Three Kingdoms: My brother is Guo Jia

"It's crazy!"

"Xuan Xian, your idea is really crazy!"

After Cao Cao listened to Guo Yun's plan, even Cao Cao, who is in his current position, could not suppress the shock in his heart: "After the increase in troops, the food and pay are already stretched, and you actually want me to pay military salaries?"

"Lord, after the implementation of the Jiangdong plough and corn for a long time, and the people's lives are improved, the number of people joining the army will decrease. "

Guo Yun analyzed slowly and said, "This problem, the lord should understand." "

During the Three Kingdoms era, the population plummeted, and the horror was partly because of the war.

So many people can die in war, why not because they are hungry, so they desperately squeeze into the army, at least to be full.

"Tri-state recruitment is really problematic. "

After pondering for a while, Cao Cao nodded and said, "But there is really no way to increase the military salary." "

Three stones a year for an ordinary soldier is three hundred catties of grain.

10,000 is three million catties of grain.

Cao Cao now has a full 160,000 troops under his command, not counting the consumption of the guards and palaces of the states.

In addition, the official position is different, and the Yulu is different.

With these hundreds of millions of grain consumption, Cao Cao had a headache when he thought about it.

But right now, Guo Yun actually wants Cao Cao to increase the distribution of military salaries?!

In other words, joining the army not only can be fed, but now there is also a salary.

This, of course, can raise a large number of troops to a certain extent, but it also has to be eaten.

"Master, have you forgotten Guan Zhong Yan?"

Guo Yun smiled and said: "Now that Guanzhong refined salt is pushed to Dahan Jiuzhou, the salt dealers who can trade with the lord are all the subordinates of some families, and the real price to the people is probably not affordable for ordinary people." "

Guo Yun is very sure of this.

The salt dealers in the states seemed to be independent merchants, but behind them were either princely bureaucrats or local families.

The people want cheap salt?

That's just a dream.

"What does Xuan Immortal mean?"

Cao Cao naturally understood this layer, and in the three states under his command, the price of Guanzhong salt was still expensive.

The main supply is still some of the Mendi.

"Guanzhong salt is given to soldiers as a military salary. "

After a little hesitation, Guo Yun explained: "First, it can solve part of the pressure of the soldier's family, and secondly, it can condense the loyalty of the soldier, and for the lord, there is no loss, so why not?!"

"What is called no loss, this loss is big!"

Guo Yun: "εε(~ ̄▽ ̄)~"

Guo Yun was startled by Cao Cao's sudden roar, and saw Cao Cao blowing his beard and glaring: "Xuan Xian, do you know how much gold you can earn from a batch of salt in Guanzhong right now?"

"If it is distributed to the soldiers, how much will it be lost?!"

"If nothing else, take Yanzhou, Yuzhou, and Xuzhou, once the salt in Guanzhong is used as a military salary and distributed to the soldiers, the sales in these three states will definitely be greatly reduced, which is tens of thousands of gold losses!"

Cao Cao was really afraid.

Finally there was a way to get rich, Guo Yun actually gave him such a bad idea?!

Change someone else, drag out and cut is possible.

Guo Yun rolled his eyes and said angrily, "Lord, is gold important or the army important?"

Cao Cao didn't even want to think about it, and threw a loud voice: "It's all important!"

Guo Yun: "(⊙▽⊙)?!"

Well, you win.

You really are a big hero who does not do multiple choice questions!

The silence was short.

"Okay, do what you want. "

Seeing that Guo Yun stopped talking, Cao Cao finally chose to compromise: "The method of refining salt in this pass is also made by you, I believe you." "

Guo Yun knew that it was unrealistic to drastically change the economic system for a while, and he could only start with the army's salary:

"Master, this is just the first step. "

Hearing this, Cao Cao swept away the sadness on his face and said with a grin: "I don't let the Lord suffer losses in vain because of this Xuan Immortal." "

Guo Yun unhurriedly explained the plan.

This plan is the silver ticket!

The earliest use of silver tickets appeared 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 the economy was solid.

Silver tickets replaced the current copper coins, and an integrated supermarket was opened on Cao Cao's territory.

Thus, banks were established again to achieve monetary unification.

"Silver ticket?"

"Bank?"

"Supermarket?" Cao Cao listened with a confused look: "Is this different from Qianzhuang?"

