"It's only free for a month! After this month, won't it be charged? "In Chang 'an City, people continued to discuss the bank excitedly, and an idle man said regretfully.
"You are not satisfied with a free month. But if you want to save money, there is a way. If you use this method, you don't have to pay the one-hundred-percent fee."
"It can also save money!" Everyone was excited. Although the one-hundred-percent fee was not high, they were willing to save money.
The merchant in black nodded and said, "In addition to the Flying Money business, the bank of the Village Mo's Village has a more magical thing called banknotes!"
"Banknotes?" Everyone looked at each other. They had only heard of silver, but had never heard of banknotes.
"The Village Mo's Village built a bank, so naturally it only accepts silver. Banknotes are issued by the bank of the Village Mo's Village. There are only three kinds of banknotes, namely one tael of silver, one qian of silver, and one fen of silver. These three kinds of banknotes are now only used in the Village Mo's Village, but the bank of the Village Mo's Village will also accept them. If you want to save the Flying Money, you only need to exchange 1,000 tael of silver in the Village Mo's Village, and then bring 1,000 tael of silver to the bank of Luoyang City to exchange. "The merchant in black said proudly.
"It can be done like this. In this way, the Flying Money business of the Village Mo's Village Bank will be wasted." Everyone was surprised. If everyone brought banknotes to Luoyang, the bank of the Village Mo's Village would no longer be able to make a profit with Flying Money.
The merchant in black explained, "Flying Money needs to be recorded with your seal and code on the bill of exchange. No one can take it except yourself. Even if the bill of exchange is lost, you don't have to be afraid. But banknotes are different. They are all the same. If you lose them, no one will admit that they are yours. So in terms of safety, the bill of exchange is of course the safest."
"I see!" Everyone suddenly realized that banknotes and silver were the same. If they lost them, they would never have them again.
"But it's so nice to have silver in hand. Who wants to use silver to exchange for a piece of paper?"
"A piece of paper, if you see the banknotes, you will know how wrong it is. Look! This is the banknotes! " The black-clothed merchant proudly raised the three pieces of beautifully printed paper in his hand. On them were written 'one tael', 'one coin' and 'one fen' respectively. With a light flick of his hand, the banknotes immediately emitted a pleasant sound.
"You actually exchanged it for banknotes. Aren't you afraid that your shiny silver will be wasted?!" Many people cried out in surprise. The world had long been accustomed to shining silver. Who would have thought that a thin piece of paper could actually be used as silver?
The black-clothed merchant said disapprovingly, "As long as I go to the bank in Mo Jiazi's village, I can get back the shiny silver immediately. What's more, this is the money note invented by Mo Jiazi. What's there to worry about? Do you think Mo Jiazi will care about my silver?
Everyone could not help but be stunned. That's right. If it was someone else, they would never be able to exchange silver for paper. However, Mo Jiazi was different. Since Mo Jiazi led the village into Chang 'an, he had created one miracle after another. The village of Mo Jiazi had become the world's number one village. Furthermore, Mo Jiazi was a man of his words. How would he cheat people of their money?
Moreover, the Mo family had clearly stated that banknotes could only be used in the village of Mo Jiazi. As long as they left the village of Mo Jiazi, perhaps only the shops and banks in the village of Mo Jiazi would accept the banknotes. No one forced them to exchange.
"Mo Jiazi is indeed cunning!" The Confucian scholar suddenly realized.
Among the crowd, there were many fans of Mo Jiazi. They were dissatisfied and said, "You Confucian scholar, be careful with your words. Don't cause trouble from your mouth."
The Confucian scholar snorted coldly, but his tone was slightly gentler. He said, "Mo Jiazi divided the banknotes into three types, one tael, one coin, and one fen. It was not for exchanging silver, but because he saw the disadvantage of copper coins. One tael of banknotes could be exchanged for a few kilograms of copper coins, and one fen of banknotes could be exchanged for ten copper coins. Mo Jiazi had a good plan. In the future, when the people of the village of Mo Jiazi go out, they only need to carry a few thin banknotes and copper coins. How convenient it would be. "
Even if he had a strong prejudice against Mo Jiazi, he could not help but be shocked by Meton's idea. In this era, almost everyone would carry a heavy purse when they went out on the street. Not only was it very heavy, but it was also very inconvenient.
But in the village of Mo Jiazi where banknotes were implemented, the lives of the people would change dramatically. In the village of Mo Jiazi, if the people wanted to buy something, they only needed to take a few banknotes and they could easily get change. These banknotes could be said to be the perfect solution to the disadvantage of copper coins.
