"Money House?" Both girls were stunned. They had never heard of this word, and they didn't know what it did.

Luo Zhaoyun smiled slightly and explained carefully: "Money house is a credit institution. For example, we set up a general money house in Zhuojun to handle money storage and exchange business, and rectify the economy in Youzhou. Since gold, silver and coins are gathered in a few wealthy families, aristocratic families, and the people have no money, this leads to the lack of money in the economic structure. This economic model is too rigid and can only rely on aristocrats to consume. The frequency of currency circulation is also small. We need to form a new economy."

Xiao Yiyi and Ning Muhe were stunned when they heard this, not knowing what he meant.

"First, we must use these four counties as experimental zones to revitalize the economy. First, there is a currency policy. At present, there are too few gold, silver and coins on the market. Because the imperial court has been busy with wars in recent years, it has been defeated and there are constant disputes in various places. The government is no longer as good as before. It is not enough for local transactions to exchange goods for goods. Secondly, there are many cases of private minting of money, and the severity of the magnitude is different. Therefore, we must stabilize the four northern counties and have to regulate the currency first."

The two girls heard what he said very well, and they all calmed down and listened carefully, not knowing that he had any good ways to regulate it.

"The money shop is mainly Ning's Chamber of Commerce, and it combines several large chambers of commerce from all counties in four counties to join them, and then set up a money shop to put some shares in the money shop, so that some aristocratic families and nobles can be exchanged for silver notes and money depositors will pay a certain amount of interest every month. Because of the capital turnover, those small vendors can come to borrow as long as there is a mortgage. In this way, if the money funds are summarized and then used for circulation, stirring up the Sijitan water, the more frequent the transactions, each getting what you need, and each sellings the goods, the economy will improve..."

"Is this OK?" Both women were surprised, a little incredible. If other aristocratic families were asked to hand over the money to the money house, would they trust it?

"Don't worry, my Luo family is the guarantee, which is equivalent to the general manager of the four counties. If the official background is provided, it can make the aristocratic family and chamber of commerce feel at ease. In addition, the exchange rates of gold, silver and copper coins are all controlled by us. Every exchange transaction is charged with a loss rate, handling fee, etc., which is a generous income every month."

Ning Muhe's eyes lit up, and she grabbed a little bit of the idea and exclaimed: "If it works, then this kind of economy is really a good way to make money."

"The people cannot participate, the base is too large and the population is large. The Chamber of Commerce has been supplying it for the time being, and the consumption is too large. When will it be a leader?" Xiao Yiyi was a little worried. The three million stones accumulated over the years were only enough for more than 100,000 troops and hundreds of thousands of people to eat for three years. This is too terrifying.

Luo Zhaoyun shook his head and sighed: "Not only the people of these four counties, I have also taken advantage of this chaos to send people to Hebei to disperse the news and encourage more refugees from Hebei and Hedong to flock to Zhuo County. It is estimated that before the end of the year, there will be an additional 100,000 and 200,000 refugees need to be resettled."

Xiao Yiyi was surprised: "Ah, can we afford to support it?"

Luo Zhaoyun explained: "It's okay, it's not just for food and drink. The general's office can spend money to use these labor to do things within its ability, such as hiring male ditches to repair rivers and canals, expand Jicheng, repair gates, etc., and give a little wage; women, children and the elderly can weave mats, put out threads to do needlework, stir-fry tea, etc., and they can all use it. The same wages are not for nothing. In this way, refugees rely on their own labor intensity to earn wages and spend them on their lives, and finally return to our chamber of commerce. In this way, both poor and nobles are invested in this economy. The more frequent transactions, the greater the tax revenue of vendors, the active market, and the vitality will be driven."

"Also, we cannot only focus on the local area. Since Zhuojun relies on the Bohai Sea, we can make fine sea salt, produce the coarse salt stones used by the people at present, fish for aquatic products, communicate with overseas regions, and make business bigger. The people in the southeast coastal areas can also trade with us, and bypass the wars in the Central Plains without affecting business."

After hearing this, the second woman nodded frequently, thinking that what he said made sense and the blueprint for planning was very good, but the details still need to be carefully considered, discussed, and how to carry out.

Ning Muhe said worriedly: "Young Master, the imperial court has limited orders and prohibits people from the grassland tribe from opening markets and trading privately. Once the crime appears, it will be very serious. The house will be raided and the heads will be beheaded. Maybe it will be punished by acquaintances with the enemy."

"Don't worry, after the beginning of next spring, our Luo family will be the hero in the north, separating the vassal kings, and clearly belongs to the soldiers of the Sui Dynasty. However, we only listen to the orders that are beneficial to us. If it is not good for us, or even if it is a crime, it will refuse to execute them, and we will not wait for death." Luo Zhaoyun has this confidence, because the situation in the world will become more chaotic next year. The three heroes, Dou Jiande, Li Mi, Du Fuwei, will become stronger and bigger, and the heroes from other places will also rise, such as Li Yuan, Xue Ju, Li Gui, Xiao Xian, Wang Shichong, Liu Wuzhou, etc., and there are countless rebels who fight each other in a mess. The court has been dead in name only.

"Young Master, where should the Chamber of Commerce start first?"

Luo Zhaoyun pondered for a moment and said, "First, send someone to join forces with the Youzhou family and the big chamber of commerce in the four counties to discuss whether they are willing to invest in shares. If they are not willing, they will not force them. Our own strength is enough. If they are more of them, they will only participate in the sharing of their shares, and their interests are tied together, which has a good publicity and promotion effect and is easier to promote.

"Secondly, selecting the business talents trained over the years, arithmetic and building a money-maker's team requires an economic mindset, being able to calculate exchange rates, interest, etc., and is a professional talent.

"Third, choose a good place in Jicheng and build a grand money house headquarters, which will be opened after the end of the year. As for settlement of refugees and expansion of Jicheng, I will arrange for others to do it, and talents need to manage civil affairs."

At this time, the demand for talents is highlighted. As a local leader and leader, it is impossible to do everything personally. It just has a macro idea and formulate a general direction. Specific executors need talents from different fields to do their best.
Chapter completed!