"This is crazy!"
"Mystic Immortal, your idea is too crazy!”
After Cao Cao heard Guo Yun's plan, he could not suppress the shock in his heart even with his current status."After we increased the troops, we are already short of food and pay, and you still want me to give them?”
"My lord, as the Jiangdong plow and corn are implemented for a long time, the lives of the people will improve, and the number of people joining the army will definitely decrease.”
"My lord should understand this problem," Guo Yun analyzed slowly.”
During the Three Kingdoms Era, the population was reduced because of the war.
The reason why so many people died in the war was because they did not have enough food to eat. Therefore, they tried their best to squeeze into the army to at least fill their stomachs.
"The recruitment of soldiers in the three regions is indeed a big problem.”
After pondering for a while, Cao Cao nodded and said,"But there is no way to increase the military pay.”
For ordinary soldiers, three stones a year was equivalent to three hundred catties of rations.
10,000 of them meant three million catties of food.
Cao Cao now had 160,000 soldiers under his command, and this was not including the expenditure of the guards and the palace.
In addition, the official positions were different, and the salaries were different.
Cao Cao felt a headache just thinking about the hundreds of millions of grain consumed.
But now, Guo Yun actually wanted Cao Cao to increase the military pay?!
In other words, not only could they eat their fill after joining the army, but they could also get a salary now.
This, of course, could raise a large number of troops to a certain extent, but they had to be able to endure it.
"My lord, have you forgotten about the salt in Guanzhong?”
Guo Yun smiled and said,"Now, the refined salt in Guanzhong has been pushed to the nine states of the Great Han Dynasty. However, the salt sellers who trade with you are all the subordinates of some aristocratic families. I'm afraid that the price of the real salt to the people is not something that ordinary people can afford.”
Guo Yun was very confident about this.
The salt merchants in the various states seemed to be independent merchants, but the ones behind them were either the officials of the feudal lords or the local aristocratic families.
The commoners wanted to buy cheap salt?
That was simply a fool's dream.
"What does abstruse immortal mean?"
Cao Cao naturally understood this. Even in the three provinces under his control, the price of salt in Guanzhong was still very high.
The main supply was still for some aristocratic families.
"Guanzhong salt is used as military pay and distributed to the soldiers.”
Guo Yun pondered for a moment before explaining,"Firstly, it can solve some of the pressure on the soldiers 'families. Secondly, it can gather the loyalty of the soldiers. To the lord, there is no loss.!”
"What do you mean by no loss? This loss is huge!”
Guo
Yun was startled by Cao Cao's sudden roar. Cao Cao glared at him and said,""Mystic immortal, do you know how much gold we can earn from a batch of salt in Guanzhong?”
"If we distribute it to the soldiers, how much loss will we suffer?!”
"Take Yanzhou, Yuzhou, and Xuzhou for example. Once Guanzhong salt is distributed to the soldiers as salary, the sales in these three provinces will definitely be greatly reduced. That is a loss of tens of thousands of gold!”
Cao Cao was truly afraid of poverty.
It was not easy to find a way to make a fortune, but Guo Yun actually gave him such a bad idea?!
If it were anyone else, they might even be dragged out and cut off.
Guo Yun rolled her eyes and snapped,""My lord, is gold more important or is the army more important?”
Cao Cao didn't even think about it and said firmly,"Both are important!"
Guo Yun,"(⊙▽⊙)?"!”
Alright, you win.
You are indeed a great hero who doesn't make multiple choices!
The silence was brief.
"Alright, we'll do as you say.”
Seeing that Guo Yun was silent, Cao Cao finally chose to compromise.""You were the one who came up with the method to refine Guanzhong salt. I believe you.”
Guo Yun knew that it was unrealistic to make drastic changes to the economic system in a short period of time. He could only start with the military's food and pay
.”
Hearing this, Cao Cao's expression changed and he smiled,"I won't let my lord suffer losses for nothing.”
Guo Yun explained the plan slowly.
This plan was the banknotes!
The earliest use of banknotes was in the Northern Song Dynasty, which was also an important reason for the economic development at that time.
The Northern Song Dynasty was weak, but its economy was truly impressive.
He would replace the copper coins with silver notes and open an integrated supermarket in Cao Cao's territory.
From there, he would establish a bank and unify the currency.
"Banknotes?"
"Bank?"
"Supermarket?" "What's the difference?" Cao Cao was confused."Is this any different from a bank?"”
"The names are similar, but the meaning is completely different.”
Guo Yun pondered for a moment and said,"The money house is to avoid the risk of inconvenience for the people to carry money."”