"The names are similar, but the meanings are completely different. "

Guo Yun pondered for a moment and said, "The purpose of the money house is to avoid the risk of inconvenience for the people to carry silver money. "

"Essentially money is equivalent. "

"The role of banks is to borrow and issue silver bills. "

"For example, if Xun Yu needs to buy a new mansion, but the money is not enough. At this time, he can apply for a mortgage loan from the lord's bank, and the lord's bank will first pay the money for the purchase of the mansion, and then let Xun Yu repay the loan according to the number of monthly installments. "

"The same goes for other people. "

"The lord only needs to charge a certain amount of interest on this basically. "

"If you don't return it on time, the lord can also take back the mansion directly. "

Speaking of this, Cao Cao was even more confused, and found the guard: "Go and call Xun Yu and Xun Yu over." "

After Xun Yu and Xun Yu came, Guo Yun repeated it again.

Xun Yu's eyes suddenly lit up: "I understand, Xuanxian means to divide our army's savings into the hands of merchants and people in the three states, so as to earn interest, which can not only solve the problem of excessive hoarding, but also greatly promote economic development." "

When Guo Yun heard this, he immediately gave Xun Yu a thumbs up.

Worthy of being a big sinong, this business acumen is no one.

"The bank is well understood. "

Xun Yu also understood the approximate situation, and asked suspiciously: "But what is the matter with this silver ticket and the supermarket?!"

"In this whole plan, the silver ticket is the most important!"

Guo Yun further analyzed: "Both gold and silver need to be mined and refined, there are many processes, and the quantity is extremely limited, and copper coin manufacturing is the same. "

"But the silver ticket is different, you only need to use paper and large printing to prevent counterfeiting." "

"Think about it, the manufacture of silver tickets is in the hands of the master, if you need a lot of military spending, can you directly mass produce silver tickets?!"

"In peacetime, a certain amount of silver bills can be recovered through the role of banks, thereby reducing the problem of inflation! "

"And the key to implementing the silver ticket is this integrated supermarket!"

After Guo Yun finished speaking, the three of them looked at each other.

What attracted Cao Cao the most was the mass production of silver tickets, if this was implemented, where would he still worry about military spending?

Taking the previous analysis of the shortage of military food, if he could mass-produce silver tickets, he could buy food from various families.

"Official implementation is on the one hand, military salaries and silver tickets are on the other hand, and the most important thing is that this silver ticket must have purchasing power!"

Guo Yun said solemnly: "And the embodiment of this purchasing power has to be in the supermarket established by the lord." "

"An independent supermarket chain. "

"Monopolize Guanzhong salt and sell it in supermarket chains, buy a large number of materials, and drive down prices to open up the market, and the only accepted currency is silver tickets." "

"As long as it is profitable, both merchants and people will try to exchange silver tickets." "

"After all, this is something that can be exchanged for supplies. "

"And the bank will open the exchange function, there is no need to charge any fees in the early stage, once the market is mature, the main master can charge a low exchange fee!"

"Think about it, if there are tens of thousands of exchanges every day, how terrifying will the benefits generated here be?!"

"In addition, there is also the business of lending, and even deposits, so that some wealthy people can deposit money in the bank, pay some low interest, and then lend the money to merchants to earn the difference." "

Speaking of this, the three of them suddenly fell into deep thought.

Then, the expression on his face slowly began to change, and finally his eyes widened.

With Xun Yu's wisdom, it is impossible to see the prospects of supermarkets, including the daily needs of the people, once the supermarket is spread, it is equivalent to destroying the entire economic system and completely controlling the lifeline of business.

And if the bank promotes a unified currency, and the silver ticket becomes the only currency, it is undoubtedly strangling the economic lifeline, if the two can succeed, how terrifying?!

Even the economy of other princes will be mastered!

Thinking of this, Xun Yu's eyes were full of admiration when he looked at Guo Yun.

"If Xuan Immortal's method is completed, the economy of the world will all belong to the hands of the lord!"

Hearing this, Cao Cao smirked, and even Xun Yu nodded in approval, indicating that it was extremely feasible.

"There is a problem, though. "

Xun Yu pondered for a moment and said, "Even if the chain supermarket is launched, how can the other princes let the lord's supermarket open in their land?"

Xun Yu also echoed: "This is a problem. "

"Xuan Immortal must have planned it for a long time, right?!"

Cao Cao looked at Guo Yun with a flattering face, he had already calculated in his heart, if the silver ticket was implemented, he would become the richest person in the whole world, what was the income from Guan Zhongyan?!

Guo Yun looked at Cao Cao with a puzzled expression: "How simple is this, isn't it okay for the lord to knock down the territory?"

Cao Cao: "Convex (艹皿艹)"

Xun Yu: "~" (@_@)

Xun Yu: "-_-!"