"And it is said that in the future, if you want to trade with the village of Mo Jiazi, you have to use banknotes." The merchant in black said. He needed to go to the village of Mo Jiazi to buy some goods, so he exchanged some banknotes.
"Isn't it just a piece of paper? If I can print banknotes, I will be rich!" An idler said happily.
The merchant in black snorted and said, "Do you think Mo Jiazi is a fool? The paper used to print banknotes is very delicate. Even the best paper mill can't make it. Not to mention that there are more than ten anti-counterfeiting methods on the banknotes. Look at the golden thread, the watermark, the relief sculpture, and the ink. All of them are valuable secret techniques. How can they be easily cracked by you? "
The merchant in black generously passed the banknotes around. Many people looked at the three beautifully printed banknotes. Looking at the unheard of anti-counterfeiting methods, they couldn't help but feel at ease.
"If you want to forge banknotes, I'm afraid it's hundreds or thousands of times more difficult than forging silver coins!" An insightful person clicked his tongue.
Even the most picky scholar had to admit that Mo Jiazi's banknotes were really good. As long as the banknotes couldn't be imitated, the village of Mo Jiazi would be invincible.
Chang 'an City and Luoyang City only used the banknotes as a topic of conversation, or as a means to avoid the payment of bills. However, in the village of Mo Jiazi, it caused an uproar.
"It's time to pay the wages!"
In the blink of an eye, it was the time for the village of Mo Jiazi to pay the wages every month. This time could be said to be a big event in the village of Mo Jiazi. Not only were the workers happy, but the merchants were also very excited. Every time when the village of Mo Jiazi paid the wages, their business would be booming.
The wages in the village of Mo Jiazi were one of the highest in Chang 'an City. These workers were naturally happy to spend money.
"Li Tiezhu! This month's wages are one tael and three coins! "With the foreman's shout, a dark-skinned young man stepped forward and said happily.
The workers couldn't help but click their tongues. One tael, two taels, three thousand was the highest wage among the workers in the village of Mo Jiazi. In a year, it would be nearly 15 taels of silver, which was probably enough to get a wife in the village.
"This is the salary?" However, when Li Tiezhu received the salary, his expression suddenly changed. "This is the salary?" Li Tiezhu's expression changed.
"Why is it paper?"
"Paper money can also be used as silver coins!"
…
Suddenly, all the workers were in an uproar. The village of Mo Jiazi had always paid their wages on time, and the quality of the silver coins was very good. Who would have thought that Mo Jiazi would change the silver coins into paper money this time?
"This is a banknote! It was invented by the young master himself. Each banknote can be used as silver coins. You can take these banknotes to the shops outside or exchange them for real silver coins in the bank of Mo Jiazi Village. "The foreman explained.
"Really?" The workers were doubtful.
"Of course. How could the young master cheat you? Besides, not only you, but I also get banknotes. In the future, the village of Mo Jiazi Village will give out banknotes instead of silver coins. Even the village head will do the same." The foreman said. To be honest, the foreman also liked banknotes very much when he paid his wages. They were convenient to carry and easy to distribute. In the past, he would have a headache just counting the copper coins. Now, he only needed to count a few banknotes of different denominations.
The workers took the banknotes doubtfully. Some of them couldn't wait to go to the bank of Mo Jiazi Village to exchange the banknotes for silver coins. However, there were limited windows, and more people couldn't wait to line up at all. So they had to take the banknotes and wander around in the commercial area.
"Manager, how much is this?" A worker pointed at an exquisite dress and asked.
"One coin of silver!" The manager said loudly.
"Do you take banknotes?" The worker asked tentatively.
Hearing this, the manager laughed and said, "Of course. One tael of banknotes can be exchanged for one tael of silver coins in the bank of Mo Jiazi Village. It's as useful as white silver coins."
The reason why the manager agreed so readily was that the village head of Mo Jiazi Village, Li Yi, had visited all the merchants yesterday and promised them that the banknotes were real and effective. And they would exchange the banknotes in full. Even if the merchants needed to pay rent or buy goods of Mo Jiazi Village in the future, they would only accept banknotes.
With the promise of Li Yi, they had no other choice. And all the workers in Mo Jiazi Village were paid with banknotes. If they didn't accept banknotes, how could they do business?
After the first transaction was completed with banknotes, more and more people began to use banknotes. Compared with cold and heavy silver coins, banknotes as thin as cicada's wings were easier to get change and carry. More and more people realized the convenience. With the guarantee of the bank of Mo Jiazi Village, banknotes soon became popular in Mo Jiazi Village and integrated into every aspect of the villagers' lives.
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