This is Lao Zhu practicing for the next examination to see if this can prevent the test questions from being leaked.
Zhu Bai didn't care at all what topic Lao Zhu chose.
First, he was afraid that the topic would be leaked and he would be doubted again.
Secondly, it's because he really isn't interested. He didn't take the exam, and the people he wanted to use didn't need to be admitted through the imperial examination.
So why bother getting involved?
He slipped out of the palace early in the morning and went to the Guanya Bureau.
Sitting down in his exclusive room, he found that the paper on the table that he had left here yesterday was mostly written on.
What made him most angry was that this man deliberately placed his and Zhu Bai's words side by side on the table.
It's like telling Zhu Bai: Your handwriting is too ugly. I can write better than you! !
Scholars can be killed, but not humiliated!
It's definitely not "teeth". The word "teeth" is not so childish.
It is even less possible for others. No one dared to come in unless he summoned him.
Who the hell is it?
Zhu Bai gritted his teeth and took a blank piece of paper and began to write stroke by stroke seriously.
Wealthy is busy grinding it.
Zhu Bai said to Fu Gui: "Let the teeth grow."
After a while, the tooth came in.
Zhu Bai asked: "Besides you, who else entered this room yesterday."
When Ya Chang heard this, he became nervous: "Did you lose something? Only Nannan came in."
Zhu Bai paused, then turned to look at the girl who was running around in the yard again, bringing tea and water.
So, this girl should come from a powerful family.
Otherwise, how would she have the chance to learn to write at such a young age?
Zhu Bai thought for a while and asked Fugui: "How many books have you brought with you that Master asked me to memorize?"
Fugui said: "Two or three copies."
Zhu Bai stretched out his hand, and Fugui hurriedly handed it over, still muttering: "Your Highness is planning to study hard. If the emperor takes the test at that time, Your Highness will be in trouble if he can't recite it."
Zhu Bai took it but put it on the table, and then began to deal with the affairs of the tooth shop and Guanyin Village.
Fugui didn't know why and didn't dare to say anything.
Zhu Bai finished handling the matter and was about to leave. He said to Fugui: "Just put the book here, don't worry about it."
Fugui didn't think much about it, since there was still it in the palace anyway, Zhu Bai didn't even memorize it.
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After everyone took out the money from Yingtianguan Bank, they waited silently.
What are you waiting for?
No one knows either.
That day Zhu Biao asked someone to come to the Guanya Bureau to borrow a thousand taels of silver, saying that he needed it for the imperial examination.
The eunuch tried to persuade him, even taking out Zhu Biao's waist badge, but it was of no use.
The shopkeeper of Guanyin Village kept saying the same thing over and over again: "Without the permission of King Xiang, you cannot withdraw money without a banknote."
In the end, the eunuch could only leave in anger.
Then someone came to inquire and asked if it was true that the emperor had emptied Guanyin Village.
The shopkeeper smiled: "If the emperor has emptied the official bank, where did the money you took out in the past two days come from? The emperor only advanced this month's profits."
When everyone heard it, it turned out to be so.
What kind of wicked person is talking nonsense? !
Merchants could not continue to spend money like this, so they gritted their teeth and started to deposit money at Guanyinzhuang. However, this time it is not a long-term deposit. Instead, you have a good idea of the goods, negotiated with the seller, then deposit, and then the seller takes out the money immediately after getting the banknote.
After struggling like this for a few days, everyone got tired of it and slowly resumed depositing money in Guanyinzhuang.
Other places also cursed and deposited their money again.
Think about taking out a long-term loan at once and losing interest in vain.
Then Guanyinzhuang launched a new business, that is, you can borrow money. However, borrowing money is not something you can do casually. You must first have a mortgage, such as the property deed, land deed, gold and silver jewelry.
Interest is charged on a daily basis and is slightly higher than the interest paid by Guanyinzhuang to long-term deposit customers.
Moreover, the borrowed money cannot exceed 30% of the collateral, and if the principal and interest exceed 80% of the value of the collateral, it will be considered a breach of contract and the collateral will be confiscated directly to offset the debt.
If the borrower wants to get the thing back, in addition to handing back the money with interest, he will also have to pay the default loan.
These will be written on the contract, Guanyinzhuang will stamp it and the borrower will fingerprint it, and the Guanyin Bureau’s broker will act as the broker. In triplicate, each person holds one copy.
Then a wise person will understand after doing the math.
Before, everyone didn't know why Zhu Bai opened a silver bank to help people look after their money and still wanted to give people interest.
Now I know it was to earn the difference between deposit and borrow.
In fact, private loans are also available, but although the borrower can earn interest, he or she risks not getting the money back or the other party defaulting on the loan.
Now it's like Guanyinzhuang helps them lend money. Although the interest is lower, it's easy and guaranteed.
This time, the turmoil in Guanyinzhuang finally subsided.
On this day, Lao Zhu went to court and told Zhu Bai not to run around and to discuss important matters.
Most likely, she wanted to use him again.
After the court broke up, Zhu Bai reluctantly followed Lao Zhu.
Lao Zhu sneered at him: "Tsk, tsk, you bastard, look at you like this, you could even have an oil pot hanging from your mouth."
The maids and eunuchs all snickered.
Zhu Bai sighed: "Father, how old are you? Can't you pretend to have forgotten me?"
Lao Zhu sneered: "Don't be so reluctant. Wait, you may come and beg us to let you do the work."
Zhu Bai smacked his lips: Impossible.
Sitting down in the imperial study room, Lao Zhu said: "There is a Baoyuan Bureau in Yingtian, and there are Baoquan Bureaus in various places, you know."
Zhu Bai thought for a while: "Yeah. I know. It's for minting small coins and printing banknotes."
These games were stopped at the beginning of last year because he told Lao Zhu about the "gold reserve system".
I don’t know why Lao Zhu suddenly said this again.
Lao Zhu said: "We plan to restart them this year. I want to discuss it with you and see what you think."
Zhu Bai was helpless: I thought that this time the ups and downs of Guanyin Village would make Lao Zhu fully understand the basic principles of national currency issuance.
In the end, he was still like this.
Just asking Lao Zhu not to restart it will definitely not work.
Lao Zhu is just a docile donkey, very rebellious, so you can only follow him.
Zhu Bai said: "It is okay to restart, but I suggest that these places can only mint money and not issue banknotes."
Lao Zhu frowned: "Why? Wouldn't it be great if we didn't issue banknotes randomly this time? We have enough money prepared."
No matter how much money there is in Guanyin Village, it does not belong to the court, but to the guests!
Those in the treasury are the ones.
Zhu Bai couldn't say this directly, so he could only say: "If we only cast copper coins, and the copper mine is in our hands, it is easy to identify adulterated copper coins. If that fool helps us cast coins with real copper, we will not suffer a loss." "
To put it bluntly, copper coins have their own value.
On the surface, you are buying things with copper coins, but in reality, you are still bartering for the same value.
Lao Zhu nodded slightly.
Zhu Bai added: "But it is difficult to control the use of banknotes at the same time. Even if we use expensive paper seals, we can't stop the traitors and thieves from using inferior ones. Besides, the thirteen chief ministers, Si Tiangao and the emperor, are far away. If you disobey the emperor's orders and issue money indiscriminately, the court will bear the consequences."
In the 21st century, banknotes are so strong in anti-counterfeiting that there are still people who can make banknotes that look like real ones, not to mention the current backward anti-counterfeiting technology.
