, ultraviolet fluorescent marks, color-changing inks, front and back pattern printing, etc., were simply impossible to use in Chen Ying's era, so I could only think about it.

Using this original anti-counterfeiting logo, due to its inefficiency, it will definitely not be compared with a truly convenient and fast banking system. The key is that Chen Ying also doesn't understand it either.

Chen Ying thought for a while and said, "This method can only be used to deal with it for the time being. We will definitely change it in the future. We should pay attention to cultivating talents within our money bank system. The money bank's business must be spread all over the country, and it is likely to be opened all over the world!"

Chen Ying's mind even appeared in his mind that the whole world would recognize the banknotes issued by the Tang Dynasty Tongli Money Bank in the future. Even if Chen Ying did not become an official in the future, he could become the world's top rich man. Even if he found an island or an undeveloped continent, he could completely shut up and be his own king.

However, this idea is just to think about it.

Ma Zhou said: "Master, then our mansion needs to buy more people, preferably boys aged seven or eight or eleven or eleven or twelve. Boys of this age have not yet opened their minds. They are like a piece of white paper. After three or five years of cultivation, they can stand alone. Although they have invested more, they can use them with confidence in the future."

Chen Ying is a modern man, and he has an idea in his mind that he cannot shake it. Everyone is equal, of course, this equality is only relative. Chen Ying really doesn't want to be a slave owner. Chen Ying shook his head and said, "Just buy people, the Chen family does not raise slaves. From the craftsmen in various workshops or the maids and servants in the mansion, they are all employment relationships. As long as they don't want to do it, they can leave."

Ma Zhou smiled bitterly and said, "Master, there are too many secrets in our money house. Now, our money house has absorbed a lot of deposits. If it continues to develop according to this momentum, it is expected to exceed 2 million coins by the end of the year. Not to mention the secrets, once His Majesty the Emperor knows that there is so much money in our money house, I am afraid His Majesty the Emperor will not be able to sleep."

Ma Zhou's words are not without reason.

Chen Ying knew about the financial difficulties of the Li Tang court.

Li Yuan is now demolishing the east wall to repair the west wall. Just after filling this hole, another new hole will appear immediately. If he knows that Chen Ying has so much money, no matter who the money belongs to, Li Yuan can completely borrow it. The key is that the money house, that is, the bank in later generations, has too many loopholes. If he colludes inside and outside, Chen Ying can sell it, and Chen Ying will also help others count the money.

Thinking of this, Chen Ying's head flashed.

It would be better to open an orphanage.

Anyway, the purpose of opening a Boai Hospital is to make money on one hand, and on the other hand, it is to manage connections. What's more, to help people in need, even if one out of a thousand people can repay, the income will be tens of times higher than the investment.

If Hou Mo Chen had not sponsored Ma Zhou, would Ma Zhou have served Chen Ying?

The answer is yes.

Ma Zhou was born in poverty and felt more deeply about the difficulty of survival of poor families.

Thinking of this, Chen Ying said: "Or what if I pay to build an orphanage, take in children without parents, teach them to read and read, teach them a skill, and make a living or serve the Chen family!"

Ma Zhou was stunned when he heard this, frowned and whispered: "Master, I'm afraid the investment in an orphanage will not be small."

Chen Ying smiled gently and said, "Am I a short of money?"

Horses were speechless on Monday.

Chen Ying was really not short of money. Although he gave all the smelting workshops and weapons workshops to Li Yuan, Li Yuan reciprocated and kept Chen Ying's carriage workshop. In addition, he gave Chen Ying a green light. The money shop had an endorsement, the hospital was an endorsement, and the Tang Dynasty University of Technology in Qinglin was an endorsement.

Of course, these industries still do not see any profit. But once benefits are generated, it will be a huge deal.
Chapter completed!