"Essentially, money is equal.”
"The bank's role is to issue silver notes with the bank's loan.”
"For example, if Xun Yu needed to buy a new mansion but did not have enough money. At this time, he could apply for a house mortgage loan from the lord's bank. The lord's bank would first pay the money for the purchase of the mansion, and then let Xun Yu repay the loan in monthly installments.”
"The same goes for others.”
"My lord only needs to collect a certain amount of interest on this.”
"If you don't taste it on time, my lord can also directly take back the mansion.”
At this point, Cao Cao was even more confused. He looked for the guards and said,"I went to call Xun Yu and Xun You over.”
When Xun Yu and Xun You arrived, Guo Yun repeated the story again.
Xun Yu's eyes lit up."I understand now. Mystic Immortal means to divide the savings of our army into the hands of the merchants and the people of the three states to earn interest. This can solve the problem of excessive hoarding and greatly promote economic development.”
Guo Yun immediately gave Xun Yu a thumbs up.
As expected of the finance minister, no one else had such business acumen.
"It's easy to understand the bank."
Xun You also roughly understood and asked in confusion,""But what's with the banknotes and the supermarket?!”
"In this entire plan, the silver notes are the most important!”
"Both gold and silver need to be mined and refined," Guo Yun explained further."There are many processes involved, and the quantity is extremely limited. It's the same for copper coins.”
"But banknotes are different. You only need to use paper and a large seal to prevent the forgery.”
"Think about it. The manufacturing of banknotes is in the lord's hands. If a large amount of military expenditure is needed, can we directly mass produce banknotes?!”
"In times of peace, you can use the bank to recover a certain amount of silver notes to reduce the problem of inflation! The interest on bank loans could offset the loss of the currency to a certain extent.”
"And the key to promoting banknotes is this integrated supermarket!”
Guo Yun finished speaking in one breath, and the three of them looked at each other.
What attracted Cao Cao the most was the mass production of silver notes. If this was implemented, why would he worry about military expenses?
If he could mass produce silver notes, he could buy food from the aristocratic families.
"The official implementation is one thing, the payment of silver banknotes is another, and the most important thing is that these silver banknotes must have purchasing power!”
"And the embodiment of this purchasing power is in the supermarket that the lord has built," Guo Yun said solemnly.”
"One independent supermarket chain.”
"They monopolized the sale of Guanzhong salt in the chain supermarkets and purchased a large number of materials. They lowered the price to open up the market, and the only currency they accepted was silver notes.”
"As long as there's a profit to be made, be it merchants or commoners, they will try to exchange for silver notes.”
"After all, this is something that can be exchanged for supplies.”
"And the bank will activate the exchange function. There is no need to charge any fees in the early stages. Once the market matures, my lord can charge a low exchange fee!”
"Think about it, if you exchange tens of thousands of gold coins every day, how terrifying would the profits be?!”
"Other than that, there are also loan businesses. We can even start deposits and let some wealthy people deposit their money in the bank to pay some low interest. Then, they will lend the money to merchants and earn the difference in price.”
The three of them fell into deep thought.
Then, the expression on his face slowly began to change. Finally, his eyes widened.
With Xun Yu's wisdom, it was impossible for him to not see the future of the supermarket. If the daily necessities of the people were included, once the supermarket was opened, it would be equivalent to destroying the entire economic system of the market and completely controlling the lifeline of the business.
If the banks were to implement a unified currency and the silver notes became the only currency, it would undoubtedly strangle the economic lifeline. If both of them succeeded, how terrifying would it be?!
Even the economy of the other dukes would be controlled!
Thinking of this, Xun Yu looked at Guo Yun with admiration.
"If the Mystic Immortal's method is successful, the world's economy will be in the Lord's hands!”
Hearing this, Cao Cao laughed foolishly. Even Xun Yu nodded in agreement, which meant that it was very feasible.
"However, there is a problem."
Xun You pondered for a moment and said,"Even if the supermarket chain is implemented, why would the other dukes allow their lord's supermarket to open in their territory?"”
"That's a problem."”
"The abstruse immortal must have a plan, right?!”
Cao Cao looked at Guo Yun with a flattering expression. He had already planned it out in his heart. If the silver notes were to be implemented, he would become the richest person in the world. Then, what was the income from Guanzhong salt?!
Guo Yun looked at Cao Cao in confusion,"This is so simple. Isn't it fine as long as the lord takes over the territory?”
Cao Cao: "Convexation",
Xun Yu: "(@@)~",
Xun You: "-???-!"
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